SouthState (SSB) 10-Q4 Aug 232023 Q2 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
Document and Entity Information - shares	Jun. 30, 2023	Aug. 02, 2023
Document and Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Jun. 30, 2023
Entity File Number	001-12669
Entity Registrant Name	SOUTHSTATE CORP
Entity Incorporation, State or Country Code	SC
Entity Tax Identification Number	57-0799315
Entity Address, Address Line One	1101 First Street South, Suite 202
Entity Address, City or Town	Winter Haven
Entity Address, State or Province	FL
Entity Address, Postal Zip Code	33880
City Area Code	863
Local Phone Number	293-4710
Title of 12(b) Security	Common Stock
Trading Symbol	SSB
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		76,006,490
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q2
Entity Central Index Key	0000764038
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Cash and cash equivalents:
Cash and due from banks	$ 552,900	$ 548,387
Federal funds sold and interest-earning deposits with banks	694,581	580,491
Deposits in other financial institutions (restricted cash)	266,268	183,685
Total cash and cash equivalents	1,513,749	1,312,563
Trading securities, at fair value	56,580	31,263
Investment securities:
Securities held to maturity (fair value of $2,144,514 and $2,250,168)	2,585,155	2,683,241
Securities available for sale, at fair value	4,949,334	5,326,822
Other investments	196,728	179,717
Total investment securities	7,731,217	8,189,780
Loans held for sale	42,951	28,968
Loans:
Total loans	31,536,785	30,177,862
Less allowance for credit losses	(427,392)	(356,444)
Loans, net	31,109,393	29,821,418
Other real estate owned	1,080	1,023
Bank property held for sale	13,472	17,754
Premises and equipment, net	518,353	520,635
Bank owned life insurance ("BOLI")	979,494	964,708
Deferred tax assets	164,426	177,801
Derivatives assets	174,480	211,016
Mortgage servicing rights	87,539	86,610
Core deposit and other intangibles	102,256	116,450
Goodwill	1,923,106	1,923,106
Other assets	522,236	515,601
Total assets	44,940,332	43,918,696
Deposits:
Noninterest-bearing	11,489,483	13,168,656
Interest-bearing	25,252,395	23,181,967
Total deposits	36,741,878	36,350,623
Federal funds purchased	246,910	213,597
Securities sold under agreements to repurchase	334,536	342,820
Corporate and subordinated debentures	392,090	392,275
Other borrowings	400,000
Reserve for unfunded commitments	63,399	67,215
Derivative liabilities	975,717	1,034,143
Other liabilities	495,792	443,096
Total liabilities	39,650,322	38,843,769
Shareholders' equity:
Common stock - $2.50 par value; authorized 160,000,000 shares; 75,995,979 and 75,704,563 shares issued and outstanding, respectively	189,990	189,261
Surplus	4,228,910	4,215,712
Retained earnings	1,533,508	1,347,042
Accumulated other comprehensive loss	(662,398)	(677,088)
Total shareholders' equity	5,290,010	5,074,927
Total liabilities and shareholders' equity	44,940,332	43,918,696
Acquired - non-purchased credit deteriorated loans
Loans:
Total loans	5,275,913	5,943,092
Acquired - purchased credit deteriorated loans
Loans:
Total loans	1,269,983	1,429,731
Non-acquired loans
Loans:
Total loans	$ 24,990,889	$ 22,805,039

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Investment securities:
Securities held to maturity, fair value (in dollars)	$ 2,144,514	$ 2,250,168
Shareholders' equity:
Common stock, par value (in dollars per share)	$ 2.50	$ 2.50
Common stock, shares authorized	160,000,000	160,000,000
Common stock, shares issued	75,995,979	75,704,563
Common stock, shares outstanding	75,995,979	75,704,563

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Interest income:
Loans, including fees	$ 419,355,000	$ 272,000,000	$ 812,720,000	$ 505,617,000
Investment securities:
Taxable	41,254,000	38,948,000	82,819,000	69,068,000
Tax-exempt	5,586,000	6,076,000	12,144,000	9,951,000
Federal funds sold, securities purchased under agreements to resell and interest-bearing deposits with banks	11,858,000	9,309,000	20,779,000	12,168,000
Total interest income	478,053,000	326,333,000	928,462,000	596,804,000
Interest expense:
Deposits	100,787,000	4,914,000	156,729,000	9,506,000
Federal funds purchased and securities sold under agreements to repurchase	3,535,000	781,000	6,388,000	1,050,000
Corporate and subordinated debentures	5,823,000	4,823,000	11,558,000	8,916,000
Other borrowings	6,165,000		10,781,000
Total interest expense	116,310,000	10,518,000	185,456,000	19,472,000
Net interest income	361,743,000	315,815,000	743,006,000	577,332,000
Provision for credit losses	38,389,000	19,286,000	71,480,000	10,837,000
Net interest income after provision for credit losses	323,354,000	296,529,000	671,526,000	566,495,000
Noninterest income:
Securities gains, net		0	45,000	0
Other income	7,864,000	8,172,000	17,730,000	14,766,000
Total noninterest income	77,214,000	86,756,000	148,569,000	172,803,000
Noninterest expense:
Salaries and employee benefits	147,342,000	137,037,000	291,402,000	274,710,000
Occupancy expense	22,196,000	22,759,000	43,729,000	44,599,000
Information services expense	21,119,000	19,947,000	41,044,000	39,140,000
OREO and loan related expense (recovery)	(14,000)	(3,000)	155,000	(241,000)
Amortization of intangibles	7,028,000	8,847,000	14,327,000	17,341,000
Supplies, printing and postage expense	2,554,000	2,400,000	5,194,000	4,589,000
Professional fees	4,364,000	4,331,000	8,066,000	8,080,000
FDIC assessment and other regulatory charges	9,819,000	5,332,000	16,113,000	10,144,000
Advertising and marketing	1,521,000	2,286,000	3,639,000	4,049,000
Merger, branch consolidation and severance related expense	1,808,000	5,390,000	11,220,000	15,666,000
Other expense	24,889,000	22,843,000	48,242,000	41,692,000
Total noninterest expense	242,626,000	231,169,000	483,131,000	459,769,000
Earnings:
Income before provision for income taxes	157,942,000	152,116,000	336,964,000	279,529,000
Provision for income taxes	34,495,000	32,941,000	73,591,000	60,025,000
Net income	$ 123,447,000	$ 119,175,000	$ 263,373,000	$ 219,504,000
Earnings per common share:
Basic (in dollars per share)	$ 1.62	$ 1.58	$ 3.47	$ 2.99
Diluted (in dollars per share)	$ 1.62	$ 1.57	$ 3.45	$ 2.96
Weighted average common shares outstanding:
Basic (in shares)	76,058	75,461	75,981	73,465
Diluted (in shares)	76,418	76,094	76,394	74,104
Fees on deposit accounts
Noninterest income:
Noninterest income	$ 33,101,000	$ 32,862,000	$ 62,960,000	$ 60,871,000
Mortgage banking income
Noninterest income:
Noninterest income	4,354,000	5,480,000	8,686,000	16,074,000
Trust and investment services income
Noninterest income:
Noninterest income	9,823,000	9,831,000	19,760,000	19,549,000
Correspondent banking and capital market income
Noninterest income:
Noninterest income	19,187,000	26,068,000	32,781,000	54,019,000
SBA income
Noninterest income:
Noninterest income	$ 2,885,000	$ 4,343,000	$ 6,607,000	$ 7,524,000

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Consolidated Statements of Comprehensive Income (Loss)
Net income	$ 123,447	$ 119,175	$ 263,373	$ 219,504
Unrealized holding (losses) gains on available for sale securities:
Unrealized holding (losses) gains arising during period	(64,741)	(261,178)	8,120	(623,298)
Tax effect	16,127	64,250	6,603	153,560
Reclassification adjustment for gains included in net income			(45)
Tax effect			12
Net of tax amount	(48,614)	(196,928)	14,690	(469,738)
Other comprehensive (loss) income, net of tax	(48,614)	(196,928)	14,690	(469,738)
Comprehensive income (loss)	$ 74,833	$ (77,753)	$ 278,063	$ (250,234)

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Common Stock	Surplus	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Total
Balance at Dec. 31, 2021	$ 173,331	$ 3,653,098	$ 997,657	$ (21,146)	$ 4,802,940
Balance (in shares) at Dec. 31, 2021	69,332,297
Increase (Decrease) in Stockholders' Equity
Net Income (Loss)			219,504		219,504
Other comprehensive income (loss), net of tax effects				(469,738)	(469,738)
Total comprehensive income (loss)					(250,234)
Cash dividends declared on common stock per share			(70,805)		(70,805)
Cash dividends equivalents paid on restricted stock units			(126)		(126)
Employee stock purchases	$ 23	681			704
Employee stock purchases (in shares)	9,078
Stock options exercised	$ 45	692			737
Stock options exercised (in shares)	18,256
Restricted stock awards (forfeits)	$ (3)	3
Restricted stock awards (forfeits) (in shares)	(1,266)
Stock issued pursuant to restricted stock units	$ 912	(911)			1
Stock issued pursuant to restricted stock units (in shares)	364,809
Common stock repurchased - buyback plan	$ (3,280)	(106,924)			(110,204)
Common stock repurchased - buyback plan (in shares)	(1,312,038)
Common stock repurchased	$ (252)	(7,927)			(8,179)
Common stock repurchased (in shares)	(100,617)
Share-based compensation expense		17,799			17,799
Common stock issued for acquisition	$ 18,327	641,445			659,772
Common stock issued for acquisition (in shares)	7,330,803
Net fair value of unvested equity awards assumed in the Atlantic Capital acquisition		(1,980)			(1,980)
Balance at Jun. 30, 2022	$ 189,103	4,195,976	1,146,230	(490,884)	5,040,425
Balance (in shares) at Jun. 30, 2022	75,641,322
Balance at Dec. 31, 2021	$ 173,331	3,653,098	997,657	(21,146)	4,802,940
Balance (in shares) at Dec. 31, 2021	69,332,297
Balance at Dec. 31, 2022	$ 189,261	4,215,712	1,347,042	(677,088)	$ 5,074,927
Balance (in shares) at Dec. 31, 2022	75,704,563				75,704,563
Balance at Mar. 31, 2022	$ 189,403	4,214,897	1,064,064	(293,956)	$ 5,174,408
Balance (in shares) at Mar. 31, 2022	75,761,018
Increase (Decrease) in Stockholders' Equity
Net Income (Loss)			119,175		119,175
Other comprehensive income (loss), net of tax effects				(196,928)	(196,928)
Total comprehensive income (loss)					(77,753)
Cash dividends declared on common stock per share			(36,983)		(36,983)
Cash dividends equivalents paid on restricted stock units			(26)		(26)
Employee stock purchases	$ 23	681			704
Employee stock purchases (in shares)	9,078
Stock options exercised	$ 21	308			329
Stock options exercised (in shares)	8,553
Restricted stock awards (forfeits)	$ (3)	3
Restricted stock awards (forfeits) (in shares)	(1,266)
Stock issued pursuant to restricted stock units	$ 591	(590)			1
Stock issued pursuant to restricted stock units (in shares)	236,507
Common stock repurchased - buyback plan	$ (750)	(22,996)			(23,746)
Common stock repurchased - buyback plan (in shares)	(300,000)
Common stock repurchased	$ (182)	(5,640)			(5,822)
Common stock repurchased (in shares)	(72,568)
Share-based compensation expense		9,313			9,313
Balance at Jun. 30, 2022	$ 189,103	4,195,976	1,146,230	(490,884)	5,040,425
Balance (in shares) at Jun. 30, 2022	75,641,322
Balance at Dec. 31, 2022	$ 189,261	4,215,712	1,347,042	(677,088)	$ 5,074,927
Balance (in shares) at Dec. 31, 2022	75,704,563				75,704,563
Increase (Decrease) in Stockholders' Equity
Net Income (Loss)			263,373		$ 263,373
Other comprehensive income (loss), net of tax effects				14,690	14,690
Total comprehensive income (loss)					278,063
Cash dividends declared on common stock per share			(75,874)		(75,874)
Cash dividends equivalents paid on restricted stock units			(1,033)		(1,033)
Employee stock purchases	$ 24	623			647
Employee stock purchases (in shares)	9,562
Stock options exercised	$ 59	1,114			1,173
Stock options exercised (in shares)	23,516
Restricted stock awards (forfeits)	$ (6)	6
Restricted stock awards (forfeits) (in shares)	(2,353)
Stock issued pursuant to restricted stock units	$ 897	(897)
Stock issued pursuant to restricted stock units (in shares)	358,784
Common stock repurchased	$ (245)	(6,777)			(7,022)
Common stock repurchased (in shares)	(98,093)
Share-based compensation expense		19,129			19,129
Balance at Jun. 30, 2023	$ 189,990	4,228,910	1,533,508	(662,398)	$ 5,290,010
Balance (in shares) at Jun. 30, 2023	75,995,979				75,995,979
Balance at Mar. 31, 2023	$ 189,649	4,224,503	1,448,636	(613,784)	$ 5,249,004
Balance (in shares) at Mar. 31, 2023	75,859,665
Increase (Decrease) in Stockholders' Equity
Net Income (Loss)			123,447		123,447
Other comprehensive income (loss), net of tax effects				(48,614)	(48,614)
Total comprehensive income (loss)					74,833
Cash dividends declared on common stock per share			(37,962)		(37,962)
Cash dividends equivalents paid on restricted stock units			(613)		(613)
Employee stock purchases	$ 24	623			647
Employee stock purchases (in shares)	9,562
Restricted stock awards (forfeits)	$ (1)	1
Restricted stock awards (forfeits) (in shares)	(120)
Stock issued pursuant to restricted stock units	$ 453	(453)
Stock issued pursuant to restricted stock units (in shares)	181,076
Common stock repurchased	$ (135)	(3,471)			(3,606)
Common stock repurchased (in shares)	(54,204)
Share-based compensation expense		7,707			7,707
Balance at Jun. 30, 2023	$ 189,990	$ 4,228,910	$ 1,533,508	$ (662,398)	$ 5,290,010
Balance (in shares) at Jun. 30, 2023	75,995,979				75,995,979

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Consolidated Statements of Changes in Shareholders' Equity
Common stock cash dividends declared, per share (in dollars per share)	$ 0.50	$ 0.49	$ 1	$ 0.98

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
Cash flows from operating activities:
Net income	$ 263,373	$ 219,504
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	29,864	32,954
Provision for credit losses	71,480	10,837
Deferred income taxes	19,990	91,013
Gains on sale of securities, net	(45)
Share-based compensation expense	19,129	17,799
Accretion of discount related to acquired loans	(12,878)	(19,511)
(Gains) losses on disposal of premises and equipment	(89)	778
Gains on sale of bank properties held for sale and repossessed real estate	(1,430)	(871)
Net amortization of premiums on investment securities	10,197	14,884
Bank properties held for sale and repossessed real estate write downs	1,231	176
Fair value adjustment for loans held for sale	(66)	5,456
Originations and purchases of loans held for sale	(422,596)	(1,038,147)
Proceeds from sales of loans held for sale	411,489	1,146,583
(Gains) losses on sales of loans held for sale	(2,810)	3,951
Increase in cash surrender value of BOLI	(12,135)	(11,106)
Net change in:
Accrued interest receivable	(2,636)	(8,230)
Prepaid assets	(829)	2,019
Operating leases	196	195
Bank owned life insurance	(976)	(423)
Trading securities	(25,317)	(10,399)
Derivative assets	36,536	291,514
Miscellaneous other assets	4,258	(37,918)
Accrued interest payable	25,573	583
Accrued income taxes	(9,601)	(56,183)
Derivative liabilities	(58,426)	374,241
Miscellaneous other liabilities	28,174	(63,243)
Net cash provided by operating activities	371,656	966,456
Cash flows from investing activities:
Proceeds from sales of investment securities available for sale	125,298	415,503
Proceeds from maturities and calls of investment securities held to maturity	95,566	109,776
Proceeds from maturities and calls of investment securities available for sale	255,808	326,323
Proceeds from sales and redemptions of other investment securities	146,625	13,216
Purchases of investment securities available for sale	(3,174)	(1,157,493)
Purchases of investment securities held to maturity		(1,099,691)
Purchases of other investment securities	(163,636)	(20,446)
Net increase in loans	(1,361,435)	(1,616,946)
Net cash received from acquisitions		250,115
Recoveries of loans previously charged off	7,858	6,980
Purchase of bank owned life insurance	(5,966)	(85,966)
Purchases of premises and equipment	(15,034)	(9,102)
Proceeds from redemption and payout of bank owned life insurance policies	4,292	1,188
Proceeds from sale of bank properties held for sale and repossessed real estate	7,610	8,297
Proceeds from sale of premises and equipment	675	511
Net cash used in investing activities	(905,513)	(2,857,735)
Cash flows from financing activities:
Net increase in deposits	392,123	302,826
Net increase (decrease) in federal funds purchased and securities sold under agreements to repurchase and other short-term borrowings	25,029	(111,240)
Proceeds from FHLB borrowings	4,850,000
Repayment of FHLB borrowings	(4,450,000)	(13,000)
Common stock issuance	647	705
Common stock repurchases	(7,022)	(118,383)
Dividends paid	(76,907)	(70,931)
Stock options exercised	1,173	737
Net cash provided by (used in) financing activities	735,043	(9,286)
Net increase (decrease) in cash and cash equivalents	201,186	(1,900,565)
Cash and cash equivalents at beginning of period	1,312,563	6,721,571
Cash and cash equivalents at end of period	1,513,749	4,821,006
Cash paid for:
Interest	159,883	19,788
Income taxes	62,170	28,332
Recognition of operating lease assets in exchange for lease liabilities		12,616
Acquisitions:
Fair value of tangible assets acquired		3,501,273
Other intangible assets acquired		20,791
Liabilities assumed		3,205,694
Net identifiable assets acquired over liabilities assumed		341,440
Common stock issued in acquisition		659,772
Real estate acquired in full or in partial settlement of loans	$ 3,186	$ 1,151

Basis of Presentation

Basis of Presentation	6 Months Ended
Basis of Presentation	Jun. 30, 2023
Basis of Presentation
Basis of Presentation	Note 1 — Basis of Presentation The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America, otherwise referred to as GAAP, for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and disclosures required for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Certain prior period information has been reclassified to conform to the current period presentation, and these reclassifications had no impact on net income or equity as previously reported. Operating results for the three and six months ended June 30, 2023 are not necessarily indicative of the results that may be expected for the year ending December 31, 2023. The consolidated balance sheet at December 31, 2022 has been derived from the audited financial statements at that date but does not include all of the information and disclosures required by GAAP for complete financial statements.

Summary of Significant Accounti

Summary of Significant Accounting Policies	6 Months Ended
Summary of Significant Accounting Policies	Jun. 30, 2023
Summary of Significant Accounting Policies
Summary of Significant Accounting Policies	Note 2 — Summary of Significant Accounting Policies The information contained in the consolidated financial statements and accompanying notes included in our Annual Report on Form 10-K for the year ended December 31, 2022, as filed with the Securities and Exchange Commission (the “SEC”) on February 24, 2023, should be referenced when reading these unaudited consolidated financial statements. Unless otherwise mentioned or unless the context requires otherwise, references herein to “SouthState,” the “Company” “we,” “us,” “our” or similar references mean SouthState Corporation and its consolidated subsidiaries. References to the “Bank” or “SouthState Bank” means SouthState Corporation’s wholly owned subsidiary, South State Bank, National Association, a national banking association. Loans Loans that management has originated and has the intent and ability to hold for the foreseeable future or until maturity or pay off generally are reported at their unpaid principal balances, less unearned income and net of any deferred loan fees and costs, including unamortized fair value discount or premium. Unearned income on installment loans is recognized as income over the terms of the loans by methods that generally approximate the interest method. Interest on other loans is calculated by using the simple interest method on daily balances of the principal amount outstanding. If the loan is prepaid, the remaining unamortized fees and costs are charged or credited to interest income. Amortization ceases for non-accrual loans. We place non-acquired loans and acquired loans on nonaccrual once reasonable doubt exists about the collectability of all principal and interest due. Generally, this occurs when principal or interest is 90 days or more past due, unless the loan is well secured and in the process of collection, and excludes factored receivables. For factored receivables, which are commercial trade credits rather than promissory notes, the Company’s practice, in most cases, is to charge-off unpaid recourse receivables when they become 90 days past due from the invoice due date and the non-recourse receivables when they become 120 days past due from the statement due date. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on non-accrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. million. Large pools of homogeneous loans are collectively evaluated for loss and reserved at the pool level. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as nonaccrual, provided that management expects to collect all amounts due, including interest accrued at the contractual interest rate for the period of delay. Allowance for Credit Losses (“ACL”) – Investment Securities Management monitors the held to maturity portfolio to determine whether a valuation account should be recorded. Management evaluates impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value at least quarterly, and more frequently when economic or market concerns warrant such evaluation. The Company’s methodology on how ACL is calculated is disclosed in Note 1 — Summary of Significant Accounting Policies, under the “ACL – Investment Securities” section, of our Annual Report on Form 10-K for the year ended December 31, 2022. As of June 30, 2023 and December 31, 2022, the Company had The Company follows its nonaccrual policy by reversing interest income in the income statement when the Company determines the interest for held to maturity securities is uncollectible. Therefore, management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the investment securities and does not record an allowance for credit losses on accrued interest receivable. As of June 30, 2023 and December 31, 2022, the accrued interest receivables for all investment securities recorded in Other Assets were ACL – Loans and Certain Off-Balance-Sheet Credit Exposures The ACL for loans held for investment reflects management’s estimate of credit losses that will result from the inability of our borrowers to make required loan payments. The Company makes adjustments to the ACL by recording a provision for or recovery of credit losses through earnings. Loans charged off are recorded as reductions to the ACL on the balance sheet and subsequent recoveries of loan charge-offs are recorded as increases to the ACL when they are received. Management uses systematic methodologies to determine its ACL for loans held for investment and certain off-balance-sheet credit exposures. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the loan portfolio. Management considers the effects of past events, current conditions, and reasonable and supportable forecasts on the collectability of the loan portfolio. The Company’s estimate of its ACL involves a high degree of judgment; therefore, management’s process for determining expected credit losses may result in a range of expected credit losses. The Company’s ACL recorded in the balance sheet reflects management’s best estimate within the range of expected credit losses. The Company recognizes in net income the amount needed to adjust the ACL for management’s current estimate of expected credit losses. The Company’s ACL is calculated using collectively evaluated and individually evaluated loans. The Company’s methodology on how ACL is calculated is disclosed in Note 1 — Summary of Significant Accounting Policies, under the “ACL – Loans” section, of our Annual Report on Form 10-K for the year ended December 31, 2022. Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures , prospectively that requires the eliminates designation of loans as TDRs. Management measures expected credit losses over the contractual term of a loan. When determining the contractual term, the Company considers expected prepayments but is precluded from considering expected extensions, renewals, or modifications. Longstanding TDR accounting rules were replaced as of January 1, 2023 with ASU No. 2022-02, Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures (See Note 3 Recent Accounting and Regulatory Pronouncements). In accordance with the adoption of ASU 2022-02, any loans modified to a borrower experiencing financial difficulty are reviewed by the Bank to determine if an interest rate reduction, a term extension, an other-than-insignificant payment delay, a principal forgiveness, or any combination of these has occurred. Effective January 1, 2023, the ACL includes expected losses from modifications of receivables to borrowers experiencing financial difficulty. Losses on modifications of loans over million to borrowers experiencing financial difficulty are estimated on an individual basis. Because the effect of the remainder of modifications made to borrowers experiencing financial difficulty is already incorporated into the measurement methodologies used to estimate the allowance, they are accounted for as pooled loans. The effects of reasonably expected TDRs are no longer considered in the measurement of expected credit losses. Prior to the adoption of ASU No. 2022-02, when determining the contractual term, the Company considered expected prepayments but was precluded from considering expected extensions, renewals, or modifications, unless the Company reasonably expected it would execute a TDR with a borrower. In the event of a reasonably expected TDR, the Company factored the reasonably-expected TDR into the expected credit losses estimate. For consumer loans, the point at which a TDR was reasonably expected was when the Company approved the borrower’s application for a modification (i.e., the borrower qualifies for the TDR) or when the Credit Administration department approved loan concessions on substandard loans. For commercial loans, the point at which a TDR was reasonably expected was when the Company approved the loan for modification or when the Credit Administration department approved loan concessions on substandard loans. The Company used a discounted cash flow methodology for a TDR to calculate the effect of the concession provided to the borrower within the ACL. For purchased credit-deteriorated, otherwise referred to herein as PCD, assets are defined as acquired individual financial assets (or acquired groups of financial assets with similar risk characteristics) that, as of the date of acquisition, have experienced a more-than-insignificant deterioration in credit quality since origination, as determined by the Company’s assessment. The Company records acquired PCD loans by adding the expected credit losses (i.e., allowance for credit losses) to the purchase price of the financial assets rather than recording through the provision for credit losses in the income statement. The expected credit loss, as of the acquisition day, of a PCD loan is added to the allowance for credit losses. The non-credit discount or premium is the difference between the unpaid principal balance and the amortized cost basis as of the acquisition date. Subsequent to the acquisition date, the change in the ACL on PCD loans is recognized through the Provision for Credit Losses in the Consolidated Statements of Net Income. The non-credit discount or premium is accreted or amortized, respectively, into interest income over the remaining life of the PCD loan on a level-yield basis. The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Therefore, management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the portfolio and does not record an allowance for credit losses on accrued interest receivable. As of June 30, 2023 and December 31, 2022, the accrued interest receivables for loans recorded in The Company has a variety of assets that have a component that qualifies as an off-balance sheet exposure. These primarily include undrawn portions of revolving lines of credit and standby letters of credit. The expected losses associated with these exposures within the unfunded portion of the expected credit loss are recorded as a liability on the balance sheet. Management has determined that a majority of the Company’s off-balance sheet credit exposures are not unconditionally cancellable. Management completes funding studies based on historical data to estimate the percentage of unfunded loan commitments that will ultimately be funded to calculate the reserve for unfunded commitments. Management applies this funding rate, along with the loss factor rate determined for each pooled loan segment, to unfunded loan commitments, excluding unconditionally cancellable exposures and letters of credit, to arrive at the reserve for unfunded loan commitments. As of June 30, 2023 and December 31, 2022, the liabilities recorded for expected credit losses on unfunded commitments were million, respectively. Reclassification and Correction Certain amounts previously reported have been reclassified to conform to the current quarter’s presentation. Such reclassifications had no effect on net income and shareholders’ equity. During 2022, the Company determined the variation margin payments for its interest rate swaps centrally cleared through London Clearing House (“LCH”) and Chicago Mercantile Exchange (“CME”) meet the legal characteristics of daily settlements of the derivatives (settle-to-market) rather than collateral (collateralize-to-market). As a result, the variation margin payment and the related derivative instruments centrally cleared through LCH and CME are considered a single unit of account for accounting and financial reporting purposes. Depending on the net position, the fair value is reported in Derivative Assets or Derivative Liabilities on the Consolidated Balance Sheets, as opposed to interest-earning deposits (restricted cash) within Cash and Cash Equivalents or interest-bearing deposits within Total Deposits. In addition, the expense or income attributable to the variation margin payments for the centrally cleared swaps is reported in Noninterest Income, specifically within Correspondent and Capital Markets Income, as opposed to Interest Income or Interest Expense. The daily settlement of the derivative exposure does not change or reset the contractual terms of the instrument. As a result of the correction from collateralize-to-market accounting treatment previously applied by the Company to settle-to-market accounting treatment, the prior periods presented herein have been corrected, for what management has concluded to be an immaterial correction. The table below discloses the net change (increase or (decrease)) included in all the Consolidated Statements of Net Income line items in this Form 10-Q, as a result of the change in accounting treatment. There was no impact to Net Income or Shareholders’ Equity as previously reported. (Dollars in thousands) Three Months Ended Six Months Ended INCOME STATEMENT June 30, 2022 June 30, 2022 Interest income: Effect to interest income on federal funds sold and interest-earning deposits with banks $ 674 $ 681 Net effect to interest income 674 681 Effect to interest expense on deposits (862) (898) Net effect to interest expense (862) (898) Net effect to net interest income $ 1,536 $ 1,579 Noninterest Income: Effect to correspondent banking and capital market income $ (1,536) $ (1,579) Net effect to noninterest income $ (1,536) $ (1,579) Net effect to net income $ — $ —

Recent Accounting and Regulator

Recent Accounting and Regulatory Pronouncements	6 Months Ended
Recent Accounting and Regulatory Pronouncements	Jun. 30, 2023
Recent Accounting and Regulatory Pronouncements
Recent Accounting and Regulatory Pronouncements	Note 3 — Recent Accounting and Regulatory Pronouncements Accounting Standards Adopted In March 2022, FASB issued ASU No. 2022-02, Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures . The amendments in this ASU eliminate the long-standing accounting guidance for Troubled Debt Restructurings (“TDRs”) by creditors in Subtopic 310-40, Receivables – Troubled Debt Restructurings by Creditors , as it is no longer meaningful due to the introduction of Topic 326, which requires an entity to consider lifetime expected credit losses on loans when establishing an allowance for credit losses. Thus, most losses that would have been realized for a TDR under Subtopic 310-40 are now captured by the accounting required under Topic 326. The amendments in this ASU also require that an entity disclose current-period gross write offs by year of origination for financing receivables and net investments in leases within the scope of Subtopic 326-20, Financial Instruments – Credit Losses Measured at Amortized Cost . The Company adopted ASU No. 2022-02 effective January 1, 2023. We elected to apply a prospective transition method, which applies only to modifications occurring after the adoption date. For loans meeting the Bank’s materiality criteria, which includes loans in excess of $250,000, an assessment of whether a borrower is experiencing financial difficulty is made on the date of the modification. On the transition date, the former TDR loans as of December 31, 2022 were designated as individually evaluated loans on January 1, 2023 and retained the allowance for credit losses allocated to these loans at the adoption date as the credit risk of these did not change. Aside from the changes to the disclosures required by ASU No. 2022-02, the ASU did not have a material impact on our consolidated financial statements. In March 2020, FASB issued ASU No. 2020-04, Reference Rate Reform (Topic 848 – Facilitation of the Effects of Reference Rate Reform on Financial Reporting and subsequently expanded the scope of ASU No. 2020-04 with the issuance of ASU No. 2021-01 and extended the sunset date to December 31, 2024 with ASU No. 2022-06 . This update provides companies with optional guidance to ease the potential accounting burden associated with transitioning away from reference rates that will be discontinued. The amendments in this update provide optional expedients and exceptions for applying GAAP to contracts, hedging relationships, and other transactions affected by reference rate reform if certain criteria are met. The main provisions for contract modifications include optional relief by allowing the modification as a continuation of the existing contract without additional analysis and other optional expedients regarding embedded features. The amendments in this update were effective for all entities as of March 12, 2020 and may be applied through December 31, 2022. In January 2021, the FASB issued ASU 2021-01 which clarified that certain optional expedients and exceptions in Topic 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. ASU 2022-06 extended the effective date through December 31, 2024. The amendments are effective as of March 12, 2020 through December 31, 2024 and can be adopted at the instrument level on an ongoing basis. Management adopted these optional expedients beginning April 1, 2023 to coincide with the transition and modification of our LIBOR-exposed instruments. Most of the loan modifications met the requirements of these practical expedients, as most were subject to the Adjustable Interest Rate (LIBOR) Act which permits a replacement index with a spread adjustment. These modifications did not have a material impact on the consolidated financial statements. Issued But Not Yet Adopted Accounting Standards In March 2023, FASB issued ASU No. 2023-02, Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method . The Proportional Amortization method was introduced by ASU No. 2014-01, but limited this amortization method to investments in low-income housing tax credit structures. The amendments in ASU 2023-02 will allow entities the option to elect whether they account for tax equity investments using the proportional amortization method if certain conditions are met, regardless of the program from which the income tax credits are received. The election would be on a program-by-program basis. The ASU would also require disclosures to be transparent about an entity’s investments that generate income tax credits and other income tax benefits. The amendments are effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years with early adoption permitted. The Company maintains investments in low-income housing tax structures and will evaluate whether it will change its current accounting treatment for low-income housing tax credits. The Company does not anticipate this ASU will have a material impact on its financial statements.

Mergers and Acquisitions

Mergers and Acquisitions	6 Months Ended
Mergers and Acquisitions	Jun. 30, 2023
Mergers and Acquisitions
Mergers and Acquisitions	Note 4 — Mergers and Acquisitions Atlantic Capital Bancshares, Inc. (“Atlantic Capital” or “ACBI”) On March 1, 2022, the Company acquired all of the outstanding common stock of Atlantic Capital in a stock transaction. Upon the terms and subject to the conditions set forth therein, Atlantic Capital merged with and into the Company, with the Company continuing as the surviving corporation in the merger. Immediately following the merger, Atlantic Capital’s wholly owned banking subsidiary, Atlantic Capital Bank, N.A. (“ACB”) merged with and into the Bank, which continues as the surviving bank. Shareholders of Atlantic Capital received shares of the Company’s common stock for each share of Atlantic Capital common stock they owned. In total, the purchase price for Atlantic Capital was million. In the acquisition, the Company acquired $2.4 billion of loans, including PPP loans, at fair value, net of $54.3 million, or 2.24%, estimated discount to the outstanding principal balance, representing 10.0% of the Company’s total loans at December 31, 2021. Of the total loans acquired, management identified During the three and six months ended June 30, 2023, the Company incurred approximately $1.0 million and $2.4 million, respectively, of acquisition costs related to this transaction. During three and six months ended June 30, 2022, the Company incurred approximately million, respectively, of acquisition costs related to this transaction. These acquisition costs are reported in Merger and Branch Consolidation Related Expenses on the Company’s Consolidated Statements of Net Income. The acquisition was accounted for under the acquisition method of accounting in accordance with ASC Topic 805. The Company recognized goodwill on this acquisition of million. The goodwill was calculated based on the fair values of the assets acquired and liabilities assumed as of the acquisition date. Initial Subsequent As Recorded Fair Value Fair Value As Recorded by (Dollars in thousands) by Atlantic Capital Adjustments Adjustments the Company Assets Cash and cash equivalents $ 250,134 $ 24 (a) $ — $ 250,158 Investment securities 717,332 (13,622) (b) — 703,710 Loans, net of allowance and mark 2,394,256 (18,964) (c) (5,614) (c) 2,369,678 Premises and equipment 16,892 2,608 (d) — 19,500 Intangible assets 22,572 (1,781) (e) — 20,791 Bank owned life insurance 74,613 — — 74,613 Deferred tax asset 30,231 2,273 (f) (1,025) (f) 31,479 Other assets 45,274 (1,277) (g) 7,557 (g) 51,554 Total assets $ 3,551,304 $ (30,739) $ 918 $ 3,521,483 Liabilities Deposits: Noninterest-bearing $ 1,411,671 $ — $ — $ 1,411,671 Interest-bearing 1,616,970 — — 1,616,970 Total deposits 3,028,641 — — 3,028,641 Federal funds purchased and securities sold under agreements to repurchase 50,000 — — 50,000 Other borrowings 74,131 4,286 (h) — 78,417 Other liabilities 50,711 (2,075) (i) — 48,636 Total liabilities 3,203,483 2,211 — 3,205,694 Net identifiable assets acquired over (under) liabilities assumed 347,821 (32,950) 918 315,789 Goodwill — 342,939 (918) 342,021 Net assets acquired over liabilities assumed $ 347,821 $ 309,989 $ — $ 657,810 Consideration: SouthState Corporation common shares issued 7,330,803 Purchase price per share of the Company's common stock $ 90.00 Company common stock issued ($659,772) and cash exchanged for fractional shares ($19) $ 659,791 Stock option conversion 1,135 Restricted stock unit conversion 2,870 Restricted stock awards conversion (unvested awards) (5,986) Fair value of total consideration transferred $ 657,810 Explanation of fair value adjustments (a)— Represents an adjustment to record time deposits with financial institutions at fair value (premium). (b)— Represents the reversal of Atlantic Capital's existing fair value adjustments of $17.2 million and the adjustment to record securities at fair value (discount) totaling $30.9 million (includes reclassification of all securities held as HTM to AFS totaling $237.6 million). (c)— Represents approximately 1.40%, or $34.0 million, net credit discount of the loan portfolio and 2.24% total net discount, or $54.3 million, including non-credit discount, based on a third-party valuation. Also, includes a reversal of Atlantic Capital's ending ACL of (d)— Represents the preliminary fair value adjustments of $2.6 million on fixed assets and leased assets. (e)— Represents approximately $17.5 million, or 0.63%, of CDI amount and $3.2 million for SBA servicing asset based on a third-party valuation. Atlantic Capital’s pre-merger goodwill and servicing asset of $19.9 million and $2.6 million, respectively, were written-off. (f)— Represents deferred tax asset related to fair value adjustments with marginal tax rate of 23.9%, which includes an adjustment from Atlantic Capital’s effective tax rate to the Company’s effective tax rate. The difference in effective tax rates relates to state income taxes. (g)— Represents the fair value adjustment (decrease) for low-income housing investments of $1.1 million, write-off of prepaid assets of $233,000, adjustments to receivables of $154,000 and fair value adjustment for Small Business Investment Company (“SBIC”) investments of $7.4 million. (h)— Represents the reversal of the existing Atlantic Capital’s issuance costs on subordinated debt of $0.9 million and recording the fair value adjustment (premium) of $3.4 million, based on a third-party valuation. (i)— Represents the reversal of $2.8 million of unfunded commitment liability at purchase date and the fair value adjustment to increase lease liabilities associated with rental facilities totaling $1.4 million. Also includes the reversal of uncertain tax liability of $0.7 million.

Investment Securities

Investment Securities	6 Months Ended
Investment Securities	Jun. 30, 2023
Investment Securities
Investment Securities	Note 5 — Investment Securities The following is the amortized cost and fair value of investment securities held to maturity: Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value June 30, 2023: U.S. Government agencies $ 197,265 $ — $ (29,352) $ 167,913 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,514,472 — (253,666) 1,260,806 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 460,574 — (72,157) 388,417 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 357,815 — (73,410) 284,405 Small Business Administration loan-backed securities 55,029 — (12,056) 42,973 $ 2,585,155 $ — $ (440,641) $ 2,144,514 December 31, 2022: U.S. Government agencies $ 197,262 $ — $ (29,787) $ 167,475 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,591,646 — (255,093) 1,336,553 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 474,660 — (69,664) 404,996 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 362,586 — (66,304) 296,282 Small Business Administration loan-backed securities 57,087 — (12,225) 44,862 $ 2,683,241 $ — $ (433,073) $ 2,250,168 The following is the amortized cost and fair value of investment securities available for sale: Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value June 30, 2023: U.S. Treasuries $ 223,658 $ — $ (3,745) $ 219,913 U.S. Government agencies 246,030 — (27,685) 218,345 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,903,472 — (299,102) 1,604,370 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 666,198 — (106,422) 559,776 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,173,907 — (211,413) 962,494 State and municipal obligations 1,135,189 3 (180,737) 954,455 Small Business Administration loan-backed securities 451,564 157 (47,162) 404,559 Corporate securities 30,558 — (5,136) 25,422 $ 5,830,576 $ 160 $ (881,402) $ 4,949,334 December 31, 2022: U.S. Treasuries $ 272,416 $ — $ (6,778) $ 265,638 U.S. Government agencies 245,972 — (26,884) 219,088 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,996,405 — (298,052) 1,698,353 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 708,337 — (107,292) 601,045 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,196,700 2,542 (198,844) 1,000,398 State and municipal obligations 1,269,525 1,210 (205,883) 1,064,852 Small Business Administration loan-backed securities 491,203 302 (46,695) 444,810 Corporate securities 35,583 — (2,945) 32,638 $ 6,216,141 $ 4,054 $ (893,373) $ 5,326,822 During the six months ended June 30, 2023, there were gross gains of $1.3 million and gross losses of $1.3 million, a net gain of $45,000 , realized from the sale of available for sale securities. There were no sales during the three months ended June 30, 2023. During the three and six months ended June 30, 2022, there were realized gains or losses from the sale of available for sale securities. During the three months ended March 31, 2022, the Company sold securities totaling million that were legacy Atlantic Capital securities. These securities were marked to fair value at merger and therefore resulted in gain or loss on sale. The following is the amortized cost and carrying value of other investment securities: Carrying (Dollars in thousands) Value June 30, 2023: Federal Home Loan Bank stock $ 32,085 Federal Reserve Bank stock 150,261 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 10,819 $ 196,728 December 31, 2022: Federal Home Loan Bank stock $ 15,085 Federal Reserve Bank stock 150,261 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 10,808 $ 179,717 Our other investment securities consist of non-marketable equity securities that have no readily determinable market value. Accordingly, when evaluating these securities for impairment, management considers the ultimate recoverability of the par value rather than recognizing temporary declines in value. As of June 30, 2023, we determined that there was no impairment on other investment securities. The amortized cost and fair value of debt securities at June 30, 2023, by contractual maturity are detailed below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties. Securities Securities Held to Maturity Available for Sale Amortized Fair Amortized Fair (Dollars in thousands) Cost Value Cost Value Due in one year or less $ 50,000 $ 48,185 $ 231,970 $ 228,385 Due after one year through five years 51,034 45,228 301,127 283,616 Due after five years through ten years 369,168 320,965 1,263,193 1,075,431 Due after ten years 2,114,953 1,730,136 4,034,286 3,361,902 $ 2,585,155 $ 2,144,514 $ 5,830,576 $ 4,949,334 Information pertaining to our securities with gross unrealized losses at June 30, 2023 and December 31, 2022, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position is as follows: Less Than Twelve Months Twelve Months or More Gross Unrealized Fair Gross Unrealized Fair (Dollars in thousands) Losses Value Losses Value June 30, 2023: Securities Held to Maturity U.S. Government agencies $ — $ — $ 29,352 $ 167,913 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 253,666 1,260,806 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 1,549 44,665 70,608 343,752 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 73,410 284,405 Small Business Administration loan-backed securities — — 12,056 42,973 $ 1,549 $ 44,665 $ 439,092 $ 2,099,849 Securities Available for Sale U.S. Treasuries $ — $ — $ 3,745 $ 219,913 U.S. Government agencies 560 24,440 27,126 193,905 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,252 29,385 297,850 1,574,985 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 3,230 53,808 103,192 505,968 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 7,479 71,072 203,933 891,422 State and municipal obligations 1,400 32,141 179,337 919,535 Small Business Administration loan-backed securities 240 93,998 46,922 283,088 Corporate securities 1,059 5,439 4,077 19,983 $ 15,220 $ 310,283 $ 866,182 $ 4,608,799 December 31, 2022: Securities Held to Maturity U.S. Government agencies $ 5,514 $ 78,833 $ 24,273 $ 88,642 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 65,181 513,086 189,912 823,467 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 30,284 277,868 39,380 127,128 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 14,318 82,895 51,986 213,387 Small Business Administration loan-backed securities — — 12,225 44,862 $ 115,297 $ 952,682 $ 317,776 $ 1,297,486 Securities Available for Sale U.S. Treasuries $ 6,778 $ 265,638 $ — $ — U.S. Government agencies 8,193 138,807 18,691 80,281 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 42,767 459,773 255,285 1,238,580 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 21,450 274,082 85,842 326,963 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 17,156 206,228 181,688 767,002 State and municipal obligations 97,084 616,631 108,799 391,848 Small Business Administration loan-backed securities 2,152 92,535 44,543 264,933 Corporate securities 2,209 28,374 736 4,264 $ 197,789 $ 2,082,068 $ 695,584 $ 3,073,871 The Company’s evaluation methodology for securities impairment is disclosed in Note 3 — Securities, under “Investment Securities” section, of our Annual Report on Form 10-K for the year ended December 31, 2022. All debt securities in an unrealized loss position as of June 30, 2023 continue to perform as scheduled and we do not believe there is a credit loss or a provision for credit losses is necessary. We do not currently intend to sell the securities within the portfolio and it is not more-likely-than-not that we will be required to sell the debt securities. See Note 2 — Summary of Significant Accounting Policies for further discussion. Management continues to monitor all of our securities with a high degree of scrutiny. There can be no assurance that we will not conclude in future periods that conditions existing at that time indicate some or all of its securities may be sold or would require a charge to earnings as a provision for credit losses in such periods. At June 30, 2023, investment securities with a market value of $2.6 billion were pledged to secure public funds deposits and for other purposes required and permitted by law (excluding securities pledged to secure repurchase agreement disclosed in Note 21 — Short-Term Borrowings, under the “Securities Sold Under Agreements to Repurchase (“Repurchase agreements”)” section). The carrying value total of million pledged to secure interest rate swap positions with correspondents. At December 31, 2022, investment securities with a market value of billion were pledged to secure public funds deposits and for other purposes required and permitted by law. The total carrying value of At June 30, 2023 and December 31, 2022, trading securities, at estimated fair value, were as follows: June 30, December 31, (Dollars in thousands) 2023 2022 U.S. Government agencies $ 11,049 $ 11,190 Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises 8,265 — Other residential mortgage issued or guaranteed by U.S. government agencies or sponsored enterprises 3,645 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 11,705 4,589 State and municipal obligations 20,298 13,993 Other debt securities 1,618 1,491 $ 56,580 $ 31,263 Net losses on trading securities for the three and six months ended June 30, 2023 and 2022 were as follows: Three Months Ended June 30, Six Months Ended June 30, (Dollars in thousands) 2023 2022 2023 2022 Net gains (losses) on sales transaction $ 7 $ (380) $ (40) $ (1,620) Net mark to mark losses (195) (458) (201) (2,434) Net losses on trading securities $ (188) $ (838) $ (241) $ (4,054)

Loans

Loans	6 Months Ended
Loans	Jun. 30, 2023
Loans
Loans	Note 6 — Loans The following is a summary of total loans: June 30, December 31, (Dollars in thousands) 2023 2022 Loans: Construction and land development (1) $ 2,817,125 $ 2,860,360 Commercial non-owner occupied 8,476,236 8,072,959 Commercial owner occupied real estate 5,585,951 5,460,193 Consumer owner occupied (2) 5,927,781 5,162,042 Home equity loans 1,347,714 1,313,168 Commercial and industrial 5,378,294 5,313,483 Other income producing property 711,712 696,242 Consumer 1,285,478 1,278,426 Other loans 6,494 20,989 Total loans 31,536,785 30,177,862 Less allowance for credit losses (427,392) (356,444) Loans, net $ 31,109,393 $ 29,821,418 (1) Construction and land development includes loans for both commercial construction and development, as well as loans for 1-4 family construction and lot loans. (2) Consumer owner occupied real estate includes loans on both 1-4 family owner occupied property, as well as loans collateralized by 1-4 family owner occupied property with a business intent. The above table reflects the loan portfolio at the amortized cost basis for the periods June 30, 2023 and December 31, 2022, to include net deferred costs of $61.2 million compared to net deferred fees of $49.7 million, respectively, and unamortized discount related to loans acquired of $59.3 million and $72.1 million, respectively. Accrued interest receivables of The Company purchased loans through its acquisition of Atlantic Capital, for which there was, at acquisition, evidence of more than an insignificant deterioration of credit quality since origination. The carrying amount of those loans is as follows: (Dollars in thousands) March 1, 2022 Book value of acquired loans at acquisition $ 137,874 Allowance for credit losses at acquisition (13,758) Non-credit discount at acquisition (5,943) Carrying value or book value of acquired loans at acquisition $ 118,173 As part of the ongoing monitoring of the credit quality of our loan portfolio, management tracks certain credit quality indicators, including trends related to (i) the level of classified loans, (ii) net charge-offs, (iii) non-performing loans (see details below), and (iv) the general economic conditions of the markets that we serve. The Company utilizes a risk grading matrix to assign a risk grade to each commercial loan. Classified loans are assessed at a minimum every six months. A description of the general characteristics of the risk grades is as follows: ● Pass —These loans range from minimal credit risk to average, however, still acceptable credit risk. ● Special mention —A special mention loan has potential weaknesses that deserve Management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position at some future date. ● Substandard —A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness, or weaknesses, that may jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. ● Doubtful —A doubtful loan has all of the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of the currently existing facts, conditions and values, highly questionable and improbable. Construction and land development loans in the following table are on commercial and speculative real estate. Consumer owner occupied loans are collateralized by 1-4 family owner occupied property with a business intent. The following tables present the credit risk profile by risk grade of commercial loans by origination year as of June 30, 2023 and December 31, 2022: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of June 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Construction and land development Risk rating: Pass $ 218,442 $ 922,947 $ 564,722 $ 50,133 $ 13,914 $ 30,228 $ 63,747 $ 1,864,133 Special mention — 10,424 1,162 13 — 490 — 12,089 Substandard 1,654 1,364 — 253 1,312 7,936 — 12,519 Doubtful — — — — — 5 — 5 Total Construction and land development $ 220,096 $ 934,735 $ 565,884 $ 50,399 $ 15,226 $ 38,659 $ 63,747 $ 1,888,746 Construction and land development Current-period gross charge-offs $ — $ — $ — $ — $ — $ 2 $ — $ 2 Commercial non-owner occupied Risk rating: Pass $ 531,832 $ 2,383,472 $ 1,997,313 $ 704,995 $ 804,870 $ 1,728,824 $ 79,251 $ 8,230,557 Special mention 23,012 10,493 682 44,468 12,518 59,635 93 150,901 Substandard 6,111 5,683 13,147 4,574 30,978 34,284 — 94,777 Doubtful — — 1 — — — — 1 Total Commercial non-owner occupied $ 560,955 $ 2,399,648 $ 2,011,143 $ 754,037 $ 848,366 $ 1,822,743 $ 79,344 $ 8,476,236 Commercial non-owner occupied Current-period gross charge-offs $ — $ — $ 51 $ — $ — $ — $ — $ 51 Commercial Owner Occupied Risk rating: Pass $ 330,520 $ 1,047,572 $ 1,134,877 $ 682,805 $ 693,419 $ 1,346,100 $ 80,999 $ 5,316,292 Special mention 936 31,639 22,812 14,094 10,094 28,564 381 108,520 Substandard 8,750 15,769 31,741 18,982 16,778 68,684 430 161,134 Doubtful — — — 1 — 4 — 5 Total commercial owner occupied $ 340,206 $ 1,094,980 $ 1,189,430 $ 715,882 $ 720,291 $ 1,443,352 $ 81,810 $ 5,585,951 Commercial owner occupied Current-period gross charge-offs $ — $ 35 $ — $ — $ — $ — $ — $ 35 Commercial and industrial Risk rating: Pass $ 674,204 $ 1,269,467 $ 774,899 $ 439,202 $ 217,999 $ 484,451 $ 1,338,102 $ 5,198,324 Special mention 8,534 11,437 3,965 914 2,539 993 13,775 42,157 Substandard 3,694 8,324 24,301 5,557 6,242 15,208 74,329 137,655 Doubtful 57 2 81 1 — 15 2 158 Total commercial and industrial $ 686,489 $ 1,289,230 $ 803,246 $ 445,674 $ 226,780 $ 500,667 $ 1,426,208 $ 5,378,294 Commercial and industrial Current-period gross charge-offs $ 967 $ 1,348 $ 2,959 $ 38 $ 250 $ 402 $ 329 $ 6,293 Other income producing property Risk rating: Pass $ 39,690 $ 157,778 $ 104,488 $ 57,141 $ 43,710 $ 128,364 $ 44,450 $ 575,621 Special mention 76 591 796 78 300 2,706 1,478 6,025 Substandard 287 659 1,910 273 553 6,964 — 10,646 Doubtful — — — — — 5 — 5 Total other income producing property $ 40,053 $ 159,028 $ 107,194 $ 57,492 $ 44,563 $ 138,039 $ 45,928 $ 592,297 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer owner occupied Risk rating: Pass $ 5,519 $ 4,664 $ 2,923 $ 1,475 $ 347 $ 452 $ 19,455 $ 34,835 Special mention 95 521 19 129 277 — — 1,041 Substandard — 2 — 930 1,587 187 150 2,856 Doubtful — — — — — 1 — 1 Total Consumer owner occupied $ 5,614 $ 5,187 $ 2,942 $ 2,534 $ 2,211 $ 640 $ 19,605 $ 38,733 Consumer owner occupied Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Other loans Risk rating: Pass $ 6,494 $ — $ — $ — $ — $ — $ — $ 6,494 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 6,494 $ — $ — $ — $ — $ — $ — $ 6,494 Other loans Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Commercial Loans Risk rating: Pass $ 1,806,701 $ 5,785,900 $ 4,579,222 $ 1,935,751 $ 1,774,259 $ 3,718,419 $ 1,626,004 $ 21,226,256 Special mention 32,653 65,105 29,436 59,696 25,728 92,388 15,727 320,733 Substandard 20,496 31,801 71,099 30,569 57,450 133,263 74,909 419,587 Doubtful 57 2 82 2 — 30 2 175 Total Commercial Loans $ 1,859,907 $ 5,882,808 $ 4,679,839 $ 2,026,018 $ 1,857,437 $ 3,944,100 $ 1,716,642 $ 21,966,751 Total Commercial Loans Current-period gross charge-offs $ 967 $ 1,383 $ 3,010 $ 38 $ 250 $ 404 $ 329 $ 6,381 Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Construction and land development Risk rating: Pass $ 875,751 $ 742,985 $ 134,996 $ 63,439 $ 14,521 $ 29,442 $ 65,656 $ 1,926,790 Special mention 1,643 988 268 76 7,219 2,068 — 12,262 Substandard 214 10,409 11 2,326 — 4,282 — 17,242 Doubtful — — — — — 6 — 6 Total Construction and land development $ 877,608 $ 754,382 $ 135,275 $ 65,841 $ 21,740 $ 35,798 $ 65,656 $ 1,956,300 Construction and land development Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial non-owner occupied Risk rating: Pass $ 2,245,943 $ 1,849,079 $ 816,791 $ 959,707 $ 506,350 $ 1,417,397 $ 108,759 $ 7,904,026 Special mention 7,579 4,225 936 11,036 24,067 32,110 5,000 84,953 Substandard 13,256 25,557 609 9,383 6,472 26,366 2,257 83,900 Doubtful — 1 — 79 — — — 80 Total Commercial non-owner occupied $ 2,266,778 $ 1,878,862 $ 818,336 $ 980,205 $ 536,889 $ 1,475,873 $ 116,016 $ 8,072,959 Commercial non-owner occupied Current-period gross charge-offs $ 8 $ — $ — $ — $ — $ 360 $ — $ 368 Commercial Owner Occupied Risk rating: Pass $ 1,046,562 $ 1,136,289 $ 725,040 $ 709,669 $ 446,497 $ 1,080,522 $ 75,506 $ 5,220,085 Special mention 3,620 25,263 3,383 7,934 7,160 34,724 1,294 83,378 Substandard 12,861 34,210 19,962 16,502 9,487 62,808 895 156,725 Doubtful — — 1 — — 4 — 5 Total commercial owner occupied $ 1,063,043 $ 1,195,762 $ 748,386 $ 734,105 $ 463,144 $ 1,178,058 $ 77,695 $ 5,460,193 Commercial owner occupied Current-period gross charge-offs — — — 1,143 — 833 — 1,976 Commercial and industrial Risk rating: Pass $ 1,566,203 $ 895,368 $ 506,655 $ 274,446 $ 212,522 $ 333,286 $ 1,386,678 $ 5,175,158 Special mention 5,885 3,782 3,401 1,859 3,378 1,316 24,347 43,968 Substandard 6,308 27,974 4,770 6,591 6,783 8,476 32,876 93,778 Doubtful — — — — 155 422 2 579 Total commercial and industrial $ 1,578,396 $ 927,124 $ 514,826 $ 282,896 $ 222,838 $ 343,500 $ 1,443,903 $ 5,313,483 Commercial and industrial Current-period gross charge-offs 4 2,825 198 630 2,214 2,589 1,742 10,202 Other income producing property Risk rating: Pass $ 149,793 $ 92,887 $ 60,473 $ 46,189 $ 47,155 $ 107,436 $ 46,179 $ 550,112 Special mention 952 957 1,257 378 190 3,652 2,328 9,714 Substandard 876 359 1,281 300 214 11,214 1,065 15,309 Doubtful 401 — — — — 136 — 537 Total other income producing property $ 152,022 $ 94,203 $ 63,011 $ 46,867 $ 47,559 $ 122,438 $ 49,572 $ 575,672 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ 46 $ 50 $ 96 Consumer owner occupied Risk rating: Pass $ 5,947 $ 3,124 $ 1,811 $ 418 $ 68 $ 332 $ 15,910 $ 27,610 Special mention 537 20 136 284 — — 66 1,043 Substandard 13 95 12 1,614 — 202 151 2,087 Doubtful — — — — 1 — — 1 Total Consumer owner occupied $ 6,497 $ 3,239 $ 1,959 $ 2,316 $ 69 $ 534 $ 16,127 $ 30,741 Consumer owner occupied Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Other loans Risk rating: Pass $ 20,989 $ — $ — $ — $ — $ — $ — $ 20,989 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 20,989 $ — $ — $ — $ — $ — $ — $ 20,989 Other loans Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Commercial Loans Risk rating: Pass $ 5,911,188 $ 4,719,732 $ 2,245,766 $ 2,053,868 $ 1,227,113 $ 2,968,415 $ 1,698,688 $ 20,824,770 Special mention 20,216 35,235 9,381 21,567 42,014 73,870 33,035 235,318 Substandard 33,528 98,604 26,645 36,716 22,956 113,348 37,244 369,041 Doubtful 401 1 1 79 156 568 2 1,208 Total Commercial Loans $ 5,965,333 $ 4,853,572 $ 2,281,793 $ 2,112,230 $ 1,292,239 $ 3,156,201 $ 1,768,969 $ 21,430,337 Total Commercial Loans Current-period gross charge-offs $ 12 $ 2,825 $ 198 $ 1,773 $ 2,214 $ 3,828 $ 1,792 $ 12,642 For the consumer segment, delinquency of a loan is determined by past due status. Consumer loans are automatically placed on nonaccrual status once the loan is 90 days past due. Construction and land development loans are on 1-4 properties and lots. The following table presents the credit risk profile by past due status of consumer loans by origination year as of June 30, 2023: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of June 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Consumer owner occupied Days past due: Current $ 609,226 $ 1,836,525 $ 1,598,865 $ 642,978 $ 303,557 $ 883,000 $ — $ 5,874,151 30 days past due — 1,351 1,346 727 344 1,651 1 5,420 60 days past due — 466 864 164 53 1,499 — 3,046 90 days past due — 1,378 — 821 512 3,720 — 6,431 Total Consumer owner occupied $ 609,226 $ 1,839,720 $ 1,601,075 $ 644,690 $ 304,466 $ 889,870 $ 1 $ 5,889,048 Consumer owner occupied Current-period gross charge-offs $ — $ 37 $ — $ — $ — $ 2 $ — $ 39 Home equity loans Days past due: Current $ 3,686 $ 6,269 $ 4,853 $ 2,958 $ 1,212 $ 15,534 $ 1,308,808 $ 1,343,320 30 days past due — — 156 43 89 425 1,539 2,252 60 days past due — 40 — — — 507 731 1,278 90 days past due 42 49 — 15 1 230 527 864 Total Home equity loans $ 3,728 $ 6,358 $ 5,009 $ 3,016 $ 1,302 $ 16,696 $ 1,311,605 $ 1,347,714 Home equity loans Current-period gross charge-offs $ — $ — $ — $ 39 $ — $ — $ — $ 39 Consumer Days past due: Current $ 202,695 $ 355,302 $ 170,088 $ 90,851 $ 71,344 $ 162,334 $ 204,891 $ 1,257,505 30 days past due 27 545 304 18 39 1,061 13,579 15,573 60 days past due 1 93 124 168 99 737 8,021 9,243 90 days past due 1 100 141 28 70 1,038 1,779 3,157 Total consumer $ 202,724 $ 356,040 $ 170,657 $ 91,065 $ 71,552 $ 165,170 $ 228,270 $ 1,285,478 Consumer Current-period gross charge-offs $ 64 $ 883 $ 259 $ 157 $ 153 $ 357 $ 3,873 $ 5,746 Construction and land development Days past due: Current $ 62,286 $ 600,901 $ 208,596 $ 29,686 $ 9,897 $ 16,777 $ — $ 928,143 30 days past due 3 — — — — 167 — 170 60 days past due — — — — — 65 — 65 90 days past due — — — 1 — — — 1 Total Construction and land development $ 62,289 $ 600,901 $ 208,596 $ 29,687 $ 9,897 $ 17,009 $ — $ 928,379 Construction and land development Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Other income producing property Days past due: Current $ 6,239 $ 45,046 $ 19,131 $ 4,759 $ 2,578 $ 41,060 $ 286 $ 119,099 30 days past due — — — — — 61 — 61 60 days past due — — — — — — — — 90 days past due — — — — — 255 — 255 Total other income producing property $ 6,239 $ 45,046 $ 19,131 $ 4,759 $ 2,578 $ 41,376 $ 286 $ 119,415 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Consumer Loans Days past due: Current $ 884,132 $ 2,844,043 $ 2,001,533 $ 771,232 $ 388,588 $ 1,118,705 $ 1,513,985 $ 9,522,218 30 days past due 30 1,896 1,806 788 472 3,365 15,119 23,476 60 days past due 1 599 988 332 152 2,808 8,752 13,632 90 days past due 43 1,527 141 865 583 5,243 2,306 10,708 Total Consumer Loans $ 884,206 $ 2,848,065 $ 2,004,468 $ 773,217 $ 389,795 $ 1,130,121 $ 1,540,162 $ 9,570,034 Current-period gross charge-offs $ 64 $ 920 $ 259 $ 196 $ 153 $ 359 $ 3,873 $ 5,824 The following table presents total loans by origination year as of June 30, 2023: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of June 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Total Loans $ 2,744,113 $ 8,730,873 $ 6,684,307 $ 2,799,235 $ 2,247,232 $ 5,074,221 $ 3,256,804 $ 31,536,785 Current-period gross charge-offs $ 66 $ 3,268 $ 3,269 $ 234 $ 403 $ 763 $ 4,202 $ 12,205 The following table presents the credit risk profile by past due status of consumer loans by origination year as of December 31, 2022: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Consumer owner occupied Days past due: Current $ 1,695,454 $ 1,467,080 $ 657,005 $ 315,458 $ 187,580 $ 792,572 $ — $ 5,115,149 30 days past due 1,316 1,254 1,681 664 272 2,028 — 7,215 60 days past due 255 337 579 — 242 1,650 — 3,063 90 days past due — 944 776 454 664 3,036 — 5,874 Total Consumer owner occupied $ 1,697,025 $ 1,469,615 $ 660,041 $ 316,576 $ 188,758 $ 799,286 $ — $ 5,131,301 Consumer owner occupied Current-period gross charge-offs $ 25 $ — $ — $ 6 $ 23 $ 66 $ — $ 120 Home equity loans Days past due: Current $ 5,921 $ 5,231 $ 3,282 $ 1,560 $ 1,955 $ 17,941 $ 1,272,848 $ 1,308,738 30 days past due — — 155 77 418 422 1,586 2,658 60 days past due — — 19 36 70 26 540 691 90 days past due — — 60 87 — 611 323 1,081 Total Home equity loans $ 5,921 $ 5,231 $ 3,516 $ 1,760 $ 2,443 $ 19,000 $ 1,275,297 $ 1,313,168 Home equity loans Current-period gross charge-offs $ — $ — $ — $ 19 $ — $ 280 $ 146 $ 445 Consumer Days past due: Current $ 407,825 $ 206,003 $ 111,210 $ 86,008 $ 44,303 $ 141,053 $ 248,314 $ 1,244,716 30 days past due 718 194 78 174 63 1,255 17,471 19,953 60 days past due 55 103 107 36 144 557 9,836 10,838 90 days past due 126 60 58 66 165 1,660 784 2,919 Total consumer $ 408,724 $ 206,360 $ 111,453 $ 86,284 $ 44,675 $ 144,525 $ 276,405 $ 1,278,426 Consumer Current-period gross charge-offs $ 254 $ 653 $ 337 $ 265 $ 62 $ 664 $ 7,979 $ 10,214 Construction and land development Days past due: Current $ 466,475 $ 351,485 $ 50,472 $ 14,053 $ 7,006 $ 13,588 $ 379 $ 903,458 30 days past due 2 — — 57 23 43 — 125 60 days past due — — — — — — — — 90 days past due — — 436 — — 41 — 477 Total Construction and land development $ 466,477 $ 351,485 $ 50,908 $ 14,110 $ 7,029 $ 13,672 $ 379 $ 904,060 Construction and land development Current-period gross charge-offs $ — $ — $ 21 $ — $ — $ 4 $ — $ 25 Other income producing property Days past due: Current $ 45,717 $ 21,421 $ 4,937 $ 2,663 $ 4,322 $ 40,680 $ 624 $ 120,364 30 days past due — — — — — 62 — 62 60 days past due — — — — — 23 — 23 90 days past due — — — — — 121 — 121 Total other income producing property $ 45,717 $ 21,421 $ 4,937 $ 2,663 $ 4,322 $ 40,886 $ 624 $ 120,570 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Consumer Loans Days past due: Current $ 2,621,392 $ 2,051,220 $ 826,906 $ 419,742 $ 245,166 $ 1,005,834 $ 1,522,165 $ 8,692,425 30 days past due 2,036 1,448 1,914 972 776 3,810 19,057 30,013 60 days past due 310 440 705 72 456 2,256 10,376 14,615 90 days past due 126 1,004 1,330 607 829 5,469 1,107 10,472 Total Consumer Loans $ 2,623,864 $ 2,054,112 $ 830,855 $ 421,393 $ 247,227 $ 1,017,369 $ 1,552,705 $ 8,747,525 Current-period gross charge-offs $ 279 $ 653 $ 358 $ 290 $ 85 $ 1,014 $ 8,125 $ 10,804 The following table presents total loans by origination year as of December 31, 2022: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Total Loans $ 8,589,197 $ 6,907,684 $ 3,112,648 $ 2,533,623 $ 1,539,466 $ 4,173,570 $ 3,321,674 $ 30,177,862 Current-period gross charge-offs $ 291 $ 3,478 $ 556 $ 2,063 $ 2,299 $ 4,842 $ 9,917 $ 23,446 The following table presents an aging analysis of past due accruing loans, segregated by class: 30 - 59 Days 60 - 89 Days 90+ Days Total Non- Total (Dollars in thousands) Past Due Past Due Past Due Past Due Current Accruing Loans June 30, 2023 Construction and land development $ 936 $ 105 $ 217 $ 1,258 $ 2,815,523 $ 344 $ 2,817,125 Commercial non-owner occupied 1,075 109 245 1,429 8,450,916 23,891 8,476,236 Commercial owner occupied 7,104 1,426 1,262 9,792 5,527,546 48,613 5,585,951 Consumer owner occupied 3,727 2,052 — 5,779 5,902,112 19,890 5,927,781 Home equity loans 1,876 595 — 2,471 1,340,536 4,707 1,347,714 Commercial and industrial 26,794 7,006 2,466 36,266 5,282,651 59,377 5,378,294 Other income producing property 1,713 — — 1,713 706,203 3,796 711,712 Consumer 15,406 9,055 1 24,462 1,256,128 4,888 1,285,478 Other loans — — — — 6,494 — 6,494 $ 58,631 $ 20,348 $ 4,191 $ 83,170 $ 31,288,109 $ 165,506 $ 31,536,785 December 31, 2022 Construction and land development $ 2,146 $ 3,653 $ — $ 5,799 $ 2,853,734 $ 827 $ 2,860,360 Commercial non-owner occupied 1,158 978 77 2,213 8,050,321 20,425 8,072,959 Commercial owner occupied 10,748 2,059 2,231 15,038 5,410,066 35,089 5,460,193 Consumer owner occupied 6,001 744 40 6,785 5,137,950 17,307 5,162,042 Home equity loans 2,527 361 — 2,888 1,303,964 6,316 1,313,168 Commercial and industrial 24,500 11,677 1,704 37,881 5,258,473 17,129 5,313,483 Other income producing property 1,623 1,480 298 3,401 690,107 2,734 696,242 Consumer 19,713 10,655 — 30,368 1,243,660 4,398 1,278,426 Other loans — — — — 20,989 — 20,989 $ 68,416 $ 31,607 $ 4,350 $ 104,373 $ 29,969,264 $ 104,225 $ 30,177,862 The following table is a summary of information pertaining to nonaccrual loans by class, including loans modified for borrowers with financial difficulty as of June 30, 2023 and the information pertaining to nonaccrual loans by class, including restructured loans as of December 31, 2022 : June 30, Greater than Non-accrual December 31, (Dollars in thousands) 2023 90 Days Accruing (1) with no allowance (1) 2022 Construction and land development $ 344 $ 217 $ 7 $ 827 Commercial non-owner occupied 23,891 245 14,391 20,425 Commercial owner occupied real estate 48,613 1,262 15,057 35,089 Consumer owner occupied 19,890 — — 17,307 Home equity loans 4,707 — — 6,316 Commercial and industrial 59,377 2,466 35,603 17,129 Other income producing property 3,796 — — 2,734 Consumer 4,888 1 — 4,398 Total loans on nonaccrual status $ 165,506 $ 4,191 $ 65,058 $ 104,225 (1) Greater than 90 days accruing and non-accrual with no allowance loans at June 30, 2023. There is no interest income recognized during the period on nonaccrual loans. The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Loans on nonaccrual status in which there is no allowance assigned are individually evaluated loans that do not carry a specific reserve. See Note 2 — Summary of Significant Accounting Policies for further detailed discussion on individually evaluated loans. The following is a summary of collateral dependent loans, by type of collateral, and the extent to which they are collateralized during the period: June 30, Collateral December 31, Collateral (Do

Allowance for Credit Losses (AC

Allowance for Credit Losses (ACL)	6 Months Ended
Allowance for Credit Losses (ACL)	Jun. 30, 2023
Allowance for Credit Losses (ACL)
Allowance for Credit Losses (ACL)	Note 7 — Allowance for Credit Losses (ACL) See Note 2 — Summary of Significant Accounting Policies in this Quarterly Report on Form 10-Q for further detailed descriptions of our estimation process and methodology related to the allowance for credit losses. The following tables present a disaggregated analysis of activity in the allowance for credit losses. Residential Residential Residential Comm Constr. CRE Owner Non-Owner (Dollars in thousands) Mortgage Sr. Mortgage Jr. HELOC Construction & Dev. Consumer Multifamily Municipal Occupied Occupied CRE C & I Total Three Months Ended June 30, 2023 Allowance for credit losses: Balance at end of period March 31, 2023 $ 77,351 $ 349 $ 14,318 $ 9,176 $ 55,069 $ 23,319 $ 5,507 $ 879 $ 57,541 $ 82,473 $ 44,663 $ 370,645 Charge-offs (37) — — — (2) (3,017) — — (35) — (4,487) (7,578) Recoveries 302 3 532 22 198 520 — — 93 334 2,264 4,268 Net (charge offs) recoveries 265 3 532 22 196 (2,497) — — 58 334 (2,223) (3,310) Provision (recovery) (1) 3,853 40 (638) (329) 49 3,755 4,260 (134) 13,160 32,462 3,579 60,057 Balance at end of period June 30, 2023 $ 81,469 $ 392 $ 14,212 $ 8,869 $ 55,314 $ 24,577 $ 9,767 $ 745 $ 70,759 $ 115,269 $ 46,019 $ 427,392 Allowance for credit losses: Quantitative allowance Collectively evaluated $ 82,205 $ 393 $ 12,083 $ 8,779 $ 84,827 $ 24,577 $ 9,680 $ 670 $ 62,998 $ 112,563 $ 36,783 $ 435,558 Individually evaluated 174 — 2,331 — — — — — 6,936 1,723 5,100 16,264 Total quantitative allowance 82,379 393 14,414 8,779 84,827 24,577 9,680 670 69,934 114,286 41,883 451,822 Qualitative allowance (910) (1) (202) 90 (29,513) — 87 75 825 983 4,136 (24,430) Balance at end of period June 30, 2023 $ 81,469 $ 392 $ 14,212 $ 8,869 $ 55,314 $ 24,577 $ 9,767 $ 745 $ 70,759 $ 115,269 $ 46,019 $ 427,392 Three Months Ended June 30, 2022 Allowance for credit losses: Balance at end of period March 31, 2022 $ 46,002 $ 586 $ 13,671 $ 5,616 $ 25,358 $ 21,899 $ 3,903 $ 607 $ 49,094 $ 96,360 $ 37,300 $ 300,396 Allowance Adjustment – FMV for ACBI merger 727 — — — — — — — 930 — 2,883 4,540 Adjusted CECL balance 46,729 586 13,671 5,616 25,358 21,899 3,903 607 50,024 96,360 40,183 304,936 Charge-offs (61) — (203) — — (2,124) — — (78) (360) (3,337) (6,163) Recoveries 361 110 395 2 410 660 — — 94 304 1,488 3,824 Net (charge offs) recoveries 300 110 192 2 410 (1,464) — — 16 (56) (1,849) (2,339) Provision (recovery) (1) 8,678 (163) 3,055 1,947 1,962 4,317 (1,445) 96 14,648 (11,135) (4,849) 17,111 Balance at end of period June 30, 2022 $ 55,707 $ 533 $ 16,918 $ 7,565 $ 27,730 $ 24,752 $ 2,458 $ 703 $ 64,688 $ 85,169 $ 33,485 $ 319,708 Allowance for credit losses: Quantitative allowance Collectively evaluated $ 55,203 $ 533 $ 13,488 $ 7,565 $ 21,572 $ 24,752 $ 2,458 $ 703 $ 42,294 $ 63,666 $ 26,203 $ 258,437 Individually evaluated 479 — 3,418 — 865 — — — 5,588 140 6,442 16,932 Total quantitative allowance 55,682 533 16,906 7,565 22,437 24,752 2,458 703 47,882 63,806 32,645 275,369 Qualitative allowance 25 — 12 — 5,293 — — — 16,806 21,363 840 44,339 Balance at end of period June 30, 2022 $ 55,707 $ 533 $ 16,918 $ 7,565 $ 27,730 $ 24,752 $ 2,458 $ 703 $ 64,688 $ 85,169 $ 33,485 $ 319,708 (1) A negative provision for credit losses of $21.7 million was recorded during the second quarter of 2023, compared to a provision for credit losses of $2.2 million recorded during the second quarter of 2022 for the allowance for credit losses for unfunded commitments that is not included in the above table. Residential Residential Residential Comm Constr. CRE Owner Non Owner (Dollars in thousands) Mortgage Sr. Mortgage Jr. HELOC Construction & Dev. Consumer Multifamily Municipal Occupied Occupied CRE C & I Total Six Months Ended June 30, 2023 Allowance for credit losses: Balance at end of period December 31, 2022 $ 72,188 $ 405 $ 14,886 $ 8,974 $ 45,410 $ 22,767 $ 3,684 $ 849 $ 58,083 $ 78,485 $ 50,713 $ 356,444 Charge-offs (39) — (39) — (2) (5,746) — — (35) (51) (6,293) (12,205) Recoveries 596 8 777 94 456 1,104 — — 386 440 3,996 7,857 Net (charge offs) recoveries 557 8 738 94 454 (4,642) — — 351 389 (2,297) (4,348) Provision (benefit) (1) 8,724 (21) (1,412) (199) 9,450 6,452 6,083 (104) 12,325 36,395 (2,397) 75,296 Balance at end of period June 30, 2023 $ 81,469 $ 392 $ 14,212 $ 8,869 $ 55,314 $ 24,577 $ 9,767 $ 745 $ 70,759 $ 115,269 $ 46,019 $ 427,392 Six Months Ended June 30, 2022 Allowance for credit losses: Balance at end of period December 31, 2021 $ 47,036 $ 611 $ 13,325 $ 4,997 $ 37,593 $ 23,149 $ 4,921 $ 565 $ 61,794 $ 79,649 $ 28,167 $ 301,807 Initial Allowance for PCD loans acquired during period 811 — — — 86 — — — 2,409 — 10,452 13,758 Initial Allowance for Non PCD loans acquired during period 352 26 132 2 1,887 51 426 — 2,519 2,697 5,605 13,697 Charge-offs (119) (19) (421) — (4) (4,785) — — (449) (360) (5,496) (11,653) Recoveries 755 165 652 5 644 1,192 — — 408 373 2,797 6,991 Net (charge offs) recoveries 636 146 231 5 640 (3,593) — — (41) 13 (2,699) (4,662) Provision (benefit) (1) 6,872 (250) 3,230 2,561 (12,476) 5,145 (2,889) 138 (1,993) 2,810 (8,040) (4,892) Balance at end of period June 30, 2022 $ 55,707 $ 533 $ 16,918 $ 7,565 $ 27,730 $ 24,752 $ 2,458 $ 703 $ 64,688 $ 85,169 $ 33,485 $ 319,708 (1) A negative provision for credit losses of $3.8 million was recorded during the first six months of 2023, compared to a provision for credit losses of $2.0 million during the first six months of 2022 for the allowance for credit losses for unfunded commitments that is not included in the above table .

Other Real Estate Owned and Ban

Other Real Estate Owned and Bank Premises Held for Sale	6 Months Ended
Other Real Estate Owned and Bank Premises Held for Sale	Jun. 30, 2023
Other Real Estate Owned and Bank Premises Held for Sale
Other Real Estate Owned and Bank Premises Held for Sale	Note 8 — Other Real Estate Owned and Bank Premises Held for Sale The following is a summary of information pertaining to OREO and Bank Premises Held for Sale: (Dollars in thousands) OREO Bank Properties Held for Sale Total Balance, December 31, 2022 $ 1,023 $ 17,754 $ 18,777 Additions, net 3,186 — 3,186 Write-downs — (1,231) (1,231) Sold (3,129) (3,051) (6,180) Balance, June 30, 2023 $ 1,080 $ 13,472 $ 14,552 At June 30, 2023, there were a total of five properties included in OREO 31, 2022. At June 30, 2023, there were a total of 31, 2022. At June 30, 2023, we had

Leases

Leases	6 Months Ended
Leases	Jun. 30, 2023
Leases
Leases	Note 9 — Leases As of June 30, 2023 and December 31, 2022, we had operating right-of-use (“ROU”) assets of $106.7 million and $108.0 million, respectively, and operating lease liabilities of $114.6 million and $115.6 million, respectively. We maintain operating leases on land and buildings for some of our operating centers, branch facilities and ATM locations. Most leases include one or more . The exercise of renewal options is based on the sole judgment of management and what they consider to be reasonably certain given the environment today. Factors in determining whether an option is reasonably certain of exercise include, but are not limited to, the value of leasehold improvements, the value of renewal rate compared to market rates, and the presence of factors that would cause a significant economic penalty to us if the option is not exercised. Leases with an initial term of 12 months or less are not recorded on the balance sheet and instead are recognized in lease expense on a straight-line basis over the lease term. Three Months Ended Six Months Ended (Dollars in thousands) June 30, June 30, 2023 2022 2023 2022 Lease Cost Components: Amortization of ROU assets – finance leases $ 117 $ 117 $ 233 $ 233 Interest on lease liabilities – finance leases 10 12 21 25 Operating lease cost (cost resulting from lease payments) 4,278 4,536 8,518 8,869 Short-term lease cost 109 231 215 374 Variable lease cost (cost excluded from lease payments) 840 761 1,475 1,198 Total lease cost $ 5,354 $ 5,657 $ 10,462 $ 10,699 Supplemental Cash Flow and Other Information Related to Leases: Finance lease – operating cash flows $ 10 $ 12 $ 21 $ 25 Finance lease – financing cash flows 110 108 220 216 Operating lease – operating cash flows (fixed payments) 4,154 4,444 8,250 8,626 Operating lease – operating cash flows (net change asset/liability) (3,321) (3,545) (6,608) (6,848) New ROU assets – operating leases 701 188 701 12,616 New ROU assets – finance leases — — — — Weighted – average remaining lease term (years) – finance leases 4.93 5.92 Weighted – average remaining lease term (years) – operating leases 9.63 10.11 Weighted – average discount rate - finance leases 1.7% 1.7% Weighted – average discount rate - operating leases 3.0% 3.0% Operating lease payments due: 2023 (excluding the quarter ended June 30, 2023) $ 8,411 2024 15,784 2025 14,435 2026 14,062 2027 13,122 Thereafter 68,760 Total undiscounted cash flows 134,574 Discount on cash flows (20,014) Total operating lease liabilities $ 114,560 As of June 30, 2023, the Company held a small number of finance leases assumed in connection to the CenterState merger completed in 2020. These leases are all real estate leases. Terms and conditions are similar to those real estate operating leases described above. Lease classifications from the acquired institutions were retained. As of June 30, 2023, we did not maintain any leases with related parties, and determined that the number and dollar amount of our equipment leases was immaterial. As of June 30, 2023, we had

Deposits

Deposits	6 Months Ended
Deposits	Jun. 30, 2023
Deposits
Deposits	Note 10 — Deposits Our total deposits are comprised of the following: June 30, December 31, (Dollars in thousands) 2023 2022 Noninterest-bearing checking $ 11,489,483 $ 13,168,656 Interest-bearing checking 8,185,609 8,955,519 Savings 2,931,320 3,464,351 Money market 9,710,032 8,342,111 Time deposits 4,425,434 2,419,986 Total deposits $ 36,741,878 $ 36,350,623 At June 30, 2023 and December 31, 2022, we had $850.2 million and $464.9 million in certificates of deposits greater than $250,000, respectively.

Retirement Plans

Retirement Plans	6 Months Ended
Retirement Plans	Jun. 30, 2023
Retirement Plans
Retirement Plans	Note 11 — Retirement Plans The Company sponsors an employees’ savings plan under the provisions of the Internal Revenue Code Section 401(k). Electing employees are eligible to participate in the employees’ savings plan after attaining age . Plan participants elect to contribute portions of their annual base compensation as a before tax contribution. Employer contributions may be made from current or accumulated net profits. Participants may elect to contribute of annual base compensation as a before tax contribution. Employees participating in the plan received a of their salary. We expensed Employees can enter the savings plan on or after the first day of each month. The employee may enter into a salary deferral agreement at any time to select an alternative deferral amount or to elect not to defer in the plan. If the employee does not elect an investment allocation, the plan administrator will select a retirement-based portfolio according to the employee’s number of years until normal retirement age. The plan’s investment valuations are generally provided on a daily basis.

Earnings Per Share

Earnings Per Share	6 Months Ended
Earnings Per Share	Jun. 30, 2023
Earnings Per Share
Earnings Per Share	Note 12 — Earnings Per Share Basic earnings per share is calculated by dividing net income by the weighted-average shares of common stock outstanding during each period, excluding non-vested restricted shares. Our diluted earnings per share is based on the weighted-average shares of common stock outstanding during each period plus the maximum dilutive effect of common stock issuable upon exercise of stock options or vesting of restricted stock units. Stock options and unvested restricted stock units are considered common stock equivalents and are only included in the calculation of diluted earnings per common share when their effect is dilutive. The following table sets forth the computation of basic and diluted earnings per common share: Three Months Ended Six Months Ended June 30, June 30, (Dollars and shares in thousands, except for per share amounts) 2023 2022 2023 2022 Basic earnings per common share: Net income $ 123,447 $ 119,175 $ 263,373 $ 219,504 Weighted-average basic common shares 76,058 75,461 75,981 73,465 Basic earnings per common share $ 1.62 $ 1.58 $ 3.47 $ 2.99 Diluted earnings per common share: Net income $ 123,447 $ 119,175 $ 263,373 $ 219,504 Weighted-average basic common shares 76,058 75,461 75,981 73,465 Effect of dilutive securities 360 633 413 639 Weighted-average dilutive shares 76,418 76,094 76,394 74,104 Diluted earnings per common share $ 1.62 $ 1.57 $ 3.45 $ 2.96 The calculation of diluted earnings per common share excludes outstanding stock options for which the results would have been anti-dilutive under the treasury stock method as follows: Three Months Ended June 30, Six Months Ended June 30, 2023 2022 2023 2022 Number of shares 58,247 57,169 57,169 57,169 Range of exercise prices $ 69.48 to $ 91.35 $ 87.30 to $ 91.35 $ 87.30 to $ 91.35 $ 87.30 to $ 91.35

Share-Based Compensation

Share-Based Compensation	6 Months Ended
Share-Based Compensation	Jun. 30, 2023
Share-Based Compensation
Share-Based Compensation	Note 13 — Share-Based Compensation Our 2004, 2012, 2019 and 2020 share-based compensation plans are long-term retention plans intended to attract, retain, and provide incentives for key employees and non-employee directors in the form of incentive and non-qualified stock options, restricted stock, and restricted stock units (“RSUs”). Our 2020 plan was adopted by our shareholders at our annual meeting on October 29, 2020. The Company also assumed the obligations of ACBI under various equity incentive plans pursuant to the acquisition of ACBI on March 1, 2022 and the obligations of CenterState under various equity incentive plans pursuant to the merger with CenterState on June 7, 2020. Stock Options With the exception of non-qualified stock options granted to directors under the 2004 and 2012 plans, which in some cases may be exercised at any time prior to expiration and in some other cases may be exercised at intervals less than a year following the grant date, incentive stock options granted under our 2004, 2012, 2019 and 2020 plans may not be exercised in whole or in part within a year following the date of the grant, as these incentive stock options become exercisable in 25% increments pro ratably over the four-year period following the grant date. The options are granted at an exercise price at least equal to the fair value of the common stock at the date of grant and expire from the date of grant. 2004 2012 or 2019 plans after January 26, 2012, February 1, 2019, and October 29, 2020, respectively, and the plans are closed other than for any options still unexercised and outstanding. The 2020 plan is the only plan from which new share-based compensation grants may be issued. It is the Company’s policy to grant options out of the shares registered under the 2020 plan. Activity in the Company’s stock option plans is summarized in the following table. Weighted Weighted Average Aggregate Average Remaining Intrinsic Shares Price (Yrs.) (000’s) Outstanding at January 1, 2023 161,832 $ 66.20 Exercised (19,011) 51.01 Expired (1,967) 28.30 Outstanding at June 30, 2023 140,854 68.78 2.80 $ 1,034 Exercisable at June 30, 2023 140,854 68.78 2.80 $ 1,034 The fair value of options is estimated at the date of grant using the Black-Scholes option pricing model and expensed over the options’ vesting periods. There have been stock options issued during the first six months of 2023. Because all outstanding stock options had vested as of December 31, 2022, there was no unrecognized compensation cost related to nonvested stock option grants under the plans or fair value of shares vested during the six months ended June 30, 2023. The intrinsic value of stock option shares exercised for the six months ended June 30, 2023 was Restricted Stock From time-to-time, we grant shares of restricted stock to key employees. These awards help align the interests of these employees with the interests of our shareholders by providing economic value directly related to increases in the value of our stock. The value of the stock awarded is established as the fair market value of the stock at the time of the grant. We recognize expenses equal to the total value of such awards, ratably over the vesting period of the stock grants. Restricted stock grants to employees generally vest ratably over a two All restricted stock agreements are conditioned upon continued employment. Termination of employment prior to a vesting date, as described below, would terminate any interest in non-vested shares. Prior to vesting of the shares, as long as employed by the Company, the employees will have the right to vote such shares and to receive dividends paid with respect to such shares. All restricted shares will fully vest in the event of change in control of the Company or upon the death of the recipient. Nonvested restricted stock for 2023 is summarized in the following table. Weighted- Average Grant-Date Restricted Stock Shares Fair Value Nonvested at January 1, 2023 50,506 $ 89.12 Vested (20,849) 90.00 Forfeited (2,353) 90.00 Nonvested at June 30, 2023 27,304 $ 88.37 As of June 30, 2023, there was $1.2 million of total unrecognized compensation cost related to nonvested restricted stock granted under the plans. This cost is expected to be recognized over a weighted-average period of years as of June 30, 2023. The total fair value of shares vested during the six months ended June 30, 2023 was million. Restricted Stock Units (“RSUs”) From time-to-time, we also grant performance RSUs and time-vested RSUs to key employees, and time-vested RSUs to non-employee directors. These awards help align the interests of these employees with the interests of our shareholders by providing economic value directly related to our performance. Some performance RSU grants contain a one two from the grant date). The performance-based awards for our long-term incentive plans are dependent on the achievement of tangible book value growth and return on average tangible common equity relative to the Company’s peer group during each performance period. Grants to non-employee directors typically vest within a period. We communicate threshold, target, and maximum performance RSU awards and performance targets to the applicable key employees at the beginning of a performance period. Due to the merger with CenterState on June 7, 2020, all legacy and assumed performance-based restricted stock units converted to a time-vesting requirement. With respect to some long-term incentive awards, dividend equivalents are accrued at the same rate as cash dividends paid for each share of the Company’s common stock during the performance or time-vested period, and subsequently paid when the shares are issued on the vesting or settlement date. The value of the RSUs awarded is established as the fair market value of the stock at the time of the grant. We recognize expense on a straight-line basis typically over the performance or time-vesting periods based upon the probable performance target, as applicable, that will be met. Outstanding RSUs at target for the six months ended June 30, 2023 is summarized in the following table. Weighted- Average Grant-Date Restricted Stock Units Shares Fair Value Outstanding at January 1, 2023 940,512 $ 73.82 Granted 371,821 74.90 Vested (358,784) 71.93 Forfeited (9,577) 75.99 Outstanding at June 30, 2023 943,972 $ 74.94 The nonvested shares of 943,972 at June 30, 2023 includes 147,955 shares that have fully vested but are subject to a two-year holding period, which commenced at the end of their respective vesting period. These vested shares will be released and issued into shares of common stock at the end of their respective two-year holding period, the last of which will end by March 31, 2025. If maximum performance is achieved pursuant to the 2021, 2022 and 2023 Long Term Incentive performance-based RSU grants, an additional As of June 30, 2023, there was $34.9 million of total unrecognized compensation cost related to nonvested RSUs granted under the plan. This cost is expected to be recognized over a weighted-average period of years as of June 30, 2023. The total fair value of RSUs vested and released during the six months ended June 30, 2023 was million.

Commitments and Contingent Liab

Commitments and Contingent Liabilities	6 Months Ended
Commitments and Contingent Liabilities	Jun. 30, 2023
Commitments and Contingent Liabilities
Commitments and Contingent Liabilities	Note 14 — Commitments and Contingent Liabilities In the normal course of business, we make various commitments and incur certain contingent liabilities, which are not reflected in the accompanying financial statements. The commitments and contingent liabilities include guarantees, commitments to extend credit, and standby letters of credit. At June 30, 2023, commitments to extend credit and standby letters of credit totaled billion. million and recorded on the Balance Sheet. See Note 2 — Summary of Significant Accounting Policies for discussion of liability recorded for expected credit losses on unfunded commitments We have been named as defendant in various legal actions, arising from its normal business activities, in which damages in various amounts are claimed. We are also exposed to litigation risk related to the prior business activities of banks acquired through whole bank acquisitions. Although the amount of any ultimate liability with respect to such matters cannot be determined, in the opinion of management, as of In May 2023, the Federal Deposit Insurance Corporation (“FDIC”) approved a notice of proposed rulemaking to implement a special assessment, in connection with the systemic risk determination announced in March 2023, to recover the cost associated with protecting uninsured depositors following the recent bank failures. The FDIC is proposing to collect t at an annual rate of approximately 12.5 basis points of the Company’s uninsured deposits reported as of December 31, 2022, adjusted to exclude the first $5 billion, over eight quarterly assessment periods, beginning after the first quarter 2024. We expect the FDIC will enact a special deposit insurance assessment in the second half of 2023 that will significantly increase our FDIC deposit insurance costs. Based on the current proposal, the Company estimates our total cost to be a quarterly special assessment of million for the two-year special assessment period, which would be recognized at the time the final rule is adopted. The total cost and timing is subject to change prior to any final rule depending on any adjustments to the loss estimate, mergers or failures, or amendments to reported estimates of uninsured deposits.

Fair Value

Fair Value	6 Months Ended
Fair Value	Jun. 30, 2023
Fair Value.
Fair Value	Note 15 — Fair Value GAAP defines fair value and establishes a framework for measuring and disclosing fair value. Fair value should be based on the assumptions market participants would use when pricing an asset or liability and establishes a fair value hierarchy that prioritizes the information used to develop those assumptions. The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. Available for sale and trading securities, derivative contracts, mortgage loans held for sale, SBA servicing rights, and mortgage servicing rights (“MSRs”) are recorded at fair value on a recurring basis. Additionally, from time to time, we may be required to record at fair value other assets on a nonrecurring basis, such as impaired loans, OREO, bank properties held for sale, and certain other assets. These nonrecurring fair value adjustments typically involve application of lower of cost or market accounting or write-downs of individual assets. FASB ASC Topic 820 establishes a three-tier fair value hierarchy which prioritizes the inputs used in measuring fair value as follows: Level 1 Observable inputs such as quoted prices in active markets; Level 2 Inputs, other than the quoted prices in active markets, that are observable either directly or indirectly; and Level 3 Unobservable inputs in which there is little or no market data, which require the reporting entity to develop its own assumptions. A description of valuation methodologies used for assets recorded at fair value is disclosed in Note 25 — Fair Value of our Annual Report on Form 10-K for the year ended December 31, 2022. Assets and Liabilities Recorded at Fair Value on a Recurring Basis The table below presents the recorded amount of assets and liabilities measured at fair value on a recurring basis: Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) June 30, 2023: Assets Derivative financial instruments $ 174,480 $ — $ 174,480 $ — Loans held for sale 42,951 — 42,951 — Trading securities 56,580 — 56,580 — Securities available for sale: U.S. Treasuries 219,913 — 219,913 — U.S. Government agencies 218,345 — 218,345 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,604,370 — 1,604,370 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 559,776 — 559,776 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 962,494 — 962,494 — State and municipal obligations 954,455 — 954,455 — Small Business Administration loan-backed securities 404,559 — 404,559 — Corporate securities 25,422 — 25,422 — Total securities available for sale 4,949,334 — 4,949,334 — Mortgage servicing rights 87,539 — — 87,539 SBA servicing asset 6,202 — — 6,202 $ 5,317,086 $ — $ 5,223,345 $ 93,741 Liabilities Derivative financial instruments $ 975,717 $ — $ 975,717 $ — December 31, 2022: Assets Derivative financial instruments $ 211,016 $ — $ 211,016 $ — Loans held for sale 28,968 — 28,968 — Trading securities 31,263 — 31,263 — Securities available for sale: U.S. Treasuries 265,638 — 265,638 — U.S. Government agencies 219,088 — 219,088 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,698,353 — 1,698,353 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 601,045 — 601,045 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,000,398 — 1,000,398 — State and municipal obligations 1,064,852 — 1,064,852 — Small Business Administration loan-backed securities 444,810 — 444,810 — Corporate securities 32,638 — 32,638 — Total securities available for sale 5,326,822 — 5,326,822 — Mortgage servicing rights 86,610 — — 86,610 SBA servicing asset 6,068 — — 6,068 $ 5,690,747 $ — $ 5,598,069 $ 92,678 Liabilities Derivative financial instruments $ 1,034,143 $ — $ 1,034,143 $ — Fair Value Option The Company has elected the fair value option for mortgage loans held for sale primarily to ease the operational burden required to maintain hedge accounting for these loans. The Company was able to achieve effective economic hedges on mortgage loans held for sale without the time and expense needed to manage a hedge accounting program. The following table summarizes the difference between the fair value and the unpaid principal balance of mortgage loans held for sale and the changes in fair value of these loans. June 30, December 31, (Dollars in thousands) 2023 2022 Fair value $ 42,951 $ 28,968 Unpaid principal balance 41,855 27,937 Fair value less aggregated unpaid principal balance $ 1,096 $ 1,031 Three Months Ended June 30, Six Months Ended June 30, (Dollars in thousands) 2023 2022 2023 2022 Income Statement Location Mortgage loans held for sale $ 75 $ 570 $ 66 $ (5,456) Mortgage banking income Changes in Level 1, 2 and 3 Fair Value Measurements When a determination is made to classify a financial instrument within Level 3 of the valuation hierarchy, the determination is based upon the significance of the unobservable factors to the overall fair value measurement. However, since Level 3 financial instruments typically include, in addition to the unobservable or Level 3 components, observable components (that is, components that are actively quoted and can be validated to external sources), the gains and losses below include changes in fair value due in part to observable factors that are part of the valuation methodology. There were no changes in hierarchy classifications of Level 3 assets or liabilities for the six months ended June 30, 2023. A reconciliation of the beginning and ending balances of Level 3 assets and liabilities recorded at fair value on a recurring basis for the six months ended June 30, 2023 is as follows: (Dollars in thousands) MSRs Fair value, January 1, 2023 $ 86,610 Servicing assets that resulted from transfers of financial assets 4,034 Changes in fair value due to valuation inputs or assumptions 688 Changes in fair value due to decay (3,793) Fair value, June 30, 2023 $ 87,539 In 2022, the Company elected to prospectively apply fair value accounting to the Company’s SBA servicing asset, which is considered a Level 3 asset. A reconciliation of the beginning and ending balances of the SBA servicing asset recorded at fair value on a recurring basis for the period ending June 30, 2023 is as follows: (Dollars in thousands) SBA Servicing Asset Fair value, January 1, 2023 $ 6,068 Servicing assets that resulted from transfers of financial assets 631 Changes in fair value due to decay (931) Changes in fair value due to valuation inputs or assumptions 434 Fair value, June 30, 2023 $ 6,202 There were no unrealized losses included in accumulated other comprehensive income related to Level 3 financial assets and liabilities at June 30, 2023. Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis The tables below present the recorded amount of assets and liabilities measured at fair value on a nonrecurring basis: Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) June 30, 2023: OREO $ 1,080 $ — $ — $ 1,080 Bank properties held for sale 13,472 — — 13,472 Individually evaluated loans 84,099 — — 84,099 December 31, 2022: OREO $ 1,023 $ — $ — $ 1,023 Bank properties held for sale 17,754 — — 17,754 Individually evaluated loans 20,802 — — 20,802 Quantitative Information about Level 3 Fair Value Measurement Weighted Average June 30, December 31, Valuation Technique Unobservable Input 2023 2022 Nonrecurring measurements: Individually evaluated loans Discounted appraisals and discounted cash flows Collateral discounts 15 % 31 % OREO and Bank properties held for sale Discounted appraisals Collateral discounts and estimated costs to sell 23 % 16 % Fair Value of Financial Instruments We used the following methods and assumptions in estimating our fair value disclosures for financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those models are significantly affected by the assumptions used, including the discount rates and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument. The use of different methodologies may have a material effect on the estimated fair value amounts. The fair value estimates presented herein are based on pertinent information available to management as of June 30, 2023 and December 31, 2022. Such amounts have not been revalued for purposes of these consolidated financial statements since those dates and, therefore, current estimates of fair value may differ significantly from the amounts presented herein. Methods and assumptions used to estimate the fair value of each class of financial instruments are disclosed in Note 25 — Fair Value of our Annual Report on Form 10-K for the year ended December 31, 2022. The estimated fair value, and related carrying amount, of our financial instruments are as follows: Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 June 30, 2023 Financial assets: Cash and cash equivalents $ 1,513,749 $ 1,513,749 $ 1,513,749 $ — $ — Trading securities 56,580 56,580 — 56,580 — Investment securities 7,731,217 7,290,576 196,728 7,093,848 — Loans held for sale 42,951 42,951 — 42,951 — Loans, net of allowance for credit losses 31,109,393 30,184,857 — — 30,184,857 Accrued interest receivable 137,230 137,230 — 26,346 110,884 Mortgage servicing rights 87,539 87,539 — — 87,539 SBA servicing asset 6,202 6,202 — — 6,202 Interest rate swap – non-designated hedge 173,248 173,248 — 173,248 — Other derivative financial instruments (mortgage banking related) 1,232 1,232 — 1,232 — Financial liabilities: Deposits Noninterest-bearing 11,489,483 11,489,483 — 11,489,483 — Interest-bearing other than time deposits 20,826,961 20,826,961 — 20,826,961 — Time deposits 4,425,434 4,351,601 — 4,351,601 — Federal funds purchased and securities sold under agreements to repurchase 581,446 581,446 — 581,446 — Corporate and subordinated debentures 392,090 385,920 — 385,920 — Other borrowings 400,000 400,000 — 400,000 — Accrued interest payable 31,791 31,791 — 31,791 — Interest rate swap – non-designated hedge 974,549 974,549 — 974,549 — Other derivative financial instruments (mortgage banking related) 1,168 1,168 — 1,168 — Off balance sheet financial instruments: Commitments to extend credit — (328,875) — (328,875) — December 31, 2022 Financial assets: Cash and cash equivalents $ 1,312,563 $ 1,312,563 $ 1,312,563 $ — $ — Trading securities 31,263 31,263 — 31,263 — Investment securities 8,189,780 7,756,707 179,717 7,576,990 — Loans held for sale 28,968 28,968 — 28,968 — Loans, net of allowance for credit losses 29,821,418 29,329,499 — — 29,329,499 Accrued interest receivable 134,594 134,594 — 28,449 106,145 Mortgage servicing rights 86,610 86,610 — — 86,610 SBA servicing asset 6,068 — — — 6,068 Interest rate swap – non-designated hedge 210,216 210,216 — 210,216 — Other derivative financial instruments (mortgage banking related) 800 800 — 800 — Financial liabilities: Deposits Noninterest-bearing 13,168,656 13,168,656 — 13,168,656 — Interest-bearing other than time deposits 20,761,981 20,761,981 — 20,761,981 — Time deposits 2,419,986 2,333,764 — 2,333,764 — Federal funds purchased and securities sold under agreements to repurchase 556,417 556,417 — 556,417 — Corporate and subordinated debentures 392,275 377,360 — 377,360 — Accrued interest payable 6,218 6,218 — 3,345 — Interest rate swap – non-designated hedge 1,033,980 1,033,980 — 1,033,980 — Other derivative financial instruments (mortgage banking related) 163 163 — 163 — Off balance sheet financial instruments: Commitments to extend credit — (184,801) — (184,801) —

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	6 Months Ended
Accumulated Other Comprehensive Loss	Jun. 30, 2023
Accumulated Other Comprehensive Loss
Accumulated Other Comprehensive Loss	Note 16 — Accumulated Other Comprehensive Loss The changes in each component of accumulated other comprehensive loss, net of tax, were as follows: Unrealized Gains and Benefit (Losses) on Securities (Dollars in thousands) Plans Available for Sale Total Three Months Ended June 30, 2023 Balance at March 31, 2023 $ (673) $ (613,111) $ (613,784) Other comprehensive loss before reclassifications — (48,614) (48,614) Amounts reclassified from accumulated other comprehensive loss — — — Net comprehensive loss — (48,614) (48,614) Balance at June 30, 2023 $ (673) $ (661,725) $ (662,398) Three Months Ended June 30, 2022 Balance at March 31, 2022 $ 57 $ (294,013) $ (293,956) Other comprehensive loss before reclassifications — (196,928) (196,928) Amounts reclassified from accumulated other comprehensive loss — — — Net comprehensive loss — (196,928) (196,928) Balance at June 30, 2022 $ 57 $ (490,941) $ (490,884) Six Months Ended June 30, 2023 Balance at December 31, 2022 $ (673) $ (676,415) $ (677,088) Other comprehensive income before reclassifications — 14,723 14,723 Amounts reclassified from accumulated other comprehensive loss — (33) (33) Net comprehensive income — 14,690 14,690 Balance at June 30, 2023 $ (673) $ (661,725) $ (662,398) Six Months Ended June 30, 2022 Balance at December 31, 2021 $ 57 $ (21,203) $ (21,146) Other comprehensive loss before reclassifications — (469,738) (469,738) Amounts reclassified from accumulated other comprehensive loss — — — Net comprehensive loss — (469,738) (469,738) Balance at June 30, 2022 $ 57 $ (490,941) $ (490,884) Amount Reclassified from Accumulated Other Comprehensive Income (Loss) (Dollars in thousands) For the Three Months Ended June 30, For the Six Months Ended June 30, Accumulated Other Comprehensive Income (Loss) Component 2023 2022 2023 2022 Income Statement Line Item Affected Gains on sales of available for sale securities: $ — $ — $ (45) $ — Securities gains, net — — 12 — Provision for income taxes — — (33) — Net income Total reclassifications for the period $ — $ — $ (33) $ —

Derivative Financial Instrument

Derivative Financial Instruments	6 Months Ended
Derivative Financial Instruments	Jun. 30, 2023
Derivative Financial Instruments
Derivative Financial Instruments	Note 17 — Derivative Financial Instruments The Company uses certain derivative instruments to meet the needs of customers as well as to manage the interest rate risk associated with certain transactions. The following table summarizes the derivative financial instruments used by the Company: June 30, 2023 December 31, 2022 Balance Sheet Notional Estimated Fair Value Notional Estimated Fair Value (Dollars in thousands) Location Amount Gain Loss Amount Gain Loss Fair value hedge of interest rate risk: Pay fixed rate swap with counterparty Other Assets $ 12,078 $ 422 $ — $ 12,289 $ 414 $ — Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other Assets and Other Liabilities 10,832,049 16,235 974,495 10,480,171 8,539 1,033,980 Matched interest rate swaps with counterparty Other Assets and Other Liabilities 10,744,034 156,591 54 10,400,733 201,263 — Not designated hedges of interest rate risk – mortgage banking activities: Contracts used to hedge mortgage servicing rights Other Liabilities 63,000 — 1,168 35,000 — 163 Contracts used to hedge mortgage pipeline Other Assets 108,000 1,232 — 51,000 800 — Total derivatives $ 21,759,161 $ 174,480 $ 975,717 $ 20,979,193 $ 211,016 $ 1,034,143 Cash Flow Hedge of Interest Rate Risk The Company is exposed to interest rate risk in the course of its business operations and manages a portion of this risk through the use of derivative financial instruments, in the form of interest rate swaps. We account for interest rate swaps that are classified as cash flow hedges on the balance sheet at fair value. We had no cash flow hedges as of June 30, 2023 and December 31, 2022. For more information regarding the fair value of our derivative financial instruments, see Note 15 — Fair Value to these financial statements. The Company did not maintain any cash flow hedges on the balance sheet throughout the six months ended June 30, 2023 and year ended December 31, 2022 (See Note 16—Accumulated Other Comprehensive Income (Loss) for activity in accumulated comprehensive income (loss) and the amounts reclassified into earnings). With the Company not maintaining any cash flow hedges at June 30, 2023 and December 31, 2022, there was Balance Sheet Fair Value Hedge As of June 30, 2023 and December 31, 2022, the Company maintained loan swaps, with an aggregate notional amount of $12.1 million and $12.3 million, respectively, accounted for as fair value hedges. This derivative protects us from interest rate risk caused by changes in the LIBOR curve in relation to a certain designated fixed rate loan. The derivative converts the fixed rate loan to a floating rate. Settlement occurs in any given period where there is a difference in the stated fixed rate and variable rate and the difference is recorded in net interest income. The fair value of this hedge is recorded in either other assets or in other liabilities depending on the position of the hedge with the offset recorded in loans. Non-designated Hedges of Interest Rate Risk Customer Swap The Company maintains interest rate swap contracts with customers that are classified as non-designated hedges and are not speculative in nature. These agreements are designed to convert customer’s variable rate loans with the Company to fixed rate. These interest rate swaps are executed with loan customers to facilitate a respective risk management strategy and allow the customer to pay a fixed rate of interest to the Company. These interest rate swaps are simultaneously hedged by executing offsetting interest rate swaps with unrelated market counterparties to minimize the net risk exposure to the Company resulting from the transactions and allow the Company to receive a variable rate of interest. The interest rate swaps pay and receive interest based on a floating rate based on one month LIBOR plus credit spread, with payments being calculated on the notional amount. During the second quarter of 2023, the Company transitioned the majority of these interest rate swap contracts to SOFR as the reference rate. For discussion related to reference rate reform, please refer to Accounting Standards Adopted within Note 3— Recent Accounting and Regulatory Pronouncements. The interest rate swaps are settled monthly with varying maturities. The variation margin settlement payment and the related derivative instruments fair value are considered a single unit of account for accounting and financial reporting purposes. Depending on the net position of the swaps with LCH and CME, the fair value, net of the variation margin, is reported in Derivative Assets or Derivative Liabilities on the Consolidated Balance Sheets. In addition, the expense or income attributable to the variation margin for the centrally cleared swaps with LCH and CME is reported in Noninterest Income, specifically within Correspondent and Capital Markets Income. The daily settlement of the derivative exposure does not change or reset the contractual terms of the instrument. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. As of June 30, 2023 and December 31, 2022, the interest rate swaps had an aggregate notional amount of approximately billion, respectively. At June 30, 2023, the fair value of the interest rate swap derivatives are recorded in Other Assets at billion. The fair value of derivative assets at June 30, 2023 was reduced by million in variation margin payments applicable to swaps centrally cleared through LCH and CME. At December 31, 2022, the fair value of the interest rate swap derivatives was recorded in Other Assets at billion. The fair value of derivative assets at December 31, 2022 was reduced by million in variation margin payments applicable to swaps centrally cleared through LCH and CME. All changes in fair value are recorded through earnings within Correspondent and Capital Markets Income, a component of Noninterest Income on the Consolidated Statements of Net Income. There was a net loss of recorded on these derivatives for the three and six months ended June 30, 2023, respectively. There was a net gain of million of cash collateral on the counterparty, which is included in Cash and Cash Equivalents on the Consolidated Balance Sheets as Deposits in Other Financial Institutions (Restricted Cash). We also provided million in investment securities at market value as collateral on the counterparty, which is included in Investment Securities – Available for Sale. Counterparties provided Foreign Exchange The Company may enter into foreign exchange contracts with customers to accommodate their need to convert certain foreign currencies into U.S. Dollars. To offset the foreign exchange risk, the Company may enter into substantially identical agreements with an unrelated market counterparty to hedge these foreign exchange contracts. At June 30, 2023 and December 31, 2022, there were no outstanding contracts or agreements related to foreign currency. If there were foreign currency contracts outstanding at June 30, 2023, the fair value of these contracts would be included in Other Assets and Other Liabilities in the accompanying Consolidated Balance Sheets. All changes in fair value are recorded as other noninterest income. There was Mortgage Banking The Company also has derivatives contracts that are not classified as accounting hedges to mitigate risks related to the Company’s mortgage banking activities. These instruments may include financial forwards, futures contracts, and options written and purchased, which are used to hedge MSRs; while forward sales commitments are typically used to hedge the mortgage pipeline. Such instruments derive their cash flows, and therefore their values, by reference to an underlying instrument, index or referenced interest rate. The Company does not elect hedge accounting treatment for any of these derivative instruments and as a result, changes in fair value of the instruments (both gains and losses) are recorded in the Company’s Consolidated Statements of Net Income in Mortgage Banking Income. Mortgage Servicing Rights (“MSRs”) Derivatives contracts related to MSRs are used to help offset changes in fair value and are written in amounts referred to as notional amounts. Notional amounts provide a basis for calculating payments between counterparties but do not represent amounts to be exchanged between the parties and are not a measure of financial risk. On June 30, 2023, we had derivative financial instruments outstanding with notional amounts totaling 31, 2022. The estimated net fair value of the open contracts related to the MSRs was recorded as a loss of Mortgage Pipeline The following table presents our notional value of forward sale commitments and the fair value of those obligations along with the fair value of the mortgage pipeline related to the held for sale portfolio: (Dollars in thousands) June 30, 2023 December 31, 2022 Mortgage loan pipeline $ 99,826 $ 40,850 Expected closures 89,037 37,210 Fair value of mortgage loan pipeline commitments 909 524 Forward sales commitments 108,000 51,000 Fair value of forward commitments 323 276

Capital Ratios

Capital Ratios	6 Months Ended
Capital Ratios	Jun. 30, 2023
Capital Ratios
Capital Ratios	Note 18 — Capital Ratios The Company is subject to regulations with respect to certain risk-based capital ratios. These risk-based capital ratios measure the relationship of capital to a combination of balance sheet and off-balance sheet risks. The values of both balance sheet and off-balance sheet items are adjusted based on the rules to reflect categorical credit risk. In addition to the risk-based capital ratios, the regulatory agencies have also established a leverage ratio for assessing capital adequacy. The leverage ratio is equal to Tier 1 capital divided by total consolidated on-balance sheet assets (minus amounts deducted from Tier 1 capital). The leverage ratio does not involve assigning risk weights to assets. Under current regulations, the Company and the Bank are subject to a minimum ratio of common equity Tier 1 capital (“CET1”) to risk-weighted assets of 4.5% and a minimum required ratio of Tier 1 capital to risk-weighted assets of 6% . The minimum required leverage ratio is . The minimum required total capital to risk-weighted assets ratio is In order to avoid restrictions on capital distributions and discretionary bonus payments to executives, under the new rules a covered banking organization is also required to maintain a “capital conservation buffer” in addition to its minimum risk-based capital requirements. This buffer is required to consist solely of CET1, and the buffer applies to all three risk-based measurements (CET1, Tier 1 capital and total capital). The capital conservation buffer became fully phased-in on January 1, 2019 and consists of an additional amount of Tier 1 common equity equal to The Bank is also subject to the regulatory framework for prompt corrective action, which identifies five capital categories for insured depository institutions (well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized) and is based on specified thresholds for each of the three risk-based regulatory capital ratios (CET1, Tier 1 capital and total capital) and for the leverage ratio. The following table presents actual and required capital ratios as of June 30, 2023 and December 31, 2022 for the Company and the Bank under the current capital rules. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations. Required to be Minimum Capital Considered Well Actual Required – Basel III Capitalized (Dollars in thousands) Amount Ratio Capital Amount Ratio Capital Amount Ratio June 30, 2023: Common equity Tier 1 to risk-weighted assets: Consolidated $ 3,988,474 11.25 % $ 2,481,341 7.00 % $ 2,304,102 6.50 % SouthState Bank (the Bank) 4,263,578 12.04 % 2,478,512 7.00 % 2,301,475 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 3,988,474 11.25 % 3,013,057 8.50 % 2,835,818 8.00 % SouthState Bank (the Bank) 4,263,578 12.04 % 3,009,621 8.50 % 2,832,585 8.00 % Total capital to risk-weighted assets: Consolidated 4,779,816 13.48 % 3,722,011 10.50 % 3,544,772 10.00 % SouthState Bank (the Bank) 4,664,919 13.18 % 3,717,767 10.50 % 3,540,731 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 3,988,474 9.17 % 1,739,845 4.00 % 2,174,806 5.00 % SouthState Bank (the Bank) 4,263,578 9.81 % 1,739,082 4.00 % 2,173,853 5.00 % December 31, 2022: Common equity Tier 1 to risk-weighted assets: Consolidated $ 3,788,106 10.96 % $ 2,420,417 7.00 % $ 2,247,530 6.50 % SouthState Bank (the Bank) 4,074,045 11.80 % 2,417,133 7.00 % 2,244,481 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 3,788,106 10.96 % 2,939,077 8.50 % 2,766,190 8.00 % SouthState Bank (the Bank) 4,074,045 11.80 % 2,935,090 8.50 % 2,762,438 8.00 % Total capital to risk-weighted assets: Consolidated 4,485,397 12.97 % 3,630,625 10.50 % 3,457,738 10.00 % SouthState Bank (the Bank) 4,381,336 12.69 % 3,625,700 10.50 % 3,453,047 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 3,788,106 8.72 % 1,736,991 4.00 % 2,171,239 5.00 % SouthState Bank (the Bank) 4,074,045 9.39 % 1,736,330 4.00 % 2,170,412 5.00 % As of June 30, 2023 and December 31, 2022, the capital ratios of the Company and the Bank were well in excess of the minimum regulatory requirements and exceeded the thresholds for the “well capitalized” regulatory classification. In accordance with ASU No. 2016-13, the Company applied the provisions of the standard using the modified retrospective method as a cumulative-effect adjustment to retained earnings. Related to the implementation of ASU 2016-13, the Company recorded additional allowance for credit losses for loans of million. Instead of recognizing the effects from ASU 2016-13 at adoption, the standard included a transitional method option for recognizing the adoption date effects on the Company’s regulatory capital calculations over a three-year phase-in. In March 2020, in response to the COVID-19 pandemic, the regulatory agencies provided an additional transitional method option of a two-year deferral for the start of the three-year phase-in of the recognition of the adoption date effects of ASU 2016-13 along with an option to defer the current impact on regulatory capital calculations of ASU 2016-13 during the first two years (“5-year method”). Under this 5-year method, the Company would recognize an estimate of the previous incurred loss method for determining the allowance for credit losses in regulatory capital calculations and the difference from the CECL method would be deferred for two years. After two years, the effects from adoption date and the deferral difference from the first two years of applying CECL would be phased-in over three years using the straight-line method. The regulatory rules provided a one-time opportunity at the end of the first quarter of 2020 for covered banking organizations to choose its transition option for CECL. The Company chose the 5-year method and is deferring the recognition of the effects from adoption date and the CECL difference from the first two years of application. This amount was fixed as of December 31, 2021, and that amount began the three-year phase out in the first quarter of 2022 with .

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	6 Months Ended
Goodwill and Other Intangible Assets	Jun. 30, 2023
Goodwill and Other Intangible Assets
Goodwill and Other Intangible Assets	Note 19 — Goodwill and Other Intangible Assets The carrying amount of goodwill was $1.9 billion at June 30, 2023 31, 2022. The Company’s other intangible assets, consisting of core deposit intangibles, noncompete intangibles, and client list intangibles are included on the face of the balance sheet. The Company last completed its annual valuation of the carrying value of its goodwill as of October 31, 2022 and determined there was no goodwill impairment. In between annual impairment analyses, we monitor for any triggering events that may impact the Company’s goodwill The following is a summary of gross carrying amounts and accumulated amortization of other intangible assets: June 30, December 31, (Dollars in thousands) 2023 2022 Gross carrying amount $ 275,002 $ 274,869 Accumulated amortization (172,746) (158,419) $ 102,256 $ 116,450 Amortization expense totaled $7.0 million and $14.3 million, for the three and six months ended June 30, 2023, compared to $8.8 million and $17.3 million for the three and six months ended June 30, 2022. Other intangibles are amortized using either the straight-line method or an accelerated basis over their estimated useful lives, with lives generally between two In early 2022 and in connection with the SBA servicing asset acquired through the Atlantic Capital acquisition, which was recorded at fair value on acquisition date, the Company elected to prospectively apply fair value accounting to the Company’s SBA servicing asset. The change in fair value of the SBA servicing asset is recorded in SBA Income, a component of Noninterest Income on the Consolidated Statements of Income, during each applicable reporting period. As a result of the change in accounting treatment, the Company will no longer amortize the SBA servicing asset and therefore excluded the SBA servicing asset from the future amortization expense table presented below. The fair value of the SBA servicing asset was $6.2 million and $6.1 million, respectively million, at June 30, 2023 and December 31, 2022. Estimated amortization expense for other intangibles, excluding the SBA servicing assets, for each of the next five quarters and thereafter is as follows: (Dollars in thousands) Quarter ending: September 30, 2023 $ 6,615 December 31, 2023 6,615 March 31, 2024 6,003 June 30, 2024 5,739 September 30, 2024 5,327 Thereafter 65,756 $ 96,055

Mortgage Loan Servicing, Origin

Mortgage Loan Servicing, Origination, and Loans Held for Sale	6 Months Ended
	Jun. 30, 2023
Mortgage Loan Servicing, Origination, and Loans Held for Sale
Mortgage Loan Servicing, Origination, and Loans Held for Sale	Note 20 — Mortgage Loan Servicing, Origination, and Loans Held for Sale The portfolio of residential mortgages serviced for others, which is not included in the accompanying Consolidated Balance Sheets the portfolio of residential mortgages serviced for others, was $6.6 billion, as of June 30, 2023 and December 31, 2022. Servicing loans for others generally consists of collecting mortgage payments, maintaining escrow accounts and disbursing payments to investors. The amount of contractually specified servicing fees we earned during the three and six months ended June 30, 2023 and June 30, 2022 were million, respectively. Servicing fees are recorded in At June 30, 2023 and December 31, 2022, MSRs were $87.5 million and $86.6 million on our Consolidated Balance Sheets, respectively. MSRs are recorded at fair value with changes in fair value recorded as a component of Mortgage Banking Income in the Consolidated Statements of Net Income. The market value adjustments related to MSRs recorded in Mortgage Banking Income for the three and six months ended June 30, 2023 and June 30, 2022 were gains of million, respectively. The Company has used various free standing derivative instruments to mitigate the income statement effect of changes in fair value resulting from changes in market value adjustments, in addition to changes in valuation inputs and assumptions related to MSRs. See Note 15 — Fair Value for the changes in fair value of MSRs. The following table presents the changes in the fair value of the MSR and offsetting hedge. Three Months Ended Six Months Ended (Dollars in thousands) June 30, 2023 June 30, 2022 June 30, 2023 June 30, 2022 Increase in fair value of MSRs $ 1,977 $ 2,786 $ 688 $ 15,613 Decay of MSRs (2,385) (3,292) (3,793) (5,521) Loss related to derivatives (2,264) (2,553) (2,119) (14,391) Net effect on Consolidated Statements of Net Income $ (2,672) $ (3,059) $ (5,224) $ (4,299) The fair value of MSRs is highly sensitive to changes in assumptions and is determined by estimating the present value of the asset’s future cash flows utilizing market-based prepayment rates, discount rates and other assumptions validated through comparison to trade information, industry surveys and with the use of independent third-party appraisals. Changes in prepayment speed assumptions have the most significant impact on the fair value of MSRs. Generally, as interest rates decline, mortgage loan prepayments accelerate due to increased refinance activity, which results in a decrease in the fair value of the MSR. Measurement of fair value is limited to the conditions existing and the assumptions utilized as of a particular point in time, and those assumptions may not be appropriate if applied at a different time. See Note 15 — Fair Value for additional information regarding fair value. The characteristics and sensitivity analysis of the MSRs are included in the following table: June 30, December 31, (Dollars in thousands) 2023 2022 Composition of residential loans serviced for others Fixed-rate mortgage loans 100.0 % 100.0 % Adjustable-rate mortgage loans — % — % Total 100.0 % 100.0 % Weighted average life 8.24 years 8.37 years Constant Prepayment rate (CPR) 6.6 % 6.4 % Weighted average discount rate 10.3 % 10.0 % Effect on fair value due to change in interest rates 25 basis point increase $ 866 $ 774 50 basis point increase 1,571 1,428 25 basis point decrease (1,029) (902) 50 basis point decrease (2,203) (1,938) The sensitivity calculations above are hypothetical and should not be considered predictive of future performance. Changes in fair value based on adverse changes in assumptions generally cannot be extrapolated because the relationship of the changes in assumptions to fair value may not be linear. The effects of an adverse variation in a particular assumption on the fair value of the MSRs as disclosed in the table above is calculated without changing any other assumptions. In reality, changes in one factor may result in adjusting other factors, which may magnify or contract the effects of the change. Whole loan sales were $249.3 million and $408.7 million for the three and six months ended June 30, 2023, compared to $449.9 million and $1.2 billion for the three and six months ended June 30, 2022. For the three and six months ended June 30, 2023, The Company retains no beneficial interests in these sales, but may retain the servicing rights for the loans sold. The risks related to the sold loans with the retained servicing rights due to a representation or warranty violation such as noncompliance with eligibility or servicing requirements, or customer fraud, that should have been identified in a loan file review are disclosed in Note 1 — Summary of Significant Accounting Policies, under the “Loans Held for Sale” section, of the Company’s Annual Report on Form 10-K for the year ended December 31, 2022. The Company is obligated to subsequently repurchase a loan if such representation or warranty violation is identified by the purchaser. The aggregated principal balances of loans repurchased for the six months ended June 30, 2023 and 2022 were Loans held for sale have historically been comprised of residential mortgage loans awaiting sale in the secondary market, which generally settle in 15 to 45 days . Loans held for sale were 31, 2022, respectively. Please see Note 15 — Fair Value, under the “Fair Value Option”, section in this Quarterly Report on Form 10-Q for summary of the fair value and the unpaid principal balance of loans held for sale and the changes in fair value of these loans.

Short-Term Borrowings

Short-Term Borrowings	6 Months Ended
Short-Term Borrowings	Jun. 30, 2023
Short-Term Borrowings
Short-Term Borrowings	Note 21 — Short-Term Borrowings Securities Sold Under Agreements to Repurchase (“Repurchase agreements”) Repurchase agreements represent funds received from customers, generally on an overnight or continuous basis, which are collateralized by investment securities owned or, at times, borrowed and re-hypothecated by the Company. Repurchase agreements are subject to terms and conditions of the master repurchase agreements between the Company and the client and are accounted for as secured borrowings. Repurchase agreements are included in federal funds purchased and securities sold under agreements to repurchase on the consolidated balance sheets. At June 30, 2023 and December 31, 2022, our repurchase agreements totaled million, respectively. All of our repurchase agreements were overnight or continuous (until-further-notice) agreements at June 30, 2023 and December 31, 2022. These borrowings were collateralized with government, government-sponsored enterprise, or state and political subdivision-issued securities with a market value of 31, 2022, respectively. Declines in the value of the collateral would require us to increase the amounts of securities pledged. Federal Funds Purchased Federal funds purchased are generally overnight daily borrowings with no defined maturity date. At June 30, 2023 and December 31, 2022, our federal funds purchased totaled Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”) Borrowing The Company has from time-to-time entered into borrowing agreements with the FHLB and FRB. Borrowings under these agreements are collateralized by stock in the FHLB, qualifying first and second mortgage residential loans, investment securities, and commercial real estate loans under a blanket-floating lien. As of June 30, 2023, the Company had $400.0 million in outstanding FHLB borrowings with a weighted average interest rate of 5.32% . As of December 31, 2022, there were outstanding FHLB borrowings. Net eligible loans of the Company pledged via a blanket lien to the FHLB for advances and letters of credit at June 30, 2023, were approximately million in collateral value. This allows the Company a total borrowing capacity at the FHLB of approximately billion. After accounting for letters of credit totaling billion at June 30, 2023. The Company also has a total borrowing capacity at the FRB of June 30, 2023 billion in collateral value in net eligible loans of the Company. The Company had

Stock Repurchase Program

Stock Repurchase Program	6 Months Ended
Stock Repurchase Program	Jun. 30, 2023
Stock Repurchase Program
Stock Repurchase Program	Note 22 — Stock Repurchase Program On April 27, 2022, the Company’s Board of Directors approved a stock repurchase program (“2022 Stock Repurchase Program”) authorizing the Company to repurchase up to 3,750,000 of the Company’s common shares along with the remaining authorized shares of 370,021 from the Company’s 2021 stock repurchase program (“2021 Stock Repurchase Plan”) for a total authorization of 4,120,021 shares. The Company did . During the six months ended June 30, 2022, before the approval of the 2022 Stock Repurchase Program, the Company repurchased a total of .

Subsequent Events

Subsequent Events	6 Months Ended
Subsequent Events	Jun. 30, 2023
Subsequent Events
Subsequent Events	Note 23 — Subsequent Events On July 27, 2023, the Company announced that the Board of Directors of the Company increased its quarterly cash dividend on its common stock from $0.50 per share to $0.52 per share. The dividend is payable on August 18, 2023 to shareholders of record as of August 11, 2023.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	6 Months Ended
Summary of Significant Accounting Policies (Policies)	Jun. 30, 2023
Summary of Significant Accounting Policies
Loans	Loans Loans that management has originated and has the intent and ability to hold for the foreseeable future or until maturity or pay off generally are reported at their unpaid principal balances, less unearned income and net of any deferred loan fees and costs, including unamortized fair value discount or premium. Unearned income on installment loans is recognized as income over the terms of the loans by methods that generally approximate the interest method. Interest on other loans is calculated by using the simple interest method on daily balances of the principal amount outstanding. If the loan is prepaid, the remaining unamortized fees and costs are charged or credited to interest income. Amortization ceases for non-accrual loans. We place non-acquired loans and acquired loans on nonaccrual once reasonable doubt exists about the collectability of all principal and interest due. Generally, this occurs when principal or interest is 90 days or more past due, unless the loan is well secured and in the process of collection, and excludes factored receivables. For factored receivables, which are commercial trade credits rather than promissory notes, the Company’s practice, in most cases, is to charge-off unpaid recourse receivables when they become 90 days past due from the invoice due date and the non-recourse receivables when they become 120 days past due from the statement due date. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on non-accrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. million. Large pools of homogeneous loans are collectively evaluated for loss and reserved at the pool level. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as nonaccrual, provided that management expects to collect all amounts due, including interest accrued at the contractual interest rate for the period of delay.
Allowance for Credit Losses ("ACL")	Allowance for Credit Losses (“ACL”) – Investment Securities Management monitors the held to maturity portfolio to determine whether a valuation account should be recorded. Management evaluates impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value at least quarterly, and more frequently when economic or market concerns warrant such evaluation. The Company’s methodology on how ACL is calculated is disclosed in Note 1 — Summary of Significant Accounting Policies, under the “ACL – Investment Securities” section, of our Annual Report on Form 10-K for the year ended December 31, 2022. As of June 30, 2023 and December 31, 2022, the Company had The Company follows its nonaccrual policy by reversing interest income in the income statement when the Company determines the interest for held to maturity securities is uncollectible. Therefore, management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the investment securities and does not record an allowance for credit losses on accrued interest receivable. As of June 30, 2023 and December 31, 2022, the accrued interest receivables for all investment securities recorded in Other Assets were ACL – Loans and Certain Off-Balance-Sheet Credit Exposures The ACL for loans held for investment reflects management’s estimate of credit losses that will result from the inability of our borrowers to make required loan payments. The Company makes adjustments to the ACL by recording a provision for or recovery of credit losses through earnings. Loans charged off are recorded as reductions to the ACL on the balance sheet and subsequent recoveries of loan charge-offs are recorded as increases to the ACL when they are received. Management uses systematic methodologies to determine its ACL for loans held for investment and certain off-balance-sheet credit exposures. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the loan portfolio. Management considers the effects of past events, current conditions, and reasonable and supportable forecasts on the collectability of the loan portfolio. The Company’s estimate of its ACL involves a high degree of judgment; therefore, management’s process for determining expected credit losses may result in a range of expected credit losses. The Company’s ACL recorded in the balance sheet reflects management’s best estimate within the range of expected credit losses. The Company recognizes in net income the amount needed to adjust the ACL for management’s current estimate of expected credit losses. The Company’s ACL is calculated using collectively evaluated and individually evaluated loans. The Company’s methodology on how ACL is calculated is disclosed in Note 1 — Summary of Significant Accounting Policies, under the “ACL – Loans” section, of our Annual Report on Form 10-K for the year ended December 31, 2022. Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures , prospectively that requires the eliminates designation of loans as TDRs. Management measures expected credit losses over the contractual term of a loan. When determining the contractual term, the Company considers expected prepayments but is precluded from considering expected extensions, renewals, or modifications. Longstanding TDR accounting rules were replaced as of January 1, 2023 with ASU No. 2022-02, Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures (See Note 3 Recent Accounting and Regulatory Pronouncements). In accordance with the adoption of ASU 2022-02, any loans modified to a borrower experiencing financial difficulty are reviewed by the Bank to determine if an interest rate reduction, a term extension, an other-than-insignificant payment delay, a principal forgiveness, or any combination of these has occurred. Effective January 1, 2023, the ACL includes expected losses from modifications of receivables to borrowers experiencing financial difficulty. Losses on modifications of loans over million to borrowers experiencing financial difficulty are estimated on an individual basis. Because the effect of the remainder of modifications made to borrowers experiencing financial difficulty is already incorporated into the measurement methodologies used to estimate the allowance, they are accounted for as pooled loans. The effects of reasonably expected TDRs are no longer considered in the measurement of expected credit losses. Prior to the adoption of ASU No. 2022-02, when determining the contractual term, the Company considered expected prepayments but was precluded from considering expected extensions, renewals, or modifications, unless the Company reasonably expected it would execute a TDR with a borrower. In the event of a reasonably expected TDR, the Company factored the reasonably-expected TDR into the expected credit losses estimate. For consumer loans, the point at which a TDR was reasonably expected was when the Company approved the borrower’s application for a modification (i.e., the borrower qualifies for the TDR) or when the Credit Administration department approved loan concessions on substandard loans. For commercial loans, the point at which a TDR was reasonably expected was when the Company approved the loan for modification or when the Credit Administration department approved loan concessions on substandard loans. The Company used a discounted cash flow methodology for a TDR to calculate the effect of the concession provided to the borrower within the ACL. For purchased credit-deteriorated, otherwise referred to herein as PCD, assets are defined as acquired individual financial assets (or acquired groups of financial assets with similar risk characteristics) that, as of the date of acquisition, have experienced a more-than-insignificant deterioration in credit quality since origination, as determined by the Company’s assessment. The Company records acquired PCD loans by adding the expected credit losses (i.e., allowance for credit losses) to the purchase price of the financial assets rather than recording through the provision for credit losses in the income statement. The expected credit loss, as of the acquisition day, of a PCD loan is added to the allowance for credit losses. The non-credit discount or premium is the difference between the unpaid principal balance and the amortized cost basis as of the acquisition date. Subsequent to the acquisition date, the change in the ACL on PCD loans is recognized through the Provision for Credit Losses in the Consolidated Statements of Net Income. The non-credit discount or premium is accreted or amortized, respectively, into interest income over the remaining life of the PCD loan on a level-yield basis. The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Therefore, management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the portfolio and does not record an allowance for credit losses on accrued interest receivable. As of June 30, 2023 and December 31, 2022, the accrued interest receivables for loans recorded in The Company has a variety of assets that have a component that qualifies as an off-balance sheet exposure. These primarily include undrawn portions of revolving lines of credit and standby letters of credit. The expected losses associated with these exposures within the unfunded portion of the expected credit loss are recorded as a liability on the balance sheet. Management has determined that a majority of the Company’s off-balance sheet credit exposures are not unconditionally cancellable. Management completes funding studies based on historical data to estimate the percentage of unfunded loan commitments that will ultimately be funded to calculate the reserve for unfunded commitments. Management applies this funding rate, along with the loss factor rate determined for each pooled loan segment, to unfunded loan commitments, excluding unconditionally cancellable exposures and letters of credit, to arrive at the reserve for unfunded loan commitments. As of June 30, 2023 and December 31, 2022, the liabilities recorded for expected credit losses on unfunded commitments were million, respectively.
Reclassification and Correction	Reclassification and Correction Certain amounts previously reported have been reclassified to conform to the current quarter’s presentation. Such reclassifications had no effect on net income and shareholders’ equity. During 2022, the Company determined the variation margin payments for its interest rate swaps centrally cleared through London Clearing House (“LCH”) and Chicago Mercantile Exchange (“CME”) meet the legal characteristics of daily settlements of the derivatives (settle-to-market) rather than collateral (collateralize-to-market). As a result, the variation margin payment and the related derivative instruments centrally cleared through LCH and CME are considered a single unit of account for accounting and financial reporting purposes. Depending on the net position, the fair value is reported in Derivative Assets or Derivative Liabilities on the Consolidated Balance Sheets, as opposed to interest-earning deposits (restricted cash) within Cash and Cash Equivalents or interest-bearing deposits within Total Deposits. In addition, the expense or income attributable to the variation margin payments for the centrally cleared swaps is reported in Noninterest Income, specifically within Correspondent and Capital Markets Income, as opposed to Interest Income or Interest Expense. The daily settlement of the derivative exposure does not change or reset the contractual terms of the instrument. As a result of the correction from collateralize-to-market accounting treatment previously applied by the Company to settle-to-market accounting treatment, the prior periods presented herein have been corrected, for what management has concluded to be an immaterial correction. The table below discloses the net change (increase or (decrease)) included in all the Consolidated Statements of Net Income line items in this Form 10-Q, as a result of the change in accounting treatment. There was no impact to Net Income or Shareholders’ Equity as previously reported. (Dollars in thousands) Three Months Ended Six Months Ended INCOME STATEMENT June 30, 2022 June 30, 2022 Interest income: Effect to interest income on federal funds sold and interest-earning deposits with banks $ 674 $ 681 Net effect to interest income 674 681 Effect to interest expense on deposits (862) (898) Net effect to interest expense (862) (898) Net effect to net interest income $ 1,536 $ 1,579 Noninterest Income: Effect to correspondent banking and capital market income $ (1,536) $ (1,579) Net effect to noninterest income $ (1,536) $ (1,579) Net effect to net income $ — $ —

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	6 Months Ended
Summary of Significant Accounting Policies (Tables)	Jun. 30, 2023
Summary of Significant Accounting Policies
Net Changes Included in the Consolidated Statements of Income	(Dollars in thousands) Three Months Ended Six Months Ended INCOME STATEMENT June 30, 2022 June 30, 2022 Interest income: Effect to interest income on federal funds sold and interest-earning deposits with banks $ 674 $ 681 Net effect to interest income 674 681 Effect to interest expense on deposits (862) (898) Net effect to interest expense (862) (898) Net effect to net interest income $ 1,536 $ 1,579 Noninterest Income: Effect to correspondent banking and capital market income $ (1,536) $ (1,579) Net effect to noninterest income $ (1,536) $ (1,579) Net effect to net income $ — $ —

Mergers and Acquisitions (Table

Mergers and Acquisitions (Tables)	6 Months Ended
Mergers and Acquisitions (Tables)	Jun. 30, 2023
Atlantic Capital
Mergers and Acquisitions
Schedule of assets acquired, liabilities assumed, and fair value of total consideration transferred	Initial Subsequent As Recorded Fair Value Fair Value As Recorded by (Dollars in thousands) by Atlantic Capital Adjustments Adjustments the Company Assets Cash and cash equivalents $ 250,134 $ 24 (a) $ — $ 250,158 Investment securities 717,332 (13,622) (b) — 703,710 Loans, net of allowance and mark 2,394,256 (18,964) (c) (5,614) (c) 2,369,678 Premises and equipment 16,892 2,608 (d) — 19,500 Intangible assets 22,572 (1,781) (e) — 20,791 Bank owned life insurance 74,613 — — 74,613 Deferred tax asset 30,231 2,273 (f) (1,025) (f) 31,479 Other assets 45,274 (1,277) (g) 7,557 (g) 51,554 Total assets $ 3,551,304 $ (30,739) $ 918 $ 3,521,483 Liabilities Deposits: Noninterest-bearing $ 1,411,671 $ — $ — $ 1,411,671 Interest-bearing 1,616,970 — — 1,616,970 Total deposits 3,028,641 — — 3,028,641 Federal funds purchased and securities sold under agreements to repurchase 50,000 — — 50,000 Other borrowings 74,131 4,286 (h) — 78,417 Other liabilities 50,711 (2,075) (i) — 48,636 Total liabilities 3,203,483 2,211 — 3,205,694 Net identifiable assets acquired over (under) liabilities assumed 347,821 (32,950) 918 315,789 Goodwill — 342,939 (918) 342,021 Net assets acquired over liabilities assumed $ 347,821 $ 309,989 $ — $ 657,810 Consideration: SouthState Corporation common shares issued 7,330,803 Purchase price per share of the Company's common stock $ 90.00 Company common stock issued ($659,772) and cash exchanged for fractional shares ($19) $ 659,791 Stock option conversion 1,135 Restricted stock unit conversion 2,870 Restricted stock awards conversion (unvested awards) (5,986) Fair value of total consideration transferred $ 657,810 Explanation of fair value adjustments (a)— Represents an adjustment to record time deposits with financial institutions at fair value (premium). (b)— Represents the reversal of Atlantic Capital's existing fair value adjustments of $17.2 million and the adjustment to record securities at fair value (discount) totaling $30.9 million (includes reclassification of all securities held as HTM to AFS totaling $237.6 million). (c)— Represents approximately 1.40%, or $34.0 million, net credit discount of the loan portfolio and 2.24% total net discount, or $54.3 million, including non-credit discount, based on a third-party valuation. Also, includes a reversal of Atlantic Capital's ending ACL of (d)— Represents the preliminary fair value adjustments of $2.6 million on fixed assets and leased assets. (e)— Represents approximately $17.5 million, or 0.63%, of CDI amount and $3.2 million for SBA servicing asset based on a third-party valuation. Atlantic Capital’s pre-merger goodwill and servicing asset of $19.9 million and $2.6 million, respectively, were written-off. (f)— Represents deferred tax asset related to fair value adjustments with marginal tax rate of 23.9%, which includes an adjustment from Atlantic Capital’s effective tax rate to the Company’s effective tax rate. The difference in effective tax rates relates to state income taxes. (g)— Represents the fair value adjustment (decrease) for low-income housing investments of $1.1 million, write-off of prepaid assets of $233,000, adjustments to receivables of $154,000 and fair value adjustment for Small Business Investment Company (“SBIC”) investments of $7.4 million. (h)— Represents the reversal of the existing Atlantic Capital’s issuance costs on subordinated debt of $0.9 million and recording the fair value adjustment (premium) of $3.4 million, based on a third-party valuation. (i)— Represents the reversal of $2.8 million of unfunded commitment liability at purchase date and the fair value adjustment to increase lease liabilities associated with rental facilities totaling $1.4 million. Also includes the reversal of uncertain tax liability of $0.7 million.

Investment Securities (Tables)

Investment Securities (Tables)	6 Months Ended
Investment Securities (Tables)	Jun. 30, 2023
Investment Securities
Schedule of amortized cost and fair value of investment securities held to maturity	Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value June 30, 2023: U.S. Government agencies $ 197,265 $ — $ (29,352) $ 167,913 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,514,472 — (253,666) 1,260,806 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 460,574 — (72,157) 388,417 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 357,815 — (73,410) 284,405 Small Business Administration loan-backed securities 55,029 — (12,056) 42,973 $ 2,585,155 $ — $ (440,641) $ 2,144,514 December 31, 2022: U.S. Government agencies $ 197,262 $ — $ (29,787) $ 167,475 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,591,646 — (255,093) 1,336,553 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 474,660 — (69,664) 404,996 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 362,586 — (66,304) 296,282 Small Business Administration loan-backed securities 57,087 — (12,225) 44,862 $ 2,683,241 $ — $ (433,073) $ 2,250,168
Schedule of amortized cost and fair value of investment securities available for sale	Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value June 30, 2023: U.S. Treasuries $ 223,658 $ — $ (3,745) $ 219,913 U.S. Government agencies 246,030 — (27,685) 218,345 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,903,472 — (299,102) 1,604,370 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 666,198 — (106,422) 559,776 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,173,907 — (211,413) 962,494 State and municipal obligations 1,135,189 3 (180,737) 954,455 Small Business Administration loan-backed securities 451,564 157 (47,162) 404,559 Corporate securities 30,558 — (5,136) 25,422 $ 5,830,576 $ 160 $ (881,402) $ 4,949,334 December 31, 2022: U.S. Treasuries $ 272,416 $ — $ (6,778) $ 265,638 U.S. Government agencies 245,972 — (26,884) 219,088 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,996,405 — (298,052) 1,698,353 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 708,337 — (107,292) 601,045 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,196,700 2,542 (198,844) 1,000,398 State and municipal obligations 1,269,525 1,210 (205,883) 1,064,852 Small Business Administration loan-backed securities 491,203 302 (46,695) 444,810 Corporate securities 35,583 — (2,945) 32,638 $ 6,216,141 $ 4,054 $ (893,373) $ 5,326,822
Schedule of amortized cost and carrying value of other investment securities	Carrying (Dollars in thousands) Value June 30, 2023: Federal Home Loan Bank stock $ 32,085 Federal Reserve Bank stock 150,261 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 10,819 $ 196,728 December 31, 2022: Federal Home Loan Bank stock $ 15,085 Federal Reserve Bank stock 150,261 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 10,808 $ 179,717
Schedule of amortized cost and fair value of debt and equity securities by contractual maturity	Securities Securities Held to Maturity Available for Sale Amortized Fair Amortized Fair (Dollars in thousands) Cost Value Cost Value Due in one year or less $ 50,000 $ 48,185 $ 231,970 $ 228,385 Due after one year through five years 51,034 45,228 301,127 283,616 Due after five years through ten years 369,168 320,965 1,263,193 1,075,431 Due after ten years 2,114,953 1,730,136 4,034,286 3,361,902 $ 2,585,155 $ 2,144,514 $ 5,830,576 $ 4,949,334
Schedule of securities with gross unrealized losses, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position	Less Than Twelve Months Twelve Months or More Gross Unrealized Fair Gross Unrealized Fair (Dollars in thousands) Losses Value Losses Value June 30, 2023: Securities Held to Maturity U.S. Government agencies $ — $ — $ 29,352 $ 167,913 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 253,666 1,260,806 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 1,549 44,665 70,608 343,752 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 73,410 284,405 Small Business Administration loan-backed securities — — 12,056 42,973 $ 1,549 $ 44,665 $ 439,092 $ 2,099,849 Securities Available for Sale U.S. Treasuries $ — $ — $ 3,745 $ 219,913 U.S. Government agencies 560 24,440 27,126 193,905 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,252 29,385 297,850 1,574,985 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 3,230 53,808 103,192 505,968 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 7,479 71,072 203,933 891,422 State and municipal obligations 1,400 32,141 179,337 919,535 Small Business Administration loan-backed securities 240 93,998 46,922 283,088 Corporate securities 1,059 5,439 4,077 19,983 $ 15,220 $ 310,283 $ 866,182 $ 4,608,799 December 31, 2022: Securities Held to Maturity U.S. Government agencies $ 5,514 $ 78,833 $ 24,273 $ 88,642 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 65,181 513,086 189,912 823,467 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 30,284 277,868 39,380 127,128 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 14,318 82,895 51,986 213,387 Small Business Administration loan-backed securities — — 12,225 44,862 $ 115,297 $ 952,682 $ 317,776 $ 1,297,486 Securities Available for Sale U.S. Treasuries $ 6,778 $ 265,638 $ — $ — U.S. Government agencies 8,193 138,807 18,691 80,281 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 42,767 459,773 255,285 1,238,580 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 21,450 274,082 85,842 326,963 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 17,156 206,228 181,688 767,002 State and municipal obligations 97,084 616,631 108,799 391,848 Small Business Administration loan-backed securities 2,152 92,535 44,543 264,933 Corporate securities 2,209 28,374 736 4,264 $ 197,789 $ 2,082,068 $ 695,584 $ 3,073,871
Schedule of trading securities	June 30, December 31, (Dollars in thousands) 2023 2022 U.S. Government agencies $ 11,049 $ 11,190 Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises 8,265 — Other residential mortgage issued or guaranteed by U.S. government agencies or sponsored enterprises 3,645 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 11,705 4,589 State and municipal obligations 20,298 13,993 Other debt securities 1,618 1,491 $ 56,580 $ 31,263
Summary of net gains (losses) on trading securities	Three Months Ended June 30, Six Months Ended June 30, (Dollars in thousands) 2023 2022 2023 2022 Net gains (losses) on sales transaction $ 7 $ (380) $ (40) $ (1,620) Net mark to mark losses (195) (458) (201) (2,434) Net losses on trading securities $ (188) $ (838) $ (241) $ (4,054)

Loans (Tables)

Loans (Tables)	6 Months Ended
Loans (Tables)	Jun. 30, 2023
Summary of Loans
Summary of loans	The following is a summary of total loans: June 30, December 31, (Dollars in thousands) 2023 2022 Loans: Construction and land development (1) $ 2,817,125 $ 2,860,360 Commercial non-owner occupied 8,476,236 8,072,959 Commercial owner occupied real estate 5,585,951 5,460,193 Consumer owner occupied (2) 5,927,781 5,162,042 Home equity loans 1,347,714 1,313,168 Commercial and industrial 5,378,294 5,313,483 Other income producing property 711,712 696,242 Consumer 1,285,478 1,278,426 Other loans 6,494 20,989 Total loans 31,536,785 30,177,862 Less allowance for credit losses (427,392) (356,444) Loans, net $ 31,109,393 $ 29,821,418 (1) Construction and land development includes loans for both commercial construction and development, as well as loans for 1-4 family construction and lot loans. (2) Consumer owner occupied real estate includes loans on both 1-4 family owner occupied property, as well as loans collateralized by 1-4 family owner occupied property with a business intent.
Schedule of purchased loans through acquisition	(Dollars in thousands) March 1, 2022 Book value of acquired loans at acquisition $ 137,874 Allowance for credit losses at acquisition (13,758) Non-credit discount at acquisition (5,943) Carrying value or book value of acquired loans at acquisition $ 118,173
Schedule of credit risk profile by risk grade of loans	The following tables present the credit risk profile by risk grade of commercial loans by origination year as of June 30, 2023 and December 31, 2022: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of June 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Construction and land development Risk rating: Pass $ 218,442 $ 922,947 $ 564,722 $ 50,133 $ 13,914 $ 30,228 $ 63,747 $ 1,864,133 Special mention — 10,424 1,162 13 — 490 — 12,089 Substandard 1,654 1,364 — 253 1,312 7,936 — 12,519 Doubtful — — — — — 5 — 5 Total Construction and land development $ 220,096 $ 934,735 $ 565,884 $ 50,399 $ 15,226 $ 38,659 $ 63,747 $ 1,888,746 Construction and land development Current-period gross charge-offs $ — $ — $ — $ — $ — $ 2 $ — $ 2 Commercial non-owner occupied Risk rating: Pass $ 531,832 $ 2,383,472 $ 1,997,313 $ 704,995 $ 804,870 $ 1,728,824 $ 79,251 $ 8,230,557 Special mention 23,012 10,493 682 44,468 12,518 59,635 93 150,901 Substandard 6,111 5,683 13,147 4,574 30,978 34,284 — 94,777 Doubtful — — 1 — — — — 1 Total Commercial non-owner occupied $ 560,955 $ 2,399,648 $ 2,011,143 $ 754,037 $ 848,366 $ 1,822,743 $ 79,344 $ 8,476,236 Commercial non-owner occupied Current-period gross charge-offs $ — $ — $ 51 $ — $ — $ — $ — $ 51 Commercial Owner Occupied Risk rating: Pass $ 330,520 $ 1,047,572 $ 1,134,877 $ 682,805 $ 693,419 $ 1,346,100 $ 80,999 $ 5,316,292 Special mention 936 31,639 22,812 14,094 10,094 28,564 381 108,520 Substandard 8,750 15,769 31,741 18,982 16,778 68,684 430 161,134 Doubtful — — — 1 — 4 — 5 Total commercial owner occupied $ 340,206 $ 1,094,980 $ 1,189,430 $ 715,882 $ 720,291 $ 1,443,352 $ 81,810 $ 5,585,951 Commercial owner occupied Current-period gross charge-offs $ — $ 35 $ — $ — $ — $ — $ — $ 35 Commercial and industrial Risk rating: Pass $ 674,204 $ 1,269,467 $ 774,899 $ 439,202 $ 217,999 $ 484,451 $ 1,338,102 $ 5,198,324 Special mention 8,534 11,437 3,965 914 2,539 993 13,775 42,157 Substandard 3,694 8,324 24,301 5,557 6,242 15,208 74,329 137,655 Doubtful 57 2 81 1 — 15 2 158 Total commercial and industrial $ 686,489 $ 1,289,230 $ 803,246 $ 445,674 $ 226,780 $ 500,667 $ 1,426,208 $ 5,378,294 Commercial and industrial Current-period gross charge-offs $ 967 $ 1,348 $ 2,959 $ 38 $ 250 $ 402 $ 329 $ 6,293 Other income producing property Risk rating: Pass $ 39,690 $ 157,778 $ 104,488 $ 57,141 $ 43,710 $ 128,364 $ 44,450 $ 575,621 Special mention 76 591 796 78 300 2,706 1,478 6,025 Substandard 287 659 1,910 273 553 6,964 — 10,646 Doubtful — — — — — 5 — 5 Total other income producing property $ 40,053 $ 159,028 $ 107,194 $ 57,492 $ 44,563 $ 138,039 $ 45,928 $ 592,297 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer owner occupied Risk rating: Pass $ 5,519 $ 4,664 $ 2,923 $ 1,475 $ 347 $ 452 $ 19,455 $ 34,835 Special mention 95 521 19 129 277 — — 1,041 Substandard — 2 — 930 1,587 187 150 2,856 Doubtful — — — — — 1 — 1 Total Consumer owner occupied $ 5,614 $ 5,187 $ 2,942 $ 2,534 $ 2,211 $ 640 $ 19,605 $ 38,733 Consumer owner occupied Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Other loans Risk rating: Pass $ 6,494 $ — $ — $ — $ — $ — $ — $ 6,494 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 6,494 $ — $ — $ — $ — $ — $ — $ 6,494 Other loans Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Commercial Loans Risk rating: Pass $ 1,806,701 $ 5,785,900 $ 4,579,222 $ 1,935,751 $ 1,774,259 $ 3,718,419 $ 1,626,004 $ 21,226,256 Special mention 32,653 65,105 29,436 59,696 25,728 92,388 15,727 320,733 Substandard 20,496 31,801 71,099 30,569 57,450 133,263 74,909 419,587 Doubtful 57 2 82 2 — 30 2 175 Total Commercial Loans $ 1,859,907 $ 5,882,808 $ 4,679,839 $ 2,026,018 $ 1,857,437 $ 3,944,100 $ 1,716,642 $ 21,966,751 Total Commercial Loans Current-period gross charge-offs $ 967 $ 1,383 $ 3,010 $ 38 $ 250 $ 404 $ 329 $ 6,381 Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Construction and land development Risk rating: Pass $ 875,751 $ 742,985 $ 134,996 $ 63,439 $ 14,521 $ 29,442 $ 65,656 $ 1,926,790 Special mention 1,643 988 268 76 7,219 2,068 — 12,262 Substandard 214 10,409 11 2,326 — 4,282 — 17,242 Doubtful — — — — — 6 — 6 Total Construction and land development $ 877,608 $ 754,382 $ 135,275 $ 65,841 $ 21,740 $ 35,798 $ 65,656 $ 1,956,300 Construction and land development Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial non-owner occupied Risk rating: Pass $ 2,245,943 $ 1,849,079 $ 816,791 $ 959,707 $ 506,350 $ 1,417,397 $ 108,759 $ 7,904,026 Special mention 7,579 4,225 936 11,036 24,067 32,110 5,000 84,953 Substandard 13,256 25,557 609 9,383 6,472 26,366 2,257 83,900 Doubtful — 1 — 79 — — — 80 Total Commercial non-owner occupied $ 2,266,778 $ 1,878,862 $ 818,336 $ 980,205 $ 536,889 $ 1,475,873 $ 116,016 $ 8,072,959 Commercial non-owner occupied Current-period gross charge-offs $ 8 $ — $ — $ — $ — $ 360 $ — $ 368 Commercial Owner Occupied Risk rating: Pass $ 1,046,562 $ 1,136,289 $ 725,040 $ 709,669 $ 446,497 $ 1,080,522 $ 75,506 $ 5,220,085 Special mention 3,620 25,263 3,383 7,934 7,160 34,724 1,294 83,378 Substandard 12,861 34,210 19,962 16,502 9,487 62,808 895 156,725 Doubtful — — 1 — — 4 — 5 Total commercial owner occupied $ 1,063,043 $ 1,195,762 $ 748,386 $ 734,105 $ 463,144 $ 1,178,058 $ 77,695 $ 5,460,193 Commercial owner occupied Current-period gross charge-offs — — — 1,143 — 833 — 1,976 Commercial and industrial Risk rating: Pass $ 1,566,203 $ 895,368 $ 506,655 $ 274,446 $ 212,522 $ 333,286 $ 1,386,678 $ 5,175,158 Special mention 5,885 3,782 3,401 1,859 3,378 1,316 24,347 43,968 Substandard 6,308 27,974 4,770 6,591 6,783 8,476 32,876 93,778 Doubtful — — — — 155 422 2 579 Total commercial and industrial $ 1,578,396 $ 927,124 $ 514,826 $ 282,896 $ 222,838 $ 343,500 $ 1,443,903 $ 5,313,483 Commercial and industrial Current-period gross charge-offs 4 2,825 198 630 2,214 2,589 1,742 10,202 Other income producing property Risk rating: Pass $ 149,793 $ 92,887 $ 60,473 $ 46,189 $ 47,155 $ 107,436 $ 46,179 $ 550,112 Special mention 952 957 1,257 378 190 3,652 2,328 9,714 Substandard 876 359 1,281 300 214 11,214 1,065 15,309 Doubtful 401 — — — — 136 — 537 Total other income producing property $ 152,022 $ 94,203 $ 63,011 $ 46,867 $ 47,559 $ 122,438 $ 49,572 $ 575,672 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ 46 $ 50 $ 96 Consumer owner occupied Risk rating: Pass $ 5,947 $ 3,124 $ 1,811 $ 418 $ 68 $ 332 $ 15,910 $ 27,610 Special mention 537 20 136 284 — — 66 1,043 Substandard 13 95 12 1,614 — 202 151 2,087 Doubtful — — — — 1 — — 1 Total Consumer owner occupied $ 6,497 $ 3,239 $ 1,959 $ 2,316 $ 69 $ 534 $ 16,127 $ 30,741 Consumer owner occupied Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Other loans Risk rating: Pass $ 20,989 $ — $ — $ — $ — $ — $ — $ 20,989 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 20,989 $ — $ — $ — $ — $ — $ — $ 20,989 Other loans Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Commercial Loans Risk rating: Pass $ 5,911,188 $ 4,719,732 $ 2,245,766 $ 2,053,868 $ 1,227,113 $ 2,968,415 $ 1,698,688 $ 20,824,770 Special mention 20,216 35,235 9,381 21,567 42,014 73,870 33,035 235,318 Substandard 33,528 98,604 26,645 36,716 22,956 113,348 37,244 369,041 Doubtful 401 1 1 79 156 568 2 1,208 Total Commercial Loans $ 5,965,333 $ 4,853,572 $ 2,281,793 $ 2,112,230 $ 1,292,239 $ 3,156,201 $ 1,768,969 $ 21,430,337 Total Commercial Loans Current-period gross charge-offs $ 12 $ 2,825 $ 198 $ 1,773 $ 2,214 $ 3,828 $ 1,792 $ 12,642 For the consumer segment, delinquency of a loan is determined by past due status. Consumer loans are automatically placed on nonaccrual status once the loan is 90 days past due. Construction and land development loans are on 1-4 properties and lots. The following table presents the credit risk profile by past due status of consumer loans by origination year as of June 30, 2023: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of June 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Consumer owner occupied Days past due: Current $ 609,226 $ 1,836,525 $ 1,598,865 $ 642,978 $ 303,557 $ 883,000 $ — $ 5,874,151 30 days past due — 1,351 1,346 727 344 1,651 1 5,420 60 days past due — 466 864 164 53 1,499 — 3,046 90 days past due — 1,378 — 821 512 3,720 — 6,431 Total Consumer owner occupied $ 609,226 $ 1,839,720 $ 1,601,075 $ 644,690 $ 304,466 $ 889,870 $ 1 $ 5,889,048 Consumer owner occupied Current-period gross charge-offs $ — $ 37 $ — $ — $ — $ 2 $ — $ 39 Home equity loans Days past due: Current $ 3,686 $ 6,269 $ 4,853 $ 2,958 $ 1,212 $ 15,534 $ 1,308,808 $ 1,343,320 30 days past due — — 156 43 89 425 1,539 2,252 60 days past due — 40 — — — 507 731 1,278 90 days past due 42 49 — 15 1 230 527 864 Total Home equity loans $ 3,728 $ 6,358 $ 5,009 $ 3,016 $ 1,302 $ 16,696 $ 1,311,605 $ 1,347,714 Home equity loans Current-period gross charge-offs $ — $ — $ — $ 39 $ — $ — $ — $ 39 Consumer Days past due: Current $ 202,695 $ 355,302 $ 170,088 $ 90,851 $ 71,344 $ 162,334 $ 204,891 $ 1,257,505 30 days past due 27 545 304 18 39 1,061 13,579 15,573 60 days past due 1 93 124 168 99 737 8,021 9,243 90 days past due 1 100 141 28 70 1,038 1,779 3,157 Total consumer $ 202,724 $ 356,040 $ 170,657 $ 91,065 $ 71,552 $ 165,170 $ 228,270 $ 1,285,478 Consumer Current-period gross charge-offs $ 64 $ 883 $ 259 $ 157 $ 153 $ 357 $ 3,873 $ 5,746 Construction and land development Days past due: Current $ 62,286 $ 600,901 $ 208,596 $ 29,686 $ 9,897 $ 16,777 $ — $ 928,143 30 days past due 3 — — — — 167 — 170 60 days past due — — — — — 65 — 65 90 days past due — — — 1 — — — 1 Total Construction and land development $ 62,289 $ 600,901 $ 208,596 $ 29,687 $ 9,897 $ 17,009 $ — $ 928,379 Construction and land development Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Other income producing property Days past due: Current $ 6,239 $ 45,046 $ 19,131 $ 4,759 $ 2,578 $ 41,060 $ 286 $ 119,099 30 days past due — — — — — 61 — 61 60 days past due — — — — — — — — 90 days past due — — — — — 255 — 255 Total other income producing property $ 6,239 $ 45,046 $ 19,131 $ 4,759 $ 2,578 $ 41,376 $ 286 $ 119,415 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Consumer Loans Days past due: Current $ 884,132 $ 2,844,043 $ 2,001,533 $ 771,232 $ 388,588 $ 1,118,705 $ 1,513,985 $ 9,522,218 30 days past due 30 1,896 1,806 788 472 3,365 15,119 23,476 60 days past due 1 599 988 332 152 2,808 8,752 13,632 90 days past due 43 1,527 141 865 583 5,243 2,306 10,708 Total Consumer Loans $ 884,206 $ 2,848,065 $ 2,004,468 $ 773,217 $ 389,795 $ 1,130,121 $ 1,540,162 $ 9,570,034 Current-period gross charge-offs $ 64 $ 920 $ 259 $ 196 $ 153 $ 359 $ 3,873 $ 5,824 The following table presents total loans by origination year as of June 30, 2023: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of June 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Total Loans $ 2,744,113 $ 8,730,873 $ 6,684,307 $ 2,799,235 $ 2,247,232 $ 5,074,221 $ 3,256,804 $ 31,536,785 Current-period gross charge-offs $ 66 $ 3,268 $ 3,269 $ 234 $ 403 $ 763 $ 4,202 $ 12,205 The following table presents the credit risk profile by past due status of consumer loans by origination year as of December 31, 2022: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Consumer owner occupied Days past due: Current $ 1,695,454 $ 1,467,080 $ 657,005 $ 315,458 $ 187,580 $ 792,572 $ — $ 5,115,149 30 days past due 1,316 1,254 1,681 664 272 2,028 — 7,215 60 days past due 255 337 579 — 242 1,650 — 3,063 90 days past due — 944 776 454 664 3,036 — 5,874 Total Consumer owner occupied $ 1,697,025 $ 1,469,615 $ 660,041 $ 316,576 $ 188,758 $ 799,286 $ — $ 5,131,301 Consumer owner occupied Current-period gross charge-offs $ 25 $ — $ — $ 6 $ 23 $ 66 $ — $ 120 Home equity loans Days past due: Current $ 5,921 $ 5,231 $ 3,282 $ 1,560 $ 1,955 $ 17,941 $ 1,272,848 $ 1,308,738 30 days past due — — 155 77 418 422 1,586 2,658 60 days past due — — 19 36 70 26 540 691 90 days past due — — 60 87 — 611 323 1,081 Total Home equity loans $ 5,921 $ 5,231 $ 3,516 $ 1,760 $ 2,443 $ 19,000 $ 1,275,297 $ 1,313,168 Home equity loans Current-period gross charge-offs $ — $ — $ — $ 19 $ — $ 280 $ 146 $ 445 Consumer Days past due: Current $ 407,825 $ 206,003 $ 111,210 $ 86,008 $ 44,303 $ 141,053 $ 248,314 $ 1,244,716 30 days past due 718 194 78 174 63 1,255 17,471 19,953 60 days past due 55 103 107 36 144 557 9,836 10,838 90 days past due 126 60 58 66 165 1,660 784 2,919 Total consumer $ 408,724 $ 206,360 $ 111,453 $ 86,284 $ 44,675 $ 144,525 $ 276,405 $ 1,278,426 Consumer Current-period gross charge-offs $ 254 $ 653 $ 337 $ 265 $ 62 $ 664 $ 7,979 $ 10,214 Construction and land development Days past due: Current $ 466,475 $ 351,485 $ 50,472 $ 14,053 $ 7,006 $ 13,588 $ 379 $ 903,458 30 days past due 2 — — 57 23 43 — 125 60 days past due — — — — — — — — 90 days past due — — 436 — — 41 — 477 Total Construction and land development $ 466,477 $ 351,485 $ 50,908 $ 14,110 $ 7,029 $ 13,672 $ 379 $ 904,060 Construction and land development Current-period gross charge-offs $ — $ — $ 21 $ — $ — $ 4 $ — $ 25 Other income producing property Days past due: Current $ 45,717 $ 21,421 $ 4,937 $ 2,663 $ 4,322 $ 40,680 $ 624 $ 120,364 30 days past due — — — — — 62 — 62 60 days past due — — — — — 23 — 23 90 days past due — — — — — 121 — 121 Total other income producing property $ 45,717 $ 21,421 $ 4,937 $ 2,663 $ 4,322 $ 40,886 $ 624 $ 120,570 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Consumer Loans Days past due: Current $ 2,621,392 $ 2,051,220 $ 826,906 $ 419,742 $ 245,166 $ 1,005,834 $ 1,522,165 $ 8,692,425 30 days past due 2,036 1,448 1,914 972 776 3,810 19,057 30,013 60 days past due 310 440 705 72 456 2,256 10,376 14,615 90 days past due 126 1,004 1,330 607 829 5,469 1,107 10,472 Total Consumer Loans $ 2,623,864 $ 2,054,112 $ 830,855 $ 421,393 $ 247,227 $ 1,017,369 $ 1,552,705 $ 8,747,525 Current-period gross charge-offs $ 279 $ 653 $ 358 $ 290 $ 85 $ 1,014 $ 8,125 $ 10,804 The following table presents total loans by origination year as of December 31, 2022: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Total Loans $ 8,589,197 $ 6,907,684 $ 3,112,648 $ 2,533,623 $ 1,539,466 $ 4,173,570 $ 3,321,674 $ 30,177,862 Current-period gross charge-offs $ 291 $ 3,478 $ 556 $ 2,063 $ 2,299 $ 4,842 $ 9,917 $ 23,446
Aging analysis of past due loans (includes nonaccrual loans), segregated by class of loans	30 - 59 Days 60 - 89 Days 90+ Days Total Non- Total (Dollars in thousands) Past Due Past Due Past Due Past Due Current Accruing Loans June 30, 2023 Construction and land development $ 936 $ 105 $ 217 $ 1,258 $ 2,815,523 $ 344 $ 2,817,125 Commercial non-owner occupied 1,075 109 245 1,429 8,450,916 23,891 8,476,236 Commercial owner occupied 7,104 1,426 1,262 9,792 5,527,546 48,613 5,585,951 Consumer owner occupied 3,727 2,052 — 5,779 5,902,112 19,890 5,927,781 Home equity loans 1,876 595 — 2,471 1,340,536 4,707 1,347,714 Commercial and industrial 26,794 7,006 2,466 36,266 5,282,651 59,377 5,378,294 Other income producing property 1,713 — — 1,713 706,203 3,796 711,712 Consumer 15,406 9,055 1 24,462 1,256,128 4,888 1,285,478 Other loans — — — — 6,494 — 6,494 $ 58,631 $ 20,348 $ 4,191 $ 83,170 $ 31,288,109 $ 165,506 $ 31,536,785 December 31, 2022 Construction and land development $ 2,146 $ 3,653 $ — $ 5,799 $ 2,853,734 $ 827 $ 2,860,360 Commercial non-owner occupied 1,158 978 77 2,213 8,050,321 20,425 8,072,959 Commercial owner occupied 10,748 2,059 2,231 15,038 5,410,066 35,089 5,460,193 Consumer owner occupied 6,001 744 40 6,785 5,137,950 17,307 5,162,042 Home equity loans 2,527 361 — 2,888 1,303,964 6,316 1,313,168 Commercial and industrial 24,500 11,677 1,704 37,881 5,258,473 17,129 5,313,483 Other income producing property 1,623 1,480 298 3,401 690,107 2,734 696,242 Consumer 19,713 10,655 — 30,368 1,243,660 4,398 1,278,426 Other loans — — — — 20,989 — 20,989 $ 68,416 $ 31,607 $ 4,350 $ 104,373 $ 29,969,264 $ 104,225 $ 30,177,862
Summary of information pertaining to nonaccrual loans by class	June 30, Greater than Non-accrual December 31, (Dollars in thousands) 2023 90 Days Accruing (1) with no allowance (1) 2022 Construction and land development $ 344 $ 217 $ 7 $ 827 Commercial non-owner occupied 23,891 245 14,391 20,425 Commercial owner occupied real estate 48,613 1,262 15,057 35,089 Consumer owner occupied 19,890 — — 17,307 Home equity loans 4,707 — — 6,316 Commercial and industrial 59,377 2,466 35,603 17,129 Other income producing property 3,796 — — 2,734 Consumer 4,888 1 — 4,398 Total loans on nonaccrual status $ 165,506 $ 4,191 $ 65,058 $ 104,225 (1) Greater than 90 days accruing and non-accrual with no allowance loans at June 30, 2023.
Summary of collateral dependent loans, by type of collateral	The following is a summary of collateral dependent loans, by type of collateral, and the extent to which they are collateralized during the period: June 30, Collateral December 31, Collateral (Dollars in thousands) 2023 Coverage % 2022 Coverage % Commercial owner occupied real estate Industrial $ 15,728 $ 20,637 131% $ — $ — Other 10,546 21,784 207% 14,638 38,900 266% Commercial non-owner occupied real estate Retail 3,327 4,950 149% — — Other 13,451 27,922 208% 6,450 10,900 169% Commercial and industrial Other 50,907 51,443 101% 4,808 5,591 116% Home equity loans Residential 1-4 family dwelling — — 1,523 1,671 110% Total collateral dependent loans $ 93,959 $ 126,736 $ 27,419 $ 57,062
Schedule of restructured loans segregated by class and type of concession	Three Months Ended June 30, 2023 Increase in Amortized % of Total Weighted Average (Dollars in thousands) Cost Asset Class Life of Loan Term extension Construction and land development $ 1,255 $ 0.04% 24 months Commercial non-owner occupied 343 0.00% 60 months Commercial owner occupied real estate 7,732 0.14% 22 months Commercial and industrial 1,787 0.03% 6 months Total term extensions $ 11,117 Six Months Ended June 30, 2023 Increase in Amortized % of Total Weighted Average (Dollars in thousands) Cost Asset Class Life of Loan Term extension Construction and land development $ 1,512 $ 0.05% 22 months Commercial non-owner occupied 343 0.00% 60 months Commercial owner occupied real estate 8,096 0.14% 22 months Consumer owner occupied 281 0.02% 6 months Commercial and industrial 2,700 0.05% 7 months Total term extensions $ 12,932 Three and Six Months Ended June 30, 2023 Reduction in Weighted Increase in Amortized Average Contractual Weighted Average (Dollars in thousands) Cost Interest Rate Life of Loan Combination- Term Extension and Interest Rate Reduction Consumer owner occupied $ 259 3.63 to 3.00% 20 months Total $ 259
Schedule of changes in status of loans restructured within the previous 12 months	The following table presents the changes in status of loans modified within the previous six months to borrowers experiencing financial difficulty, as of June 30, 2023, by type of modification. There were no subsequent defaults. Paying Under Converted to Foreclosures Restructured Terms Nonaccrual and Defaults Amortized Amortized Amortized (Dollars in thousands) Cost Cost Cost Term extension Construction and land development $ 1,512 $ — $ — Commercial non-owner occupied 343 — — Commercial owner occupied real estate 8,096 — — Consumer owner occupied 540 — — Commercial and industrial 2,700 — — Total term extensions $ 13,191 $ — $ — The following table presents the changes in status of TDR loans within the previous twelve months as of June 30, 2022 by type of concession, for the comparative period, prior to the adoption of ASU 2022-02. There were no subsequent defaults that resulted in a change to reserves on the individually evaluated loan. Paying Under Converted to Foreclosures and Restructured Terms Nonaccrual Defaults Number Recorded Number Recorded Number Recorded (Dollars in thousands) of Loans Investment of Loans Investment of Loans Investment Interest rate modification 12 $ 1,354 — $ — — $ — Term modification 4 2,768 — — — — 16 $ 4,122 — $ — — $ —
Non acquired credit impaired loans
Summary of Loans
Aging analysis of past due loans (includes nonaccrual loans), segregated by class of loans	Payment Status (Amortized Cost Basis) 30-89 Days 90+ Days (Dollars in thousands) Current Past Due Past Due Construction and land development $ 1,512 $ — $ — Commercial non-owner occupied 343 — — Commercial owner occupied real estate 8,096 — — Consumer owner occupied 540 — — Commercial and industrial 2,700 — — Total $ 13,191 $ — $ —
Schedule of restructured loans segregated by class and type of concession	Six Months Ended June 30, 2022 Pre-Modification Post-Modification Number Amortized Amortized (Dollars in thousands) of loans Cost Cost Interest rate modification Commercial non-owner occupied 1 $ 182 $ 182 Commercial owner occupied 2 262 262 Consumer owner occupied 1 97 97 Commercial and industrial 4 434 434 Other income producing property 2 115 115 Total interest rate modifications 10 $ 1,090 $ 1,090 Term modification Construction and land development 1 $ 137 $ 137 Commercial owner occupied 2 2,327 2,327 Total term modifications 3 $ 2,464 $ 2,464 13 $ 3,554 $ 3,554

Allowance for Credit Losses (_2

Allowance for Credit Losses (ACL) (Tables)	6 Months Ended
Allowance for Credit Losses (ACL) (Tables)	Jun. 30, 2023
Allowance for Credit Losses (ACL)
Schedule of changes in allowance for loan losses	The following tables present a disaggregated analysis of activity in the allowance for credit losses. Residential Residential Residential Comm Constr. CRE Owner Non-Owner (Dollars in thousands) Mortgage Sr. Mortgage Jr. HELOC Construction & Dev. Consumer Multifamily Municipal Occupied Occupied CRE C & I Total Three Months Ended June 30, 2023 Allowance for credit losses: Balance at end of period March 31, 2023 $ 77,351 $ 349 $ 14,318 $ 9,176 $ 55,069 $ 23,319 $ 5,507 $ 879 $ 57,541 $ 82,473 $ 44,663 $ 370,645 Charge-offs (37) — — — (2) (3,017) — — (35) — (4,487) (7,578) Recoveries 302 3 532 22 198 520 — — 93 334 2,264 4,268 Net (charge offs) recoveries 265 3 532 22 196 (2,497) — — 58 334 (2,223) (3,310) Provision (recovery) (1) 3,853 40 (638) (329) 49 3,755 4,260 (134) 13,160 32,462 3,579 60,057 Balance at end of period June 30, 2023 $ 81,469 $ 392 $ 14,212 $ 8,869 $ 55,314 $ 24,577 $ 9,767 $ 745 $ 70,759 $ 115,269 $ 46,019 $ 427,392 Allowance for credit losses: Quantitative allowance Collectively evaluated $ 82,205 $ 393 $ 12,083 $ 8,779 $ 84,827 $ 24,577 $ 9,680 $ 670 $ 62,998 $ 112,563 $ 36,783 $ 435,558 Individually evaluated 174 — 2,331 — — — — — 6,936 1,723 5,100 16,264 Total quantitative allowance 82,379 393 14,414 8,779 84,827 24,577 9,680 670 69,934 114,286 41,883 451,822 Qualitative allowance (910) (1) (202) 90 (29,513) — 87 75 825 983 4,136 (24,430) Balance at end of period June 30, 2023 $ 81,469 $ 392 $ 14,212 $ 8,869 $ 55,314 $ 24,577 $ 9,767 $ 745 $ 70,759 $ 115,269 $ 46,019 $ 427,392 Three Months Ended June 30, 2022 Allowance for credit losses: Balance at end of period March 31, 2022 $ 46,002 $ 586 $ 13,671 $ 5,616 $ 25,358 $ 21,899 $ 3,903 $ 607 $ 49,094 $ 96,360 $ 37,300 $ 300,396 Allowance Adjustment – FMV for ACBI merger 727 — — — — — — — 930 — 2,883 4,540 Adjusted CECL balance 46,729 586 13,671 5,616 25,358 21,899 3,903 607 50,024 96,360 40,183 304,936 Charge-offs (61) — (203) — — (2,124) — — (78) (360) (3,337) (6,163) Recoveries 361 110 395 2 410 660 — — 94 304 1,488 3,824 Net (charge offs) recoveries 300 110 192 2 410 (1,464) — — 16 (56) (1,849) (2,339) Provision (recovery) (1) 8,678 (163) 3,055 1,947 1,962 4,317 (1,445) 96 14,648 (11,135) (4,849) 17,111 Balance at end of period June 30, 2022 $ 55,707 $ 533 $ 16,918 $ 7,565 $ 27,730 $ 24,752 $ 2,458 $ 703 $ 64,688 $ 85,169 $ 33,485 $ 319,708 Allowance for credit losses: Quantitative allowance Collectively evaluated $ 55,203 $ 533 $ 13,488 $ 7,565 $ 21,572 $ 24,752 $ 2,458 $ 703 $ 42,294 $ 63,666 $ 26,203 $ 258,437 Individually evaluated 479 — 3,418 — 865 — — — 5,588 140 6,442 16,932 Total quantitative allowance 55,682 533 16,906 7,565 22,437 24,752 2,458 703 47,882 63,806 32,645 275,369 Qualitative allowance 25 — 12 — 5,293 — — — 16,806 21,363 840 44,339 Balance at end of period June 30, 2022 $ 55,707 $ 533 $ 16,918 $ 7,565 $ 27,730 $ 24,752 $ 2,458 $ 703 $ 64,688 $ 85,169 $ 33,485 $ 319,708 (1) A negative provision for credit losses of $21.7 million was recorded during the second quarter of 2023, compared to a provision for credit losses of $2.2 million recorded during the second quarter of 2022 for the allowance for credit losses for unfunded commitments that is not included in the above table. Residential Residential Residential Comm Constr. CRE Owner Non Owner (Dollars in thousands) Mortgage Sr. Mortgage Jr. HELOC Construction & Dev. Consumer Multifamily Municipal Occupied Occupied CRE C & I Total Six Months Ended June 30, 2023 Allowance for credit losses: Balance at end of period December 31, 2022 $ 72,188 $ 405 $ 14,886 $ 8,974 $ 45,410 $ 22,767 $ 3,684 $ 849 $ 58,083 $ 78,485 $ 50,713 $ 356,444 Charge-offs (39) — (39) — (2) (5,746) — — (35) (51) (6,293) (12,205) Recoveries 596 8 777 94 456 1,104 — — 386 440 3,996 7,857 Net (charge offs) recoveries 557 8 738 94 454 (4,642) — — 351 389 (2,297) (4,348) Provision (benefit) (1) 8,724 (21) (1,412) (199) 9,450 6,452 6,083 (104) 12,325 36,395 (2,397) 75,296 Balance at end of period June 30, 2023 $ 81,469 $ 392 $ 14,212 $ 8,869 $ 55,314 $ 24,577 $ 9,767 $ 745 $ 70,759 $ 115,269 $ 46,019 $ 427,392 Six Months Ended June 30, 2022 Allowance for credit losses: Balance at end of period December 31, 2021 $ 47,036 $ 611 $ 13,325 $ 4,997 $ 37,593 $ 23,149 $ 4,921 $ 565 $ 61,794 $ 79,649 $ 28,167 $ 301,807 Initial Allowance for PCD loans acquired during period 811 — — — 86 — — — 2,409 — 10,452 13,758 Initial Allowance for Non PCD loans acquired during period 352 26 132 2 1,887 51 426 — 2,519 2,697 5,605 13,697 Charge-offs (119) (19) (421) — (4) (4,785) — — (449) (360) (5,496) (11,653) Recoveries 755 165 652 5 644 1,192 — — 408 373 2,797 6,991 Net (charge offs) recoveries 636 146 231 5 640 (3,593) — — (41) 13 (2,699) (4,662) Provision (benefit) (1) 6,872 (250) 3,230 2,561 (12,476) 5,145 (2,889) 138 (1,993) 2,810 (8,040) (4,892) Balance at end of period June 30, 2022 $ 55,707 $ 533 $ 16,918 $ 7,565 $ 27,730 $ 24,752 $ 2,458 $ 703 $ 64,688 $ 85,169 $ 33,485 $ 319,708 (1) A negative provision for credit losses of $3.8 million was recorded during the first six months of 2023, compared to a provision for credit losses of $2.0 million during the first six months of 2022 for the allowance for credit losses for unfunded commitments that is not included in the above table .

Other Real Estate Owned and B_2

Other Real Estate Owned and Bank Premises Held for Sale (Tables)	6 Months Ended
	Jun. 30, 2023
Other Real Estate Owned and Bank Premises Held for Sale
Schedule of information pertaining to OREO and Bank Premises Held for Sale	(Dollars in thousands) OREO Bank Properties Held for Sale Total Balance, December 31, 2022 $ 1,023 $ 17,754 $ 18,777 Additions, net 3,186 — 3,186 Write-downs — (1,231) (1,231) Sold (3,129) (3,051) (6,180) Balance, June 30, 2023 $ 1,080 $ 13,472 $ 14,552

Leases (Tables)

Leases (Tables)	6 Months Ended
Leases (Tables)	Jun. 30, 2023
Leases
Schedule of information pertaining to leases	Three Months Ended Six Months Ended (Dollars in thousands) June 30, June 30, 2023 2022 2023 2022 Lease Cost Components: Amortization of ROU assets – finance leases $ 117 $ 117 $ 233 $ 233 Interest on lease liabilities – finance leases 10 12 21 25 Operating lease cost (cost resulting from lease payments) 4,278 4,536 8,518 8,869 Short-term lease cost 109 231 215 374 Variable lease cost (cost excluded from lease payments) 840 761 1,475 1,198 Total lease cost $ 5,354 $ 5,657 $ 10,462 $ 10,699 Supplemental Cash Flow and Other Information Related to Leases: Finance lease – operating cash flows $ 10 $ 12 $ 21 $ 25 Finance lease – financing cash flows 110 108 220 216 Operating lease – operating cash flows (fixed payments) 4,154 4,444 8,250 8,626 Operating lease – operating cash flows (net change asset/liability) (3,321) (3,545) (6,608) (6,848) New ROU assets – operating leases 701 188 701 12,616 New ROU assets – finance leases — — — — Weighted – average remaining lease term (years) – finance leases 4.93 5.92 Weighted – average remaining lease term (years) – operating leases 9.63 10.11 Weighted – average discount rate - finance leases 1.7% 1.7% Weighted – average discount rate - operating leases 3.0% 3.0% Operating lease payments due: 2023 (excluding the quarter ended June 30, 2023) $ 8,411 2024 15,784 2025 14,435 2026 14,062 2027 13,122 Thereafter 68,760 Total undiscounted cash flows 134,574 Discount on cash flows (20,014) Total operating lease liabilities $ 114,560

Deposits (Tables)

Deposits (Tables)	6 Months Ended
Deposits (Tables)	Jun. 30, 2023
Deposits
Schedule of total deposits	June 30, December 31, (Dollars in thousands) 2023 2022 Noninterest-bearing checking $ 11,489,483 $ 13,168,656 Interest-bearing checking 8,185,609 8,955,519 Savings 2,931,320 3,464,351 Money market 9,710,032 8,342,111 Time deposits 4,425,434 2,419,986 Total deposits $ 36,741,878 $ 36,350,623

Earnings Per Share (Tables)

Earnings Per Share (Tables)	6 Months Ended
Earnings Per Share (Tables)	Jun. 30, 2023
Earnings Per Share
Schedule of computation of basic and diluted earnings per common share	Three Months Ended Six Months Ended June 30, June 30, (Dollars and shares in thousands, except for per share amounts) 2023 2022 2023 2022 Basic earnings per common share: Net income $ 123,447 $ 119,175 $ 263,373 $ 219,504 Weighted-average basic common shares 76,058 75,461 75,981 73,465 Basic earnings per common share $ 1.62 $ 1.58 $ 3.47 $ 2.99 Diluted earnings per common share: Net income $ 123,447 $ 119,175 $ 263,373 $ 219,504 Weighted-average basic common shares 76,058 75,461 75,981 73,465 Effect of dilutive securities 360 633 413 639 Weighted-average dilutive shares 76,418 76,094 76,394 74,104 Diluted earnings per common share $ 1.62 $ 1.57 $ 3.45 $ 2.96
Schedule of anti-dilutive securities excluded from computation of diluted earnings per common share	Three Months Ended June 30, Six Months Ended June 30, 2023 2022 2023 2022 Number of shares 58,247 57,169 57,169 57,169 Range of exercise prices $ 69.48 to $ 91.35 $ 87.30 to $ 91.35 $ 87.30 to $ 91.35 $ 87.30 to $ 91.35

Share-Based Compensation (Table

Share-Based Compensation (Tables)	6 Months Ended
Share-Based Compensation (Tables)	Jun. 30, 2023
Share-Based Compensation
Schedule of stock option activity	Weighted Weighted Average Aggregate Average Remaining Intrinsic Shares Price (Yrs.) (000’s) Outstanding at January 1, 2023 161,832 $ 66.20 Exercised (19,011) 51.01 Expired (1,967) 28.30 Outstanding at June 30, 2023 140,854 68.78 2.80 $ 1,034 Exercisable at June 30, 2023 140,854 68.78 2.80 $ 1,034
Summary of nonvested restricted stock	Weighted- Average Grant-Date Restricted Stock Shares Fair Value Nonvested at January 1, 2023 50,506 $ 89.12 Vested (20,849) 90.00 Forfeited (2,353) 90.00 Nonvested at June 30, 2023 27,304 $ 88.37
Summary of nonvested RSUs	Weighted- Average Grant-Date Restricted Stock Units Shares Fair Value Outstanding at January 1, 2023 940,512 $ 73.82 Granted 371,821 74.90 Vested (358,784) 71.93 Forfeited (9,577) 75.99 Outstanding at June 30, 2023 943,972 $ 74.94

Fair Value (Tables)

Fair Value (Tables)	6 Months Ended
Fair Value (Tables)	Jun. 30, 2023
Schedule of recorded amount of assets and liabilities measured at fair value on a recurring basis	Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) June 30, 2023: Assets Derivative financial instruments $ 174,480 $ — $ 174,480 $ — Loans held for sale 42,951 — 42,951 — Trading securities 56,580 — 56,580 — Securities available for sale: U.S. Treasuries 219,913 — 219,913 — U.S. Government agencies 218,345 — 218,345 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,604,370 — 1,604,370 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 559,776 — 559,776 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 962,494 — 962,494 — State and municipal obligations 954,455 — 954,455 — Small Business Administration loan-backed securities 404,559 — 404,559 — Corporate securities 25,422 — 25,422 — Total securities available for sale 4,949,334 — 4,949,334 — Mortgage servicing rights 87,539 — — 87,539 SBA servicing asset 6,202 — — 6,202 $ 5,317,086 $ — $ 5,223,345 $ 93,741 Liabilities Derivative financial instruments $ 975,717 $ — $ 975,717 $ — December 31, 2022: Assets Derivative financial instruments $ 211,016 $ — $ 211,016 $ — Loans held for sale 28,968 — 28,968 — Trading securities 31,263 — 31,263 — Securities available for sale: U.S. Treasuries 265,638 — 265,638 — U.S. Government agencies 219,088 — 219,088 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,698,353 — 1,698,353 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 601,045 — 601,045 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,000,398 — 1,000,398 — State and municipal obligations 1,064,852 — 1,064,852 — Small Business Administration loan-backed securities 444,810 — 444,810 — Corporate securities 32,638 — 32,638 — Total securities available for sale 5,326,822 — 5,326,822 — Mortgage servicing rights 86,610 — — 86,610 SBA servicing asset 6,068 — — 6,068 $ 5,690,747 $ — $ 5,598,069 $ 92,678 Liabilities Derivative financial instruments $ 1,034,143 $ — $ 1,034,143 $ —
Schedule of mortgage loans held for sale	June 30, December 31, (Dollars in thousands) 2023 2022 Fair value $ 42,951 $ 28,968 Unpaid principal balance 41,855 27,937 Fair value less aggregated unpaid principal balance $ 1,096 $ 1,031 Three Months Ended June 30, Six Months Ended June 30, (Dollars in thousands) 2023 2022 2023 2022 Income Statement Location Mortgage loans held for sale $ 75 $ 570 $ 66 $ (5,456) Mortgage banking income
Schedule of amounts of assets and liabilities measured at fair value on a nonrecurring basis	Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) June 30, 2023: OREO $ 1,080 $ — $ — $ 1,080 Bank properties held for sale 13,472 — — 13,472 Individually evaluated loans 84,099 — — 84,099 December 31, 2022: OREO $ 1,023 $ — $ — $ 1,023 Bank properties held for sale 17,754 — — 17,754 Individually evaluated loans 20,802 — — 20,802
Schedule of quantitative information about level 3 fair value measurements	Weighted Average June 30, December 31, Valuation Technique Unobservable Input 2023 2022 Nonrecurring measurements: Individually evaluated loans Discounted appraisals and discounted cash flows Collateral discounts 15 % 31 % OREO and Bank properties held for sale Discounted appraisals Collateral discounts and estimated costs to sell 23 % 16 %
Schedule of estimated fair value, and related carrying amount, of the Company's financial instruments	Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 June 30, 2023 Financial assets: Cash and cash equivalents $ 1,513,749 $ 1,513,749 $ 1,513,749 $ — $ — Trading securities 56,580 56,580 — 56,580 — Investment securities 7,731,217 7,290,576 196,728 7,093,848 — Loans held for sale 42,951 42,951 — 42,951 — Loans, net of allowance for credit losses 31,109,393 30,184,857 — — 30,184,857 Accrued interest receivable 137,230 137,230 — 26,346 110,884 Mortgage servicing rights 87,539 87,539 — — 87,539 SBA servicing asset 6,202 6,202 — — 6,202 Interest rate swap – non-designated hedge 173,248 173,248 — 173,248 — Other derivative financial instruments (mortgage banking related) 1,232 1,232 — 1,232 — Financial liabilities: Deposits Noninterest-bearing 11,489,483 11,489,483 — 11,489,483 — Interest-bearing other than time deposits 20,826,961 20,826,961 — 20,826,961 — Time deposits 4,425,434 4,351,601 — 4,351,601 — Federal funds purchased and securities sold under agreements to repurchase 581,446 581,446 — 581,446 — Corporate and subordinated debentures 392,090 385,920 — 385,920 — Other borrowings 400,000 400,000 — 400,000 — Accrued interest payable 31,791 31,791 — 31,791 — Interest rate swap – non-designated hedge 974,549 974,549 — 974,549 — Other derivative financial instruments (mortgage banking related) 1,168 1,168 — 1,168 — Off balance sheet financial instruments: Commitments to extend credit — (328,875) — (328,875) — December 31, 2022 Financial assets: Cash and cash equivalents $ 1,312,563 $ 1,312,563 $ 1,312,563 $ — $ — Trading securities 31,263 31,263 — 31,263 — Investment securities 8,189,780 7,756,707 179,717 7,576,990 — Loans held for sale 28,968 28,968 — 28,968 — Loans, net of allowance for credit losses 29,821,418 29,329,499 — — 29,329,499 Accrued interest receivable 134,594 134,594 — 28,449 106,145 Mortgage servicing rights 86,610 86,610 — — 86,610 SBA servicing asset 6,068 — — — 6,068 Interest rate swap – non-designated hedge 210,216 210,216 — 210,216 — Other derivative financial instruments (mortgage banking related) 800 800 — 800 — Financial liabilities: Deposits Noninterest-bearing 13,168,656 13,168,656 — 13,168,656 — Interest-bearing other than time deposits 20,761,981 20,761,981 — 20,761,981 — Time deposits 2,419,986 2,333,764 — 2,333,764 — Federal funds purchased and securities sold under agreements to repurchase 556,417 556,417 — 556,417 — Corporate and subordinated debentures 392,275 377,360 — 377,360 — Accrued interest payable 6,218 6,218 — 3,345 — Interest rate swap – non-designated hedge 1,033,980 1,033,980 — 1,033,980 — Other derivative financial instruments (mortgage banking related) 163 163 — 163 — Off balance sheet financial instruments: Commitments to extend credit — (184,801) — (184,801) —
Mortgage Servicing Rights
Schedule of reconciliation of the beginning and ending balances of Level 3 assets, comprised of Mortgage Servicing Rights, SBA servicing asset and liabilities recorded at fair value on a recurring basis	(Dollars in thousands) MSRs Fair value, January 1, 2023 $ 86,610 Servicing assets that resulted from transfers of financial assets 4,034 Changes in fair value due to valuation inputs or assumptions 688 Changes in fair value due to decay (3,793) Fair value, June 30, 2023 $ 87,539
SBA servicing asset
Schedule of reconciliation of the beginning and ending balances of Level 3 assets, comprised of Mortgage Servicing Rights, SBA servicing asset and liabilities recorded at fair value on a recurring basis	(Dollars in thousands) SBA Servicing Asset Fair value, January 1, 2023 $ 6,068 Servicing assets that resulted from transfers of financial assets 631 Changes in fair value due to decay (931) Changes in fair value due to valuation inputs or assumptions 434 Fair value, June 30, 2023 $ 6,202

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	6 Months Ended
Accumulated Other Comprehensive Loss (Tables)	Jun. 30, 2023
Accumulated Other Comprehensive Loss
Schedule of components of accumulated other comprehensive loss	Unrealized Gains and Benefit (Losses) on Securities (Dollars in thousands) Plans Available for Sale Total Three Months Ended June 30, 2023 Balance at March 31, 2023 $ (673) $ (613,111) $ (613,784) Other comprehensive loss before reclassifications — (48,614) (48,614) Amounts reclassified from accumulated other comprehensive loss — — — Net comprehensive loss — (48,614) (48,614) Balance at June 30, 2023 $ (673) $ (661,725) $ (662,398) Three Months Ended June 30, 2022 Balance at March 31, 2022 $ 57 $ (294,013) $ (293,956) Other comprehensive loss before reclassifications — (196,928) (196,928) Amounts reclassified from accumulated other comprehensive loss — — — Net comprehensive loss — (196,928) (196,928) Balance at June 30, 2022 $ 57 $ (490,941) $ (490,884) Six Months Ended June 30, 2023 Balance at December 31, 2022 $ (673) $ (676,415) $ (677,088) Other comprehensive income before reclassifications — 14,723 14,723 Amounts reclassified from accumulated other comprehensive loss — (33) (33) Net comprehensive income — 14,690 14,690 Balance at June 30, 2023 $ (673) $ (661,725) $ (662,398) Six Months Ended June 30, 2022 Balance at December 31, 2021 $ 57 $ (21,203) $ (21,146) Other comprehensive loss before reclassifications — (469,738) (469,738) Amounts reclassified from accumulated other comprehensive loss — — — Net comprehensive loss — (469,738) (469,738) Balance at June 30, 2022 $ 57 $ (490,941) $ (490,884)
Schedule of reclassifications out of accumulated other comprehensive (loss) income, net of tax	Amount Reclassified from Accumulated Other Comprehensive Income (Loss) (Dollars in thousands) For the Three Months Ended June 30, For the Six Months Ended June 30, Accumulated Other Comprehensive Income (Loss) Component 2023 2022 2023 2022 Income Statement Line Item Affected Gains on sales of available for sale securities: $ — $ — $ (45) $ — Securities gains, net — — 12 — Provision for income taxes — — (33) — Net income Total reclassifications for the period $ — $ — $ (33) $ —

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	6 Months Ended
Derivative Financial Instruments (Tables)	Jun. 30, 2023
Derivative Financial Instruments
Derivative financial instruments summary	June 30, 2023 December 31, 2022 Balance Sheet Notional Estimated Fair Value Notional Estimated Fair Value (Dollars in thousands) Location Amount Gain Loss Amount Gain Loss Fair value hedge of interest rate risk: Pay fixed rate swap with counterparty Other Assets $ 12,078 $ 422 $ — $ 12,289 $ 414 $ — Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other Assets and Other Liabilities 10,832,049 16,235 974,495 10,480,171 8,539 1,033,980 Matched interest rate swaps with counterparty Other Assets and Other Liabilities 10,744,034 156,591 54 10,400,733 201,263 — Not designated hedges of interest rate risk – mortgage banking activities: Contracts used to hedge mortgage servicing rights Other Liabilities 63,000 — 1,168 35,000 — 163 Contracts used to hedge mortgage pipeline Other Assets 108,000 1,232 — 51,000 800 — Total derivatives $ 21,759,161 $ 174,480 $ 975,717 $ 20,979,193 $ 211,016 $ 1,034,143
Schedule of notional value of forward sale commitments and the fair value of those obligations along with the fair value of the mortgage pipeline	(Dollars in thousands) June 30, 2023 December 31, 2022 Mortgage loan pipeline $ 99,826 $ 40,850 Expected closures 89,037 37,210 Fair value of mortgage loan pipeline commitments 909 524 Forward sales commitments 108,000 51,000 Fair value of forward commitments 323 276

Capital Ratios (Tables)

Capital Ratios (Tables)	6 Months Ended
Capital Ratios (Tables)	Jun. 30, 2023
Capital Ratios
Schedule of actual and required capital ratios	Required to be Minimum Capital Considered Well Actual Required – Basel III Capitalized (Dollars in thousands) Amount Ratio Capital Amount Ratio Capital Amount Ratio June 30, 2023: Common equity Tier 1 to risk-weighted assets: Consolidated $ 3,988,474 11.25 % $ 2,481,341 7.00 % $ 2,304,102 6.50 % SouthState Bank (the Bank) 4,263,578 12.04 % 2,478,512 7.00 % 2,301,475 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 3,988,474 11.25 % 3,013,057 8.50 % 2,835,818 8.00 % SouthState Bank (the Bank) 4,263,578 12.04 % 3,009,621 8.50 % 2,832,585 8.00 % Total capital to risk-weighted assets: Consolidated 4,779,816 13.48 % 3,722,011 10.50 % 3,544,772 10.00 % SouthState Bank (the Bank) 4,664,919 13.18 % 3,717,767 10.50 % 3,540,731 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 3,988,474 9.17 % 1,739,845 4.00 % 2,174,806 5.00 % SouthState Bank (the Bank) 4,263,578 9.81 % 1,739,082 4.00 % 2,173,853 5.00 % December 31, 2022: Common equity Tier 1 to risk-weighted assets: Consolidated $ 3,788,106 10.96 % $ 2,420,417 7.00 % $ 2,247,530 6.50 % SouthState Bank (the Bank) 4,074,045 11.80 % 2,417,133 7.00 % 2,244,481 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 3,788,106 10.96 % 2,939,077 8.50 % 2,766,190 8.00 % SouthState Bank (the Bank) 4,074,045 11.80 % 2,935,090 8.50 % 2,762,438 8.00 % Total capital to risk-weighted assets: Consolidated 4,485,397 12.97 % 3,630,625 10.50 % 3,457,738 10.00 % SouthState Bank (the Bank) 4,381,336 12.69 % 3,625,700 10.50 % 3,453,047 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 3,788,106 8.72 % 1,736,991 4.00 % 2,171,239 5.00 % SouthState Bank (the Bank) 4,074,045 9.39 % 1,736,330 4.00 % 2,170,412 5.00 %

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	6 Months Ended
Goodwill and Other Intangible Assets (Tables)	Jun. 30, 2023
Goodwill and Other Intangible Assets
Summary of gross carrying amounts and accumulated amortization of other intangible assets	June 30, December 31, (Dollars in thousands) 2023 2022 Gross carrying amount $ 275,002 $ 274,869 Accumulated amortization (172,746) (158,419) $ 102,256 $ 116,450
Schedule of estimated amortization expense for other intangibles for each of the next five quarters	(Dollars in thousands) Quarter ending: September 30, 2023 $ 6,615 December 31, 2023 6,615 March 31, 2024 6,003 June 30, 2024 5,739 September 30, 2024 5,327 Thereafter 65,756 $ 96,055

Mortgage Loan Servicing, Orig_2

Mortgage Loan Servicing, Origination, and Loans Held for Sale (Tables)	6 Months Ended
	Jun. 30, 2023
Mortgage Loan Servicing, Origination, and Loans Held for Sale
Summary of changes in the fair value of MSRs and its offsetting hedge	Three Months Ended Six Months Ended (Dollars in thousands) June 30, 2023 June 30, 2022 June 30, 2023 June 30, 2022 Increase in fair value of MSRs $ 1,977 $ 2,786 $ 688 $ 15,613 Decay of MSRs (2,385) (3,292) (3,793) (5,521) Loss related to derivatives (2,264) (2,553) (2,119) (14,391) Net effect on Consolidated Statements of Net Income $ (2,672) $ (3,059) $ (5,224) $ (4,299)
Schedule of characteristics and sensitivity analysis of the MSR	The characteristics and sensitivity analysis of the MSRs are included in the following table: June 30, December 31, (Dollars in thousands) 2023 2022 Composition of residential loans serviced for others Fixed-rate mortgage loans 100.0 % 100.0 % Adjustable-rate mortgage loans — % — % Total 100.0 % 100.0 % Weighted average life 8.24 years 8.37 years Constant Prepayment rate (CPR) 6.6 % 6.4 % Weighted average discount rate 10.3 % 10.0 % Effect on fair value due to change in interest rates 25 basis point increase $ 866 $ 774 50 basis point increase 1,571 1,428 25 basis point decrease (1,029) (902) 50 basis point decrease (2,203) (1,938)

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Leases (Details) $ in Millions	Jun. 30, 2023 USD ($)
Summary of Significant Accounting Policies
Financing Receivable , Individually Evaluated for Losses ,Net Book Balance	$ 1

Summary of Significant Accoun_5

Summary of Significant Accounting Policies - Allowance for Credit Losses (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Investment Securities - Held to Maturity	$ 2,585,155	$ 2,683,241
Financing Receivable, Threshold Loss on Modifications Estimated	1,000
Accrued interest receivable (AIR)	$ 110,400	$ 105,400
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other Assets.	Other Assets.
Liability Recorded for Expected Credit Losses on Unfunded Commitments	$ 63,400
Other Assets
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Accrued interest receivable for investment securities	25,800	$ 28,200
Other Liabilities
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Liability Recorded for Expected Credit Losses on Unfunded Commitments	$ 63,400	$ 67,200

Summary of Significant Accoun_6

Summary of Significant Accounting Policies - Reclassification and Correction Derivatives (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Interest income:
Effect to interest income on federal funds sold and interest-earning deposits with banks	$ 11,858	$ 9,309	$ 20,779	$ 12,168
Net effect to interest income	478,053	326,333	928,462	596,804
Effect to interest expense on deposits	100,787	4,914	156,729	9,506
Net effect to interest expense	116,310	10,518	185,456	19,472
Net effect to net interest income	361,743	315,815	743,006	577,332
Noninterest income:
Net effect to noninterest income	77,214	86,756	148,569	172,803
Net effect to net income	123,447	119,175	263,373	219,504
Correspondent banking and capital market income
Noninterest income:
Noninterest income	$ 19,187	26,068	$ 32,781	54,019
Adjustments
Interest income:
Effect to interest income on federal funds sold and interest-earning deposits with banks		674		681
Net effect to interest income		674		681
Effect to interest expense on deposits		(862)		(898)
Net effect to interest expense		(862)		(898)
Net effect to net interest income		1,536		1,579
Noninterest income:
Net effect to noninterest income		(1,536)		(1,579)
Adjustments \| Correspondent banking and capital market income
Noninterest income:
Noninterest income		$ (1,536)		$ (1,579)

Mergers and Acquisitions - Atla

Mergers and Acquisitions - Atlantic Capital (Details)		3 Months Ended		6 Months Ended		12 Months Ended
Mergers and Acquisitions - Atlantic Capital (Details)	Mar. 01, 2022 USD ($) $ / shares shares	Jun. 30, 2023 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2022 USD ($)	Dec. 31, 2022 USD ($)
Mergers and Acquisitions
Goodwill		$ 1,923,106,000		$ 1,923,106,000		$ 1,923,106,000
Deposits:
Goodwill		1,923,106,000		1,923,106,000		1,923,106,000
Consideration:
Reversal of CSFL's ending allowance for credit losses		7,578,000	$ 6,163,000	12,205,000	$ 11,653,000	$ 23,446,000
Atlantic Capital
Mergers and Acquisitions
Shares of the common stock in exchange for each share	0.36
Purchase price	$ 657,810,000
Loans at fair value acquired after initial fair value adjustment	2,400,000,000
Estimated discount on loans	$ 54,300,000
Estimated discount on loans (as a percent)	2.24%
Loans acquired as a percentage of total loans	10%
Credit deficiencies that were identified as Purchased Credit Deteriorated ("PCD") loans.	$ 137,900,000
Acquisition costs		$ 1,000,000	$ 2,200,000	$ 2,400,000	$ 7,900,000
Goodwill	342,021,000
Assets
Cash and cash equivalents	250,158,000
Investment securities	703,710,000
Loans, net of allowance and mark	2,369,678,000
Premises and equipment	19,500,000
Intangible assets	20,791,000
Bank owned life insurance	74,613,000
Deferred tax asset	31,479,000
Other assets	51,554,000
Total assets	3,521,483,000
Deposits:
Noninterest-bearing	1,411,671,000
Interest-bearing	1,616,970,000
Total deposits	3,028,641,000
Federal funds purchased and securities sold under agreements to repurchase	50,000,000
Other borrowings	78,417,000
Other liabilities	48,636,000
Total liabilities	3,205,694,000
Net identifiable assets acquired over (under) liabilities assumed	315,789,000
Goodwill	342,021,000
Net assets acquired over liabilities assumed	$ 657,810,000
Consideration:
Number of shares issued as consideration \| shares	7,330,803
Purchase price per share of the Company's common stock \| $ / shares	$ 90
Company common stock issued and cash exchanged for fractional shares.	$ 659,791,000
Value of shares issued	659,772,000
Value of common stock issued for fractional shares	19,000
Stock option conversion	1,135,000
Restricted stock unit conversion	2,870,000
Restricted stock awards conversion (unvested awards)	(5,986,000)
Fair value of total consideration transferred	657,810,000
Reversal of fair value adjustments	17,200,000
Securities and time deposits at fair value (discount)	30,900,000
HTM reclassified to AFS	$ 237,600,000
Credit mark of the loan portfolio (as a percent)	1.40%
Credit mark of the loan portfolio	$ 34,000,000
Net credit discount of the loan portfolio (as a percent)	2.24%
Net non-credit discount of the loan portfolio	$ 54,300,000
Reversal of CSFL's ending allowance for credit losses	22,100,000
Fair value adjustment for reversal of deferred fees and costs	7,600,000
Fair value adjustment for fixed assets and leased assets	2,600,000
Core deposit intangible from a third party valuation	$ 17,500,000
Core deposit intangible from a third party valuation (as a percent)	0.63
Serving assets from third party valuation	$ 3,200,000
Servicing assets written off	19,900,000
Goodwill written off	$ 2,600,000
Deferred tax assets related to fair value adjustments with marginal tax rate	23.90%
Fair value negative adjustment for investment in low income housing	$ 1,100,000
Fair value adjustment (decrease) on write-off of prepaid assets	233,000
Fair value adjustment for receivables	154,000
Fair value adjustment for Small Business Investment Company ("SBIC') Investments	7,400,000
Issuance costs on subordinated debt	900,000
Fair value adjustment on reversal of debt issuance costs	3,400,000
Reversal of an existing unfunded commitment reserve at purchase date	2,800,000
Fair value adjustment to increase lease liabilities associated with rental facilities	1,400,000
Fair value adjustment for reversal of uncertain tax liability	700,000
Atlantic Capital \| As Recorded by Atlantic Capital
Assets
Cash and cash equivalents	250,134,000
Investment securities	717,332,000
Loans, net of allowance and mark	2,394,256,000
Premises and equipment	16,892,000
Intangible assets	22,572,000
Bank owned life insurance	74,613,000
Deferred tax asset	30,231,000
Other assets	45,274,000
Total assets	3,551,304,000
Deposits:
Noninterest-bearing	1,411,671,000
Interest-bearing	1,616,970,000
Total deposits	3,028,641,000
Federal funds purchased and securities sold under agreements to repurchase	50,000,000
Other borrowings	74,131,000
Other liabilities	50,711,000
Total liabilities	3,203,483,000
Net identifiable assets acquired over (under) liabilities assumed	347,821,000
Net assets acquired over liabilities assumed	347,821,000
Atlantic Capital \| Initial Fair Value Adjustments
Mergers and Acquisitions
Goodwill	342,939,000
Assets
Cash and cash equivalents	24,000
Investment securities	(13,622,000)
Loans, net of allowance and mark	(18,964,000)
Premises and equipment	2,608,000
Intangible assets	(1,781,000)
Deferred tax asset	2,273,000
Other assets	(1,277,000)
Total assets	(30,739,000)
Deposits:
Other borrowings	4,286,000
Other liabilities	(2,075,000)
Total liabilities	2,211,000
Net identifiable assets acquired over (under) liabilities assumed	(32,950,000)
Goodwill	342,939,000
Net assets acquired over liabilities assumed	309,989,000
Atlantic Capital \| Subsequent Fair Value Adjustments
Mergers and Acquisitions
Goodwill	(918,000)
Assets
Loans, net of allowance and mark	(5,614,000)
Deferred tax asset	(1,025,000)
Other assets	7,557,000
Total assets	918,000
Deposits:
Net identifiable assets acquired over (under) liabilities assumed	918,000
Goodwill	$ (918,000)

Investment Securities - Amortiz

Investment Securities - Amortized cost and fair value for available for sale securities (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Mar. 31, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Investment securities held-to-maturity
Amortized cost			$ 2,585,155,000		$ 2,683,241,000
Gross Unrealized Losses			(440,641,000)		(433,073,000)
Fair Value			2,144,514,000		2,250,168,000
Investment securities available for sale
Amortized cost			5,830,576,000		6,216,141,000
Gross Unrealized Gains			160,000		4,054,000
Gross Unrealized Losses			(881,402,000)		(893,373,000)
Fair Value			4,949,334,000		5,326,822,000
Gross realized gains			1,300,000
Gross realized losses			1,300,000
Securities gains, net	$ 0		45,000	$ 0
Atlantic Capital
Investment securities available for sale
Realized gains or losses		$ 0
Sold securities		$ 414,400,000
U.S. Treasuries
Investment securities available for sale
Amortized cost			223,658,000		272,416,000
Gross Unrealized Losses			(3,745,000)		(6,778,000)
Fair Value			219,913,000		265,638,000
U.S. Government agencies
Investment securities held-to-maturity
Amortized cost			197,265,000		197,262,000
Gross Unrealized Losses			(29,352,000)		(29,787,000)
Fair Value			167,913,000		167,475,000
Investment securities available for sale
Amortized cost			246,030,000		245,972,000
Gross Unrealized Losses			(27,685,000)		(26,884,000)
Fair Value			218,345,000		219,088,000
Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises
Investment securities held-to-maturity
Amortized cost			1,514,472,000		1,591,646,000
Gross Unrealized Losses			(253,666,000)		(255,093,000)
Fair Value			1,260,806,000		1,336,553,000
Investment securities available for sale
Amortized cost			1,903,472,000		1,996,405,000
Gross Unrealized Losses			(299,102,000)		(298,052,000)
Fair Value			1,604,370,000		1,698,353,000
Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises
Investment securities held-to-maturity
Amortized cost			460,574,000		474,660,000
Gross Unrealized Losses			(72,157,000)		(69,664,000)
Fair Value			388,417,000		404,996,000
Investment securities available for sale
Amortized cost			666,198,000		708,337,000
Gross Unrealized Losses			(106,422,000)		(107,292,000)
Fair Value			559,776,000		601,045,000
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Investment securities held-to-maturity
Amortized cost			357,815,000		362,586,000
Gross Unrealized Losses			(73,410,000)		(66,304,000)
Fair Value			284,405,000		296,282,000
Investment securities available for sale
Amortized cost			1,173,907,000		1,196,700,000
Gross Unrealized Gains					2,542,000
Gross Unrealized Losses			(211,413,000)		(198,844,000)
Fair Value			962,494,000		1,000,398,000
State and municipal obligations
Investment securities available for sale
Amortized cost			1,135,189,000		1,269,525,000
Gross Unrealized Gains			3,000		1,210,000
Gross Unrealized Losses			(180,737,000)		(205,883,000)
Fair Value			954,455,000		1,064,852,000
Small Business Administration loan-backed securities
Investment securities held-to-maturity
Amortized cost			55,029,000		57,087,000
Gross Unrealized Losses			(12,056,000)		(12,225,000)
Fair Value			42,973,000		44,862,000
Investment securities available for sale
Amortized cost			451,564,000		491,203,000
Gross Unrealized Gains			157,000		302,000
Gross Unrealized Losses			(47,162,000)		(46,695,000)
Fair Value			404,559,000		444,810,000
Corporate securities.
Investment securities available for sale
Amortized cost			30,558,000		35,583,000
Gross Unrealized Losses			(5,136,000)		(2,945,000)
Fair Value			$ 25,422,000		$ 32,638,000

Investment Securities - Carryin

Investment Securities - Carrying value of other investment securities (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Other investment securities
Carrying Value	$ 196,728	$ 179,717
Federal Home Loan Bank stock
Other investment securities
Carrying Value	32,085	15,085
Federal Reserve Bank Stock
Other investment securities
Carrying Value	150,261	150,261
Investment in unconsolidated subsidiaries
Other investment securities
Carrying Value	3,563	3,563
Other nonmarketable investment securities
Other investment securities
Carrying Value	$ 10,819	$ 10,808

Investment Securities - Amort_2

Investment Securities - Amortized cost and fair value by contractual maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Amortized Cost
Due in one year or less	$ 50,000
Due after one year through five years	51,034
Due after five years through ten years	369,168
Due after ten years	2,114,953
Total	2,585,155	$ 2,683,241
Fair Value
Due in one year or less	48,185
Due after one year through five years	45,228
Due after five years through ten years	320,965
Due after ten years	1,730,136
Fair Value	2,144,514	2,250,168
Amortized Cost
Due in one year or less	231,970
Due after one year through five years	301,127
Due after five years through ten years	1,263,193
Due after ten years	4,034,286
Amortized Cost	5,830,576	6,216,141
Fair Value
Due in one year or less	228,385
Due after one year through five years	283,616
Due after five years through ten years	1,075,431
Due after ten years	3,361,902
Fair Value	$ 4,949,334	$ 5,326,822

Investment Securities - Securit

Investment Securities - Securities with gross unrealized losses (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months	$ 1,549	$ 115,297
Twelve Months or More	439,092	317,776
Securities Held to Maturity, Fair Value
Less Than Twelve Months	44,665	952,682
Twelve Months or More	2,099,849	1,297,486
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	15,220	197,789
Twelve Months or More	866,182	695,584
Securities Available for Sale, Fair Value
Less Than Twelve Months	310,283	2,082,068
Twelve Months or More	4,608,799	3,073,871
U.S. Treasuries
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months		6,778
Twelve Months or More	3,745
Securities Available for Sale, Fair Value
Less Than Twelve Months		265,638
Twelve Months or More	219,913
U.S. Government agencies
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months		5,514
Twelve Months or More	29,352	24,273
Securities Held to Maturity, Fair Value
Less Than Twelve Months		78,833
Twelve Months or More	167,913	88,642
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	560	8,193
Twelve Months or More	27,126	18,691
Securities Available for Sale, Fair Value
Less Than Twelve Months	24,440	138,807
Twelve Months or More	193,905	80,281
Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months		65,181
Twelve Months or More	253,666	189,912
Securities Held to Maturity, Fair Value
Less Than Twelve Months		513,086
Twelve Months or More	1,260,806	823,467
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	1,252	42,767
Twelve Months or More	297,850	255,285
Securities Available for Sale, Fair Value
Less Than Twelve Months	29,385	459,773
Twelve Months or More	1,574,985	1,238,580
Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months	1,549	30,284
Twelve Months or More	70,608	39,380
Securities Held to Maturity, Fair Value
Less Than Twelve Months	44,665	277,868
Twelve Months or More	343,752	127,128
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	3,230	21,450
Twelve Months or More	103,192	85,842
Securities Available for Sale, Fair Value
Less Than Twelve Months	53,808	274,082
Twelve Months or More	505,968	326,963
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months		14,318
Twelve Months or More	73,410	51,986
Securities Held to Maturity, Fair Value
Less Than Twelve Months		82,895
Twelve Months or More	284,405	213,387
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	7,479	17,156
Twelve Months or More	203,933	181,688
Securities Available for Sale, Fair Value
Less Than Twelve Months	71,072	206,228
Twelve Months or More	891,422	767,002
State and municipal obligations
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	1,400	97,084
Twelve Months or More	179,337	108,799
Securities Available for Sale, Fair Value
Less Than Twelve Months	32,141	616,631
Twelve Months or More	919,535	391,848
Small Business Administration loan-backed securities
Securities Held to Maturity, Gross Unrealized Losses
Twelve Months or More	12,056	12,225
Securities Held to Maturity, Fair Value
Twelve Months or More	42,973	44,862
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	240	2,152
Twelve Months or More	46,922	44,543
Securities Available for Sale, Fair Value
Less Than Twelve Months	93,998	92,535
Twelve Months or More	283,088	264,933
Corporate securities.
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	1,059	2,209
Twelve Months or More	4,077	736
Securities Available for Sale, Fair Value
Less Than Twelve Months	5,439	28,374
Twelve Months or More	$ 19,983	$ 4,264

Investment Securities - Secur_2

Investment Securities - Securities Pledged as Collateral (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Investment Securities
Carrying amount of the securities pledged to collateralize repurchase agreements	$ 7,731,217	$ 8,189,780
Asset Pledged as Collateral [Member]
Investment Securities
Carrying amount of the securities pledged to collateralize repurchase agreements	2,600	2,600
Asset Pledged as Collateral [Member] \| Public Funds Deposits
Investment Securities
Carrying amount of the securities pledged to collateralize repurchase agreements	1,800	1,900
Asset Pledged as Collateral [Member] \| FHLB Advances
Investment Securities
Carrying amount of the securities pledged to collateralize repurchase agreements	716,300	596,100
Asset Pledged as Collateral [Member] \| Interest rate swap
Investment Securities
Carrying amount of the securities pledged to collateralize repurchase agreements	$ 108,300	$ 114,900

Investment Securities - Trading

Investment Securities - Trading Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Investment Securities
Trading securities	$ 56,580	$ 31,263
U.S. Government agencies
Investment Securities
Trading securities	11,049	11,190
Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises
Investment Securities
Trading securities	8,265
Other residential mortgage issued or guaranteed by U.S. government agencies or sponsored enterprises
Investment Securities
Trading securities	3,645
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Investment Securities
Trading securities	11,705	4,589
State and municipal obligations
Investment Securities
Trading securities	20,298	13,993
Other debt securities
Investment Securities
Trading securities	$ 1,618	$ 1,491

Investment Securities - Net gai

Investment Securities - Net gains (losses) on trading securities (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Investment Securities
Net gains (losses) on sales transaction	$ 7	$ (380)	$ (40)	$ (1,620)
Net mark to mark losses	(195)	(458)	(201)	(2,434)
Net losses on trading securities	$ (188)	$ (838)	$ (241)	$ (4,054)

Loans - Summary of loans (Detai

Loans - Summary of loans (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021
Summary of Loans
Total loans	$ 31,536,785		$ 30,177,862
Less allowance for credit losses	(427,392)	$ (370,645)	(356,444)	$ (319,708)	$ (300,396)	$ (301,807)
Loans, net	31,109,393		29,821,418
Deferred costs	61,200		49,700
Unamortized Discounts	59,300		72,100
Accrued interest receivable (AIR)	$ 110,400		$ 105,400
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other Assets.		Other Assets.
Construction and land development
Summary of Loans
Total loans	$ 2,817,125		$ 2,860,360
Consumer Owner Occupied Loans
Summary of Loans
Total loans	5,927,781		5,162,042
Home equity loans
Summary of Loans
Total loans	1,347,714		1,313,168
Commercial and industrial
Summary of Loans
Total loans	5,378,294		5,313,483
Other income producing property
Summary of Loans
Total loans	711,712		696,242
Consumer loans
Summary of Loans
Total loans	1,285,478		1,278,426
Other loans
Summary of Loans
Total loans	6,494		20,989
Commercial loans
Summary of Loans
Total loans	21,966,751		21,430,337
Commercial loans \| Construction and land development
Summary of Loans
Total loans	1,888,746		1,956,300
Commercial loans \| Commercial non-owner occupied
Summary of Loans
Total loans	8,476,236		8,072,959
Commercial loans \| Commercial non-owner occupied real estate.
Summary of Loans
Total loans	5,585,951		5,460,193
Commercial loans \| Consumer Owner Occupied Loans
Summary of Loans
Total loans	38,733		30,741
Commercial loans \| Commercial owner occupied real estate loan
Summary of Loans
Total loans	5,585,951		5,460,193
Commercial loans \| Commercial and industrial
Summary of Loans
Total loans	5,378,294		5,313,483
Commercial loans \| Other income producing property
Summary of Loans
Total loans	592,297		575,672
Commercial loans \| Other loans
Summary of Loans
Total loans	6,494		20,989
Consumer portfolio loans
Summary of Loans
Total loans	9,570,034		8,747,525
Consumer portfolio loans \| Construction and land development
Summary of Loans
Total loans	928,379		904,060
Consumer portfolio loans \| Consumer Owner Occupied Loans
Summary of Loans
Total loans	5,889,048		5,131,301
Consumer portfolio loans \| Home equity loans
Summary of Loans
Total loans	1,347,714		1,313,168
Consumer portfolio loans \| Other income producing property
Summary of Loans
Total loans	119,415		120,570
Consumer portfolio loans \| Consumer loans
Summary of Loans
Total loans	$ 1,285,478		$ 1,278,426

Loans - Loans purchased through

Loans - Loans purchased through its acquisition of Atlantic Capital (Details) - CenterState $ in Thousands	Mar. 01, 2022 USD ($)
Business Acquisition [Line Items]
Book value of acquired loans at acquisition	$ 137,874
Allowance for credit losses at acquisition	(13,758)
Non-credit discount at acquisition	(5,943)
Carrying value or book value of acquired loans at acquisition	$ 118,173

Loans - Credit risk profile by

Loans - Credit risk profile by risk grade of commercial and consumer loans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Loans
Amortized Cost Basis by Origination Year - 2023	$ 2,744,113		$ 2,744,113		$ 8,589,197
Amortized Cost Basis by Origination Year - 2022	8,730,873		8,730,873		6,907,684
Amortized Cost Basis by Origination Year - 2021	6,684,307		6,684,307		3,112,648
Amortized Cost Basis by Origination Year - 2020	2,799,235		2,799,235		2,533,623
Amortized Cost Basis by Origination Year - 2019	2,247,232		2,247,232		1,539,466
Amortized Cost Basis by Origination Year - Prior	5,074,221		5,074,221		4,173,570
Amortized Cost Basis by Origination Year - Revolving	3,256,804		3,256,804		3,321,674
Total loans	31,536,785		31,536,785		30,177,862
Current-period gross charge-offs - 2023			66		291
Current-period gross charge-offs - 2022			3,268		3,478
Current-period gross charge-offs - 2021			3,269		556
Current-period gross charge-offs - 2020			234		2,063
Current-period gross charge-offs - 2019			403		2,299
Current-period gross charge-offs - Prior			763		4,842
Current-period gross charge-offs - Revolving			4,202		9,917
Current-period gross charge-offs - Total	7,578	$ 6,163	12,205	$ 11,653	23,446
30 days past due
Loans
Total loans	58,631		58,631		68,416
60 days past due
Loans
Total loans	20,348		20,348		31,607
90 days past due
Loans
Total loans	4,191		4,191		4,350
Construction and land development
Loans
Total loans	2,817,125		2,817,125		2,860,360
Construction and land development \| 30 days past due
Loans
Total loans	936		936		2,146
Construction and land development \| 60 days past due
Loans
Total loans	105		105		3,653
Construction and land development \| 90 days past due
Loans
Total loans	217		217
Commercial and industrial
Loans
Total loans	5,378,294		5,378,294		5,313,483
Commercial and industrial \| 30 days past due
Loans
Total loans	26,794		26,794		24,500
Commercial and industrial \| 60 days past due
Loans
Total loans	7,006		7,006		11,677
Commercial and industrial \| 90 days past due
Loans
Total loans	2,466		2,466		1,704
Other income producing property
Loans
Total loans	711,712		711,712		696,242
Other income producing property \| 30 days past due
Loans
Total loans	1,713		1,713		1,623
Other income producing property \| 60 days past due
Loans
Total loans					1,480
Other income producing property \| 90 days past due
Loans
Total loans					298
Consumer Owner Occupied Loans
Loans
Total loans	5,927,781		5,927,781		5,162,042
Consumer Owner Occupied Loans \| 30 days past due
Loans
Total loans	3,727		3,727		6,001
Consumer Owner Occupied Loans \| 60 days past due
Loans
Total loans	2,052		2,052		744
Consumer Owner Occupied Loans \| 90 days past due
Loans
Total loans					40
Home equity loans
Loans
Total loans	1,347,714		1,347,714		1,313,168
Home equity loans \| 30 days past due
Loans
Total loans	1,876		1,876		2,527
Home equity loans \| 60 days past due
Loans
Total loans	595		595		361
Consumer loans
Loans
Total loans	1,285,478		1,285,478		1,278,426
Consumer loans \| 30 days past due
Loans
Total loans	15,406		15,406		19,713
Consumer loans \| 60 days past due
Loans
Total loans	9,055		9,055		10,655
Consumer loans \| 90 days past due
Loans
Total loans	1		1
Other loans
Loans
Total loans	6,494		6,494		20,989
Commercial loans
Loans
Amortized Cost Basis by Origination Year - 2023	1,859,907		1,859,907		5,965,333
Amortized Cost Basis by Origination Year - 2022	5,882,808		5,882,808		4,853,572
Amortized Cost Basis by Origination Year - 2021	4,679,839		4,679,839		2,281,793
Amortized Cost Basis by Origination Year - 2020	2,026,018		2,026,018		2,112,230
Amortized Cost Basis by Origination Year - 2019	1,857,437		1,857,437		1,292,239
Amortized Cost Basis by Origination Year - Prior	3,944,100		3,944,100		3,156,201
Amortized Cost Basis by Origination Year - Revolving	1,716,642		1,716,642		1,768,969
Total loans	21,966,751		21,966,751		21,430,337
Current-period gross charge-offs - 2023			967		12
Current-period gross charge-offs - 2022			1,383		2,825
Current-period gross charge-offs - 2021			3,010		198
Current-period gross charge-offs - 2020			38		1,773
Current-period gross charge-offs - 2019			250		2,214
Current-period gross charge-offs - Prior			404		3,828
Current-period gross charge-offs - Revolving			329		1,792
Current-period gross charge-offs - Total			6,381		12,642
Commercial loans \| Pass
Loans
Amortized Cost Basis by Origination Year - 2023	1,806,701		1,806,701		5,911,188
Amortized Cost Basis by Origination Year - 2022	5,785,900		5,785,900		4,719,732
Amortized Cost Basis by Origination Year - 2021	4,579,222		4,579,222		2,245,766
Amortized Cost Basis by Origination Year - 2020	1,935,751		1,935,751		2,053,868
Amortized Cost Basis by Origination Year - 2019	1,774,259		1,774,259		1,227,113
Amortized Cost Basis by Origination Year - Prior	3,718,419		3,718,419		2,968,415
Amortized Cost Basis by Origination Year - Revolving	1,626,004		1,626,004		1,698,688
Total loans	21,226,256		21,226,256		20,824,770
Commercial loans \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2023	32,653		32,653		20,216
Amortized Cost Basis by Origination Year - 2022	65,105		65,105		35,235
Amortized Cost Basis by Origination Year - 2021	29,436		29,436		9,381
Amortized Cost Basis by Origination Year - 2020	59,696		59,696		21,567
Amortized Cost Basis by Origination Year - 2019	25,728		25,728		42,014
Amortized Cost Basis by Origination Year - Prior	92,388		92,388		73,870
Amortized Cost Basis by Origination Year - Revolving	15,727		15,727		33,035
Total loans	320,733		320,733		235,318
Commercial loans \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2023	20,496		20,496		33,528
Amortized Cost Basis by Origination Year - 2022	31,801		31,801		98,604
Amortized Cost Basis by Origination Year - 2021	71,099		71,099		26,645
Amortized Cost Basis by Origination Year - 2020	30,569		30,569		36,716
Amortized Cost Basis by Origination Year - 2019	57,450		57,450		22,956
Amortized Cost Basis by Origination Year - Prior	133,263		133,263		113,348
Amortized Cost Basis by Origination Year - Revolving	74,909		74,909		37,244
Total loans	419,587		419,587		369,041
Commercial loans \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2023	57		57		401
Amortized Cost Basis by Origination Year - 2022	2		2		1
Amortized Cost Basis by Origination Year - 2021	82		82		1
Amortized Cost Basis by Origination Year - 2020	2		2		79
Amortized Cost Basis by Origination Year - 2019					156
Amortized Cost Basis by Origination Year - Prior	30		30		568
Amortized Cost Basis by Origination Year - Revolving	2		2		2
Total loans	175		175		1,208
Commercial loans \| Construction and land development
Loans
Amortized Cost Basis by Origination Year - 2023	220,096		220,096		877,608
Amortized Cost Basis by Origination Year - 2022	934,735		934,735		754,382
Amortized Cost Basis by Origination Year - 2021	565,884		565,884		135,275
Amortized Cost Basis by Origination Year - 2020	50,399		50,399		65,841
Amortized Cost Basis by Origination Year - 2019	15,226		15,226		21,740
Amortized Cost Basis by Origination Year - Prior	38,659		38,659		35,798
Amortized Cost Basis by Origination Year - Revolving	63,747		63,747		65,656
Total loans	1,888,746		1,888,746		1,956,300
Current-period gross charge-offs - Prior			2
Current-period gross charge-offs - Total			2
Commercial loans \| Construction and land development \| Pass
Loans
Amortized Cost Basis by Origination Year - 2023	218,442		218,442		875,751
Amortized Cost Basis by Origination Year - 2022	922,947		922,947		742,985
Amortized Cost Basis by Origination Year - 2021	564,722		564,722		134,996
Amortized Cost Basis by Origination Year - 2020	50,133		50,133		63,439
Amortized Cost Basis by Origination Year - 2019	13,914		13,914		14,521
Amortized Cost Basis by Origination Year - Prior	30,228		30,228		29,442
Amortized Cost Basis by Origination Year - Revolving	63,747		63,747		65,656
Total loans	1,864,133		1,864,133		1,926,790
Commercial loans \| Construction and land development \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2023					1,643
Amortized Cost Basis by Origination Year - 2022	10,424		10,424		988
Amortized Cost Basis by Origination Year - 2021	1,162		1,162		268
Amortized Cost Basis by Origination Year - 2020	13		13		76
Amortized Cost Basis by Origination Year - 2019					7,219
Amortized Cost Basis by Origination Year - Prior	490		490		2,068
Total loans	12,089		12,089		12,262
Commercial loans \| Construction and land development \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2023	1,654		1,654		214
Amortized Cost Basis by Origination Year - 2022	1,364		1,364		10,409
Amortized Cost Basis by Origination Year - 2021					11
Amortized Cost Basis by Origination Year - 2020	253		253		2,326
Amortized Cost Basis by Origination Year - 2019	1,312		1,312
Amortized Cost Basis by Origination Year - Prior	7,936		7,936		4,282
Total loans	12,519		12,519		17,242
Commercial loans \| Construction and land development \| Doubtful
Loans
Amortized Cost Basis by Origination Year - Prior	5		5		6
Total loans	5		5		6
Commercial loans \| Commercial non-owner occupied
Loans
Amortized Cost Basis by Origination Year - 2023	560,955		560,955		2,266,778
Amortized Cost Basis by Origination Year - 2022	2,399,648		2,399,648		1,878,862
Amortized Cost Basis by Origination Year - 2021	2,011,143		2,011,143		818,336
Amortized Cost Basis by Origination Year - 2020	754,037		754,037		980,205
Amortized Cost Basis by Origination Year - 2019	848,366		848,366		536,889
Amortized Cost Basis by Origination Year - Prior	1,822,743		1,822,743		1,475,873
Amortized Cost Basis by Origination Year - Revolving	79,344		79,344		116,016
Total loans	8,476,236		8,476,236		8,072,959
Current-period gross charge-offs - 2023					8
Current-period gross charge-offs - 2021			51
Current-period gross charge-offs - Prior					360
Current-period gross charge-offs - Total			51		368
Commercial loans \| Commercial non-owner occupied \| 30 days past due
Loans
Total loans	1,075		1,075		1,158
Commercial loans \| Commercial non-owner occupied \| 60 days past due
Loans
Total loans	109		109		978
Commercial loans \| Commercial non-owner occupied \| 90 days past due
Loans
Total loans	245		245		77
Commercial loans \| Commercial non-owner occupied \| Pass
Loans
Amortized Cost Basis by Origination Year - 2023	531,832		531,832		2,245,943
Amortized Cost Basis by Origination Year - 2022	2,383,472		2,383,472		1,849,079
Amortized Cost Basis by Origination Year - 2021	1,997,313		1,997,313		816,791
Amortized Cost Basis by Origination Year - 2020	704,995		704,995		959,707
Amortized Cost Basis by Origination Year - 2019	804,870		804,870		506,350
Amortized Cost Basis by Origination Year - Prior	1,728,824		1,728,824		1,417,397
Amortized Cost Basis by Origination Year - Revolving	79,251		79,251		108,759
Total loans	8,230,557		8,230,557		7,904,026
Commercial loans \| Commercial non-owner occupied \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2023	23,012		23,012		7,579
Amortized Cost Basis by Origination Year - 2022	10,493		10,493		4,225
Amortized Cost Basis by Origination Year - 2021	682		682		936
Amortized Cost Basis by Origination Year - 2020	44,468		44,468		11,036
Amortized Cost Basis by Origination Year - 2019	12,518		12,518		24,067
Amortized Cost Basis by Origination Year - Prior	59,635		59,635		32,110
Amortized Cost Basis by Origination Year - Revolving	93		93		5,000
Total loans	150,901		150,901		84,953
Commercial loans \| Commercial non-owner occupied \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2023	6,111		6,111		13,256
Amortized Cost Basis by Origination Year - 2022	5,683		5,683		25,557
Amortized Cost Basis by Origination Year - 2021	13,147		13,147		609
Amortized Cost Basis by Origination Year - 2020	4,574		4,574		9,383
Amortized Cost Basis by Origination Year - 2019	30,978		30,978		6,472
Amortized Cost Basis by Origination Year - Prior	34,284		34,284		26,366
Amortized Cost Basis by Origination Year - Revolving					2,257
Total loans	94,777		94,777		83,900
Commercial loans \| Commercial non-owner occupied \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2022					1
Amortized Cost Basis by Origination Year - 2021	1		1
Amortized Cost Basis by Origination Year - 2020					79
Total loans	1		1		80
Commercial loans \| Commercial owner occupied real estate loan
Loans
Amortized Cost Basis by Origination Year - 2023	340,206		340,206		1,063,043
Amortized Cost Basis by Origination Year - 2022	1,094,980		1,094,980		1,195,762
Amortized Cost Basis by Origination Year - 2021	1,189,430		1,189,430		748,386
Amortized Cost Basis by Origination Year - 2020	715,882		715,882		734,105
Amortized Cost Basis by Origination Year - 2019	720,291		720,291		463,144
Amortized Cost Basis by Origination Year - Prior	1,443,352		1,443,352		1,178,058
Amortized Cost Basis by Origination Year - Revolving	81,810		81,810		77,695
Total loans	5,585,951		5,585,951		5,460,193
Current-period gross charge-offs - 2022			35
Current-period gross charge-offs - 2020					1,143
Current-period gross charge-offs - Prior					833
Current-period gross charge-offs - Total			35		1,976
Commercial loans \| Commercial owner occupied real estate loan \| 30 days past due
Loans
Total loans	7,104		7,104		10,748
Commercial loans \| Commercial owner occupied real estate loan \| 60 days past due
Loans
Total loans	1,426		1,426		2,059
Commercial loans \| Commercial owner occupied real estate loan \| 90 days past due
Loans
Total loans	1,262		1,262		2,231
Commercial loans \| Commercial owner occupied real estate loan \| Pass
Loans
Amortized Cost Basis by Origination Year - 2023	330,520		330,520		1,046,562
Amortized Cost Basis by Origination Year - 2022	1,047,572		1,047,572		1,136,289
Amortized Cost Basis by Origination Year - 2021	1,134,877		1,134,877		725,040
Amortized Cost Basis by Origination Year - 2020	682,805		682,805		709,669
Amortized Cost Basis by Origination Year - 2019	693,419		693,419		446,497
Amortized Cost Basis by Origination Year - Prior	1,346,100		1,346,100		1,080,522
Amortized Cost Basis by Origination Year - Revolving	80,999		80,999		75,506
Total loans	5,316,292		5,316,292		5,220,085
Commercial loans \| Commercial owner occupied real estate loan \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2023	936		936		3,620
Amortized Cost Basis by Origination Year - 2022	31,639		31,639		25,263
Amortized Cost Basis by Origination Year - 2021	22,812		22,812		3,383
Amortized Cost Basis by Origination Year - 2020	14,094		14,094		7,934
Amortized Cost Basis by Origination Year - 2019	10,094		10,094		7,160
Amortized Cost Basis by Origination Year - Prior	28,564		28,564		34,724
Amortized Cost Basis by Origination Year - Revolving	381		381		1,294
Total loans	108,520		108,520		83,378
Commercial loans \| Commercial owner occupied real estate loan \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2023	8,750		8,750		12,861
Amortized Cost Basis by Origination Year - 2022	15,769		15,769		34,210
Amortized Cost Basis by Origination Year - 2021	31,741		31,741		19,962
Amortized Cost Basis by Origination Year - 2020	18,982		18,982		16,502
Amortized Cost Basis by Origination Year - 2019	16,778		16,778		9,487
Amortized Cost Basis by Origination Year - Prior	68,684		68,684		62,808
Amortized Cost Basis by Origination Year - Revolving	430		430		895
Total loans	161,134		161,134		156,725
Commercial loans \| Commercial owner occupied real estate loan \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2021					1
Amortized Cost Basis by Origination Year - 2020	1		1
Amortized Cost Basis by Origination Year - Prior	4		4		4
Total loans	5		5		5
Commercial loans \| Commercial and industrial
Loans
Amortized Cost Basis by Origination Year - 2023	686,489		686,489		1,578,396
Amortized Cost Basis by Origination Year - 2022	1,289,230		1,289,230		927,124
Amortized Cost Basis by Origination Year - 2021	803,246		803,246		514,826
Amortized Cost Basis by Origination Year - 2020	445,674		445,674		282,896
Amortized Cost Basis by Origination Year - 2019	226,780		226,780		222,838
Amortized Cost Basis by Origination Year - Prior	500,667		500,667		343,500
Amortized Cost Basis by Origination Year - Revolving	1,426,208		1,426,208		1,443,903
Total loans	5,378,294		5,378,294		5,313,483
Current-period gross charge-offs - 2023			967		4
Current-period gross charge-offs - 2022			1,348		2,825
Current-period gross charge-offs - 2021			2,959		198
Current-period gross charge-offs - 2020			38		630
Current-period gross charge-offs - 2019			250		2,214
Current-period gross charge-offs - Prior			402		2,589
Current-period gross charge-offs - Revolving			329		1,742
Current-period gross charge-offs - Total			6,293		10,202
Commercial loans \| Commercial and industrial \| Pass
Loans
Amortized Cost Basis by Origination Year - 2023	674,204		674,204		1,566,203
Amortized Cost Basis by Origination Year - 2022	1,269,467		1,269,467		895,368
Amortized Cost Basis by Origination Year - 2021	774,899		774,899		506,655
Amortized Cost Basis by Origination Year - 2020	439,202		439,202		274,446
Amortized Cost Basis by Origination Year - 2019	217,999		217,999		212,522
Amortized Cost Basis by Origination Year - Prior	484,451		484,451		333,286
Amortized Cost Basis by Origination Year - Revolving	1,338,102		1,338,102		1,386,678
Total loans	5,198,324		5,198,324		5,175,158
Commercial loans \| Commercial and industrial \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2023	8,534		8,534		5,885
Amortized Cost Basis by Origination Year - 2022	11,437		11,437		3,782
Amortized Cost Basis by Origination Year - 2021	3,965		3,965		3,401
Amortized Cost Basis by Origination Year - 2020	914		914		1,859
Amortized Cost Basis by Origination Year - 2019	2,539		2,539		3,378
Amortized Cost Basis by Origination Year - Prior	993		993		1,316
Amortized Cost Basis by Origination Year - Revolving	13,775		13,775		24,347
Total loans	42,157		42,157		43,968
Commercial loans \| Commercial and industrial \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2023	3,694		3,694		6,308
Amortized Cost Basis by Origination Year - 2022	8,324		8,324		27,974
Amortized Cost Basis by Origination Year - 2021	24,301		24,301		4,770
Amortized Cost Basis by Origination Year - 2020	5,557		5,557		6,591
Amortized Cost Basis by Origination Year - 2019	6,242		6,242		6,783
Amortized Cost Basis by Origination Year - Prior	15,208		15,208		8,476
Amortized Cost Basis by Origination Year - Revolving	74,329		74,329		32,876
Total loans	137,655		137,655		93,778
Commercial loans \| Commercial and industrial \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2023	57		57
Amortized Cost Basis by Origination Year - 2022	2		2
Amortized Cost Basis by Origination Year - 2021	81		81
Amortized Cost Basis by Origination Year - 2020	1		1
Amortized Cost Basis by Origination Year - 2019					155
Amortized Cost Basis by Origination Year - Prior	15		15		422
Amortized Cost Basis by Origination Year - Revolving	2		2		2
Total loans	158		158		579
Commercial loans \| Other income producing property
Loans
Amortized Cost Basis by Origination Year - 2023	40,053		40,053		152,022
Amortized Cost Basis by Origination Year - 2022	159,028		159,028		94,203
Amortized Cost Basis by Origination Year - 2021	107,194		107,194		63,011
Amortized Cost Basis by Origination Year - 2020	57,492		57,492		46,867
Amortized Cost Basis by Origination Year - 2019	44,563		44,563		47,559
Amortized Cost Basis by Origination Year - Prior	138,039		138,039		122,438
Amortized Cost Basis by Origination Year - Revolving	45,928		45,928		49,572
Total loans	592,297		592,297		575,672
Current-period gross charge-offs - Prior					46
Current-period gross charge-offs - Revolving					50
Current-period gross charge-offs - Total					96
Commercial loans \| Other income producing property \| Pass
Loans
Amortized Cost Basis by Origination Year - 2023	39,690		39,690		149,793
Amortized Cost Basis by Origination Year - 2022	157,778		157,778		92,887
Amortized Cost Basis by Origination Year - 2021	104,488		104,488		60,473
Amortized Cost Basis by Origination Year - 2020	57,141		57,141		46,189
Amortized Cost Basis by Origination Year - 2019	43,710		43,710		47,155
Amortized Cost Basis by Origination Year - Prior	128,364		128,364		107,436
Amortized Cost Basis by Origination Year - Revolving	44,450		44,450		46,179
Total loans	575,621		575,621		550,112
Commercial loans \| Other income producing property \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2023	76		76		952
Amortized Cost Basis by Origination Year - 2022	591		591		957
Amortized Cost Basis by Origination Year - 2021	796		796		1,257
Amortized Cost Basis by Origination Year - 2020	78		78		378
Amortized Cost Basis by Origination Year - 2019	300		300		190
Amortized Cost Basis by Origination Year - Prior	2,706		2,706		3,652
Amortized Cost Basis by Origination Year - Revolving	1,478		1,478		2,328
Total loans	6,025		6,025		9,714
Commercial loans \| Other income producing property \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2023	287		287		876
Amortized Cost Basis by Origination Year - 2022	659		659		359
Amortized Cost Basis by Origination Year - 2021	1,910		1,910		1,281
Amortized Cost Basis by Origination Year - 2020	273		273		300
Amortized Cost Basis by Origination Year - 2019	553		553		214
Amortized Cost Basis by Origination Year - Prior	6,964		6,964		11,214
Amortized Cost Basis by Origination Year - Revolving					1,065
Total loans	10,646		10,646		15,309
Commercial loans \| Other income producing property \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2023					401
Amortized Cost Basis by Origination Year - Prior	5		5		136
Total loans	5		5		537
Commercial loans \| Consumer Owner Occupied Loans
Loans
Amortized Cost Basis by Origination Year - 2023	5,614		5,614		6,497
Amortized Cost Basis by Origination Year - 2022	5,187		5,187		3,239
Amortized Cost Basis by Origination Year - 2021	2,942		2,942		1,959
Amortized Cost Basis by Origination Year - 2020	2,534		2,534		2,316
Amortized Cost Basis by Origination Year - 2019	2,211		2,211		69
Amortized Cost Basis by Origination Year - Prior	640		640		534
Amortized Cost Basis by Origination Year - Revolving	19,605		19,605		16,127
Total loans	38,733		38,733		30,741
Commercial loans \| Consumer Owner Occupied Loans \| Pass
Loans
Amortized Cost Basis by Origination Year - 2023	5,519		5,519		5,947
Amortized Cost Basis by Origination Year - 2022	4,664		4,664		3,124
Amortized Cost Basis by Origination Year - 2021	2,923		2,923		1,811
Amortized Cost Basis by Origination Year - 2020	1,475		1,475		418
Amortized Cost Basis by Origination Year - 2019	347		347		68
Amortized Cost Basis by Origination Year - Prior	452		452		332
Amortized Cost Basis by Origination Year - Revolving	19,455		19,455		15,910
Total loans	34,835		34,835		27,610
Commercial loans \| Consumer Owner Occupied Loans \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2023	95		95		537
Amortized Cost Basis by Origination Year - 2022	521		521		20
Amortized Cost Basis by Origination Year - 2021	19		19		136
Amortized Cost Basis by Origination Year - 2020	129		129		284
Amortized Cost Basis by Origination Year - 2019	277		277
Amortized Cost Basis by Origination Year - Revolving					66
Total loans	1,041		1,041		1,043
Commercial loans \| Consumer Owner Occupied Loans \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2023					13
Amortized Cost Basis by Origination Year - 2022	2		2		95
Amortized Cost Basis by Origination Year - 2021					12
Amortized Cost Basis by Origination Year - 2020	930		930		1,614
Amortized Cost Basis by Origination Year - 2019	1,587		1,587
Amortized Cost Basis by Origination Year - Prior	187		187		202
Amortized Cost Basis by Origination Year - Revolving	150		150		151
Total loans	2,856		2,856		2,087
Commercial loans \| Consumer Owner Occupied Loans \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2019					1
Amortized Cost Basis by Origination Year - Prior	1		1
Total loans	1		1		1
Commercial loans \| Other loans
Loans
Amortized Cost Basis by Origination Year - 2023	6,494		6,494		20,989
Total loans	6,494		6,494		20,989
Commercial loans \| Other loans \| Pass
Loans
Amortized Cost Basis by Origination Year - 2023	6,494		6,494		20,989
Total loans	6,494		6,494		20,989
Consumer portfolio loans
Loans
Amortized Cost Basis by Origination Year - 2023	884,206		884,206		2,623,864
Amortized Cost Basis by Origination Year - 2022	2,848,065		2,848,065		2,054,112
Amortized Cost Basis by Origination Year - 2021	2,004,468		2,004,468		830,855
Amortized Cost Basis by Origination Year - 2020	773,217		773,217		421,393
Amortized Cost Basis by Origination Year - 2019	389,795		389,795		247,227
Amortized Cost Basis by Origination Year - Prior	1,130,121		1,130,121		1,017,369
Amortized Cost Basis by Origination Year - Revolving	1,540,162		1,540,162		1,552,705
Total loans	9,570,034		9,570,034		8,747,525
Current-period gross charge-offs - 2023			64		279
Current-period gross charge-offs - 2022			920		653
Current-period gross charge-offs - 2021			259		358
Current-period gross charge-offs - 2020			196		290
Current-period gross charge-offs - 2019			153		85
Current-period gross charge-offs - Prior			359		1,014
Current-period gross charge-offs - Revolving			3,873		8,125
Current-period gross charge-offs - Total			5,824		10,804
Consumer portfolio loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2023	884,132		884,132		2,621,392
Amortized Cost Basis by Origination Year - 2022	2,844,043		2,844,043		2,051,220
Amortized Cost Basis by Origination Year - 2021	2,001,533		2,001,533		826,906
Amortized Cost Basis by Origination Year - 2020	771,232		771,232		419,742
Amortized Cost Basis by Origination Year - 2019	388,588		388,588		245,166
Amortized Cost Basis by Origination Year - Prior	1,118,705		1,118,705		1,005,834
Amortized Cost Basis by Origination Year - Revolving	1,513,985		1,513,985		1,522,165
Total loans	9,522,218		9,522,218		8,692,425
Consumer portfolio loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	30		30		2,036
Amortized Cost Basis by Origination Year - 2022	1,896		1,896		1,448
Amortized Cost Basis by Origination Year - 2021	1,806		1,806		1,914
Amortized Cost Basis by Origination Year - 2020	788		788		972
Amortized Cost Basis by Origination Year - 2019	472		472		776
Amortized Cost Basis by Origination Year - Prior	3,365		3,365		3,810
Amortized Cost Basis by Origination Year - Revolving	15,119		15,119		19,057
Total loans	23,476		23,476		30,013
Consumer portfolio loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	1		1		310
Amortized Cost Basis by Origination Year - 2022	599		599		440
Amortized Cost Basis by Origination Year - 2021	988		988		705
Amortized Cost Basis by Origination Year - 2020	332		332		72
Amortized Cost Basis by Origination Year - 2019	152		152		456
Amortized Cost Basis by Origination Year - Prior	2,808		2,808		2,256
Amortized Cost Basis by Origination Year - Revolving	8,752		8,752		10,376
Total loans	13,632		13,632		14,615
Consumer portfolio loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	43		43		126
Amortized Cost Basis by Origination Year - 2022	1,527		1,527		1,004
Amortized Cost Basis by Origination Year - 2021	141		141		1,330
Amortized Cost Basis by Origination Year - 2020	865		865		607
Amortized Cost Basis by Origination Year - 2019	583		583		829
Amortized Cost Basis by Origination Year - Prior	5,243		5,243		5,469
Amortized Cost Basis by Origination Year - Revolving	2,306		2,306		1,107
Total loans	10,708		10,708		10,472
Consumer portfolio loans \| Construction and land development
Loans
Amortized Cost Basis by Origination Year - 2023	62,289		62,289		466,477
Amortized Cost Basis by Origination Year - 2022	600,901		600,901		351,485
Amortized Cost Basis by Origination Year - 2021	208,596		208,596		50,908
Amortized Cost Basis by Origination Year - 2020	29,687		29,687		14,110
Amortized Cost Basis by Origination Year - 2019	9,897		9,897		7,029
Amortized Cost Basis by Origination Year - Prior	17,009		17,009		13,672
Amortized Cost Basis by Origination Year - Revolving					379
Total loans	928,379		928,379		904,060
Current-period gross charge-offs - 2021					21
Current-period gross charge-offs - Prior					4
Current-period gross charge-offs - Total					25
Consumer portfolio loans \| Construction and land development \| Current due
Loans
Amortized Cost Basis by Origination Year - 2023	62,286		62,286		466,475
Amortized Cost Basis by Origination Year - 2022	600,901		600,901		351,485
Amortized Cost Basis by Origination Year - 2021	208,596		208,596		50,472
Amortized Cost Basis by Origination Year - 2020	29,686		29,686		14,053
Amortized Cost Basis by Origination Year - 2019	9,897		9,897		7,006
Amortized Cost Basis by Origination Year - Prior	16,777		16,777		13,588
Amortized Cost Basis by Origination Year - Revolving					379
Total loans	928,143		928,143		903,458
Consumer portfolio loans \| Construction and land development \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	3		3		2
Amortized Cost Basis by Origination Year - 2020					57
Amortized Cost Basis by Origination Year - 2019					23
Amortized Cost Basis by Origination Year - Prior	167		167		43
Total loans	170		170		125
Consumer portfolio loans \| Construction and land development \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - Prior	65		65
Total loans	65		65
Consumer portfolio loans \| Construction and land development \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2021					436
Amortized Cost Basis by Origination Year - 2020	1		1
Amortized Cost Basis by Origination Year - Prior					41
Total loans	1		1		477
Consumer portfolio loans \| Commercial non-owner occupied
Loans
Current-period gross charge-offs - 2022			37
Current-period gross charge-offs - Prior			2
Current-period gross charge-offs - Total			39
Consumer portfolio loans \| Other income producing property
Loans
Amortized Cost Basis by Origination Year - 2023	6,239		6,239		45,717
Amortized Cost Basis by Origination Year - 2022	45,046		45,046		21,421
Amortized Cost Basis by Origination Year - 2021	19,131		19,131		4,937
Amortized Cost Basis by Origination Year - 2020	4,759		4,759		2,663
Amortized Cost Basis by Origination Year - 2019	2,578		2,578		4,322
Amortized Cost Basis by Origination Year - Prior	41,376		41,376		40,886
Amortized Cost Basis by Origination Year - Revolving	286		286		624
Total loans	119,415		119,415		120,570
Consumer portfolio loans \| Other income producing property \| Current due
Loans
Amortized Cost Basis by Origination Year - 2023	6,239		6,239		45,717
Amortized Cost Basis by Origination Year - 2022	45,046		45,046		21,421
Amortized Cost Basis by Origination Year - 2021	19,131		19,131		4,937
Amortized Cost Basis by Origination Year - 2020	4,759		4,759		2,663
Amortized Cost Basis by Origination Year - 2019	2,578		2,578		4,322
Amortized Cost Basis by Origination Year - Prior	41,060		41,060		40,680
Amortized Cost Basis by Origination Year - Revolving	286		286		624
Total loans	119,099		119,099		120,364
Consumer portfolio loans \| Other income producing property \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - Prior	61		61		62
Total loans	61		61		62
Consumer portfolio loans \| Other income producing property \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - Prior					23
Total loans					23
Consumer portfolio loans \| Other income producing property \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - Prior	255		255		121
Total loans	255		255		121
Consumer portfolio loans \| Consumer Owner Occupied Loans
Loans
Amortized Cost Basis by Origination Year - 2023	609,226		609,226		1,697,025
Amortized Cost Basis by Origination Year - 2022	1,839,720		1,839,720		1,469,615
Amortized Cost Basis by Origination Year - 2021	1,601,075		1,601,075		660,041
Amortized Cost Basis by Origination Year - 2020	644,690		644,690		316,576
Amortized Cost Basis by Origination Year - 2019	304,466		304,466		188,758
Amortized Cost Basis by Origination Year - Prior	889,870		889,870		799,286
Amortized Cost Basis by Origination Year - Revolving	1		1
Total loans	5,889,048		5,889,048		5,131,301
Current-period gross charge-offs - 2023					25
Current-period gross charge-offs - 2020					6
Current-period gross charge-offs - 2019					23
Current-period gross charge-offs - Prior					66
Current-period gross charge-offs - Total					120
Consumer portfolio loans \| Consumer Owner Occupied Loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2023	609,226		609,226		1,695,454
Amortized Cost Basis by Origination Year - 2022	1,836,525		1,836,525		1,467,080
Amortized Cost Basis by Origination Year - 2021	1,598,865		1,598,865		657,005
Amortized Cost Basis by Origination Year - 2020	642,978		642,978		315,458
Amortized Cost Basis by Origination Year - 2019	303,557		303,557		187,580
Amortized Cost Basis by Origination Year - Prior	883,000		883,000		792,572
Total loans	5,874,151		5,874,151		5,115,149
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2023					1,316
Amortized Cost Basis by Origination Year - 2022	1,351		1,351		1,254
Amortized Cost Basis by Origination Year - 2021	1,346		1,346		1,681
Amortized Cost Basis by Origination Year - 2020	727		727		664
Amortized Cost Basis by Origination Year - 2019	344		344		272
Amortized Cost Basis by Origination Year - Prior	1,651		1,651		2,028
Amortized Cost Basis by Origination Year - Revolving	1		1
Total loans	5,420		5,420		7,215
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2023					255
Amortized Cost Basis by Origination Year - 2022	466		466		337
Amortized Cost Basis by Origination Year - 2021	864		864		579
Amortized Cost Basis by Origination Year - 2020	164		164
Amortized Cost Basis by Origination Year - 2019	53		53		242
Amortized Cost Basis by Origination Year - Prior	1,499		1,499		1,650
Total loans	3,046		3,046		3,063
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2022	1,378		1,378		944
Amortized Cost Basis by Origination Year - 2021					776
Amortized Cost Basis by Origination Year - 2020	821		821		454
Amortized Cost Basis by Origination Year - 2019	512		512		664
Amortized Cost Basis by Origination Year - Prior	3,720		3,720		3,036
Total loans	6,431		6,431		5,874
Consumer portfolio loans \| Home equity loans
Loans
Amortized Cost Basis by Origination Year - 2023	3,728		3,728		5,921
Amortized Cost Basis by Origination Year - 2022	6,358		6,358		5,231
Amortized Cost Basis by Origination Year - 2021	5,009		5,009		3,516
Amortized Cost Basis by Origination Year - 2020	3,016		3,016		1,760
Amortized Cost Basis by Origination Year - 2019	1,302		1,302		2,443
Amortized Cost Basis by Origination Year - Prior	16,696		16,696		19,000
Amortized Cost Basis by Origination Year - Revolving	1,311,605		1,311,605		1,275,297
Total loans	1,347,714		1,347,714		1,313,168
Current-period gross charge-offs - 2020			39		19
Current-period gross charge-offs - Prior					280
Current-period gross charge-offs - Revolving					146
Current-period gross charge-offs - Total			39		445
Consumer portfolio loans \| Home equity loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2023	3,686		3,686		5,921
Amortized Cost Basis by Origination Year - 2022	6,269		6,269		5,231
Amortized Cost Basis by Origination Year - 2021	4,853		4,853		3,282
Amortized Cost Basis by Origination Year - 2020	2,958		2,958		1,560
Amortized Cost Basis by Origination Year - 2019	1,212		1,212		1,955
Amortized Cost Basis by Origination Year - Prior	15,534		15,534		17,941
Amortized Cost Basis by Origination Year - Revolving	1,308,808		1,308,808		1,272,848
Total loans	1,343,320		1,343,320		1,308,738
Consumer portfolio loans \| Home equity loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2021	156		156		155
Amortized Cost Basis by Origination Year - 2020	43		43		77
Amortized Cost Basis by Origination Year - 2019	89		89		418
Amortized Cost Basis by Origination Year - Prior	425		425		422
Amortized Cost Basis by Origination Year - Revolving	1,539		1,539		1,586
Total loans	2,252		2,252		2,658
Consumer portfolio loans \| Home equity loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2022	40		40
Amortized Cost Basis by Origination Year - 2021					19
Amortized Cost Basis by Origination Year - 2020					36
Amortized Cost Basis by Origination Year - 2019					70
Amortized Cost Basis by Origination Year - Prior	507		507		26
Amortized Cost Basis by Origination Year - Revolving	731		731		540
Total loans	1,278		1,278		691
Consumer portfolio loans \| Home equity loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	42		42
Amortized Cost Basis by Origination Year - 2022	49		49
Amortized Cost Basis by Origination Year - 2021					60
Amortized Cost Basis by Origination Year - 2020	15		15		87
Amortized Cost Basis by Origination Year - 2019	1		1
Amortized Cost Basis by Origination Year - Prior	230		230		611
Amortized Cost Basis by Origination Year - Revolving	527		527		323
Total loans	864		864		1,081
Consumer portfolio loans \| Consumer loans
Loans
Amortized Cost Basis by Origination Year - 2023	202,724		202,724		408,724
Amortized Cost Basis by Origination Year - 2022	356,040		356,040		206,360
Amortized Cost Basis by Origination Year - 2021	170,657		170,657		111,453
Amortized Cost Basis by Origination Year - 2020	91,065		91,065		86,284
Amortized Cost Basis by Origination Year - 2019	71,552		71,552		44,675
Amortized Cost Basis by Origination Year - Prior	165,170		165,170		144,525
Amortized Cost Basis by Origination Year - Revolving	228,270		228,270		276,405
Total loans	1,285,478		1,285,478		1,278,426
Current-period gross charge-offs - 2023			64		254
Current-period gross charge-offs - 2022			883		653
Current-period gross charge-offs - 2021			259		337
Current-period gross charge-offs - 2020			157		265
Current-period gross charge-offs - 2019			153		62
Current-period gross charge-offs - Prior			357		664
Current-period gross charge-offs - Revolving			3,873		7,979
Current-period gross charge-offs - Total			5,746		10,214
Consumer portfolio loans \| Consumer loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2023	202,695		202,695		407,825
Amortized Cost Basis by Origination Year - 2022	355,302		355,302		206,003
Amortized Cost Basis by Origination Year - 2021	170,088		170,088		111,210
Amortized Cost Basis by Origination Year - 2020	90,851		90,851		86,008
Amortized Cost Basis by Origination Year - 2019	71,344		71,344		44,303
Amortized Cost Basis by Origination Year - Prior	162,334		162,334		141,053
Amortized Cost Basis by Origination Year - Revolving	204,891		204,891		248,314
Total loans	1,257,505		1,257,505		1,244,716
Consumer portfolio loans \| Consumer loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	27		27		718
Amortized Cost Basis by Origination Year - 2022	545		545		194
Amortized Cost Basis by Origination Year - 2021	304		304		78
Amortized Cost Basis by Origination Year - 2020	18		18		174
Amortized Cost Basis by Origination Year - 2019	39		39		63
Amortized Cost Basis by Origination Year - Prior	1,061		1,061		1,255
Amortized Cost Basis by Origination Year - Revolving	13,579		13,579		17,471
Total loans	15,573		15,573		19,953
Consumer portfolio loans \| Consumer loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	1		1		55
Amortized Cost Basis by Origination Year - 2022	93		93		103
Amortized Cost Basis by Origination Year - 2021	124		124		107
Amortized Cost Basis by Origination Year - 2020	168		168		36
Amortized Cost Basis by Origination Year - 2019	99		99		144
Amortized Cost Basis by Origination Year - Prior	737		737		557
Amortized Cost Basis by Origination Year - Revolving	8,021		8,021		9,836
Total loans	9,243		9,243		10,838
Consumer portfolio loans \| Consumer loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	1		1		126
Amortized Cost Basis by Origination Year - 2022	100		100		60
Amortized Cost Basis by Origination Year - 2021	141		141		58
Amortized Cost Basis by Origination Year - 2020	28		28		66
Amortized Cost Basis by Origination Year - 2019	70		70		165
Amortized Cost Basis by Origination Year - Prior	1,038		1,038		1,660
Amortized Cost Basis by Origination Year - Revolving	1,779		1,779		784
Total loans	$ 3,157		$ 3,157		$ 2,919

Loans - Aging analysis of past

Loans - Aging analysis of past due loans (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Loans and Allowance for Loan Losses
Non-Accruing	$ 165,506	$ 104,225
Total loans	31,536,785	30,177,862
30 days past due
Loans and Allowance for Loan Losses
Total loans	58,631	68,416
60 days past due
Loans and Allowance for Loan Losses
Total loans	20,348	31,607
90 days past due
Loans and Allowance for Loan Losses
Total loans	4,191	4,350
Total Past Due
Loans and Allowance for Loan Losses
Total loans	83,170	104,373
Current
Loans and Allowance for Loan Losses
Total loans	31,288,109	29,969,264
Non-acquired loans
Loans and Allowance for Loan Losses
Total loans	24,990,889	22,805,039
Construction and land development
Loans and Allowance for Loan Losses
Non-Accruing	344	827
Total loans	2,817,125	2,860,360
Construction and land development \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	936	2,146
Construction and land development \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	105	3,653
Construction and land development \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	217
Construction and land development \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	1,258	5,799
Construction and land development \| Current
Loans and Allowance for Loan Losses
Total loans	2,815,523	2,853,734
Consumer Owner Occupied Loans
Loans and Allowance for Loan Losses
Non-Accruing	19,890	17,307
Total loans	5,927,781	5,162,042
Consumer Owner Occupied Loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	3,727	6,001
Consumer Owner Occupied Loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	2,052	744
Consumer Owner Occupied Loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans		40
Consumer Owner Occupied Loans \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	5,779	6,785
Consumer Owner Occupied Loans \| Current
Loans and Allowance for Loan Losses
Total loans	5,902,112	5,137,950
Home equity loans
Loans and Allowance for Loan Losses
Non-Accruing	4,707	6,316
Total loans	1,347,714	1,313,168
Home equity loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	1,876	2,527
Home equity loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	595	361
Home equity loans \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	2,471	2,888
Home equity loans \| Current
Loans and Allowance for Loan Losses
Total loans	1,340,536	1,303,964
Commercial and industrial
Loans and Allowance for Loan Losses
Non-Accruing	59,377	17,129
Total loans	5,378,294	5,313,483
Commercial and industrial \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	26,794	24,500
Commercial and industrial \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	7,006	11,677
Commercial and industrial \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	2,466	1,704
Commercial and industrial \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	36,266	37,881
Commercial and industrial \| Current
Loans and Allowance for Loan Losses
Total loans	5,282,651	5,258,473
Other income producing property
Loans and Allowance for Loan Losses
Non-Accruing	3,796	2,734
Total loans	711,712	696,242
Other income producing property \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	1,713	1,623
Other income producing property \| 60 days past due
Loans and Allowance for Loan Losses
Total loans		1,480
Other income producing property \| 90 days past due
Loans and Allowance for Loan Losses
Total loans		298
Other income producing property \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	1,713	3,401
Other income producing property \| Current
Loans and Allowance for Loan Losses
Total loans	706,203	690,107
Consumer loans
Loans and Allowance for Loan Losses
Non-Accruing	4,888	4,398
Total loans	1,285,478	1,278,426
Consumer loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	15,406	19,713
Consumer loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	9,055	10,655
Consumer loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	1
Consumer loans \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	24,462	30,368
Consumer loans \| Current
Loans and Allowance for Loan Losses
Total loans	1,256,128	1,243,660
Other loans
Loans and Allowance for Loan Losses
Total loans	6,494	20,989
Other loans \| Current
Loans and Allowance for Loan Losses
Total loans	6,494	20,989
Commercial loans
Loans and Allowance for Loan Losses
Total loans	21,966,751	21,430,337
Commercial loans \| Construction and land development
Loans and Allowance for Loan Losses
Total loans	1,888,746	1,956,300
Commercial loans \| Commercial non-owner occupied
Loans and Allowance for Loan Losses
Non-Accruing	23,891	20,425
Total loans	8,476,236	8,072,959
Commercial loans \| Commercial non-owner occupied \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	1,075	1,158
Commercial loans \| Commercial non-owner occupied \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	109	978
Commercial loans \| Commercial non-owner occupied \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	245	77
Commercial loans \| Commercial non-owner occupied \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	1,429	2,213
Commercial loans \| Commercial non-owner occupied \| Current
Loans and Allowance for Loan Losses
Total loans	8,450,916	8,050,321
Commercial loans \| Commercial owner occupied real estate loan
Loans and Allowance for Loan Losses
Non-Accruing	48,613	35,089
Total loans	5,585,951	5,460,193
Commercial loans \| Commercial owner occupied real estate loan \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	7,104	10,748
Commercial loans \| Commercial owner occupied real estate loan \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	1,426	2,059
Commercial loans \| Commercial owner occupied real estate loan \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	1,262	2,231
Commercial loans \| Commercial owner occupied real estate loan \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	9,792	15,038
Commercial loans \| Commercial owner occupied real estate loan \| Current
Loans and Allowance for Loan Losses
Total loans	5,527,546	5,410,066
Commercial loans \| Consumer Owner Occupied Loans
Loans and Allowance for Loan Losses
Total loans	38,733	30,741
Commercial loans \| Commercial and industrial
Loans and Allowance for Loan Losses
Total loans	5,378,294	5,313,483
Commercial loans \| Other income producing property
Loans and Allowance for Loan Losses
Total loans	592,297	575,672
Commercial loans \| Other loans
Loans and Allowance for Loan Losses
Total loans	6,494	20,989
Consumer portfolio loans
Loans and Allowance for Loan Losses
Total loans	9,570,034	8,747,525
Consumer portfolio loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	23,476	30,013
Consumer portfolio loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	13,632	14,615
Consumer portfolio loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	10,708	10,472
Consumer portfolio loans \| Construction and land development
Loans and Allowance for Loan Losses
Total loans	928,379	904,060
Consumer portfolio loans \| Construction and land development \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	170	125
Consumer portfolio loans \| Construction and land development \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	65
Consumer portfolio loans \| Construction and land development \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	1	477
Consumer portfolio loans \| Consumer Owner Occupied Loans
Loans and Allowance for Loan Losses
Total loans	5,889,048	5,131,301
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	5,420	7,215
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	3,046	3,063
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	6,431	5,874
Consumer portfolio loans \| Home equity loans
Loans and Allowance for Loan Losses
Total loans	1,347,714	1,313,168
Consumer portfolio loans \| Home equity loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	2,252	2,658
Consumer portfolio loans \| Home equity loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	1,278	691
Consumer portfolio loans \| Home equity loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	864	1,081
Consumer portfolio loans \| Other income producing property
Loans and Allowance for Loan Losses
Total loans	119,415	120,570
Consumer portfolio loans \| Other income producing property \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	61	62
Consumer portfolio loans \| Other income producing property \| 60 days past due
Loans and Allowance for Loan Losses
Total loans		23
Consumer portfolio loans \| Other income producing property \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	255	121
Consumer portfolio loans \| Consumer loans
Loans and Allowance for Loan Losses
Total loans	1,285,478	1,278,426
Consumer portfolio loans \| Consumer loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	15,573	19,953
Consumer portfolio loans \| Consumer loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	9,243	10,838
Consumer portfolio loans \| Consumer loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	$ 3,157	$ 2,919

Loans - Nonaccrual loans (Detai

Loans - Nonaccrual loans (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	$ 165,506	$ 104,225
Greater than 90 Days Accruing	4,191
Non-accrual with no allowance	65,058
Other income producing property
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	3,796	2,734
Commercial loans \| Construction and land development
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	344	827
Greater than 90 Days Accruing	217
Non-accrual with no allowance	7
Commercial loans \| Commercial non-owner occupied
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	23,891	20,425
Greater than 90 Days Accruing	245
Non-accrual with no allowance	14,391
Commercial loans \| Commercial owner occupied real estate loan
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	48,613	35,089
Greater than 90 Days Accruing	1,262
Non-accrual with no allowance	15,057
Commercial loans \| Commercial and industrial
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	59,377	17,129
Greater than 90 Days Accruing	2,466
Non-accrual with no allowance	35,603
Consumer portfolio loans \| Consumer Owner Occupied Loans
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	19,890	17,307
Consumer portfolio loans \| Home equity loans
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	4,707	6,316
Consumer portfolio loans \| Consumer loans
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	4,888	$ 4,398
Greater than 90 Days Accruing	$ 1

Loans - Collateral Dependent Lo

Loans - Collateral Dependent Loans (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2023	Dec. 31, 2022
Loans and Allowance for Loan Losses
Loans individually evaluated for impairment	$ 1,000
Financing Receivable, Threshold Loss on Modifications Estimated	1,000
Increase in overall collateral dependent loans	$ (66,500)
Number of months generally required to return to accruing status	6 months
Commercial non-owner occupied
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 93,959	$ 27,419
Collateral Coverage	126,736	57,062
Commercial non-owner occupied \| Other
Loans and Allowance for Loan Losses
Collateral dependent loans	13,451	6,450
Collateral Coverage	$ 27,922	$ 10,900
Collateral Coverage (as a percent)	208%	169%
Commercial non-owner occupied \| Retail
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 3,327
Collateral Coverage	$ 4,950
Collateral Coverage (as a percent)	149%
Commercial owner occupied real estate loan \| Industrial
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 15,728
Collateral Coverage	$ 20,637
Collateral Coverage (as a percent)	131%
Commercial owner occupied real estate loan \| Other
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 10,546	$ 14,638
Collateral Coverage	$ 21,784	$ 38,900
Collateral Coverage (as a percent)	207%	266%
Commercial and industrial \| Other
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 50,907	$ 4,808
Collateral Coverage	$ 51,443	$ 5,591
Collateral Coverage (as a percent)	101%	116%
Home equity loans \| Residential 1-4 family dwelling
Loans and Allowance for Loan Losses
Collateral dependent loans		$ 1,523
Collateral Coverage		$ 1,671
Collateral Coverage (as a percent)		110%

Loans - Loans Designated as Mod

Loans - Loans Designated as Modifications (Details)	3 Months Ended	6 Months Ended
Loans - Loans Designated as Modifications (Details)	Jun. 30, 2023 USD ($)	Jun. 30, 2023 USD ($)
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accrued interest receivable	$ 68,000	$ 68,000
Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	11,117,000	12,932,000
Term Extension and Interest Rate Reduction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost		259,000
Commercial loans \| Construction and land development \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	$ 1,255,000	$ 1,512,000
% of Total Asset Class	0.04%	0.05%
Increase in Weighted Average Life of Loan	24 months	22 months
Commercial loans \| Commercial non-owner occupied \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	$ 343,000	$ 343,000
% of Total Asset Class	0%	0%
Increase in Weighted Average Life of Loan	60 months	60 months
Commercial loans \| Commercial owner occupied real estate loan \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	$ 7,732,000	$ 8,096,000
% of Total Asset Class	0.14%	0.14%
Increase in Weighted Average Life of Loan	22 months	22 months
Commercial loans \| Commercial and industrial \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	$ 1,787,000	$ 2,700,000
% of Total Asset Class	0.03%	0.05%
Increase in Weighted Average Life of Loan	6 months	7 months
Consumer portfolio loans \| Consumer Owner Occupied Loans \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost		$ 281,000
% of Total Asset Class		0.02%
Increase in Weighted Average Life of Loan		6 months
Consumer portfolio loans \| Consumer Owner Occupied Loans \| Term Extension and Interest Rate Reduction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost		$ 259,000
Increase in Weighted Average Life of Loan		20 months
Consumer portfolio loans \| Maximum \| Consumer Owner Occupied Loans \| Term Extension and Interest Rate Reduction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Reduction in Weighted Average Contractual Interest Rate		3.63%
Consumer portfolio loans \| Minimum \| Consumer Owner Occupied Loans \| Term Extension and Interest Rate Reduction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Reduction in Weighted Average Contractual Interest Rate		3%

Loans - Loans Designated as TDR

Loans - Loans Designated as TDRs (Details)	3 Months Ended	6 Months Ended
Loans - Loans Designated as TDRs (Details)	Jun. 30, 2022 USD ($) loan	Jun. 30, 2022 USD ($) loan	Jun. 30, 2023 USD ($)
Allowance for Credit Losses
Number of loans \| loan	13	0
Pre-Modification Amortized Cost	$ 3,554,000
Post-Modification Amortized Cost	3,554,000
Balance of accruing TDRs	11,200,000	$ 11,200,000
Remaining availability under commitments to lend additional funds on restructured loans	579,000	579,000	$ 4,300,000
Specific reserve associated with restructured loans that subsequently defaulted	$ 8,200,000	$ 8,200,000
Interest rate modification
Allowance for Credit Losses
Number of loans \| loan		10
Pre-Modification Amortized Cost		$ 1,090,000
Post-Modification Amortized Cost		$ 1,090,000
Term modification
Allowance for Credit Losses
Number of loans \| loan		3
Pre-Modification Amortized Cost		$ 2,464,000
Post-Modification Amortized Cost		$ 2,464,000
Construction and land development \| Term modification
Allowance for Credit Losses
Number of loans \| loan		1
Pre-Modification Amortized Cost		$ 137,000
Post-Modification Amortized Cost		$ 137,000
Commercial non-owner occupied \| Interest rate modification
Allowance for Credit Losses
Number of loans \| loan		1
Pre-Modification Amortized Cost		$ 182,000
Post-Modification Amortized Cost		$ 182,000
Commercial owner occupied real estate loan \| Interest rate modification
Allowance for Credit Losses
Number of loans \| loan		2
Pre-Modification Amortized Cost		$ 262,000
Post-Modification Amortized Cost		$ 262,000
Commercial owner occupied real estate loan \| Term modification
Allowance for Credit Losses
Number of loans \| loan		2
Pre-Modification Amortized Cost		$ 2,327,000
Post-Modification Amortized Cost		$ 2,327,000
Consumer Owner Occupied Loans \| Interest rate modification
Allowance for Credit Losses
Number of loans \| loan		1
Pre-Modification Amortized Cost		$ 97,000
Post-Modification Amortized Cost		$ 97,000
Commercial and industrial \| Interest rate modification
Allowance for Credit Losses
Number of loans \| loan		4
Pre-Modification Amortized Cost		$ 434,000
Post-Modification Amortized Cost		$ 434,000
Other income producing property \| Interest rate modification
Allowance for Credit Losses
Number of loans \| loan		2
Pre-Modification Amortized Cost		$ 115,000
Post-Modification Amortized Cost		$ 115,000

Loans - Changes in Status of Lo

Loans - Changes in Status of Loans (Details) $ in Thousands	6 Months Ended
Loans - Changes in Status of Loans (Details) $ in Thousands	Jun. 30, 2022 USD ($) loan	Jun. 30, 2023 USD ($)
Allowance for Credit Losses
Paying Under Restructured Terms - Number of Loans \| loan	16
Paying Under Restructured Terms - Amortized Cost	$ 4,122
Interest rate reduction
Allowance for Credit Losses
Paying Under Restructured Terms - Number of Loans \| loan	12
Paying Under Restructured Terms - Amortized Cost	$ 1,354
Term extension
Allowance for Credit Losses
Paying Under Restructured Terms - Number of Loans \| loan	4
Paying Under Restructured Terms - Amortized Cost		$ 13,191
Paying Under Restructured Terms - Amortized Cost	$ 2,768
Term extension \| Consumer portfolio loans \| Construction and land development
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost		1,512
Term extension \| Consumer portfolio loans \| Commercial non-owner occupied
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost		343
Term extension \| Consumer portfolio loans \| Commercial owner occupied real estate loan
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost		8,096
Term extension \| Consumer portfolio loans \| Consumer Owner Occupied Loans
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost		540
Term extension \| Consumer portfolio loans \| Commercial and industrial
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost		$ 2,700

Loans - Performance of Loans Mo

Loans - Performance of Loans Modified (Details) - Total Past Due $ in Thousands	Jun. 30, 2023 USD ($)
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	$ 13,191
Commercial loans \| Construction and land development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	1,512
Commercial loans \| Commercial non-owner occupied
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	343
Commercial loans \| Commercial owner occupied real estate loan
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	8,096
Commercial loans \| Commercial and industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	2,700
Consumer portfolio loans \| Consumer Owner Occupied Loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	$ 540

Allowance for Credit Losses (_3

Allowance for Credit Losses (ACL) - Disaggregated analysis of the changes in allowance for credit losses (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended		12 Months Ended
	Mar. 01, 2022	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Allowance for credit losses
Balance at beginning of period		$ 370,645	$ 300,396	$ 356,444	$ 301,807	$ 301,807
Allowance Adjustment - FMV for ACBI merger			4,540		4,540
Adjusted CECL balance			304,936		304,936
Charge-offs		(7,578)	(6,163)	(12,205)	(11,653)	(23,446)
Recoveries		4,268	3,824	7,857	6,991
Net (charge-offs) recoveries		(3,310)	(2,339)	(4,348)	(4,662)
Provision (recovery)		60,057	17,111	75,296	(4,892)
Balance at end of period		427,392	319,708	427,392	319,708	356,444
Quantitative allowance
Collectively evaluated		435,558	258,437	435,558	258,437
Individually evaluated		16,264	16,932	16,264	16,932
Total quantitative allowance		451,822	275,369	451,822	275,369
Qualitative allowance		(24,430)	44,339	(24,430)	44,339
Unfunded Commitment
Allowance for credit losses
Provision (recovery)		21,700	2,200	3,800	2,000
Initial PCD Allowance
Allowance for credit losses
Balance at end of period			13,758		13,758
Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period			13,697		13,697
Residential Mortgage Sr.
Allowance for credit losses
Balance at beginning of period		77,351	46,002	72,188	47,036	47,036
Allowance Adjustment - FMV for ACBI merger			727		727
Adjusted CECL balance			46,729		46,729
Charge-offs		(37)	(61)	(39)	(119)
Recoveries		302	361	596	755
Net (charge-offs) recoveries		265	300	557	636
Provision (recovery)		3,853	8,678	8,724	6,872
Balance at end of period		81,469	55,707	81,469	55,707	72,188
Quantitative allowance
Collectively evaluated		82,205	55,203	82,205	55,203
Individually evaluated		174	479	174	479
Total quantitative allowance		82,379	55,682	82,379	55,682
Qualitative allowance		(910)	25	(910)	25
Residential Mortgage Sr. \| Initial PCD Allowance
Allowance for credit losses
Balance at end of period			811		811
Residential Mortgage Sr. \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period			352		352
Residential Mortgage Jr.
Allowance for credit losses
Balance at beginning of period		349	586	405	611	611
Adjusted CECL balance			586		586
Charge-offs					(19)
Recoveries		3	110	8	165
Net (charge-offs) recoveries		3	110	8	146
Provision (recovery)		40	(163)	(21)	(250)
Balance at end of period		392	533	392	533	405
Quantitative allowance
Collectively evaluated		393	533	393	533
Total quantitative allowance		393	533	393	533
Qualitative allowance		(1)		(1)
Residential Mortgage Jr. \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period			26		26
HELOC
Allowance for credit losses
Balance at beginning of period		14,318	13,671	14,886	13,325	13,325
Adjusted CECL balance			13,671		13,671
Charge-offs			(203)	(39)	(421)
Recoveries		532	395	777	652
Net (charge-offs) recoveries		532	192	738	231
Provision (recovery)		(638)	3,055	(1,412)	3,230
Balance at end of period		14,212	16,918	14,212	16,918	14,886
Quantitative allowance
Collectively evaluated		12,083	13,488	12,083	13,488
Individually evaluated		2,331	3,418	2,331	3,418
Total quantitative allowance		14,414	16,906	14,414	16,906
Qualitative allowance		(202)	12	(202)	12
HELOC \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period			132		132
Residential Construction
Allowance for credit losses
Balance at beginning of period		9,176	5,616	8,974	4,997	4,997
Adjusted CECL balance			5,616		5,616
Recoveries		22	2	94	5
Net (charge-offs) recoveries		22	2	94	5
Provision (recovery)		(329)	1,947	(199)	2,561
Balance at end of period		8,869	7,565	8,869	7,565	8,974
Quantitative allowance
Collectively evaluated		8,779	7,565	8,779	7,565
Total quantitative allowance		8,779	7,565	8,779	7,565
Qualitative allowance		90		90
Residential Construction \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period			2		2
Commercial Construction and Development
Allowance for credit losses
Balance at beginning of period		55,069	25,358	45,410	37,593	37,593
Adjusted CECL balance			25,358		25,358
Charge-offs		(2)		(2)	(4)
Recoveries		198	410	456	644
Net (charge-offs) recoveries		196	410	454	640
Provision (recovery)		49	1,962	9,450	(12,476)
Balance at end of period		55,314	27,730	55,314	27,730	45,410
Quantitative allowance
Collectively evaluated		84,827	21,572	84,827	21,572
Individually evaluated			865		865
Total quantitative allowance		84,827	22,437	84,827	22,437
Qualitative allowance		(29,513)	5,293	(29,513)	5,293
Commercial Construction and Development \| Initial PCD Allowance
Allowance for credit losses
Balance at end of period			86		86
Commercial Construction and Development \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period			1,887		1,887
Consumer
Allowance for credit losses
Balance at beginning of period		23,319	21,899	22,767	23,149	23,149
Adjusted CECL balance			21,899		21,899
Charge-offs		(3,017)	(2,124)	(5,746)	(4,785)
Recoveries		520	660	1,104	1,192
Net (charge-offs) recoveries		(2,497)	(1,464)	(4,642)	(3,593)
Provision (recovery)		3,755	4,317	6,452	5,145
Balance at end of period		24,577	24,752	24,577	24,752	22,767
Quantitative allowance
Collectively evaluated		24,577	24,752	24,577	24,752
Total quantitative allowance		24,577	24,752	24,577	24,752
Consumer \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period			51		51
Multifamily
Allowance for credit losses
Balance at beginning of period		5,507	3,903	3,684	4,921	4,921
Adjusted CECL balance			3,903		3,903
Provision (recovery)		4,260	(1,445)	6,083	(2,889)
Balance at end of period		9,767	2,458	9,767	2,458	3,684
Quantitative allowance
Collectively evaluated		9,680	2,458	9,680	2,458
Total quantitative allowance		9,680	2,458	9,680	2,458
Qualitative allowance		87		87
Multifamily \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period			426		426
Municipal
Allowance for credit losses
Balance at beginning of period		879	607	849	565	565
Adjusted CECL balance			607		607
Provision (recovery)		(134)	96	(104)	138
Balance at end of period		745	703	745	703	849
Quantitative allowance
Collectively evaluated		670	703	670	703
Total quantitative allowance		670	703	670	703
Qualitative allowance		75		75
CRE Owner Occupied
Allowance for credit losses
Balance at beginning of period		57,541	49,094	58,083	61,794	61,794
Allowance Adjustment - FMV for ACBI merger			930		930
Adjusted CECL balance			50,024		50,024
Charge-offs		(35)	(78)	(35)	(449)
Recoveries		93	94	386	408
Net (charge-offs) recoveries		58	16	351	(41)
Provision (recovery)		13,160	14,648	12,325	(1,993)
Balance at end of period		70,759	64,688	70,759	64,688	58,083
Quantitative allowance
Collectively evaluated		62,998	42,294	62,998	42,294
Individually evaluated		6,936	5,588	6,936	5,588
Total quantitative allowance		69,934	47,882	69,934	47,882
Qualitative allowance		825	16,806	825	16,806
CRE Owner Occupied \| Initial PCD Allowance
Allowance for credit losses
Balance at end of period			2,409		2,409
CRE Owner Occupied \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period			2,519		2,519
Non Owner Occupied CRE
Allowance for credit losses
Balance at beginning of period		82,473	96,360	78,485	79,649	79,649
Adjusted CECL balance			96,360		96,360
Charge-offs			(360)	(51)	(360)
Recoveries		334	304	440	373
Net (charge-offs) recoveries		334	(56)	389	13
Provision (recovery)		32,462	(11,135)	36,395	2,810
Balance at end of period		115,269	85,169	115,269	85,169	78,485
Quantitative allowance
Collectively evaluated		112,563	63,666	112,563	63,666
Individually evaluated		1,723	140	1,723	140
Total quantitative allowance		114,286	63,806	114,286	63,806
Qualitative allowance		983	21,363	983	21,363
Non Owner Occupied CRE \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period			2,697		2,697
C & I
Allowance for credit losses
Balance at beginning of period		44,663	37,300	50,713	28,167	28,167
Allowance Adjustment - FMV for ACBI merger			2,883		2,883
Adjusted CECL balance			40,183		40,183
Charge-offs		(4,487)	(3,337)	(6,293)	(5,496)
Recoveries		2,264	1,488	3,996	2,797
Net (charge-offs) recoveries		(2,223)	(1,849)	(2,297)	(2,699)
Provision (recovery)		3,579	(4,849)	(2,397)	(8,040)
Balance at end of period		46,019	33,485	46,019	33,485	$ 50,713
Quantitative allowance
Collectively evaluated		36,783	26,203	36,783	26,203
Individually evaluated		5,100	6,442	5,100	6,442
Total quantitative allowance		41,883	32,645	41,883	32,645
Qualitative allowance		$ 4,136	840	$ 4,136	840
C & I \| Initial PCD Allowance
Allowance for credit losses
Balance at end of period			10,452		10,452
C & I \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period			$ 5,605		$ 5,605
Atlantic Capital
Allowance for credit losses
Charge-offs	$ (22,100)

Other Real Estate Owned and B_3

Other Real Estate Owned and Bank Premises Held for Sale (Details)	6 Months Ended
	Jun. 30, 2023 USD ($) property	Dec. 31, 2022 property
OREO and Bank Premises
Balance at the beginning of the period	$ 18,777,000
Additions, net	3,186,000
Write-downs	(1,231,000)
Sold	(6,180,000)
Balance at the end of the period	$ 14,552,000
Number of properties held \| property	5	6
Number of properties premises held for sale \| property	13	17
Residential real estate consumer mortgage loans in foreclosure, carrying value	$ 3,200,000
OREO.
OREO and Bank Premises
Balance at the beginning of the period	1,023,000
Additions, net	3,186,000
Sold	(3,129,000)
Balance at the end of the period	1,080,000
Bank Premises Held for Sale
OREO and Bank Premises
Balance at the beginning of the period	17,754,000
Write-downs	(1,231,000)
Sold	(3,051,000)
Balance at the end of the period	13,472,000
Residential real estate
OREO and Bank Premises
Other Real Estate In Foreclosure	$ 342,000

Leases (Details)

Leases (Details) - USD ($) $ in Thousands	6 Months Ended
Leases (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Lessee, Lease, Description [Line Items]
Right to use asset	$ 106,700	$ 108,000
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Property, Plant and Equipment, Net	Property, Plant and Equipment, Net
Lease Liability	$ 114,560	$ 115,600
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other Liabilities.	Other Liabilities.
Existence of option to extend	true
Lessee, Operating Leases Liability Not Yet Commenced	$ 0
Maximum
Lessee, Lease, Description [Line Items]
Renewal term	21 years

Leases - Lease cost and other i

Leases - Lease cost and other information (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Lease Cost Components:
Amortization of ROU assets - finance leases	$ 117	$ 117	$ 233	$ 233
Interest on lease liabilities - finance leases	10	12	21	25
Operating lease cost (cost resulting from lease payments)	4,278	4,536	8,518	8,869
Short-term lease cost	109	231	215	374
Variable lease cost (cost excluded from lease payments)	840	761	1,475	1,198
Total lease cost	5,354	5,657	10,462	10,699
Supplemental Cash Flow and Other Information Related to Leases:
Finance lease - operating cash flows	10	12	21	25
Finance lease - financing cash flows	110	108	220	216
Operating lease - operating cash flows (fixed payments)	4,154	4,444	8,250	8,626
Operating lease - operating cash flows (net change asset/liability)	(3,321)	(3,545)	(6,608)	(6,848)
New ROU assets - operating leases	$ 701	$ 188	$ 701	$ 12,616
Weighted - average remaining lease term (years) - finance leases	4 years 11 months 4 days	5 years 11 months 1 day	4 years 11 months 4 days	5 years 11 months 1 day
Weighted - average remaining lease term (years) - operating leases	9 years 7 months 17 days	10 years 1 month 9 days	9 years 7 months 17 days	10 years 1 month 9 days
Weighted - average discount rate - finance leases	1.70%	1.70%	1.70%	1.70%
Weighted - average discount rate - operating leases	3%	3%	3%	3%
Maturity Analysis of Lease Liabilities:
2023 (excluding the quarter ended June 30, 2023)	$ 8,411		$ 8,411
2024	15,784		15,784
2025	14,435		14,435
2026	14,062		14,062
2027	13,122		13,122
Thereafter	68,760		68,760
Total undiscounted cash flows	134,574		134,574
Discount on cash flows	(20,014)		(20,014)
Total operating lease liabilities	$ 114,560		$ 114,560		$ 115,600
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other Liabilities.		Other Liabilities.		Other Liabilities.

Deposits - Total deposits (Deta

Deposits - Total deposits (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Deposits
Non-interest bearing checking	$ 11,489,483	$ 13,168,656
Interest-bearing checking	8,185,609	8,955,519
Savings	2,931,320	3,464,351
Money market	9,710,032	8,342,111
Time deposits	4,425,434	2,419,986
Total deposits	$ 36,741,878	$ 36,350,623

Deposits - Certificates of depo

Deposits - Certificates of deposits and Scheduled maturities of time deposits (Details) - USD ($) $ in Millions	Jun. 30, 2023	Dec. 31, 2022
Deposits
Aggregate amounts of certificates of deposits in denominations of $250,000 or more	$ 850.2	$ 464.9

Retirement Plans - Safe Harbor

Retirement Plans - Safe Harbor plan (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Employees' savings plan
Matching contribution by the company (as a percent)			100%
Percentage of employees salary for which the company contributes a matching contribution			4%
Employee savings plan/ 401(k)	$ 4.2	$ 4.1	$ 8.8	$ 8.1
Minimum
Employees' savings plan
Age of employees to be eligible to participate in the defined contribution plan			21 years
Percentage of annual base compensation that participants may elect to contribute			1%
Maximum
Employees' savings plan
Percentage of annual base compensation that participants may elect to contribute			50%

Earnings Per Share - Computatio

Earnings Per Share - Computation of basic and diluted EPS (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Basic earnings per common share:
Net income	$ 123,447	$ 119,175	$ 263,373	$ 219,504
Weighted-average basic common shares	76,058	75,461	75,981	73,465
Basic earnings per common share (in dollars per share)	$ 1.62	$ 1.58	$ 3.47	$ 2.99
Diluted earnings per common share:
Net income	$ 123,447	$ 119,175	$ 263,373	$ 219,504
Weighted-average basic common shares	76,058	75,461	75,981	73,465
Effect of dilutive securities (in shares)	360	633	413	639
Weighted-average dilutive shares	76,418	76,094	76,394	74,104
Diluted earnings per common share (in dollars per share)	$ 1.62	$ 1.57	$ 3.45	$ 2.96

Earnings Per Share - Calculatio

Earnings Per Share - Calculation of diluted EPS under Treasury method (Details) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Earnings Per Share
Number of shares	58,247	57,169	57,169	57,169
Range of exercise prices, low end of range (in dollars per share)	$ 69.48	$ 87.30	$ 87.30	$ 87.30
Range of exercise prices, high end of range (in dollars per share)	$ 91.35	$ 91.35	$ 91.35	$ 91.35

Share-Based Compensation - Stoc

Share-Based Compensation - Stock Options (Details)	6 Months Ended
Share-Based Compensation - Stock Options (Details)	Jun. 30, 2023 USD ($) $ / shares shares
Aggregate Intrinsic Value
Exercisable at the end of the period \| $	$ 1,034,000
Additional disclosures
Intrinsic value of stock option shares exercised \| $	$ 510,000
2004 plan
Additional disclosures
Granted (in shares)	0
2012 plan
Additional disclosures
Granted (in shares)	0
2019 plan
Additional disclosures
Granted (in shares)	0
2020 plan
Share-Based Compensation
Number of shares registered	2,072,245
Employee Stock Option [Member]
Number of shares
Outstanding at the beginning of the period (in shares)	161,832
Exercised (in shares)	(19,011)
Expired (in shares)	(1,967)
Outstanding at the end of the period (in shares)	140,854
Exercisable at the end of the period (in shares)	140,854
Weighted-Average Exercise Price
Outstanding at the beginning of the period (in dollars per share) \| $ / shares	$ 66.20
Exercised (in dollars per share) \| $ / shares	51.01
Expired (in dollars per share) \| $ / shares	28.30
Outstanding at the end of the period (in dollars per share) \| $ / shares	68.78
Exercisable at the end of the period (in dollars per share) \| $ / shares	$ 68.78
Weighted-Average Remaining Contractual Life
Outstanding at the end of the period	2 years 9 months 18 days
Exercisable at the end of the period	2 years 9 months 18 days
Aggregate Intrinsic Value
Outstanding at the end of the period \| $	$ 1,034,000
Additional disclosures
Granted (in shares)	0
Total unrecognized compensation cost related to non vested stock option grants \| $	$ 0
Incentive stock options \| Maximum
Share-Based Compensation
Vesting period	4 years
Incentive stock options \| Plan 2004 and 2012
Share-Based Compensation
Vesting percentage	25%
Expiration period	10 years

Share-Based Compensation - Rest

Share-Based Compensation - Restricted Stock (Details) - Restricted Stock $ / shares in Units, $ in Millions	6 Months Ended
	Jun. 30, 2023 USD ($) $ / shares shares
Restricted Stock Activity
Outstanding at the beginning of the period (in shares) \| shares	50,506
Vested (in shares) \| shares	(20,849)
Forfeited (in shares) \| shares	(2,353)
Outstanding at the end of the period (in shares) \| shares	27,304
Weighted-Average Grant-Date Fair Value
Outstanding at the beginning of the period (in dollars per share) \| $ / shares	$ 89.12
Vested (in dollars per share) \| $ / shares	90
Forfeited (in dollars per share) \| $ / shares	90
Outstanding at the end of the period (in dollars per share) \| $ / shares	$ 88.37
Additional disclosures
Total unrecognized compensation cost related to nonvested restricted stock and RSUs granted \| $	$ 1.2
Weighted-average period over which unrecognized compensation cost is expected to be recognized	10 months 2 days
Total fair value of shares vested during the period \| $	$ 1.6
Minimum
Additional disclosures
Vesting period	2 years
Maximum
Additional disclosures
Vesting period	4 years

Share-Based Compensation - Re_2

Share-Based Compensation - Restricted Stock Units (Details) $ / shares in Units, $ in Millions	6 Months Ended
	Jun. 30, 2023 USD ($) $ / shares shares
Restricted Stock Units
RSU Activity
Outstanding at the beginning of the period (in shares)	940,512
Granted (in shares)	371,821
Vested (in shares)	(358,784)
Forfeited (in shares)	(9,577)
Outstanding at the end of the period (in shares)	943,972
Weighted-Average Grant-Date Fair Value
Outstanding at the beginning of the period (in dollars per share) \| $ / shares	$ 73.82
Granted (in dollars per share) \| $ / shares	74.90
Vested (in dollars per share) \| $ / shares	71.93
Forfeited (in dollars per share) \| $ / shares	75.99
Outstanding at the end of the period (in dollars per share) \| $ / shares	$ 74.94
Additional disclosures
Options vested (in shares)	147,955
Total unrecognized compensation cost related to nonvested restricted stock and RSUs granted \| $	$ 34.9
Weighted-average period over which unrecognized compensation cost is expected to be recognized	1 year 3 months
Total fair value of shares vested during the period \| $	$ 25.8
Restricted Stock Units \| Maximum
Additional disclosures
Vesting period	12 months
Performance based restricted stock units
Additional disclosures
Performance period	3 years
Other Performance based restricted stock units \| Minimum
Additional disclosures
Performance period	1 year
Other Performance based restricted stock units \| Maximum
Additional disclosures
Performance period	2 years
Timed based restricted stock units \| Minimum
Additional disclosures
Performance period	2 years
Timed based restricted stock units \| Maximum
Additional disclosures
Performance period	4 years
2021 and 2022 LTI performance-based RSU grants \| Restricted Stock Units
Additional disclosures
Additional shares authorized	148,607
Vesting period	3 years

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details) - USD ($) $ in Millions	3 Months Ended	24 Months Ended
	Sep. 30, 2023	Dec. 31, 2024	Jun. 30, 2023
Commitments to extend credit and standby letters of credit			$ 11,100
Liability recorded for expected credit losses on unfunded commitments			$ 63.4
Forecast
FDIC quarterly special assessment	$ 2.8
Total FDIC special assessment		$ 22.7

Fair Value - Assets and liabili

Fair Value - Assets and liabilities measured at fair value on a recurring basis (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Dec. 31, 2022
Assets
Derivative financial instruments	$ 172,800,000	$ 209,800
Trading securities	56,580	31,263
Securities available for sale	4,949,334	5,326,822
SBA servicing asset	6,200	6,100
Liabilities
Derivative financial instruments	974,500,000	1,000,000
U.S. Treasuries
Assets
Securities available for sale	219,913	265,638
U.S. Government agencies
Assets
Trading securities	11,049	11,190
Securities available for sale	218,345	219,088
Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises
Assets
Trading securities	8,265
Securities available for sale	1,604,370	1,698,353
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Trading securities	11,705	4,589
Securities available for sale	962,494	1,000,398
State and municipal obligations
Assets
Trading securities	20,298	13,993
Securities available for sale	954,455	1,064,852
Small Business Administration loan-backed securities
Assets
Securities available for sale	404,559	444,810
Corporate securities.
Assets
Securities available for sale	25,422	32,638
Significant Other Observable Inputs (Level 2)
Assets
Loans held for sale	42,951	28,968
Trading securities	56,580	31,263
Significant Unobservable Inputs (Level 3)
Assets
Mortgage servicing rights	87,539	86,610
SBA servicing asset	6,202	6,068
Changes in fair value of assets
Changes in hierarchy classifications of Level 3 assets	0
Changes in hierarchy classifications of Level 3 liabilities	0
Recurring basis
Assets
Derivative financial instruments	174,480	211,016
Loans held for sale	42,951	28,968
Trading securities	56,580	31,263
Securities available for sale	4,949,334	5,326,822
Mortgage servicing rights	87,539	86,610
SBA servicing asset	6,202	6,068
Fair value of Assets, Total	5,317,086	5,690,747
Liabilities
Derivative financial instruments	975,717	1,034,143
Recurring basis \| U.S. Treasuries
Assets
Securities available for sale	219,913	265,638
Recurring basis \| U.S. Government agencies
Assets
Securities available for sale	218,345	219,088
Recurring basis \| Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	1,604,370	1,698,353
Recurring basis \| Residential Collateralized Mortgage-Obligations Issued By U.S. Government Agencies Or Sponsored Enterprises [Member]
Assets
Securities available for sale	559,776	601,045
Recurring basis \| Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	962,494	1,000,398
Recurring basis \| State and municipal obligations
Assets
Securities available for sale	954,455	1,064,852
Recurring basis \| Small Business Administration loan-backed securities
Assets
Securities available for sale	404,559	444,810
Recurring basis \| Corporate securities.
Assets
Securities available for sale	25,422	32,638
Recurring basis \| Significant Other Observable Inputs (Level 2)
Assets
Derivative financial instruments	174,480	211,016
Loans held for sale	42,951	28,968
Trading securities	56,580	31,263
Securities available for sale	4,949,334	5,326,822
Fair value of Assets, Total	5,223,345	5,598,069
Liabilities
Derivative financial instruments	975,717	1,034,143
Recurring basis \| Significant Other Observable Inputs (Level 2) \| U.S. Treasuries
Assets
Securities available for sale	219,913	265,638
Recurring basis \| Significant Other Observable Inputs (Level 2) \| U.S. Government agencies
Assets
Securities available for sale	218,345	219,088
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	1,604,370	1,698,353
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Residential Collateralized Mortgage-Obligations Issued By U.S. Government Agencies Or Sponsored Enterprises [Member]
Assets
Securities available for sale	559,776	601,045
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	962,494	1,000,398
Recurring basis \| Significant Other Observable Inputs (Level 2) \| State and municipal obligations
Assets
Securities available for sale	954,455	1,064,852
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Small Business Administration loan-backed securities
Assets
Securities available for sale	404,559	444,810
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Corporate securities.
Assets
Securities available for sale	25,422	32,638
Recurring basis \| Significant Unobservable Inputs (Level 3)
Assets
Mortgage servicing rights	87,539	86,610
SBA servicing asset	6,202	6,068
Fair value of Assets, Total	93,741	$ 92,678
Changes in fair value of assets
Unrealized losses included in accumulated other comprehensive (loss) income related to Level 3 financial assets and liabilities	0
Recurring basis \| Significant Unobservable Inputs (Level 3) \| Mortgage Servicing Rights
Changes in fair value of assets
Fair value of assets at the beginning of the period	86,610
Servicing assets that resulted from transfers of financial assets	4,034
Changes in fair value assets due to valuation inputs or assumptions	$ 688
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Revenue from Contract with Customer, Excluding Assessed Tax
Changes in fair value due to decay	$ (3,793)
Fair value of assets at the end of the period	87,539
Recurring basis \| Significant Unobservable Inputs (Level 3) \| SBA servicing asset
Changes in fair value of assets
Fair value of assets at the beginning of the period	6,068
Servicing assets that resulted from transfers of financial assets	631
Changes in fair value assets due to valuation inputs or assumptions	$ 434
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Revenue from Contract with Customer, Excluding Assessed Tax
Changes in fair value due to decay	$ (931)
Fair value of assets at the end of the period	$ 6,202

Fair Value - Mortgage Loans Hel

Fair Value - Mortgage Loans Held for Sale (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Fair Value.
Fair value	$ 42,951		$ 42,951		$ 28,968
Unpaid principal balance	(41,855)		(41,855)		(27,937)
Fair value less aggregated unpaid principal balance	1,096		1,096		$ 1,031
Change in fair value of mortgage loans held for sale	$ 75	$ 570	$ 66	$ (5,456)

Fair Value - Assets and liabi_2

Fair Value - Assets and liabilities measured at fair value on a nonrecurring basis (Details) $ in Thousands	Jun. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Fair Value
OREO	$ 1,080	$ 1,023
Individually evaluated loans	165,506	104,225
Nonrecurring basis \| Fair Value
Fair Value
OREO	1,080	1,023
Bank properties held for sale	13,472	17,754
Individually evaluated loans	84,099	20,802
Nonrecurring basis \| Significant Unobservable Inputs (Level 3)
Fair Value
OREO	1,080	1,023
Bank properties held for sale	13,472	17,754
Individually evaluated loans	$ 84,099	$ 20,802
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| Impaired loans
Quantitative Information about Level 3 Fair Value Measurements
Long-term Debt, Valuation Technique [Extensible List]	us-gaap:MarketApproachValuationTechniqueMember, us-gaap:ValuationTechniqueDiscountedCashFlowMember	us-gaap:MarketApproachValuationTechniqueMember, us-gaap:ValuationTechniqueDiscountedCashFlowMember
Long-term Debt, Measurement Input [Extensible List]	us-gaap:MeasurementInputDiscountRateMember	us-gaap:MeasurementInputDiscountRateMember
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| Impaired loans \| Weighted average
Quantitative Information about Level 3 Fair Value Measurements
Discount rate (as a percent)	15	31
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| OREO
Quantitative Information about Level 3 Fair Value Measurements
Long-term Debt, Valuation Technique [Extensible List]	us-gaap:MarketApproachValuationTechniqueMember	us-gaap:MarketApproachValuationTechniqueMember
Long-term Debt, Measurement Input [Extensible List]	us-gaap:MeasurementInputCostToSellMember, us-gaap:MeasurementInputDiscountRateMember	us-gaap:MeasurementInputCostToSellMember, us-gaap:MeasurementInputDiscountRateMember
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| OREO \| Weighted average
Quantitative Information about Level 3 Fair Value Measurements
Discount rate (as a percent)	23	16

Fair Value - Estimated fair val

Fair Value - Estimated fair value and related carrying amount, of the Company's financial instruments (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Financial assets:
Trading securities	$ 56,580		$ 31,263
SBA servicing asset	6,200		6,100
Financial liabilities:
Other borrowings	400,000
Other derivative financial instruments (mortgage banking related)	(58,426)	$ 374,241
Carrying Amount
Financial assets:
Cash and cash equivalents	1,513,749		1,312,563
Trading securities	56,580		31,263
Investment securities	7,731,217		8,189,780
Loans held for sale	42,951		28,968
Loans, net of allowance for credit losses	31,109,393		29,821,418
Accrued interest receivable	137,230		134,594
Mortgage servicing rights	87,539		86,610
SBA servicing asset	6,202		6,068
Interest rate swap - non-designated hedge	173,248		210,216
Other derivative financial instruments (mortgage banking related)	$ 1,232		$ 800
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Derivative Asset, Noncurrent		Derivative Asset, Noncurrent
Financial liabilities:
Noninterest-bearing	$ 11,489,483		$ 13,168,656
Interest-bearing other than time deposits	20,826,961		20,761,981
Time deposits	4,425,434		2,419,986
Federal funds purchased and securities sold under agreements to repurchase	581,446		556,417
Corporate and subordinated debentures	392,090		392,275
Other borrowings	400,000
Accrued interest payable	31,791		6,218
Interest rate swap - non-designated hedge	974,549		1,033,980
Other derivative financial instruments (mortgage banking related)			163
Other derivative financial instruments (mortgage banking related)	1,168
Fair Value
Financial assets:
Cash and cash equivalents	1,513,749		1,312,563
Trading securities	56,580		31,263
Investment securities	7,290,576		7,756,707
Loans held for sale	42,951		28,968
Loans, net of allowance for credit losses	30,184,857		29,329,499
Accrued interest receivable	137,230		134,594
Mortgage servicing rights	87,539		86,610
SBA servicing asset	6,202
Interest rate swap - non-designated hedge	173,248		210,216
Other derivative financial instruments (mortgage banking related)	1,232		800
Financial liabilities:
Noninterest-bearing	11,489,483		13,168,656
Interest-bearing other than time deposits	20,826,961		20,761,981
Time deposits	4,351,601		2,333,764
Federal funds purchased and securities sold under agreements to repurchase	581,446		556,417
Corporate and subordinated debentures	385,920		377,360
Other borrowings	400,000
Accrued interest payable	31,791		6,218
Interest rate swap - non-designated hedge	974,549		1,033,980
Other derivative financial instruments (mortgage banking related)			163
Other derivative financial instruments (mortgage banking related)	1,168
Commitments to extend credit \| Fair Value
Financial liabilities:
Commitments to extend credit	(328,875)		(184,801)
Quoted Prices In Active Markets for Identical Assets (Level 1)
Financial assets:
Cash and cash equivalents	1,513,749		1,312,563
Investment securities	196,728		179,717
Significant Other Observable Inputs (Level 2)
Financial assets:
Trading securities	56,580		31,263
Investment securities	7,093,848		7,576,990
Loans held for sale	42,951		28,968
Accrued interest receivable	26,346		28,449
Interest rate swap - non-designated hedge	173,248		210,216
Other derivative financial instruments (mortgage banking related)	1,232		800
Financial liabilities:
Noninterest-bearing	11,489,483		13,168,656
Interest-bearing other than time deposits	20,826,961		20,761,981
Time deposits	4,351,601		2,333,764
Federal funds purchased and securities sold under agreements to repurchase	581,446		556,417
Corporate and subordinated debentures	385,920		377,360
Other borrowings	400,000
Accrued interest payable	31,791		3,345
Interest rate swap - non-designated hedge	974,549		1,033,980
Other derivative financial instruments (mortgage banking related)			163
Other derivative financial instruments (mortgage banking related)	1,168
Significant Other Observable Inputs (Level 2) \| Commitments to extend credit
Financial liabilities:
Commitments to extend credit	(328,875)		(184,801)
Significant Unobservable Inputs (Level 3)
Financial assets:
Loans, net of allowance for credit losses	30,184,857		29,329,499
Accrued interest receivable	110,884		106,145
Mortgage servicing rights	87,539		86,610
SBA servicing asset	$ 6,202		$ 6,068

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) - Changes in components of AOCI (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Accumulated Other Comprehensive Income (Loss)
Balance at the beginning of the period			$ (677,088)
Net comprehensive (loss) income	$ (48,614)	$ (196,928)	14,690	$ (469,738)
Balance at the end of the period	(662,398)		(662,398)
Benefit Plans
Accumulated Other Comprehensive Income (Loss)
Balance at the beginning of the period	(673)	57	(673)	57
Balance at the end of the period	(673)	57	(673)	57
Unrealized Gains and (Losses) on Securities Available for Sale
Accumulated Other Comprehensive Income (Loss)
Balance at the beginning of the period	(613,111)	(294,013)	(676,415)	(21,203)
Other comprehensive income (loss) before reclassifications	(48,614)	(196,928)	14,723	(469,738)
Amounts reclassified from accumulated other comprehensive loss			(33)
Net comprehensive (loss) income	(48,614)	(196,928)	14,690	(469,738)
Balance at the end of the period	(661,725)	(490,941)	(661,725)	(490,941)
Accumulated Other Comprehensive Income (Loss)
Accumulated Other Comprehensive Income (Loss)
Balance at the beginning of the period	(613,784)	(293,956)	(677,088)	(21,146)
Other comprehensive income (loss) before reclassifications	(48,614)	(196,928)	14,723	(469,738)
Amounts reclassified from accumulated other comprehensive loss			(33)
Net comprehensive (loss) income	(48,614)	(196,928)	14,690	(469,738)
Balance at the end of the period	$ (662,398)	$ (490,884)	$ (662,398)	$ (490,884)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) - Reclassifications out of AOCI (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Reclassifications out of accumulated other comprehensive income, net of tax
Provision for income taxes	$ 34,495	$ 32,941	$ 73,591	$ 60,025
Net income	$ 123,447	$ 119,175	263,373	$ 219,504
Amount Reclassified from Accumulated Other Comprehensive Income (Loss)
Reclassifications out of accumulated other comprehensive income, net of tax
Net income			(33)
Unrealized Gains and (Losses) on Securities Available for Sale \| Amount Reclassified from Accumulated Other Comprehensive Income (Loss)
Reclassifications out of accumulated other comprehensive income, net of tax
Securities gains (losses), net			(45)
Provision for income taxes			12
Net income			$ (33)

Derivative Financial Instrume_3

Derivative Financial Instruments (Details) - USD ($)	3 Months Ended		6 Months Ended		12 Months Ended
Derivative Financial Instruments (Details) - USD ($)	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Derivative Financial Instruments
Notional Amount	$ 21,759,161,000		$ 21,759,161,000		$ 20,979,193,000
Estimated Fair Value Gain			$ 174,480,000		$ 211,016,000
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other		Noninterest Income, Other
Estimated Fair Value Loss			$ 975,717,000		$ 1,034,143,000
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other		Noninterest Income, Other
Net gain (loss)	(84,000)	$ 68,000	$ 12,000	$ 110,000
Fair value of the interest rate swap derivatives, other assets	172,800,000,000		172,800,000,000		$ 209,800,000
Reduction in derivative asset fair value			801,900,000		824,300,000
Fair value of the interest rate swap derivatives, other liabilities	974,500,000,000		974,500,000,000		1,000,000,000
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Fair value of forward commitments	(975,717,000)		(975,717,000)		(1,034,143,000)
Mortgage loan pipeline
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Obligation	99,826,000		99,826,000		40,850,000
Expected closures
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Obligation	89,037,000		89,037,000		37,210,000
Cash flow hedge
Derivative Financial Instruments
Collateral provided	0		0		0
Cash flow hedge \| Borrower
Derivative Financial Instruments
Collateral provided	266,300,000		266,300,000
Cash flow hedge \| Counterparty
Derivative Financial Instruments
Collateral provided	108,300,000		108,300,000
Cash flow hedge \| Interest-bearing deposits \| Counterparty
Derivative Financial Instruments
Cash collateral	110,300,000		110,300,000
Interest rate contracts
Derivative Financial Instruments
Notional Amount	21,600,000,000		21,600,000,000		20,900,000,000
Mortgage servicing rights hedging \| Non-designated hedges
Derivative Financial Instruments
Notional Amount	63,000,000		63,000,000		35,000,000
Estimated gain (loss) on fair value			(1,200,000)		(163,000)
Mortgage servicing rights hedging \| Non-designated hedges \| Other Liabilities
Derivative Financial Instruments
Notional Amount	63,000,000		63,000,000		$ 35,000,000
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]					Noninterest Income, Other
Estimated Fair Value Loss			$ 1,168,000		$ 163,000
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other
Mortgage loan pipeline commitments hedging
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Obligation	909,000		$ 909,000		524,000
Mortgage loan pipeline commitments hedging \| Non-designated hedges \| Other Assets
Derivative Financial Instruments
Notional Amount	108,000,000		108,000,000		51,000,000
Estimated Fair Value Gain			$ 1,232,000		$ 800,000
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other		Noninterest Income, Other
Forward commitments
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Obligation	108,000,000		$ 108,000,000		$ 51,000,000
Fair value of forward commitments	323,000		323,000		276,000
Foreign exchange swaps
Derivative Financial Instruments
Gain or loss recorded	0	$ 0	0	$ 0
Interest rate swap \| Fair Value Hedging \| Counterparty
Derivative Financial Instruments
Notional Amount	12,100,000		12,100,000		12,300,000
Interest rate swap \| Fair Value Hedging \| Other Assets \| Counterparty
Derivative Financial Instruments
Notional Amount	12,078,000		12,078,000		12,289,000
Estimated Fair Value Gain			$ 422,000		$ 414,000
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]			Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent		Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent
Interest rate swap \| Non-designated hedges \| Other Assets and Other Liabilities \| Borrower
Derivative Financial Instruments
Notional Amount	10,832,049,000		$ 10,832,049,000		$ 10,480,171,000
Estimated Fair Value Gain			$ 16,235,000		$ 8,539,000
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other		Noninterest Income, Other
Estimated Fair Value Loss			$ 974,495,000		$ 1,033,980,000
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other		Noninterest Income, Other
Interest rate swap \| Non-designated hedges \| Other Assets and Other Liabilities \| Counterparty
Derivative Financial Instruments
Notional Amount	$ 10,744,034,000		$ 10,744,034,000		$ 10,400,733,000
Estimated Fair Value Gain			$ 156,591,000		$ 201,263,000
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other
Estimated Fair Value Loss			$ 54,000
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other		Noninterest Income, Other

Capital Ratios (Details)

Capital Ratios (Details) - USD ($) $ in Thousands	3 Months Ended
Capital Ratios (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Jun. 30, 2022	Dec. 31, 2021	Jan. 01, 2020	Jan. 01, 2019
Capital ratios
Capital conversion buffer common equity Tier 1 of risk-weighted assets (as a percent)								2.50%
Additional allowance for credit losses for loans	$ 300,396	$ 427,392	$ 370,645	$ 356,444	$ 319,708	$ 301,807
Deferred tax assets		164,426		177,801
Additional reserve for unfunded commitments		63,400
Retained earnings		1,533,508		1,347,042
Phasing out percentage	50%
Common equity Tier 1 to risk-weighted assets
Actual, Capital Amount		$ 3,988,474		$ 3,788,106
Actual, Ratio (as a percent)		11.25%		10.96%
Minimum capital required, Capital Amount		$ 2,481,341		$ 2,420,417
Minimum capital required, Ratio (as a percent)		7%		7%
Required to be considered well capitalized, Capital Amount		$ 2,304,102		$ 2,247,530
Required to be considered well capitalized, Ratio (as a percent)		6.50%		6.50%
Tier I capital to risk-weighted assets
Actual, Capital Amount		$ 3,988,474		$ 3,788,106
Actual, Ratio (as a percent)		0.1125		0.1096
Minimum capital required, Capital Amount		$ 3,013,057		$ 2,939,077
Minimum capital required, Ratio (as a percent)		0.0850		0.0850
Required to be considered well capitalized, Capital Amount		$ 2,835,818		$ 2,766,190
Required to be considered well capitalized, Ratio (as a percent)		0.0800		0.0800
Total capital to risk-weighted assets
Actual, Capital Amount		$ 4,779,816		$ 4,485,397
Actual, Ratio (as a percent)		0.1348		0.1297
Minimum capital required, Capital Amount		$ 3,722,011		$ 3,630,625
Minimum capital required, Ratio (as a percent)		0.1050		0.1050
Required to be considered well capitalized, Capital Amount		$ 3,544,772		$ 3,457,738
Required to be considered well capitalized, Ratio (as a percent)		0.1000		0.1000
Tier I capital to average assets (leverage ratio)
Actual, Capital Amount		$ 3,988,474		$ 3,788,106
Actual, Ratio (as a percent)		0.0917		0.0872
Minimum capital required, Capital Amount		$ 1,739,845		$ 1,736,991
Minimum capital required, Ratio (as a percent)		0.0400		0.0400
Required to be considered well capitalized, Capital Amount		$ 2,174,806		$ 2,171,239
Required to be considered well capitalized, Ratio (as a percent)		0.0500		0.0500
ASU 2016-13
Capital ratios
Additional allowance for credit losses for loans							$ 54,400
Deferred tax assets							12,600
Retained earnings							(44,800)
ASU 2016-13 \| Adjustments
Capital ratios
Additional reserve for unfunded commitments							$ 6,400
SouthState Bank (the Bank)
Common equity Tier 1 to risk-weighted assets
Actual, Capital Amount		$ 4,263,578		$ 4,074,045
Actual, Ratio (as a percent)		12.04%		11.80%
Minimum capital required, Capital Amount		$ 2,478,512		$ 2,417,133
Minimum capital required, Ratio (as a percent)		7%		7%
Required to be considered well capitalized, Capital Amount		$ 2,301,475		$ 2,244,481
Required to be considered well capitalized, Ratio (as a percent)		6.50%		6.50%
Tier I capital to risk-weighted assets
Actual, Capital Amount		$ 4,263,578		$ 4,074,045
Actual, Ratio (as a percent)		0.1204		0.1180
Minimum capital required, Capital Amount		$ 3,009,621		$ 2,935,090
Minimum capital required, Ratio (as a percent)		0.0850		0.0850
Required to be considered well capitalized, Capital Amount		$ 2,832,585		$ 2,762,438
Required to be considered well capitalized, Ratio (as a percent)		0.0800		0.0800
Total capital to risk-weighted assets
Actual, Capital Amount		$ 4,664,919		$ 4,381,336
Actual, Ratio (as a percent)		0.1318		0.1269
Minimum capital required, Capital Amount		$ 3,717,767		$ 3,625,700
Minimum capital required, Ratio (as a percent)		0.1050		0.1050
Required to be considered well capitalized, Capital Amount		$ 3,540,731		$ 3,453,047
Required to be considered well capitalized, Ratio (as a percent)		0.1000		0.1000
Tier I capital to average assets (leverage ratio)
Actual, Capital Amount		$ 4,263,578		$ 4,074,045
Actual, Ratio (as a percent)		0.0981		0.0939
Minimum capital required, Capital Amount		$ 1,739,082		$ 1,736,330
Minimum capital required, Ratio (as a percent)		0.0400		0.0400
Required to be considered well capitalized, Capital Amount		$ 2,173,853		$ 2,170,412
Required to be considered well capitalized, Ratio (as a percent)		0.0500		0.0500
Minimum
Common equity Tier 1 to risk-weighted assets
Actual, Ratio (as a percent)		4.50%
Tier I capital to risk-weighted assets
Minimum capital required, Ratio (as a percent)		0.06
Total capital to risk-weighted assets
Actual, Ratio (as a percent)		0.04
Tier I capital to average assets (leverage ratio)
Actual, Ratio (as a percent)		0.08

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Dec. 31, 2022
Goodwill and Other Intangible Assets
Goodwill	$ 1,923,106	$ 1,923,106
Impairment Charges	$ 0

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Summary of gross carrying amounts (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Other intangible assets
Gross carrying amount	$ 275,002		$ 275,002		$ 274,869
Accumulated amortization	(172,746)		(172,746)		(158,419)
Net carrying amount	102,256		102,256		116,450
Amortization expense	7,028	$ 8,847	14,327	$ 17,341
Fair value of SBA servicing assets	$ 6,200		$ 6,200		$ 6,100
Minimum
Other intangible assets
Estimated useful lives	2 years		2 years
Maximum
Other intangible assets
Estimated useful lives	15 years		15 years

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets - Amortization expense (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Estimated amortization expense
Net carrying amount	$ 102,256	$ 116,450
Other intangibles, excluding the SBA servicing assets
Estimated amortization expense
September 30, 2023	6,615
December 31, 2023	6,615
March 31, 2024	6,003
June 30, 2024	5,739
September 30, 2024	5,327
Thereafter	65,756
Net carrying amount	$ 96,055

Mortgage Loan Servicing, Orig_3

Mortgage Loan Servicing, Origination, and Loans Held for Sale (Details) - USD ($)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Mortgage Loan Servicing, Origination, and Loans Held for Sale
Residential mortgages serviced for others	$ 6,600,000,000		$ 6,600,000,000		$ 6,600,000,000
Contractually specified servicing fees earned	$ 4,200,000	$ 4,100,000	$ 8,300,000	$ 7,900,000
Contractually Specified Servicing Fee Income, Statement of Income or Comprehensive Income [Extensible Enumeration]	Revenue from Contract with Customer, Excluding Assessed Tax	Revenue from Contract with Customer, Excluding Assessed Tax	Revenue from Contract with Customer, Excluding Assessed Tax	Revenue from Contract with Customer, Excluding Assessed Tax
Mortgage servicing rights	$ 87,539,000		$ 87,539,000		$ 86,610,000
Changes in the fair value of MSRs and its offsetting hedge.
(Decrease) increase in fair value of MSRs	1,977,000	$ 2,786,000	688,000	$ 15,613,000
Decay of MSRs	(2,385,000)	(3,292,000)	(3,793,000)	(5,521,000)
Gain (loss) related to derivatives	(2,264,000)	(2,553,000)	(2,119,000)	(14,391,000)
Net effect on Consolidated Statements of Net Income	$ (2,672,000)	$ (3,059,000)	$ (5,224,000)	$ (4,299,000)
Characteristics and sensitivity analysis of the MSR
Composition of residential loans serviced for others	100%		100%		100%
Weighted average life (in years)			8 years 2 months 26 days		8 years 4 months 13 days
Constant Prepayment rate (CPR) (as a percent)			6.60%		6.40%
Weighted average discount rate (as a percent)			10.30%		10%
Effect on fair value due to change in interest rates:
25 basis point increase	$ 866,000		$ 866,000		$ 774,000
50 basis point increase	1,571,000		1,571,000		1,428,000
25 basis point decrease	(1,029,000)		(1,029,000)		(902,000)
50 basis point decrease	$ (2,203,000)		$ (2,203,000)		$ (1,938,000)
Fixed-rate mortgage loans
Characteristics and sensitivity analysis of the MSR
Composition of residential loans serviced for others	100%		100%		100%

Mortgage Loan Servicing, Orig_4

Mortgage Loan Servicing, Origination, and Loans Held for Sale - Mandatory cash forwards (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Mortgage loan securitizations, mandatory cash forwards, and whole loan sales
Repurchase of principal balance			$ 975,000	$ 3,907,000
Loan sales	$ 249,300,000	$ 449,900,000	408,700,000	1,200,000,000
Loan securitizations and loan sales	$ 201,100,000	$ 352,300,000	$ 324,100,000	$ 882,900,000
Percentage of loan securitizations and loan sales	80.70%	78.30%	79.30%	76.70%
Loss reimbursement and settlement claims paid			$ 0	$ 0
Loans held for sale	$ 42,951,000		$ 42,951,000		$ 28,968,000
Minimum
Mortgage loan securitizations, mandatory cash forwards, and whole loan sales
Loans held for sale, settlement period			15 days
Maximum
Mortgage loan securitizations, mandatory cash forwards, and whole loan sales
Loans held for sale, settlement period			45 days

Short-Term Borrowings (Details)

Short-Term Borrowings (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Secured Debt, Repurchase Agreements
Carrying amount of securities sold under repurchase agreements with customers	$ 334,500	$ 342,800
Carrying amount of the securities pledged to collateralize repurchase agreements	7,731,217	8,189,780
Federal funds purchased	246,910	213,597
Letter of credit outstanding	2,100
Loans	31,109,393	29,821,418
FRB Borrowings
Secured Debt, Repurchase Agreements
Letter of credit outstanding	0	0
Maximum borrowing capacity	2,400,000
Loans	2,400,000
FHLB Advances [ Member ]
Secured Debt, Repurchase Agreements
Outstanding advances	$ 400,000	0
Weighted average interest rate	5.32%
Debt Instrument Collateral Amount	$ 7,800,000
Amount of cash pledged as collateral	613,500
Letter of credit outstanding	400,000
Unused net credit available with the FHLB	7,400,000
Debt Instrument Unused Borrowing Capacity Amount	7,800,000
Asset Pledged as Collateral [Member]
Secured Debt, Repurchase Agreements
Carrying amount of the securities pledged to collateralize repurchase agreements	$ 2,600	2,600
Asset Pledged as Collateral [Member] \| FRB Borrowings
Secured Debt, Repurchase Agreements
Financing Receivable, Pledging Purpose [Extensible Enumeration]	Federal funds purchased
Asset Pledged as Collateral [Member] \| Securities Sold under Agreements to Repurchase [Member]
Secured Debt, Repurchase Agreements
Carrying amount of the securities pledged to collateralize repurchase agreements	$ 420,000	$ 443,200

Stock Repurchase Program (Detai

Stock Repurchase Program (Details) - $ / shares	3 Months Ended	6 Months Ended	12 Months Ended
Stock Repurchase Program (Details) - $ / shares	Jun. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Apr. 27, 2022
Stock repurchase program
Shares authorized under repurchase program				4,120,021
2022 Stock Repurchase Program
Stock repurchase program
Shares authorized under repurchase program				3,750,000
Number of shares repurchased		0	0
2021 Stock Repurchase Plan
Stock repurchase program
Remaining authorized shares available for repurchase				370,021
Number of shares repurchased	300,000	1,312,038
Average price per share	$ 79.15	$ 83.99

Subsequent Events (Details)

Subsequent Events (Details) - $ / shares			3 Months Ended		6 Months Ended
Subsequent Events (Details) - $ / shares	Jul. 27, 2023	Jul. 26, 2023	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Subsequent events
Cash dividends declared (in dollars per share)			$ 0.50	$ 0.49	$ 1	$ 0.98
Subsequent event
Subsequent events
Cash dividends declared (in dollars per share)	$ 0.52	$ 0.50

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Pay vs Performance Disclosure
Net Income (Loss)	$ 123,447	$ 119,175	$ 263,373	$ 219,504

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Jun. 30, 2023
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false