Ameris Bancorp (ABCB) 10-Q 5 Aug 22 2022 Q2 Quarterly report Financial data

Cover

Cover - shares	6 Months Ended
	Jun. 30, 2022	Jul. 31, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2022
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		69,360,054
Amendment Flag	false
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q2
Entity Central Index Key	0000351569
Current Fiscal Year End Date	--12-31

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 345,627	$ 307,813
Federal funds sold and interest-bearing deposits in banks	1,961,209	3,756,844
Cash and cash equivalents	2,306,836	4,064,657
Debt securities available-for-sale, at fair value, net of allowance for credit losses of $88 and $—	1,052,268	592,621
Debt securities held-to-maturity, at amortized cost, net of allowance for credit losses of $— and $— (fair value of $97,144 and $78,206)	111,654	79,850
Other investments	49,500	47,552
Loans held for sale, at fair value	555,665	1,254,632
Loans, net of unearned income	17,561,022	15,874,258
Allowance for credit losses	(172,642)	(167,582)
Loans, net	17,388,380	15,706,676
Other real estate owned, net	835	3,810
Premises and equipment, net	224,249	225,400
Goodwill	1,023,056	1,012,620
Other intangible assets, net	115,613	125,938
Cash value of bank owned life insurance	384,862	331,146
Other assets	474,552	413,419
Total assets	23,687,470	23,858,321
Deposits:
Noninterest-bearing	8,262,929	7,774,823
Interest-bearing	11,422,053	11,890,730
Total deposits	19,684,982	19,665,553
Securities sold under agreements to repurchase	953	5,845
Other borrowings	425,592	739,879
Subordinated deferrable interest debentures	127,325	126,328
Other liabilities	375,242	354,265
Total liabilities	20,614,094	20,891,870
Commitments and Contingencies (Note 9)
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; 72,251,856 and 72,017,126 shares issued	72,251	72,017
Capital surplus	1,931,088	1,924,813
Retained earnings	1,157,359	1,006,436
Accumulated other comprehensive income, net of tax	(12,635)	15,590
Treasury stock, at cost, 2,891,395 and 2,407,898 shares	(74,687)	(52,405)
Total shareholders’ equity	3,073,376	2,966,451
Total liabilities and shareholders’ equity	$ 23,687,470	$ 23,858,321

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
Debt securities available-for-sale, allowance for credit loss	$ 88	$ 0
Debt securities, held-to-maturity, allowance for credit loss	0	0
Debt securities held-to-maturity	$ 97,144	$ 78,206
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)	72,251,856	72,017,126
Treasury stock, shares (in shares)	2,891,395	2,407,898

Consolidated Statements of Inco

Consolidated Statements of Income and Comprehensive Income (unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Interest income
Interest and fees on loans	$ 190,740	$ 167,761	$ 368,306	$ 338,918
Interest on taxable securities	7,064	5,244	11,303	11,362
Interest on nontaxable securities	269	139	455	280
Interest on deposits in other banks and federal funds sold	4,495	607	5,878	1,141
Total interest income	202,568	173,751	385,942	351,701
Interest expense
Interest on deposits	4,908	5,775	9,000	12,573
Interest on other borrowings	6,296	6,124	13,034	12,299
Total interest expense	11,204	11,899	22,034	24,872
Net interest income	191,364	161,852	363,908	326,829
Provision for loan losses	13,227	(899)	10,493	(17,478)
Provision for unfunded commitments	1,779	1,299	10,788	(10,540)
Provision for other credit losses	(82)	(258)	(126)	(431)
Provision for credit losses	14,924	142	21,155	(28,449)
Net interest income after provision for credit losses	176,440	161,710	342,753	355,278
Noninterest income
Service charges on deposit accounts	11,148	11,007	22,206	21,836
Mortgage banking activity	58,761	70,231	121,699	168,717
Other service charges, commissions and fees	998	1,056	1,937	2,072
Net loss on securities	248	1	221	(11)
Other noninterest income	12,686	6,945	24,689	14,599
Total noninterest income	83,841	89,240	170,752	207,213
Noninterest expense
Salaries and employee benefits	81,545	85,505	165,826	181,490
Occupancy and equipment	12,746	10,812	25,473	22,593
Data processing and communications expenses	12,155	11,877	24,727	23,761
Credit resolution-related expenses	496	622	(469)	1,169
Advertising and marketing	3,122	1,946	5,110	3,377
Amortization of intangible assets	5,144	4,065	10,325	8,191
Merger and conversion charges	0	0	977	0
Loan servicing expense	9,920	4,914	18,839	10,814
Other noninterest expenses	17,068	16,020	35,208	33,164
Total noninterest expense	142,196	135,761	286,016	284,559
Income before income tax expense	118,085	115,189	227,489	277,932
Income tax expense	28,019	26,862	55,725	64,643
Net income	90,066	88,327	171,764	213,289
Other comprehensive loss
Net unrealized holding losses arising during period on investment securities available-for-sale, net of tax benefit of $(2,870), $(283), $(7,503) and $(2,255)	(10,794)	(1,066)	(28,225)	(8,481)
Total other comprehensive loss	(10,794)	(1,066)	(28,225)	(8,481)
Comprehensive income	$ 79,272	$ 87,261	$ 143,539	$ 204,808
Basic earnings per common share (in dollars per share)	$ 1.30	$ 1.27	$ 2.48	$ 3.07
Diluted earnings per common share (in dollars per share)	$ 1.30	$ 1.27	$ 2.47	$ 3.06
Weighted average common shares outstanding
Basic (in shares)	69,136	69,497	69,246	69,448
Diluted (in shares)	69,316	69,792	69,485	69,765

Consolidated Statements of In_2

Consolidated Statements of Income and Comprehensive Income (unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Income Statement [Abstract]
Tax expense (benefit) from unrealized holding gain (loss) on securities arising during period	$ (2,870)	$ (283)	$ (7,503)	$ (2,255)

Consolidated Statements of Shar

Consolidated Statements of Shareholders’ Equity (unaudited) - USD ($) $ in Thousands	Total	Common Stock	Capital Surplus	Retained Earnings	Accumulated Other Comprehensive Income (Loss), Net of Tax	Treasury Stock
Balance at beginning of period (in shares) at Dec. 31, 2020		71,753,705
Balance at beginning of period (in shares) at Dec. 31, 2020						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)
Issuance of restricted shares (in shares)		99,308
Issuance of restricted shares	599	$ 99	500
Forfeitures of restricted shares (in shares)		(750)
Forfeitures of restricted shares	(20)	$ (1)	(19)
Proceeds from exercise of stock options (in shares)		155,608
Proceeds from exercise of stock options	4,211	$ 156	4,055
Share-based compensation	2,745		2,745
Purchase of treasury shares (in shares)						28,438
Purchase of treasury shares	(1,456)					$ (1,456)
Net income	213,289			213,289
Dividends on common stock shares	(20,971)			(20,971)
Other comprehensive loss during the period	(8,481)				(8,481)
Balance at end of period (in shares) at Jun. 30, 2021		72,007,871
Balance at end of period (in shares) at Jun. 30, 2021						2,240,662
Balance at end of period at Jun. 30, 2021	2,837,004	$ 72,008	1,920,566	863,828	25,024	$ (44,422)
Balance at beginning of period (in shares) at Mar. 31, 2021		71,954,088
Balance at beginning of period (in shares) at Mar. 31, 2021						2,240,662
Balance at beginning of period at Mar. 31, 2021	2,757,596	$ 71,954	1,917,990	785,984	26,090	$ (44,422)
Issuance of restricted shares (in shares)		13,233
Issuance of restricted shares	0	$ 13	(13)
Forfeitures of restricted shares (in shares)		(750)
Forfeitures of restricted shares	(20)	$ (1)	(19)
Proceeds from exercise of stock options (in shares)		41,300
Proceeds from exercise of stock options	1,209	$ 42	1,167
Share-based compensation	1,441		1,441
Net income	88,327			88,327
Dividends on common stock shares	(10,483)			(10,483)
Other comprehensive loss during the period	(1,066)				(1,066)
Balance at end of period (in shares) at Jun. 30, 2021		72,007,871
Balance at end of period (in shares) at Jun. 30, 2021						2,240,662
Balance at end of period at Jun. 30, 2021	2,837,004	$ 72,008	1,920,566	863,828	25,024	$ (44,422)
Balance at beginning of period (in shares) at Dec. 31, 2021		72,017,126
Balance at beginning of period (in shares) at Dec. 31, 2021						2,407,898
Balance at beginning of period at Dec. 31, 2021	2,966,451	$ 72,017	1,924,813	1,006,436	15,590	$ (52,405)
Issuance of restricted shares (in shares)		164,346
Issuance of restricted shares	1,341	$ 164	1,177
Forfeitures of restricted shares (in shares)		(10,751)
Forfeitures of restricted shares	(91)	$ (10)	(81)
Proceeds from exercise of stock options (in shares)		81,135
Proceeds from exercise of stock options	2,324	$ 80	2,244
Share-based compensation	2,935		2,935
Purchase of treasury shares (in shares)						483,497
Purchase of treasury shares	(22,282)					$ (22,282)
Net income	171,764			171,764
Dividends on common stock shares	(20,841)			(20,841)
Other comprehensive loss during the period	(28,225)				(28,225)
Balance at end of period (in shares) at Jun. 30, 2022		72,251,856
Balance at end of period (in shares) at Jun. 30, 2022						2,891,395
Balance at end of period at Jun. 30, 2022	3,073,376	$ 72,251	1,931,088	1,157,359	(12,635)	$ (74,687)
Balance at beginning of period (in shares) at Mar. 31, 2022		72,212,322
Balance at beginning of period (in shares) at Mar. 31, 2022						2,773,238
Balance at beginning of period at Mar. 31, 2022	3,007,159	$ 72,212	1,928,702	1,077,725	(1,841)	$ (69,639)
Issuance of restricted shares (in shares)		18,953
Issuance of restricted shares	0	$ 19	(19)
Forfeitures of restricted shares (in shares)		(10,751)
Forfeitures of restricted shares	(92)	$ (11)	(81)
Proceeds from exercise of stock options (in shares)		31,332
Proceeds from exercise of stock options	880	$ 31	849
Share-based compensation	1,637		1,637
Purchase of treasury shares (in shares)						118,157
Purchase of treasury shares	(5,048)					$ (5,048)
Net income	90,066			90,066
Dividends on common stock shares	(10,432)			(10,432)
Other comprehensive loss during the period	(10,794)				(10,794)
Balance at end of period (in shares) at Jun. 30, 2022		72,251,856
Balance at end of period (in shares) at Jun. 30, 2022						2,891,395
Balance at end of period at Jun. 30, 2022	$ 3,073,376	$ 72,251	$ 1,931,088	$ 1,157,359	$ (12,635)	$ (74,687)

Consolidated Statements of Sh_2

Consolidated Statements of Shareholders’ Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Statement of Stockholders' Equity [Abstract]
Dividends on common share (in dollars per share)	$ 0.15	$ 0.15	$ 0.30	$ 0.30

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Operating Activities
Net income	$ 171,764	$ 213,289
Adjustments reconciling net income to net cash provided by (used in) operating activities:
Depreciation	9,191	8,226
Net losses on sale or disposal of premises and equipment	39	920
Net write-downs on other assets	0	149
Provision for credit losses	21,155	(28,449)
Net write-downs and (gains) losses on sale of other real estate owned	(1,758)	(558)
Share-based compensation expense	3,045	3,454
Amortization of intangible assets	10,325	8,191
Amortization of operating lease right of use assets	5,750	5,866
Provision for deferred taxes	10,505	26,488
Net amortization of investment securities available-for-sale	588	1,985
Net amortization of investment securities held-to-maturity	51	1
Net amortization of other investments	396	0
Net (gain) loss on securities	(221)	11
Accretion of discount on purchased loans, net	(627)	(10,589)
Net amortization on other borrowings	216	222
Amortization of subordinated deferrable interest debentures	997	986
Loan servicing asset recovery	(20,492)	(11,388)
Originations of mortgage loans held for sale	(2,406,310)	(4,425,420)
Payments received on mortgage loans held for sale	19,746	24,477
Proceeds from sales of mortgage loans held for sale	2,833,622	4,198,098
Net (gains) losses on sale of mortgage loans held for sale	78,173	(84,992)
Originations of SBA loans	(30,793)	(44,257)
Proceeds from sales of SBA loans	40,286	41,017
Net gains on sale of SBA loans	(3,484)	(3,453)
Increase in cash surrender value of bank owned life insurance	(3,716)	(2,078)
Gain on bank owned life insurance proceeds	0	(603)
Net gains on other loans held for sale	0	(457)
Change attributable to other operating activities	(24,580)	(13,363)
Net cash provided by (used in) operating activities	713,868	(92,227)
Investing Activities, net of effects of business combinations
Proceeds from maturities of time deposits in other banks	0	249
Purchases of securities available-for-sale	(613,715)	0
Purchases of investment securities held-to-maturity	(33,217)	(29,056)
Proceeds from maturities and paydowns of securities available-for-sale	117,664	192,022
Proceeds from maturities and paydowns of securities held-to-maturity	1,362	0
Net (increase) decrease in other investments	(2,123)	570
Net increase in loans	(1,533,706)	(219,110)
Purchases of premises and equipment	(8,192)	(17,196)
Proceeds from sale of premises and equipment	46	946
Proceeds from sales of other real estate owned	4,962	7,902
Purchases of bank owned life insurance	(50,000)	(100,000)
Proceeds from bank owned life insurance	0	1,309
Payments received on other loans held for sale	0	9,136
Proceeds from sales of other loans held for sale	0	156,803
Net cash and cash equivalents paid in acquisitions	(14,003)	0
Net cash provided by (used in) investing activities	(2,130,922)	3,575
Financing Activities, net of effects of business combinations
Net increase in deposits	19,429	1,300,174
Net decrease in securities sold under agreements to repurchase	(4,892)	(6,097)
Repayment of other borrowings	(314,503)	(74)
Proceeds from exercise of stock options	2,324	4,211
Dividends paid - common stock	(20,843)	(20,888)
Purchase of treasury shares	(22,282)	(1,456)
Net cash provided by (used in) financing activities	(340,767)	1,275,870
Net increase (decrease) in cash, cash equivalents and restricted cash	(1,757,821)	1,187,218
Cash, cash equivalents and restricted cash at beginning of period	4,064,657	2,117,306
Cash, cash equivalents and restricted cash at end of period	2,306,836	3,304,524
Cash paid during the period for:
Interest	23,472	25,985
Income taxes	51,851	30,924
Loans transferred to other real estate owned	229	1,239
Loans transferred from loans held for sale to loans held for investment	167,727	85,748
Loans provided for the sales of other real estate owned	2,288	1,052
Right-of-use assets obtained in exchange for new operating lease liabilities	1,537	2,932
Assets acquired in business acquisitions	10,734	0
Liabilities assumed in business acquisitions	(3,269)	0
Change in unrealized gain (loss) on securities available-for-sale, net of tax	$ (28,225)	$ (8,481)

BASIS OF PRESENTATION AND ACCOU

BASIS OF PRESENTATION AND ACCOUNTING POLICIES	6 Months Ended
	Jun. 30, 2022
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 June 30, 2022, the Bank operated 164 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 three and six month periods ended June 30, 2022 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, 2021. In preparing the consolidated financial statements in conformity with GAAP, 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, federal funds sold and restricted cash. Restricted cash held for securitization investors, which are reported on the Company's consolidated balance sheets in cash and due from banks, was $0 and $43.0 million at June 30, 2022 and December 31, 2021, respectively. 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 Pending Adoption ASU No. 2022-02 – Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures ("ASU 2022-02"). ASU 2022-02 eliminates the troubled debt restructuring ("TDR") measurement and recognition guidance and requires that entities evaluate whether the modification represents a new loan or a continuation of an existing loan consistent with the accounting for other loan modifications. Additional disclosures relating to modifications to borrowers experiencing financial difficulty are required under ASU 2022-02. ASU 2022-02 also requires disclosure of current-period gross write-offs by year of origination. ASU 2022-02 is effective for annual periods beginning after December 15, 2022, including interim periods within those fiscal years. The amendments of ASU 2022-02 should be adopted prospectively. The amendments related to the recognition and measurement of TDRs may optionally be adopted using a modified retrospective transition method. Early adoption is permitted. The Company is currently evaluating the impact on the consolidated financial statements of adopting ASU 2022-02. 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 on the consolidated financial statements of adopting ASU 2021-01. 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 on the consolidated financial statements of adopting ASU 2020-04.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	6 Months Ended
	Jun. 30, 2022
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 gross unrealized gains and losses are summarized as follows: (dollars in thousands) Securities available-for-sale Amortized Allowance for Credit Losses Gross Gross Estimated June 30, 2022 U.S. Treasuries $ 314,613 $ — $ — $ (1,724) $ 312,889 U.S. government-sponsored agencies 2,050 — — (29) 2,021 State, county and municipal securities 41,428 — 261 (726) 40,963 Corporate debt securities 15,897 (88) 2 (348) 15,463 SBA pool securities 35,854 — 6 (1,429) 34,431 Mortgage-backed securities 658,508 — 420 (12,427) 646,501 Total debt securities available-for-sale $ 1,068,350 $ (88) $ 689 $ (16,683) $ 1,052,268 December 31, 2021 U.S. government-sponsored agencies $ 7,084 $ — $ 88 $ — $ 7,172 State, county and municipal securities 45,470 — 2,342 — 47,812 Corporate debt securities 27,897 — 719 (120) 28,496 SBA pool securities 44,312 — 958 (69) 45,201 Mortgage-backed securities 448,124 — 15,822 (6) 463,940 Total debt securities available-for-sale $ 572,887 $ — $ 19,929 $ (195) $ 592,621 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 June 30, 2022 State, county and municipal securities $ 31,905 $ — $ (4,279) $ 27,626 Mortgage-backed securities 79,749 — (10,231) 69,518 Total debt securities held-to-maturity $ 111,654 $ — $ (14,510) $ 97,144 December 31, 2021 State, county and municipal securities $ 8,905 $ 4 $ (198) $ 8,711 Mortgage-backed securities 70,945 — (1,450) 69,495 Total debt securities held-to-maturity $ 79,850 $ 4 $ (1,648) $ 78,206 The amortized cost and estimated fair value of debt securities available-for-sale and held-to-maturity as of June 30, 2022, 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 $ 6,745 $ 6,754 $ — $ — Due from one year to five years 339,429 337,279 — — Due from five to ten years 31,462 31,085 — — Due after ten years 32,206 30,649 31,905 27,626 Mortgage-backed securities 658,508 646,501 79,749 69,518 $ 1,068,350 $ 1,052,268 $ 111,654 $ 97,144 Securities with a carrying value of approximately $298.2 million and $366.7 million at June 30, 2022 and December 31, 2021, 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 June 30, 2022 and December 31, 2021: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities available-for-sale Estimated Unrealized Estimated Unrealized Estimated Unrealized June 30, 2022 U.S. Treasuries $ 312,889 $ (1,724) $ — $ — $ 312,889 $ (1,724) U.S. government-sponsored agencies 2,021 (29) — — 2,021 (29) State, county and municipal securities 15,199 (726) — — 15,199 (726) Corporate debt securities 12,244 (256) 1,320 (92) 13,564 (348) SBA pool securities 31,755 (1,379) 2,310 (50) 34,065 (1,429) Mortgage-backed securities 569,386 (12,427) 1 — 569,387 (12,427) Total debt securities available-for-sale $ 943,494 $ (16,541) $ 3,631 $ (142) $ 947,125 $ (16,683) December 31, 2021 Corporate debt securities $ — $ — $ 1,380 $ (120) $ 1,380 $ (120) SBA pool securities 1,312 (6) 2,572 (63) 3,884 (69) Mortgage-backed securities 5,514 (6) 1 — 5,515 (6) Total debt securities available-for-sale $ 6,826 $ (12) $ 3,953 $ (183) $ 10,779 $ (195) As of June 30, 2022, the Company’s available-for-sale security portfolio consisted of 433 securities, 331 of which were in an unrealized loss position. At June 30, 2022, the Company held 270 mortgage-backed securities that were in an unrealized loss position, all of which were issued by U.S. government-sponsored entities and agencies. At June 30, 2022, the Company held 33 U.S. Small Business Administration (“SBA”) pool securities, 12 state, county and municipal securities, four corporate securities two U.S. government-sponsored agency securities, and ten US Treasury 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 June 30, 2022: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities held-to-maturity Estimated Unrealized Estimated Unrealized Estimated Unrealized June 30, 2022 State, county and municipal securities $ 27,626 $ (4,279) $ — $ — $ 27,626 $ (4,279) Mortgage-backed securities 69,518 (10,231) — — 69,518 (10,231) Total debt securities held-to-maturity $ 97,144 $ (14,510) $ — $ — $ 97,144 $ (14,510) December 31, 2021 State, county and municipal securities $ 3,707 $ (198) $ — $ — $ 3,707 $ (198) Mortgage-backed securities 69,495 (1,450) — — 69,495 (1,450) Total debt securities held-to-maturity $ 73,202 $ (1,648) $ — $ — $ 73,202 $ (1,648) As of June 30, 2022, the Company’s held-to-maturity security portfolio consisted of 19 securities, 19 of which were in an unrealized loss position. At June 30, 2022, the Company held 13 mortgage-backed securities and six state, county and municipal securities that were in an unrealized loss position. During 2022 and 2021, 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 June 30, 2022 or December 31, 2021. At June 30, 2022 and December 31, 2021, 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 June 30, 2022, 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 June 30, 2022, management determined that $88,000 was attributable to credit impairment and an allowance for credit losses was recorded. The remaining $16.7 million in unrealized loss was determined to be from factors other than credit. (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, Allowance for credit losses 2022 2021 2022 2021 Beginning balance $ — $ 101 $ — $ 112 Provision for expected credit losses 88 (20) 88 (31) Ending balance $ 88 $ 81 $ 88 $ 81 The Company's held-to-maturity securities have no expected credit losses, and no related allowance for credit losses has been established. Total net gain (loss) on securities reported on the consolidated statements of income and comprehensive income is comprised of the following for the three and six months ended June 30, 2022 and 2021: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2022 2021 2022 2021 Unrealized holding gains (losses) on equity securities $ (22) $ 1 $ (49) $ (11) Net realized gains on sales of other investments 270 — 270 — Net gain (loss) on securities $ 248 $ 1 $ 221 $ (11)

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	6 Months Ended
	Jun. 30, 2022
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) June 30, 2022 December 31, 2021 Commercial, financial and agricultural $ 2,022,845 $ 1,875,993 Consumer installment 167,237 191,298 Indirect automobile 172,245 265,779 Mortgage warehouse 949,191 787,837 Municipal 529,268 572,701 Premium finance 942,357 798,409 Real estate – construction and development 1,747,284 1,452,339 Real estate – commercial and farmland 7,156,017 6,834,917 Real estate – residential 3,874,578 3,094,985 $ 17,561,022 $ 15,874,258 Accrued interest receivable on loans is reported in other assets on the consolidated balance sheets totaling $53.1 million and $54.8 million at June 30, 2022 and December 31, 2021, respectively. The Company recorded an allowance for credit losses of $0 and $214,000 related to deferred interest on loans modified under its Disaster Relief Program at June 30, 2022 and December 31, 2021, 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) June 30, 2022 December 31, 2021 Commercial, financial and agricultural $ 11,742 $ 14,214 Consumer installment 473 476 Indirect automobile 465 947 Real estate – construction and development 178 492 Real estate – commercial and farmland 21,158 15,365 Real estate – residential 88,896 53,772 $ 122,912 $ 85,266 There was no interest income recognized on nonaccrual loans during the six months ended June 30, 2022 and 2021. The following table presents an analysis of nonaccrual loans with no related allowance for credit losses: (dollars in thousands) June 30, 2022 December 31, 2021 Commercial, financial and agricultural $ — $ 164 Real estate – construction and development — 209 Real estate – commercial and farmland 2,448 2,061 Real estate – residential 5,071 7,942 $ 7,519 $ 10,376 The following table presents an analysis of past-due loans as of June 30, 2022 and December 31, 2021: (dollars in thousands) Loans Loans Loans 90 Total Current Total Loans 90 June 30, 2022 Commercial, financial and agricultural $ 3,822 $ 3,725 $ 11,063 $ 18,610 $ 2,004,235 $ 2,022,845 $ 1,697 Consumer installment 1,132 739 699 2,570 164,667 167,237 466 Indirect automobile 394 137 296 827 171,418 172,245 — Mortgage warehouse — — — — 949,191 949,191 — Municipal — — — — 529,268 529,268 — Premium finance 7,462 6,398 5,795 19,655 922,702 942,357 5,795 Real estate – construction and development 18,050 5,677 633 24,360 1,722,924 1,747,284 584 Real estate – commercial and farmland 2,706 11,334 3,666 17,705 7,138,312 7,156,017 — Real estate – residential 27,385 8,877 86,400 122,662 3,751,916 3,874,578 — Total $ 60,951 $ 36,887 $ 108,552 $ 206,389 $ 17,354,633 $ 17,561,022 $ 8,542 December 31, 2021 Commercial, financial and agricultural $ 3,431 $ 2,005 $ 12,017 $ 17,453 $ 1,858,540 $ 1,875,993 $ 1,165 Consumer installment 1,786 871 891 3,548 187,750 191,298 584 Indirect automobile 772 185 473 1,430 264,349 265,779 — Mortgage warehouse — — — — 787,837 787,837 — Municipal — — — — 572,701 572,701 — Premium finance 6,992 4,340 9,134 20,466 777,943 798,409 9,134 Real estate – construction and development 16,601 1,398 2,190 20,189 1,432,150 1,452,339 1,758 Real estate – commercial and farmland 6,713 1,150 5,924 13,787 6,821,130 6,834,917 7 Real estate – residential 17,729 4,266 49,839 71,834 3,023,151 3,094,985 — Total $ 54,024 $ 14,215 $ 80,468 $ 148,707 $ 15,725,551 $ 15,874,258 $ 12,648 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: June 30, 2022 December 31, 2021 (dollars in thousands) Balance Allowance for Credit Losses Balance Allowance for Credit Losses Commercial, financial and agricultural $ 1,695 $ 168 $ 2,613 $ 723 Premium finance 1,136 91 2,989 30 Real estate – construction and development — — 1,432 45 Real estate – commercial and farmland 22,820 2,096 33,332 6,646 Real estate – residential 14,317 1,580 11,712 453 $ 39,968 $ 3,935 $ 52,078 $ 7,897 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 June 30, 2022 and December 31, 2021. 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 June 30, 2022 or December 31, 2021. As of June 30, 2022 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2022 2021 2020 2019 2018 Prior Total Commercial, Financial and Agricultural Risk Grade: Pass $ 527,870 $ 637,107 $ 214,934 $ 143,779 $ 85,058 $ 59,648 $ 331,032 $ 1,999,428 6 — 151 92 274 160 2,881 794 4,352 7 6,618 1,160 445 3,122 1,400 4,151 2,169 19,065 Total commercial, financial and agricultural $ 534,488 $ 638,418 $ 215,471 $ 147,175 $ 86,618 $ 66,680 $ 333,995 $ 2,022,845 Consumer Installment Risk Grade: Pass $ 25,920 $ 18,153 $ 46,134 $ 28,754 $ 21,530 $ 16,607 $ 8,804 $ 165,902 6 — — — — — 130 5 135 7 24 81 321 169 89 430 86 1,200 Total consumer installment $ 25,944 $ 18,234 $ 46,455 $ 28,923 $ 21,619 $ 17,167 $ 8,895 $ 167,237 Indirect Automobile Risk Grade: Pass $ — $ — $ — $ 15,350 $ 72,999 $ 82,645 $ — $ 170,994 6 — — — — — 20 — 20 7 — — — 50 224 957 — 1,231 Total indirect automobile $ — $ — $ — $ 15,400 $ 73,223 $ 83,622 $ — $ 172,245 Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 949,191 $ 949,191 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 949,191 $ 949,191 Municipal Risk Grade: Pass $ 10,775 $ 43,922 $ 194,357 $ 13,779 $ 4,853 $ 261,582 $ — $ 529,268 Total municipal $ 10,775 $ 43,922 $ 194,357 $ 13,779 $ 4,853 $ 261,582 $ — $ 529,268 Premium Finance Risk Grade: Pass $ 790,855 $ 146,821 $ 110 $ — $ — $ 75 $ — $ 937,861 7 1,766 2,729 1 — — — — 4,496 Total premium finance $ 792,621 $ 149,550 $ 111 $ — $ — $ 75 $ — $ 942,357 Real Estate – Construction and Development Risk Grade: Pass $ 380,485 $ 844,549 $ 299,850 $ 128,437 $ 12,891 $ 30,227 $ 26,205 $ 1,722,644 6 4,330 5,241 432 — 48 580 — 10,631 7 216 218 211 26 13,079 259 — 14,009 Total real estate – construction and development $ 385,031 $ 850,008 $ 300,493 $ 128,463 $ 26,018 $ 31,066 $ 26,205 $ 1,747,284 As of June 30, 2022 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2022 2021 2020 2019 2018 Prior Total Real Estate – Commercial and Farmland Risk Grade: Pass $ 993,793 $ 2,069,024 $ 1,150,513 $ 891,580 $ 496,721 $ 1,373,284 $ 72,965 $ 7,047,880 6 607 — — 29,343 1,163 18,007 — 49,120 7 — 3,259 2,588 13,777 6,967 32,408 18 59,017 Total real estate – commercial and farmland $ 994,400 $ 2,072,283 $ 1,153,101 $ 934,700 $ 504,851 $ 1,423,699 $ 72,983 $ 7,156,017 Real Estate - Residential Risk Grade: Pass $ 880,233 $ 1,243,230 $ 582,823 $ 290,790 $ 123,347 $ 438,034 $ 214,894 $ 3,773,351 6 64 218 47 608 508 2,680 61 4,186 7 268 9,398 18,956 29,041 14,331 23,395 1,652 97,041 Total real estate - residential $ 880,565 $ 1,252,846 $ 601,826 $ 320,439 $ 138,186 $ 464,109 $ 216,607 $ 3,874,578 Total Loans Risk Grade: Pass $ 3,609,931 $ 5,002,806 $ 2,488,721 $ 1,512,469 $ 817,399 $ 2,262,102 $ 1,603,091 $ 17,296,519 6 5,001 5,610 571 30,225 1,879 24,298 860 68,444 7 8,892 16,845 22,522 46,185 36,090 61,600 3,925 196,059 Total loans $ 3,623,824 $ 5,025,261 $ 2,511,814 $ 1,588,879 $ 855,368 $ 2,348,000 $ 1,607,876 $ 17,561,022 As of December 31, 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 $ 903,630 $ 279,037 $ 188,810 $ 118,613 $ 50,737 $ 40,376 $ 262,951 $ 1,844,154 6 190 — 393 427 368 1,832 1,961 5,171 7 9,216 1,268 4,098 1,472 2,566 6,019 2,029 26,668 Total commercial, financial and agricultural $ 913,036 $ 280,305 $ 193,301 $ 120,512 $ 53,671 $ 48,227 $ 266,941 $ 1,875,993 Consumer Installment Risk Grade: Pass $ 35,781 $ 59,221 $ 37,195 $ 27,266 $ 9,787 $ 11,021 $ 9,437 $ 189,708 6 — — — — — 135 5 140 7 59 283 290 216 103 405 94 1,450 Total consumer installment $ 35,840 $ 59,504 $ 37,485 $ 27,482 $ 9,890 $ 11,561 $ 9,536 $ 191,298 Indirect Automobile Risk Grade: Pass $ — $ — $ 20,276 $ 101,969 $ 90,294 $ 51,468 $ — $ 264,007 6 — — — 24 10 19 — 53 7 — — 55 234 384 1,046 — 1,719 Total indirect automobile $ — $ — $ 20,331 $ 102,227 $ 90,688 $ 52,533 $ — $ 265,779 As of December 31, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 787,837 $ 787,837 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 787,837 $ 787,837 Municipal Risk Grade: Pass $ 44,727 $ 219,385 $ 14,831 $ 5,494 $ 109,040 $ 179,224 $ — $ 572,701 Total municipal $ 44,727 $ 219,385 $ 14,831 $ 5,494 $ 109,040 $ 179,224 $ — $ 572,701 Premium Finance Risk Grade: Pass $ 787,884 $ 1,059 $ 26 $ — $ 302 $ 4 $ — $ 789,275 7 9,039 95 — — — — — 9,134 Total premium finance $ 796,923 $ 1,154 $ 26 $ — $ 302 $ 4 $ — $ 798,409 Real Estate – Construction and Development Risk Grade: Pass $ 826,094 $ 290,814 $ 176,476 $ 35,773 $ 24,533 $ 44,514 $ 21,267 $ 1,419,471 6 6,527 549 — 15,260 — 2,101 — 24,437 7 1,143 678 7 2,476 57 1,011 3,059 8,431 Total real estate – construction and development $ 833,764 $ 292,041 $ 176,483 $ 53,509 $ 24,590 $ 47,626 $ 24,326 $ 1,452,339 Real Estate – Commercial and Farmland Risk Grade: Pass $ 2,186,291 $ 1,205,578 $ 1,119,239 $ 542,295 $ 486,477 $ 1,103,675 $ 80,379 $ 6,723,934 6 416 — 1,036 14,760 5,334 21,665 — 43,211 7 4,709 2,682 11,109 9,076 4,861 35,315 20 67,772 Total real estate – commercial and farmland $ 2,191,416 $ 1,208,260 $ 1,131,384 $ 566,131 $ 496,672 $ 1,160,655 $ 80,399 $ 6,834,917 Real Estate - Residential Risk Grade: Pass $ 1,171,008 $ 638,232 $ 329,247 $ 149,990 $ 108,538 $ 408,240 $ 217,982 $ 3,023,237 6 145 66 1,106 505 356 3,717 49 5,944 7 2,405 10,167 21,239 11,376 4,597 13,970 2,050 65,804 Total real estate - residential $ 1,173,558 $ 648,465 $ 351,592 $ 161,871 $ 113,491 $ 425,927 $ 220,081 $ 3,094,985 Total Loans Risk Grade: Pass $ 5,955,415 $ 2,693,326 $ 1,886,100 $ 981,400 $ 879,708 $ 1,838,522 $ 1,379,853 $ 15,614,324 6 7,278 615 2,535 30,976 6,068 29,469 2,015 78,956 7 26,571 15,173 36,798 24,850 12,568 57,766 7,252 180,978 Total loans $ 5,989,264 $ 2,709,114 $ 1,925,433 $ 1,037,226 $ 898,344 $ 1,925,757 $ 1,389,120 $ 15,874,258 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 modifies 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 six months of 2022 and 2021 totaling $214.8 million and $220.8 million, respectively, under such parameters. As of June 30, 2022 and December 31, 2021, the Company had a balance of $41.8 million and $76.6 million, respectively, in troubled debt restructurings. The Company has recorded $698,000 and $654,000 in previous charge-offs on such loans at June 30, 2022 and December 31, 2021, respectively. The Company’s balance in the allowance for credit losses allocated to such troubled debt restructurings was $2.5 million and $10.5 million at June 30, 2022 and December 31, 2021, respectively. At June 30, 2022, 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 six months ended June 30, 2022 and 2021. These modifications did not have a material impact on the Company’s allowance for credit losses. Three Months Ended June 30, Six Months Ended June 30, 2022 2021 2022 2021 Loan Class # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 2 $ 502 2 $ 165 2 $ 502 6 $ 591 Consumer installment — — 2 8 — — 2 8 Premium finance 2 756 — — 6 993 — — Real estate – commercial and farmland 2 578 3 8,653 2 578 5 16,312 Real estate – residential 2 462 2 472 5 1,437 12 1,457 Total 8 $ 2,298 9 $ 9,298 15 $ 3,510 25 $ 18,368 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 six months ended June 30, 2022 and 2021. These defaults did not have a material impact on the Company's allowance for credit losses. Three Months Ended June 30, Six Months Ended June 30, 2022 2021 2022 2021 Loan Class # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural — $ — — $ — 1 $ 357 3 $ 49 Consumer installment — — — — 2 3 4 5 Indirect automobile 3 2 7 27 12 22 22 112 Real estate – construction and development — — — — — — 1 1 Real estate – commercial and farmland — — 1 202 1 8 3 5,382 Real estate – residential 11 1,071 17 940 21 2,791 27 1,646 Total 14 $ 1,073 25 $ 1,169 37 $ 3,181 60 $ 7,195 The following table presents the amount of troubled debt restructurings by loan class classified separately as accrual and nonaccrual at June 30, 2022 and December 31, 2021: June 30, 2022 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 9 $ 964 3 $ 364 Consumer installment 4 9 10 14 Indirect automobile 196 759 30 122 Premium finance 6 993 — — Real estate – construction and development 2 706 — — Real estate – commercial and farmland 18 8,213 4 788 Real estate – residential 210 24,456 31 4,369 Total 445 $ 36,100 78 $ 5,657 December 31, 2021 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 12 $ 1,286 6 $ 83 Consumer installment 7 16 17 35 Indirect automobile 233 1,037 52 273 Real estate – construction and development 4 789 1 13 Real estate – commercial and farmland 25 35,575 5 5,924 Real estate – residential 213 26,879 39 4,678 Total 494 $ 65,582 120 $ 11,006 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 (the “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 after the reasonable and supportable forecast period. During the six months ended June 30, 2022, the allowance for credit losses increased due to organic loan growth, partially offset by improvement in forecasted macroeconomic factors. The allowance for credit losses was determined at June 30, 2022 using a weighting of four economic forecasts from Moody's. The Moody's Consensus scenario was weighted at 20%, the downside 75th percentile S-2 scenario was weighted at 30%, the downside 90th percentile S-3 scenario was weighted at 20%, and the stagflation scenario was weighted at 30%. The allowance for credit losses was determined at December 31, 2021 using a weighting of five economic forecasts from Moody's. The Moody's baseline scenario was weighted at 10%, the downside 75th percentile S-2 scenario was weighted at 10%, the downside 90th percentile S-3 scenario was weighted at 50%, the slower trend growth scenario was weighted at 20% and the stagflation scenario was weighted at 10%. The current forecast reflects, among other things, improvements in forecast levels of home prices, commercial real estate prices and unemployment compared with the forecast at December 31, 2021. 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 June 30, 2022 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, March 31, 2022 $ 25,526 $ 5,619 $ 373 $ 3,010 $ 384 $ 2,515 Provision for loan losses 1,738 557 (306) 875 (13) 200 Loans charged off (4,391) (1,137) (41) — — (1,066) Recoveries of loans previously charged off 2,785 230 265 — — 1,113 Balance, June 30, 2022 $ 25,658 $ 5,269 $ 291 $ 3,885 $ 371 $ 2,762 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, March 31, 2022 $ 26,831 $ 67,033 $ 29,960 $ 161,251 Provision for loan losses (3,954) (7,647) 21,777 13,227 Loans charged off — (81) (137) (6,853) Recoveries of loans previously charged off 355 44 225 5,017 Balance, June 30, 2022 $ 23,232 $ 59,349 $ 51,825 $ 172,642 Six Months Ended June 30, 2022 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2021 $ 26,829 $ 6,097 $ 476 $ 3,231 $ 401 $ 2,729 Provision for loan losses 1,953 1,346 (596) 654 (30) 108 Loans charged off (8,805) (2,562) (129) — — (2,435) Recoveries of loans previously charged off 5,681 388 540 — — 2,360 Balance, June 30, 2022 $ 25,658 $ 5,269 $ 291 $ 3,885 $ 371 $ 2,762 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2021 $ 22,045 $ 77,831 $ 27,943 $ 167,582 Provision for loan losses 614 (17,199) 23,643 10,493 Loans charged off — (1,364) (137) (15,432) Recoveries of loans previously charged off 573 81 376 9,999 Balance, June 30, 2022 $ 23,232 $ 59,349 $ 51,825 $ 172,642 Three Months Ended June 30, 2021 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, March 31, 2021 $ 8,291 $ 8,790 $ 1,272 $ 3,521 $ 790 $ 4,100 Provision for loan losses 1,502 491 (423) (156) (13) (833) Loans charged off (3,529) (1,669) (141) — — (1,194) Recoveries of loans previously charged off 625 212 372 — — 2,466 Balance, June 30, 2021 $ 6,889 $ 7,824 $ 1,080 $ 3,365 $ 777 $ 4,539 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, March 31, 2021 $ 22,858 $ 91,211 $ 37,737 $ 178,570 Provision for loan losses (3,757) (3,031) 5,321 (899) Loans charged off (186) (27) (392) (7,138) Recoveries of loans previously charged off 84 185 593 4,537 Balance, June 30, 2021 $ 18,999 $ 88,338 $ 43,259 $ 175,070 Six Months Ended June 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 4,077 6,297 (951) (301) (14) (391) Loans charged off (5,899) (3,117) (970) — — (2,537) Recoveries of loans previously charged off 1,352 568 1,072 — — 3,588 Balance, June 30, 2021 $ 6,889 $ 7,824 $ 1,080 $ 3,365 $ 777 $ 4,539 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 (26,344) 640 (491) (17,478) Loans charged off (212) (1,422) (555) (14,712) Recoveries of loans previously charged off 251 226 781 7,838 Balance, June 30, 2021 $ 18,999 $ 88,338 $ 43,259 $ 175,070

SECURITIES SOLD UNDER AGREEMENT

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	6 Months Ended
	Jun. 30, 2022
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 June 30, 2022 and December 31, 2021, all securities sold under agreements to repurchase mature on a daily basis. The market value of the securities fluctuates 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 falls 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 June 30, 2022 and December 31, 2021: (dollars in thousands) June 30, 2022 December 31, 2021 Securities sold under agreements to repurchase $ 953 $ 5,845

OTHER BORROWINGS

OTHER BORROWINGS	6 Months Ended
	Jun. 30, 2022
Debt Disclosure [Abstract]
OTHER BORROWINGS	NOTE 5 – OTHER BORROWINGS Other borrowings consist of the following: (dollars in thousands) June 30, 2022 December 31, 2021 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% 1,394 1,400 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 965 969 Principal Reducing Advance due September 29, 2031; fixed interest rate of 3.095% 1,348 1,421 Subordinated notes payable: Subordinated notes payable due June 1, 2026, net of unaccreted purchase accounting fair value adjustment of $— and $500, respectively; fixed interest rate of 5.50% — 50,500 Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $616 and $681, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616% 74,384 74,319 Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $1,801 and $1,923, respectively; fixed interest rate of 4.25% through December 14, 2024; variable interest rate thereafter at three-month SOFR plus 2.94% 118,199 118,077 Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $967 and $1,028, respectively; fixed interest rate of 5.875% through May 31, 2025; variable interest rate thereafter at three-month LIBOR plus 3.63% 75,967 76,028 Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,665 and $1,766, respectively; fixed interest rate of 3.875% through September 30, 2025; variable interest rate thereafter at three-month SOFR plus 3.753% 108,335 108,234 Securitization Facilities: Equipment contract backed notes, Series 2018-1 (BCC XIV) due on various dates through 2025 and bear a weighted-average interest rate of 5.11% — 19,199 Equipment contract backed notes, Series 2019-1 (BCC XVI) due on various dates through 2027 and bear a weighted-average interest rate of 2.84% — 139,329 Equipment contract backed notes, Series 2020-1 (BCC XVII) due on various dates through 2027 and bear a weighted-average interest rate of 1.48% — 105,403 $ 425,592 $ 739,879 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 June 30, 2022, $4.19 billion was available for borrowing on lines with the FHLB. As of June 30, 2022, 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 June 30, 2022, the Bank had $2.91 billion of loans pledged at the Federal Reserve discount window and had $2.21 billion available for borrowing.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME	6 Months Ended
	Jun. 30, 2022
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. 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 Accumulated Other Comprehensive Income (Loss) Three Months Ended June 30, 2022 Balance, March 31, 2022 $ (1,841) $ (1,841) Reclassification for gains included in net income, net of tax — — Current year changes, net of tax (10,794) (10,794) Balance, June 30, 2022 $ (12,635) $ (12,635) Three Months Ended June 30, 2021 Balance, March 31, 2021 $ 26,090 $ 26,090 Reclassification for gains included in net income, net of tax — — Current year changes, net of tax (1,066) (1,066) Balance, June 30, 2021 $ 25,024 $ 25,024 Six Months Ended June 30, 2022 Balance, December 31, 2021 $ 15,590 $ 15,590 Reclassification for gains included in net income, net of tax — — Current year changes, net of tax (28,225) (28,225) Balance, June 30, 2022 $ (12,635) $ (12,635) Six Months Ended June 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 (8,481) (8,481) Balance, June 30, 2021 $ 25,024 $ 25,024

WEIGHTED AVERAGE SHARES OUTSTAN

WEIGHTED AVERAGE SHARES OUTSTANDING	6 Months Ended
	Jun. 30, 2022
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 Six Months Ended (share data in thousands) 2022 2021 2022 2021 Average common shares outstanding 69,136 69,497 69,246 69,448 Common share equivalents: Stock options 16 64 24 74 Nonvested restricted share grants 46 151 97 153 Performance stock units 118 80 118 90 Average common shares outstanding, assuming dilution 69,316 69,792 69,485 69,765 For the three months ended June 30, 2022, there were 33,536 anti-dilutive performance stock units excluded from the computation of earnings per share. There were no anti-dilutive securities excluded from the computation of earnings per share for the six months ended June 30, 2022 or for the three- and six-months ended June 30, 2021.

FAIR VALUE MEASURES

FAIR VALUE MEASURES	6 Months Ended
	Jun. 30, 2022
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) June 30, 2022 December 31, 2021 Mortgage loans held for sale $ 555,039 $ 1,247,997 SBA loans held for sale 626 6,635 Total loans held for sale $ 555,665 $ 1,254,632 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 $11.2 million and a net loss of $32.7 million resulting from changes in fair value of these mortgage loans was recorded in income during the three and six months ended June 30, 2022, respectively. For the three and six months ended June 30, 2021, a net gain of $10.0 million and a net loss of $15.1 million, respectively, resulting from changes in fair value of these mortgage loans was recorded in income. A net losses of $27.1 million and $1.2 million, respectively, 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 was recorded in income during the three and six months ended June 30, 2022, respectively. For the three and six months ended June 30, 2021, net losses of $45.1 million and $17.6 million, respectively, resulting from changes in the fair value of the related derivative financial instruments was recorded in income. The changes 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 June 30, 2022 and December 31, 2021: (dollars in thousands) June 30, 2022 December 31, 2021 Aggregate fair value of mortgage loans held for sale $ 555,039 $ 1,247,997 Aggregate unpaid principal balance of mortgage loans held for sale 551,420 1,211,646 Past-due loans of 90 days or more 694 746 Nonaccrual loans 694 746 Unpaid principal balance of nonaccrual loans 712 718 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 June 30, 2022 and December 31, 2021: (dollars in thousands) June 30, 2022 December 31, 2021 Aggregate fair value of SBA loans held for sale $ 626 $ 6,635 Aggregate unpaid principal balance of SBA loans held for sale 565 5,825 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 June 30, 2022 and December 31, 2021: Recurring Basis June 30, 2022 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. Treasuries $ 312,889 $ 312,889 $ — $ — U.S. government sponsored agencies 2,021 — 2,021 — State, county and municipal securities 40,963 — 40,963 — Corporate debt securities 15,463 — 14,143 1,320 SBA pool securities 34,431 — 34,431 — Mortgage-backed securities 646,501 — 646,501 — Loans held for sale 555,665 — 555,665 — Mortgage banking derivative instruments 10,079 — 10,079 — Total recurring assets at fair value $ 1,618,012 $ 312,889 $ 1,303,803 $ 1,320 Recurring Basis December 31, 2021 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. government sponsored agencies $ 7,172 $ — $ 7,172 $ — State, county and municipal securities 47,812 — 47,812 — Corporate debt securities 28,496 — 27,116 1,380 SBA pool securities 45,201 — 45,201 — Mortgage-backed securities 463,940 — 463,940 — Loans held for sale 1,254,632 — 1,254,632 — Mortgage banking derivative instruments 11,940 — 11,940 — Total recurring assets at fair value $ 1,859,193 $ — $ 1,857,813 $ 1,380 Financial liabilities: Mortgage banking derivative instruments $ 710 $ — $ 710 $ — Total recurring liabilities at fair value $ 710 $ — $ 710 $ — 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 June 30, 2022 and December 31, 2021: Nonrecurring Basis (dollars in thousands) Fair Value Level 1 Level 2 Level 3 June 30, 2022 Collateral-dependent loans $ 36,033 $ — $ — $ 36,033 Other real estate owned 702 — — 702 Mortgage servicing rights 257,112 — — 257,112 Total nonrecurring assets at fair value $ 293,847 $ — $ — $ 293,847 December 31, 2021 Collateral-dependent loans $ 44,181 $ — $ — $ 44,181 Mortgage servicing rights 206,944 — — 206,944 Total nonrecurring assets at fair value $ 251,125 $ — $ — $ 251,125 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 six months ended June 30, 2022 and the year ended December 31, 2021, 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 June 30, 2022 Recurring: Debt securities available-for-sale $ 1,320 Discounted par values Probability of Default 13% 13% Loss Given Default 44% 44% Nonrecurring: Collateral-dependent loans $ 36,033 Third-party appraisals and discounted cash flows Collateral discounts and 0% - 40% 31% Other real estate owned $ 702 Third-party appraisals and sales contracts Collateral discounts and estimated 15% - 55% 37% Mortgage servicing rights $ 257,112 Discounted cash flows Discount rate 10% - 11% 10% Prepayment speed 4% - 22% 8% December 31, 2021 Recurring: Debt securities available-for-sale $ 1,380 Discounted par values Discount Rate 8% 8% Nonrecurring: Collateral-dependent loans $ 44,181 Third-party appraisals and discounted cash flows Collateral discounts and 0% - 50% 39% Mortgage servicing rights $ 206,944 Discounted cash flows Discount rate 9% - 10% 9% Prepayment speed 10% - 40% 13% 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 June 30, 2022 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 345,627 $ 345,627 $ — $ — $ 345,627 Federal funds sold and interest-bearing accounts 1,961,209 1,961,209 — — 1,961,209 Debt securities held-to-maturity 111,654 — 97,144 — 97,144 Loans, net 17,352,347 — — 17,056,635 17,056,635 Accrued interest receivable 56,995 — 3,867 53,128 56,995 Financial liabilities: Deposits 19,684,982 — 19,682,653 — 19,682,653 Securities sold under agreements to repurchase 953 953 — — 953 Other borrowings 425,592 — 418,722 — 418,722 Subordinated deferrable interest debentures 127,325 — 117,240 — 117,240 Accrued interest payable 2,875 — 2,875 — 2,875 Fair Value Measurements December 31, 2021 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 307,813 $ 307,813 $ — $ — $ 307,813 Federal funds sold and interest-bearing accounts 3,756,844 3,756,844 — — 3,756,844 Debt securities held-to-maturity 79,850 — 78,206 — 78,206 Loans, net 15,662,495 — — 15,509,410 15,509,410 Accrued interest receivable 56,917 — 2,373 54,544 56,917 Financial liabilities: Deposits 19,665,553 — 19,667,612 — 19,667,612 Securities sold under agreements to repurchase 5,845 5,845 — — 5,845 Other borrowings 739,879 — 760,829 — 760,829 Subordinated deferrable interest debentures 126,328 — 117,764 — 117,764 Accrued interest payable 4,313 — 4,313 — 4,313

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	6 Months Ended
	Jun. 30, 2022
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) June 30, 2022 December 31, 2021 Commitments to extend credit $ 5,420,227 $ 4,328,749 Unused home equity lines of credit 303,428 272,029 Financial standby letters of credit 30,272 36,184 Mortgage interest rate lock commitments 320,320 417,126 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 six months ended June 30, 2022 and the year ended December 31, 2021. 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 June 30, Six Months Ended June 30, (dollars in thousands) 2022 2021 2022 2021 Balance at beginning of period $ 42,194 $ 21,015 $ 33,185 $ 32,854 Provision for unfunded commitments 1,779 1,299 10,788 (10,540) Balance at end of period $ 43,973 $ 22,314 $ 43,973 $ 22,314 Other Commitments As of June 30, 2022, letters of credit issued by the FHLB totaling $400.0 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, many commercial customers experienced varying levels of disruptions or restrictions on their business activities, and many consumers experienced 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 remains difficult to predict the full impact of the COVID-19 pandemic on our business. The United States government has taken steps to attempt to mitigate some of the more severe anticipated economic effects of the pandemic, including the passage of the CARES Act and subsequent legislation, but

SEGMENT REPORTING

SEGMENT REPORTING	6 Months Ended
	Jun. 30, 2022
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 six months ended June 30, 2022 and 2021: Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 141,844 $ 38,055 $ 8,476 $ 4,757 $ 9,436 $ 202,568 Interest expense (10,278) 17,276 1,776 959 1,471 11,204 Net interest income 152,122 20,779 6,700 3,798 7,965 191,364 Provision for credit losses 10,175 4,499 867 (523) (94) 14,924 Noninterest income 23,469 57,795 1,041 1,526 10 83,841 Noninterest expense Salaries and employee benefits 46,733 31,219 208 1,316 2,069 81,545 Occupancy and equipment 11,168 1,406 1 81 90 12,746 Data processing and communications expenses 10,863 1,123 48 29 92 12,155 Other expenses 21,123 12,812 212 539 1,064 35,750 Total noninterest expense 89,887 46,560 469 1,965 3,315 142,196 Income before income tax expense 75,529 27,515 6,405 3,882 4,754 118,085 Income tax expense 19,120 5,779 1,346 815 959 28,019 Net income $ 56,409 $ 21,736 $ 5,059 $ 3,067 $ 3,795 $ 90,066 Total assets $ 17,009,855 $ 4,418,211 $ 923,829 $ 264,227 $ 1,071,348 $ 23,687,470 Goodwill 958,558 — — — 64,498 1,023,056 Other intangible assets, net 105,198 — — — 10,415 115,613 Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 109,260 $ 34,085 $ 8,988 $ 14,050 $ 7,368 $ 173,751 Interest expense (1,410) 11,552 268 1,168 321 11,899 Net interest income 110,670 22,533 8,720 12,882 7,047 161,852 Provision for credit losses (3,949) 5,647 (155) (607) (794) 142 Noninterest income 16,171 69,055 1,333 2,677 4 89,240 Noninterest expense Salaries and employee benefits 37,814 44,798 278 937 1,678 85,505 Occupancy and equipment 9,050 1,553 1 132 76 10,812 Data processing and communications expenses 10,280 1,435 68 — 94 11,877 Other expenses 18,763 7,638 30 284 852 27,567 Total noninterest expense 75,907 55,424 377 1,353 2,700 135,761 Income before income tax expense 54,883 30,517 9,831 14,813 5,145 115,189 Income tax expense 14,196 6,408 2,064 3,111 1,083 26,862 Net income $ 40,687 $ 24,109 $ 7,767 $ 11,702 $ 4,062 $ 88,327 Total assets $ 15,561,628 $ 3,917,275 $ 779,234 $ 748,234 $ 880,560 $ 21,886,931 Goodwill 863,507 — — — 64,498 928,005 Other intangible assets, net 50,418 — — — 13,365 63,783 Six Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 271,134 $ 70,887 $ 15,289 $ 11,537 $ 17,095 $ 385,942 Interest expense (14,733) 30,813 2,142 1,728 2,084 22,034 Net interest income 285,867 40,074 13,147 9,809 15,011 363,908 Provision for credit losses 15,401 6,086 645 (666) (311) 21,155 Noninterest income 44,833 119,444 2,442 4,017 16 170,752 Noninterest expense Salaries and employee benefits 95,928 62,833 491 2,587 3,987 165,826 Occupancy and equipment 22,242 2,877 2 180 172 25,473 Data processing and communications expenses 22,093 2,295 95 57 187 24,727 Other expenses 41,168 25,457 430 919 2,016 69,990 Total noninterest expense 181,431 93,462 1,018 3,743 6,362 286,016 Income before income tax expense 133,868 59,970 13,926 10,749 8,976 227,489 Income tax expense 36,116 12,594 2,925 2,257 1,833 55,725 Net income $ 97,752 $ 47,376 $ 11,001 $ 8,492 $ 7,143 $ 171,764 Six Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 221,639 $ 64,284 $ 19,315 $ 32,084 $ 14,379 $ 351,701 Interest expense (1,847) 22,767 689 2,567 696 24,872 Net interest income 223,486 41,517 18,626 29,517 13,683 326,829 Provision for credit losses (27,853) 1,094 (300) (1,154) (236) (28,449) Noninterest income 32,909 166,695 2,313 5,288 8 207,213 Noninterest expense Salaries and employee benefits 80,537 94,636 608 2,319 3,390 181,490 Occupancy and equipment 19,170 3,029 2 238 154 22,593 Data processing and communications expenses 20,481 2,981 117 1 181 23,761 Other expenses 38,473 15,827 63 579 1,773 56,715 Total noninterest expense 158,661 116,473 790 3,137 5,498 284,559 Income before income tax expense 125,587 90,645 20,449 32,822 8,429 277,932 Income tax expense 32,652 19,035 4,294 6,893 1,769 64,643 Net income $ 92,935 $ 71,610 $ 16,155 $ 25,929 $ 6,660 $ 213,289

LOAN SERVICING RIGHTS

LOAN SERVICING RIGHTS	6 Months Ended
	Jun. 30, 2022
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) June 30, 2022 December 31, 2021 Loan Servicing Rights Residential mortgage $ 257,112 $ 206,944 SBA 4,954 5,556 Total loan servicing rights $ 262,066 $ 212,500 Residential Mortgage Loans The Company sells certain first-lien residential mortgage loans to third party investors, primarily the Federal National Mortgage Association (“FNMA”), the Government National Mortgage Association (“GNMA”) and the 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 six-months ended June 30, 2022, the Company recorded servicing fee income of $18.7 million and $35.8 million, respectively. During the three- and six-months ended June 30, 2021, the Company recorded servicing fee income of $11.3 million and $21.5 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 June 30, Six Months Ended June 30, Residential mortgage servicing rights 2022 2021 2022 2021 Beginning carrying value, net $ 232,236 $ 154,746 $ 206,944 $ 130,630 Additions 21,551 43,377 43,252 65,244 Amortization (7,514) (7,197) (13,576) (14,681) Recoveries 10,839 749 20,492 10,482 Ending carrying value, net $ 257,112 $ 191,675 $ 257,112 $ 191,675 (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, Residential mortgage servicing valuation allowance 2022 2021 2022 2021 Beginning balance $ 16,129 $ 29,674 $ 25,782 $ 39,407 Recoveries (10,839) (749) (20,492) (10,482) Ending balance $ 5,290 $ 28,925 $ 5,290 $ 28,925 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) June 30, 2022 December 31, 2021 Residential mortgage servicing rights Unpaid principal balance of loans serviced for others $ 18,304,805 $ 16,786,442 Composition of residential loans serviced for others: FHLMC 21.78 % 21.88 % FNMA 60.49 % 60.26 % GNMA 17.73 % 17.86 % Total 100.00 % 100.00 % Weighted average term (months) 342 341 Weighted average age (months) 22 20 Modeled prepayment speed 8.11 % 12.96 % Decline in fair value due to a 10% adverse change (9,451) (8,368) Decline in fair value due to a 20% adverse change (17,679) (16,157) Weighted average discount rate 9.77 % 8.77 % Decline in fair value due to a 10% adverse change (11,577) (6,984) Decline in fair value due to a 20% adverse change (21,616) (13,504) 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 a 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, a change in another factor may magnify or counteract the effect of the change in the first. 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 six-months ended June 30, 2022, the Company recorded servicing fee income of $1.0 million and $1.9 million, respectively. During the three- and six-months ended June 30, 2021, the Company recorded servicing fee income of $1.0 million and $2.0 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 June 30, Six Months Ended June 30, SBA servicing rights 2022 2021 2022 2021 Beginning carrying value, net $ 5,384 $ 6,445 $ 5,556 $ 5,839 Additions 236 241 774 471 Amortization (666) (563) (1,376) (1,092) Recoveries — — — 905 Ending carrying value, net $ 4,954 $ 6,123 $ 4,954 $ 6,123 (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, SBA servicing valuation allowance 2022 2021 2022 2021 Beginning balance $ — $ — $ — $ 905 Recoveries — — — (905) Ending balance $ — $ — $ — $ — (dollars in thousands) June 30, 2022 December 31, 2021 SBA servicing rights Unpaid principal balance of loans serviced for others $ 387,101 $ 410,167 Weighted average life (in years) 3.64 3.65 Modeled prepayment speed 17.81 % 17.68 % Decline in fair value due to a 10% adverse change (218) (291) Decline in fair value due to a 20% adverse change (419) (557) Weighted average discount rate 16.55 % 11.92 % Decline in fair value due to a 100 basis point adverse change (108) (144) Decline in fair value due to a 200 basis point adverse change (212) (282) 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 a 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, a change in another factor may magnify or counteract the effect of the change in the first. 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 June 30, Six Months Ended June 30, Indirect automobile servicing rights 2022 2021 2022 2021 Beginning carrying value, net $ — $ 29 $ — $ 73 Amortization — (29) — (73) Ending carrying value, net $ — $ — $ — $ —

BASIS OF PRESENTATION AND ACC_2

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Policies)	6 Months Ended
	Jun. 30, 2022
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 June 30, 2022, the Bank operated 164 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 three and six month periods ended June 30, 2022 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, 2021. In preparing the consolidated financial statements in conformity with GAAP, 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, federal funds sold and restricted cash. Restricted cash held for securitization investors, which are reported on the Company's consolidated balance sheets in cash and due from banks, was $0 and $43.0 million at June 30, 2022 and December 31, 2021, respectively.
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 Pending Adoption	Accounting Standards Pending Adoption ASU No. 2022-02 – Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures ("ASU 2022-02"). ASU 2022-02 eliminates the troubled debt restructuring ("TDR") measurement and recognition guidance and requires that entities evaluate whether the modification represents a new loan or a continuation of an existing loan consistent with the accounting for other loan modifications. Additional disclosures relating to modifications to borrowers experiencing financial difficulty are required under ASU 2022-02. ASU 2022-02 also requires disclosure of current-period gross write-offs by year of origination. ASU 2022-02 is effective for annual periods beginning after December 15, 2022, including interim periods within those fiscal years. The amendments of ASU 2022-02 should be adopted prospectively. The amendments related to the recognition and measurement of TDRs may optionally be adopted using a modified retrospective transition method. Early adoption is permitted. The Company is currently evaluating the impact on the consolidated financial statements of adopting ASU 2022-02. 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 on the consolidated financial statements of adopting ASU 2021-01. 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 on the consolidated financial statements of adopting ASU 2020-04.

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	6 Months Ended
	Jun. 30, 2022
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 gross unrealized gains and losses are summarized as follows: (dollars in thousands) Securities available-for-sale Amortized Allowance for Credit Losses Gross Gross Estimated June 30, 2022 U.S. Treasuries $ 314,613 $ — $ — $ (1,724) $ 312,889 U.S. government-sponsored agencies 2,050 — — (29) 2,021 State, county and municipal securities 41,428 — 261 (726) 40,963 Corporate debt securities 15,897 (88) 2 (348) 15,463 SBA pool securities 35,854 — 6 (1,429) 34,431 Mortgage-backed securities 658,508 — 420 (12,427) 646,501 Total debt securities available-for-sale $ 1,068,350 $ (88) $ 689 $ (16,683) $ 1,052,268 December 31, 2021 U.S. government-sponsored agencies $ 7,084 $ — $ 88 $ — $ 7,172 State, county and municipal securities 45,470 — 2,342 — 47,812 Corporate debt securities 27,897 — 719 (120) 28,496 SBA pool securities 44,312 — 958 (69) 45,201 Mortgage-backed securities 448,124 — 15,822 (6) 463,940 Total debt securities available-for-sale $ 572,887 $ — $ 19,929 $ (195) $ 592,621
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 June 30, 2022 State, county and municipal securities $ 31,905 $ — $ (4,279) $ 27,626 Mortgage-backed securities 79,749 — (10,231) 69,518 Total debt securities held-to-maturity $ 111,654 $ — $ (14,510) $ 97,144 December 31, 2021 State, county and municipal securities $ 8,905 $ 4 $ (198) $ 8,711 Mortgage-backed securities 70,945 — (1,450) 69,495 Total debt securities held-to-maturity $ 79,850 $ 4 $ (1,648) $ 78,206
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 June 30, 2022, 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 $ 6,745 $ 6,754 $ — $ — Due from one year to five years 339,429 337,279 — — Due from five to ten years 31,462 31,085 — — Due after ten years 32,206 30,649 31,905 27,626 Mortgage-backed securities 658,508 646,501 79,749 69,518 $ 1,068,350 $ 1,052,268 $ 111,654 $ 97,144
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 June 30, 2022 and December 31, 2021: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities available-for-sale Estimated Unrealized Estimated Unrealized Estimated Unrealized June 30, 2022 U.S. Treasuries $ 312,889 $ (1,724) $ — $ — $ 312,889 $ (1,724) U.S. government-sponsored agencies 2,021 (29) — — 2,021 (29) State, county and municipal securities 15,199 (726) — — 15,199 (726) Corporate debt securities 12,244 (256) 1,320 (92) 13,564 (348) SBA pool securities 31,755 (1,379) 2,310 (50) 34,065 (1,429) Mortgage-backed securities 569,386 (12,427) 1 — 569,387 (12,427) Total debt securities available-for-sale $ 943,494 $ (16,541) $ 3,631 $ (142) $ 947,125 $ (16,683) December 31, 2021 Corporate debt securities $ — $ — $ 1,380 $ (120) $ 1,380 $ (120) SBA pool securities 1,312 (6) 2,572 (63) 3,884 (69) Mortgage-backed securities 5,514 (6) 1 — 5,515 (6) Total debt securities available-for-sale $ 6,826 $ (12) $ 3,953 $ (183) $ 10,779 $ (195)
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 June 30, 2022: Less Than 12 Months 12 Months or More Total (dollars in thousands) Securities held-to-maturity Estimated Unrealized Estimated Unrealized Estimated Unrealized June 30, 2022 State, county and municipal securities $ 27,626 $ (4,279) $ — $ — $ 27,626 $ (4,279) Mortgage-backed securities 69,518 (10,231) — — 69,518 (10,231) Total debt securities held-to-maturity $ 97,144 $ (14,510) $ — $ — $ 97,144 $ (14,510) December 31, 2021 State, county and municipal securities $ 3,707 $ (198) $ — $ — $ 3,707 $ (198) Mortgage-backed securities 69,495 (1,450) — — 69,495 (1,450) Total debt securities held-to-maturity $ 73,202 $ (1,648) $ — $ — $ 73,202 $ (1,648)
Schedule of Investments Available-for-sale, Allowance for Credit Loss	The remaining $16.7 million in unrealized loss was determined to be from factors other than credit. (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, Allowance for credit losses 2022 2021 2022 2021 Beginning balance $ — $ 101 $ — $ 112 Provision for expected credit losses 88 (20) 88 (31) Ending balance $ 88 $ 81 $ 88 $ 81
Schedule of Gain (Loss) on Investments	Total net gain (loss) on securities reported on the consolidated statements of income and comprehensive income is comprised of the following for the three and six months ended June 30, 2022 and 2021: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2022 2021 2022 2021 Unrealized holding gains (losses) on equity securities $ (22) $ 1 $ (49) $ (11) Net realized gains on sales of other investments 270 — 270 — Net gain (loss) on securities $ 248 $ 1 $ 221 $ (11)

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	6 Months Ended
	Jun. 30, 2022
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) June 30, 2022 December 31, 2021 Commercial, financial and agricultural $ 2,022,845 $ 1,875,993 Consumer installment 167,237 191,298 Indirect automobile 172,245 265,779 Mortgage warehouse 949,191 787,837 Municipal 529,268 572,701 Premium finance 942,357 798,409 Real estate – construction and development 1,747,284 1,452,339 Real estate – commercial and farmland 7,156,017 6,834,917 Real estate – residential 3,874,578 3,094,985 $ 17,561,022 $ 15,874,258
Summary of Financial Receivable Nonaccrual Basis	The following table presents an analysis of loans accounted for on a nonaccrual basis: (dollars in thousands) June 30, 2022 December 31, 2021 Commercial, financial and agricultural $ 11,742 $ 14,214 Consumer installment 473 476 Indirect automobile 465 947 Real estate – construction and development 178 492 Real estate – commercial and farmland 21,158 15,365 Real estate – residential 88,896 53,772 $ 122,912 $ 85,266 The following table presents an analysis of nonaccrual loans with no related allowance for credit losses: (dollars in thousands) June 30, 2022 December 31, 2021 Commercial, financial and agricultural $ — $ 164 Real estate – construction and development — 209 Real estate – commercial and farmland 2,448 2,061 Real estate – residential 5,071 7,942 $ 7,519 $ 10,376
Summary of Past Due Financial Receivables	The following table presents an analysis of past-due loans as of June 30, 2022 and December 31, 2021: (dollars in thousands) Loans Loans Loans 90 Total Current Total Loans 90 June 30, 2022 Commercial, financial and agricultural $ 3,822 $ 3,725 $ 11,063 $ 18,610 $ 2,004,235 $ 2,022,845 $ 1,697 Consumer installment 1,132 739 699 2,570 164,667 167,237 466 Indirect automobile 394 137 296 827 171,418 172,245 — Mortgage warehouse — — — — 949,191 949,191 — Municipal — — — — 529,268 529,268 — Premium finance 7,462 6,398 5,795 19,655 922,702 942,357 5,795 Real estate – construction and development 18,050 5,677 633 24,360 1,722,924 1,747,284 584 Real estate – commercial and farmland 2,706 11,334 3,666 17,705 7,138,312 7,156,017 — Real estate – residential 27,385 8,877 86,400 122,662 3,751,916 3,874,578 — Total $ 60,951 $ 36,887 $ 108,552 $ 206,389 $ 17,354,633 $ 17,561,022 $ 8,542 December 31, 2021 Commercial, financial and agricultural $ 3,431 $ 2,005 $ 12,017 $ 17,453 $ 1,858,540 $ 1,875,993 $ 1,165 Consumer installment 1,786 871 891 3,548 187,750 191,298 584 Indirect automobile 772 185 473 1,430 264,349 265,779 — Mortgage warehouse — — — — 787,837 787,837 — Municipal — — — — 572,701 572,701 — Premium finance 6,992 4,340 9,134 20,466 777,943 798,409 9,134 Real estate – construction and development 16,601 1,398 2,190 20,189 1,432,150 1,452,339 1,758 Real estate – commercial and farmland 6,713 1,150 5,924 13,787 6,821,130 6,834,917 7 Real estate – residential 17,729 4,266 49,839 71,834 3,023,151 3,094,985 — Total $ 54,024 $ 14,215 $ 80,468 $ 148,707 $ 15,725,551 $ 15,874,258 $ 12,648
Analysis of Individually Evaluated Collateral-Dependent Financial Assets and Related Allowance for Credit Losses	The following table presents an analysis of individually evaluated collateral-dependent financial assets and related allowance for credit losses: June 30, 2022 December 31, 2021 (dollars in thousands) Balance Allowance for Credit Losses Balance Allowance for Credit Losses Commercial, financial and agricultural $ 1,695 $ 168 $ 2,613 $ 723 Premium finance 1,136 91 2,989 30 Real estate – construction and development — — 1,432 45 Real estate – commercial and farmland 22,820 2,096 33,332 6,646 Real estate – residential 14,317 1,580 11,712 453 $ 39,968 $ 3,935 $ 52,078 $ 7,897
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 June 30, 2022 and December 31, 2021. 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 June 30, 2022 or December 31, 2021. As of June 30, 2022 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2022 2021 2020 2019 2018 Prior Total Commercial, Financial and Agricultural Risk Grade: Pass $ 527,870 $ 637,107 $ 214,934 $ 143,779 $ 85,058 $ 59,648 $ 331,032 $ 1,999,428 6 — 151 92 274 160 2,881 794 4,352 7 6,618 1,160 445 3,122 1,400 4,151 2,169 19,065 Total commercial, financial and agricultural $ 534,488 $ 638,418 $ 215,471 $ 147,175 $ 86,618 $ 66,680 $ 333,995 $ 2,022,845 Consumer Installment Risk Grade: Pass $ 25,920 $ 18,153 $ 46,134 $ 28,754 $ 21,530 $ 16,607 $ 8,804 $ 165,902 6 — — — — — 130 5 135 7 24 81 321 169 89 430 86 1,200 Total consumer installment $ 25,944 $ 18,234 $ 46,455 $ 28,923 $ 21,619 $ 17,167 $ 8,895 $ 167,237 Indirect Automobile Risk Grade: Pass $ — $ — $ — $ 15,350 $ 72,999 $ 82,645 $ — $ 170,994 6 — — — — — 20 — 20 7 — — — 50 224 957 — 1,231 Total indirect automobile $ — $ — $ — $ 15,400 $ 73,223 $ 83,622 $ — $ 172,245 Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 949,191 $ 949,191 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 949,191 $ 949,191 Municipal Risk Grade: Pass $ 10,775 $ 43,922 $ 194,357 $ 13,779 $ 4,853 $ 261,582 $ — $ 529,268 Total municipal $ 10,775 $ 43,922 $ 194,357 $ 13,779 $ 4,853 $ 261,582 $ — $ 529,268 Premium Finance Risk Grade: Pass $ 790,855 $ 146,821 $ 110 $ — $ — $ 75 $ — $ 937,861 7 1,766 2,729 1 — — — — 4,496 Total premium finance $ 792,621 $ 149,550 $ 111 $ — $ — $ 75 $ — $ 942,357 Real Estate – Construction and Development Risk Grade: Pass $ 380,485 $ 844,549 $ 299,850 $ 128,437 $ 12,891 $ 30,227 $ 26,205 $ 1,722,644 6 4,330 5,241 432 — 48 580 — 10,631 7 216 218 211 26 13,079 259 — 14,009 Total real estate – construction and development $ 385,031 $ 850,008 $ 300,493 $ 128,463 $ 26,018 $ 31,066 $ 26,205 $ 1,747,284 As of June 30, 2022 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2022 2021 2020 2019 2018 Prior Total Real Estate – Commercial and Farmland Risk Grade: Pass $ 993,793 $ 2,069,024 $ 1,150,513 $ 891,580 $ 496,721 $ 1,373,284 $ 72,965 $ 7,047,880 6 607 — — 29,343 1,163 18,007 — 49,120 7 — 3,259 2,588 13,777 6,967 32,408 18 59,017 Total real estate – commercial and farmland $ 994,400 $ 2,072,283 $ 1,153,101 $ 934,700 $ 504,851 $ 1,423,699 $ 72,983 $ 7,156,017 Real Estate - Residential Risk Grade: Pass $ 880,233 $ 1,243,230 $ 582,823 $ 290,790 $ 123,347 $ 438,034 $ 214,894 $ 3,773,351 6 64 218 47 608 508 2,680 61 4,186 7 268 9,398 18,956 29,041 14,331 23,395 1,652 97,041 Total real estate - residential $ 880,565 $ 1,252,846 $ 601,826 $ 320,439 $ 138,186 $ 464,109 $ 216,607 $ 3,874,578 Total Loans Risk Grade: Pass $ 3,609,931 $ 5,002,806 $ 2,488,721 $ 1,512,469 $ 817,399 $ 2,262,102 $ 1,603,091 $ 17,296,519 6 5,001 5,610 571 30,225 1,879 24,298 860 68,444 7 8,892 16,845 22,522 46,185 36,090 61,600 3,925 196,059 Total loans $ 3,623,824 $ 5,025,261 $ 2,511,814 $ 1,588,879 $ 855,368 $ 2,348,000 $ 1,607,876 $ 17,561,022 As of December 31, 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 $ 903,630 $ 279,037 $ 188,810 $ 118,613 $ 50,737 $ 40,376 $ 262,951 $ 1,844,154 6 190 — 393 427 368 1,832 1,961 5,171 7 9,216 1,268 4,098 1,472 2,566 6,019 2,029 26,668 Total commercial, financial and agricultural $ 913,036 $ 280,305 $ 193,301 $ 120,512 $ 53,671 $ 48,227 $ 266,941 $ 1,875,993 Consumer Installment Risk Grade: Pass $ 35,781 $ 59,221 $ 37,195 $ 27,266 $ 9,787 $ 11,021 $ 9,437 $ 189,708 6 — — — — — 135 5 140 7 59 283 290 216 103 405 94 1,450 Total consumer installment $ 35,840 $ 59,504 $ 37,485 $ 27,482 $ 9,890 $ 11,561 $ 9,536 $ 191,298 Indirect Automobile Risk Grade: Pass $ — $ — $ 20,276 $ 101,969 $ 90,294 $ 51,468 $ — $ 264,007 6 — — — 24 10 19 — 53 7 — — 55 234 384 1,046 — 1,719 Total indirect automobile $ — $ — $ 20,331 $ 102,227 $ 90,688 $ 52,533 $ — $ 265,779 As of December 31, 2021 Term Loans by Origination Year Revolving Loans Amortized Cost Basis 2021 2020 2019 2018 2017 Prior Total Mortgage Warehouse Risk Grade: Pass $ — $ — $ — $ — $ — $ — $ 787,837 $ 787,837 Total mortgage warehouse $ — $ — $ — $ — $ — $ — $ 787,837 $ 787,837 Municipal Risk Grade: Pass $ 44,727 $ 219,385 $ 14,831 $ 5,494 $ 109,040 $ 179,224 $ — $ 572,701 Total municipal $ 44,727 $ 219,385 $ 14,831 $ 5,494 $ 109,040 $ 179,224 $ — $ 572,701 Premium Finance Risk Grade: Pass $ 787,884 $ 1,059 $ 26 $ — $ 302 $ 4 $ — $ 789,275 7 9,039 95 — — — — — 9,134 Total premium finance $ 796,923 $ 1,154 $ 26 $ — $ 302 $ 4 $ — $ 798,409 Real Estate – Construction and Development Risk Grade: Pass $ 826,094 $ 290,814 $ 176,476 $ 35,773 $ 24,533 $ 44,514 $ 21,267 $ 1,419,471 6 6,527 549 — 15,260 — 2,101 — 24,437 7 1,143 678 7 2,476 57 1,011 3,059 8,431 Total real estate – construction and development $ 833,764 $ 292,041 $ 176,483 $ 53,509 $ 24,590 $ 47,626 $ 24,326 $ 1,452,339 Real Estate – Commercial and Farmland Risk Grade: Pass $ 2,186,291 $ 1,205,578 $ 1,119,239 $ 542,295 $ 486,477 $ 1,103,675 $ 80,379 $ 6,723,934 6 416 — 1,036 14,760 5,334 21,665 — 43,211 7 4,709 2,682 11,109 9,076 4,861 35,315 20 67,772 Total real estate – commercial and farmland $ 2,191,416 $ 1,208,260 $ 1,131,384 $ 566,131 $ 496,672 $ 1,160,655 $ 80,399 $ 6,834,917 Real Estate - Residential Risk Grade: Pass $ 1,171,008 $ 638,232 $ 329,247 $ 149,990 $ 108,538 $ 408,240 $ 217,982 $ 3,023,237 6 145 66 1,106 505 356 3,717 49 5,944 7 2,405 10,167 21,239 11,376 4,597 13,970 2,050 65,804 Total real estate - residential $ 1,173,558 $ 648,465 $ 351,592 $ 161,871 $ 113,491 $ 425,927 $ 220,081 $ 3,094,985 Total Loans Risk Grade: Pass $ 5,955,415 $ 2,693,326 $ 1,886,100 $ 981,400 $ 879,708 $ 1,838,522 $ 1,379,853 $ 15,614,324 6 7,278 615 2,535 30,976 6,068 29,469 2,015 78,956 7 26,571 15,173 36,798 24,850 12,568 57,766 7,252 180,978 Total loans $ 5,989,264 $ 2,709,114 $ 1,925,433 $ 1,037,226 $ 898,344 $ 1,925,757 $ 1,389,120 $ 15,874,258
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 six months ended June 30, 2022 and 2021. These modifications did not have a material impact on the Company’s allowance for credit losses. Three Months Ended June 30, Six Months Ended June 30, 2022 2021 2022 2021 Loan Class # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 2 $ 502 2 $ 165 2 $ 502 6 $ 591 Consumer installment — — 2 8 — — 2 8 Premium finance 2 756 — — 6 993 — — Real estate – commercial and farmland 2 578 3 8,653 2 578 5 16,312 Real estate – residential 2 462 2 472 5 1,437 12 1,457 Total 8 $ 2,298 9 $ 9,298 15 $ 3,510 25 $ 18,368
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 six months ended June 30, 2022 and 2021. These defaults did not have a material impact on the Company's allowance for credit losses. Three Months Ended June 30, Six Months Ended June 30, 2022 2021 2022 2021 Loan Class # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural — $ — — $ — 1 $ 357 3 $ 49 Consumer installment — — — — 2 3 4 5 Indirect automobile 3 2 7 27 12 22 22 112 Real estate – construction and development — — — — — — 1 1 Real estate – commercial and farmland — — 1 202 1 8 3 5,382 Real estate – residential 11 1,071 17 940 21 2,791 27 1,646 Total 14 $ 1,073 25 $ 1,169 37 $ 3,181 60 $ 7,195
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 June 30, 2022 and December 31, 2021: June 30, 2022 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 9 $ 964 3 $ 364 Consumer installment 4 9 10 14 Indirect automobile 196 759 30 122 Premium finance 6 993 — — Real estate – construction and development 2 706 — — Real estate – commercial and farmland 18 8,213 4 788 Real estate – residential 210 24,456 31 4,369 Total 445 $ 36,100 78 $ 5,657 December 31, 2021 Accruing Loans Non-Accruing Loans Loan Class # Balance (in thousands) # Balance (in thousands) Commercial, financial and agricultural 12 $ 1,286 6 $ 83 Consumer installment 7 16 17 35 Indirect automobile 233 1,037 52 273 Real estate – construction and development 4 789 1 13 Real estate – commercial and farmland 25 35,575 5 5,924 Real estate – residential 213 26,879 39 4,678 Total 494 $ 65,582 120 $ 11,006
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 June 30, 2022 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, March 31, 2022 $ 25,526 $ 5,619 $ 373 $ 3,010 $ 384 $ 2,515 Provision for loan losses 1,738 557 (306) 875 (13) 200 Loans charged off (4,391) (1,137) (41) — — (1,066) Recoveries of loans previously charged off 2,785 230 265 — — 1,113 Balance, June 30, 2022 $ 25,658 $ 5,269 $ 291 $ 3,885 $ 371 $ 2,762 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, March 31, 2022 $ 26,831 $ 67,033 $ 29,960 $ 161,251 Provision for loan losses (3,954) (7,647) 21,777 13,227 Loans charged off — (81) (137) (6,853) Recoveries of loans previously charged off 355 44 225 5,017 Balance, June 30, 2022 $ 23,232 $ 59,349 $ 51,825 $ 172,642 Six Months Ended June 30, 2022 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, December 31, 2021 $ 26,829 $ 6,097 $ 476 $ 3,231 $ 401 $ 2,729 Provision for loan losses 1,953 1,346 (596) 654 (30) 108 Loans charged off (8,805) (2,562) (129) — — (2,435) Recoveries of loans previously charged off 5,681 388 540 — — 2,360 Balance, June 30, 2022 $ 25,658 $ 5,269 $ 291 $ 3,885 $ 371 $ 2,762 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, December 31, 2021 $ 22,045 $ 77,831 $ 27,943 $ 167,582 Provision for loan losses 614 (17,199) 23,643 10,493 Loans charged off — (1,364) (137) (15,432) Recoveries of loans previously charged off 573 81 376 9,999 Balance, June 30, 2022 $ 23,232 $ 59,349 $ 51,825 $ 172,642 Three Months Ended June 30, 2021 (dollars in thousands) Commercial, Consumer Indirect Automobile Mortgage Warehouse Municipal Premium Finance Balance, March 31, 2021 $ 8,291 $ 8,790 $ 1,272 $ 3,521 $ 790 $ 4,100 Provision for loan losses 1,502 491 (423) (156) (13) (833) Loans charged off (3,529) (1,669) (141) — — (1,194) Recoveries of loans previously charged off 625 212 372 — — 2,466 Balance, June 30, 2021 $ 6,889 $ 7,824 $ 1,080 $ 3,365 $ 777 $ 4,539 Real Estate – Construction and Development Real Estate – Real Estate – Total Balance, March 31, 2021 $ 22,858 $ 91,211 $ 37,737 $ 178,570 Provision for loan losses (3,757) (3,031) 5,321 (899) Loans charged off (186) (27) (392) (7,138) Recoveries of loans previously charged off 84 185 593 4,537 Balance, June 30, 2021 $ 18,999 $ 88,338 $ 43,259 $ 175,070 Six Months Ended June 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 4,077 6,297 (951) (301) (14) (391) Loans charged off (5,899) (3,117) (970) — — (2,537) Recoveries of loans previously charged off 1,352 568 1,072 — — 3,588 Balance, June 30, 2021 $ 6,889 $ 7,824 $ 1,080 $ 3,365 $ 777 $ 4,539 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 (26,344) 640 (491) (17,478) Loans charged off (212) (1,422) (555) (14,712) Recoveries of loans previously charged off 251 226 781 7,838 Balance, June 30, 2021 $ 18,999 $ 88,338 $ 43,259 $ 175,070

SECURITIES SOLD UNDER AGREEME_2

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Tables)	6 Months Ended
	Jun. 30, 2022
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 June 30, 2022 and December 31, 2021: (dollars in thousands) June 30, 2022 December 31, 2021 Securities sold under agreements to repurchase $ 953 $ 5,845

OTHER BORROWINGS (Tables)

OTHER BORROWINGS (Tables)	6 Months Ended
	Jun. 30, 2022
Debt Disclosure [Abstract]
Schedule of Other Borrowings	Other borrowings consist of the following: (dollars in thousands) June 30, 2022 December 31, 2021 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% 1,394 1,400 Fixed Rate Advance due December 9, 2030; fixed interest rate of 4.55% 965 969 Principal Reducing Advance due September 29, 2031; fixed interest rate of 3.095% 1,348 1,421 Subordinated notes payable: Subordinated notes payable due June 1, 2026, net of unaccreted purchase accounting fair value adjustment of $— and $500, respectively; fixed interest rate of 5.50% — 50,500 Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $616 and $681, respectively; fixed interest rate of 5.75% through March 14, 2022; variable interest rate thereafter at three-month LIBOR plus 3.616% 74,384 74,319 Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $1,801 and $1,923, respectively; fixed interest rate of 4.25% through December 14, 2024; variable interest rate thereafter at three-month SOFR plus 2.94% 118,199 118,077 Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $967 and $1,028, respectively; fixed interest rate of 5.875% through May 31, 2025; variable interest rate thereafter at three-month LIBOR plus 3.63% 75,967 76,028 Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,665 and $1,766, respectively; fixed interest rate of 3.875% through September 30, 2025; variable interest rate thereafter at three-month SOFR plus 3.753% 108,335 108,234 Securitization Facilities: Equipment contract backed notes, Series 2018-1 (BCC XIV) due on various dates through 2025 and bear a weighted-average interest rate of 5.11% — 19,199 Equipment contract backed notes, Series 2019-1 (BCC XVI) due on various dates through 2027 and bear a weighted-average interest rate of 2.84% — 139,329 Equipment contract backed notes, Series 2020-1 (BCC XVII) due on various dates through 2027 and bear a weighted-average interest rate of 1.48% — 105,403 $ 425,592 $ 739,879

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	6 Months Ended
	Jun. 30, 2022
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 Accumulated Other Comprehensive Income (Loss) Three Months Ended June 30, 2022 Balance, March 31, 2022 $ (1,841) $ (1,841) Reclassification for gains included in net income, net of tax — — Current year changes, net of tax (10,794) (10,794) Balance, June 30, 2022 $ (12,635) $ (12,635) Three Months Ended June 30, 2021 Balance, March 31, 2021 $ 26,090 $ 26,090 Reclassification for gains included in net income, net of tax — — Current year changes, net of tax (1,066) (1,066) Balance, June 30, 2021 $ 25,024 $ 25,024 Six Months Ended June 30, 2022 Balance, December 31, 2021 $ 15,590 $ 15,590 Reclassification for gains included in net income, net of tax — — Current year changes, net of tax (28,225) (28,225) Balance, June 30, 2022 $ (12,635) $ (12,635) Six Months Ended June 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 (8,481) (8,481) Balance, June 30, 2021 $ 25,024 $ 25,024

WEIGHTED AVERAGE SHARES OUTST_2

WEIGHTED AVERAGE SHARES OUTSTANDING (Tables)	6 Months Ended
	Jun. 30, 2022
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 Six Months Ended (share data in thousands) 2022 2021 2022 2021 Average common shares outstanding 69,136 69,497 69,246 69,448 Common share equivalents: Stock options 16 64 24 74 Nonvested restricted share grants 46 151 97 153 Performance stock units 118 80 118 90 Average common shares outstanding, assuming dilution 69,316 69,792 69,485 69,765

FAIR VALUE MEASURES (Tables)

FAIR VALUE MEASURES (Tables)	6 Months Ended
	Jun. 30, 2022
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) June 30, 2022 December 31, 2021 Mortgage loans held for sale $ 555,039 $ 1,247,997 SBA loans held for sale 626 6,635 Total loans held for sale $ 555,665 $ 1,254,632
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 June 30, 2022 and December 31, 2021: (dollars in thousands) June 30, 2022 December 31, 2021 Aggregate fair value of mortgage loans held for sale $ 555,039 $ 1,247,997 Aggregate unpaid principal balance of mortgage loans held for sale 551,420 1,211,646 Past-due loans of 90 days or more 694 746 Nonaccrual loans 694 746 Unpaid principal balance of nonaccrual loans 712 718 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 June 30, 2022 and December 31, 2021: (dollars in thousands) June 30, 2022 December 31, 2021 Aggregate fair value of SBA loans held for sale $ 626 $ 6,635 Aggregate unpaid principal balance of SBA loans held for sale 565 5,825 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 June 30, 2022 and December 31, 2021: Recurring Basis June 30, 2022 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. Treasuries $ 312,889 $ 312,889 $ — $ — U.S. government sponsored agencies 2,021 — 2,021 — State, county and municipal securities 40,963 — 40,963 — Corporate debt securities 15,463 — 14,143 1,320 SBA pool securities 34,431 — 34,431 — Mortgage-backed securities 646,501 — 646,501 — Loans held for sale 555,665 — 555,665 — Mortgage banking derivative instruments 10,079 — 10,079 — Total recurring assets at fair value $ 1,618,012 $ 312,889 $ 1,303,803 $ 1,320 Recurring Basis December 31, 2021 (dollars in thousands) Fair Value Level 1 Level 2 Level 3 Financial assets: Investment securities available-for-sale: U.S. government sponsored agencies $ 7,172 $ — $ 7,172 $ — State, county and municipal securities 47,812 — 47,812 — Corporate debt securities 28,496 — 27,116 1,380 SBA pool securities 45,201 — 45,201 — Mortgage-backed securities 463,940 — 463,940 — Loans held for sale 1,254,632 — 1,254,632 — Mortgage banking derivative instruments 11,940 — 11,940 — Total recurring assets at fair value $ 1,859,193 $ — $ 1,857,813 $ 1,380 Financial liabilities: Mortgage banking derivative instruments $ 710 $ — $ 710 $ — Total recurring liabilities at fair value $ 710 $ — $ 710 $ —
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 June 30, 2022 and December 31, 2021: Nonrecurring Basis (dollars in thousands) Fair Value Level 1 Level 2 Level 3 June 30, 2022 Collateral-dependent loans $ 36,033 $ — $ — $ 36,033 Other real estate owned 702 — — 702 Mortgage servicing rights 257,112 — — 257,112 Total nonrecurring assets at fair value $ 293,847 $ — $ — $ 293,847 December 31, 2021 Collateral-dependent loans $ 44,181 $ — $ — $ 44,181 Mortgage servicing rights 206,944 — — 206,944 Total nonrecurring assets at fair value $ 251,125 $ — $ — $ 251,125
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 June 30, 2022 Recurring: Debt securities available-for-sale $ 1,320 Discounted par values Probability of Default 13% 13% Loss Given Default 44% 44% Nonrecurring: Collateral-dependent loans $ 36,033 Third-party appraisals and discounted cash flows Collateral discounts and 0% - 40% 31% Other real estate owned $ 702 Third-party appraisals and sales contracts Collateral discounts and estimated 15% - 55% 37% Mortgage servicing rights $ 257,112 Discounted cash flows Discount rate 10% - 11% 10% Prepayment speed 4% - 22% 8% December 31, 2021 Recurring: Debt securities available-for-sale $ 1,380 Discounted par values Discount Rate 8% 8% Nonrecurring: Collateral-dependent loans $ 44,181 Third-party appraisals and discounted cash flows Collateral discounts and 0% - 50% 39% Mortgage servicing rights $ 206,944 Discounted cash flows Discount rate 9% - 10% 9% Prepayment speed 10% - 40% 13%
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 June 30, 2022 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 345,627 $ 345,627 $ — $ — $ 345,627 Federal funds sold and interest-bearing accounts 1,961,209 1,961,209 — — 1,961,209 Debt securities held-to-maturity 111,654 — 97,144 — 97,144 Loans, net 17,352,347 — — 17,056,635 17,056,635 Accrued interest receivable 56,995 — 3,867 53,128 56,995 Financial liabilities: Deposits 19,684,982 — 19,682,653 — 19,682,653 Securities sold under agreements to repurchase 953 953 — — 953 Other borrowings 425,592 — 418,722 — 418,722 Subordinated deferrable interest debentures 127,325 — 117,240 — 117,240 Accrued interest payable 2,875 — 2,875 — 2,875 Fair Value Measurements December 31, 2021 (dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Financial assets: Cash and due from banks $ 307,813 $ 307,813 $ — $ — $ 307,813 Federal funds sold and interest-bearing accounts 3,756,844 3,756,844 — — 3,756,844 Debt securities held-to-maturity 79,850 — 78,206 — 78,206 Loans, net 15,662,495 — — 15,509,410 15,509,410 Accrued interest receivable 56,917 — 2,373 54,544 56,917 Financial liabilities: Deposits 19,665,553 — 19,667,612 — 19,667,612 Securities sold under agreements to repurchase 5,845 5,845 — — 5,845 Other borrowings 739,879 — 760,829 — 760,829 Subordinated deferrable interest debentures 126,328 — 117,764 — 117,764 Accrued interest payable 4,313 — 4,313 — 4,313

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	6 Months Ended
	Jun. 30, 2022
Commitments and Contingencies Disclosure [Abstract]
Schedule of Guarantor Obligations	A summary of the Company’s commitments is as follows: (dollars in thousands) June 30, 2022 December 31, 2021 Commitments to extend credit $ 5,420,227 $ 4,328,749 Unused home equity lines of credit 303,428 272,029 Financial standby letters of credit 30,272 36,184 Mortgage interest rate lock commitments 320,320 417,126
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 June 30, Six Months Ended June 30, (dollars in thousands) 2022 2021 2022 2021 Balance at beginning of period $ 42,194 $ 21,015 $ 33,185 $ 32,854 Provision for unfunded commitments 1,779 1,299 10,788 (10,540) Balance at end of period $ 43,973 $ 22,314 $ 43,973 $ 22,314

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	6 Months Ended
	Jun. 30, 2022
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 six months ended June 30, 2022 and 2021: Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 141,844 $ 38,055 $ 8,476 $ 4,757 $ 9,436 $ 202,568 Interest expense (10,278) 17,276 1,776 959 1,471 11,204 Net interest income 152,122 20,779 6,700 3,798 7,965 191,364 Provision for credit losses 10,175 4,499 867 (523) (94) 14,924 Noninterest income 23,469 57,795 1,041 1,526 10 83,841 Noninterest expense Salaries and employee benefits 46,733 31,219 208 1,316 2,069 81,545 Occupancy and equipment 11,168 1,406 1 81 90 12,746 Data processing and communications expenses 10,863 1,123 48 29 92 12,155 Other expenses 21,123 12,812 212 539 1,064 35,750 Total noninterest expense 89,887 46,560 469 1,965 3,315 142,196 Income before income tax expense 75,529 27,515 6,405 3,882 4,754 118,085 Income tax expense 19,120 5,779 1,346 815 959 28,019 Net income $ 56,409 $ 21,736 $ 5,059 $ 3,067 $ 3,795 $ 90,066 Total assets $ 17,009,855 $ 4,418,211 $ 923,829 $ 264,227 $ 1,071,348 $ 23,687,470 Goodwill 958,558 — — — 64,498 1,023,056 Other intangible assets, net 105,198 — — — 10,415 115,613 Three Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 109,260 $ 34,085 $ 8,988 $ 14,050 $ 7,368 $ 173,751 Interest expense (1,410) 11,552 268 1,168 321 11,899 Net interest income 110,670 22,533 8,720 12,882 7,047 161,852 Provision for credit losses (3,949) 5,647 (155) (607) (794) 142 Noninterest income 16,171 69,055 1,333 2,677 4 89,240 Noninterest expense Salaries and employee benefits 37,814 44,798 278 937 1,678 85,505 Occupancy and equipment 9,050 1,553 1 132 76 10,812 Data processing and communications expenses 10,280 1,435 68 — 94 11,877 Other expenses 18,763 7,638 30 284 852 27,567 Total noninterest expense 75,907 55,424 377 1,353 2,700 135,761 Income before income tax expense 54,883 30,517 9,831 14,813 5,145 115,189 Income tax expense 14,196 6,408 2,064 3,111 1,083 26,862 Net income $ 40,687 $ 24,109 $ 7,767 $ 11,702 $ 4,062 $ 88,327 Total assets $ 15,561,628 $ 3,917,275 $ 779,234 $ 748,234 $ 880,560 $ 21,886,931 Goodwill 863,507 — — — 64,498 928,005 Other intangible assets, net 50,418 — — — 13,365 63,783 Six Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 271,134 $ 70,887 $ 15,289 $ 11,537 $ 17,095 $ 385,942 Interest expense (14,733) 30,813 2,142 1,728 2,084 22,034 Net interest income 285,867 40,074 13,147 9,809 15,011 363,908 Provision for credit losses 15,401 6,086 645 (666) (311) 21,155 Noninterest income 44,833 119,444 2,442 4,017 16 170,752 Noninterest expense Salaries and employee benefits 95,928 62,833 491 2,587 3,987 165,826 Occupancy and equipment 22,242 2,877 2 180 172 25,473 Data processing and communications expenses 22,093 2,295 95 57 187 24,727 Other expenses 41,168 25,457 430 919 2,016 69,990 Total noninterest expense 181,431 93,462 1,018 3,743 6,362 286,016 Income before income tax expense 133,868 59,970 13,926 10,749 8,976 227,489 Income tax expense 36,116 12,594 2,925 2,257 1,833 55,725 Net income $ 97,752 $ 47,376 $ 11,001 $ 8,492 $ 7,143 $ 171,764 Six Months Ended (dollars in thousands) Banking Retail Warehouse SBA Premium Total Interest income $ 221,639 $ 64,284 $ 19,315 $ 32,084 $ 14,379 $ 351,701 Interest expense (1,847) 22,767 689 2,567 696 24,872 Net interest income 223,486 41,517 18,626 29,517 13,683 326,829 Provision for credit losses (27,853) 1,094 (300) (1,154) (236) (28,449) Noninterest income 32,909 166,695 2,313 5,288 8 207,213 Noninterest expense Salaries and employee benefits 80,537 94,636 608 2,319 3,390 181,490 Occupancy and equipment 19,170 3,029 2 238 154 22,593 Data processing and communications expenses 20,481 2,981 117 1 181 23,761 Other expenses 38,473 15,827 63 579 1,773 56,715 Total noninterest expense 158,661 116,473 790 3,137 5,498 284,559 Income before income tax expense 125,587 90,645 20,449 32,822 8,429 277,932 Income tax expense 32,652 19,035 4,294 6,893 1,769 64,643 Net income $ 92,935 $ 71,610 $ 16,155 $ 25,929 $ 6,660 $ 213,289

LOAN SERVICING RIGHTS (Tables)

LOAN SERVICING RIGHTS (Tables)	6 Months Ended
	Jun. 30, 2022
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) June 30, 2022 December 31, 2021 Loan Servicing Rights Residential mortgage $ 257,112 $ 206,944 SBA 4,954 5,556 Total loan servicing rights $ 262,066 $ 212,500 The table below is an analysis of the activity in the Company’s MSRs and valuation allowance: (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, Residential mortgage servicing rights 2022 2021 2022 2021 Beginning carrying value, net $ 232,236 $ 154,746 $ 206,944 $ 130,630 Additions 21,551 43,377 43,252 65,244 Amortization (7,514) (7,197) (13,576) (14,681) Recoveries 10,839 749 20,492 10,482 Ending carrying value, net $ 257,112 $ 191,675 $ 257,112 $ 191,675 (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, Residential mortgage servicing valuation allowance 2022 2021 2022 2021 Beginning balance $ 16,129 $ 29,674 $ 25,782 $ 39,407 Recoveries (10,839) (749) (20,492) (10,482) Ending balance $ 5,290 $ 28,925 $ 5,290 $ 28,925 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 June 30, Six Months Ended June 30, SBA servicing rights 2022 2021 2022 2021 Beginning carrying value, net $ 5,384 $ 6,445 $ 5,556 $ 5,839 Additions 236 241 774 471 Amortization (666) (563) (1,376) (1,092) Recoveries — — — 905 Ending carrying value, net $ 4,954 $ 6,123 $ 4,954 $ 6,123 (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, SBA servicing valuation allowance 2022 2021 2022 2021 Beginning balance $ — $ — $ — $ 905 Recoveries — — — (905) Ending balance $ — $ — $ — $ — (dollars in thousands) Three Months Ended June 30, Six Months Ended June 30, Indirect automobile servicing rights 2022 2021 2022 2021 Beginning carrying value, net $ — $ 29 $ — $ 73 Amortization — (29) — (73) Ending carrying value, net $ — $ — $ — $ —
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) June 30, 2022 December 31, 2021 Residential mortgage servicing rights Unpaid principal balance of loans serviced for others $ 18,304,805 $ 16,786,442 Composition of residential loans serviced for others: FHLMC 21.78 % 21.88 % FNMA 60.49 % 60.26 % GNMA 17.73 % 17.86 % Total 100.00 % 100.00 % Weighted average term (months) 342 341 Weighted average age (months) 22 20 Modeled prepayment speed 8.11 % 12.96 % Decline in fair value due to a 10% adverse change (9,451) (8,368) Decline in fair value due to a 20% adverse change (17,679) (16,157) Weighted average discount rate 9.77 % 8.77 % Decline in fair value due to a 10% adverse change (11,577) (6,984) Decline in fair value due to a 20% adverse change (21,616) (13,504) (dollars in thousands) June 30, 2022 December 31, 2021 SBA servicing rights Unpaid principal balance of loans serviced for others $ 387,101 $ 410,167 Weighted average life (in years) 3.64 3.65 Modeled prepayment speed 17.81 % 17.68 % Decline in fair value due to a 10% adverse change (218) (291) Decline in fair value due to a 20% adverse change (419) (557) Weighted average discount rate 16.55 % 11.92 % Decline in fair value due to a 100 basis point adverse change (108) (144) Decline in fair value due to a 200 basis point adverse change (212) (282)

BASIS OF PRESENTATION AND ACC_3

BASIS OF PRESENTATION AND ACCOUNTING POLICIES - Narrative (Details) $ in Millions	Jun. 30, 2022 USD ($) branch	Dec. 31, 2021 USD ($)
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of branches operated | branch	164
Restricted cash | $	$ 0	$ 43

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized Cost and Estimated Fair Value of Investment Securities Available for Sale (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 1,068,350		$ 572,887
Allowance for Credit Losses	(88)	$ 0	0	$ (81)	$ (101)	$ (112)
Gross Unrealized Gains	689		19,929
Gross Unrealized Losses	(16,683)		(195)
Estimated Fair Value	1,052,268		592,621
U.S. Treasuries
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	314,613
Allowance for Credit Losses	0
Gross Unrealized Gains	0
Gross Unrealized Losses	(1,724)
Estimated Fair Value	312,889
U.S. government-sponsored agencies
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	2,050		7,084
Allowance for Credit Losses	0		0
Gross Unrealized Gains	0		88
Gross Unrealized Losses	(29)		0
Estimated Fair Value	2,021		7,172
State, county and municipal securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	41,428		45,470
Allowance for Credit Losses	0		0
Gross Unrealized Gains	261		2,342
Gross Unrealized Losses	(726)		0
Estimated Fair Value	40,963		47,812
Corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	15,897		27,897
Allowance for Credit Losses	(88)		0
Gross Unrealized Gains	2		719
Gross Unrealized Losses	(348)		(120)
Estimated Fair Value	15,463		28,496
SBA pool securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	35,854		44,312
Allowance for Credit Losses	0		0
Gross Unrealized Gains	6		958
Gross Unrealized Losses	(1,429)		(69)
Estimated Fair Value	34,431		45,201
Mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	658,508		448,124
Allowance for Credit Losses	0		0
Gross Unrealized Gains	420		15,822
Gross Unrealized Losses	(12,427)		(6)
Estimated Fair Value	$ 646,501		$ 463,940

INVESTMENT SECURITIES - Amort_2

INVESTMENT SECURITIES - Amortized Cost and Estimated Fair Value of Securities Held-to-Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 111,654	$ 79,850
Gross Unrealized Gains	0	4
Gross Unrealized Losses	(14,510)	(1,648)
Estimated Fair Value	97,144	78,206
State, county and municipal securities
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	31,905	8,905
Gross Unrealized Gains	0	4
Gross Unrealized Losses	(4,279)	(198)
Estimated Fair Value	27,626	8,711
Mortgage-backed securities
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	79,749	70,945
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(10,231)	(1,450)
Estimated Fair Value	$ 69,518	$ 69,495

INVESTMENT SECURITIES - Amort_3

INVESTMENT SECURITIES - Amortized Cost and Fair Value of Available for Sale Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Amortized Cost
Due in one year or less	$ 6,745
Due from one year to five years	339,429
Due from five to ten years	31,462
Due after ten years	32,206
Mortgage-backed securities	658,508
Amortized Cost	1,068,350	$ 572,887
Estimated Fair Value
Due in one year or less	6,754
Due from one year to five years	337,279
Due from five to ten years	31,085
Due after ten years	30,649
Mortgage-backed securities	646,501
Estimated Fair Value	1,052,268	592,621
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	31,905
Mortgage-backed securities	79,749
Amortized Cost	111,654	79,850
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	27,626
Mortgage-backed securities	69,518
Estimated Fair Value	$ 97,144	$ 78,206

INVESTMENT SECURITIES - Narrati

INVESTMENT SECURITIES - Narrative (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2022 USD ($) security	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Jun. 30, 2021 USD ($)	Mar. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Debt Securities, Available-for-sale [Line Items]
Allowance for credit loss | $	$ 88	$ 0	$ 0	$ 81	$ 101	$ 112
Unrealized losses | $	16,683		195
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	433
Number of securities in unrealized loss position	331
Debt Securities | Held-to-maturity Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in security portfolio	19
Number of securities in unrealized loss position	19
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	270
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises | Held-to-maturity Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position	13
SBA pool securities
Debt Securities, Available-for-sale [Line Items]
Allowance for credit loss | $	$ 0		0
Unrealized losses | $	$ 1,429		69
SBA pool securities | Available-for-sale Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position	33
State, County And Municipal Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position	12
Corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Allowance for credit loss | $	$ 88		0
Unrealized losses | $	$ 348		120
Corporate debt securities | Available-for-sale Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position	4
U.S. government sponsored agency security | Available-for-sale Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position	2
State, county and municipal securities
Debt Securities, Available-for-sale [Line Items]
Allowance for credit loss | $	$ 0		0
Unrealized losses | $	$ 726		0
State, county and municipal securities | Available-for-sale Debt Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position	10
State, county and municipal securities | Held-to-maturity Securities
Debt Securities, Available-for-sale [Line Items]
Number of securities in unrealized loss position	6
Collateral Pledged
Debt Securities, Available-for-sale [Line Items]
Pledged securities, carrying value | $	$ 298,200		$ 366,700

INVESTMENT SECURITIES - Schedul

INVESTMENT SECURITIES - Schedule of Gross Unrealized Losses and Fair Value of Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Estimated Fair Value
Less than 12 months, estimated fair value	$ 943,494	$ 6,826
12 months or more, estimated fair value	3,631	3,953
Total estimated fair value	947,125	10,779
Unrealized Losses
Less than 12 months, unrealized losses	(16,541)	(12)
12 months or more, unrealized losses	(142)	(183)
Total unrealized losses	(16,683)	(195)
U.S. Treasuries
Estimated Fair Value
Less than 12 months, estimated fair value	312,889
12 months or more, estimated fair value	0
Total estimated fair value	312,889
Unrealized Losses
Less than 12 months, unrealized losses	(1,724)
12 months or more, unrealized losses	0
Total unrealized losses	(1,724)
U.S. government-sponsored agencies
Estimated Fair Value
Less than 12 months, estimated fair value	2,021
12 months or more, estimated fair value	0
Total estimated fair value	2,021
Unrealized Losses
Less than 12 months, unrealized losses	(29)
12 months or more, unrealized losses	0
Total unrealized losses	(29)
State, county and municipal securities
Estimated Fair Value
Less than 12 months, estimated fair value	15,199
12 months or more, estimated fair value	0
Total estimated fair value	15,199
Unrealized Losses
Less than 12 months, unrealized losses	(726)
12 months or more, unrealized losses	0
Total unrealized losses	(726)
Corporate debt securities
Estimated Fair Value
Less than 12 months, estimated fair value	12,244	0
12 months or more, estimated fair value	1,320	1,380
Total estimated fair value	13,564	1,380
Unrealized Losses
Less than 12 months, unrealized losses	(256)	0
12 months or more, unrealized losses	(92)	(120)
Total unrealized losses	(348)	(120)
SBA pool securities
Estimated Fair Value
Less than 12 months, estimated fair value	31,755	1,312
12 months or more, estimated fair value	2,310	2,572
Total estimated fair value	34,065	3,884
Unrealized Losses
Less than 12 months, unrealized losses	(1,379)	(6)
12 months or more, unrealized losses	(50)	(63)
Total unrealized losses	(1,429)	(69)
Mortgage-backed securities
Estimated Fair Value
Less than 12 months, estimated fair value	569,386	5,514
12 months or more, estimated fair value	1	1
Total estimated fair value	569,387	5,515
Unrealized Losses
Less than 12 months, unrealized losses	(12,427)	(6)
12 months or more, unrealized losses	0	0
Total unrealized losses	$ (12,427)	$ (6)

INVESTMENT SECURITIES - Sched_2

INVESTMENT SECURITIES - Schedule of Held-to-Maturity Securities with Unrealized Losses (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Estimated Fair Value
Less than 12 months, estimated fair value	$ 97,144	$ 73,202
12 months or more, estimated fair value	0	0
Total estimated fair value	97,144	73,202
Unrealized Losses
Less than 12 months, unrealized losses	(14,510)	(1,648)
12 months or more, unrealized losses	0	0
Total unrealized losses	(14,510)	(1,648)
State, county and municipal securities
Estimated Fair Value
Less than 12 months, estimated fair value	27,626	3,707
12 months or more, estimated fair value	0	0
Total estimated fair value	27,626	3,707
Unrealized Losses
Less than 12 months, unrealized losses	(4,279)	(198)
12 months or more, unrealized losses	0	0
Total unrealized losses	(4,279)	(198)
Mortgage-backed securities
Estimated Fair Value
Less than 12 months, estimated fair value	69,518	69,495
12 months or more, estimated fair value	0	0
Total estimated fair value	69,518	69,495
Unrealized Losses
Less than 12 months, unrealized losses	(10,231)	(1,450)
12 months or more, unrealized losses	0	0
Total unrealized losses	$ (10,231)	$ (1,450)

INVESTMENT SECURITIES - Sched_3

INVESTMENT SECURITIES - Schedule of Investments Available-for-sale, Allowance for Credit Loss (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Debt Securities, Available-for-sale, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 0	$ 101	$ 0	$ 112
Provision for expected credit losses	88	(20)	88	(31)
Ending balance	$ 88	$ 81	$ 88	$ 81

INVESTMENT SECURITIES - Sched_4

INVESTMENT SECURITIES - Schedule of Gain on Securities (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Investments, Debt and Equity Securities [Abstract]
Unrealized holding gains (losses) on equity securities	$ (22)	$ 1	$ (49)	$ (11)
Net realized gains on sales of other investments			270	0
Net gain (loss) on securities	$ 248	$ 1	$ 221	$ (11)

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans Receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 17,561,022	$ 15,874,258
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	2,022,845	1,875,993
Consumer installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	167,237	191,298
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	172,245	265,779
Mortgage warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	949,191	787,837
Municipal
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	529,268	572,701
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	942,357	798,409
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	1,747,284	1,452,339
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	7,156,017	6,834,917
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 3,874,578	$ 3,094,985

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($) $ in Thousands	6 Months Ended		12 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Deferred interest on loans, allowance for credit losses	$ 0		$ 214,000
Interest income on nonaccrual loans	0	$ 0
Loans modified that are not troubled debt restructurings	214,800	$ 220,800
Loans Excluding Purchased Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Troubled debt restructuring	41,800		76,600
Previous charge-offs	698		654
Allowance for loan losses allocated to troubled debt restructuring	2,500		10,500
Loan Receivables
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrued interest receivable	$ 53,100		$ 54,800

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans Accounted for on a Nonaccrual Basis (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	$ 122,912	$ 85,266
Financing receivable, nonaccrual, no allowance	7,519	10,376
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	11,742	14,214
Financing receivable, nonaccrual, no allowance	0	164
Consumer installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	473	476
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	465	947
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	178	492
Financing receivable, nonaccrual, no allowance	0	209
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	21,158	15,365
Financing receivable, nonaccrual, no allowance	2,448	2,061
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	88,896	53,772
Financing receivable, nonaccrual, no allowance	$ 5,071	$ 7,942

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Analysis of Past-Due Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Total Loans	$ 17,561,022	$ 15,874,258
Loans 90 Days or More Past Due and Still Accruing	8,542	12,648
Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	206,389	148,707
Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	60,951	54,024
Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	36,887	14,215
Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	108,552	80,468
Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	17,354,633	15,725,551
Commercial, financial and agricultural
Financing Receivable, Past Due [Line Items]
Total Loans	2,022,845	1,875,993
Loans 90 Days or More Past Due and Still Accruing	1,697	1,165
Commercial, financial and agricultural | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	18,610	17,453
Commercial, financial and agricultural | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	3,822	3,431
Commercial, financial and agricultural | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	3,725	2,005
Commercial, financial and agricultural | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	11,063	12,017
Commercial, financial and agricultural | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	2,004,235	1,858,540
Consumer installment
Financing Receivable, Past Due [Line Items]
Total Loans	167,237	191,298
Loans 90 Days or More Past Due and Still Accruing	466	584
Consumer installment | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	2,570	3,548
Consumer installment | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	1,132	1,786
Consumer installment | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	739	871
Consumer installment | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	699	891
Consumer installment | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	164,667	187,750
Indirect automobile
Financing Receivable, Past Due [Line Items]
Total Loans	172,245	265,779
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	827	1,430
Indirect automobile | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	394	772
Indirect automobile | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	137	185
Indirect automobile | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	296	473
Indirect automobile | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	171,418	264,349
Mortgage warehouse
Financing Receivable, Past Due [Line Items]
Total Loans	949,191	787,837
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	949,191	787,837
Municipal
Financing Receivable, Past Due [Line Items]
Total Loans	529,268	572,701
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	529,268	572,701
Premium finance
Financing Receivable, Past Due [Line Items]
Total Loans	942,357	798,409
Loans 90 Days or More Past Due and Still Accruing	5,795	9,134
Premium finance | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	19,655	20,466
Premium finance | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	7,462	6,992
Premium finance | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	6,398	4,340
Premium finance | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	5,795	9,134
Premium finance | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	922,702	777,943
Real estate – construction and development
Financing Receivable, Past Due [Line Items]
Total Loans	1,747,284	1,452,339
Loans 90 Days or More Past Due and Still Accruing	584	1,758
Real estate – construction and development | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	24,360	20,189
Real estate – construction and development | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	18,050	16,601
Real estate – construction and development | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	5,677	1,398
Real estate – construction and development | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	633	2,190
Real estate – construction and development | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	1,722,924	1,432,150
Real estate – commercial and farmland
Financing Receivable, Past Due [Line Items]
Total Loans	7,156,017	6,834,917
Loans 90 Days or More Past Due and Still Accruing	0	7
Real estate – commercial and farmland | Total Loans Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	17,705	13,787
Real estate – commercial and farmland | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	2,706	6,713
Real estate – commercial and farmland | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	11,334	1,150
Real estate – commercial and farmland | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	3,666	5,924
Real estate – commercial and farmland | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	7,138,312	6,821,130
Real estate – residential
Financing Receivable, Past Due [Line Items]
Total Loans	3,874,578	3,094,985
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	122,662	71,834
Real estate – residential | Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	27,385	17,729
Real estate – residential | Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	8,877	4,266
Real estate – residential | Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	86,400	49,839
Real estate – residential | Current Loans
Financing Receivable, Past Due [Line Items]
Total Loans	$ 3,751,916	$ 3,023,151

LOANS AND ALLOWANCE FOR CREDI_7

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Summary of Information Pertaining to Impaired Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	$ 39,968	$ 52,078
Allowance for Credit Losses	3,935	7,897
Commercial, financial and agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	1,695	2,613
Allowance for Credit Losses	168	723
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	1,136	2,989
Allowance for Credit Losses	91	30
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	0	1,432
Allowance for Credit Losses	0	45
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	22,820	33,332
Allowance for Credit Losses	2,096	6,646
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance	14,317	11,712
Allowance for Credit Losses	$ 1,580	$ 453

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans by Risk Grade (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	$ 3,623,824	$ 5,989,264
Year two	5,025,261	2,709,114
Year three	2,511,814	1,925,433
Year four	1,588,879	1,037,226
Year five	855,368	898,344
Prior	2,348,000	1,925,757
Revolving Loans Amortized Cost Basis	1,607,876	1,389,120
Loans, net of unearned income	17,561,022	15,874,258
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	534,488	913,036
Year two	638,418	280,305
Year three	215,471	193,301
Year four	147,175	120,512
Year five	86,618	53,671
Prior	66,680	48,227
Revolving Loans Amortized Cost Basis	333,995	266,941
Loans, net of unearned income	2,022,845	1,875,993
Commercial, financial and agricultural | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	527,870	903,630
Year two	637,107	279,037
Year three	214,934	188,810
Year four	143,779	118,613
Year five	85,058	50,737
Prior	59,648	40,376
Revolving Loans Amortized Cost Basis	331,032	262,951
Loans, net of unearned income	1,999,428	1,844,154
Commercial, financial and agricultural | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	190
Year two	151	0
Year three	92	393
Year four	274	427
Year five	160	368
Prior	2,881	1,832
Revolving Loans Amortized Cost Basis	794	1,961
Loans, net of unearned income	4,352	5,171
Commercial, financial and agricultural | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	6,618	9,216
Year two	1,160	1,268
Year three	445	4,098
Year four	3,122	1,472
Year five	1,400	2,566
Prior	4,151	6,019
Revolving Loans Amortized Cost Basis	2,169	2,029
Loans, net of unearned income	19,065	26,668
Consumer installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	25,944	35,840
Year two	18,234	59,504
Year three	46,455	37,485
Year four	28,923	27,482
Year five	21,619	9,890
Prior	17,167	11,561
Revolving Loans Amortized Cost Basis	8,895	9,536
Loans, net of unearned income	167,237	191,298
Consumer installment | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	25,920	35,781
Year two	18,153	59,221
Year three	46,134	37,195
Year four	28,754	27,266
Year five	21,530	9,787
Prior	16,607	11,021
Revolving Loans Amortized Cost Basis	8,804	9,437
Loans, net of unearned income	165,902	189,708
Consumer installment | 6
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	130	135
Revolving Loans Amortized Cost Basis	5	5
Loans, net of unearned income	135	140
Consumer installment | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	24	59
Year two	81	283
Year three	321	290
Year four	169	216
Year five	89	103
Prior	430	405
Revolving Loans Amortized Cost Basis	86	94
Loans, net of unearned income	1,200	1,450
Indirect automobile
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	20,331
Year four	15,400	102,227
Year five	73,223	90,688
Prior	83,622	52,533
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	172,245	265,779
Indirect automobile | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	20,276
Year four	15,350	101,969
Year five	72,999	90,294
Prior	82,645	51,468
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	170,994	264,007
Indirect automobile | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	24
Year five	0	10
Prior	20	19
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	20	53
Indirect automobile | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	55
Year four	50	234
Year five	224	384
Prior	957	1,046
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	1,231	1,719
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	949,191	787,837
Loans, net of unearned income	949,191	787,837
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	949,191	787,837
Loans, net of unearned income	949,191	787,837
Municipal
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	10,775	44,727
Year two	43,922	219,385
Year three	194,357	14,831
Year four	13,779	5,494
Year five	4,853	109,040
Prior	261,582	179,224
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	529,268	572,701
Municipal | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	10,775	44,727
Year two	43,922	219,385
Year three	194,357	14,831
Year four	13,779	5,494
Year five	4,853	109,040
Prior	261,582	179,224
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	529,268	572,701
Premium finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	792,621	796,923
Year two	149,550	1,154
Year three	111	26
Year four	0	0
Year five	0	302
Prior	75	4
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	942,357	798,409
Premium finance | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	790,855	787,884
Year two	146,821	1,059
Year three	110	26
Year four	0	0
Year five	0	302
Prior	75	4
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	937,861	789,275
Premium finance | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	1,766	9,039
Year two	2,729	95
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	4,496	9,134
Real estate – construction and development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	385,031	833,764
Year two	850,008	292,041
Year three	300,493	176,483
Year four	128,463	53,509
Year five	26,018	24,590
Prior	31,066	47,626
Revolving Loans Amortized Cost Basis	26,205	24,326
Loans, net of unearned income	1,747,284	1,452,339
Real estate – construction and development | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	380,485	826,094
Year two	844,549	290,814
Year three	299,850	176,476
Year four	128,437	35,773
Year five	12,891	24,533
Prior	30,227	44,514
Revolving Loans Amortized Cost Basis	26,205	21,267
Loans, net of unearned income	1,722,644	1,419,471
Real estate – construction and development | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	4,330	6,527
Year two	5,241	549
Year three	432	0
Year four	0	15,260
Year five	48	0
Prior	580	2,101
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	10,631	24,437
Real estate – construction and development | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	216	1,143
Year two	218	678
Year three	211	7
Year four	26	2,476
Year five	13,079	57
Prior	259	1,011
Revolving Loans Amortized Cost Basis	0	3,059
Loans, net of unearned income	14,009	8,431
Real estate – commercial and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	994,400	2,191,416
Year two	2,072,283	1,208,260
Year three	1,153,101	1,131,384
Year four	934,700	566,131
Year five	504,851	496,672
Prior	1,423,699	1,160,655
Revolving Loans Amortized Cost Basis	72,983	80,399
Loans, net of unearned income	7,156,017	6,834,917
Real estate – commercial and farmland | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	993,793	2,186,291
Year two	2,069,024	1,205,578
Year three	1,150,513	1,119,239
Year four	891,580	542,295
Year five	496,721	486,477
Prior	1,373,284	1,103,675
Revolving Loans Amortized Cost Basis	72,965	80,379
Loans, net of unearned income	7,047,880	6,723,934
Real estate – commercial and farmland | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	607	416
Year two	0	0
Year three	0	1,036
Year four	29,343	14,760
Year five	1,163	5,334
Prior	18,007	21,665
Revolving Loans Amortized Cost Basis	0	0
Loans, net of unearned income	49,120	43,211
Real estate – commercial and farmland | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	4,709
Year two	3,259	2,682
Year three	2,588	11,109
Year four	13,777	9,076
Year five	6,967	4,861
Prior	32,408	35,315
Revolving Loans Amortized Cost Basis	18	20
Loans, net of unearned income	59,017	67,772
Real estate – residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	880,565	1,173,558
Year two	1,252,846	648,465
Year three	601,826	351,592
Year four	320,439	161,871
Year five	138,186	113,491
Prior	464,109	425,927
Revolving Loans Amortized Cost Basis	216,607	220,081
Loans, net of unearned income	3,874,578	3,094,985
Real estate – residential | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	880,233	1,171,008
Year two	1,243,230	638,232
Year three	582,823	329,247
Year four	290,790	149,990
Year five	123,347	108,538
Prior	438,034	408,240
Revolving Loans Amortized Cost Basis	214,894	217,982
Loans, net of unearned income	3,773,351	3,023,237
Real estate – residential | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	64	145
Year two	218	66
Year three	47	1,106
Year four	608	505
Year five	508	356
Prior	2,680	3,717
Revolving Loans Amortized Cost Basis	61	49
Loans, net of unearned income	4,186	5,944
Real estate – residential | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	268	2,405
Year two	9,398	10,167
Year three	18,956	21,239
Year four	29,041	11,376
Year five	14,331	4,597
Prior	23,395	13,970
Revolving Loans Amortized Cost Basis	1,652	2,050
Loans, net of unearned income	97,041	65,804
Total Loans | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	3,609,931	5,955,415
Year two	5,002,806	2,693,326
Year three	2,488,721	1,886,100
Year four	1,512,469	981,400
Year five	817,399	879,708
Prior	2,262,102	1,838,522
Revolving Loans Amortized Cost Basis	1,603,091	1,379,853
Loans, net of unearned income	17,296,519	15,614,324
Total Loans | 6
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	5,001	7,278
Year two	5,610	615
Year three	571	2,535
Year four	30,225	30,976
Year five	1,879	6,068
Prior	24,298	29,469
Revolving Loans Amortized Cost Basis	860	2,015
Loans, net of unearned income	68,444	78,956
Total Loans | 7
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	8,892	26,571
Year two	16,845	15,173
Year three	22,522	36,798
Year four	46,185	24,850
Year five	36,090	12,568
Prior	61,600	57,766
Revolving Loans Amortized Cost Basis	3,925	7,252
Loans, net of unearned income	$ 196,059	$ 180,978

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		6 Months Ended		12 Months Ended
	Jun. 30, 2022 USD ($) contract branch	Jun. 30, 2021 USD ($) contract branch	Jun. 30, 2022 USD ($) contract branch	Jun. 30, 2021 USD ($) contract branch	Dec. 31, 2021 USD ($) contract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	8	9	15	25
Troubled debt restructurings principal balances	$ 2,298	$ 9,298	$ 3,510	$ 18,368
Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	14	25	37	60
Troubled debt restructurings principal balances	$ 1,073	$ 1,169	$ 3,181	$ 7,195
Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			445		494
Troubled debt restructurings principal balances			$ 36,100		$ 65,582
Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			78		120
Troubled debt restructurings principal balances			$ 5,657		$ 11,006
Commercial, financial and agricultural
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	2	2	2	6
Troubled debt restructurings principal balances	$ 502	$ 165	$ 502	$ 591
Commercial, financial and agricultural | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	0	1	3
Troubled debt restructurings principal balances	$ 0	$ 0	$ 357	$ 49
Commercial, financial and agricultural | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			9		12
Troubled debt restructurings principal balances			$ 964		$ 1,286
Commercial, financial and agricultural | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			3		6
Troubled debt restructurings principal balances			$ 364		$ 83
Consumer installment
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	2	0	2
Troubled debt restructurings principal balances	$ 0	$ 8	$ 0	$ 8
Consumer installment | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	0	2	4
Troubled debt restructurings principal balances	$ 0	$ 0	$ 3	$ 5
Consumer installment | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			4		7
Troubled debt restructurings principal balances			$ 9		$ 16
Consumer installment | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			10		17
Troubled debt restructurings principal balances			$ 14		$ 35
Premium finance
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	2		6	0
Troubled debt restructurings principal balances	$ 756		$ 993	$ 0
Premium finance | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			6
Troubled debt restructurings principal balances			$ 993
Premium finance | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			0
Troubled debt restructurings principal balances			$ 0
Indirect automobile | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | branch	3	7	12	22
Troubled debt restructurings principal balances	$ 2	$ 27	$ 22	$ 112
Indirect automobile | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			196		233
Troubled debt restructurings principal balances			$ 759		$ 1,037
Indirect automobile | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			30		52
Troubled debt restructurings principal balances			$ 122		$ 273
Real estate – construction and development | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	0	0	1
Troubled debt restructurings principal balances	$ 0	$ 0	$ 0	$ 1
Real estate – construction and development | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			2		4
Troubled debt restructurings principal balances			$ 706		$ 789
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			0		1
Troubled debt restructurings principal balances			$ 0		$ 13
Real estate – commercial and farmland
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	2	3	2	5
Troubled debt restructurings principal balances	$ 578	$ 8,653	$ 578	$ 16,312
Real estate – commercial and farmland | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	0	1	1	3
Troubled debt restructurings principal balances	$ 0	$ 202	$ 8	$ 5,382
Real estate – commercial and farmland | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			18		25
Troubled debt restructurings principal balances			$ 8,213		$ 35,575
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			4		5
Troubled debt restructurings principal balances			$ 788		$ 5,924
Real estate – residential
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	2	2	5	12
Troubled debt restructurings principal balances	$ 462	$ 472	$ 1,437	$ 1,457
Real estate – residential | Financing Receivables, 30 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	11	17	21	27
Troubled debt restructurings principal balances	$ 1,071	$ 940	$ 2,791	$ 1,646
Real estate – residential | Financing Receivables, 30 Days Past Due | Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			210		213
Troubled debt restructurings principal balances			$ 24,456		$ 26,879
Real estate – residential | Financing Receivables, 30 Days Past Due | Non-Accruing Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			31		39
Troubled debt restructurings principal balances			$ 4,369		$ 4,678

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	$ 161,251	$ 178,570	$ 167,582	$ 199,422
Provision for loan losses	13,227	(899)	10,493	(17,478)
Loans charged off	(6,853)	(7,138)	(15,432)	(14,712)
Recoveries of loans previously charged off	5,017	4,537	9,999	7,838
Ending balance, Allowance	172,642	175,070	172,642	175,070
Commercial, financial and agricultural
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	25,526	8,291	26,829	7,359
Provision for loan losses	1,738	1,502	1,953	4,077
Loans charged off	(4,391)	(3,529)	(8,805)	(5,899)
Recoveries of loans previously charged off	2,785	625	5,681	1,352
Ending balance, Allowance	25,658	6,889	25,658	6,889
Consumer installment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	5,619	8,790	6,097	4,076
Provision for loan losses	557	491	1,346	6,297
Loans charged off	(1,137)	(1,669)	(2,562)	(3,117)
Recoveries of loans previously charged off	230	212	388	568
Ending balance, Allowance	5,269	7,824	5,269	7,824
Indirect automobile
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	373	1,272	476	1,929
Provision for loan losses	(306)	(423)	(596)	(951)
Loans charged off	(41)	(141)	(129)	(970)
Recoveries of loans previously charged off	265	372	540	1,072
Ending balance, Allowance	291	1,080	291	1,080
Mortgage warehouse
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	3,010	3,521	3,231	3,666
Provision for loan losses	875	(156)	654	(301)
Loans charged off	0	0	0	0
Recoveries of loans previously charged off	0	0	0	0
Ending balance, Allowance	3,885	3,365	3,885	3,365
Municipal
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	384	790	401	791
Provision for loan losses	(13)	(13)	(30)	(14)
Loans charged off	0	0	0	0
Recoveries of loans previously charged off	0	0	0	0
Ending balance, Allowance	371	777	371	777
Premium finance
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	2,515	4,100	2,729	3,879
Provision for loan losses	200	(833)	108	(391)
Loans charged off	(1,066)	(1,194)	(2,435)	(2,537)
Recoveries of loans previously charged off	1,113	2,466	2,360	3,588
Ending balance, Allowance	2,762	4,539	2,762	4,539
Real estate – construction and development
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	26,831	22,858	22,045	45,304
Provision for loan losses	(3,954)	(3,757)	614	(26,344)
Loans charged off	0	(186)	0	(212)
Recoveries of loans previously charged off	355	84	573	251
Ending balance, Allowance	23,232	18,999	23,232	18,999
Real estate – commercial and farmland
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	67,033	91,211	77,831	88,894
Provision for loan losses	(7,647)	(3,031)	(17,199)	640
Loans charged off	(81)	(27)	(1,364)	(1,422)
Recoveries of loans previously charged off	44	185	81	226
Ending balance, Allowance	59,349	88,338	59,349	88,338
Real estate – residential
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	29,960	37,737	27,943	43,524
Provision for loan losses	21,777	5,321	23,643	(491)
Loans charged off	(137)	(392)	(137)	(555)
Recoveries of loans previously charged off	225	593	376	781
Ending balance, Allowance	$ 51,825	$ 43,259	$ 51,825	$ 43,259

SECURITIES SOLD UNDER AGREEME_3

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Securities sold under agreements to repurchase	$ 953	$ 5,845

OTHER BORROWINGS - Schedule of

OTHER BORROWINGS - Schedule of Other Borrowings (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 127,325	$ 126,328
Other borrowings	425,592	739,879
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	$ 1,394	1,400
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	$ 965	969
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	$ 1,348	1,421
Debt instrument, interest rate, effective percentage	3.095%
Subordinated notes payable due June 1, 2026, net of unaccreted purchase accounting fair value adjustment of $— and $500, respectively; fixed interest rate of 5.50%
Other Borrowings [Line Items]
Subordinated deferrable interest debentures	$ 0	50,500
Debt instrument, interest rate, effective percentage	5.50%
Unaccreted purchase accounting fair value adjustment	$ 0	(500)
Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $616 and $681, 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	$ 74,384	74,319
Debt instrument, interest rate, effective percentage	5.75%
Unamortized debt issuance expense	$ 616	681
Subordinated notes payable due March 15, 2027 net of unamortized debt issuance cost of $616 and $681, 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 $1,801 and $1,923, 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	$ 118,199	118,077
Debt instrument, interest rate, effective percentage	4.25%
Unamortized debt issuance expense	$ 1,801	1,923
Subordinated notes payable due December 15, 2029 net of unamortized debt issuance cost of $1,801 and $1,923, 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 $967 and $1,028, 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	$ 75,967	76,028
Debt instrument, interest rate, effective percentage	5.875%
Unaccreted purchase accounting fair value adjustment	$ (967)	(1,028)
Subordinated notes payable due May 31, 2030 net of unaccreted purchase accounting fair value adjustment of $967 and $1,028, 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 $1,665 and $1,766, 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	$ 108,335	108,234
Debt instrument, interest rate, effective percentage	3.875%
Unamortized debt issuance expense	$ 1,665	1,766
Subordinated notes payable due October 1, 2030 net of unamortized debt issuance cost of $1,665 and $1,766, 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%
Equipment contract backed notes, Series 2018-1 (BCC XIV) due on various dates through 2025 and bear a weighted-average interest rate of 5.11%
Other Borrowings [Line Items]
Securitization facilities	$ 0	19,199
Debt instrument, interest rate, effective percentage	5.11%
Equipment contract backed notes, Series 2019-1 (BCC XVI) due on various dates through 2027 and bear a weighted-average interest rate of 2.84%
Other Borrowings [Line Items]
Securitization facilities	$ 0	139,329
Debt instrument, interest rate, effective percentage	2.84%
Equipment contract backed notes, Series 2020-1 (BCC XVII) due on various dates through 2027 and bear a weighted-average interest rate of 1.48%
Other Borrowings [Line Items]
Securitization facilities	$ 0	$ 105,403
Debt instrument, interest rate, effective percentage	1.48%

OTHER BORROWINGS - Narrative (D

OTHER BORROWINGS - Narrative (Details) $ in Millions	Jun. 30, 2022 USD ($)
Debt Disclosure [Abstract]
Federal home loan bank, advances, general debt obligations, amount of available, unused funds	$ 4,190
Credit arrangements for federal funds purchase	127
Pledged assets separately reported, loans pledged for federal reserve bank, at fair value	2,910
Loans pledged at federal reserve discount window available for borrowing	$ 2,210

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	$ 3,007,159	$ 2,757,596	$ 2,966,451	$ 2,647,088
Reclassification for gains included in net income, net of tax	0	0	0	0
Current year changes, net of tax	(10,794)	(1,066)	(28,225)	(8,481)
Balance at end of period	3,073,376	2,837,004	3,073,376	2,837,004
Unrealized Gain (Loss) on Securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(1,841)	26,090	15,590	33,505
Reclassification for gains included in net income, net of tax	0	0	0	0
Current year changes, net of tax	(10,794)	(1,066)	(28,225)	(8,481)
Balance at end of period	(12,635)	25,024	(12,635)	25,024
Accumulated Other Comprehensive Income (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(1,841)	26,090	15,590	33,505
Balance at end of period	$ (12,635)	$ 25,024	$ (12,635)	$ 25,024

WEIGHTED AVERAGE SHARES OUTST_3

WEIGHTED AVERAGE SHARES OUTSTANDING (Details) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Earnings Per Share [Abstract]
Average common shares outstanding (in shares)	69,136,000	69,497,000	69,246,000	69,448,000
Common share equivalents:
Stock options (in shares)	16,000	64,000	24,000	74,000
Nonvested restricted share grants (in shares)	46,000	151,000	97,000	153,000
Performance share units (in shares)	118,000	80,000	118,000	90,000
Average common shares outstanding, assuming dilution (in shares)	69,316,000	69,792,000	69,485,000	69,765,000
Potential common shares with strike prices that would cause them to be anti-dilutive (in shares)	33,536	0	0	0

FAIR VALUE MEASURES - Loans Hel

FAIR VALUE MEASURES - Loans Held for Sale Under the Fair Value Option (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 555,665	$ 1,254,632
Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	555,039	1,247,997
SBA loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 626	$ 6,635

FAIR VALUE MEASURES - Narrative

FAIR VALUE MEASURES - Narrative (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Fair Value Disclosures [Abstract]
Net gains (losses) from change in fair value of mortgages loans held for sale	$ 11.2	$ 10	$ (32.7)	$ (15.1)
Net losses from change in fair value of derivative financial instruments	$ 27.1	$ 45.1	$ 1.2	$ 17.6

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	Jun. 30, 2022	Dec. 31, 2021
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	$ 555,039	$ 1,247,997
Aggregate unpaid principal balance of loans held for sale	551,420	1,211,646
Past-due loans of 90 days or more	694	746
Nonaccrual loans	694	746
Unpaid principal balance of nonaccrual loans	712	718
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	626	6,635
Aggregate unpaid principal balance of loans held for sale	565	5,825
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	Jun. 30, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	$ 1,052,268	$ 592,621
Loans held for sale	555,665	1,254,632
U.S. government-sponsored agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	2,021	7,172
State, county and municipal securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	40,963	47,812
Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	15,463	28,496
SBA pool securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	34,431	45,201
Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	646,501	463,940
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	555,665	1,254,632
Total recurring assets at fair value	1,618,012	1,859,193
Total recurring liabilities at fair value		710
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	312,889	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	555,665	1,254,632
Total recurring assets at fair value	1,303,803	1,857,813
Total recurring liabilities at fair value		710
Fair Value, Measurements, Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	1,320	1,380
Loans held for sale	0	0
Total recurring assets at fair value	1,320	1,380
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	10,079	11,940
Mortgage banking derivative instruments		710
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
Mortgage banking derivative instruments		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	10,079	11,940
Mortgage banking derivative instruments		710
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
Mortgage banking derivative instruments		0
Fair Value, Measurements, Recurring | U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	312,889
Fair Value, Measurements, Recurring | U.S. Treasuries | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	312,889
Fair Value, Measurements, Recurring | U.S. Treasuries | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	0
Fair Value, Measurements, Recurring | U.S. Treasuries | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	0
Fair Value, Measurements, Recurring | U.S. government-sponsored agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	2,021	7,172
Fair Value, Measurements, Recurring | U.S. government-sponsored agencies | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	2,021	7,172
Fair Value, Measurements, Recurring | U.S. government-sponsored agencies | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	40,963	47,812
Fair Value, Measurements, Recurring | State, county and municipal securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	40,963	47,812
Fair Value, Measurements, Recurring | State, county and municipal securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	15,463	28,496
Fair Value, Measurements, Recurring | Corporate debt securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	14,143	27,116
Fair Value, Measurements, Recurring | Corporate debt securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	1,320	1,380
Fair Value, Measurements, Recurring | SBA pool securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale, at fair value	34,431	45,201
Fair Value, Measurements, Recurring | SBA pool securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	34,431	45,201
Fair Value, Measurements, Recurring | SBA pool securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	646,501	463,940
Fair Value, Measurements, Recurring | Mortgage-backed securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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]
Debt securities available for sale, at fair value	646,501	463,940
Fair Value, Measurements, Recurring | Mortgage-backed securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt 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	Jun. 30, 2022	Dec. 31, 2021
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	$ 293,847	$ 251,125
Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	36,033	44,181
Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	702
Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	257,112	206,944
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
Level 1 | Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 2
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
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
Level 2 | Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	0	0
Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	293,847	251,125
Level 3 | Collateral-dependent loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	36,033	44,181
Level 3 | Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	702
Level 3 | Mortgage servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Assets at fair value	$ 257,112	$ 206,944

FAIR VALUE MEASURES - Significa

FAIR VALUE MEASURES - Significant Unobservable Inputs Used in Fair Value Measurement of Level 3 Assets and Liabilities (Details) $ in Thousands	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Debt securities available for sale, at fair value	$ 1,052,268	$ 592,621
Other real estate owned, at fair value	835	3,810
Fair Value, Measurements, Recurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Debt securities available for sale, at fair value	1,320	1,380
Fair Value, Measurements, Nonrecurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral-dependent loans, at fair value	36,033	44,181
Other real estate owned, at fair value	702
Mortgage servicing rights	$ 257,112	$ 206,944
Discounted par values | Discount rate | Fair Value, Measurements, Recurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Debt securities available for sale, measurement input	0.13	0.08
Discounted par values | Discount rate | Fair Value, Measurements, Recurring | Weighted Average Daily Balance | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Debt securities available for sale, measurement input	0.13	0.08
Discounted par values | Loss Given Default | Fair Value, Measurements, Recurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Debt securities available for sale, measurement input	0.44
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]
Debt securities available for sale, measurement input	0.44
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	0%	0%
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	40%	50%
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	31%	39%
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	0.55
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	0.37
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	0.10	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	0.11	0.10
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	0.10	0.09
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	0.04	0.10
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	0.22	0.40
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	0.08	13

FAIR VALUE MEASURES - Carrying

FAIR VALUE MEASURES - Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Financial assets:
Cash and due from banks	$ 345,627	$ 307,813
Federal funds sold and interest-bearing accounts	1,961,209	3,756,844
Debt securities held-to-maturity	97,144	78,206
Financial liabilities:
Other borrowings	425,592	739,879
Subordinated deferrable interest debentures	127,325	126,328
Carrying Amount
Financial assets:
Cash and due from banks	345,627	307,813
Federal funds sold and interest-bearing accounts	1,961,209	3,756,844
Debt securities held-to-maturity	111,654	79,850
Loans, net	17,352,347	15,662,495
Accrued interest receivable	56,995	56,917
Financial liabilities:
Deposits	19,684,982	19,665,553
Securities sold under agreements to repurchase	953	5,845
Other borrowings	425,592	739,879
Subordinated deferrable interest debentures	127,325	126,328
Accrued interest payable	2,875	4,313
Fair Value
Financial assets:
Cash and due from banks	345,627	307,813
Federal funds sold and interest-bearing accounts	1,961,209	3,756,844
Debt securities held-to-maturity	97,144	78,206
Loans, net	17,056,635	15,509,410
Accrued interest receivable	56,995	56,917
Financial liabilities:
Deposits	19,682,653	19,667,612
Securities sold under agreements to repurchase	953	5,845
Other borrowings	418,722	760,829
Subordinated deferrable interest debentures	117,240	117,764
Accrued interest payable	2,875	4,313
Fair Value | Level 1
Financial assets:
Cash and due from banks	345,627	307,813
Federal funds sold and interest-bearing accounts	1,961,209	3,756,844
Debt 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	953	5,845
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
Debt securities held-to-maturity	97,144	78,206
Loans, net	0	0
Accrued interest receivable	3,867	2,373
Financial liabilities:
Deposits	19,682,653	19,667,612
Securities sold under agreements to repurchase	0	0
Other borrowings	418,722	760,829
Subordinated deferrable interest debentures	117,240	117,764
Accrued interest payable	2,875	4,313
Fair Value | Level 3
Financial assets:
Cash and due from banks	0	0
Federal funds sold and interest-bearing accounts	0	0
Debt securities held-to-maturity	0	0
Loans, net	17,056,635	15,509,410
Accrued interest receivable	53,128	54,544
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	Jun. 30, 2022	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Commitments to extend credit	$ 5,420,227	$ 4,328,749
Unused home equity lines of credit	303,428	272,029
Financial standby letters of credit	30,272	36,184
Mortgage interest rate lock commitments	$ 320,320	$ 417,126

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES - Allowance for Unfunded Commitments (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision for unfunded commitments	$ 13,227	$ (899)	$ 10,493	$ (17,478)
Unfunded Loan Commitments
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance, Allowance	42,194	21,015	33,185	32,854
Provision for unfunded commitments	1,779	1,299	10,788	(10,540)
Ending balance, Allowance	$ 43,973	$ 22,314	$ 43,973	$ 22,314

COMMITMENTS AND CONTINGENCIES_3

COMMITMENTS AND CONTINGENCIES - Narrative (Details) $ in Millions	Jun. 30, 2022 USD ($)
Federal Home Loan Bank | Letter of Credit
Loss Contingencies [Line Items]
Letter of credit	$ 400

SEGMENT REPORTING - Narrative (

SEGMENT REPORTING - Narrative (Details)	6 Months Ended
	Jun. 30, 2022 segment
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		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Segment Reporting Information [Line Items]
Interest income	$ 202,568	$ 173,751	$ 385,942	$ 351,701
Interest expense	11,204	11,899	22,034	24,872
Net interest income	191,364	161,852	363,908	326,829
Provision for credit losses	14,924	142	21,155	(28,449)
Noninterest income	83,841	89,240	170,752	207,213
Noninterest expense
Salaries and employee benefits	81,545	85,505	165,826	181,490
Occupancy and equipment	12,746	10,812	25,473	22,593
Data processing and communications expenses	12,155	11,877	24,727	23,761
Other expenses	35,750	27,567	69,990	56,715
Total noninterest expense	142,196	135,761	286,016	284,559
Income before income tax expense	118,085	115,189	227,489	277,932
Income tax expense	28,019	26,862	55,725	64,643
Net income	90,066	88,327	171,764	213,289
Total assets	23,687,470	21,886,931	23,687,470	21,886,931	$ 23,858,321
Goodwill	1,023,056	928,005	1,023,056	928,005	1,012,620
Other intangible assets, net	115,613	63,783	115,613	63,783	$ 125,938
Banking Division
Segment Reporting Information [Line Items]
Interest income	141,844	109,260	271,134	221,639
Interest expense	(10,278)	(1,410)	(14,733)	(1,847)
Net interest income	152,122	110,670	285,867	223,486
Provision for credit losses	10,175	(3,949)	15,401	(27,853)
Noninterest income	23,469	16,171	44,833	32,909
Noninterest expense
Salaries and employee benefits	46,733	37,814	95,928	80,537
Occupancy and equipment	11,168	9,050	22,242	19,170
Data processing and communications expenses	10,863	10,280	22,093	20,481
Other expenses	21,123	18,763	41,168	38,473
Total noninterest expense	89,887	75,907	181,431	158,661
Income before income tax expense	75,529	54,883	133,868	125,587
Income tax expense	19,120	14,196	36,116	32,652
Net income	56,409	40,687	97,752	92,935
Total assets	17,009,855	15,561,628	17,009,855	15,561,628
Goodwill	958,558	863,507	958,558	863,507
Other intangible assets, net	105,198	50,418	105,198	50,418
Retail Mortgage Division
Segment Reporting Information [Line Items]
Interest income	38,055	34,085	70,887	64,284
Interest expense	17,276	11,552	30,813	22,767
Net interest income	20,779	22,533	40,074	41,517
Provision for credit losses	4,499	5,647	6,086	1,094
Noninterest income	57,795	69,055	119,444	166,695
Noninterest expense
Salaries and employee benefits	31,219	44,798	62,833	94,636
Occupancy and equipment	1,406	1,553	2,877	3,029
Data processing and communications expenses	1,123	1,435	2,295	2,981
Other expenses	12,812	7,638	25,457	15,827
Total noninterest expense	46,560	55,424	93,462	116,473
Income before income tax expense	27,515	30,517	59,970	90,645
Income tax expense	5,779	6,408	12,594	19,035
Net income	21,736	24,109	47,376	71,610
Total assets	4,418,211	3,917,275	4,418,211	3,917,275
Goodwill	0	0	0	0
Other intangible assets, net	0	0	0	0
Warehouse Lending Division
Segment Reporting Information [Line Items]
Interest income	8,476	8,988	15,289	19,315
Interest expense	1,776	268	2,142	689
Net interest income	6,700	8,720	13,147	18,626
Provision for credit losses	867	(155)	645	(300)
Noninterest income	1,041	1,333	2,442	2,313
Noninterest expense
Salaries and employee benefits	208	278	491	608
Occupancy and equipment	1	1	2	2
Data processing and communications expenses	48	68	95	117
Other expenses	212	30	430	63
Total noninterest expense	469	377	1,018	790
Income before income tax expense	6,405	9,831	13,926	20,449
Income tax expense	1,346	2,064	2,925	4,294
Net income	5,059	7,767	11,001	16,155
Total assets	923,829	779,234	923,829	779,234
Goodwill	0	0	0	0
Other intangible assets, net	0	0	0	0
SBA Division
Segment Reporting Information [Line Items]
Interest income	4,757	14,050	11,537	32,084
Interest expense	959	1,168	1,728	2,567
Net interest income	3,798	12,882	9,809	29,517
Provision for credit losses	(523)	(607)	(666)	(1,154)
Noninterest income	1,526	2,677	4,017	5,288
Noninterest expense
Salaries and employee benefits	1,316	937	2,587	2,319
Occupancy and equipment	81	132	180	238
Data processing and communications expenses	29	0	57	1
Other expenses	539	284	919	579
Total noninterest expense	1,965	1,353	3,743	3,137
Income before income tax expense	3,882	14,813	10,749	32,822
Income tax expense	815	3,111	2,257	6,893
Net income	3,067	11,702	8,492	25,929
Total assets	264,227	748,234	264,227	748,234
Goodwill	0	0	0	0
Other intangible assets, net	0	0	0	0
Premium  Finance  Division
Segment Reporting Information [Line Items]
Interest income	9,436	7,368	17,095	14,379
Interest expense	1,471	321	2,084	696
Net interest income	7,965	7,047	15,011	13,683
Provision for credit losses	(94)	(794)	(311)	(236)
Noninterest income	10	4	16	8
Noninterest expense
Salaries and employee benefits	2,069	1,678	3,987	3,390
Occupancy and equipment	90	76	172	154
Data processing and communications expenses	92	94	187	181
Other expenses	1,064	852	2,016	1,773
Total noninterest expense	3,315	2,700	6,362	5,498
Income before income tax expense	4,754	5,145	8,976	8,429
Income tax expense	959	1,083	1,833	1,769
Net income	3,795	4,062	7,143	6,660
Total assets	1,071,348	880,560	1,071,348	880,560
Goodwill	64,498	64,498	64,498	64,498
Other intangible assets, net	$ 10,415	$ 13,365	$ 10,415	$ 13,365

LOAN SERVICING RIGHTS - Schedul

LOAN SERVICING RIGHTS - Schedule of Carrying Value of Loan Servicing Rights Assets (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	$ 262,066		$ 212,500
Residential mortgage
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	257,112	$ 232,236	206,944	$ 191,675	$ 154,746	$ 130,630
SBA
Servicing Assets at Fair Value [Line Items]
Loan servicing rights	$ 4,954	$ 5,384	$ 5,556	$ 6,123	$ 6,445	$ 5,839

LOAN SERVICING RIGHTS - Narrati

LOAN SERVICING RIGHTS - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Residential Mortgage Loans
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing fee income	$ 18,700	$ 11,300	$ 35,800	$ 21,500
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	1,000	1,900	2,000
Indirect automobile
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items]
Servicing fee income	$ 65	$ 170	$ 148	$ 376

LOAN SERVICING RIGHTS - Sched_2

LOAN SERVICING RIGHTS - Schedule of Activity of Servicing Rights (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance			$ 212,500
Ending balance	$ 262,066		262,066
Residential mortgage servicing rights
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	232,236	$ 154,746	206,944	$ 130,630
Additions	21,551	43,377	43,252	65,244
Amortization	(7,514)	(7,197)	(13,576)	(14,681)
Recoveries	10,839	749	20,492	10,482
Ending balance	257,112	191,675	257,112	191,675
Residential mortgage servicing valuation allowance
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	16,129	29,674	25,782	39,407
Recoveries	(10,839)	(749)	(20,492)	(10,482)
Ending balance	5,290	28,925	5,290	28,925
SBA servicing rights
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	5,384	6,445	5,556	5,839
Additions	236	241	774	471
Amortization	(666)	(563)	(1,376)	(1,092)
Recoveries	0	0	0	905
Ending balance	4,954	6,123	4,954	6,123
SBA servicing valuation allowance
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	0	0	0	905
Recoveries	0	0	0	(905)
Ending balance	0	0	0	0
Indirect automobile
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	0	29	0	73
Amortization	0	(29)	0	(73)
Ending balance	$ 0	$ 0	$ 0	$ 0

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	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
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	$ 18,304,805	$ 16,786,442
Loans serviced for others, percentage	100%	100%
Weighted average term/life	342 months	341 months
Weighted average age (months)	22 months	20 months
Modeled prepayment speed	8.11%	12.96%
Decline in fair value due to a 10% adverse change	$ (9,451)	$ (8,368)
Decline in fair value due to a 20% adverse change	$ (17,679)	$ (16,157)
Weighted average discount rate	9.77%	8.77%
Decline in fair value due to a 10% adverse change	$ (11,577)	$ (6,984)
Decline in fair value due to a 20% adverse change	$ (21,616)	$ (13,504)
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	21.78%	21.88%
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	60.49%	60.26%
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	17.73%	17.86%
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	$ 387,101	$ 410,167
Weighted average term/life	3 years 7 months 20 days	3 years 7 months 24 days
Modeled prepayment speed	17.81%	17.68%
Decline in fair value due to a 10% adverse change	$ (218)	$ (291)
Decline in fair value due to a 20% adverse change	$ (419)	$ (557)
Weighted average discount rate	16.55%	11.92%
Decline in fair value due to a 10% adverse change	$ (108)	$ (144)
Decline in fair value due to a 20% adverse change	$ (212)	$ (282)