Ameris Bancorp (ABCB) 10-Q 8 Nov 21 2021 Q3 Quarterly report Financial data

Cover

Cover - shares	9 Months Ended
	Sep. 30, 2021	Oct. 31, 2021
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2021
Document Transition Report	false
Entity File Number	001-13901
Entity Registrant Name	AMERIS BANCORP
Entity Incorporation, State or Country Code	GA
Entity Tax Identification Number	58-1456434
Entity Address, Address Line One	3490 Piedmont Rd N.E., Suite 1550
Entity Address, City or Town	Atlanta
Entity Address, State or Province	GA
Entity Address, Postal Zip Code	30305
City Area Code	(404)
Local Phone Number	639-6500
Title of 12(b) Security	Common Stock, par value $1 per share
Trading Symbol	ABCB
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		69,635,191
Amendment Flag	false
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q3
Entity Central Index Key	0000351569
Current Fiscal Year End Date	--12-31

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 239,028	$ 203,349
Federal funds sold and interest-bearing deposits in banks	3,513,412	1,913,957
Cash and cash equivalents	3,752,440	2,117,306
Time deposits in other banks	0	249
Debt securities available-for-sale, at fair value, net of allowance for credit losses of $— and $112	684,504	982,879
Debt securities held-to-maturity, at amortized cost, net of allowance for credit losses of $— and $— (fair value of $63,304 and $—)	64,451	0
Other investments	27,619	28,202
Loans held for sale (includes loans at fair value of $1,435,805 and $1,001,807)	1,435,805	1,167,659
Loans, net of unearned income	14,824,539	14,480,925
Allowance for credit losses	(171,213)	(199,422)
Loans, net	14,653,326	14,281,503
Other real estate owned, net	4,594	11,880
Premises and equipment, net	226,430	222,890
Goodwill	928,005	928,005
Other intangible assets, net	60,396	71,974
Cash value of bank owned life insurance	279,389	176,467
Deferred income taxes, net	4,329	33,314
Other assets	411,853	416,310
Total assets	22,533,141	20,438,638
Deposits:
Noninterest-bearing	7,616,728	6,151,070
Interest-bearing	11,216,761	10,806,753
Total deposits	18,833,489	16,957,823
Securities sold under agreements to repurchase	4,502	11,641
Other borrowings	425,375	425,155
Subordinated deferrable interest debentures	125,830	124,345
Other liabilities	243,175	272,586
Total liabilities	19,632,371	17,791,550
Commitments and Contingencies
Shareholders’ Equity
Preferred stock, stated value $1,000; 5,000,000 shares authorized; 0 shares issued and outstanding	0	0
Common stock, par value $1; 200,000,000 shares authorized; 72,015,926 and 71,753,705 shares issued	72,016	71,754
Capital surplus	1,922,964	1,913,285
Retained earnings	934,979	671,510
Accumulated other comprehensive income, net of tax	21,885	33,505
Treasury stock, at cost, 2,380,491 and 2,212,224 shares	(51,074)	(42,966)
Total shareholders’ equity	2,900,770	2,647,088
Total liabilities and shareholders’ equity	$ 22,533,141	$ 20,438,638

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Available-for-sale, allowance for credit loss	$ 0	$ 112
Debt securities, held-to-maturity, allowance for credit loss	0	0
Investment securities held-to-maturity	63,304	0
Loans held for sale, fair value	$ 1,435,805	$ 1,001,807
Preferred stock, stated value (in dollars per share)	$ 1,000	$ 1,000
Preferred stock, shares authorized (in shares)	5,000,000	5,000,000
Preferred stock, shares Issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	200,000,000	200,000,000
Common stock, shares issued (in shares)	72,015,926	71,753,705
Treasury stock, shares (in shares)	2,380,491	2,212,224

Consolidated Statements of Inco

Consolidated Statements of Income and Comprehensive Income (unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Interest income
Interest and fees on loans	$ 166,358	$ 172,351	$ 505,276	$ 518,938
Interest on taxable securities	5,296	7,259	16,658	26,688
Interest on nontaxable securities	139	159	419	473
Interest on deposits in other banks and federal funds sold	1,253	165	2,394	1,621
Total interest income	173,046	179,934	524,747	547,720
Interest expense
Interest on deposits	5,106	11,822	17,679	50,197
Interest on other borrowings	6,279	5,574	18,578	23,226
Total interest expense	11,385	17,396	36,257	73,423
Net interest income	161,661	162,538	488,490	474,297
Provision for loan losses	(3,984)	26,692	(21,462)	132,188
Provision for unfunded commitments	(5,516)	(10,131)	(16,056)	13,581
Provision for other credit losses	(175)	1,121	(606)	1,121
Provision for credit losses	(9,675)	17,682	(38,124)	146,890
Net interest income after provision for credit losses	171,336	144,856	526,614	327,407
Noninterest income
Service charges on deposit accounts	11,486	10,914	33,322	32,680
Mortgage banking activity	56,460	138,627	225,177	278,885
Other service charges, commissions and fees	1,154	1,039	3,226	2,949
Net gain on securities	530	0	519	5
Other noninterest income	6,932	8,438	21,531	19,838
Total noninterest income	76,562	159,018	283,775	334,357
Noninterest expense
Salaries and employee benefits	79,671	96,698	261,161	267,812
Occupancy and equipment	11,979	13,805	34,572	39,640
Data processing and communications expenses	10,681	12,226	34,442	34,694
Credit resolution-related expenses	377	802	1,546	3,950
Advertising and marketing	2,676	966	6,053	4,779
Amortization of intangible assets	3,387	4,190	11,578	15,422
Merger and conversion charges	183	(44)	183	1,391
Other noninterest expenses	28,242	25,049	72,220	79,825
Total noninterest expense	137,196	153,692	421,755	447,513
Income (loss) before income tax expense	110,702	150,182	388,634	214,251
Income tax expense	29,022	34,037	93,665	46,548
Net income	81,680	116,145	294,969	167,703
Other comprehensive income (loss)
Net unrealized holding gains (losses) arising during period on investment securities available-for-sale, net of tax expense (benefit) of $(834), $(663), $(3,089) and $5,080	(3,139)	(2,494)	(11,620)	19,110
Net unrealized gains on cash flow hedge during the period, net of tax benefit of $0, $35, $0 and $39	0	133	0	147
Total other comprehensive income (loss)	(3,139)	(2,361)	(11,620)	19,257
Comprehensive income	$ 78,541	$ 113,784	$ 283,349	$ 186,960
Basic earnings per common share (in dollars per share)	$ 1.18	$ 1.68	$ 4.25	$ 2.42
Diluted earnings per common share (in dollars per share)	$ 1.17	$ 1.67	$ 4.23	$ 2.42
Weighted average common shares outstanding
Basic (in shares)	69,440	69,231	69,445	69,243
Diluted (in shares)	69,756	69,346	69,772	69,403

Consolidated Statements of In_2

Consolidated Statements of Income and Comprehensive Income (unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Income Statement [Abstract]
Tax expense (benefit) from unrealized holding gain (loss) on securities arising during period	$ (834)	$ (663)	$ (3,089)	$ 5,080
Tax benefit from unrealized gain (loss) on cash flow hedges arising during period	$ 0	$ 35	$ 0	$ 39

Consolidated Statements of Shar

Consolidated Statements of Shareholders’ Equity (unaudited) - USD ($) $ in Thousands	Total	Cumulative effect of change in accounting for credit losses	Common Stock	Capital Surplus	Retained Earnings	Retained EarningsCumulative effect of change in accounting for credit losses	Accumulated Other Comprehensive Income, Net of Tax	Treasury Stock
Balance at beginning of period (in shares) at Dec. 31, 2019			71,499,829					1,995,996
Balance at beginning of period at Dec. 31, 2019	$ 2,469,582	$ (56,704)	$ 71,500	$ 1,907,108	$ 507,950	$ (56,704)	$ 17,995	$ (34,971)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of restricted shares (in shares)			164,476
Issuance of restricted shares	289		$ 164	125
Forfeitures of restricted shares (in shares)			(11,250)
Forfeitures of restricted shares	(170)		$ (11)	(159)
Proceeds from exercise of stock options (in shares)			49,532
Proceeds from exercise of stock options	981		$ 50	931
Share-based compensation	3,026			3,026
Purchase of treasury shares (in shares)								216,045
Purchase of treasury shares	(7,989)							$ (7,989)
Net income	167,703				167,703
Dividends on common stock shares	(31,292)				(31,292)
Other comprehensive income (loss) during the period	19,257						19,257
Balance at end of period (in shares) at Sep. 30, 2020			71,702,587					2,212,041
Balance at end of period at Sep. 30, 2020	2,564,683		$ 71,703	1,911,031	587,657		37,252	$ (42,960)
Balance at beginning of period (in shares) at Jun. 30, 2020			71,674,087					2,211,305
Balance at beginning of period at Jun. 30, 2020	2,460,130		$ 71,674	1,909,839	481,948		39,613	$ (42,944)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of restricted shares (in shares)			12,500
Issuance of restricted shares	0		$ 13	(13)
Proceeds from exercise of stock options (in shares)			16,000
Proceeds from exercise of stock options	280		$ 16	264
Share-based compensation	941			941
Purchase of treasury shares (in shares)								736
Purchase of treasury shares	(16)							$ (16)
Net income	116,145				116,145
Dividends on common stock shares	(10,436)				(10,436)
Other comprehensive income (loss) during the period	(2,361)						(2,361)
Balance at end of period (in shares) at Sep. 30, 2020			71,702,587					2,212,041
Balance at end of period at Sep. 30, 2020	2,564,683		$ 71,703	1,911,031	587,657		37,252	$ (42,960)
Balance at beginning of period (in shares) at Dec. 31, 2020			71,753,705					(2,212,224)
Balance at beginning of period at Dec. 31, 2020	2,647,088		$ 71,754	1,913,285	671,510		33,505	$ (42,966)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of restricted shares (in shares)			99,308
Issuance of restricted shares	599		$ 99	500
Forfeitures of restricted shares (in shares)			(2,695)
Forfeitures of restricted shares	(53)		$ (3)	(50)
Proceeds from exercise of stock options (in shares)			165,608
Proceeds from exercise of stock options	4,499		$ 166	4,333
Share-based compensation	4,896			4,896
Purchase of treasury shares (in shares)								168,267
Purchase of treasury shares	(8,108)							$ (8,108)
Net income	294,969				294,969
Dividends on common stock shares	(31,500)				(31,500)
Other comprehensive income (loss) during the period	(11,620)						(11,620)
Balance at end of period (in shares) at Sep. 30, 2021			72,015,926					(2,380,491)
Balance at end of period at Sep. 30, 2021	2,900,770		$ 72,016	1,922,964	934,979		21,885	$ (51,074)
Balance at beginning of period (in shares) at Jun. 30, 2021			72,007,871					(2,240,662)
Balance at beginning of period at Jun. 30, 2021	2,837,004		$ 72,008	1,920,566	863,828		25,024	$ (44,422)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Forfeitures of restricted shares (in shares)			(1,945)
Forfeitures of restricted shares	(33)		$ (2)	(31)
Proceeds from exercise of stock options (in shares)			10,000
Proceeds from exercise of stock options	288		$ 10	278
Share-based compensation	2,151			2,151
Purchase of treasury shares (in shares)								139,829
Purchase of treasury shares	(6,652)							$ (6,652)
Net income	81,680				81,680
Dividends on common stock shares	(10,529)				(10,529)
Other comprehensive income (loss) during the period	(3,139)						(3,139)
Balance at end of period (in shares) at Sep. 30, 2021			72,015,926					(2,380,491)
Balance at end of period at Sep. 30, 2021	$ 2,900,770		$ 72,016	$ 1,922,964	$ 934,979		$ 21,885	$ (51,074)

Consolidated Statements of Sh_2

Consolidated Statements of Shareholders’ Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Statement of Stockholders' Equity [Abstract]
Dividends on common share (in dollars per share)	$ 0.15	$ 0.15	$ 0.45	$ 0.45

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
Operating Activities
Net income	$ 294,969	$ 167,703
Adjustments reconciling net income to net cash provided by (used in) operating activities:
Depreciation	12,864	11,843
Net (gains) losses on sale or disposal of premises and equipment	3,200	(125)
Net write-downs on other assets	260	1,366
Provision for credit losses	(38,124)	146,890
Net write-downs and (gains) losses on sale of other real estate owned	(581)	715
Share-based compensation expense	5,884	2,708
Amortization of intangible assets	11,578	15,422
Amortization of operating lease right of use assets	12,389	12,408
Provision for deferred taxes	32,074	(28,652)
Net amortization of investment securities available-for-sale	2,534	4,702
Net amortization of investment securities held-to-maturity	14	0
Net gain on securities	(519)	(5)
Accretion of discount on purchased loans, net	(13,537)	(22,663)
Net amortization on other borrowings	330	152
Amortization of subordinated deferrable interest debentures	1,485	1,455
Loan servicing asset impairment (recovery)	(9,990)	30,566
Originations of mortgage loans held for sale	(6,231,286)	(6,492,434)
Payments received on mortgage loans held for sale	38,178	38,919
Proceeds from sales of mortgage loans held for sale	5,752,055	6,888,287
Net gains on mortgage loans held for sale	(126,533)	(270,503)
Originations of SBA loans	(51,155)	(104,160)
Proceeds from sales of SBA loans	54,861	99,369
Net gains on sale of SBA loans	(5,059)	(6,250)
Increase in cash surrender value of bank owned life insurance	(3,628)	(2,768)
Gain on bank owned life insurance proceeds	(603)	(948)
Net gains on other loans held for sale	(457)	0
Changes in FDIC loss-share payable, net of cash payments	0	223
Change attributable to other operating activities	1,244	(114,858)
Net cash provided by (used in) operating activities	(257,553)	379,362
Investing Activities, net of effects of business combinations
Proceeds from maturities of time deposits in other banks	249	0
Purchases of investment securities held-to-maturity	(64,517)	0
Proceeds from maturities and paydowns of securities available-for-sale	281,244	306,886
Proceeds from maturities and paydowns of securities held-to-maturity	52	0
Net decrease in other investments	1,102	18,095
Net increase in loans	(215,289)	(2,029,595)
Purchases of premises and equipment	(21,990)	(14,164)
Proceeds from sale of premises and equipment	993	421
Proceeds from sales of other real estate owned	10,141	7,777
Payments paid to FDIC under loss-share agreements	0	(389)
Purchases of bank owned life insurance	(100,000)	0
Proceeds from bank owned life insurance	1,309	3,381
Payments received on other loans held for sale	9,136	0
Proceeds from sales of other loans held for sale	156,803	0
Net cash and cash equivalents received from acquisitions	0	(2,417)
Net cash provided by (used in) investing activities	59,233	(1,710,005)
Financing Activities, net of effects of business combinations
Net increase in deposits	1,875,666	2,038,847
Net decrease in securities sold under agreements to repurchase	(7,139)	(11,532)
Proceeds from other borrowings	0	7,053,149
Repayment of other borrowings	(110)	(7,576,455)
Repayment of subordinated deferrable interest debentures	0	(5,155)
Proceeds from exercise of stock options	4,499	981
Dividends paid - common stock	(31,354)	(31,262)
Purchase of treasury shares	(8,108)	(7,988)
Net cash provided by financing activities	1,833,454	1,460,585
Net increase in cash and cash equivalents	1,635,134	129,942
Cash and cash equivalents at beginning of period	2,117,306	621,849
Cash and cash equivalents at end of period	3,752,440	751,791
Cash paid during the period for:
Interest	35,389	78,705
Income taxes	55,651	56,371
Loans transferred to other real estate owned	2,274	6,871
Loans transferred from loans held for sale to loans held for investment	134,941	135,689
Loans transferred from loans held for investment to loans held for sale	0	46,845
Loans provided for the sales of other real estate owned	1,052	592
Right-of-use assets obtained in exchange for new operating lease liabilities	10,270	11,040
Change in unrealized gain (loss) on securities available-for-sale, net of tax	(11,620)	19,109
Change in unrealized gain on cash flow hedge, net of tax	$ 0	$ 147

BASIS OF PRESENTATION AND ACCOU

BASIS OF PRESENTATION AND ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION AND ACCOUNTING POLICIES	NOTE 1 – BASIS OF PRESENTATION AND ACCOUNTING POLICIES Nature of Business Ameris Bancorp (the “Company” or “Ameris”) is a financial holding company headquartered in Atlanta, Georgia. Ameris conducts substantially all of its operations through its wholly owned banking subsidiary, Ameris Bank (the “Bank”). At September 30, 2021, the Bank operated 165 branches in select markets in Georgia, Alabama, Florida, North Carolina and South Carolina. Our business model capitalizes on the efficiencies of a large financial services company, while still providing the community with the personalized banking service expected by our customers. We manage our Bank through a balance of decentralized management responsibilities and efficient centralized operating systems, products and loan underwriting standards. The Company’s Board of Directors and senior managers establish corporate policy, strategy and administrative policies. Within our established guidelines and policies, the banker closest to the customer responds to the differing needs and demands of his or her unique market. Basis of Presentation The accompanying unaudited consolidated financial statements for Ameris have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and Regulation S-X. Accordingly, the financial statements do not include all of the information and footnotes required by accounting principles generally accepted in the United States of America (“GAAP”) for complete financial statement presentation. The interim consolidated financial statements included herein are unaudited but reflect all adjustments, consisting of normal recurring adjustments, which, in the opinion of management, are necessary for a fair presentation of the consolidated financial position and results of operations for the interim periods presented. All significant intercompany accounts and transactions have been eliminated in consolidation. The results of operations for the period ended September 30, 2021 are not necessarily indicative of the results to be expected for the full year. These financial statements should be read in conjunction with the financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020. In preparing the consolidated financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include cash on hand, cash items in process of collection, amounts due from banks, interest-bearing deposits in banks and federal funds sold. The Bank is required to maintain reserve balances in cash or on deposit with the Federal Reserve Bank of Atlanta. The required reserve rate was set to 0% effective March 26, 2020 and, accordingly, the Bank had no reserve requirement at September 30, 2021 and December 31, 2020. Reclassifications Certain reclassifications of prior year amounts have been made to conform with the current year presentations. The reclassifications had no effect on net income or shareholders' equity as previously reported. Accounting Standards Adopted in 2021 ASU 2019-12 – Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes ("ASU 2019-12") . ASU 2019-12 simplifies the accounting for income taxes by removing certain technical exceptions. ASU 2019-12 also clarifies and amends the accounting for income taxes in certain areas including, among others: (i) franchise taxes that are partially based on income; (ii) whether step ups in the tax basis of goodwill should be considered part of the acquisition to which it related or recognized as a separate transaction; and (iii) requiring the effect of an enacted change in tax laws or rates to be reflected in the annual effective tax rate computation in the interim period that includes the enactment date. During the first quarter of 2021, the Company adopted this ASU and applied the amendments in this update on a modified retrospective basis for the provision related to franchise taxes and prospectively for all other amendments. The adoption did not have a material impact on the Company's consolidated financial statements. Accounting Standards Pending Adoption ASU No. 2021-01 – Reference Rate Reform (Topic 848): Scope ("ASU 2021-01"). ASU 2021-01 clarifies that certain optional expedients and exceptions in ASC 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. ASU 2021-01 also amends the expedients and exceptions in ASC 848 to capture the incremental consequences of the scope clarification and to tailor the existing guidance to derivative instruments affected by the discounting transition. Because the guidance is intended to assist stakeholders during the global market-wide reference rate transition period, it is in effect for a limited time, from March 12, 2020 through December 31, 2022. The Company is currently evaluating the impact of adopting ASU 2021-01 on the consolidated financial statements. ASU No. 2020-04 – Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting ("ASU 2020-04"). ASU 2020-04 provides optional guidance, for a limited time, to ease the potential burden in accounting for or recognizing the effects of reference rate reform on financial reporting. The amendments, which are elective, provide expedients and exceptions for applying GAAP to contract modifications and hedging relationships affected by reference rate reform if certain criteria are met. The amendments apply only to contracts and hedging relationships that reference LIBOR or another reference rate that is expected to be discontinued due to reference rate reform. The optional expedients for contract modifications apply consistently for all contracts or transactions within the relevant Codification Topic, Subtopic, or Industry Subtopic that contains the guidance that otherwise would be required to be applied, while those for hedging relationships can be elected on an individual hedging relationship basis. Because the guidance is intended to assist stakeholders during the global market-wide reference rate transition period, it is in effect for a limited time, from March 12, 2020 through December 31, 2022. The Company has established a working committee with representatives from relevant functional areas to inventory the contracts and accounts that are tied to LIBOR and develop a transition plan for the affected items. The Company is currently evaluating the impact of adopting ASU 2020-04 on the consolidated financial statements.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	9 Months Ended
	Sep. 30, 2021
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES	NOTE 2 – INVESTMENT SECURITIES The amortized cost and estimated fair value of securities available-for-sale along with allowance for credit losses, gross unrealized gains and losses are summarized as follows: (dollars in thousands) Securities available-for-sale Amortized Allowance for Credit Losses Gross Gross Estimated September 30, 2021 U.S. government sponsored agencies $ 12,102 $ — $ 150 $ — $ 12,252 State, county and municipal securities 51,541 — 2,675 — 54,216 Corporate debt securities 33,397 — 722 (121) 33,998 SBA pool securities 46,354 — 1,629 (66) 47,917 Mortgage-backed securities 513,408 — 22,718 (5) 536,121 Total debt securities available-for-sale $ 656,802 $ — $ 27,894 $ (192) $ 684,504 December 31, 2020 U.S. government sponsored agencies $ 17,161 $ — $ 343 $ — $ 17,504 State, county and municipal securities 63,286 — 3,492 — 66,778 Corporate debt securities 51,639 (112) 602 (233) 51,896 SBA pool securities 59,973 — 2,620 (96) 62,497 Mortgage-backed securities 748,521 — 35,797 (114) 784,204 Total debt securities available-for-sale $ 940,580 $ (112) $ 42,854 $ (443) $ 982,879 The amortized cost and estimated fair value of securities held-to-maturity along with gross unrealized gains and losses are summarized as follows: (dollars in thousands) Securities held-to-maturity Amortized Gross Gross Estimated September 30, 2021 State, county and municipal securities $ 3,905 $ — $ (121) $ 3,784 Mortgage-backed securities 60,546 — (1,026) 59,520 Total debt securities held-to-maturity $ 64,451 $ — $ (1,147) $ 63,304 The amortized cost and estimated fair value of debt securities available-for-sale and held-to-maturity as of September 30, 2021, by contractual maturity are shown below. Maturities may differ from contractual maturities in mortgage-backed securities because the mortgages underlying these securities may be called or repaid without penalty. Therefore, these securities are not included in the maturity categories in the following maturity summary: Available-for-Sale Held-to-Maturity ( dollars in thousands) Amortized Estimated Fair Value Amortized Estimated Fair Value Due in one year or less $ 17,228 $ 17,357 $ — $ — Due from one year to five years 34,212 35,780 — — Due from five to ten years 52,456 54,242 — — Due after ten years 39,498 41,004 3,905 3,784 Mortgage-backed securities 513,408 536,121 60,546 59,520 $ 656,802 $ 684,504 $ 64,451 $ 63,304 Securities with a carrying value of approximately $354.2 million and $438.7 million at September 30, 2021 and December 31, 2020, respectively, serve as collateral to secure public deposits, securities sold under agreements to repurchase and for other purposes required or permitted by law. The following table shows the gross unrealized losses and estimated fair value of available-for-sale securities aggregated by category and length of time that securities have been in a continuous unrealized loss position at September 30, 2021 and December 31, 2020: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities available-for-sale Estimated Unrealized Estimated Unrealized Estimated Unrealized September 30, 2021 Corporate debt securities $ — $ — $ 1,380 $ (121) $ 1,380 $ (121) SBA pool securities — — 2,754 (66) 2,754 (66) Mortgage-backed securities 3,034 (5) 137 — 3,171 (5) Total debt securities available-for-sale $ 3,034 $ (5) $ 4,271 $ (187) $ 7,305 $ (192) December 31, 2020 Corporate debt securities $ 10,159 $ (233) $ — $ — $ 10,159 $ (233) SBA pool securities — — 3,948 (96) 3,948 (96) Mortgage-backed securities 24,120 (114) 2 — 24,122 (114) Total debt securities available-for-sale $ 34,279 $ (347) $ 3,950 $ (96) $ 38,229 $ (443) As of September 30, 2021, the Company’s available-for-sale security portfolio consisted of 450 securities, 13 of which were in an unrealized loss position. At September 30, 2021, the Company held six mortgage-backed securities that were in an unrealized loss position, all of which were issued by U.S. government-sponsored entities and agencies. At September 30, 2021, the Company held five U.S. Small Business Administration (“SBA”) pool securities and two corporate securities that were in an unrealized loss position. The following table shows the gross unrealized losses and estimated fair value of held-to-maturity securities aggregated by category and length of time that securities have been in a continuous unrealized loss position at September 30, 2021: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities held-to-maturity Estimated Unrealized Estimated Unrealized Estimated Unrealized September 30, 2021 State, county and municipal securities $ 3,784 $ (121) $ — $ — $ 3,784 $ (121) Mortgage-backed securities 59,520 (1,026) — — 59,520 (1,026) Total debt securities held-to-maturity $ 63,304 $ (1,147) $ — $ — $ 63,304 $ (1,147) As of September 30, 2021, the Company’s held-to-maturity security portfolio consisted of 11 securities, 11 of which were in an unrealized loss position. At September 30, 2021, the Company held nine mortgage-backed securities and two state, county and municipal securities that were in an unrealized loss position. During 2021 and 2020, the Company received timely and current interest and principal payments on all of the securities classified as corporate debt securities. The Company’s investments in subordinated debt include investments in regional and super-regional banks on which the Company prepares regular analysis through review of financial information and credit ratings. Investments in preferred securities are also concentrated in the preferred obligations of regional and super-regional banks through non-pooled investment structures. The Company did not have investments in “pooled” trust preferred securities at September 30, 2021 or December 31, 2020. At September 30, 2021 and December 31, 2020, all of the Company’s mortgage-backed securities were obligations of government-sponsored agencies. Management and the Company’s Asset and Liability Committee (the “ALCO Committee”) evaluate available-for-sale securities in an unrealized loss position on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation, to determine if credit-related impairment exists. Management first evaluates whether they intend to sell or more likely than not will be required to sell an impaired security before recovering its amortized cost basis. If either criteria is met, the entire amount of unrealized loss is recognized in earnings with a corresponding adjustment to the security's amortized cost basis. If either of the above criteria is not met, management evaluates whether the decline in fair value is attributable to credit or resulted from other factors. The Company does not intend to sell these available-for-sale investment securities at an unrealized loss position at September 30, 2021, and it is more likely than not that the Company will not be required to sell these securities prior to recovery or maturity. Based on the results of management's review, at September 30, 2021, management determined that none were attributable to credit impairment and reversed the previously established allowance for credit losses accordingly. The $192,000 in unrealized loss was determined to be from factors other than credit. (dollars in thousands) Three Months Ended September 30, Nine Months Ended September 30, Allowance for credit losses 2021 2020 2021 2020 Beginning balance $ 81 $ — $ 112 $ — Provision for expected credit losses (81) 68 (112) 68 Ending balance $ — $ 68 $ — $ 68 The Company's held-to-maturity securities have zero expected credit losses and no related allowance for credit losses has been established. Total net gain on securities reported on the consolidated statements of income and comprehensive income is comprised of the following for the three and nine months ended September 30, 2021 and 2020: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2021 2020 2021 2020 Unrealized holding gains (losses) on equity securities $ (2) $ — $ (13) $ 5 Net realized gains on sales of other investments 532 — 532 — Total gain on securities $ 530 $ — $ 519 $ 5

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	9 Months Ended
	Sep. 30, 2021
Receivables [Abstract]
LOANS AND ALLOWANCE FOR CREDIT LOSSES	NOTE 3 – LOANS AND ALLOWANCE FOR CREDIT LOSSES Loans are stated at amortized cost. Balances within the major loans receivable categories are presented in the following table: (dollars in thousands) September 30, 2021 December 31, 2020 Commercial, financial and agricultural $ 1,217,575 $ 1,627,477 Consumer installment 207,111 306,995 Indirect automobile 325,057 580,083 Mortgage warehouse 768,577 916,353 Municipal 624,430 659,403 Premium finance 840,737 687,841 Real estate – construction and development 1,454,824 1,606,710 Real estate – commercial and farmland 6,409,704 5,300,006 Real estate – residential 2,976,524 2,796,057 $ 14,824,539 $ 14,480,925 Included in commercial, financial and agricultural loans at September 30, 2021 and December 31, 2020 above are $280.4 million and $827.4 million, respectively, related to the SBA's Paycheck Protection Program (“PPP”). Accrued interest receivable on loans is reported in other assets on the consolidated balance sheets totaling $57.2 million and $73.4 million at September 30, 2021 and December 31, 2020, respectively. The Company recorded an allowance for credit losses of $224,000 and $718,000 related to deferred interest on loans modified under its Disaster Relief Program at September 30, 2021 and December 31, 2020, respectively. Nonaccrual and Past-Due Loans A loan is placed on nonaccrual status when, in management’s judgment, the collection of the interest income appears doubtful. Interest receivable that has been accrued and is subsequently determined to have doubtful collectability is charged to interest income. Interest on loans that are classified as nonaccrual is subsequently applied to principal until the loans are returned to accrual status. The Company’s loan policy states that a nonaccrual loan may be returned to accrual status when (i) none of its principal and interest is due and unpaid, and the Company expects repayment of the remaining contractual principal and interest, or (ii) it otherwise becomes well secured and in the process of collection. Restoration to accrual status on any given loan must be supported by a well-documented credit evaluation of the borrower’s financial condition and the prospects for full repayment, approved by the Company’s Chief Credit Officer. Past-due loans are loans whose principal or interest is past due 30 days or more. In some cases, where borrowers are experiencing financial difficulties, loans may be restructured to provide terms significantly different from the original contractual terms. The following table presents an analysis of loans accounted for on a nonaccrual basis: (dollars in thousands) September 30, 2021 December 31, 2020 Commercial, financial and agricultural $ 5,709 $ 9,836 Consumer installment 462 709 Indirect automobile 1,002 2,831 Real estate – construction and development 1,564 5,407 Real estate – commercial and farmland 17,459 18,517 Real estate – residential 32,736 39,157 $ 58,932 $ 76,457 There was no interest income recognized on nonaccrual loans during the nine months ended September 30, 2021 and 2020. The following table presents an analysis of nonaccrual loans with no related allowance for credit losses: (dollars in thousands) September 30, 2021 December 31, 2020 Commercial, financial and agricultural $ 221 $ 764 Real estate – construction and development 323 416 Real estate – commercial and farmland 2,815 7,015 Real estate – residential 3,765 5,299 $ 7,124 $ 13,494 The following table presents an analysis of past-due loans as of September 30, 2021 and December 31, 2020: (dollars in thousands) Loans Loans Loans 90 Total Current Total Loans 90 September 30, 2021 Commercial, financial and agricultural $ 2,271 $ 1,569 $ 2,060 $ 5,900 $ 1,211,675 $ 1,217,575 $ 2 Consumer installment 1,549 804 910 3,263 203,848 207,111 569 Indirect automobile 699 284 515 1,498 323,559 325,057 — Mortgage warehouse — — — — 768,577 768,577 — Municipal — — — — 624,430 624,430 — Premium finance 7,264 4,967 5,881 18,112 822,625 840,737 5,881 Real estate – construction and development 22,290 3,181 1,899 27,370 1,427,454 1,454,824 1,020 Real estate – commercial and farmland 9,373 1,166 6,410 16,949 6,392,755 6,409,704 — Real estate – residential 3,357 5,209 28,394 36,960 2,939,564 2,976,524 — Total $ 46,803 $ 17,180 $ 46,069 $ 110,052 $ 14,714,487 $ 14,824,539 $ 7,472 December 31, 2020 Commercial, financial and agricultural $ 4,576 $ 2,018 $ 5,652 $ 12,246 $ 1,615,231 $ 1,627,477 $ — Consumer installment 2,189 1,114 2,318 5,621 301,374 306,995 1,755 Indirect automobile 3,293 1,006 2,171 6,470 573,613 580,083 — Mortgage warehouse — — — — 916,353 916,353 — Municipal — — — — 659,403 659,403 — Premium finance 7,188 3,895 6,571 17,654 670,187 687,841 6,571 Real estate – construction and development 13,348 723 5,150 19,221 1,587,489 1,606,710 — Real estate – commercial and farmland 5,370 1,701 8,651 15,722 5,284,284 5,300,006 — Real estate – residential 20,519 3,125 34,081 57,725 2,738,332 2,796,057 — Total $ 56,483 $ 13,582 $ 64,594 $ 134,659 $ 14,346,266 $ 14,480,925 $ 8,326 Collateral-Dependent Loans Collateral-dependent loans are loans where repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty. If the Company determines that foreclosure is probable, these loans are written down to the lower of cost or fair value of the collateral less estimated costs to sell. When repayment is expected to be from the operation of the collateral, the allowance for credit losses is calculated as the amount by which the amortized cost basis of the financial asset exceeds the present value of expected cash flows from the operation of the collateral. The Company may, in the alternative, measure the allowance for credit loss as the amount by which the amortized cost basis of the financial asset exceeds the estimated fair value of the collateral. The following table presents an analysis of individually evaluated collateral-dependent financial assets and related allowance for credit losses: September 30, 2021 December 31, 2020 (dollars in thousands) Balance Allowance for Credit Losses Balance Allowance for Credit Losses Commercial, financial and agricultural $ 2,870 $ 704 $ 5,490 $ 2,252 Premium finance 2,315 97 3,523 — Real estate – construction and development 1,316 212 4,173 512 Real estate – commercial and farmland 50,744 10,161 100,180 21,001 Real estate – residential 14,633 2,124 9,716 891 $ 71,878 $ 13,298 $ 123,082 $ 24,656 Credit Quality Indicators The Company uses a nine category risk grading system to assign a risk grade to each loan in the portfolio. The following is a description of the general characteristics of the grades: Pass (Grades 1 - 5) – These grades represent acceptable credit risk to the Company based on factors including creditworthiness of the borrower, current performance and nature of the collateral. Other Assets Especially Mentioned (Grade 6) – This grade includes loans that exhibit potential weaknesses that deserve management’s close attention. If left uncorrected, these weaknesses may result in deterioration of the repayment prospects for the asset or in the Company’s credit position at some future date. Substandard (Grade 7) – This grade represents loans which are inadequately protected by the current credit worthiness and paying capacity of the borrower or of the collateral pledged, if any. These assets exhibit a well-defined weakness or are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. These weaknesses may be characterized by past due performance, operating losses or questionable collateral values. Doubtful (Grade 8) – This grade includes loans which exhibit all of the characteristics of a substandard loan with the added provision that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable or improbable. Loss (Grade 9) – This grade is assigned to loans which are considered uncollectible and of such little value that their continuance as active assets of the Bank is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing it off. The following tables present the loan portfolio's amortized cost by class of financing receivable, risk grade and year of origination (in thousands) as of September 30, 2021 and December 31, 2020. Generally, current period renewals of credit are underwritten again at the point of renewal and considered current period originations for purposes of the tables below. The Company had an immaterial amount of revolving loans which converted to term loans and the amortized cost basis of those loans is included in the applicable origination year. There were no loans risk graded 9 at September 30, 2021 or December 31, 2020. As of September 30, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Commercial, Financial and Agricultural Risk Grade: Pass $ 527,587 $ 158,865 $ 99,010 $ 75,973 $ 42,009 $ 40,557 $ 244,459 $ 1,188,460 6 36 776 527 445 439 3,381 1,439 7,043 7 722 510 3,851 2,151 2,644 5,051 7,143 22,072 Total commercial, financial and agricultural $ 528,345 $ 160,151 $ 103,388 $ 78,569 $ 45,092 $ 48,989 $ 253,041 $ 1,217,575 Consumer Installment Risk Grade: Pass $ 32,105 $ 69,866 $ 42,133 $ 30,626 $ 11,439 $ 11,851 $ 7,532 $ 205,552 6 — — — — — 138 6 144 7 5 253 329 219 53 473 83 1,415 Total consumer installment $ 32,110 $ 70,119 $ 42,462 $ 30,845 $ 11,492 $ 12,462 $ 7,621 $ 207,111 Indirect Automobile Risk Grade: Pass $ — $ — $ 23,803 $ 118,811 $ 110,168 $ 70,808 $ — $ 323,590 6 — — — 27 28 66 — 121 7 — — 36 159 264 887 — 1,346 Total indirect automobile $ — $ — $ 23,839 $ 118,997 $ 110,460 $ 71,761 $ — $ 325,057 Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 768,577 $ 768,577 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 768,577 $ 768,577 Municipal Risk Grade: Pass $ 42,565 $ 227,256 $ 14,911 $ 5,753 $ 141,822 $ 192,123 $ — $ 624,430 Total municipal $ 42,565 $ 227,256 $ 14,911 $ 5,753 $ 141,822 $ 192,123 $ — $ 624,430 Premium Finance Risk Grade: Pass $ 820,843 $ 13,411 $ 175 $ — $ 414 $ 13 $ — $ 834,856 7 3,582 2,298 1 — — — — 5,881 Total premium finance $ 824,425 $ 15,709 $ 176 $ — $ 414 $ 13 $ — $ 840,737 Real Estate – Construction and Development Risk Grade: Pass $ 629,733 $ 411,682 $ 234,740 $ 55,995 $ 39,464 $ 49,180 $ 27,024 $ 1,447,818 6 — — — — — 1,853 — 1,853 7 774 142 169 2,203 631 1,234 — 5,153 Total real estate – construction and development $ 630,507 $ 411,824 $ 234,909 $ 58,198 $ 40,095 $ 52,267 $ 27,024 $ 1,454,824 As of September 30, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Real Estate – Commercial and Farmland Risk Grade: Pass $ 1,471,281 $ 1,254,639 $ 1,118,208 $ 592,121 $ 522,226 $ 1,208,209 $ 85,462 $ 6,252,146 6 462 — 6,317 14,835 21,200 26,354 1,640 70,808 7 1,977 2,679 10,915 18,769 5,540 46,847 23 86,750 Total real estate – commercial and farmland $ 1,473,720 $ 1,257,318 $ 1,135,440 $ 625,725 $ 548,966 $ 1,281,410 $ 87,125 $ 6,409,704 Real Estate - Residential Risk Grade: Pass $ 891,155 $ 691,763 $ 367,862 $ 169,881 $ 121,410 $ 456,393 $ 218,163 $ 2,916,627 6 806 67 1,156 586 445 4,590 139 7,789 7 791 7,313 14,296 8,787 4,089 14,742 2,090 52,108 Total real estate - residential $ 892,752 $ 699,143 $ 383,314 $ 179,254 $ 125,944 $ 475,725 $ 220,392 $ 2,976,524 As of December 31, 2020 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2020 2019 2018 2017 2016 Prior Total Commercial, Financial and Agricultural Risk Grade: Pass $ 1,031,173 $ 134,604 $ 97,815 $ 64,573 $ 23,852 $ 38,744 $ 209,214 $ 1,599,975 6 21 72 506 193 3,509 1,232 632 6,165 7 3,312 3,460 2,579 3,573 1,294 5,214 1,886 21,318 8 — — — — — — 19 19 Total commercial, financial and agricultural $ 1,034,506 $ 138,136 $ 100,900 $ 68,339 $ 28,655 $ 45,190 $ 211,751 $ 1,627,477 Consumer Installment Risk Grade: Pass $ 142,803 $ 63,681 $ 57,644 $ 17,831 $ 4,674 $ 10,344 $ 8,662 $ 305,639 6 — 2 9 — — 145 — 156 7 30 209 72 105 134 553 97 1,200 Total consumer installment $ 142,833 $ 63,892 $ 57,725 $ 17,936 $ 4,808 $ 11,042 $ 8,759 $ 306,995 Indirect Automobile Risk Grade: Pass $ — $ 35,432 $ 187,737 $ 188,333 $ 108,926 $ 55,835 $ — $ 576,263 6 — — 57 70 62 85 — 274 7 — 163 519 561 1,078 1,225 — 3,546 Total indirect automobile $ — $ 35,595 $ 188,313 $ 188,964 $ 110,066 $ 57,145 $ — $ 580,083 Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 916,353 $ 916,353 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 916,353 $ 916,353 As of December 31, 2020 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2020 2019 2018 2017 2016 Prior Total Municipal Risk Grade: Pass $ 236,076 $ 13,398 $ 8,944 $ 149,194 $ 141,543 $ 110,248 $ — $ 659,403 Total municipal $ 236,076 $ 13,398 $ 8,944 $ 149,194 $ 141,543 $ 110,248 $ — $ 659,403 Premium Finance Risk Grade: Pass $ 661,614 $ 18,236 $ 515 $ 746 $ 121 $ 38 $ — $ 681,270 7 5,811 760 — — — — — 6,571 Total premium finance $ 667,425 $ 18,996 $ 515 $ 746 $ 121 $ 38 $ — $ 687,841 Real Estate – Construction and Development Risk Grade: Pass $ 666,193 $ 479,251 $ 221,926 $ 71,488 $ 35,799 $ 43,958 $ 69,974 $ 1,588,589 6 685 1,036 3,646 1,302 — 4,564 — 11,233 7 15 2,858 566 271 42 3,136 — 6,888 Total real estate – construction and development $ 666,893 $ 483,145 $ 226,138 $ 73,061 $ 35,841 $ 51,658 $ 69,974 $ 1,606,710 Real Estate – Commercial and Farmland Risk Grade: Pass $ 1,275,225 $ 995,273 $ 636,687 $ 611,823 $ 497,221 $ 925,534 $ 103,805 $ 5,045,568 6 — 10,680 4,895 28,139 7,670 31,224 — 82,608 7 250 54,439 18,574 15,489 27,044 55,763 271 171,830 Total real estate – commercial and farmland $ 1,275,475 $ 1,060,392 $ 660,156 $ 655,451 $ 531,935 $ 1,012,521 $ 104,076 $ 5,300,006 Real Estate - Residential Risk Grade: Pass $ 782,834 $ 551,308 $ 273,917 $ 201,738 $ 170,951 $ 502,823 $ 252,787 $ 2,736,358 6 527 1,843 1,030 334 724 3,391 255 8,104 7 3,442 9,387 12,339 4,667 2,157 16,659 2,944 51,595 Total real estate - residential $ 786,803 $ 562,538 $ 287,286 $ 206,739 $ 173,832 $ 522,873 $ 255,986 $ 2,796,057 Troubled Debt Restructurings The restructuring of a loan is considered a “troubled debt restructuring” if both (i) the borrower is experiencing financial difficulties and (ii) the Company has granted a concession. Concessions may include interest rate reductions to below market interest rates, principal forgiveness, restructuring amortization schedules and other actions intended to minimize potential losses. The Company’s policy requires a restructure request to be supported by a current, well-documented credit evaluation of the borrower’s financial condition and a collateral evaluation that is no older than six months from the date of the restructure. Key factors of that evaluation include the documentation of current, recurring cash flows, support provided by the guarantor(s) and the current valuation of the collateral. If the appraisal in the file is older than six months, an evaluation must be made as to the continued reasonableness of the valuation. For certain income-producing properties, current rent rolls and/or other income information can be utilized to support the appraisal valuation, when coupled with documented cap rates within our markets and a physical inspection of the collateral to validate the current condition. The Company’s policy states that in the event a loan has been identified as a troubled debt restructuring, it should be assigned a grade of substandard until such time the borrower has demonstrated the ability to service the loan payments based on the restructured terms – generally defined as six months of satisfactory payment history. Missed payments under the original loan terms are not considered under the new structure; however, subsequent missed payments are considered non-performance and are not considered toward the six month required term of satisfactory payment history. In the normal course of business, the Company renews loans with a modification of the interest rate or terms that are not deemed to be troubled debt restructurings because the borrower is not experiencing financial difficulty. The Company modified loans in the first nine months of 2021 and 2020 totaling $322.8 million and $313.6 million, respectively, under such parameters. As of September 30, 2021 and December 31, 2020, the Company had a balance of $87.4 million and $85.0 million, respectively, in troubled debt restructurings. The Company has recorded $654,000 and $1.2 million in previous charge-offs on such loans at September 30, 2021 and December 31, 2020, respectively. The Company’s balance in the allowance for credit losses allocated to such troubled debt restructurings was $14.3 million and $13.0 million at September 30, 2021 and December 31, 2020, respectively. At September 30, 2021, the Company did not have any commitments to lend additional funds to debtors whose terms have been modified in troubled restructurings. The following table presents the loans by class modified as troubled debt restructurings which occurred during the three and nine months ended September 30, 2021 and 2020. These modifications did not have a material impact on the Company’s allowance for credit losses. Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 Loan Class # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural — $ — 1 $ 9 6 $ 532 2 $ 725 Consumer installment — — — — 2 7 4 15 Indirect automobile — — 530 3,171 — — 530 3,170 Real estate – construction and development — — — — — — 1 19 Real estate – commercial and farmland — — 20 86,773 5 16,257 21 86,788 Real estate – residential 9 1,818 14 2,609 21 3,270 91 12,692 Total 9 $ 1,818 565 $ 92,562 34 $ 20,066 649 $ 103,409 The following table presents the outstanding balance of troubled debt restructurings by class that defaulted (defined as 30 days past due) during the three and nine months ended September 30, 2021 and 2020. These defaults did not have a material impact on the Company's allowance for credit losses. Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 Loan Class # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 1 $ 1 — $ — 1 $ 1 1 $ 198 Consumer installment 1 1 — — 1 1 4 3 Indirect automobile 4 23 — — 16 76 — — Real estate – construction and development — — 1 403 — — 3 689 Real estate – commercial and farmland — — 1 50 — — 3 726 Real estate – residential 4 489 12 957 15 1,111 16 1,142 Total 10 $ 514 14 $ 1,410 33 $ 1,189 27 $ 2,758 The following table presents the amount of troubled debt restructurings by loan class classified separately as accrual and nonaccrual at September 30, 2021 and December 31, 2020: September 30, 2021 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 14 $ 1,683 7 $ 112 Consumer installment 8 22 19 38 Indirect automobile 282 1,284 52 297 Real estate – construction and development 5 887 3 271 Real estate – commercial and farmland 27 43,895 7 6,715 Real estate – residential 227 29,521 30 2,687 Total 563 $ 77,292 118 $ 10,120 December 31, 2020 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 9 $ 521 11 $ 849 Consumer installment 10 32 20 56 Indirect automobile 437 2,277 51 461 Real estate – construction and development 4 506 5 707 Real estate – commercial and farmland 28 36,707 7 1,401 Real estate – residential 264 38,800 34 2,671 Total 752 $ 78,843 128 $ 6,145 COVID-19 Deferrals In response to the COVID-19 pandemic, the Company offered affected borrowers payment relief under its Disaster Relief Program. These modifications primarily consisted of short-term payment deferrals or interest-only periods to assist customers. The Company has also provided payment modifications to certain borrowers in economically sensitive industries of various terms up to nine months. Modifications related to the COVID-19 pandemic and qualifying under the provisions of Section 4013 of the CARES Act are not deemed to be troubled debt restructurings. As of September 30, 2021, $76.5 million in loans remained in payment deferral related to COVID-19 pandemic Disaster Relief Program compared with $332.8 million at December 31, 2020. The table below presents short-term deferrals related to the COVID-19 pandemic that were not considered TDRs. September 30, 2021 December 31, 2020 (dollars in thousands) COVID-19 Deferrals Deferrals as a % of total loans COVID-19 Deferrals Deferrals as a % of total loans Commercial, financial and agricultural $ 755 0.1 % $ 12,471 0.8 % Consumer installment — — % 1,418 0.5 % Indirect automobile 1,302 0.4 % 8,936 1.5 % Real estate – construction and development — — % 11,049 0.7 % Real estate – commercial and farmland 26,128 0.4 % 179,183 3.4 % Real estate – residential 48,340 1.6 % 119,722 4.3 % $ 76,525 0.5 % $ 332,779 2.3 % Allowance for Credit Losses on Loans The allowance for credit losses represents an allowance for expected losses over the remaining contractual life of the assets. The contractual term does not consider extensions, renewals or modifications unless the Company reasonably expects to execute a troubled debt restructuring with a borrower. The Company segregates the loan portfolio by type of loan and utilizes this segregation in evaluating exposure to risks within the portfolio. Loan losses are charged against the allowance when management believes the collection of a loan’s principal is unlikely. Subsequent recoveries are credited to the allowance. Consumer loans are charged off in accordance with the Federal Financial Institutions Examination Council’s (“FFIEC”) Uniform Retail Credit Classification and Account Management Policy. Commercial loans are charged off when they are deemed uncollectible, which usually involves a triggering event within the collection effort. If the loan is collateral dependent, the loss is more easily identified and is charged off when it is identified, usually based upon receipt of an appraisal. However, when a loan has guarantor support, the Company may carry the estimated loss as a reserve against the loan while collection efforts with the guarantor are pursued. If, after collection efforts with the guarantor are complete, the deficiency is still considered uncollectible, the loss is charged off and any further collections are treated as recoveries. In all situations, when a loan is downgraded to an Asset Quality Rating of 9 (Loss per the regulatory guidance), the uncollectible portion is charged off. The Company’s methodologies for estimating the allowance for credit losses consider available relevant information about the collectability of cash flows, including information about past events, current conditions, and reasonable and supportable forecasts. The methodologies apply historical loss information, adjusted for asset-specific characteristics, economic conditions at the measurement date, and forecasts about future economic conditions expected to exist through the contractual lives of the financial assets that are reasonable and supportable, to the identified pools of loans with similar risk characteristics for which the historical loss experience was observed. The Company utilizes a one year reasonable and supportable forecast period. The Company’s methodologies revert back to historical loss information on a straight-line basis over four quarters when the Company can no longer develop reasonable and supportable forecasts. During the nine months ended September 30, 2021, the allowance for credit losses decreased due to improvement in forecasted macroeconomic factors. Also contributing to the decrease was an improvement in qualitative factors attributable to uncertainty in the forecast and loss drivers used, particularly in the construction and development segment, compared with the December 31, 2020 provision estimate which management determined were both properly addressed in the current estimate. The allowance for credit losses was determined at September 30, 2021 using a weighting of two economic forecasts from Moody's. The Moody's stagflation scenario was weighted at 50% and the downside 75th percentile S-2 scenario was weighted at 50%. The current forecast reflects, among other things, improvements in forecast levels of home prices and commercial real estate prices compared with the forecast at December 31, 2020. The following tables detail activity and end of period balances in the allowance for credit losses by portfolio segment for the periods indicated. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. Three Months Ended September 30, 2021 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, June 30, 2021 $ 6,889 $ 7,824 $ 1,080 $ 3,365 $ 777 $ 4,539 Provision for loan losses (1,471) 3,063 (268) (287) (27) (456) Loans charged off (858) (1,647) (178) — — (605) Recoveries of loans previously charged off 1,986 199 278 — — 649 Balance, September 30, 2021 $ 6,546 $ 9,439 $ 912 $ 3,078 $ 750 $ 4,127 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, June 30, 2021 $ 18,999 $ 88,338 $ 43,259 $ 175,070 Provision for loan losses (6,423) 87 1,798 (3,984) Loans charged off — (210) (39) (3,537) Recoveries of loans previously charged off 45 266 241 3,664 Balance, September 30, 2021 $ 12,621 $ 88,481 $ 45,259 $ 171,213 Nine Months Ended September 30, 2021 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2020 $ 7,359 $ 4,076 $ 1,929 $ 3,666 $ 791 $ 3,879 Provision for loan losses 2,606 9,360 (1,219) (588) (41) (847) Loans charged off (6,757) (4,764) (1,148) — — (3,142) Recoveries of loans previously charged off 3,338 767 1,350 — — 4,237 Balance, September 30, 2021 $ 6,546 $ 9,439 $ 912 $ 3,078 $ 750 $ 4,127 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2020 $ 45,304 $ 88,894 $ 43,524 $ 199,422 Provision for loan losses (32,767) 727 1,307 (21,462) Loans charged off (212) (1,632) (594) (18,249) Recoveries of loans previously charged off 296 492 1,022 11,502 Balance, September 30, 2021 $ 12,621 $ 88,481 $ 45,259 $ 171,213 Three Months Ended September 30, 2020 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, June 30, 2020 $ 7,938 $ 20,085 $ 3,381 $ 1,498 $ 507 $ 8,198 Provision for loan losses 5,533 (3,693) 322 498 365 (2,316) Loans charged off (1,715) (677) (697) — — (1,159) Recoveries of loans previously charged off 470 516 317 — — 1,224 Balance, September 30, 2020 $ 12,226 $ 16,231 $ 3,323 $ 1,996 $ 872 $ 5,947 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, June 30, 2020 $ 54,266 $ 83,593 $ 29,327 $ 208,793 Provision for loan losses (10,208) 18,419 17,772 26,692 Loans charged off (9) (2,977) (137) (7,371) Recoveries of loans previously charged off 182 904 197 3,810 Balance, September 30, 2020 $ 44,231 $ 99,939 $ 47,159 $ 231,924 Nine Months Ended September 30, 2020 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2019 $ 4,567 $ 3,784 $ — $ 640 $ 484 $ 2,550 Adjustment to allowance for adoption of ASC 326 2,587 8,012 4,109 463 (92) 4,471 Provision for loan losses 8,624 5,943 1,138 893 480 235 Loans charged off (4,687) (2,781) (2,944) — — (3,893) Recoveries of loans previously charged off 1,135 1,273 1,020 — — 2,584 Balance, September 30, 2020 $ 12,226 $ 16,231 $ 3,323 $ 1,996 $ 872 $ 5,947 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2019 $ 5,995 $ 9,666 $ 10,503 $ 38,189 Adjustment to allowance for adoption of ASC 326 12,248 27,073 19,790 78,661 Provision for loan losses 25,379 72,410 17,086 132,188 Loans charged off (83) (10,220) (762) (25,370) Recoveries of loans previously charged off 692 1,010 542 8,256 Balance, September 30, 2020 $ 44,231 $ 99,939 $ 47,159 $ 231,924

SECURITIES SOLD UNDER AGREEMENT

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	9 Months Ended
	Sep. 30, 2021
Investments, Debt and Equity Securities [Abstract]
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	NOTE 4 – SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE The Company classifies the sales of securities under agreements to repurchase as short-term borrowings. The amounts received under these agreements are reflected as a liability in the Company’s consolidated balance sheets and the securities underlying these agreements are included in investment securities in the Company’s consolidated balance sheets. At September 30, 2021 and December 31, 2020, all securities sold under agreements to repurchase mature on a daily basis. The market value of the securities fluctuate on a daily basis due to market conditions. The Company monitors the market value of the securities underlying these agreements on a daily basis and is required to transfer additional securities if the market value of the securities fall below the repurchase agreement price. The Company maintains an unpledged securities portfolio that it believes is sufficient to protect against a decline in the market value of the securities sold under agreements to repurchase. The following is a summary of the Company’s securities sold under agreements to repurchase at September 30, 2021 and December 31, 2020: (dollars in thousands) September 30, 2021 December 31, 2020 Securities sold under agreements to repurchase $ 4,502 $ 11,641 At September 30, 2021 and December 31, 2020 the investment securities underlying these agreements were comprised of state, county and municipal securities and mortgage-backed securities.

OTHER BORROWINGS

OTHER BORROWINGS	9 Months Ended
	Sep. 30, 2021
Debt Disclosure [Abstract]
OTHER BORROWINGS	NOTE 5 – OTHER BORROWINGS Other borrowings consist of the following: (dollars in thousands) September 30, 2021 December 31, 2020 FHLB borrowings: Fixed Rate Advance due March 3, 2025; fixed interest rate of 1.208% $ 15,000 $ 15,000 Fixed Rate Advance due March 2, 2027; fixed interest rate of 1.445% 15,000 15,000 Fixed Rate Advance due March 4, 2030; fixed interest rate of 1.606% 15,000 15,000 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 1,403 1,411 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 971 977 Principal Reducing Advance due September 29, 2031; fixed interest rate of 3.095% 1,457 1,567 Subordinated notes payable: Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $714 and $812, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616% 74,286 74,188 Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $1,983 and $2,165, respectively; fixed interest rate of 4.25% through December 14, 2024; variable interest rate thereafter at three-month SOFR plus 2.94% 118,017 117,835 Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $1,058 and $1,150, respectively; fixed interest rate of 5.875% through May 31, 2025; variable interest rate thereafter at three-month LIBOR plus 3.63% 76,058 76,150 Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,817 and $1,973, respectively; fixed interest rate of 3.875% through September 30, 2025; variable interest rate thereafter at three-month SOFR plus 3.753% 108,183 108,027 $ 425,375 $ 425,155 The advances from the FHLB are collateralized by a blanket lien on all eligible first mortgage loans and other specific loans in addition to FHLB stock. At September 30, 2021, $3.83 billion was available for borrowing on lines with the FHLB. As of September 30, 2021, the Bank maintained credit arrangements with various financial institutions to purchase federal funds up to $127.0 million. The Bank also participates in the Federal Reserve discount window borrowings program. At September 30, 2021, the Bank had $3.03 billion of loans pledged at the Federal Reserve discount window and had $2.13 billion available for borrowing.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME	9 Months Ended
	Sep. 30, 2021
Equity [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME	NOTE 6 – ACCUMULATED OTHER COMPREHENSIVE INCOME Accumulated other comprehensive income for the Company consists of changes in net unrealized gains and losses on investment securities available-for-sale and interest rate swap derivatives. The reclassification for gains included in net income is recorded in net gain (loss) on securities in the consolidated statement of income and comprehensive income. The following table presents a summary of the accumulated other comprehensive income balances as well as changes in each of the respective components, net of tax, for the periods indicated: (dollars in thousands) Unrealized Unrealized Accumulated Other Comprehensive Income Three Months Ended September 30, 2021 Balance, June 30, 2021 $ — $ 25,024 $ 25,024 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax — (3,139) (3,139) Balance, September 30, 2021 $ — $ 21,885 $ 21,885 Three Months Ended September 30, 2020 Balance, June 30, 2020 $ (133) $ 39,746 $ 39,613 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax 133 (2,494) (2,361) Balance, September 30, 2020 $ — $ 37,252 $ 37,252 Nine Months Ended September 30, 2021 Balance, December 31, 2020 $ — $ 33,505 $ 33,505 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax — (11,620) (11,620) Balance, September 30, 2021 $ — $ 21,885 $ 21,885 Nine Months Ended September 30, 2020 Balance, December 31, 2019 $ (147) $ 18,142 $ 17,995 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax 147 19,110 19,257 Balance, September 30, 2020 $ — $ 37,252 $ 37,252

WEIGHTED AVERAGE SHARES OUTSTAN

WEIGHTED AVERAGE SHARES OUTSTANDING	9 Months Ended
	Sep. 30, 2021
Earnings Per Share [Abstract]
WEIGHTED AVERAGE SHARES OUTSTANDING	NOTE 7 – WEIGHTED AVERAGE SHARES OUTSTANDING Earnings per share have been computed based on the following weighted average number of common shares outstanding: Three Months Ended Nine Months Ended (share data in thousands) 2021 2020 2021 2020 Average common shares outstanding 69,440 69,231 69,445 69,243 Common share equivalents: Stock options 49 5 65 22 Nonvested restricted share grants 142 85 143 122 Performance stock units 125 25 119 16 Average common shares outstanding, assuming dilution 69,756 69,346 69,772 69,403 For the three and nine-month periods ended September 30, 2021, there were no outstanding options exerciseable for common shares with strike prices that would cause the underlying shares to be anti-dilutive. For the three and nine-month periods ended September 30, 2020, there were outstanding 252,765 and 253,765 options exerciseable for common shares, respectively, with strike prices that would cause the underlying shares to be anti-dilutive.

FAIR VALUE MEASURES

FAIR VALUE MEASURES	9 Months Ended
	Sep. 30, 2021
Fair Value Disclosures [Abstract]
FAIR VALUE MEASURES	NOTE 8 – FAIR VALUE MEASURES The fair value of an asset or liability is the current amount that would be exchanged between willing parties, other than in a forced liquidation. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company’s various assets and liabilities. In cases where quoted market prices are not available, fair value is based on discounted cash flows or other valuation techniques. These techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the asset or liability. The accounting standard for disclosures about the fair value measures excludes certain financial instruments and all nonfinancial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company. The Company's loans held for sale under the fair value option are comprised of the following: (dollars in thousands) September 30, 2021 December 31, 2020 Mortgage loans held for sale $ 1,430,695 $ 998,050 SBA loans held for sale 5,110 3,757 Total loans held for sale $ 1,435,805 $ 1,001,807 The Company has elected to record mortgage loans held for sale at fair value in order to eliminate the complexities and inherent difficulties of achieving hedge accounting and to better align reported results with the underlying economic changes in value of the loans and related hedge instruments. This election impacts the timing and recognition of origination fees and costs, as well as servicing value, which are now recognized in earnings at the time of origination. Interest income on mortgage loans held for sale is recorded on an accrual basis in the consolidated statements of income and comprehensive income under the heading interest income – interest and fees on loans. The servicing value is included in the fair value of the interest rate lock commitments (“IRLCs”) with borrowers. The mark to market adjustments related to mortgage loans held for sale and the associated economic hedges are captured in mortgage banking activities. A net gain of $5.8 million and a net loss of $9.3 million resulting from fair value changes of these mortgage loans were recorded in income during the three and nine months ended September 30, 2021, respectively. For the three and nine months ended September 30, 2020, a net loss of $23.3 million and a net gain of $17.8 million, respectively, resulting from fair value changes of these mortgage loans were recorded in income. A net gain of $7.3 million and a net loss of $10.3 million resulting from changes in the fair value of the related derivative financial instruments used to hedge exposure to the market-related risks associated with these mortgage loans were recorded in income during the three and nine months ended September 30, 2021, respectively. For the three and nine months ended September 30, 2020, net gains of $21.4 million and $55.2 million, respectively, resulting from changes in the fair value of the related derivative financial instruments were recorded in income. The change in fair value of both mortgage loans held for sale and the related derivative financial instruments are recorded in mortgage banking activity in the consolidated statements of income and comprehensive income. 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 loans, valuation adjustments attributable to instrument-specific credit risk is nominal. The following table summarizes the difference between the fair value and the principal balance for mortgage loans held for sale measured at fair value as of September 30, 2021 and December 31, 2020: (dollars in thousands) September 30, 2021 December 31, 2020 Aggregate fair value of mortgage loans held for sale $ 1,430,695 $ 998,050 Aggregate unpaid principal balance of mortgage loans held for sale 1,389,380 947,460 Past-due loans of 90 days or more 152 — Nonaccrual loans 152 — Unpaid principal balance of nonaccrual loans 149 — The following table summarizes the difference between the fair value and the principal balance for SBA loans held for sale measured at fair value as of September 30, 2021 and December 31, 2020: (dollars in thousands) September 30, 2021 December 31, 2020 Aggregate fair value of SBA loans held for sale $ 5,110 $ 3,757 Aggregate unpaid principal balance of SBA loans held for sale 4,446 3,393 Past-due loans of 90 days or more — — Nonaccrual loans — — The Company utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. Securities available-for-sale, loans held for sale under the fair value option and derivative financial instruments are recorded at fair value on a recurring basis. From time to time, the Company may be required to record at fair value other assets on a nonrecurring basis, such as collateral-dependent loans, loan servicing rights and OREO. Additionally, the Company is required to disclose, but not record, the fair value of other financial instruments. The following table presents the fair value measurements of assets and liabilities measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall as of September 30, 2021 and December 31, 2020: Recurring Basis September 30, 2021 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. government sponsored agencies $ 12,252 $ — $ 12,252 $ — State, county and municipal securities 54,216 — 54,216 — Corporate debt securities 33,998 — 32,618 1,380 SBA pool securities 47,917 — 47,917 — Mortgage-backed securities 536,121 — 536,121 — Loans held for sale 1,435,805 — 1,435,805 — Mortgage banking derivative instruments 25,063 — 25,063 — Total recurring assets at fair value $ 2,145,372 $ — $ 2,143,992 $ 1,380 Recurring Basis December 31, 2020 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. government sponsored agencies $ 17,504 $ — $ 17,504 $ — State, county and municipal securities 66,778 — 66,778 — Corporate debt securities 51,896 — 50,726 1,170 SBA pool securities 62,497 — 62,497 — Mortgage-backed securities 784,204 — 784,204 — Loans held for sale 1,001,807 — 1,001,807 — Mortgage banking derivative instruments 51,756 — 51,756 — Total recurring assets at fair value $ 2,036,442 $ — $ 2,035,272 $ 1,170 Financial liabilities: Mortgage banking derivative instruments $ 16,415 $ — $ 16,415 $ — Total recurring liabilities at fair value $ 16,415 $ — $ 16,415 $ — The following table presents the fair value measurements of assets measured at fair value on a non-recurring basis, as well as the general classification of such instruments pursuant to the valuation hierarchy as of September 30, 2021 and December 31, 2020: Nonrecurring Basis (dollars in thousands) Fair Value Level 1 Level 2 Level 3 September 30, 2021 Collateral-dependent loans $ 58,580 $ — $ — $ 58,580 Other real estate owned 81 — — 81 Mortgage servicing rights 188,506 — — 188,506 Total nonrecurring assets at fair value $ 247,167 $ — $ — $ 247,167 December 31, 2020 Collateral-dependent loans $ 98,426 $ — $ — $ 98,426 Other real estate owned 4,964 — — 4,964 Mortgage servicing rights 130,630 — — 130,630 SBA servicing rights 5,839 — 5,839 — Total nonrecurring assets at fair value $ 239,859 $ — $ 5,839 $ 234,020 The inputs used to determine estimated fair value of collateral-dependent loans include market conditions, loan term, underlying collateral characteristics and discount rates. The inputs used to determine fair value of OREO include market conditions, estimated marketing period or holding period, underlying collateral characteristics and discount rates. For the nine months ended September 30, 2021 and the year ended December 31, 2020, there was not a change in the methods and significant assumptions used to estimate fair value. The following table shows significant unobservable inputs used in the fair value measurement of Level 3 assets: (dollars in thousands) Fair Value Valuation Unobservable Inputs Range of Weighted September 30, 2021 Recurring: Investment securities available-for-sale $ 1,380 Discounted par values Discount rate 8.0% 8.0% Nonrecurring: Collateral-dependent loans $ 58,580 Third-party appraisals and discounted cash flows Collateral discounts and 20% - 90% 44% Other real estate owned $ 81 Third-party appraisals and sales contracts Collateral discounts and estimated 76% 76% Mortgage servicing rights $ 188,506 Discounted cash flows Discount rate 9% - 10% 9% Prepayment speed 10% - 38% 12% (dollars in thousands) Fair Value Valuation Unobservable Inputs Range of Weighted December 31, 2020 Recurring: Investment securities available-for-sale $ 1,170 Discounted par values Probability of default 18.8% 18.8% Loss given default 40% 40% Nonrecurring: Collateral-dependent loans $ 98,426 Third-party appraisals and discounted cash flows Collateral discounts and 20% - 90% 44% Other real estate owned $ 4,964 Third-party appraisals and sales contracts Collateral discounts and estimated 15% - 59% 28% Mortgage servicing rights $ 130,630 Discounted cash flows Discount rate 9% - 12% 10% Prepayment speed 14% - 37% 19% The carrying amount and estimated fair value of the Company’s financial instruments, not shown elsewhere in these financial statements, were as follows: Fair Value Measurements September 30, 2021 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 239,028 $ 239,028 $ — $ — $ 239,028 Federal funds sold and interest-bearing accounts 3,513,412 3,513,412 — — 3,513,412 Investment securities held-to-maturity 64,451 — 63,304 — 63,304 Loans, net 14,594,746 — — 14,574,784 14,574,784 Accrued interest receivable 59,957 — 2,991 56,966 59,957 Financial liabilities: Deposits 18,833,489 — 18,836,507 — 18,836,507 Securities sold under agreements to repurchase 4,502 4,502 — — 4,502 Other borrowings 425,375 — 430,037 — 430,037 Subordinated deferrable interest debentures 125,830 — 117,283 — 117,283 Accrued interest payable 6,356 — 6,356 — 6,356 Fair Value Measurements December 31, 2020 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 203,349 $ 203,349 $ — $ — $ 203,349 Federal funds sold and interest-bearing accounts 1,913,957 1,913,957 — — 1,913,957 Time deposits in other banks 249 — 249 — 249 Investment securities held-to-maturity — — — — — Loans, net 14,183,077 — — 14,096,711 14,096,711 Accrued interest receivable 76,254 — 3,567 72,687 76,254 Financial liabilities: Deposits 16,957,823 — 16,968,606 — 16,968,606 Securities sold under agreements to repurchase 11,641 11,641 — — 11,641 Other borrowings 425,155 — 431,783 — 431,783 Subordinated deferrable interest debentures 124,345 — 116,280 — 116,280 Accrued interest payable 5,487 — 5,487 — 5,487

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	9 Months Ended
	Sep. 30, 2021
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE 9 – COMMITMENTS AND CONTINGENCIES Loan Commitments The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. They involve, to varying degrees, elements of credit risk and interest rate risk in excess of the amount recognized in the Company’s balance sheets. The Company’s exposure to credit loss is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. A summary of the Company’s commitments is as follows: (dollars in thousands) September 30, 2021 December 31, 2020 Commitments to extend credit $ 3,783,300 $ 2,826,719 Unused home equity lines of credit 265,963 259,015 Financial standby letters of credit 33,259 33,613 Mortgage interest rate lock commitments 592,061 1,199,939 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. These commitments, predominantly at variable interest rates, generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the customer. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Collateral is required in instances which the Company deems necessary. The Company has not been required to perform on any material financial standby letters of credit and the Company has not incurred any losses on financial standby letters of credit for the nine months ended September 30, 2021 and the year ended December 31, 2020. The Company maintains an allowance for credit losses on unfunded commitments which is recorded in other liabilities on the consolidated balance sheets. The following table presents activity in the allowance for unfunded commitments for the periods presented: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2021 2020 2021 2020 Balance at beginning of period $ 22,314 $ 37,503 $ 32,854 $ 1,077 Adjustment to reflect adoption of ASC 326 — — — 12,714 Provision for unfunded commitments (5,516) (10,131) (16,056) 13,581 Balance at end of period $ 16,798 $ 27,372 $ 16,798 $ 27,372 Other Commitments As of September 30, 2021, letters of credit issued by the FHLB totaling $290.0 million were used to guarantee the Bank’s performance related to a portion of its public fund deposit balances. Litigation and Regulatory Contingencies From time to time, the Company and the Bank are subject to various legal proceedings, claims and disputes that arise in the ordinary course of business. The Company and the Bank are also subject to regulatory examinations, information gathering requests, inquiries and investigations in the ordinary course of business. Based on the Company’s current knowledge and advice of counsel, management presently does not believe that the liabilities arising from these legal matters will have a material adverse effect on the Company’s consolidated financial condition, results of operations or cash flows. However, it is possible that the ultimate resolution of these legal matters could have a material adverse effect on the Company’s results of operations and financial condition for any particular period. The Company’s management and its legal counsel periodically assess contingent liabilities, which may result in a loss to the Company but which will only be resolved when one or more future events occur or fail to occur, and such assessment inherently involves an exercise of judgment. In assessing loss contingencies related to legal proceedings that are pending against the Company or unasserted claims that may result in such proceedings, the Company evaluates the perceived merits of any legal proceedings or unasserted claims, as well as the perceived merits of the amount of relief sought or expected to be sought therein. If the assessment of a contingency indicates that it is probable that a material loss has been incurred and the amount of the liability can be estimated, then the estimated liability would be accrued in the Company’s financial statements. If the assessment indicates that a potentially material loss contingency is not probable, but is reasonably possible, or is probable but cannot be estimated, then the nature of the contingent liability, together with an estimate of the range of possible loss if determinable and material, would be disclosed. Loss contingencies considered remote are generally not disclosed unless they involve guarantees, in which case the nature of the guarantee would be disclosed. COVID-19 The COVID-19 pandemic has caused significant and unprecedented economic dislocation in the United States. As a result of the pandemic, commercial customers have experienced varying levels of disruptions or restrictions on their business activity, and consumers are experiencing interrupted income or unemployment. We have outstanding loans to borrowers in certain industries that have been particularly susceptible to the effects of the pandemic, such as hotels, restaurants and other retail businesses. Given the ongoing and dynamic nature of the circumstances, it is difficult to predict the full impact of the COVID-19 pandemic on our business. The United States government has taken steps to mitigate some of the more severe economic effects of the coronavirus, including the passage of the CARES Act and subsequent legislation, but there can be no assurance that such steps will be sufficient to achieve their desired results in a timely fashion. The extent of such impact from the COVID-19 pandemic and related mitigation efforts will depend on future developments, which remain highly uncertain, including, but not limited to, the potential for a resurgence or additional waves or variants of the coronavirus, actions to contain the virus or treat its impact, including public acceptance of vaccines, and how quickly and to what extent normal economic and operating activity can fully resume. This could cause a material, adverse effect on the Company’s business, financial condition and results of operations, including increases in loan delinquencies, problem assets and foreclosures; decreases in the value of collateral securing our loans; increases in our allowance for credit losses; and decreases in the value of our intangible assets.

SEGMENT REPORTING

SEGMENT REPORTING	9 Months Ended
	Sep. 30, 2021
Segment Reporting [Abstract]
SEGMENT REPORTING	NOTE 10 – SEGMENT REPORTING The Company has the following five reportable segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division and Premium Finance Division. The Banking Division derives its revenues from the delivery of full-service financial services, including commercial loans, consumer loans and deposit accounts. The Retail Mortgage Division derives its revenues from the origination, sales and servicing of one-to-four family residential mortgage loans. The Warehouse Lending Division derives its revenues from the origination and servicing of warehouse lines to other businesses that are secured by underlying one-to-four family residential mortgage loans. The SBA Division derives its revenues from the origination, sales and servicing of SBA loans. The Premium Finance Division derives its revenues from the origination and servicing of commercial insurance premium finance loans. The Banking, Retail Mortgage, Warehouse Lending, SBA and Premium Finance Divisions are managed as separate business units because of the different products and services they provide. The Company evaluates performance and allocates resources based on profit or loss from operations. There are no material intersegment sales or transfers. The following tables present selected financial information with respect to the Company’s reportable business segments for the three and nine months ended September 30, 2021 and 2020: Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 110,708 $ 33,390 $ 9,093 $ 11,986 $ 7,869 $ 173,046 Interest expense (2,816) 12,101 381 1,287 432 11,385 Net interest income 113,524 21,289 8,712 10,699 7,437 161,661 Provision for credit losses (9,578) 1,678 (291) (1,104) (380) (9,675) Noninterest income 17,896 55,555 1,037 2,070 4 76,562 Noninterest expense Salaries and employee benefits 40,020 36,373 264 1,320 1,694 79,671 Occupancy and equipment 10,196 1,590 — 116 77 11,979 Data processing and communications expenses 9,159 1,357 59 18 88 10,681 Other expenses 21,723 11,675 200 370 897 34,865 Total noninterest expense 81,098 50,995 523 1,824 2,756 137,196 Income before income tax expense 59,900 24,171 9,517 12,049 5,065 110,702 Income tax expense 17,784 5,076 1,999 2,530 1,633 29,022 Net income $ 42,116 $ 19,095 $ 7,518 $ 9,519 $ 3,432 $ 81,680 Total assets $ 16,070,583 $ 4,247,967 $ 740,809 $ 529,044 $ 944,738 $ 22,533,141 Goodwill 863,507 — — — 64,498 928,005 Other intangible assets, net 47,768 — — — 12,628 60,396 Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 123,593 $ 31,040 $ 6,844 $ 10,958 $ 7,499 $ 179,934 Interest expense 4,031 10,647 298 1,992 428 17,396 Net interest income 119,562 20,393 6,546 8,966 7,071 162,538 Provision for credit losses 487 15,051 495 4,297 (2,648) 17,682 Noninterest income 15,265 137,583 1,064 5,106 — 159,018 Noninterest expense Salaries and employee benefits 39,718 53,500 266 1,572 1,642 96,698 Occupancy and equipment 11,955 1,676 1 97 76 13,805 Data processing and communications expenses 9,716 2,349 73 4 84 12,226 Other expenses 21,517 7,889 28 595 934 30,963 Total noninterest expense 82,906 65,414 368 2,268 2,736 153,692 Income (loss) before income tax expense 51,434 77,511 6,747 7,507 6,983 150,182 Income tax expense (benefit) 13,453 16,112 1,431 1,577 1,464 34,037 Net income (loss) $ 37,981 $ 61,399 $ 5,316 $ 5,930 $ 5,519 $ 116,145 Total assets $ 13,098,562 $ 3,632,999 $ 1,002,027 $ 1,338,794 $ 801,469 $ 19,873,851 Goodwill 863,507 — — — 64,498 928,005 Other intangible assets, net 60,568 — — — 15,596 76,164 Nine Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 332,347 $ 97,674 $ 28,408 $ 44,070 $ 22,248 $ 524,747 Interest expense (4,663) 34,868 1,070 3,854 1,128 36,257 Net interest income 337,010 62,806 27,338 40,216 21,120 488,490 Provision for credit losses (37,431) 2,772 (591) (2,258) (616) (38,124) Noninterest income 50,805 222,250 3,350 7,358 12 283,775 Noninterest expense Salaries and employee benefits 120,557 131,009 872 3,639 5,084 261,161 Occupancy and equipment 29,366 4,619 2 354 231 34,572 Data processing and communications expenses 29,640 4,338 176 19 269 34,442 Other expenses 60,196 27,502 263 949 2,670 91,580 Total noninterest expense 239,759 167,468 1,313 4,961 8,254 421,755 Income before income tax expense 185,487 114,816 29,966 44,871 13,494 388,634 Income tax expense 50,436 24,111 6,293 9,423 3,402 93,665 Net income $ 135,051 $ 90,705 $ 23,673 $ 35,448 $ 10,092 $ 294,969 Nine Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 384,547 $ 99,165 $ 16,979 $ 23,443 $ 23,586 $ 547,720 Interest expense 26,280 36,714 2,105 5,262 3,062 73,423 Net interest income 358,267 62,451 14,874 18,181 20,524 474,297 Provision for credit losses 123,289 17,471 889 5,716 (475) 146,890 Noninterest income 47,506 276,147 2,751 7,953 — 334,357 Noninterest expense Salaries and employee benefits 121,762 134,600 685 5,660 5,105 267,812 Occupancy and equipment 33,981 5,133 3 291 232 39,640 Data processing and communications expenses 29,432 4,741 169 32 320 34,694 Other expenses 80,159 20,713 150 1,469 2,876 105,367 Total noninterest expense 265,334 165,187 1,007 7,452 8,533 447,513 Income (loss) before income tax expense 17,150 155,940 15,729 12,966 12,466 214,251 Income tax expense (benefit) 5,146 32,751 3,317 2,723 2,611 46,548 Net income (loss) $ 12,004 $ 123,189 $ 12,412 $ 10,243 $ 9,855 $ 167,703

LOAN SERVICING RIGHTS

LOAN SERVICING RIGHTS	9 Months Ended
	Sep. 30, 2021
Transfers and Servicing [Abstract]
LOAN SERVICING RIGHTS	NOTE 11 – LOAN SERVICING RIGHTS The Company sells certain residential mortgage loans and SBA loans to third parties. All such transfers are accounted for as sales and the continuing involvement in the loans sold is limited to certain servicing responsibilities. The Company has also acquired portfolios of residential mortgage, SBA and indirect automobile loans serviced for others. Loan servicing rights are initially recorded at fair value and subsequently recorded at the lower of cost or fair value and are amortized over the remaining service life of the loans, with consideration given to prepayment assumptions. Loan servicing rights are recorded in other assets on the consolidated balance sheets. The carrying value of the loan servicing rights assets is shown in the table below: (dollars in thousands) September 30, 2021 December 31, 2020 Loan Servicing Rights Residential mortgage $ 188,506 $ 130,630 SBA 5,833 5,839 Indirect automobile — 73 Total loan servicing rights $ 194,339 $ 136,542 Residential Mortgage Loans The Company sells certain first-lien residential mortgage loans to third party investors, primarily Federal National Mortgage Association (“FNMA”), Government National Mortgage Association (“GNMA”), and Federal Home Loan Mortgage Corporation (“FHLMC”). The Company retains the related mortgage servicing rights (“MSRs”) and receives servicing fees on certain of these loans. The net gain on loan sales, MSRs amortization and recoveries/impairment, and ongoing servicing fees on the portfolio of loans serviced for others are recorded in the consolidated statements of income and comprehensive income as part of mortgage banking activity. During the three- and nine-months ended September 30, 2021, the Company recorded servicing fee income of $13.8 million and $35.3 million, respectively. During the three- and nine-months ended September 30, 2020, the Company recorded servicing fee income of $8.3 million and $21.4 million, respectively. Servicing fee income includes servicing fees, late fees and ancillary fees earned for each period. The table below is an analysis of the activity in the Company’s MSRs and valuation allowance: (dollars in thousands) Three Months Ended September 30, Nine Months Ended September 30, Residential mortgage servicing rights 2021 2020 2021 2020 Beginning carrying value, net $ 191,675 $ 91,381 $ 130,630 $ 94,902 Additions 6,195 30,376 71,439 65,735 Amortization (7,967) (6,231) (22,648) (16,084) Recoveries/(impairment) (1,397) (1,130) 9,085 (30,157) Ending carrying value, net $ 188,506 $ 114,396 $ 188,506 $ 114,396 (dollars in thousands) Three Months Ended September 30, Nine Months Ended September 30, Residential mortgage servicing valuation allowance 2021 2020 2021 2020 Beginning balance $ 28,925 $ 29,131 $ 39,407 $ 104 Additions 1,397 1,130 1,397 30,157 Recoveries — — (10,482) — Ending balance $ 30,322 $ 30,261 $ 30,322 $ 30,261 The key metrics and the sensitivity of the fair value to adverse changes in model inputs and/or assumptions are summarized below: (dollars in thousands) September 30, 2021 December 31, 2020 Residential mortgage servicing rights Unpaid principal balance of loans serviced for others $ 15,994,406 $ 13,764,529 Composition of residential loans serviced for others: FHLMC 21.86 % 21.55 % FNMA 60.05 % 61.75 % GNMA 18.09 % 16.70 % Total 100.00 % 100.00 % Weighted average term (months) 341 340 Weighted average age (months) 20 20 Modeled prepayment speed 12.46 % 18.82 % Decline in fair value due to a 10% adverse change (8,334) (7,154) Decline in fair value due to a 20% adverse change (16,035) (13,664) Weighted average discount rate 8.77 % 9.50 % Decline in fair value due to a 10% adverse change (6,503) (4,304) Decline in fair value due to a 20% adverse change (12,565) (8,321) The sensitivity calculations above are hypothetical and should not be considered to be predictive of future performance. As indicated, changes in fair value based on adverse changes in model inputs and/or assumptions generally cannot be extrapolated because the relationship of the change in input or assumption to the change in fair value may not be linear. In addition, the effect of an adverse variation in a particular input or assumption on the value of the residential mortgage servicing rights is calculated without changing any other input or assumption. In reality, changes in one factor may magnify or counteract the effect of the change. SBA Loans All sales of SBA loans, consisting of the guaranteed portion, are executed on a servicing retained basis. These loans, which are partially guaranteed by the SBA, are generally secured by business property such as real estate, inventory, equipment and accounts receivable. The net gain on SBA loan sales, amortization and impairment/recoveries of servicing rights, and ongoing servicing fees are recorded in the consolidated statements of income and comprehensive income as part of other noninterest income. During the three- and nine-months ended September 30, 2021, the Company recorded servicing fee income of $1.0 million and $3.0 million, respectively. During the three- and nine-months ended September 30, 2020, the Company recorded servicing fee income of $1.1 million and $3.3 million, respectively. Servicing fee income includes servicing fees, late fees and ancillary fees earned for each period. The table below is an analysis of the activity in the Company’s SBA loan servicing rights and valuation allowance: (dollars in thousands) Three Months Ended September 30, Nine Months Ended September 30, SBA servicing rights 2021 2020 2021 2020 Beginning carrying value, net $ 6,123 $ 5,241 $ 5,839 $ 7,886 Additions 265 499 736 974 Purchase accounting adjustment — — — (1,214) Amortization (555) (396) (1,647) (1,175) Recoveries/(impairment) — 718 905 (409) Ending carrying value, net $ 5,833 $ 6,062 $ 5,833 $ 6,062 (dollars in thousands) Three Months Ended September 30, Nine Months Ended September 30, SBA servicing valuation allowance 2021 2020 2021 2020 Beginning balance $ — $ 1,268 $ 905 $ 141 Additions — — — 409 Recoveries — (718) (905) — Ending balance $ — $ 550 $ — $ 550 (dollars in thousands) September 30, 2021 December 31, 2020 SBA servicing rights Unpaid principal balance of loans serviced for others $ 418,377 $ 351,325 Weighted average life (in years) 3.60 3.46 Modeled prepayment speed 18.10 % 19.14 % Decline in fair value due to a 10% adverse change (318) (335) Decline in fair value due to a 20% adverse change (606) (636) Weighted average discount rate 10.62 % 9.55 % Decline in fair value due to a 100 basis point adverse change (153) (151) Decline in fair value due to a 200 basis point adverse change (299) (295) The sensitivity calculations above are hypothetical and should not be considered to be predictive of future performance. As indicated, changes in fair value based on adverse changes in model inputs and/or assumptions generally cannot be extrapolated because the relationship of the change in input or assumption to the change in fair value may not be linear. In addition, the effect of an adverse variation in a particular input or assumption on the value of the SBA servicing rights is calculated without changing any other input or assumption. In reality, changes in one factor may magnify or counteract the effect of the change. Indirect Automobile Loans The Company previously acquired a portfolio of indirect automobile loans serviced for others. These loans, or portions of loans, were sold on a servicing retained basis. Amortization and impairment/recoveries of servicing rights, and ongoing servicing fees are recorded in the consolidated statements of income and comprehensive income as part of other noninterest income. The Company is not actively originating or selling indirect automobile loans. (dollars in thousands) Three Months Ended September 30, Nine Months Ended September 30, Indirect automobile servicing rights 2021 2020 2021 2020 Beginning carrying value, net $ — $ 162 $ 73 $ 247 Amortization — (45) (73) (130) Ending carrying value, net $ — $ 117 $ — $ 117 During the three- and nine-months ended September 30, 2021, the Company recorded servicing fee income of $135,000 and $510,000, respectively. During the three- and nine-months ended September 30, 2020, the Company recorded servicing fee income of $259,000 and $1.5 million, respectively. Servicing fee income includes servicing fees, late fees and ancillary fees earned for each period.

BASIS OF PRESENTATION AND ACC_2

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Business	Nature of Business Ameris Bancorp (the “Company” or “Ameris”) is a financial holding company headquartered in Atlanta, Georgia. Ameris conducts substantially all of its operations through its wholly owned banking subsidiary, Ameris Bank (the “Bank”). At September 30, 2021, the Bank operated 165 branches in select markets in Georgia, Alabama, Florida, North Carolina and South Carolina. Our business model capitalizes on the efficiencies of a large financial services company, while still providing the community with the personalized banking service expected by our customers. We manage our Bank through a balance of decentralized management responsibilities and efficient centralized operating systems, products and loan underwriting standards. The Company’s Board of Directors and senior managers establish corporate policy, strategy and administrative policies. Within our established guidelines and policies, the banker closest to the customer responds to the differing needs and demands of his or her unique market.
Basis of Presentation	Basis of Presentation The accompanying unaudited consolidated financial statements for Ameris have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and Regulation S-X. Accordingly, the financial statements do not include all of the information and footnotes required by accounting principles generally accepted in the United States of America (“GAAP”) for complete financial statement presentation. The interim consolidated financial statements included herein are unaudited but reflect all adjustments, consisting of normal recurring adjustments, which, in the opinion of management, are necessary for a fair presentation of the consolidated financial position and results of operations for the interim periods presented. All significant intercompany accounts and transactions have been eliminated in consolidation. The results of operations for the period ended September 30, 2021 are not necessarily indicative of the results to be expected for the full year. These financial statements should be read in conjunction with the financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020. In preparing the consolidated financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.
Cash and Cash Equivalents	Cash and Cash EquivalentsFor purposes of reporting cash flows, cash and cash equivalents include cash on hand, cash items in process of collection, amounts due from banks, interest-bearing deposits in banks and federal funds sold. The Bank is required to maintain reserve balances in cash or on deposit with the Federal Reserve Bank of Atlanta.
Reclassifications	ReclassificationsCertain reclassifications of prior year amounts have been made to conform with the current year presentations. The reclassifications had no effect on net income or shareholders' equity as previously reported.
Accounting Standards Adopted in 2021 and Accounting Standards Pending Adoption	Accounting Standards Adopted in 2021 ASU 2019-12 – Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes ("ASU 2019-12") . ASU 2019-12 simplifies the accounting for income taxes by removing certain technical exceptions. ASU 2019-12 also clarifies and amends the accounting for income taxes in certain areas including, among others: (i) franchise taxes that are partially based on income; (ii) whether step ups in the tax basis of goodwill should be considered part of the acquisition to which it related or recognized as a separate transaction; and (iii) requiring the effect of an enacted change in tax laws or rates to be reflected in the annual effective tax rate computation in the interim period that includes the enactment date. During the first quarter of 2021, the Company adopted this ASU and applied the amendments in this update on a modified retrospective basis for the provision related to franchise taxes and prospectively for all other amendments. The adoption did not have a material impact on the Company's consolidated financial statements. Accounting Standards Pending Adoption ASU No. 2021-01 – Reference Rate Reform (Topic 848): Scope ("ASU 2021-01"). ASU 2021-01 clarifies that certain optional expedients and exceptions in ASC 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. ASU 2021-01 also amends the expedients and exceptions in ASC 848 to capture the incremental consequences of the scope clarification and to tailor the existing guidance to derivative instruments affected by the discounting transition. Because the guidance is intended to assist stakeholders during the global market-wide reference rate transition period, it is in effect for a limited time, from March 12, 2020 through December 31, 2022. The Company is currently evaluating the impact of adopting ASU 2021-01 on the consolidated financial statements. ASU No. 2020-04 – Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting ("ASU 2020-04"). ASU 2020-04 provides optional guidance, for a limited time, to ease the potential burden in accounting for or recognizing the effects of reference rate reform on financial reporting. The amendments, which are elective, provide expedients and exceptions for applying GAAP to contract modifications and hedging relationships affected by reference rate reform if certain criteria are met. The amendments apply only to contracts and hedging relationships that reference LIBOR or another reference rate that is expected to be discontinued due to reference rate reform. The optional expedients for contract modifications apply consistently for all contracts or transactions within the relevant Codification Topic, Subtopic, or Industry Subtopic that contains the guidance that otherwise would be required to be applied, while those for hedging relationships can be elected on an individual hedging relationship basis. Because the guidance is intended to assist stakeholders during the global market-wide reference rate transition period, it is in effect for a limited time, from March 12, 2020 through December 31, 2022. The Company has established a working committee with representatives from relevant functional areas to inventory the contracts and accounts that are tied to LIBOR and develop a transition plan for the affected items. The Company is currently evaluating the impact of adopting ASU 2020-04 on the consolidated financial statements.

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2021
Investments, Debt and Equity Securities [Abstract]
Amortized Cost and Estimated Fair Value of Debt Securities Available for Sale	The amortized cost and estimated fair value of securities available-for-sale along with allowance for credit losses, gross unrealized gains and losses are summarized as follows: (dollars in thousands) Securities available-for-sale Amortized Allowance for Credit Losses Gross Gross Estimated September 30, 2021 U.S. government sponsored agencies $ 12,102 $ — $ 150 $ — $ 12,252 State, county and municipal securities 51,541 — 2,675 — 54,216 Corporate debt securities 33,397 — 722 (121) 33,998 SBA pool securities 46,354 — 1,629 (66) 47,917 Mortgage-backed securities 513,408 — 22,718 (5) 536,121 Total debt securities available-for-sale $ 656,802 $ — $ 27,894 $ (192) $ 684,504 December 31, 2020 U.S. government sponsored agencies $ 17,161 $ — $ 343 $ — $ 17,504 State, county and municipal securities 63,286 — 3,492 — 66,778 Corporate debt securities 51,639 (112) 602 (233) 51,896 SBA pool securities 59,973 — 2,620 (96) 62,497 Mortgage-backed securities 748,521 — 35,797 (114) 784,204 Total debt securities available-for-sale $ 940,580 $ (112) $ 42,854 $ (443) $ 982,879
Amortized Cost and Estimated Fair Value of Debt Securities Held-to-Maturity	The amortized cost and estimated fair value of securities held-to-maturity along with gross unrealized gains and losses are summarized as follows: (dollars in thousands) Securities held-to-maturity Amortized Gross Gross Estimated September 30, 2021 State, county and municipal securities $ 3,905 $ — $ (121) $ 3,784 Mortgage-backed securities 60,546 — (1,026) 59,520 Total debt securities held-to-maturity $ 64,451 $ — $ (1,147) $ 63,304
Amortized Cost and Estimated Fair Value of Debt Securities, Classified by Contractual Maturity Date	The amortized cost and estimated fair value of debt securities available-for-sale and held-to-maturity as of September 30, 2021, by contractual maturity are shown below. Maturities may differ from contractual maturities in mortgage-backed securities because the mortgages underlying these securities may be called or repaid without penalty. Therefore, these securities are not included in the maturity categories in the following maturity summary: Available-for-Sale Held-to-Maturity ( dollars in thousands) Amortized Estimated Fair Value Amortized Estimated Fair Value Due in one year or less $ 17,228 $ 17,357 $ — $ — Due from one year to five years 34,212 35,780 — — Due from five to ten years 52,456 54,242 — — Due after ten years 39,498 41,004 3,905 3,784 Mortgage-backed securities 513,408 536,121 60,546 59,520 $ 656,802 $ 684,504 $ 64,451 $ 63,304
Schedule of Available-for-Sale Securities with Unrealized Losses	The following table shows the gross unrealized losses and estimated fair value of available-for-sale securities aggregated by category and length of time that securities have been in a continuous unrealized loss position at September 30, 2021 and December 31, 2020: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities available-for-sale Estimated Unrealized Estimated Unrealized Estimated Unrealized September 30, 2021 Corporate debt securities $ — $ — $ 1,380 $ (121) $ 1,380 $ (121) SBA pool securities — — 2,754 (66) 2,754 (66) Mortgage-backed securities 3,034 (5) 137 — 3,171 (5) Total debt securities available-for-sale $ 3,034 $ (5) $ 4,271 $ (187) $ 7,305 $ (192) December 31, 2020 Corporate debt securities $ 10,159 $ (233) $ — $ — $ 10,159 $ (233) SBA pool securities — — 3,948 (96) 3,948 (96) Mortgage-backed securities 24,120 (114) 2 — 24,122 (114) Total debt securities available-for-sale $ 34,279 $ (347) $ 3,950 $ (96) $ 38,229 $ (443)
Schedule of Held-to-Maturity Securities with Unrealized Losses	The following table shows the gross unrealized losses and estimated fair value of held-to-maturity securities aggregated by category and length of time that securities have been in a continuous unrealized loss position at September 30, 2021: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities held-to-maturity Estimated Unrealized Estimated Unrealized Estimated Unrealized September 30, 2021 State, county and municipal securities $ 3,784 $ (121) $ — $ — $ 3,784 $ (121) Mortgage-backed securities 59,520 (1,026) — — 59,520 (1,026) Total debt securities held-to-maturity $ 63,304 $ (1,147) $ — $ — $ 63,304 $ (1,147)
Schedule of Investments Available-for-sale, Allowance for Credit Loss	The $192,000 in unrealized loss was determined to be from factors other than credit. (dollars in thousands) Three Months Ended September 30, Nine Months Ended September 30, Allowance for credit losses 2021 2020 2021 2020 Beginning balance $ 81 $ — $ 112 $ — Provision for expected credit losses (81) 68 (112) 68 Ending balance $ — $ 68 $ — $ 68
Schedule of Gain (Loss) on Investments	Total net gain on securities reported on the consolidated statements of income and comprehensive income is comprised of the following for the three and nine months ended September 30, 2021 and 2020: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2021 2020 2021 2020 Unrealized holding gains (losses) on equity securities $ (2) $ — $ (13) $ 5 Net realized gains on sales of other investments 532 — 532 — Total gain on securities $ 530 $ — $ 519 $ 5

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	9 Months Ended
	Sep. 30, 2021
Receivables [Abstract]
Schedule of Accounts Notes Loans and Financial Receivables	Loans are stated at amortized cost. Balances within the major loans receivable categories are presented in the following table: (dollars in thousands) September 30, 2021 December 31, 2020 Commercial, financial and agricultural $ 1,217,575 $ 1,627,477 Consumer installment 207,111 306,995 Indirect automobile 325,057 580,083 Mortgage warehouse 768,577 916,353 Municipal 624,430 659,403 Premium finance 840,737 687,841 Real estate – construction and development 1,454,824 1,606,710 Real estate – commercial and farmland 6,409,704 5,300,006 Real estate – residential 2,976,524 2,796,057 $ 14,824,539 $ 14,480,925
Summary of Financial Receivable Nonaccrual Basis	The following table presents an analysis of loans accounted for on a nonaccrual basis: (dollars in thousands) September 30, 2021 December 31, 2020 Commercial, financial and agricultural $ 5,709 $ 9,836 Consumer installment 462 709 Indirect automobile 1,002 2,831 Real estate – construction and development 1,564 5,407 Real estate – commercial and farmland 17,459 18,517 Real estate – residential 32,736 39,157 $ 58,932 $ 76,457 The following table presents an analysis of nonaccrual loans with no related allowance for credit losses: (dollars in thousands) September 30, 2021 December 31, 2020 Commercial, financial and agricultural $ 221 $ 764 Real estate – construction and development 323 416 Real estate – commercial and farmland 2,815 7,015 Real estate – residential 3,765 5,299 $ 7,124 $ 13,494
Summary of Past Due Financial Receivables	The following table presents an analysis of past-due loans as of September 30, 2021 and December 31, 2020: (dollars in thousands) Loans Loans Loans 90 Total Current Total Loans 90 September 30, 2021 Commercial, financial and agricultural $ 2,271 $ 1,569 $ 2,060 $ 5,900 $ 1,211,675 $ 1,217,575 $ 2 Consumer installment 1,549 804 910 3,263 203,848 207,111 569 Indirect automobile 699 284 515 1,498 323,559 325,057 — Mortgage warehouse — — — — 768,577 768,577 — Municipal — — — — 624,430 624,430 — Premium finance 7,264 4,967 5,881 18,112 822,625 840,737 5,881 Real estate – construction and development 22,290 3,181 1,899 27,370 1,427,454 1,454,824 1,020 Real estate – commercial and farmland 9,373 1,166 6,410 16,949 6,392,755 6,409,704 — Real estate – residential 3,357 5,209 28,394 36,960 2,939,564 2,976,524 — Total $ 46,803 $ 17,180 $ 46,069 $ 110,052 $ 14,714,487 $ 14,824,539 $ 7,472 December 31, 2020 Commercial, financial and agricultural $ 4,576 $ 2,018 $ 5,652 $ 12,246 $ 1,615,231 $ 1,627,477 $ — Consumer installment 2,189 1,114 2,318 5,621 301,374 306,995 1,755 Indirect automobile 3,293 1,006 2,171 6,470 573,613 580,083 — Mortgage warehouse — — — — 916,353 916,353 — Municipal — — — — 659,403 659,403 — Premium finance 7,188 3,895 6,571 17,654 670,187 687,841 6,571 Real estate – construction and development 13,348 723 5,150 19,221 1,587,489 1,606,710 — Real estate – commercial and farmland 5,370 1,701 8,651 15,722 5,284,284 5,300,006 — Real estate – residential 20,519 3,125 34,081 57,725 2,738,332 2,796,057 — Total $ 56,483 $ 13,582 $ 64,594 $ 134,659 $ 14,346,266 $ 14,480,925 $ 8,326
Summary of Impaired Financial Receivables	The following table presents an analysis of individually evaluated collateral-dependent financial assets and related allowance for credit losses: September 30, 2021 December 31, 2020 (dollars in thousands) Balance Allowance for Credit Losses Balance Allowance for Credit Losses Commercial, financial and agricultural $ 2,870 $ 704 $ 5,490 $ 2,252 Premium finance 2,315 97 3,523 — Real estate – construction and development 1,316 212 4,173 512 Real estate – commercial and farmland 50,744 10,161 100,180 21,001 Real estate – residential 14,633 2,124 9,716 891 $ 71,878 $ 13,298 $ 123,082 $ 24,656
Summary of Credit Quality Indicate Financial Receivable	The following tables present the loan portfolio's amortized cost by class of financing receivable, risk grade and year of origination (in thousands) as of September 30, 2021 and December 31, 2020. Generally, current period renewals of credit are underwritten again at the point of renewal and considered current period originations for purposes of the tables below. The Company had an immaterial amount of revolving loans which converted to term loans and the amortized cost basis of those loans is included in the applicable origination year. There were no loans risk graded 9 at September 30, 2021 or December 31, 2020. As of September 30, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Commercial, Financial and Agricultural Risk Grade: Pass $ 527,587 $ 158,865 $ 99,010 $ 75,973 $ 42,009 $ 40,557 $ 244,459 $ 1,188,460 6 36 776 527 445 439 3,381 1,439 7,043 7 722 510 3,851 2,151 2,644 5,051 7,143 22,072 Total commercial, financial and agricultural $ 528,345 $ 160,151 $ 103,388 $ 78,569 $ 45,092 $ 48,989 $ 253,041 $ 1,217,575 Consumer Installment Risk Grade: Pass $ 32,105 $ 69,866 $ 42,133 $ 30,626 $ 11,439 $ 11,851 $ 7,532 $ 205,552 6 — — — — — 138 6 144 7 5 253 329 219 53 473 83 1,415 Total consumer installment $ 32,110 $ 70,119 $ 42,462 $ 30,845 $ 11,492 $ 12,462 $ 7,621 $ 207,111 Indirect Automobile Risk Grade: Pass $ — $ — $ 23,803 $ 118,811 $ 110,168 $ 70,808 $ — $ 323,590 6 — — — 27 28 66 — 121 7 — — 36 159 264 887 — 1,346 Total indirect automobile $ — $ — $ 23,839 $ 118,997 $ 110,460 $ 71,761 $ — $ 325,057 Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 768,577 $ 768,577 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 768,577 $ 768,577 Municipal Risk Grade: Pass $ 42,565 $ 227,256 $ 14,911 $ 5,753 $ 141,822 $ 192,123 $ — $ 624,430 Total municipal $ 42,565 $ 227,256 $ 14,911 $ 5,753 $ 141,822 $ 192,123 $ — $ 624,430 Premium Finance Risk Grade: Pass $ 820,843 $ 13,411 $ 175 $ — $ 414 $ 13 $ — $ 834,856 7 3,582 2,298 1 — — — — 5,881 Total premium finance $ 824,425 $ 15,709 $ 176 $ — $ 414 $ 13 $ — $ 840,737 Real Estate – Construction and Development Risk Grade: Pass $ 629,733 $ 411,682 $ 234,740 $ 55,995 $ 39,464 $ 49,180 $ 27,024 $ 1,447,818 6 — — — — — 1,853 — 1,853 7 774 142 169 2,203 631 1,234 — 5,153 Total real estate – construction and development $ 630,507 $ 411,824 $ 234,909 $ 58,198 $ 40,095 $ 52,267 $ 27,024 $ 1,454,824 As of September 30, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Real Estate – Commercial and Farmland Risk Grade: Pass $ 1,471,281 $ 1,254,639 $ 1,118,208 $ 592,121 $ 522,226 $ 1,208,209 $ 85,462 $ 6,252,146 6 462 — 6,317 14,835 21,200 26,354 1,640 70,808 7 1,977 2,679 10,915 18,769 5,540 46,847 23 86,750 Total real estate – commercial and farmland $ 1,473,720 $ 1,257,318 $ 1,135,440 $ 625,725 $ 548,966 $ 1,281,410 $ 87,125 $ 6,409,704 Real Estate - Residential Risk Grade: Pass $ 891,155 $ 691,763 $ 367,862 $ 169,881 $ 121,410 $ 456,393 $ 218,163 $ 2,916,627 6 806 67 1,156 586 445 4,590 139 7,789 7 791 7,313 14,296 8,787 4,089 14,742 2,090 52,108 Total real estate - residential $ 892,752 $ 699,143 $ 383,314 $ 179,254 $ 125,944 $ 475,725 $ 220,392 $ 2,976,524 As of December 31, 2020 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2020 2019 2018 2017 2016 Prior Total Commercial, Financial and Agricultural Risk Grade: Pass $ 1,031,173 $ 134,604 $ 97,815 $ 64,573 $ 23,852 $ 38,744 $ 209,214 $ 1,599,975 6 21 72 506 193 3,509 1,232 632 6,165 7 3,312 3,460 2,579 3,573 1,294 5,214 1,886 21,318 8 — — — — — — 19 19 Total commercial, financial and agricultural $ 1,034,506 $ 138,136 $ 100,900 $ 68,339 $ 28,655 $ 45,190 $ 211,751 $ 1,627,477 Consumer Installment Risk Grade: Pass $ 142,803 $ 63,681 $ 57,644 $ 17,831 $ 4,674 $ 10,344 $ 8,662 $ 305,639 6 — 2 9 — — 145 — 156 7 30 209 72 105 134 553 97 1,200 Total consumer installment $ 142,833 $ 63,892 $ 57,725 $ 17,936 $ 4,808 $ 11,042 $ 8,759 $ 306,995 Indirect Automobile Risk Grade: Pass $ — $ 35,432 $ 187,737 $ 188,333 $ 108,926 $ 55,835 $ — $ 576,263 6 — — 57 70 62 85 — 274 7 — 163 519 561 1,078 1,225 — 3,546 Total indirect automobile $ — $ 35,595 $ 188,313 $ 188,964 $ 110,066 $ 57,145 $ — $ 580,083 Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 916,353 $ 916,353 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 916,353 $ 916,353 As of December 31, 2020 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2020 2019 2018 2017 2016 Prior Total Municipal Risk Grade: Pass $ 236,076 $ 13,398 $ 8,944 $ 149,194 $ 141,543 $ 110,248 $ — $ 659,403 Total municipal $ 236,076 $ 13,398 $ 8,944 $ 149,194 $ 141,543 $ 110,248 $ — $ 659,403 Premium Finance Risk Grade: Pass $ 661,614 $ 18,236 $ 515 $ 746 $ 121 $ 38 $ — $ 681,270 7 5,811 760 — — — — — 6,571 Total premium finance $ 667,425 $ 18,996 $ 515 $ 746 $ 121 $ 38 $ — $ 687,841 Real Estate – Construction and Development Risk Grade: Pass $ 666,193 $ 479,251 $ 221,926 $ 71,488 $ 35,799 $ 43,958 $ 69,974 $ 1,588,589 6 685 1,036 3,646 1,302 — 4,564 — 11,233 7 15 2,858 566 271 42 3,136 — 6,888 Total real estate – construction and development $ 666,893 $ 483,145 $ 226,138 $ 73,061 $ 35,841 $ 51,658 $ 69,974 $ 1,606,710 Real Estate – Commercial and Farmland Risk Grade: Pass $ 1,275,225 $ 995,273 $ 636,687 $ 611,823 $ 497,221 $ 925,534 $ 103,805 $ 5,045,568 6 — 10,680 4,895 28,139 7,670 31,224 — 82,608 7 250 54,439 18,574 15,489 27,044 55,763 271 171,830 Total real estate – commercial and farmland $ 1,275,475 $ 1,060,392 $ 660,156 $ 655,451 $ 531,935 $ 1,012,521 $ 104,076 $ 5,300,006 Real Estate - Residential Risk Grade: Pass $ 782,834 $ 551,308 $ 273,917 $ 201,738 $ 170,951 $ 502,823 $ 252,787 $ 2,736,358 6 527 1,843 1,030 334 724 3,391 255 8,104 7 3,442 9,387 12,339 4,667 2,157 16,659 2,944 51,595 Total real estate - residential $ 786,803 $ 562,538 $ 287,286 $ 206,739 $ 173,832 $ 522,873 $ 255,986 $ 2,796,057
Summary of Troubled Debt Restructurings by Loan Class	The following table presents the loans by class modified as troubled debt restructurings which occurred during the three and nine months ended September 30, 2021 and 2020. These modifications did not have a material impact on the Company’s allowance for credit losses. Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 Loan Class # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural — $ — 1 $ 9 6 $ 532 2 $ 725 Consumer installment — — — — 2 7 4 15 Indirect automobile — — 530 3,171 — — 530 3,170 Real estate – construction and development — — — — — — 1 19 Real estate – commercial and farmland — — 20 86,773 5 16,257 21 86,788 Real estate – residential 9 1,818 14 2,609 21 3,270 91 12,692 Total 9 $ 1,818 565 $ 92,562 34 $ 20,066 649 $ 103,409
Troubled Debt Restructurings on Financing Receivable Payment Default	The following table presents the outstanding balance of troubled debt restructurings by class that defaulted (defined as 30 days past due) during the three and nine months ended September 30, 2021 and 2020. These defaults did not have a material impact on the Company's allowance for credit losses. Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 Loan Class # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 1 $ 1 — $ — 1 $ 1 1 $ 198 Consumer installment 1 1 — — 1 1 4 3 Indirect automobile 4 23 — — 16 76 — — Real estate – construction and development — — 1 403 — — 3 689 Real estate – commercial and farmland — — 1 50 — — 3 726 Real estate – residential 4 489 12 957 15 1,111 16 1,142 Total 10 $ 514 14 $ 1,410 33 $ 1,189 27 $ 2,758
Summary of Troubled Debt Restructuring by Loan Class, Classified Separately under Restructured Terms	The following table presents the amount of troubled debt restructurings by loan class classified separately as accrual and nonaccrual at September 30, 2021 and December 31, 2020: September 30, 2021 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 14 $ 1,683 7 $ 112 Consumer installment 8 22 19 38 Indirect automobile 282 1,284 52 297 Real estate – construction and development 5 887 3 271 Real estate – commercial and farmland 27 43,895 7 6,715 Real estate – residential 227 29,521 30 2,687 Total 563 $ 77,292 118 $ 10,120 December 31, 2020 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 9 $ 521 11 $ 849 Consumer installment 10 32 20 56 Indirect automobile 437 2,277 51 461 Real estate – construction and development 4 506 5 707 Real estate – commercial and farmland 28 36,707 7 1,401 Real estate – residential 264 38,800 34 2,671 Total 752 $ 78,843 128 $ 6,145
Financing Receivable, Schedule Of Short-Term Deferrals	The table below presents short-term deferrals related to the COVID-19 pandemic that were not considered TDRs. September 30, 2021 December 31, 2020 (dollars in thousands) COVID-19 Deferrals Deferrals as a % of total loans COVID-19 Deferrals Deferrals as a % of total loans Commercial, financial and agricultural $ 755 0.1 % $ 12,471 0.8 % Consumer installment — — % 1,418 0.5 % Indirect automobile 1,302 0.4 % 8,936 1.5 % Real estate – construction and development — — % 11,049 0.7 % Real estate – commercial and farmland 26,128 0.4 % 179,183 3.4 % Real estate – residential 48,340 1.6 % 119,722 4.3 % $ 76,525 0.5 % $ 332,779 2.3 %
Schedule of Allowances for Loan Losses by Portfolio Segment	The following tables detail activity and end of period balances in the allowance for credit losses by portfolio segment for the periods indicated. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. Three Months Ended September 30, 2021 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, June 30, 2021 $ 6,889 $ 7,824 $ 1,080 $ 3,365 $ 777 $ 4,539 Provision for loan losses (1,471) 3,063 (268) (287) (27) (456) Loans charged off (858) (1,647) (178) — — (605) Recoveries of loans previously charged off 1,986 199 278 — — 649 Balance, September 30, 2021 $ 6,546 $ 9,439 $ 912 $ 3,078 $ 750 $ 4,127 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, June 30, 2021 $ 18,999 $ 88,338 $ 43,259 $ 175,070 Provision for loan losses (6,423) 87 1,798 (3,984) Loans charged off — (210) (39) (3,537) Recoveries of loans previously charged off 45 266 241 3,664 Balance, September 30, 2021 $ 12,621 $ 88,481 $ 45,259 $ 171,213 Nine Months Ended September 30, 2021 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2020 $ 7,359 $ 4,076 $ 1,929 $ 3,666 $ 791 $ 3,879 Provision for loan losses 2,606 9,360 (1,219) (588) (41) (847) Loans charged off (6,757) (4,764) (1,148) — — (3,142) Recoveries of loans previously charged off 3,338 767 1,350 — — 4,237 Balance, September 30, 2021 $ 6,546 $ 9,439 $ 912 $ 3,078 $ 750 $ 4,127 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2020 $ 45,304 $ 88,894 $ 43,524 $ 199,422 Provision for loan losses (32,767) 727 1,307 (21,462) Loans charged off (212) (1,632) (594) (18,249) Recoveries of loans previously charged off 296 492 1,022 11,502 Balance, September 30, 2021 $ 12,621 $ 88,481 $ 45,259 $ 171,213 Three Months Ended September 30, 2020 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, June 30, 2020 $ 7,938 $ 20,085 $ 3,381 $ 1,498 $ 507 $ 8,198 Provision for loan losses 5,533 (3,693) 322 498 365 (2,316) Loans charged off (1,715) (677) (697) — — (1,159) Recoveries of loans previously charged off 470 516 317 — — 1,224 Balance, September 30, 2020 $ 12,226 $ 16,231 $ 3,323 $ 1,996 $ 872 $ 5,947 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, June 30, 2020 $ 54,266 $ 83,593 $ 29,327 $ 208,793 Provision for loan losses (10,208) 18,419 17,772 26,692 Loans charged off (9) (2,977) (137) (7,371) Recoveries of loans previously charged off 182 904 197 3,810 Balance, September 30, 2020 $ 44,231 $ 99,939 $ 47,159 $ 231,924 Nine Months Ended September 30, 2020 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2019 $ 4,567 $ 3,784 $ — $ 640 $ 484 $ 2,550 Adjustment to allowance for adoption of ASC 326 2,587 8,012 4,109 463 (92) 4,471 Provision for loan losses 8,624 5,943 1,138 893 480 235 Loans charged off (4,687) (2,781) (2,944) — — (3,893) Recoveries of loans previously charged off 1,135 1,273 1,020 — — 2,584 Balance, September 30, 2020 $ 12,226 $ 16,231 $ 3,323 $ 1,996 $ 872 $ 5,947 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2019 $ 5,995 $ 9,666 $ 10,503 $ 38,189 Adjustment to allowance for adoption of ASC 326 12,248 27,073 19,790 78,661 Provision for loan losses 25,379 72,410 17,086 132,188 Loans charged off (83) (10,220) (762) (25,370) Recoveries of loans previously charged off 692 1,010 542 8,256 Balance, September 30, 2020 $ 44,231 $ 99,939 $ 47,159 $ 231,924

SECURITIES SOLD UNDER AGREEME_2

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Tables)	9 Months Ended
	Sep. 30, 2021
Investments, Debt and Equity Securities [Abstract]
Summary of Securities Sold Under Repurchase Agreements	The following is a summary of the Company’s securities sold under agreements to repurchase at September 30, 2021 and December 31, 2020: (dollars in thousands) September 30, 2021 December 31, 2020 Securities sold under agreements to repurchase $ 4,502 $ 11,641

OTHER BORROWINGS (Tables)

OTHER BORROWINGS (Tables)	9 Months Ended
	Sep. 30, 2021
Debt Disclosure [Abstract]
Schedule of Other Borrowings	Other borrowings consist of the following: (dollars in thousands) September 30, 2021 December 31, 2020 FHLB borrowings: Fixed Rate Advance due March 3, 2025; fixed interest rate of 1.208% $ 15,000 $ 15,000 Fixed Rate Advance due March 2, 2027; fixed interest rate of 1.445% 15,000 15,000 Fixed Rate Advance due March 4, 2030; fixed interest rate of 1.606% 15,000 15,000 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 1,403 1,411 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 971 977 Principal Reducing Advance due September 29, 2031; fixed interest rate of 3.095% 1,457 1,567 Subordinated notes payable: Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $714 and $812, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616% 74,286 74,188 Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $1,983 and $2,165, respectively; fixed interest rate of 4.25% through December 14, 2024; variable interest rate thereafter at three-month SOFR plus 2.94% 118,017 117,835 Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $1,058 and $1,150, respectively; fixed interest rate of 5.875% through May 31, 2025; variable interest rate thereafter at three-month LIBOR plus 3.63% 76,058 76,150 Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,817 and $1,973, respectively; fixed interest rate of 3.875% through September 30, 2025; variable interest rate thereafter at three-month SOFR plus 3.753% 108,183 108,027 $ 425,375 $ 425,155

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	9 Months Ended
	Sep. 30, 2021
Equity [Abstract]
Summary of Accumulated Other Comprehensive Income (Loss)	The following table presents a summary of the accumulated other comprehensive income balances as well as changes in each of the respective components, net of tax, for the periods indicated: (dollars in thousands) Unrealized Unrealized Accumulated Other Comprehensive Income Three Months Ended September 30, 2021 Balance, June 30, 2021 $ — $ 25,024 $ 25,024 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax — (3,139) (3,139) Balance, September 30, 2021 $ — $ 21,885 $ 21,885 Three Months Ended September 30, 2020 Balance, June 30, 2020 $ (133) $ 39,746 $ 39,613 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax 133 (2,494) (2,361) Balance, September 30, 2020 $ — $ 37,252 $ 37,252 Nine Months Ended September 30, 2021 Balance, December 31, 2020 $ — $ 33,505 $ 33,505 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax — (11,620) (11,620) Balance, September 30, 2021 $ — $ 21,885 $ 21,885 Nine Months Ended September 30, 2020 Balance, December 31, 2019 $ (147) $ 18,142 $ 17,995 Reclassification for gains included in net income, net of tax — — — Current year changes, net of tax 147 19,110 19,257 Balance, September 30, 2020 $ — $ 37,252 $ 37,252

WEIGHTED AVERAGE SHARES OUTST_2

WEIGHTED AVERAGE SHARES OUTSTANDING (Tables)	9 Months Ended
	Sep. 30, 2021
Earnings Per Share [Abstract]
Summary of Weighted Average Number of Shares	Earnings per share have been computed based on the following weighted average number of common shares outstanding: Three Months Ended Nine Months Ended (share data in thousands) 2021 2020 2021 2020 Average common shares outstanding 69,440 69,231 69,445 69,243 Common share equivalents: Stock options 49 5 65 22 Nonvested restricted share grants 142 85 143 122 Performance stock units 125 25 119 16 Average common shares outstanding, assuming dilution 69,756 69,346 69,772 69,403

FAIR VALUE MEASURES (Tables)

FAIR VALUE MEASURES (Tables)	9 Months Ended
	Sep. 30, 2021
Fair Value Disclosures [Abstract]
Loans Held For Sale Fair Value	The Company's loans held for sale under the fair value option are comprised of the following: (dollars in thousands) September 30, 2021 December 31, 2020 Mortgage loans held for sale $ 1,430,695 $ 998,050 SBA loans held for sale 5,110 3,757 Total loans held for sale $ 1,435,805 $ 1,001,807
Difference Between Fair Value and Principal Balance for Mortgage Loans Held for Sale Measured at Fair Value	The following table summarizes the difference between the fair value and the principal balance for mortgage loans held for sale measured at fair value as of September 30, 2021 and December 31, 2020: (dollars in thousands) September 30, 2021 December 31, 2020 Aggregate fair value of mortgage loans held for sale $ 1,430,695 $ 998,050 Aggregate unpaid principal balance of mortgage loans held for sale 1,389,380 947,460 Past-due loans of 90 days or more 152 — Nonaccrual loans 152 — Unpaid principal balance of nonaccrual loans 149 — The following table summarizes the difference between the fair value and the principal balance for SBA loans held for sale measured at fair value as of September 30, 2021 and December 31, 2020: (dollars in thousands) September 30, 2021 December 31, 2020 Aggregate fair value of SBA loans held for sale $ 5,110 $ 3,757 Aggregate unpaid principal balance of SBA loans held for sale 4,446 3,393 Past-due loans of 90 days or more — — Nonaccrual loans — —
Fair Value Measurements of Assets and Liabilities Measured on Recurring Basis	The following table presents the fair value measurements of assets and liabilities measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall as of September 30, 2021 and December 31, 2020: Recurring Basis September 30, 2021 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. government sponsored agencies $ 12,252 $ — $ 12,252 $ — State, county and municipal securities 54,216 — 54,216 — Corporate debt securities 33,998 — 32,618 1,380 SBA pool securities 47,917 — 47,917 — Mortgage-backed securities 536,121 — 536,121 — Loans held for sale 1,435,805 — 1,435,805 — Mortgage banking derivative instruments 25,063 — 25,063 — Total recurring assets at fair value $ 2,145,372 $ — $ 2,143,992 $ 1,380 Recurring Basis December 31, 2020 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. government sponsored agencies $ 17,504 $ — $ 17,504 $ — State, county and municipal securities 66,778 — 66,778 — Corporate debt securities 51,896 — 50,726 1,170 SBA pool securities 62,497 — 62,497 — Mortgage-backed securities 784,204 — 784,204 — Loans held for sale 1,001,807 — 1,001,807 — Mortgage banking derivative instruments 51,756 — 51,756 — Total recurring assets at fair value $ 2,036,442 $ — $ 2,035,272 $ 1,170 Financial liabilities: Mortgage banking derivative instruments $ 16,415 $ — $ 16,415 $ — Total recurring liabilities at fair value $ 16,415 $ — $ 16,415 $ —
Summary of Fair Value Measurements of Assets Measured at Fair Value on Non-Recurring Basis	The following table presents the fair value measurements of assets measured at fair value on a non-recurring basis, as well as the general classification of such instruments pursuant to the valuation hierarchy as of September 30, 2021 and December 31, 2020: Nonrecurring Basis (dollars in thousands) Fair Value Level 1 Level 2 Level 3 September 30, 2021 Collateral-dependent loans $ 58,580 $ — $ — $ 58,580 Other real estate owned 81 — — 81 Mortgage servicing rights 188,506 — — 188,506 Total nonrecurring assets at fair value $ 247,167 $ — $ — $ 247,167 December 31, 2020 Collateral-dependent loans $ 98,426 $ — $ — $ 98,426 Other real estate owned 4,964 — — 4,964 Mortgage servicing rights 130,630 — — 130,630 SBA servicing rights 5,839 — 5,839 — Total nonrecurring assets at fair value $ 239,859 $ — $ 5,839 $ 234,020
Summary of Significant Unobservable Inputs Used in Fair Value Measurement of Level 3 Assets and Liabilities	The following table shows significant unobservable inputs used in the fair value measurement of Level 3 assets: (dollars in thousands) Fair Value Valuation Unobservable Inputs Range of Weighted September 30, 2021 Recurring: Investment securities available-for-sale $ 1,380 Discounted par values Discount rate 8.0% 8.0% Nonrecurring: Collateral-dependent loans $ 58,580 Third-party appraisals and discounted cash flows Collateral discounts and 20% - 90% 44% Other real estate owned $ 81 Third-party appraisals and sales contracts Collateral discounts and estimated 76% 76% Mortgage servicing rights $ 188,506 Discounted cash flows Discount rate 9% - 10% 9% Prepayment speed 10% - 38% 12% (dollars in thousands) Fair Value Valuation Unobservable Inputs Range of Weighted December 31, 2020 Recurring: Investment securities available-for-sale $ 1,170 Discounted par values Probability of default 18.8% 18.8% Loss given default 40% 40% Nonrecurring: Collateral-dependent loans $ 98,426 Third-party appraisals and discounted cash flows Collateral discounts and 20% - 90% 44% Other real estate owned $ 4,964 Third-party appraisals and sales contracts Collateral discounts and estimated 15% - 59% 28% Mortgage servicing rights $ 130,630 Discounted cash flows Discount rate 9% - 12% 10% Prepayment speed 14% - 37% 19%
Carrying Amount and Estimated Fair Value of Financial Instruments	The carrying amount and estimated fair value of the Company’s financial instruments, not shown elsewhere in these financial statements, were as follows: Fair Value Measurements September 30, 2021 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 239,028 $ 239,028 $ — $ — $ 239,028 Federal funds sold and interest-bearing accounts 3,513,412 3,513,412 — — 3,513,412 Investment securities held-to-maturity 64,451 — 63,304 — 63,304 Loans, net 14,594,746 — — 14,574,784 14,574,784 Accrued interest receivable 59,957 — 2,991 56,966 59,957 Financial liabilities: Deposits 18,833,489 — 18,836,507 — 18,836,507 Securities sold under agreements to repurchase 4,502 4,502 — — 4,502 Other borrowings 425,375 — 430,037 — 430,037 Subordinated deferrable interest debentures 125,830 — 117,283 — 117,283 Accrued interest payable 6,356 — 6,356 — 6,356 Fair Value Measurements December 31, 2020 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 203,349 $ 203,349 $ — $ — $ 203,349 Federal funds sold and interest-bearing accounts 1,913,957 1,913,957 — — 1,913,957 Time deposits in other banks 249 — 249 — 249 Investment securities held-to-maturity — — — — — Loans, net 14,183,077 — — 14,096,711 14,096,711 Accrued interest receivable 76,254 — 3,567 72,687 76,254 Financial liabilities: Deposits 16,957,823 — 16,968,606 — 16,968,606 Securities sold under agreements to repurchase 11,641 11,641 — — 11,641 Other borrowings 425,155 — 431,783 — 431,783 Subordinated deferrable interest debentures 124,345 — 116,280 — 116,280 Accrued interest payable 5,487 — 5,487 — 5,487

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	9 Months Ended
	Sep. 30, 2021
Commitments and Contingencies Disclosure [Abstract]
Schedule of Guarantor Obligations	A summary of the Company’s commitments is as follows: (dollars in thousands) September 30, 2021 December 31, 2020 Commitments to extend credit $ 3,783,300 $ 2,826,719 Unused home equity lines of credit 265,963 259,015 Financial standby letters of credit 33,259 33,613 Mortgage interest rate lock commitments 592,061 1,199,939
Schedule of Allowance for Credit Loss for Unfunded Commitments	The following table presents activity in the allowance for unfunded commitments for the periods presented: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2021 2020 2021 2020 Balance at beginning of period $ 22,314 $ 37,503 $ 32,854 $ 1,077 Adjustment to reflect adoption of ASC 326 — — — 12,714 Provision for unfunded commitments (5,516) (10,131) (16,056) 13,581 Balance at end of period $ 16,798 $ 27,372 $ 16,798 $ 27,372

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	9 Months Ended
	Sep. 30, 2021
Segment Reporting [Abstract]
Schedule of Segment Reporting, by Reportable Business Segments	The following tables present selected financial information with respect to the Company’s reportable business segments for the three and nine months ended September 30, 2021 and 2020: Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 110,708 $ 33,390 $ 9,093 $ 11,986 $ 7,869 $ 173,046 Interest expense (2,816) 12,101 381 1,287 432 11,385 Net interest income 113,524 21,289 8,712 10,699 7,437 161,661 Provision for credit losses (9,578) 1,678 (291) (1,104) (380) (9,675) Noninterest income 17,896 55,555 1,037 2,070 4 76,562 Noninterest expense Salaries and employee benefits 40,020 36,373 264 1,320 1,694 79,671 Occupancy and equipment 10,196 1,590 — 116 77 11,979 Data processing and communications expenses 9,159 1,357 59 18 88 10,681 Other expenses 21,723 11,675 200 370 897 34,865 Total noninterest expense 81,098 50,995 523 1,824 2,756 137,196 Income before income tax expense 59,900 24,171 9,517 12,049 5,065 110,702 Income tax expense 17,784 5,076 1,999 2,530 1,633 29,022 Net income $ 42,116 $ 19,095 $ 7,518 $ 9,519 $ 3,432 $ 81,680 Total assets $ 16,070,583 $ 4,247,967 $ 740,809 $ 529,044 $ 944,738 $ 22,533,141 Goodwill 863,507 — — — 64,498 928,005 Other intangible assets, net 47,768 — — — 12,628 60,396 Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 123,593 $ 31,040 $ 6,844 $ 10,958 $ 7,499 $ 179,934 Interest expense 4,031 10,647 298 1,992 428 17,396 Net interest income 119,562 20,393 6,546 8,966 7,071 162,538 Provision for credit losses 487 15,051 495 4,297 (2,648) 17,682 Noninterest income 15,265 137,583 1,064 5,106 — 159,018 Noninterest expense Salaries and employee benefits 39,718 53,500 266 1,572 1,642 96,698 Occupancy and equipment 11,955 1,676 1 97 76 13,805 Data processing and communications expenses 9,716 2,349 73 4 84 12,226 Other expenses 21,517 7,889 28 595 934 30,963 Total noninterest expense 82,906 65,414 368 2,268 2,736 153,692 Income (loss) before income tax expense 51,434 77,511 6,747 7,507 6,983 150,182 Income tax expense (benefit) 13,453 16,112 1,431 1,577 1,464 34,037 Net income (loss) $ 37,981 $ 61,399 $ 5,316 $ 5,930 $ 5,519 $ 116,145 Total assets $ 13,098,562 $ 3,632,999 $ 1,002,027 $ 1,338,794 $ 801,469 $ 19,873,851 Goodwill 863,507 — — — 64,498 928,005 Other intangible assets, net 60,568 — — — 15,596 76,164 Nine Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 332,347 $ 97,674 $ 28,408 $ 44,070 $ 22,248 $ 524,747 Interest expense (4,663) 34,868 1,070 3,854 1,128 36,257 Net interest income 337,010 62,806 27,338 40,216 21,120 488,490 Provision for credit losses (37,431) 2,772 (591) (2,258) (616) (38,124) Noninterest income 50,805 222,250 3,350 7,358 12 283,775 Noninterest expense Salaries and employee benefits 120,557 131,009 872 3,639 5,084 261,161 Occupancy and equipment 29,366 4,619 2 354 231 34,572 Data processing and communications expenses 29,640 4,338 176 19 269 34,442 Other expenses 60,196 27,502 263 949 2,670 91,580 Total noninterest expense 239,759 167,468 1,313 4,961 8,254 421,755 Income before income tax expense 185,487 114,816 29,966 44,871 13,494 388,634 Income tax expense 50,436 24,111 6,293 9,423 3,402 93,665 Net income $ 135,051 $ 90,705 $ 23,673 $ 35,448 $ 10,092 $ 294,969 Nine Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 384,547 $ 99,165 $ 16,979 $ 23,443 $ 23,586 $ 547,720 Interest expense 26,280 36,714 2,105 5,262 3,062 73,423 Net interest income 358,267 62,451 14,874 18,181 20,524 474,297 Provision for credit losses 123,289 17,471 889 5,716 (475) 146,890 Noninterest income 47,506 276,147 2,751 7,953 — 334,357 Noninterest expense Salaries and employee benefits 121,762 134,600 685 5,660 5,105 267,812 Occupancy and equipment 33,981 5,133 3 291 232 39,640 Data processing and communications expenses 29,432 4,741 169 32 320 34,694 Other expenses 80,159 20,713 150 1,469 2,876 105,367 Total noninterest expense 265,334 165,187 1,007 7,452 8,533 447,513 Income (loss) before income tax expense 17,150 155,940 15,729 12,966 12,466 214,251 Income tax expense (benefit) 5,146 32,751 3,317 2,723 2,611 46,548 Net income (loss) $ 12,004 $ 123,189 $ 12,412 $ 10,243 $ 9,855 $ 167,703

LOAN SERVICING RIGHTS (Tables)

LOAN SERVICING RIGHTS (Tables)	9 Months Ended
	Sep. 30, 2021
Transfers and Servicing [Abstract]
Schedule of Carrying Value of Loan Servicing Rights Assets	The carrying value of the loan servicing rights assets is shown in the table below: (dollars in thousands) September 30, 2021 December 31, 2020 Loan Servicing Rights Residential mortgage $ 188,506 $ 130,630 SBA 5,833 5,839 Indirect automobile — 73 Total loan servicing rights $ 194,339 $ 136,542 The table below is an analysis of the activity in the Company’s MSRs and valuation allowance: (dollars in thousands) Three Months Ended September 30, Nine Months Ended September 30, Residential mortgage servicing rights 2021 2020 2021 2020 Beginning carrying value, net $ 191,675 $ 91,381 $ 130,630 $ 94,902 Additions 6,195 30,376 71,439 65,735 Amortization (7,967) (6,231) (22,648) (16,084) Recoveries/(impairment) (1,397) (1,130) 9,085 (30,157) Ending carrying value, net $ 188,506 $ 114,396 $ 188,506 $ 114,396 (dollars in thousands) Three Months Ended September 30, Nine Months Ended September 30, Residential mortgage servicing valuation allowance 2021 2020 2021 2020 Beginning balance $ 28,925 $ 29,131 $ 39,407 $ 104 Additions 1,397 1,130 1,397 30,157 Recoveries — — (10,482) — Ending balance $ 30,322 $ 30,261 $ 30,322 $ 30,261 The table below is an analysis of the activity in the Company’s SBA loan servicing rights and valuation allowance: (dollars in thousands) Three Months Ended September 30, Nine Months Ended September 30, SBA servicing rights 2021 2020 2021 2020 Beginning carrying value, net $ 6,123 $ 5,241 $ 5,839 $ 7,886 Additions 265 499 736 974 Purchase accounting adjustment — — — (1,214) Amortization (555) (396) (1,647) (1,175) Recoveries/(impairment) — 718 905 (409) Ending carrying value, net $ 5,833 $ 6,062 $ 5,833 $ 6,062 (dollars in thousands) Three Months Ended September 30, Nine Months Ended September 30, SBA servicing valuation allowance 2021 2020 2021 2020 Beginning balance $ — $ 1,268 $ 905 $ 141 Additions — — — 409 Recoveries — (718) (905) — Ending balance $ — $ 550 $ — $ 550 (dollars in thousands) Three Months Ended September 30, Nine Months Ended September 30, Indirect automobile servicing rights 2021 2020 2021 2020 Beginning carrying value, net $ — $ 162 $ 73 $ 247 Amortization — (45) (73) (130) Ending carrying value, net $ — $ 117 $ — $ 117
Schedule of Sensitivity of Fair Value to Adverse Changes in Model Inputs and/or Assumptions	The key metrics and the sensitivity of the fair value to adverse changes in model inputs and/or assumptions are summarized below: (dollars in thousands) September 30, 2021 December 31, 2020 Residential mortgage servicing rights Unpaid principal balance of loans serviced for others $ 15,994,406 $ 13,764,529 Composition of residential loans serviced for others: FHLMC 21.86 % 21.55 % FNMA 60.05 % 61.75 % GNMA 18.09 % 16.70 % Total 100.00 % 100.00 % Weighted average term (months) 341 340 Weighted average age (months) 20 20 Modeled prepayment speed 12.46 % 18.82 % Decline in fair value due to a 10% adverse change (8,334) (7,154) Decline in fair value due to a 20% adverse change (16,035) (13,664) Weighted average discount rate 8.77 % 9.50 % Decline in fair value due to a 10% adverse change (6,503) (4,304) Decline in fair value due to a 20% adverse change (12,565) (8,321) (dollars in thousands) September 30, 2021 December 31, 2020 SBA servicing rights Unpaid principal balance of loans serviced for others $ 418,377 $ 351,325 Weighted average life (in years) 3.60 3.46 Modeled prepayment speed 18.10 % 19.14 % Decline in fair value due to a 10% adverse change (318) (335) Decline in fair value due to a 20% adverse change (606) (636) Weighted average discount rate 10.62 % 9.55 % Decline in fair value due to a 100 basis point adverse change (153) (151) Decline in fair value due to a 200 basis point adverse change (299) (295)

BASIS OF PRESENTATION AND ACC_3

BASIS OF PRESENTATION AND ACCOUNTING POLICIES - Narrative (Details) $ in Thousands	Sep. 30, 2021USD ($)branch	Dec. 31, 2020USD ($)	Mar. 26, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of branches operated | branch	165
Cash reserve required rate			0.00%
Reserve requirement | $	$ 0	$ 0

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized Cost and Estimated Fair Value of Investment Securities Available for Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 656,802		$ 940,580
Allowance for Credit Losses	0	$ (81)	(112)	$ (68)	$ 0	$ 0
Gross Unrealized Gains	27,894		42,854
Gross Unrealized Losses	(192)		(443)
Estimated Fair Value	684,504		982,879
U.S. government sponsored agencies
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	12,102		17,161
Allowance for Credit Losses	0		0
Gross Unrealized Gains	150		343
Gross Unrealized Losses	0		0
Estimated Fair Value	12,252		17,504
State, county and municipal securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	51,541		63,286
Allowance for Credit Losses	0		0
Gross Unrealized Gains	2,675		3,492
Gross Unrealized Losses	0		0
Estimated Fair Value	54,216		66,778
Corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	33,397		51,639
Allowance for Credit Losses	0		(112)
Gross Unrealized Gains	722		602
Gross Unrealized Losses	(121)		(233)
Estimated Fair Value	33,998		51,896
SBA pool securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	46,354		59,973
Allowance for Credit Losses	0		0
Gross Unrealized Gains	1,629		2,620
Gross Unrealized Losses	(66)		(96)
Estimated Fair Value	47,917		62,497
Mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	513,408		748,521
Allowance for Credit Losses	0		0
Gross Unrealized Gains	22,718		35,797
Gross Unrealized Losses	(5)		(114)
Estimated Fair Value	$ 536,121		$ 784,204

INVESTMENT SECURITIES - Amort_2

INVESTMENT SECURITIES - Amortized Cost and Estimated Fair Value of Securities Held-to-Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 64,451	$ 0
Gross Unrealized Gains	0
Gross Unrealized Losses	(1,147)
Estimated Fair Value	63,304	$ 0
State, county and municipal securities
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	3,905
Gross Unrealized Gains	0
Gross Unrealized Losses	(121)
Estimated Fair Value	3,784
Mortgage-backed securities
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	60,546
Gross Unrealized Gains	0
Gross Unrealized Losses	(1,026)
Estimated Fair Value	$ 59,520

INVESTMENT SECURITIES - Amort_3

INVESTMENT SECURITIES - Amortized Cost and Fair Value of Available for Sale Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Amortized Cost
Due in one year or less	$ 17,228
Due from one year to five years	34,212
Due from five to ten years	52,456
Due after ten years	39,498
Mortgage-backed securities	513,408
Amortized Cost	656,802	$ 940,580
Estimated Fair Value
Due in one year or less	17,357
Due from one year to five years	35,780
Due from five to ten years	54,242
Due after ten years	41,004
Mortgage-backed securities	536,121
Estimated Fair Value	684,504	982,879
Amortized Cost
Due in one year or less	0
Due from one year to five years	0
Due from five to ten years	0
Due after ten years	3,905
Mortgage-backed securities	60,546
Amortized Cost	64,451	0
Estimated Fair Value
Due in one year or less	0
Due from one year to five years	0
Due from five to ten years	0
Due after ten years	3,784
Mortgage-backed securities	59,520
Estimated Fair Value	$ 63,304	$ 0

INVESTMENT SECURITIES - Narrati

INVESTMENT SECURITIES - Narrative (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2021USD ($)	Sep. 30, 2021security	Sep. 30, 2021branch	Jun. 30, 2021USD ($)	Dec. 31, 2020USD ($)	Sep. 30, 2020USD ($)	Jun. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Debt Securities, Available-for-sale [Line Items]
Allowance for credit losses	$ 0			$ (81)	$ (112)	$ (68)	$ 0	$ 0
Unrealized losses	(192)				(443)
Expected credit losses	0
Debt securities, held-to-maturity, allowance for credit loss	0				0
Debt Securities | Available-for-sale Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in security portfolio | security		450
Number of securities in unrealized loss position | security		13
Debt Securities | Held-to-maturity Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in security portfolio | security		11
Number of securities in unrealized loss position | security		11
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises | Available-for-sale Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position		6	9
SBA pool securities
Debt Securities, Available-for-sale [Line Items]
Allowance for credit losses	0				0
Unrealized losses	(66)				(96)
SBA pool securities | Available-for-sale Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position | security		5
Corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Allowance for credit losses	0				(112)
Unrealized losses	(121)				(233)
Corporate debt securities | Available-for-sale Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position | security		2
Collateral Pledged
Debt Securities, Available-for-sale [Line Items]
Pledged securities, carrying value	$ 354,200				$ 438,700

INVESTMENT SECURITIES - Schedul

INVESTMENT SECURITIES - Schedule of Gross Unrealized Losses and Fair Value of Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Estimated Fair Value
Less than 12 months, estimated fair value	$ 3,034	$ 34,279
12 months or more, estimated fair value	4,271	3,950
Total estimated fair value	7,305	38,229
Unrealized Losses
Less than 12 months, unrealized losses	(5)	(347)
12 months or more, unrealized losses	(187)	(96)
Total unrealized losses	(192)	(443)
Corporate debt securities
Estimated Fair Value
Less than 12 months, estimated fair value	0	10,159
12 months or more, estimated fair value	1,380	0
Total estimated fair value	1,380	10,159
Unrealized Losses
Less than 12 months, unrealized losses	0	(233)
12 months or more, unrealized losses	(121)	0
Total unrealized losses	(121)	(233)
SBA pool securities
Estimated Fair Value
Less than 12 months, estimated fair value	0	0
12 months or more, estimated fair value	2,754	3,948
Total estimated fair value	2,754	3,948
Unrealized Losses
Less than 12 months, unrealized losses	0	0
12 months or more, unrealized losses	(66)	(96)
Total unrealized losses	(66)	(96)
Mortgage-backed securities
Estimated Fair Value
Less than 12 months, estimated fair value	3,034	24,120
12 months or more, estimated fair value	137	2
Total estimated fair value	3,171	24,122
Unrealized Losses
Less than 12 months, unrealized losses	(5)	(114)
12 months or more, unrealized losses	0	0
Total unrealized losses	$ (5)	$ (114)

INVESTMENT SECURITIES - Sched_2

INVESTMENT SECURITIES - Schedule of Held-to-Maturity Securities with Unrealized Losses (Details) $ in Thousands	Sep. 30, 2021USD ($)
Estimated Fair Value
Less than 12 months, estimated fair value	$ 63,304
12 months or more, estimated fair value	0
Total estimated fair value	63,304
Unrealized Losses
Less than 12 months, unrealized losses	(1,147)
12 months or more, unrealized losses	0
Total unrealized losses	(1,147)
State, county and municipal securities
Estimated Fair Value
Less than 12 months, estimated fair value	3,784
12 months or more, estimated fair value	0
Total estimated fair value	3,784
Unrealized Losses
Less than 12 months, unrealized losses	(121)
12 months or more, unrealized losses	0
Total unrealized losses	(121)
Mortgage-backed securities
Estimated Fair Value
Less than 12 months, estimated fair value	59,520
12 months or more, estimated fair value	0
Total estimated fair value	59,520
Unrealized Losses
Less than 12 months, unrealized losses	(1,026)
12 months or more, unrealized losses	0
Total unrealized losses	$ (1,026)

INVESTMENT SECURITIES - Sched_3

INVESTMENT SECURITIES - Schedule of Investments Available-for-sale, Allowance for Credit Loss (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Debt Securities, Available-for-sale, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 81	$ 0	$ 112	$ 0
Provision for expected credit losses	(81)	68	(112)	68
Ending balance	$ 0	$ 68	$ 0	$ 68

INVESTMENT SECURITIES - Sched_4

INVESTMENT SECURITIES - Schedule of Gain on Securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Unrealized holding gains (losses) on equity securities	$ (2)	$ 0	$ (13)	$ 5
Net realized gains on sales of other investments	532	0	532	0
Total gain on securities	$ 530	$ 0	$ 519	$ 5

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 14,824,539	$ 14,480,925
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,217,575	1,627,477
Consumer installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	207,111	306,995
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	325,057	580,083
Mortgage warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	768,577	916,353
Municipal
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	624,430	659,403
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	840,737	687,841
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,454,824	1,606,710
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	6,409,704	5,300,006
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 2,976,524	$ 2,796,057

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Deferred interest on loans, allowance for credit losses	$ 224		$ 718
Interest income on nonaccrual loans	0	$ 0
Loans modified that are not troubled debt restructurings	322,800	313,600
COVID-19 deferrals	$ 76,525		332,779
Maximum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Payment modification term	9 months
Loan Receivables
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrued interest receivable	$ 57,200		73,400
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
COVID-19 deferrals	755		12,471
Payment Protection Plan Loans | Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	280,400		827,400
Loans Excluding Purchased Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Troubled debt restructuring	87,400		85,000
Troubled debt restructurings, previous charge-offs, excluding purchased loans	654	$ 1,200
Allowance for loan losses allocated to troubled debt restructuring	$ 14,300		$ 13,000

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans Accounted for on a Nonaccrual Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	$ 58,932	$ 76,457
Financing receivable, nonaccrual, no allowance	7,124	13,494
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	5,709	9,836
Financing receivable, nonaccrual, no allowance	221	764
Consumer installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	462	709
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	1,002	2,831
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	1,564	5,407
Financing receivable, nonaccrual, no allowance	323	416
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	17,459	18,517
Financing receivable, nonaccrual, no allowance	2,815	7,015
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	32,736	39,157
Financing receivable, nonaccrual, no allowance	$ 3,765	$ 5,299

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Analysis of Past-Due Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Total Loans	$ 14,824,539	$ 14,480,925
Loans 90 Days or More Past Due and Still Accruing	7,472	8,326
Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	110,052	134,659
Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	46,803	56,483
Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	17,180	13,582
Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	46,069	64,594
Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	14,714,487	14,346,266
Commercial, financial and agricultural
Financing Receivable, Past Due [Line Items]
Total Loans	1,217,575	1,627,477
Loans 90 Days or More Past Due and Still Accruing	2	0
Commercial, financial and agricultural | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	5,900	12,246
Commercial, financial and agricultural | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	2,271	4,576
Commercial, financial and agricultural | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	1,569	2,018
Commercial, financial and agricultural | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	2,060	5,652
Commercial, financial and agricultural | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	1,211,675	1,615,231
Consumer installment
Financing Receivable, Past Due [Line Items]
Total Loans	207,111	306,995
Loans 90 Days or More Past Due and Still Accruing	569	1,755
Consumer installment | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	3,263	5,621
Consumer installment | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	1,549	2,189
Consumer installment | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	804	1,114
Consumer installment | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	910	2,318
Consumer installment | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	203,848	301,374
Indirect automobile
Financing Receivable, Past Due [Line Items]
Total Loans	325,057	580,083
Loans 90 Days or More Past Due and Still Accruing	0	0
Indirect automobile | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	1,498	6,470
Indirect automobile | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	699	3,293
Indirect automobile | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	284	1,006
Indirect automobile | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	515	2,171
Indirect automobile | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	323,559	573,613
Mortgage warehouse
Financing Receivable, Past Due [Line Items]
Total Loans	768,577	916,353
Loans 90 Days or More Past Due and Still Accruing	0	0
Mortgage warehouse | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Mortgage warehouse | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Mortgage warehouse | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Mortgage warehouse | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Mortgage warehouse | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	768,577	916,353
Municipal
Financing Receivable, Past Due [Line Items]
Total Loans	624,430	659,403
Loans 90 Days or More Past Due and Still Accruing	0	0
Municipal | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Municipal | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Municipal | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Municipal | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	0	0
Municipal | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	624,430	659,403
Premium finance
Financing Receivable, Past Due [Line Items]
Total Loans	840,737	687,841
Loans 90 Days or More Past Due and Still Accruing	5,881	6,571
Premium finance | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	18,112	17,654
Premium finance | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	7,264	7,188
Premium finance | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	4,967	3,895
Premium finance | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	5,881	6,571
Premium finance | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	822,625	670,187
Real estate – construction and development
Financing Receivable, Past Due [Line Items]
Total Loans	1,454,824	1,606,710
Loans 90 Days or More Past Due and Still Accruing	1,020	0
Real estate – construction and development | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	27,370	19,221
Real estate – construction and development | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	22,290	13,348
Real estate – construction and development | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	3,181	723
Real estate – construction and development | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	1,899	5,150
Real estate – construction and development | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	1,427,454	1,587,489
Real estate – commercial and farmland
Financing Receivable, Past Due [Line Items]
Total Loans	6,409,704	5,300,006
Loans 90 Days or More Past Due and Still Accruing	0	0
Real estate – commercial and farmland | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	16,949	15,722
Real estate – commercial and farmland | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	9,373	5,370
Real estate – commercial and farmland | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	1,166	1,701
Real estate – commercial and farmland | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	6,410	8,651
Real estate – commercial and farmland | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	6,392,755	5,284,284
Real estate – residential
Financing Receivable, Past Due [Line Items]
Total Loans	2,976,524	2,796,057
Loans 90 Days or More Past Due and Still Accruing	0	0
Real estate – residential | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	36,960	57,725
Real estate – residential | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	3,357	20,519
Real estate – residential | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	5,209	3,125
Real estate – residential | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	28,394	34,081
Real estate – residential | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	$ 2,939,564	$ 2,738,332

LOANS AND ALLOWANCE FOR CREDI_7

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Summary of Information Pertaining to Impaired Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	$ 71,878	$ 123,082
Allowance for Credit Losses	13,298	24,656
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	2,870	5,490
Allowance for Credit Losses	704	2,252
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	2,315	3,523
Allowance for Credit Losses	97	0
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	1,316	4,173
Allowance for Credit Losses	212	512
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	50,744	100,180
Allowance for Credit Losses	10,161	21,001
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	14,633	9,716
Allowance for Credit Losses	$ 2,124	$ 891

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans by Risk Grade (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 14,824,539	$ 14,480,925
9
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	0	0
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	528,345	1,034,506
Year two	160,151	138,136
Year three	103,388	100,900
Year four	78,569	68,339
Year five	45,092	28,655
Prior	48,989	45,190
Revolving Loans Amortized Cost Basis	253,041	211,751
Loans, net of unearned income	1,217,575	1,627,477
Commercial, financial and agricultural | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	527,587	1,031,173
Year two	158,865	134,604
Year three	99,010	97,815
Year four	75,973	64,573
Year five	42,009	23,852
Prior	40,557	38,744
Revolving Loans Amortized Cost Basis	244,459	209,214
Loans, net of unearned income	1,188,460	1,599,975
Commercial, financial and agricultural | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	36	21
Year two	776	72
Year three	527	506
Year four	445	193
Year five	439	3,509
Prior	3,381	1,232
Revolving Loans Amortized Cost Basis	1,439	632
Loans, net of unearned income	7,043	6,165
Commercial, financial and agricultural | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	722	3,312
Year two	510	3,460
Year three	3,851	2,579
Year four	2,151	3,573
Year five	2,644	1,294
Prior	5,051	5,214
Revolving Loans Amortized Cost Basis	7,143	1,886
Loans, net of unearned income	22,072	21,318
Commercial, financial and agricultural | 8
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one		0
Year two		0
Year three		0
Year four		0
Year five		0
Prior		0
Revolving Loans Amortized Cost Basis		19
Loans, net of unearned income		19
Consumer installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	32,110	142,833
Year two	70,119	63,892
Year three	42,462	57,725
Year four	30,845	17,936
Year five	11,492	4,808
Prior	12,462	11,042
Revolving Loans Amortized Cost Basis	7,621	8,759
Loans, net of unearned income	207,111	306,995
Consumer installment | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	32,105	142,803
Year two	69,866	63,681
Year three	42,133	57,644
Year four	30,626	17,831
Year five	11,439	4,674
Prior	11,851	10,344
Revolving Loans Amortized Cost Basis	7,532	8,662
Loans, net of unearned income	205,552	305,639
Consumer installment | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	2
Year three	0	9
Year four	0	0
Year five	0	0
Prior	138	145
Revolving Loans Amortized Cost Basis	6	0
Loans, net of unearned income	144	156
Consumer installment | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	5	30
Year two	253	209
Year three	329	72
Year four	219	105
Year five	53	134
Prior	473	553
Revolving Loans Amortized Cost Basis	83	97
Loans, net of unearned income	1,415	1,200
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	35,595
Year three	23,839	188,313
Year four	118,997	188,964
Year five	110,460	110,066
Prior	71,761	57,145
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	325,057	580,083
Indirect automobile | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	35,432
Year three	23,803	187,737
Year four	118,811	188,333
Year five	110,168	108,926
Prior	70,808	55,835
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	323,590	576,263
Indirect automobile | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	57
Year four	27	70
Year five	28	62
Prior	66	85
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	121	274
Indirect automobile | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	163
Year three	36	519
Year four	159	561
Year five	264	1,078
Prior	887	1,225
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	1,346	3,546
Mortgage warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	768,577	916,353
Loans, net of unearned income	768,577	916,353
Mortgage warehouse | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	768,577	916,353
Loans, net of unearned income	768,577	916,353
Municipal
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	42,565	236,076
Year two	227,256	13,398
Year three	14,911	8,944
Year four	5,753	149,194
Year five	141,822	141,543
Prior	192,123	110,248
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	624,430	659,403
Municipal | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	42,565	236,076
Year two	227,256	13,398
Year three	14,911	8,944
Year four	5,753	149,194
Year five	141,822	141,543
Prior	192,123	110,248
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	624,430	659,403
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	824,425	667,425
Year two	15,709	18,996
Year three	176	515
Year four	0	746
Year five	414	121
Prior	13	38
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	840,737	687,841
Premium finance | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	820,843	661,614
Year two	13,411	18,236
Year three	175	515
Year four	0	746
Year five	414	121
Prior	13	38
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	834,856	681,270
Premium finance | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	3,582	5,811
Year two	2,298	760
Year three	1	0
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	5,881	6,571
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	630,507	666,893
Year two	411,824	483,145
Year three	234,909	226,138
Year four	58,198	73,061
Year five	40,095	35,841
Prior	52,267	51,658
Revolving Loans Amortized Cost Basis	27,024	69,974
Loans, net of unearned income	1,454,824	1,606,710
Real estate – construction and development | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	629,733	666,193
Year two	411,682	479,251
Year three	234,740	221,926
Year four	55,995	71,488
Year five	39,464	35,799
Prior	49,180	43,958
Revolving Loans Amortized Cost Basis	27,024	69,974
Loans, net of unearned income	1,447,818	1,588,589
Real estate – construction and development | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	685
Year two	0	1,036
Year three	0	3,646
Year four	0	1,302
Year five	0	0
Prior	1,853	4,564
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	1,853	11,233
Real estate – construction and development | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	774	15
Year two	142	2,858
Year three	169	566
Year four	2,203	271
Year five	631	42
Prior	1,234	3,136
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	5,153	6,888
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	1,473,720	1,275,475
Year two	1,257,318	1,060,392
Year three	1,135,440	660,156
Year four	625,725	655,451
Year five	548,966	531,935
Prior	1,281,410	1,012,521
Revolving Loans Amortized Cost Basis	87,125	104,076
Loans, net of unearned income	6,409,704	5,300,006
Real estate – commercial and farmland | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	1,471,281	1,275,225
Year two	1,254,639	995,273
Year three	1,118,208	636,687
Year four	592,121	611,823
Year five	522,226	497,221
Prior	1,208,209	925,534
Revolving Loans Amortized Cost Basis	85,462	103,805
Loans, net of unearned income	6,252,146	5,045,568
Real estate – commercial and farmland | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	462	0
Year two	0	10,680
Year three	6,317	4,895
Year four	14,835	28,139
Year five	21,200	7,670
Prior	26,354	31,224
Revolving Loans Amortized Cost Basis	1,640	0
Loans, net of unearned income	70,808	82,608
Real estate – commercial and farmland | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	1,977	250
Year two	2,679	54,439
Year three	10,915	18,574
Year four	18,769	15,489
Year five	5,540	27,044
Prior	46,847	55,763
Revolving Loans Amortized Cost Basis	23	271
Loans, net of unearned income	86,750	171,830
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	892,752	786,803
Year two	699,143	562,538
Year three	383,314	287,286
Year four	179,254	206,739
Year five	125,944	173,832
Prior	475,725	522,873
Revolving Loans Amortized Cost Basis	220,392	255,986
Loans, net of unearned income	2,976,524	2,796,057
Real estate – residential | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	891,155	782,834
Year two	691,763	551,308
Year three	367,862	273,917
Year four	169,881	201,738
Year five	121,410	170,951
Prior	456,393	502,823
Revolving Loans Amortized Cost Basis	218,163	252,787
Loans, net of unearned income	2,916,627	2,736,358
Real estate – residential | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	806	527
Year two	67	1,843
Year three	1,156	1,030
Year four	586	334
Year five	445	724
Prior	4,590	3,391
Revolving Loans Amortized Cost Basis	139	255
Loans, net of unearned income	7,789	8,104
Real estate – residential | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	791	3,442
Year two	7,313	9,387
Year three	14,296	12,339
Year four	8,787	4,667
Year five	4,089	2,157
Prior	14,742	16,659
Revolving Loans Amortized Cost Basis	2,090	2,944
Loans, net of unearned income	$ 52,108	$ 51,595

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans by Class Modified as Troubled Debt Restructurings (Details) - Loans Excluding Purchased Loan $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2021USD ($)contractbranch	Sep. 30, 2020USD ($)branchcontract	Sep. 30, 2021USD ($)contractbranch	Sep. 30, 2020USD ($)branchcontract	Dec. 31, 2020USD ($)contract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	9	565	34	649
Troubled debt restructurings principal balances	$ 1,818	$ 92,562	$ 20,066	$ 103,409
Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	10	14	33	27
Troubled debt restructurings principal balances	$ 514	$ 1,410	$ 1,189	$ 2,758
Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			563		752
Troubled debt restructurings principal balances			$ 77,292		$ 78,843
Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			118		128
Troubled debt restructurings principal balances			$ 10,120		$ 6,145
Commercial, financial and agricultural
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	1	6	2
Troubled debt restructurings principal balances	$ 0	$ 9	$ 532	$ 725
Commercial, financial and agricultural | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	1	0	1	1
Troubled debt restructurings principal balances	$ 1	$ 0	$ 1	$ 198
Commercial, financial and agricultural | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			14		9
Troubled debt restructurings principal balances			$ 1,683		$ 521
Commercial, financial and agricultural | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			7		11
Troubled debt restructurings principal balances			$ 112		$ 849
Consumer installment
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	0	2	4
Troubled debt restructurings principal balances	$ 0	$ 0	$ 7	$ 15
Consumer installment | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	1	0	1	4
Troubled debt restructurings principal balances	$ 1	$ 0	$ 1	$ 3
Consumer installment | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			8		10
Troubled debt restructurings principal balances			$ 22		$ 32
Consumer installment | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			19		20
Troubled debt restructurings principal balances			$ 38		$ 56
Indirect automobile
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | branch	0	530	0	530
Troubled debt restructurings principal balances	$ 0	$ 3,171	$ 0	$ 3,170
Indirect automobile | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | branch	4	0	16	0
Troubled debt restructurings principal balances	$ 23	$ 0	$ 76	$ 0
Indirect automobile | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			282		437
Troubled debt restructurings principal balances			$ 1,284		$ 2,277
Indirect automobile | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			52		51
Troubled debt restructurings principal balances			$ 297		$ 461
Real estate – construction and development
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	0	0	1
Troubled debt restructurings principal balances	$ 0	$ 0	$ 0	$ 19
Real estate – construction and development | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	1	0	3
Troubled debt restructurings principal balances	$ 0	$ 403	$ 0	$ 689
Real estate – construction and development | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			5		4
Troubled debt restructurings principal balances			$ 887		$ 506
Real estate – construction and development | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			3		5
Troubled debt restructurings principal balances			$ 271		$ 707
Real estate – commercial and farmland
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	20	5	21
Troubled debt restructurings principal balances	$ 0	$ 86,773	$ 16,257	$ 86,788
Real estate – commercial and farmland | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	1	0	3
Troubled debt restructurings principal balances	$ 0	$ 50	$ 0	$ 726
Real estate – commercial and farmland | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			27		28
Troubled debt restructurings principal balances			$ 43,895		$ 36,707
Real estate – commercial and farmland | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			7		7
Troubled debt restructurings principal balances			$ 6,715		$ 1,401
Real estate – residential
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	9	14	21	91
Troubled debt restructurings principal balances	$ 1,818	$ 2,609	$ 3,270	$ 12,692
Real estate – residential | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	4	12	15	16
Troubled debt restructurings principal balances	$ 489	$ 957	$ 1,111	$ 1,142
Real estate – residential | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			227		264
Troubled debt restructurings principal balances			$ 29,521		$ 38,800
Real estate – residential | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			30		34
Troubled debt restructurings principal balances			$ 2,687		$ 2,671

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Deferrals Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 76,525	$ 332,779
Deferrals as a % of total loans	0.50%	2.30%
Commercial, financial and agricultural
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 755	$ 12,471
Deferrals as a % of total loans	0.10%	0.80%
Consumer installment
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 0	$ 1,418
Deferrals as a % of total loans	0.00%	0.50%
Indirect automobile
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 1,302	$ 8,936
Deferrals as a % of total loans	0.40%	1.50%
Real estate – construction and development
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 0	$ 11,049
Deferrals as a % of total loans	0.00%	0.70%
Real estate – commercial and farmland
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 26,128	$ 179,183
Deferrals as a % of total loans	0.40%	3.40%
Real estate – residential
Financing Receivable, Troubled Debt Restructuring [Line Items]
COVID-19 Deferrals	$ 48,340	$ 119,722
Deferrals as a % of total loans	1.60%	4.30%

LOANS AND ALLOWANCE FOR CRED_11

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	$ 175,070	$ 208,793	$ 199,422	$ 38,189
Provision for loan losses	(3,984)	26,692	(21,462)	132,188
Loans charged off	(3,537)	(7,371)	(18,249)	(25,370)
Recoveries of loans previously charged off	3,664	3,810	11,502	8,256
Ending balance, Allowance	171,213	231,924	171,213	231,924
Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance				78,661
Commercial, financial and agricultural
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	6,889	7,938	7,359	4,567
Provision for loan losses	(1,471)	5,533	2,606	8,624
Loans charged off	(858)	(1,715)	(6,757)	(4,687)
Recoveries of loans previously charged off	1,986	470	3,338	1,135
Ending balance, Allowance	6,546	12,226	6,546	12,226
Commercial, financial and agricultural | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance				2,587
Consumer installment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	7,824	20,085	4,076	3,784
Provision for loan losses	3,063	(3,693)	9,360	5,943
Loans charged off	(1,647)	(677)	(4,764)	(2,781)
Recoveries of loans previously charged off	199	516	767	1,273
Ending balance, Allowance	9,439	16,231	9,439	16,231
Consumer installment | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance				8,012
Indirect automobile
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	1,080	3,381	1,929	0
Provision for loan losses	(268)	322	(1,219)	1,138
Loans charged off	(178)	(697)	(1,148)	(2,944)
Recoveries of loans previously charged off	278	317	1,350	1,020
Ending balance, Allowance	912	3,323	912	3,323
Indirect automobile | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance				4,109
Mortgage warehouse
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	3,365	1,498	3,666	640
Provision for loan losses	(287)	498	(588)	893
Loans charged off	0	0	0	0
Recoveries of loans previously charged off	0	0	0	0
Ending balance, Allowance	3,078	1,996	3,078	1,996
Mortgage warehouse | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance				463
Municipal
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	777	507	791	484
Provision for loan losses	(27)	365	(41)	480
Loans charged off	0	0	0	0
Recoveries of loans previously charged off	0	0	0	0
Ending balance, Allowance	750	872	750	872
Municipal | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance				(92)
Premium finance
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	4,539	8,198	3,879	2,550
Provision for loan losses	(456)	(2,316)	(847)	235
Loans charged off	(605)	(1,159)	(3,142)	(3,893)
Recoveries of loans previously charged off	649	1,224	4,237	2,584
Ending balance, Allowance	4,127	5,947	4,127	5,947
Premium finance | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance				4,471
Real estate – construction and development
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	18,999	54,266	45,304	5,995
Provision for loan losses	(6,423)	(10,208)	(32,767)	25,379
Loans charged off	0	(9)	(212)	(83)
Recoveries of loans previously charged off	45	182	296	692
Ending balance, Allowance	12,621	44,231	12,621	44,231
Real estate – construction and development | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance				12,248
Real estate – commercial and farmland
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	88,338	83,593	88,894	9,666
Provision for loan losses	87	18,419	727	72,410
Loans charged off	(210)	(2,977)	(1,632)	(10,220)
Recoveries of loans previously charged off	266	904	492	1,010
Ending balance, Allowance	88,481	99,939	88,481	99,939
Real estate – commercial and farmland | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance				27,073
Real estate – residential
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	43,259	29,327	43,524	10,503
Provision for loan losses	1,798	17,772	1,307	17,086
Loans charged off	(39)	(137)	(594)	(762)
Recoveries of loans previously charged off	241	197	1,022	542
Ending balance, Allowance	$ 45,259	$ 47,159	$ 45,259	47,159
Real estate – residential | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance				$ 19,790

SECURITIES SOLD UNDER AGREEME_3

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Securities sold under agreements to repurchase	$ 4,502	$ 11,641

OTHER BORROWINGS - Schedule of

OTHER BORROWINGS - Schedule of Other Borrowings (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Dec. 31, 2020
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 125,830	$ 124,345
Other borrowings	425,375	425,155
Fixed Rate Advance due March 3, 2025; fixed interest rate of 1.208%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 15,000	15,000
Debt instrument, interest rate, effective percentage	1.208%
Fixed Rate Advance due March 2, 2027; fixed interest rate of 1.445%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 15,000	15,000
Debt instrument, interest rate, effective percentage	1.445%
Fixed Rate Advance due March 4, 2030; fixed interest rate of 1.606%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 15,000	15,000
Debt instrument, interest rate, effective percentage	1.606%
Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 1,403	1,411
Debt instrument, interest rate, effective percentage	4.55%
Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 971	977
Debt instrument, interest rate, effective percentage	4.55%
Principal Reducing Advance due September 29, 2031; fixed interest rate of 3.095%
Other Borrowings [Line Items]
Advance from correspondent bank	$ 1,457	1,567
Debt instrument, interest rate, effective percentage	3.095%
Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $714 and $812, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616%
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 74,286	74,188
Debt instrument, interest rate, effective percentage	5.75%
Unamortized debt issuance expense	$ 714	812
Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $714 and $812, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616% | London Interbank Offered Rate (LIBOR)
Other Borrowings [Line Items]
Basis spread on variable rate	3.616%
Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $1,983 and $2,165, respectively; fixed interest rate of 4.25% through December 14, 2024; variable interest rate thereafter at three-month SOFR plus 2.94%
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 118,017	117,835
Debt instrument, interest rate, effective percentage	4.25%
Unamortized debt issuance expense	$ 1,983	2,165
Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $1,983 and $2,165, respectively; fixed interest rate of 4.25% through December 14, 2024; variable interest rate thereafter at three-month SOFR plus 2.94% | Secured Overnight Financing Rate (SOFR)
Other Borrowings [Line Items]
Basis spread on variable rate	2.94%
Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $1,058 and $1,150, respectively; fixed interest rate of 5.875% through May 31, 2025; variable interest rate thereafter at three-month LIBOR plus 3.63%
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 76,058	76,150
Debt instrument, interest rate, effective percentage	5.875%
Unaccreted purchase accounting fair value adjustment	$ (1,058)	(1,150)
Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $1,058 and $1,150, respectively; fixed interest rate of 5.875% through May 31, 2025; variable interest rate thereafter at three-month LIBOR plus 3.63% | London Interbank Offered Rate (LIBOR)
Other Borrowings [Line Items]
Basis spread on variable rate	3.63%
Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,817 and $1,973, respectively; fixed interest rate of 3.875% through September 30, 2025; variable interest rate thereafter at three-month SOFR plus 3.753%
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 108,183	108,027
Debt instrument, interest rate, effective percentage	3.875%
Unamortized debt issuance expense	$ 1,817	$ 1,973
Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,817 and $1,973, respectively; fixed interest rate of 3.875% through September 30, 2025; variable interest rate thereafter at three-month SOFR plus 3.753% | Secured Overnight Financing Rate (SOFR)
Other Borrowings [Line Items]
Basis spread on variable rate	3.753%

OTHER BORROWINGS - Narrative (D

OTHER BORROWINGS - Narrative (Details) $ in Millions	Sep. 30, 2021USD ($)
Debt Disclosure [Abstract]
Federal home loan bank, advances, general debt obligations, amount of available, unused funds	$ 3,830
Credit arrangements for federal funds purchase	127
Pledged assets separately reported, loans pledged for federal reserve bank, at fair value	3,030
Loans pledged at federal reserve discount window available for borrowing	$ 2,130

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	$ 2,837,004	$ 2,460,130	$ 2,647,088	$ 2,469,582
Reclassification for gains included in net income, net of tax	0	0	0	0
Current year changes, net of tax	(3,139)	(2,361)	(11,620)	19,257
Balance at end of period	2,900,770	2,564,683	2,900,770	2,564,683
Unrealized Gain (Loss) on Derivatives
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	0	(133)	0	(147)
Reclassification for gains included in net income, net of tax	0	0	0	0
Current year changes, net of tax	0	133	0	147
Balance at end of period	0	0	0	0
Unrealized Gain (Loss) on Securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	25,024	39,746	33,505	18,142
Reclassification for gains included in net income, net of tax	0	0	0	0
Current year changes, net of tax	(3,139)	(2,494)	(11,620)	19,110
Balance at end of period	21,885	37,252	21,885	37,252
Accumulated Other Comprehensive Income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	25,024	39,613	33,505	17,995
Balance at end of period	$ 21,885	$ 37,252	$ 21,885	$ 37,252

WEIGHTED AVERAGE SHARES OUTST_3

WEIGHTED AVERAGE SHARES OUTSTANDING (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Earnings Per Share [Abstract]
Average common shares outstanding (in shares)	69,440,000	69,231,000	69,445,000	69,243,000
Common share equivalents:
Stock options (in shares)	49,000	5,000	65,000	22,000
Nonvested restricted share grants (in shares)	142,000	85,000	143,000	122,000
Performance share units (in shares)	125,000	25,000	119,000	16,000
Average common shares outstanding, assuming dilution (in shares)	69,756,000	69,346,000	69,772,000	69,403,000
Potential common shares with strike prices that would cause them to be anti-dilutive (in shares)	0	252,765	0	253,765

FAIR VALUE MEASURES - Loans Hel

FAIR VALUE MEASURES - Loans Held for Sale Under the Fair Value Option (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 1,435,805	$ 1,001,807
Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	1,430,695	998,050
SBA loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 5,110	$ 3,757

FAIR VALUE MEASURES - Narrative

FAIR VALUE MEASURES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Fair Value Disclosures [Abstract]
Net gains (losses) from change in fair value of mortgages loans held for sale	$ 5.8	$ (23.3)	$ (9.3)	$ 17.8
Net gains (losses) from change in fair value of derivative financial instruments	$ 7.3	$ 21.4	$ (10.3)	$ 55.2

FAIR VALUE MEASURES - Differenc

FAIR VALUE MEASURES - Difference Between Fair Value and Principal Balance of Loans Held for Sale Measured at Fair Value (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Aggregate fair value of loans held for sale	$ 1,430,695	$ 998,050
Aggregate unpaid principal balance of loans held for sale	1,389,380	947,460
Past-due loans of 90 days or more	152	0
Nonaccrual loans	152	0
Unpaid principal balance of nonaccrual loans	149	0
SBA loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Aggregate fair value of loans held for sale	5,110	3,757
Aggregate unpaid principal balance of loans held for sale	4,446	3,393
Past-due loans of 90 days or more	0	0
Nonaccrual loans	$ 0	$ 0

FAIR VALUE MEASURES - Fair Valu

FAIR VALUE MEASURES - Fair Value Measurements of Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	$ 684,504	$ 982,879
Loans held for sale	1,435,805	1,001,807
U.S. government sponsored agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	12,252	17,504
State, county and municipal securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	54,216	66,778
Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	33,998	51,896
SBA pool securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	47,917	62,497
Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	536,121	784,204
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	1,435,805	1,001,807
Total recurring assets at fair value	2,145,372	2,036,442
Total recurring liabilities at fair value		16,415
Fair Value, Measurements, Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	0	0
Total recurring assets at fair value	0	0
Total recurring liabilities at fair value		0
Fair Value, Measurements, Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	1,435,805	1,001,807
Total recurring assets at fair value	2,143,992	2,035,272
Total recurring liabilities at fair value		16,415
Fair Value, Measurements, Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	1,380	1,170
Loans held for sale	0	0
Total recurring assets at fair value	1,380	1,170
Total recurring liabilities at fair value		0
Fair Value, Measurements, Recurring | Mortgage banking derivative instruments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	25,063	51,756
Derivative liability		16,415
Fair Value, Measurements, Recurring | Mortgage banking derivative instruments | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	0	0
Derivative liability		0
Fair Value, Measurements, Recurring | Mortgage banking derivative instruments | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	25,063	51,756
Derivative liability		16,415
Fair Value, Measurements, Recurring | Mortgage banking derivative instruments | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage banking derivative instruments	0	0
Derivative liability		0
Fair Value, Measurements, Recurring | U.S. government sponsored agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	12,252	17,504
Fair Value, Measurements, Recurring | U.S. government sponsored agencies | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | U.S. government sponsored agencies | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	12,252	17,504
Fair Value, Measurements, Recurring | U.S. government sponsored agencies | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | State, county and municipal securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	54,216	66,778
Fair Value, Measurements, Recurring | State, county and municipal securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | State, county and municipal securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	54,216	66,778
Fair Value, Measurements, Recurring | State, county and municipal securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	33,998	51,896
Fair Value, Measurements, Recurring | Corporate debt securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | Corporate debt securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	32,618	50,726
Fair Value, Measurements, Recurring | Corporate debt securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	1,380	1,170
Fair Value, Measurements, Recurring | SBA pool securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	47,917	62,497
Fair Value, Measurements, Recurring | SBA pool securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | SBA pool securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	47,917	62,497
Fair Value, Measurements, Recurring | SBA pool securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	536,121	784,204
Fair Value, Measurements, Recurring | Mortgage-backed securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	0	0
Fair Value, Measurements, Recurring | Mortgage-backed securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	536,121	784,204
Fair Value, Measurements, Recurring | Mortgage-backed securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	$ 0	$ 0

FAIR VALUE MEASURES - Fair Va_2

FAIR VALUE MEASURES - Fair Value Measurements of Assets Measured at Fair Value on Non-Recurring Basis (Details) - Fair Value, Measurements, Nonrecurring - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	$ 247,167	$ 239,859
Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	58,580	98,426
Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	81	4,964
Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	188,506	130,630
SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value		5,839
Level 1
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 1 | Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 1 | Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 1 | Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 1 | SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value		0
Level 2
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	5,839
Level 2 | Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 2 | Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 2 | Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 2 | SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value		5,839
Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	247,167	234,020
Level 3 | Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	58,580	98,426
Level 3 | Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	81	4,964
Level 3 | Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	$ 188,506	130,630
Level 3 | SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value		$ 0

FAIR VALUE MEASURES - Significa

FAIR VALUE MEASURES - Significant Unobservable Inputs Used in Fair Value Measurement of Level 3 Assets and Liabilities (Details) $ in Thousands	Sep. 30, 2021USD ($)	Dec. 31, 2020USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, at fair value	$ 684,504	$ 982,879
Other real estate owned, at fair value	4,594	11,880
Fair Value, Measurements, Recurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, at fair value	1,380	1,170
Fair Value, Measurements, Nonrecurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral-dependent loans, at fair value	58,580	98,426
Other real estate owned, at fair value	81	4,964
Mortgage servicing rights	$ 188,506	$ 130,630
Discounted par values | Discount rate | Fair Value, Measurements, Recurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input	0.080	0.188
Discounted par values | Discount rate | Fair Value, Measurements, Recurring | Weighted Average Daily Balance | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input	0.080	0.188
Discounted par values | Loss given default | Fair Value, Measurements, Recurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input		0.40
Discounted par values | Loss given default | Fair Value, Measurements, Recurring | Weighted Average Daily Balance | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input		0.40
Third-party appraisals and discounted cash flows | Collateral discounts and discount rates | Fair Value, Measurements, Nonrecurring | Minimum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral-dependent loans, measurement input	20.00%	20.00%
Third-party appraisals and discounted cash flows | Collateral discounts and discount rates | Fair Value, Measurements, Nonrecurring | Maximum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral-dependent loans, measurement input	90.00%	90.00%
Third-party appraisals and discounted cash flows | Collateral discounts and discount rates | Fair Value, Measurements, Nonrecurring | Weighted Average Daily Balance | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral-dependent loans, measurement input	44.00%	44.00%
Third-party appraisals and sales contracts | Collateral discounts and estimated costs to sell | Fair Value, Measurements, Nonrecurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other real estate owned, measurement input	0.76
Third-party appraisals and sales contracts | Collateral discounts and estimated costs to sell | Fair Value, Measurements, Nonrecurring | Minimum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other real estate owned, measurement input		0.15
Third-party appraisals and sales contracts | Collateral discounts and estimated costs to sell | Fair Value, Measurements, Nonrecurring | Maximum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other real estate owned, measurement input		0.59
Third-party appraisals and sales contracts | Collateral discounts and estimated costs to sell | Fair Value, Measurements, Nonrecurring | Weighted Average Daily Balance | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other real estate owned, measurement input	0.76	0.28
Discounted cash flows | Discount rate | Fair Value, Measurements, Nonrecurring | Minimum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights measurement input	0.09	0.09
Discounted cash flows | Discount rate | Fair Value, Measurements, Nonrecurring | Maximum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights measurement input	0.10	0.12
Discounted cash flows | Discount rate | Fair Value, Measurements, Nonrecurring | Weighted Average Daily Balance | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights measurement input	0.09	0.10
Discounted cash flows | Prepayment speed | Fair Value, Measurements, Nonrecurring | Minimum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights measurement input	0.10	0.14
Discounted cash flows | Prepayment speed | Fair Value, Measurements, Nonrecurring | Maximum | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights measurement input	0.38	0.37
Discounted cash flows | Prepayment speed | Fair Value, Measurements, Nonrecurring | Weighted Average Daily Balance | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights measurement input	0.12	19

FAIR VALUE MEASURES - Carrying

FAIR VALUE MEASURES - Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Financial assets:
Cash and due from banks	$ 239,028	$ 203,349
Federal funds sold and interest-bearing accounts	3,513,412	1,913,957
Time deposits in other banks	0	249
Investment securities held-to-maturity	63,304	0
Financial liabilities:
Other borrowings	425,375	425,155
Subordinated deferrable interest debentures	125,830	124,345
Carrying Amount
Financial assets:
Cash and due from banks	239,028	203,349
Federal funds sold and interest-bearing accounts	3,513,412	1,913,957
Time deposits in other banks		249
Investment securities held-to-maturity	64,451	0
Loans, net	14,594,746	14,183,077
Accrued interest receivable	59,957	76,254
Financial liabilities:
Deposits	18,833,489	16,957,823
Securities sold under agreements to repurchase	4,502	11,641
Other borrowings	425,375	425,155
Subordinated deferrable interest debentures	125,830	124,345
Accrued interest payable	6,356	5,487
Fair Value
Financial assets:
Cash and due from banks	239,028	203,349
Federal funds sold and interest-bearing accounts	3,513,412	1,913,957
Time deposits in other banks		249
Investment securities held-to-maturity	63,304	0
Loans, net	14,574,784	14,096,711
Accrued interest receivable	59,957	76,254
Financial liabilities:
Deposits	18,836,507	16,968,606
Securities sold under agreements to repurchase	4,502	11,641
Other borrowings	430,037	431,783
Subordinated deferrable interest debentures	117,283	116,280
Accrued interest payable	6,356	5,487
Fair Value | Level 1
Financial assets:
Cash and due from banks	239,028	203,349
Federal funds sold and interest-bearing accounts	3,513,412	1,913,957
Time deposits in other banks		0
Investment securities held-to-maturity	0	0
Loans, net	0	0
Accrued interest receivable	0	0
Financial liabilities:
Deposits	0	0
Securities sold under agreements to repurchase	4,502	11,641
Other borrowings	0	0
Subordinated deferrable interest debentures	0	0
Accrued interest payable	0	0
Fair Value | Level 2
Financial assets:
Cash and due from banks	0	0
Federal funds sold and interest-bearing accounts	0	0
Time deposits in other banks		249
Investment securities held-to-maturity	63,304	0
Loans, net	0	0
Accrued interest receivable	2,991	3,567
Financial liabilities:
Deposits	18,836,507	16,968,606
Securities sold under agreements to repurchase	0	0
Other borrowings	430,037	431,783
Subordinated deferrable interest debentures	117,283	116,280
Accrued interest payable	6,356	5,487
Fair Value | Level 3
Financial assets:
Cash and due from banks	0	0
Federal funds sold and interest-bearing accounts	0	0
Time deposits in other banks		0
Investment securities held-to-maturity	0	0
Loans, net	14,574,784	14,096,711
Accrued interest receivable	56,966	72,687
Financial liabilities:
Deposits	0	0
Securities sold under agreements to repurchase	0	0
Other borrowings	0	0
Subordinated deferrable interest debentures	0	0
Accrued interest payable	$ 0	$ 0

COMMITMENTS AND CONTINGENCIES -

COMMITMENTS AND CONTINGENCIES - Schedule of Guarantor Obligations (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
Commitments to extend credit	$ 3,783,300	$ 2,826,719
Unused home equity lines of credit	265,963	259,015
Financial standby letters of credit	33,259	33,613
Mortgage interest rate lock commitments	$ 592,061	$ 1,199,939

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES - Allowance for Unfunded Commitments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision for unfunded commitments	$ (3,984)	$ 26,692	$ (21,462)	$ 132,188
Unfunded Loan Commitments
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	22,314	37,503	32,854	1,077
Provision for unfunded commitments	(5,516)	(10,131)	(16,056)	13,581
Ending balance, Allowance	16,798	27,372	16,798	27,372
Unfunded Loan Commitments | Adjustment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	$ 0	$ 0	$ 0	$ 12,714

COMMITMENTS AND CONTINGENCIES_3

COMMITMENTS AND CONTINGENCIES - Narrative (Details) $ in Millions	Sep. 30, 2021USD ($)
Federal Home Loan Bank | Letter of Credit
Loss Contingencies [Line Items]
Letter of credit	$ 290

SEGMENT REPORTING - Narrative (

SEGMENT REPORTING - Narrative (Details)	9 Months Ended
	Sep. 30, 2021segment
Segment Reporting [Abstract]
Reportable segments	5

SEGMENT REPORTING - Schedule of

SEGMENT REPORTING - Schedule of Segment Reporting, by Reportable Business Segments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Segment Reporting Information [Line Items]
Interest income	$ 173,046	$ 179,934	$ 524,747	$ 547,720
Interest expense	11,385	17,396	36,257	73,423
Net interest income	161,661	162,538	488,490	474,297
Provision for credit losses	(9,675)	17,682	(38,124)	146,890
Noninterest income	76,562	159,018	283,775	334,357
Noninterest expense
Salaries and employee benefits	79,671	96,698	261,161	267,812
Occupancy and equipment	11,979	13,805	34,572	39,640
Data processing and communications expenses	10,681	12,226	34,442	34,694
Other expenses	34,865	30,963	91,580	105,367
Total noninterest expense	137,196	153,692	421,755	447,513
Income (loss) before income tax expense	110,702	150,182	388,634	214,251
Income tax expense (benefit)	29,022	34,037	93,665	46,548
Net income (loss)	81,680	116,145	294,969	167,703
Total assets	22,533,141	19,873,851	22,533,141	19,873,851	$ 20,438,638
Goodwill	928,005	928,005	928,005	928,005	928,005
Other intangible assets, net	60,396	76,164	60,396	76,164	$ 71,974
Banking Division
Segment Reporting Information [Line Items]
Interest income	110,708	123,593	332,347	384,547
Interest expense	(2,816)	4,031	(4,663)	26,280
Net interest income	113,524	119,562	337,010	358,267
Provision for credit losses	(9,578)	487	(37,431)	123,289
Noninterest income	17,896	15,265	50,805	47,506
Noninterest expense
Salaries and employee benefits	40,020	39,718	120,557	121,762
Occupancy and equipment	10,196	11,955	29,366	33,981
Data processing and communications expenses	9,159	9,716	29,640	29,432
Other expenses	21,723	21,517	60,196	80,159
Total noninterest expense	81,098	82,906	239,759	265,334
Income (loss) before income tax expense	59,900	51,434	185,487	17,150
Income tax expense (benefit)	17,784	13,453	50,436	5,146
Net income (loss)	42,116	37,981	135,051	12,004
Total assets	16,070,583	13,098,562	16,070,583	13,098,562
Goodwill	863,507	863,507	863,507	863,507
Other intangible assets, net	47,768	60,568	47,768	60,568
Retail Mortgage Division
Segment Reporting Information [Line Items]
Interest income	33,390	31,040	97,674	99,165
Interest expense	12,101	10,647	34,868	36,714
Net interest income	21,289	20,393	62,806	62,451
Provision for credit losses	1,678	15,051	2,772	17,471
Noninterest income	55,555	137,583	222,250	276,147
Noninterest expense
Salaries and employee benefits	36,373	53,500	131,009	134,600
Occupancy and equipment	1,590	1,676	4,619	5,133
Data processing and communications expenses	1,357	2,349	4,338	4,741
Other expenses	11,675	7,889	27,502	20,713
Total noninterest expense	50,995	65,414	167,468	165,187
Income (loss) before income tax expense	24,171	77,511	114,816	155,940
Income tax expense (benefit)	5,076	16,112	24,111	32,751
Net income (loss)	19,095	61,399	90,705	123,189
Total assets	4,247,967	3,632,999	4,247,967	3,632,999
Goodwill	0	0	0	0
Other intangible assets, net	0	0	0	0
Warehouse Lending Division
Segment Reporting Information [Line Items]
Interest income	9,093	6,844	28,408	16,979
Interest expense	381	298	1,070	2,105
Net interest income	8,712	6,546	27,338	14,874
Provision for credit losses	(291)	495	(591)	889
Noninterest income	1,037	1,064	3,350	2,751
Noninterest expense
Salaries and employee benefits	264	266	872	685
Occupancy and equipment	0	1	2	3
Data processing and communications expenses	59	73	176	169
Other expenses	200	28	263	150
Total noninterest expense	523	368	1,313	1,007
Income (loss) before income tax expense	9,517	6,747	29,966	15,729
Income tax expense (benefit)	1,999	1,431	6,293	3,317
Net income (loss)	7,518	5,316	23,673	12,412
Total assets	740,809	1,002,027	740,809	1,002,027
Goodwill	0	0	0	0
Other intangible assets, net	0	0	0	0
SBA Division
Segment Reporting Information [Line Items]
Interest income	11,986	10,958	44,070	23,443
Interest expense	1,287	1,992	3,854	5,262
Net interest income	10,699	8,966	40,216	18,181
Provision for credit losses	(1,104)	4,297	(2,258)	5,716
Noninterest income	2,070	5,106	7,358	7,953
Noninterest expense
Salaries and employee benefits	1,320	1,572	3,639	5,660
Occupancy and equipment	116	97	354	291
Data processing and communications expenses	18	4	19	32
Other expenses	370	595	949	1,469
Total noninterest expense	1,824	2,268	4,961	7,452
Income (loss) before income tax expense	12,049	7,507	44,871	12,966
Income tax expense (benefit)	2,530	1,577	9,423	2,723
Net income (loss)	9,519	5,930	35,448	10,243
Total assets	529,044	1,338,794	529,044	1,338,794
Goodwill	0	0	0	0
Other intangible assets, net	0	0	0	0
Premium  Finance  Division
Segment Reporting Information [Line Items]
Interest income	7,869	7,499	22,248	23,586
Interest expense	432	428	1,128	3,062
Net interest income	7,437	7,071	21,120	20,524
Provision for credit losses	(380)	(2,648)	(616)	(475)
Noninterest income	4	0	12	0
Noninterest expense
Salaries and employee benefits	1,694	1,642	5,084	5,105
Occupancy and equipment	77	76	231	232
Data processing and communications expenses	88	84	269	320
Other expenses	897	934	2,670	2,876
Total noninterest expense	2,756	2,736	8,254	8,533
Income (loss) before income tax expense	5,065	6,983	13,494	12,466
Income tax expense (benefit)	1,633	1,464	3,402	2,611
Net income (loss)	3,432	5,519	10,092	9,855
Total assets	944,738	801,469	944,738	801,469
Goodwill	64,498	64,498	64,498	64,498
Other intangible assets, net	$ 12,628	$ 15,596	$ 12,628	$ 15,596

LOAN SERVICING RIGHTS - Schedul

LOAN SERVICING RIGHTS - Schedule of Carrying Value of Loan Servicing Rights Assets (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	$ 194,339		$ 136,542
Residential mortgage
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	188,506	$ 191,675	130,630	$ 114,396	$ 91,381	$ 94,902
SBA
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	5,833	6,123	5,839	6,062	5,241	7,886
Indirect automobile
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	$ 0	$ 0	$ 73	$ 117	$ 162	$ 247

LOAN SERVICING RIGHTS - Narrati

LOAN SERVICING RIGHTS - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Residential Mortgage Loans
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing fee income	$ 13,800	$ 8,300	$ 35,300	$ 21,400
SBA servicing rights
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing fee income	1,000	1,100	3,000	3,300
Indirect automobile
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing fee income	$ 135	$ 259	$ 510	$ 1,500

LOAN SERVICING RIGHTS - Sched_2

LOAN SERVICING RIGHTS - Schedule of Activity of Servicing Rights (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance			$ 136,542
Ending balance	$ 194,339		194,339
Residential mortgage servicing rights
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	191,675	$ 91,381	130,630	$ 94,902
Additions	6,195	30,376	71,439	65,735
Amortization	(7,967)	(6,231)	(22,648)	(16,084)
Recoveries/(impairment)	(1,397)	(1,130)	9,085	(30,157)
Ending balance	188,506	114,396	188,506	114,396
Residential mortgage servicing valuation allowance
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	28,925	29,131	39,407	104
Additions	1,397	1,130	1,397	30,157
Recoveries/(impairment)	0	0	(10,482)	0
Ending balance	30,322	30,261	30,322	30,261
SBA servicing rights
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	6,123	5,241	5,839	7,886
Additions	265	499	736	974
Purchase accounting adjustment	0	0	0	(1,214)
Amortization	(555)	(396)	(1,647)	(1,175)
Recoveries/(impairment)	0	718	905	(409)
Ending balance	5,833	6,062	5,833	6,062
SBA servicing valuation allowance
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	0	1,268	905	141
Additions	0	0	0	409
Recoveries/(impairment)	0	(718)	(905)	0
Ending balance	0	550	0	550
Indirect automobile
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	0	162	73	247
Amortization	0	(45)	(73)	(130)
Ending balance	$ 0	$ 117	$ 0	$ 117

LOAN SERVICING RIGHTS - Sched_3

LOAN SERVICING RIGHTS - Schedule of Sensitivity of Fair Value to Adverse Changes in Model Inputs and/or Assumptions (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2021	Dec. 31, 2020
Residential mortgage
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Unpaid principal balance of loans serviced for others	$ 15,994,406	$ 13,764,529
Loans serviced for others, percentage	100.00%	100.00%
Weighted average life (in years)	341 months	340 months
Weighted average age	20 months	20 months
Modeled prepayment speed	12.46%	18.82%
Decline in fair value due to a 10% adverse change	$ (8,334)	$ (7,154)
Decline in fair value due to a 20% adverse change	$ (16,035)	$ (13,664)
Weighted average discount rate	8.77%	9.50%
Decline in fair value due to a 10% adverse change	$ (6,503)	$ (4,304)
Decline in fair value due to a 20% adverse change	$ (12,565)	$ (8,321)
Residential mortgage | FHLMC
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Loans serviced for others, percentage	21.86%	21.55%
Residential mortgage | FNMA
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Loans serviced for others, percentage	60.05%	61.75%
Residential mortgage | GNMA
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Loans serviced for others, percentage	18.09%	16.70%
SBA servicing rights
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Unpaid principal balance of loans serviced for others	$ 418,377	$ 351,325
Weighted average life (in years)	3 years 7 months 6 days	3 years 5 months 15 days
Modeled prepayment speed	18.10%	19.14%
Decline in fair value due to a 10% adverse change	$ (318)	$ (335)
Decline in fair value due to a 20% adverse change	$ (606)	$ (636)
Weighted average discount rate	10.62%	9.55%
Decline in fair value due to a 10% adverse change	$ (153)	$ (151)
Decline in fair value due to a 20% adverse change	$ (299)	$ (295)

Uncategorized Items - abcb-2021

Label	Element	Value
Accounting Standards Update [Extensible Enumeration]	us-gaap_AccountingStandardsUpdateExtensibleList	Accounting Standards Update 2016-13 [Member]