SouthState (SSB) 10-Q3 Nov 232023 Q3 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
Document and Entity Information - shares	Sep. 30, 2023	Nov. 01, 2023
Document and Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Sep. 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		76,065,258
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q3
Entity Central Index Key	0000764038
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Cash and cash equivalents:
Cash and due from banks	$ 514,917	$ 548,387
Federal funds sold and interest-earning deposits with banks	587,626	580,491
Deposits in other financial institutions (restricted cash)	226,594	183,685
Total cash and cash equivalents	1,329,137	1,312,563
Trading securities, at fair value	114,154	31,263
Investment securities:
Securities held to maturity (fair value of $2,012,400 and $2,250,168)	2,533,713	2,683,241
Securities available for sale, at fair value	4,623,618	5,326,822
Other investments	187,152	179,717
Total investment securities	7,344,483	8,189,780
Loans held for sale	27,443	28,968
Loans:
Total loans	32,016,672	30,177,862
Less allowance for credit losses	(447,956)	(356,444)
Loans, net	31,568,716	29,821,418
Other real estate owned	434	1,023
Bank property held for sale	15,251	17,754
Premises and equipment, net	516,583	520,635
Bank owned life insurance ("BOLI")	984,881	964,708
Deferred tax assets	150,422	177,801
Derivatives assets	212,345	211,016
Mortgage servicing rights	89,476	86,610
Core deposit and other intangibles	95,094	116,450
Goodwill	1,923,106	1,923,106
Other assets	617,603	515,601
Total assets	44,989,128	43,918,696
Deposits:
Noninterest-bearing	11,158,431	13,168,656
Interest-bearing	25,776,767	23,181,967
Total deposits	36,935,198	36,350,623
Federal funds purchased	253,486	213,597
Securities sold under agreements to repurchase	259,818	342,820
Corporate and subordinated debentures	391,997	392,275
Reserve for unfunded commitments	62,347	67,215
Derivative liabilities	1,251,878	1,034,143
Other liabilities	603,417	443,096
Total liabilities	39,758,141	38,843,769
Shareholders' equity:
Common stock - $2.50 par value; authorized 160,000,000 shares; 76,017,366 and 75,704,563 shares issued and outstanding, respectively	190,043	189,261
Surplus	4,238,753	4,215,712
Retained earnings	1,618,080	1,347,042
Accumulated other comprehensive loss	(815,889)	(677,088)
Total shareholders' equity	5,230,987	5,074,927
Total liabilities and shareholders' equity	44,989,128	43,918,696
Acquired - non-purchased credit deteriorated loans
Loans:
Total loans	5,064,254	5,943,092
Acquired - purchased credit deteriorated loans
Loans:
Total loans	1,171,543	1,429,731
Non-acquired loans
Loans:
Total loans	$ 25,780,875	$ 22,805,039

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Investment securities:
Securities held to maturity, fair value (in dollars)	$ 2,012,400	$ 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	76,017,366	75,704,563
Common stock, shares outstanding	76,017,366	75,704,563

Consolidated Statements of Inco

Consolidated Statements of Income (unaudited) - USD ($) shares in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Interest income:
Loans, including fees	$ 443,805,000	$ 312,856,000	$ 1,256,525,000	$ 818,473,000
Investment securities:
Taxable	40,330,000	39,300,000	123,149,000	108,368,000
Tax-exempt	5,543,000	5,986,000	17,687,000	15,937,000
Federal funds sold, securities purchased under agreements to resell and interest-bearing deposits with banks	10,831,000	18,190,000	31,610,000	30,359,000
Total interest income	500,509,000	376,332,000	1,428,971,000	973,137,000
Interest expense:
Deposits	133,944,000	7,534,000	290,673,000	17,040,000
Federal funds purchased and securities sold under agreements to repurchase	4,291,000	1,506,000	10,679,000	2,556,000
Corporate and subordinated debentures	6,014,000	4,958,000	17,572,000	13,874,000
Other borrowings	889,000		11,670,000
Total interest expense	145,138,000	13,998,000	330,594,000	33,470,000
Net interest income	355,371,000	362,334,000	1,098,377,000	939,667,000
Provision for credit losses	32,709,000	23,876,000	104,189,000	34,713,000
Net interest income after provision for credit losses	322,662,000	338,458,000	994,188,000	904,954,000
Noninterest income:
Securities gains, net	0	30,000	45,000	30,000
Other income	12,035,000	8,004,000	29,765,000	22,770,000
Total noninterest income	72,848,000	73,053,000	221,417,000	245,855,000
Noninterest expense:
Salaries and employee benefits	146,146,000	139,554,000	437,548,000	414,264,000
Occupancy expense	22,251,000	22,490,000	65,980,000	67,089,000
Information services expense	21,428,000	20,714,000	62,472,000	59,854,000
OREO and loan related expense	613,000	532,000	768,000	291,000
Amortization of intangibles	6,616,000	7,837,000	20,943,000	25,178,000
Supplies, printing and postage expense	2,623,000	2,621,000	7,817,000	7,210,000
Professional fees	3,456,000	3,495,000	11,522,000	11,575,000
FDIC assessment and other regulatory charges	8,632,000	6,300,000	24,745,000	16,444,000
Advertising and marketing	3,009,000	2,170,000	6,648,000	6,219,000
Merger, branch consolidation and severance related expense	164,000	13,679,000	11,384,000	29,345,000
Other expense	23,268,000	21,041,000	71,510,000	62,733,000
Total noninterest expense	238,206,000	240,433,000	721,337,000	700,202,000
Earnings:
Income before provision for income taxes	157,304,000	171,078,000	494,268,000	450,607,000
Provision for income taxes	33,160,000	38,035,000	106,751,000	98,060,000
Net income	$ 124,144,000	$ 133,043,000	$ 387,517,000	$ 352,547,000
Earnings per common share:
Basic (in dollars per share)	$ 1.63	$ 1.76	$ 5.10	$ 4.75
Diluted (in dollars per share)	$ 1.62	$ 1.75	$ 5.07	$ 4.71
Weighted average common shares outstanding:
Basic (in shares)	76,139	75,606	76,034	74,185
Diluted (in shares)	76,571	76,182	76,446	74,791
Fees on deposit accounts
Noninterest income:
Noninterest income	$ 32,830,000	$ 30,326,000	$ 95,790,000	$ 91,198,000
Mortgage banking income
Noninterest income:
Noninterest income	2,478,000	2,262,000	11,164,000	18,336,000
Trust and investment services income
Noninterest income:
Noninterest income	9,556,000	9,603,000	29,316,000	29,152,000
Correspondent banking and capital markets income
Noninterest income:
Noninterest income	12,916,000	16,427,000	45,697,000	70,445,000
SBA income
Noninterest income:
Noninterest income	$ 3,033,000	$ 6,401,000	$ 9,640,000	$ 13,924,000

Condensed Consolidated Statemen

Condensed Consolidated Statements of Comprehensive (Loss) Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Condensed Consolidated Statements of Comprehensive (Loss) Income (unaudited)
Net income	$ 124,144	$ 133,043	$ 387,517	$ 352,547
Unrealized holding losses on available for sale securities:
Unrealized holding losses on available for sale securities:	(204,409)	(299,139)	(196,289)	(922,437)
Tax effect	50,918	73,588	57,521	227,148
Reclassification adjustment for gains included in net income		(30)	(45)	(30)
Tax effect		7	12	7
Net of tax amount	(153,491)	(225,574)	(138,801)	(695,312)
Other comprehensive loss, net of tax	(153,491)	(225,574)	(138,801)	(695,312)
Comprehensive (loss) income	$ (29,347)	$ (92,531)	$ 248,716	$ (342,765)

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (unaudited) - 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)			352,547		352,547
Other comprehensive income (loss), net of tax effects				(695,312)	(695,312)
Total comprehensive income (loss)					(342,765)
Cash dividends declared on common stock per share			(108,639)		(108,639)
Cash dividends equivalents paid on restricted stock units			(152)		(152)
Employee stock purchases	$ 48	1,395			1,443
Employee stock purchases (in shares)	19,162
Stock options exercised	$ 92	1,424			1,516
Stock options exercised (in shares)	37,236
Restricted stock awards (forfeits)	$ (6)	6
Restricted stock awards (forfeits) (in shares)	(2,816)
Stock issued pursuant to restricted stock units	$ 958	(957)			1
Stock issued pursuant to restricted stock units (in shares)	383,369
Common stock repurchased - buyback plan	$ (3,280)	(106,924)			(110,204)
Common stock repurchased - buyback plan (in shares)	(1,312,038)
Common stock repurchased	$ (279)	(8,778)			(9,057)
Common stock repurchased (in shares)	(111,568)
Share-based compensation expense		28,311			28,311
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 Sep. 30, 2022	$ 189,191	4,207,040	1,241,413	(716,458)	4,921,186
Balance (in shares) at Sep. 30, 2022	75,676,445
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 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
Increase (Decrease) in Stockholders' Equity
Net Income (Loss)			133,043		133,043
Other comprehensive income (loss), net of tax effects				(225,574)	(225,574)
Total comprehensive income (loss)					(92,531)
Cash dividends declared on common stock per share			(37,834)		(37,834)
Cash dividends equivalents paid on restricted stock units			(26)		(26)
Employee stock purchases	$ 25	714			739
Employee stock purchases (in shares)	10,084
Stock options exercised	$ 47	732			779
Stock options exercised (in shares)	18,980
Restricted stock awards (forfeits)	$ (3)	3
Restricted stock awards (forfeits) (in shares)	(1,550)
Stock issued pursuant to restricted stock units	$ 46	(46)
Stock issued pursuant to restricted stock units (in shares)	18,560
Common stock repurchased	$ (27)	(851)			(878)
Common stock repurchased (in shares)	(10,951)
Share-based compensation expense		10,512			10,512
Balance at Sep. 30, 2022	$ 189,191	4,207,040	1,241,413	(716,458)	4,921,186
Balance (in shares) at Sep. 30, 2022	75,676,445
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)			387,517		$ 387,517
Other comprehensive income (loss), net of tax effects				(138,801)	(138,801)
Total comprehensive income (loss)					248,716
Cash dividends declared on common stock per share			(115,400)		(115,400)
Cash dividends equivalents paid on restricted stock units			(1,079)		(1,079)
Employee stock purchases	$ 52	1,304			1,356
Employee stock purchases (in shares)	20,903
Stock options exercised	$ 68	1,324			1,392
Stock options exercised (in shares)	27,156
Restricted stock awards (forfeits)	$ (7)	7
Restricted stock awards (forfeits) (in shares)	(2,559)
Stock issued pursuant to restricted stock units	$ 927	(927)
Stock issued pursuant to restricted stock units (in shares)	370,493
Common stock repurchased	$ (258)	(7,151)			(7,409)
Common stock repurchased (in shares)	(103,190)
Share-based compensation expense		28,484			28,484
Balance at Sep. 30, 2023	$ 190,043	4,238,753	1,618,080	(815,889)	$ 5,230,987
Balance (in shares) at Sep. 30, 2023	76,017,366				76,017,366
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
Increase (Decrease) in Stockholders' Equity
Net Income (Loss)			124,144		124,144
Other comprehensive income (loss), net of tax effects				(153,491)	(153,491)
Total comprehensive income (loss)					(29,347)
Cash dividends declared on common stock per share			(39,526)		(39,526)
Cash dividends equivalents paid on restricted stock units			(46)		(46)
Employee stock purchases	$ 28	681			709
Employee stock purchases (in shares)	11,341
Stock options exercised	$ 9	210			219
Stock options exercised (in shares)	3,640
Restricted stock awards (forfeits)	$ (1)	1
Restricted stock awards (forfeits) (in shares)	(206)
Stock issued pursuant to restricted stock units	$ 30	(30)
Stock issued pursuant to restricted stock units (in shares)	11,709
Common stock repurchased	$ (13)	(374)			(387)
Common stock repurchased (in shares)	(5,097)
Share-based compensation expense		9,355			9,355
Balance at Sep. 30, 2023	$ 190,043	$ 4,238,753	$ 1,618,080	$ (815,889)	$ 5,230,987
Balance (in shares) at Sep. 30, 2023	76,017,366				76,017,366

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Consolidated Statements of Changes in Shareholders' Equity (unaudited)
Common stock cash dividends declared, per share (in dollars per share)	$ 0.52	$ 0.50	$ 1.52	$ 1.48

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Cash flows from operating activities:
Net income	$ 387,517	$ 352,547
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	44,365	48,765
Provision for credit losses	104,189	34,713
Deferred income taxes	72,680	123,905
Gains on sale of securities, net	(45)	(30)
Share-based compensation expense	28,484	28,311
Accretion of discount related to acquired loans	(16,931)	(29,061)
Losses on disposal of premises and equipment	27	3,483
Gains on sale of bank properties held for sale and repossessed real estate	(1,454)	(787)
Net amortization of premiums on investment securities	15,181	21,528
Bank properties held for sale and repossessed real estate write downs	1,525	226
Fair value adjustment for loans held for sale	508	7,604
Originations and purchases of loans held for sale	(666,880)	(1,273,659)
Proceeds from sales of loans held for sale	670,223	1,421,238
(Gains) losses on sales of loans held for sale	(2,327)	2,062
Increase in cash surrender value of BOLI	(18,573)	(17,188)
Net change in:
Accrued interest receivable	(16,665)	(22,788)
Prepaid assets	(4,178)	(1,180)
Operating leases	231	245
Bank owned life insurance	(1,589)	(423)
Trading securities	(82,891)	25,749
Derivative assets	(1,329)	205,641
Miscellaneous other assets	(41,921)	(6,642)
Accrued interest payable	38,945	2,745
Accrued income taxes	(31,740)	(54,219)
Derivative liabilities	217,735	790,388
Miscellaneous other liabilities	125,989	(86,653)
Net cash provided by operating activities	821,076	1,576,520
Cash flows from investing activities:
Proceeds from sales of investment securities available for sale	125,298	482,028
Proceeds from maturities and calls of investment securities held to maturity	145,751	176,401
Proceeds from maturities and calls of investment securities available for sale	404,718	460,910
Proceeds from sales and redemptions of other investment securities	185,875	13,216
Purchases of investment securities available for sale	(34,505)	(1,366,327)
Purchases of investment securities held to maturity		(1,099,691)
Purchases of other investment securities	(193,310)	(20,387)
Net increase in loans	(1,855,352)	(2,516,308)
Net cash received from acquisitions		250,115
Recoveries of loans previously charged off	12,630	15,381
Purchase of bank owned life insurance	(5,966)	(85,966)
Purchases of premises and equipment	(26,372)	(13,781)
Proceeds from redemption and payout of bank owned life insurance policies	5,956	1,188
Proceeds from sale of bank properties held for sale and repossessed real estate	8,392	8,564
Proceeds from sale of premises and equipment	850	3,772
Net cash used in investing activities	(1,226,035)	(3,690,885)
Cash flows from financing activities:
Net increase (decrease) in deposits	585,786	(1,221,468)
Net decrease in federal funds purchased and securities sold under agreements to repurchase and other short-term borrowings	(43,113)	(223,437)
Proceeds from FHLB borrowings	5,350,200
Repayment of FHLB borrowings	(5,350,200)	(13,000)
Common stock issuance	1,356	1,444
Common stock repurchases	(7,409)	(119,261)
Dividends paid	(116,479)	(108,791)
Stock options exercised	1,392	1,516
Net cash provided by (used in) financing activities	421,533	(1,682,997)
Net increase (decrease) in cash and cash equivalents	16,574	(3,797,362)
Cash and cash equivalents at beginning of period	1,312,563	6,721,571
Cash and cash equivalents at end of period	1,329,137	2,924,209
Cash paid for:
Interest	291,649	34,227
Income taxes	68,672	31,611
Recognition of operating lease assets in exchange for lease liabilities	701	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	$ 3,298	$ 1,151

Basis of Presentation

Basis of Presentation	9 Months Ended
Basis of Presentation	Sep. 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 nine months ended September 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	9 Months Ended
Summary of Significant Accounting Policies	Sep. 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 September 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 September 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 , that requires the elimination of 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 non-accrual 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 September 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 September 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 Nine Months Ended INCOME STATEMENT September 30, 2022 September 30, 2022 Interest income: Effect to interest income on federal funds sold and interest-earning deposits with banks $ 1,522 $ 2,203 Net effect to interest income 1,522 2,203 Effect to interest expense on deposits (2,603) (3,502) Net effect to interest expense (2,603) (3,502) Net effect to net interest income $ 4,125 $ 5,705 Noninterest Income: Effect to correspondent banking and capital markets income $ (4,125) $ (5,705) Net effect to noninterest income $ (4,125) $ (5,705) Net effect to net income $ — $ —

Recent Accounting and Regulator

Recent Accounting and Regulatory Pronouncements	9 Months Ended
Recent Accounting and Regulatory Pronouncements	Sep. 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	9 Months Ended
Mergers and Acquisitions	Sep. 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 nine months ended September 30, 2023, the Company incurred approximately $2.4 million of acquisition costs related to this transaction. The Company did t incur acquisition cost related to this transaction during the three months ended September 30, 2023. During the three and nine months ended September 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	9 Months Ended
Investment Securities	Sep. 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 September 30, 2023: U.S. Government agencies $ 197,266 $ — $ (33,016) $ 164,250 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,474,360 — (303,022) 1,171,338 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 451,928 — (85,938) 365,990 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 355,664 — (85,773) 269,891 Small Business Administration loan-backed securities 54,495 — (13,564) 40,931 $ 2,533,713 $ — $ (521,313) $ 2,012,400 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 September 30, 2023: U.S. Treasuries $ 174,322 $ — $ (2,063) $ 172,259 U.S. Government agencies 246,059 — (29,305) 216,754 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,851,803 — (363,097) 1,488,706 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 644,581 — (125,154) 519,427 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,199,936 3 (250,407) 949,532 State and municipal obligations 1,132,238 1 (259,232) 873,007 Small Business Administration loan-backed securities 429,785 120 (52,435) 377,470 Corporate securities 30,546 1 (4,084) 26,463 $ 5,709,270 $ 125 $ (1,085,777) $ 4,623,618 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 nine months ended September 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 30, 2023. During the three and nine months ended September 30, 2022, there were gains of , realized 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 September 30, 2023: Federal Home Loan Bank stock $ 18,085 Federal Reserve Bank stock 150,261 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 15,243 $ 187,152 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 September 30, 2023, we determined that there was no impairment on other investment securities. The amortized cost and fair value of debt securities at September 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 $ 48,682 $ 234,334 $ 231,348 Due after one year through five years 50,994 44,922 256,202 239,370 Due after five years through ten years 407,416 341,124 1,342,414 1,104,205 Due after ten years 2,025,303 1,577,672 3,876,320 3,048,695 $ 2,533,713 $ 2,012,400 $ 5,709,270 $ 4,623,618 Information pertaining to our securities with gross unrealized losses at September 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 September 30, 2023: Securities Held to Maturity U.S. Government agencies $ — $ — $ 33,016 $ 164,250 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 303,022 1,171,338 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises — — 85,938 365,990 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 85,773 269,891 Small Business Administration loan-backed securities — — 13,564 40,931 $ — $ — $ 521,313 $ 2,012,400 Securities Available for Sale U.S. Treasuries $ — $ — $ 2,063 $ 172,259 U.S. Government agencies — — 29,305 216,754 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1 94 363,096 1,488,330 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises — — 125,154 519,427 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 8,606 64,756 241,801 879,801 State and municipal obligations 705 9,860 258,527 860,725 Small Business Administration loan-backed securities 163 67,609 52,272 284,393 Corporate securities — — 4,084 25,963 $ 9,475 $ 142,319 $ 1,076,302 $ 4,447,652 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 September 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 September 30, 2023, investment securities with a market value of $2.5 billion and a carrying value of $2.8 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). Of the million were 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. Of the At September 30, 2023 and December 31, 2022, trading securities, at estimated fair value, were as follows: September 30, December 31, (Dollars in thousands) 2023 2022 U.S. Government agencies $ 9,945 $ 11,190 Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises 21,399 — Other residential mortgage issued or guaranteed by U.S. government agencies or sponsored enterprises 13,590 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 44,910 4,589 State and municipal obligations 16,059 13,993 Other debt securities 8,251 1,491 $ 114,154 $ 31,263 Net gains (losses) on trading securities for the three and nine months ended September 30, 2023 and 2022 were as follows: Three Months Ended September 30, Nine Months Ended September 30, (Dollars in thousands) 2023 2022 2023 2022 Net (losses) gains on sales transaction $ (76) $ 76 $ (116) $ (1,544) Net mark to mark gains (losses) 176 465 (25) (1,969) Net gains (losses) on trading securities $ 100 $ 541 $ (141) $ (3,513)

Loans

Loans	9 Months Ended
Loans	Sep. 30, 2023
Loans
Loans	Note 6 — Loans The following is a summary of total loans: September 30, December 31, (Dollars in thousands) 2023 2022 Loans: Construction and land development (1) $ 2,776,241 $ 2,860,360 Commercial non-owner occupied 8,702,352 8,072,959 Commercial owner occupied real estate 5,539,097 5,460,193 Consumer owner occupied (2) 6,259,048 5,162,042 Home equity loans 1,349,097 1,313,168 Commercial and industrial 5,458,229 5,313,483 Other income producing property 670,331 696,242 Consumer 1,258,078 1,278,426 Other loans 4,199 20,989 Total loans 32,016,672 30,177,862 Less allowance for credit losses (447,956) (356,444) Loans, net $ 31,568,716 $ 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 September 30, 2023 and December 31, 2022, to include net deferred costs of $64.7 million compared to net deferred costs of $49.7 million, respectively, and unamortized discount related to loans acquired of $55.2 million and $72.1 million, respectively. Accrued interest receivables of reported in other assets for the periods September 30, 2023 and December 31, 2022. 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 September 30, 2023 and December 31, 2022: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of September 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Construction and land development Risk rating: Pass $ 342,418 $ 920,495 $ 502,988 $ 24,380 $ 10,853 $ 27,023 $ 60,848 $ 1,889,005 Special mention — 11,530 1,040 9 817 473 — 13,869 Substandard 394 1,019 — 251 1,289 7,327 — 10,280 Doubtful — — — 2 — 5 — 7 Total Construction and land development $ 342,812 $ 933,044 $ 504,028 $ 24,642 $ 12,959 $ 34,828 $ 60,848 $ 1,913,161 Construction and land development Current-period gross charge-offs $ — $ — $ — $ — $ — $ 2 $ — $ 2 Commercial non-owner occupied Risk rating: Pass $ 627,660 $ 2,535,022 $ 2,036,897 $ 704,631 $ 791,932 $ 1,629,748 $ 94,728 $ 8,420,618 Special mention 24,499 6,089 4,074 33,091 9,935 13,889 95 91,672 Substandard 31,826 10,487 15,880 19,511 34,121 78,236 — 190,061 Doubtful — — 1 — — — — 1 Total Commercial non-owner occupied $ 683,985 $ 2,551,598 $ 2,056,852 $ 757,233 $ 835,988 $ 1,721,873 $ 94,823 $ 8,702,352 Commercial non-owner occupied Current-period gross charge-offs $ — $ — $ 51 $ — $ — $ — $ — $ 51 Commercial Owner Occupied Risk rating: Pass $ 428,352 $ 1,074,223 $ 1,125,327 $ 653,996 $ 674,921 $ 1,239,235 $ 80,845 $ 5,276,899 Special mention 1,560 33,594 22,258 12,318 9,581 27,864 8,595 115,770 Substandard 14,967 12,326 24,269 15,448 18,648 60,762 — 146,420 Doubtful 3 — — 1 — 4 — 8 Total commercial owner occupied $ 444,882 $ 1,120,143 $ 1,171,854 $ 681,763 $ 703,150 $ 1,327,865 $ 89,440 $ 5,539,097 Commercial owner occupied Current-period gross charge-offs $ — $ 126 $ — $ — $ — $ — $ — $ 126 Commercial and industrial Risk rating: Pass $ 921,531 $ 1,225,758 $ 728,158 $ 399,814 $ 197,974 $ 454,648 $ 1,343,128 $ 5,271,011 Special mention 8,950 12,662 10,435 3,032 4,310 1,307 14,455 55,151 Substandard 12,335 12,175 16,513 4,362 6,531 13,661 66,433 132,010 Doubtful 3 9 29 — — 13 3 57 Total commercial and industrial $ 942,819 $ 1,250,604 $ 755,135 $ 407,208 $ 208,815 $ 469,629 $ 1,424,019 $ 5,458,229 Commercial and industrial Current-period gross charge-offs $ 3,551 $ 2,169 $ 12,798 $ 381 $ 765 $ 831 $ 395 $ 20,890 Other income producing property Risk rating: Pass $ 49,793 $ 138,439 $ 100,992 $ 54,040 $ 43,035 $ 115,214 $ 37,516 $ 539,029 Special mention 75 275 707 69 293 2,604 1,415 5,438 Substandard 744 632 1,776 476 546 6,430 483 11,087 Doubtful — — — — — — — — Total other income producing property $ 50,612 $ 139,346 $ 103,475 $ 54,585 $ 43,874 $ 124,248 $ 39,414 $ 555,554 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer owner occupied Risk rating: Pass $ 8,825 $ 4,588 $ 2,985 $ 1,423 $ 312 $ 386 $ 27,885 $ 46,404 Special mention 239 345 19 66 274 — — 943 Substandard — 1 — 928 1,574 184 150 2,837 Doubtful — — — — — 2 — 2 Total Consumer owner occupied $ 9,064 $ 4,934 $ 3,004 $ 2,417 $ 2,160 $ 572 $ 28,035 $ 50,186 Consumer owner occupied Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Other loans Risk rating: Pass $ 4,199 $ — $ — $ — $ — $ — $ — $ 4,199 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 4,199 $ — $ — $ — $ — $ — $ — $ 4,199 Other loans Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Commercial Loans Risk rating: Pass $ 2,382,778 $ 5,898,525 $ 4,497,347 $ 1,838,284 $ 1,719,027 $ 3,466,254 $ 1,644,950 $ 21,447,165 Special mention 35,323 64,495 38,533 48,585 25,210 46,137 24,560 282,843 Substandard 60,266 36,640 58,438 40,976 62,709 166,600 67,066 492,695 Doubtful 6 9 30 3 — 24 3 75 Total Commercial Loans $ 2,478,373 $ 5,999,669 $ 4,594,348 $ 1,927,848 $ 1,806,946 $ 3,679,015 $ 1,736,579 $ 22,222,778 Total Commercial Loans Current-period gross charge-offs $ 3,551 $ 2,295 $ 12,849 $ 381 $ 765 $ 833 $ 395 $ 21,069 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 September 30, 2023: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of September 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Consumer owner occupied Days past due: Current $ 828,826 $ 1,968,603 $ 1,618,466 $ 630,494 $ 297,347 $ 847,666 $ — $ 6,191,402 30 days past due 515 1,396 1,665 657 239 1,914 — 6,386 60 days past due 597 1,047 493 143 202 1,239 — 3,721 90 days past due — 1,970 565 1,099 316 3,403 — 7,353 Total Consumer owner occupied $ 829,938 $ 1,973,016 $ 1,621,189 $ 632,393 $ 298,104 $ 854,222 $ — $ 6,208,862 Consumer owner occupied Current-period gross charge-offs $ 18 $ 49 $ 27 $ — $ — $ 2 $ — $ 96 Home equity loans Days past due: Current $ 5,918 $ 6,092 $ 3,941 $ 2,250 $ 553 $ 12,740 $ 1,311,305 $ 1,342,799 30 days past due 119 47 177 — 205 733 2,708 3,989 60 days past due — — 20 — 87 543 688 1,338 90 days past due — 49 — 192 1 376 353 971 Total Home equity loans $ 6,037 $ 6,188 $ 4,138 $ 2,442 $ 846 $ 14,392 $ 1,315,054 $ 1,349,097 Home equity loans Current-period gross charge-offs $ — $ — $ — $ 39 $ — $ 29 $ 59 $ 127 Consumer Days past due: Current $ 260,764 $ 328,849 $ 155,263 $ 82,260 $ 65,734 $ 152,306 $ 186,659 $ 1,231,835 30 days past due 192 262 199 273 170 1,313 12,262 14,671 60 days past due 68 270 65 84 3 1,054 6,724 8,268 90 days past due 3 236 156 18 127 1,241 1,523 3,304 Total consumer $ 261,027 $ 329,617 $ 155,683 $ 82,635 $ 66,034 $ 155,914 $ 207,168 $ 1,258,078 Consumer Current-period gross charge-offs $ 213 $ 1,190 $ 379 $ 250 $ 162 $ 403 $ 6,278 $ 8,875 Construction and land development Days past due: Current $ 104,143 $ 548,493 $ 159,300 $ 26,240 $ 9,188 $ 15,415 $ — $ 862,779 30 days past due — — — — — 59 — 59 60 days past due — — — — — 11 — 11 90 days past due 3 211 — — — 17 — 231 Total Construction and land development $ 104,146 $ 548,704 $ 159,300 $ 26,240 $ 9,188 $ 15,502 $ — $ 863,080 Construction and land development Current-period gross charge-offs $ — $ — $ — $ — $ — $ 8 $ — $ 8 Other income producing property Days past due: Current $ 6,329 $ 43,588 $ 18,825 $ 4,435 $ 2,558 $ 38,139 $ 281 $ 114,155 30 days past due — — — — — 313 — 313 60 days past due — — 188 — — — — 188 90 days past due — — — — — 121 — 121 Total other income producing property $ 6,329 $ 43,588 $ 19,013 $ 4,435 $ 2,558 $ 38,573 $ 281 $ 114,777 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Consumer Loans Days past due: Current $ 1,205,980 $ 2,895,625 $ 1,955,795 $ 745,679 $ 375,380 $ 1,066,266 $ 1,498,245 $ 9,742,970 30 days past due 826 1,705 2,041 930 614 4,332 14,970 25,418 60 days past due 665 1,317 766 227 292 2,847 7,412 13,526 90 days past due 6 2,466 721 1,309 444 5,158 1,876 11,980 Total Consumer Loans $ 1,207,477 $ 2,901,113 $ 1,959,323 $ 748,145 $ 376,730 $ 1,078,603 $ 1,522,503 $ 9,793,894 Current-period gross charge-offs $ 231 $ 1,239 $ 406 $ 289 $ 162 $ 442 $ 6,337 $ 9,106 The following table presents total loans by origination year as of September 30, 2023: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of September 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Total Loans $ 3,685,850 $ 8,900,782 $ 6,553,671 $ 2,675,993 $ 2,183,676 $ 4,757,618 $ 3,259,082 $ 32,016,672 Current-period gross charge-offs $ 3,782 $ 3,534 $ 13,255 $ 670 $ 927 $ 1,275 $ 6,732 $ 30,175 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 September 30, 2023 Construction and land development $ 1,272 $ 474 $ 46 $ 1,792 $ 2,773,766 $ 683 $ 2,776,241 Commercial non-owner occupied 4,922 1,378 — 6,300 8,672,765 23,287 8,702,352 Commercial owner occupied 3,973 1,498 1,701 7,172 5,497,065 34,860 5,539,097 Consumer owner occupied 5,145 1,595 26 6,766 6,229,717 22,565 6,259,048 Home equity loans 3,221 949 1 4,171 1,340,574 4,352 1,349,097 Commercial and industrial 27,715 14,819 806 43,340 5,345,740 69,149 5,458,229 Other income producing property 301 288 — 589 666,059 3,683 670,331 Consumer 14,522 7,965 24 22,511 1,230,826 4,741 1,258,078 Other loans — — — — 4,199 — 4,199 $ 61,071 $ 28,966 $ 2,604 $ 92,641 $ 31,760,711 $ 163,320 $ 32,016,672 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 September 30, 2023 and the information pertaining to nonaccrual loans by class, including restructured loans as of December 31, 2022 : September 30, Greater than Non-accrual December 31, (Dollars in thousands) 2023 90 Days Accruing (1) with no allowance (1) 2022 Construction and land development $ 683 $ 46 $ 5 $ 827 Commercial non-owner occupied 23,287 — 14,066 20,425 Commercial owner occupied real estate 34,860 1,701 18,344 35,089 Consumer owner occupied 22,565 26 — 17,307 Home equity loans 4,352 1 — 6,316 Commercial and industrial 69,149 806 33,632 17,129 Other income producing property 3,683 — — 2,734 Consumer 4,741 24 — 4,398 Total loans on nonaccrual status $ 163,320 $ 2,604 $ 66,047 $ 104,225 (1) Greater than 90 days accruing and non-accrual with no allowance loans at September 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

Allowance for Credit Losses (AC

Allowance for Credit Losses (ACL)	9 Months Ended
Allowance for Credit Losses (ACL)	Sep. 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 September 30, 2023 Allowance for credit losses: 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 Charge-offs (57) — (88) — (8) (3,129) — — (91) — (14,597) (17,970) Recoveries 240 28 226 3 67 651 — — 415 511 2,632 4,773 Net (charge offs) recoveries 183 28 138 3 59 (2,478) — — 324 511 (11,965) (13,197) Provision (recovery) (1) (4,601) 74 (1,036) (1,643) 9,099 656 2,825 56 1,932 8,749 17,650 33,761 Balance at end of period September 30, 2023 $ 77,051 $ 494 $ 13,314 $ 7,229 $ 64,472 $ 22,755 $ 12,592 $ 801 $ 73,015 $ 124,529 $ 51,704 $ 447,956 Three Months Ended September 30, 2022 Allowance for credit losses: 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 Charge-offs (50) — (23) — — (2,742) — — (1,353) (8) (2,950) (7,126) Recoveries 376 30 3,151 2 280 573 — — 569 29 3,378 8,388 Net (charge offs) recoveries 326 30 3,128 2 280 (2,169) — — (784) 21 428 1,262 Provision (recovery) (1) 11,987 (40) (3,980) 763 3,798 4,221 666 (1) (9,745) (8,937) 4,696 3,428 Balance at end of period September 30, 2022 $ 68,020 $ 523 $ 16,066 $ 8,330 $ 31,808 $ 26,804 $ 3,124 $ 702 $ 54,159 $ 76,253 $ 38,609 $ 324,398 (1) A negative provision for credit losses of $1.1 million was recorded during the third quarter of 2023, compared to a provision for credit losses of $20.0 million recorded during the third 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 Nine Months Ended September 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 (96) — (127) — (10) (8,875) — — (126) (51) (20,890) (30,175) Recoveries 836 36 1,003 97 523 1,755 — — 801 951 6,628 12,630 Net (charge offs) recoveries 740 36 876 97 513 (7,120) — — 675 900 (14,262) (17,545) Provision (benefit) (1) 4,123 53 (2,448) (1,842) 18,549 7,108 8,908 (48) 14,257 45,144 15,253 109,057 Balance at end of period September 30, 2023 $ 77,051 $ 494 $ 13,314 $ 7,229 $ 64,472 $ 22,755 $ 12,592 $ 801 $ 73,015 $ 124,529 $ 51,704 $ 447,956 Nine Months Ended September 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 (169) (19) (444) — (4) (7,527) — — (1,802) (368) (8,446) (18,779) Recoveries 1,131 195 3,803 7 924 1,765 — — 977 402 6,175 15,379 Net (charge offs) recoveries 962 176 3,359 7 920 (5,762) — — (825) 34 (2,271) (3,400) Provision (benefit) (1) 18,859 (290) (750) 3,324 (8,678) 9,366 (2,223) 137 (11,738) (6,127) (3,344) (1,464) Balance at end of period September 30, 2022 $ 68,020 $ 523 $ 16,066 $ 8,330 $ 31,808 $ 26,804 $ 3,124 $ 702 $ 54,159 $ 76,253 $ 38,609 $ 324,398 (1) A negative provision for credit losses of $4.9 million was recorded during the first nine months of 2023, compared to a provision for credit losses of $22.5 million during the first nine 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	9 Months Ended
Other Real Estate Owned and Bank Premises Held for Sale	Sep. 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 3,298 2,073 5,371 Write-downs — (1,525) (1,525) Sold (3,887) (3,051) (6,938) Balance, September 30, 2023 $ 434 $ 15,251 $ 15,685 At September 30, 2023, there were a total of five properties included in OREO 31, 2022. At September 30, 2023, there were a total of 31, 2022. At September 30, 2023, we had

Leases

Leases	9 Months Ended
Leases	Sep. 30, 2023
Leases
Leases	Note 9 — Leases As of September 30, 2023 and December 31, 2022, we had operating right-of-use (“ROU”) assets of $103.1 million and $108.0 million, respectively, and operating lease liabilities of $111.0 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 rates 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 Nine Months Ended (Dollars in thousands) September 30, September 30, 2023 2022 2023 2022 Lease Cost Components: Amortization of ROU assets – finance leases $ 117 $ 117 $ 350 $ 350 Interest on lease liabilities – finance leases 10 12 31 37 Operating lease cost (cost resulting from lease payments) 4,296 4,550 12,814 13,419 Short-term lease cost 104 218 318 592 Variable lease cost (cost excluded from lease payments) 852 615 2,327 1,813 Total lease cost $ 5,379 $ 5,512 $ 15,840 $ 16,211 Supplemental Cash Flow and Other Information Related to Leases: Finance lease – operating cash flows $ 10 $ 12 $ 31 $ 37 Finance lease – financing cash flows 111 109 331 325 Operating lease – operating cash flows (fixed payments) 4,233 4,356 12,483 12,982 Operating lease – operating cash flows (net change asset/liability) (3,400) (3,466) (10,008) (10,313) New ROU assets – operating leases — — 701 12,616 New ROU assets – finance leases — — — — Weighted – average remaining lease term (years) – finance leases 4.68 5.67 Weighted – average remaining lease term (years) – operating leases 9.47 10.13 Weighted – average discount rate - finance leases 1.7% 1.7% Weighted – average discount rate - operating leases 3.1% 3.0% Operating lease payments due: 2023 (excluding 9 months ended September 30, 2023) $ 4,187 2024 15,799 2025 14,450 2026 14,058 2027 13,080 Thereafter 68,542 Total undiscounted cash flows 130,116 Discount on cash flows (19,118) Total operating lease liabilities $ 110,998 As of September 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 September 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 September 30, 2023, we had

Deposits

Deposits	9 Months Ended
Deposits	Sep. 30, 2023
Deposits
Deposits	Note 10 — Deposits Our total deposits are comprised of the following: September 30, December 31, (Dollars in thousands) 2023 2022 Noninterest-bearing checking $ 11,158,431 $ 13,168,656 Interest-bearing checking 7,806,243 8,955,519 Savings 2,760,166 3,464,351 Money market 10,756,431 8,342,111 Time deposits 4,453,927 2,419,986 Total deposits $ 36,935,198 $ 36,350,623 At September 30, 2023 and December 31, 2022, we had $875.0 million and $464.9 million in certificates of deposits greater than $250,000, respectively.

Retirement Plans

Retirement Plans	9 Months Ended
Retirement Plans	Sep. 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	9 Months Ended
Earnings Per Share	Sep. 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 Nine Months Ended September 30, September 30, (Dollars and shares in thousands, except for per share amounts) 2023 2022 2023 2022 Basic earnings per common share: Net income $ 124,144 $ 133,043 $ 387,517 $ 352,547 Weighted-average basic common shares 76,139 75,606 76,034 74,185 Basic earnings per common share $ 1.63 $ 1.76 $ 5.10 $ 4.75 Diluted earnings per common share: Net income $ 124,144 $ 133,043 $ 387,517 $ 352,547 Weighted-average basic common shares 76,139 75,606 76,034 74,185 Effect of dilutive securities 432 576 412 606 Weighted-average dilutive shares 76,571 76,182 76,446 74,791 Diluted earnings per common share $ 1.62 $ 1.75 $ 5.07 $ 4.71 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 September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Number of shares 57,169 57,169 57,169 57,169 Range of exercise prices $ 87.30 to $ 91.35 $ 87.30 to $ 91.35 $ 87.30 to $ 91.35 $ 87.30 to $ 91.35

Share-Based Compensation

Share-Based Compensation	9 Months Ended
Share-Based Compensation	Sep. 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 (22,651) 52.50 Expired (5,491) 32.25 Outstanding at September 30, 2023 133,690 69.91 2.67 $ 1,019 Exercisable at September 30, 2023 133,690 69.91 2.67 $ 1,019 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 nine 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 30, 2023. The intrinsic value of stock option shares exercised for the nine months ended September 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 (30,609) 90.00 Forfeited (2,559) 90.00 Nonvested at September 30, 2023 17,338 $ 87.43 As of September 30, 2023, there was $858,000 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 30, 2023. The total fair value of shares vested during the nine months ended September 30, 2023 was 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 12-month 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 nine months ended September 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 386,987 74.59 Vested (370,493) 71.78 Forfeited (10,052) 76.02 Outstanding at September 30, 2023 946,954 $ 74.91 The nonvested shares of 946,954 at September 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 September 30, 2023, there was $30.7 million of total unrecognized compensation cost at target related to nonvested RSUs granted under the plan. This cost is expected to be recognized over a weighted-average period of 30, 2023. The total fair value of RSUs vested and released during the nine months ended September 30, 2023 was million.

Commitments and Contingent Liab

Commitments and Contingent Liabilities	9 Months Ended
Commitments and Contingent Liabilities	Sep. 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 September 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 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. 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	9 Months Ended
Fair Value	Sep. 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) September 30, 2023: Assets Derivative financial instruments $ 212,345 $ — $ 212,345 $ — Loans held for sale 27,443 — 27,443 — Trading securities 114,154 — 114,154 — Securities available for sale: U.S. Treasuries 172,259 — 172,259 — U.S. Government agencies 216,754 — 216,754 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,488,706 — 1,488,706 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 519,427 — 519,427 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 949,532 — 949,532 — State and municipal obligations 873,007 — 873,007 — Small Business Administration loan-backed securities 377,470 — 377,470 — Corporate securities 26,463 — 26,463 — Total securities available for sale 4,623,618 — 4,623,618 — Mortgage servicing rights 89,476 — — 89,476 SBA servicing asset 5,654 — — 5,654 $ 5,072,690 $ — $ 4,977,560 $ 95,130 Liabilities Derivative financial instruments $ 1,251,878 $ — $ 1,251,878 $ — 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 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. September 30, December 31, (Dollars in thousands) 2023 2022 Fair value $ 27,443 $ 28,968 Unpaid principal balance 26,921 27,937 Fair value less aggregated unpaid principal balance $ 522 $ 1,031 Three Months Ended September 30, Nine Months Ended September 30, (Dollars in thousands) 2023 2022 2023 2022 Income Statement Location Mortgage loans held for sale $ (574) $ (2,149) $ (508) $ (7,604) 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 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 nine months ended September 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 6,752 Changes in fair value due to valuation inputs or assumptions 2,450 Changes in fair value due to decay (6,336) Fair value, September 30, 2023 $ 89,476 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 September 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 1,103 Changes in fair value due to decay (1,951) Changes in fair value due to valuation inputs or assumptions 434 Fair value, September 30, 2023 $ 5,654 There were no unrealized losses included in accumulated other comprehensive income related to Level 3 financial assets and liabilities at September 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) September 30, 2023: OREO $ 434 $ — $ — $ 434 Bank properties held for sale 15,251 — — 15,251 Individually evaluated loans 76,890 — — 76,890 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 Discount September 30, December 31, Valuation Technique Unobservable Input 2023 2022 Nonrecurring measurements: Individually evaluated loans Discounted appraisals and discounted cash flows Collateral discounts 26 % 31 % OREO and Bank properties held for sale Discounted appraisals Collateral discounts and estimated costs to sell 22 % 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 September 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 September 30, 2023 Financial assets: Cash and cash equivalents $ 1,329,137 $ 1,329,137 $ 1,329,137 $ — $ — Trading securities 114,154 114,154 — 114,154 — Investment securities 7,344,483 6,823,170 187,152 6,636,018 — Loans held for sale 27,443 27,443 — 27,443 — Loans, net of allowance for credit losses 31,568,716 29,773,087 — — 29,773,087 Accrued interest receivable 151,259 151,259 — 26,561 124,698 Mortgage servicing rights 89,476 89,476 — — 89,476 SBA servicing asset 5,654 5,654 — — 5,654 Interest rate swap – non-designated hedge 211,109 211,109 — 211,109 — Other derivative financial instruments (mortgage banking related) 1,236 1,236 — 1,236 — Financial liabilities: Deposits Noninterest-bearing 11,158,431 11,158,431 — 11,158,431 — Interest-bearing other than time deposits 21,322,840 21,322,840 — 21,322,840 — Time deposits 4,453,927 4,391,875 — 4,391,875 — Federal funds purchased and securities sold under agreements to repurchase 513,304 513,304 — 513,304 — Corporate and subordinated debentures 391,997 376,373 — 376,373 — Other borrowings — — — — — Accrued interest payable 45,163 45,163 — 45,163 — Interest rate swap – non-designated hedge 1,251,059 1,251,059 — 1,251,059 — Other derivative financial instruments (mortgage banking related) 819 819 — 819 — Off balance sheet financial instruments: Commitments to extend credit — (604,493) — (604,493) — 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	9 Months Ended
Accumulated Other Comprehensive Loss	Sep. 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 Losses Benefit on Securities (Dollars in thousands) Plans Available for Sale Total Three Months Ended September 30, 2023 Balance at June 30, 2023 $ (673) $ (661,725) $ (662,398) Other comprehensive loss before reclassifications — (153,491) (153,491) Amounts reclassified from accumulated other comprehensive loss — — — Net comprehensive loss — (153,491) (153,491) Balance at September 30, 2023 $ (673) $ (815,216) $ (815,889) Three Months Ended September 30, 2022 Balance at June 30, 2022 $ 57 $ (490,941) $ (490,884) Other comprehensive loss before reclassifications — (225,551) (225,551) Amounts reclassified from accumulated other comprehensive loss — (23) (23) Net comprehensive loss — (225,574) (225,574) Balance at September 30, 2022 $ 57 $ (716,515) $ (716,458) Nine Months Ended September 30, 2023 Balance at December 31, 2022 $ (673) $ (676,415) $ (677,088) Other comprehensive loss before reclassifications — (138,768) (138,768) Amounts reclassified from accumulated other comprehensive loss — (33) (33) Net comprehensive loss — (138,801) (138,801) Balance at September 30, 2023 $ (673) $ (815,216) $ (815,889) Nine Months Ended September 30, 2022 Balance at December 31, 2021 $ 57 $ (21,203) $ (21,146) Other comprehensive loss before reclassifications — (695,289) (695,289) Amounts reclassified from accumulated other comprehensive loss — (23) (23) Net comprehensive loss — (695,312) (695,312) Balance at September 30, 2022 $ 57 $ (716,515) $ (716,458) Amount Reclassified from Accumulated Other Comprehensive Income (Loss) (Dollars in thousands) For the Three Months Ended September 30, For the Nine Months Ended September 30, Accumulated Other Comprehensive Income (Loss) Component 2023 2022 2023 2022 Income Statement Line Item Affected Gains on sales of available for sale securities: $ — $ (30) $ (45) $ (30) Securities gains, net — 7 12 7 Provision for income taxes — (23) (33) (23) Net income Total reclassifications for the period $ — $ (23) $ (33) $ (23)

Derivative Financial Instrument

Derivative Financial Instruments	9 Months Ended
Derivative Financial Instruments	Sep. 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: September 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 $ 9,480 $ 600 $ — $ 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 11,182,309 5,078 1,251,059 10,480,171 8,539 1,033,980 Matched interest rate swaps with counterparty (1) Other Assets 11,091,592 205,429 — 10,400,733 201,263 — Economic hedges of interest rate risk: Pay floating rate swap with counterparty Other Assets 1,200,000 2 — — — — Not designated hedges of interest rate risk – mortgage banking activities: Contracts used to hedge mortgage servicing rights Other Liabilities 44,000 — 819 35,000 — 163 Contracts used to hedge mortgage pipeline Other Assets 89,500 1,236 — 51,000 800 — Total derivatives $ 23,616,881 $ 212,345 $ 1,251,878 $ 20,979,193 $ 211,016 $ 1,034,143 (1) The fair value of the interest rate swap derivative assets was reduced by $1.0 billion in variation margin payments applicable to swaps centrally cleared through LCH and CME. 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 September 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 nine months ended September 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 September 30, 2023 and December 31, 2022, there was Balance Sheet Fair Value Hedge As of September 30, 2023 and December 31, 2022, the Company maintained loan swaps, with an aggregate notional amount of $9.5 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 SOFR 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 loan customers of respondent bank customers of the Correspondent Banking Division, in addition to loan customers of the Bank, 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 and respondent bank customers 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 one-month SOFR floating rate plus a 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 September 30, 2023 and December 31, 2022, the interest rate swaps had an aggregate notional amount of approximately billion, respectively. At September 30, 2023, the fair value of the interest rate swap derivatives is recorded in Other Assets at billion. The fair value of derivative assets at September 30, 2023 was reduced by billion 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 gain of 30, 2023, respectively. There was a net loss 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 Balance Sheet Economic Hedge During the third quarter of 2023, management began executing a series of short-term interest rate hedges to address monthly accrual mismatches related to the Company’s Assumable Rate Conversion (“ARC”) program and its transition from LIBOR to SOFR after June 30, 2023. The Company is required to execute the correspondent side of its back-to-back swaps with customers with the central clearinghouses (CME or LCH). Term SOFR was not available to execute through CME and LCH, and therefore, management elected to convert to the CME-eligible daily SOFR. Because many of the respondent bank customers converted to Term SOFR, this created interest rate basis risk. To address this risk, monthly interest rate hedges were executed to minimize the impact of accrual mismatches between the monthly Term SOFR used by the customer and the daily SOFR rates used by the central clearinghouses. As of September 30, 2023, the Company maintained an aggregate notional amount of $1.2 billion short-term interest rate hedges that were accounted for as economic hedges. As noted above, the derivatives protect the Company from interest rate risk caused by changes in the term and daily SOFR accrual mismatches. The fair value of these hedges is recorded in either Other Assets or in Other Liabilities depending on the position of the hedge with the offset recorded in Correspondent Banking and Capital Market Income, a component of Noninterest Income on the Consolidated Statements of Net Income. There was a net gain of for these derivatives for the three and nine months ended September 30, 2023. The Company did not have any of these short-term interest rate hedges at December 31, 2022. 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 September 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 September 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 September 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) September 30, 2023 December 31, 2022 Mortgage loan pipeline $ 91,885 $ 40,850 Expected closures 83,475 37,210 Fair value of mortgage loan pipeline commitments 621 524 Forward sales commitments 89,500 51,000 Fair value of forward commitments 615 276

Capital Ratios

Capital Ratios	9 Months Ended
Capital Ratios	Sep. 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 September 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 September 30, 2023: Common equity Tier 1 to risk-weighted assets: Consolidated $ 4,089,424 11.47 % $ 2,495,806 7.00 % $ 2,317,534 6.50 % SouthState Bank (the Bank) 4,360,670 12.25 % 2,492,670 7.00 % 2,314,622 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 4,089,424 11.47 % 3,030,621 8.50 % 2,852,349 8.00 % SouthState Bank (the Bank) 4,360,670 12.25 % 3,026,814 8.50 % 2,848,766 8.00 % Total capital to risk-weighted assets: Consolidated 4,905,268 13.76 % 3,743,709 10.50 % 3,565,437 10.00 % SouthState Bank (the Bank) 4,786,514 13.44 % 3,739,005 10.50 % 3,560,957 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 4,089,424 9.34 % 1,751,637 4.00 % 2,189,546 5.00 % SouthState Bank (the Bank) 4,360,670 9.96 % 1,751,135 4.00 % 2,188,919 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 September 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	9 Months Ended
Goodwill and Other Intangible Assets	Sep. 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 September 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: September 30, December 31, (Dollars in thousands) 2023 2022 Gross carrying amount $ 274,455 $ 274,869 Accumulated amortization (179,361) (158,419) $ 95,094 $ 116,450 Amortization expense totaled $6.6 million and $20.9 million, for the three and nine months ended September 30, 2023, compared to $7.8 million and $25.2 million for the three and nine months ended September 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 The Company elected to 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 fair value accounting treatment, the Company does not 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 $5.7 million and $6.1 million, respectively, at September 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: December 31, 2023 $ 6,615 March 31, 2024 6,003 June 30, 2024 5,739 September 30, 2024 5,327 December 31, 2024 5,326 Thereafter 60,429 $ 89,439

Mortgage Loan Servicing, Origin

Mortgage Loan Servicing, Origination, and Loans Held for Sale	9 Months Ended
	Sep. 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 September 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 nine months ended September 30, 2023 and September 30, 2022 were million, respectively. Servicing fees are recorded in At September 30, 2023 and December 31, 2022, MSRs were $89.5 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 nine months ended September 30, 2023 and September 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 Nine Months Ended (Dollars in thousands) September 30, 2023 September 30, 2022 September 30, 2023 September 30, 2022 Increase in fair value of MSRs $ 1,762 $ 2,661 $ 2,450 $ 18,274 Decay of MSRs (2,543) (2,530) (6,336) (8,052) Loss related to derivatives (2,170) (3,572) (4,288) (17,963) Net effect on Consolidated Statements of Net Income $ (2,951) $ (3,441) $ (8,174) $ (7,741) 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: September 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 8.26 years 8.37 years Constant Prepayment rate (CPR) 6.6 % 6.4 % Weighted average discount rate 10.6 % 10.0 % Effect on fair value due to change in interest rates 25 basis point increase $ 686 $ 774 50 basis point increase 1,231 1,428 25 basis point decrease (848) (902) 50 basis point decrease (1,877) (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 $259.2 million and $667.9 million for the three and nine months ended September 30, 2023, compared to $272.8 million and $1.4 billion for the three and nine months ended September 30, 2022. For the three and nine months ended September 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 nine months ended September 30, 2023 and 2022 were approximately respectively. There were approximately 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	9 Months Ended
Short-Term Borrowings	Sep. 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 September 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 September 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 September 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 September 30, 2023 and December 31, 2022, the Company had no outstanding FHLB borrowings. Net eligible loans of the Company pledged via a blanket lien to the FHLB for advances and letters of credit at September 30, 2023, were approximately million). This allows the Company a total borrowing capacity at the FHLB of approximately billion. After accounting for letters of credit totaling 30, 2023. The Company also has a total borrowing capacity at the FRB of September 30, 2023 billion) in net eligible loans of the Company. The Company had

Stock Repurchase Program

Stock Repurchase Program	9 Months Ended
Stock Repurchase Program	Sep. 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 30, 2023. For the three and nine months ended September 30, 2023, a total of shares, respectively, were repurchased under arrangements authorized by our stock-based compensation plans and Board of Directors, whereby officers or directors may sell shares to the Company in order to pay for the exercises of stock options or for income taxes owed on vesting shares of restricted stock. These shares were not purchased under the 2022 Stock Repurchase Plan. During the nine months ended September 30, 2022, before the approval of the 2022 Stock Repurchase Program, the Company repurchased a total of .

Subsequent Events

Subsequent Events	9 Months Ended
Subsequent Events	Sep. 30, 2023
Subsequent Events
Subsequent Events	Note 23 — Subsequent Events On October 26, 2023, the Company announced the declaration of a quarterly cash dividend on its common stock at $0.52 per share. The dividend is payable on November 17, 2023 to shareholders of record as of November 10, 2023.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	9 Months Ended
Summary of Significant Accounting Policies (Policies)	Sep. 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 September 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 September 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 , that requires the elimination of 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 non-accrual 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 September 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 September 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 Nine Months Ended INCOME STATEMENT September 30, 2022 September 30, 2022 Interest income: Effect to interest income on federal funds sold and interest-earning deposits with banks $ 1,522 $ 2,203 Net effect to interest income 1,522 2,203 Effect to interest expense on deposits (2,603) (3,502) Net effect to interest expense (2,603) (3,502) Net effect to net interest income $ 4,125 $ 5,705 Noninterest Income: Effect to correspondent banking and capital markets income $ (4,125) $ (5,705) Net effect to noninterest income $ (4,125) $ (5,705) Net effect to net income $ — $ —

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	9 Months Ended
Summary of Significant Accounting Policies (Tables)	Sep. 30, 2023
Summary of Significant Accounting Policies
Net Changes Included in the Consolidated Statements of Income	(Dollars in thousands) Three Months Ended Nine Months Ended INCOME STATEMENT September 30, 2022 September 30, 2022 Interest income: Effect to interest income on federal funds sold and interest-earning deposits with banks $ 1,522 $ 2,203 Net effect to interest income 1,522 2,203 Effect to interest expense on deposits (2,603) (3,502) Net effect to interest expense (2,603) (3,502) Net effect to net interest income $ 4,125 $ 5,705 Noninterest Income: Effect to correspondent banking and capital markets income $ (4,125) $ (5,705) Net effect to noninterest income $ (4,125) $ (5,705) Net effect to net income $ — $ —

Mergers and Acquisitions (Table

Mergers and Acquisitions (Tables)	9 Months Ended
Mergers and Acquisitions (Tables)	Sep. 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)	9 Months Ended
Investment Securities (Tables)	Sep. 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 September 30, 2023: U.S. Government agencies $ 197,266 $ — $ (33,016) $ 164,250 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,474,360 — (303,022) 1,171,338 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 451,928 — (85,938) 365,990 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 355,664 — (85,773) 269,891 Small Business Administration loan-backed securities 54,495 — (13,564) 40,931 $ 2,533,713 $ — $ (521,313) $ 2,012,400 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 September 30, 2023: U.S. Treasuries $ 174,322 $ — $ (2,063) $ 172,259 U.S. Government agencies 246,059 — (29,305) 216,754 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,851,803 — (363,097) 1,488,706 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 644,581 — (125,154) 519,427 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,199,936 3 (250,407) 949,532 State and municipal obligations 1,132,238 1 (259,232) 873,007 Small Business Administration loan-backed securities 429,785 120 (52,435) 377,470 Corporate securities 30,546 1 (4,084) 26,463 $ 5,709,270 $ 125 $ (1,085,777) $ 4,623,618 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 September 30, 2023: Federal Home Loan Bank stock $ 18,085 Federal Reserve Bank stock 150,261 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 15,243 $ 187,152 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 $ 48,682 $ 234,334 $ 231,348 Due after one year through five years 50,994 44,922 256,202 239,370 Due after five years through ten years 407,416 341,124 1,342,414 1,104,205 Due after ten years 2,025,303 1,577,672 3,876,320 3,048,695 $ 2,533,713 $ 2,012,400 $ 5,709,270 $ 4,623,618
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 September 30, 2023: Securities Held to Maturity U.S. Government agencies $ — $ — $ 33,016 $ 164,250 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 303,022 1,171,338 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises — — 85,938 365,990 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 85,773 269,891 Small Business Administration loan-backed securities — — 13,564 40,931 $ — $ — $ 521,313 $ 2,012,400 Securities Available for Sale U.S. Treasuries $ — $ — $ 2,063 $ 172,259 U.S. Government agencies — — 29,305 216,754 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1 94 363,096 1,488,330 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises — — 125,154 519,427 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 8,606 64,756 241,801 879,801 State and municipal obligations 705 9,860 258,527 860,725 Small Business Administration loan-backed securities 163 67,609 52,272 284,393 Corporate securities — — 4,084 25,963 $ 9,475 $ 142,319 $ 1,076,302 $ 4,447,652 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	September 30, December 31, (Dollars in thousands) 2023 2022 U.S. Government agencies $ 9,945 $ 11,190 Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises 21,399 — Other residential mortgage issued or guaranteed by U.S. government agencies or sponsored enterprises 13,590 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 44,910 4,589 State and municipal obligations 16,059 13,993 Other debt securities 8,251 1,491 $ 114,154 $ 31,263
Summary of net gains (losses) on trading securities	Three Months Ended September 30, Nine Months Ended September 30, (Dollars in thousands) 2023 2022 2023 2022 Net (losses) gains on sales transaction $ (76) $ 76 $ (116) $ (1,544) Net mark to mark gains (losses) 176 465 (25) (1,969) Net gains (losses) on trading securities $ 100 $ 541 $ (141) $ (3,513)

Loans (Tables)

Loans (Tables)	9 Months Ended
Loans (Tables)	Sep. 30, 2023
Summary of Loans
Summary of loans	The following is a summary of total loans: September 30, December 31, (Dollars in thousands) 2023 2022 Loans: Construction and land development (1) $ 2,776,241 $ 2,860,360 Commercial non-owner occupied 8,702,352 8,072,959 Commercial owner occupied real estate 5,539,097 5,460,193 Consumer owner occupied (2) 6,259,048 5,162,042 Home equity loans 1,349,097 1,313,168 Commercial and industrial 5,458,229 5,313,483 Other income producing property 670,331 696,242 Consumer 1,258,078 1,278,426 Other loans 4,199 20,989 Total loans 32,016,672 30,177,862 Less allowance for credit losses (447,956) (356,444) Loans, net $ 31,568,716 $ 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 September 30, 2023 and December 31, 2022: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of September 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Construction and land development Risk rating: Pass $ 342,418 $ 920,495 $ 502,988 $ 24,380 $ 10,853 $ 27,023 $ 60,848 $ 1,889,005 Special mention — 11,530 1,040 9 817 473 — 13,869 Substandard 394 1,019 — 251 1,289 7,327 — 10,280 Doubtful — — — 2 — 5 — 7 Total Construction and land development $ 342,812 $ 933,044 $ 504,028 $ 24,642 $ 12,959 $ 34,828 $ 60,848 $ 1,913,161 Construction and land development Current-period gross charge-offs $ — $ — $ — $ — $ — $ 2 $ — $ 2 Commercial non-owner occupied Risk rating: Pass $ 627,660 $ 2,535,022 $ 2,036,897 $ 704,631 $ 791,932 $ 1,629,748 $ 94,728 $ 8,420,618 Special mention 24,499 6,089 4,074 33,091 9,935 13,889 95 91,672 Substandard 31,826 10,487 15,880 19,511 34,121 78,236 — 190,061 Doubtful — — 1 — — — — 1 Total Commercial non-owner occupied $ 683,985 $ 2,551,598 $ 2,056,852 $ 757,233 $ 835,988 $ 1,721,873 $ 94,823 $ 8,702,352 Commercial non-owner occupied Current-period gross charge-offs $ — $ — $ 51 $ — $ — $ — $ — $ 51 Commercial Owner Occupied Risk rating: Pass $ 428,352 $ 1,074,223 $ 1,125,327 $ 653,996 $ 674,921 $ 1,239,235 $ 80,845 $ 5,276,899 Special mention 1,560 33,594 22,258 12,318 9,581 27,864 8,595 115,770 Substandard 14,967 12,326 24,269 15,448 18,648 60,762 — 146,420 Doubtful 3 — — 1 — 4 — 8 Total commercial owner occupied $ 444,882 $ 1,120,143 $ 1,171,854 $ 681,763 $ 703,150 $ 1,327,865 $ 89,440 $ 5,539,097 Commercial owner occupied Current-period gross charge-offs $ — $ 126 $ — $ — $ — $ — $ — $ 126 Commercial and industrial Risk rating: Pass $ 921,531 $ 1,225,758 $ 728,158 $ 399,814 $ 197,974 $ 454,648 $ 1,343,128 $ 5,271,011 Special mention 8,950 12,662 10,435 3,032 4,310 1,307 14,455 55,151 Substandard 12,335 12,175 16,513 4,362 6,531 13,661 66,433 132,010 Doubtful 3 9 29 — — 13 3 57 Total commercial and industrial $ 942,819 $ 1,250,604 $ 755,135 $ 407,208 $ 208,815 $ 469,629 $ 1,424,019 $ 5,458,229 Commercial and industrial Current-period gross charge-offs $ 3,551 $ 2,169 $ 12,798 $ 381 $ 765 $ 831 $ 395 $ 20,890 Other income producing property Risk rating: Pass $ 49,793 $ 138,439 $ 100,992 $ 54,040 $ 43,035 $ 115,214 $ 37,516 $ 539,029 Special mention 75 275 707 69 293 2,604 1,415 5,438 Substandard 744 632 1,776 476 546 6,430 483 11,087 Doubtful — — — — — — — — Total other income producing property $ 50,612 $ 139,346 $ 103,475 $ 54,585 $ 43,874 $ 124,248 $ 39,414 $ 555,554 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer owner occupied Risk rating: Pass $ 8,825 $ 4,588 $ 2,985 $ 1,423 $ 312 $ 386 $ 27,885 $ 46,404 Special mention 239 345 19 66 274 — — 943 Substandard — 1 — 928 1,574 184 150 2,837 Doubtful — — — — — 2 — 2 Total Consumer owner occupied $ 9,064 $ 4,934 $ 3,004 $ 2,417 $ 2,160 $ 572 $ 28,035 $ 50,186 Consumer owner occupied Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Other loans Risk rating: Pass $ 4,199 $ — $ — $ — $ — $ — $ — $ 4,199 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 4,199 $ — $ — $ — $ — $ — $ — $ 4,199 Other loans Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Commercial Loans Risk rating: Pass $ 2,382,778 $ 5,898,525 $ 4,497,347 $ 1,838,284 $ 1,719,027 $ 3,466,254 $ 1,644,950 $ 21,447,165 Special mention 35,323 64,495 38,533 48,585 25,210 46,137 24,560 282,843 Substandard 60,266 36,640 58,438 40,976 62,709 166,600 67,066 492,695 Doubtful 6 9 30 3 — 24 3 75 Total Commercial Loans $ 2,478,373 $ 5,999,669 $ 4,594,348 $ 1,927,848 $ 1,806,946 $ 3,679,015 $ 1,736,579 $ 22,222,778 Total Commercial Loans Current-period gross charge-offs $ 3,551 $ 2,295 $ 12,849 $ 381 $ 765 $ 833 $ 395 $ 21,069 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 September 30, 2023: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of September 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Consumer owner occupied Days past due: Current $ 828,826 $ 1,968,603 $ 1,618,466 $ 630,494 $ 297,347 $ 847,666 $ — $ 6,191,402 30 days past due 515 1,396 1,665 657 239 1,914 — 6,386 60 days past due 597 1,047 493 143 202 1,239 — 3,721 90 days past due — 1,970 565 1,099 316 3,403 — 7,353 Total Consumer owner occupied $ 829,938 $ 1,973,016 $ 1,621,189 $ 632,393 $ 298,104 $ 854,222 $ — $ 6,208,862 Consumer owner occupied Current-period gross charge-offs $ 18 $ 49 $ 27 $ — $ — $ 2 $ — $ 96 Home equity loans Days past due: Current $ 5,918 $ 6,092 $ 3,941 $ 2,250 $ 553 $ 12,740 $ 1,311,305 $ 1,342,799 30 days past due 119 47 177 — 205 733 2,708 3,989 60 days past due — — 20 — 87 543 688 1,338 90 days past due — 49 — 192 1 376 353 971 Total Home equity loans $ 6,037 $ 6,188 $ 4,138 $ 2,442 $ 846 $ 14,392 $ 1,315,054 $ 1,349,097 Home equity loans Current-period gross charge-offs $ — $ — $ — $ 39 $ — $ 29 $ 59 $ 127 Consumer Days past due: Current $ 260,764 $ 328,849 $ 155,263 $ 82,260 $ 65,734 $ 152,306 $ 186,659 $ 1,231,835 30 days past due 192 262 199 273 170 1,313 12,262 14,671 60 days past due 68 270 65 84 3 1,054 6,724 8,268 90 days past due 3 236 156 18 127 1,241 1,523 3,304 Total consumer $ 261,027 $ 329,617 $ 155,683 $ 82,635 $ 66,034 $ 155,914 $ 207,168 $ 1,258,078 Consumer Current-period gross charge-offs $ 213 $ 1,190 $ 379 $ 250 $ 162 $ 403 $ 6,278 $ 8,875 Construction and land development Days past due: Current $ 104,143 $ 548,493 $ 159,300 $ 26,240 $ 9,188 $ 15,415 $ — $ 862,779 30 days past due — — — — — 59 — 59 60 days past due — — — — — 11 — 11 90 days past due 3 211 — — — 17 — 231 Total Construction and land development $ 104,146 $ 548,704 $ 159,300 $ 26,240 $ 9,188 $ 15,502 $ — $ 863,080 Construction and land development Current-period gross charge-offs $ — $ — $ — $ — $ — $ 8 $ — $ 8 Other income producing property Days past due: Current $ 6,329 $ 43,588 $ 18,825 $ 4,435 $ 2,558 $ 38,139 $ 281 $ 114,155 30 days past due — — — — — 313 — 313 60 days past due — — 188 — — — — 188 90 days past due — — — — — 121 — 121 Total other income producing property $ 6,329 $ 43,588 $ 19,013 $ 4,435 $ 2,558 $ 38,573 $ 281 $ 114,777 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Consumer Loans Days past due: Current $ 1,205,980 $ 2,895,625 $ 1,955,795 $ 745,679 $ 375,380 $ 1,066,266 $ 1,498,245 $ 9,742,970 30 days past due 826 1,705 2,041 930 614 4,332 14,970 25,418 60 days past due 665 1,317 766 227 292 2,847 7,412 13,526 90 days past due 6 2,466 721 1,309 444 5,158 1,876 11,980 Total Consumer Loans $ 1,207,477 $ 2,901,113 $ 1,959,323 $ 748,145 $ 376,730 $ 1,078,603 $ 1,522,503 $ 9,793,894 Current-period gross charge-offs $ 231 $ 1,239 $ 406 $ 289 $ 162 $ 442 $ 6,337 $ 9,106 The following table presents total loans by origination year as of September 30, 2023: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of September 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Total Loans $ 3,685,850 $ 8,900,782 $ 6,553,671 $ 2,675,993 $ 2,183,676 $ 4,757,618 $ 3,259,082 $ 32,016,672 Current-period gross charge-offs $ 3,782 $ 3,534 $ 13,255 $ 670 $ 927 $ 1,275 $ 6,732 $ 30,175 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 September 30, 2023 Construction and land development $ 1,272 $ 474 $ 46 $ 1,792 $ 2,773,766 $ 683 $ 2,776,241 Commercial non-owner occupied 4,922 1,378 — 6,300 8,672,765 23,287 8,702,352 Commercial owner occupied 3,973 1,498 1,701 7,172 5,497,065 34,860 5,539,097 Consumer owner occupied 5,145 1,595 26 6,766 6,229,717 22,565 6,259,048 Home equity loans 3,221 949 1 4,171 1,340,574 4,352 1,349,097 Commercial and industrial 27,715 14,819 806 43,340 5,345,740 69,149 5,458,229 Other income producing property 301 288 — 589 666,059 3,683 670,331 Consumer 14,522 7,965 24 22,511 1,230,826 4,741 1,258,078 Other loans — — — — 4,199 — 4,199 $ 61,071 $ 28,966 $ 2,604 $ 92,641 $ 31,760,711 $ 163,320 $ 32,016,672 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	September 30, Greater than Non-accrual December 31, (Dollars in thousands) 2023 90 Days Accruing (1) with no allowance (1) 2022 Construction and land development $ 683 $ 46 $ 5 $ 827 Commercial non-owner occupied 23,287 — 14,066 20,425 Commercial owner occupied real estate 34,860 1,701 18,344 35,089 Consumer owner occupied 22,565 26 — 17,307 Home equity loans 4,352 1 — 6,316 Commercial and industrial 69,149 806 33,632 17,129 Other income producing property 3,683 — — 2,734 Consumer 4,741 24 — 4,398 Total loans on nonaccrual status $ 163,320 $ 2,604 $ 66,047 $ 104,225 (1) Greater than 90 days accruing and non-accrual with no allowance loans at September 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: September 30, Collateral December 31, Collateral (Dollars in thousands) 2023 Coverage % 2022 Coverage % Commercial owner occupied real estate Church $ 3,581 $ 7,533 210% $ — $ — Industrial 4,388 11,331 258% — — Other 10,374 19,985 193% 14,638 38,900 266% Commercial non-owner occupied real estate Retail 3,327 4,950 149% — — Other 13,039 27,922 214% 6,450 10,900 169% Commercial and industrial Other 50,378 70,035 139% 4,808 5,591 116% Home equity loans Residential 1-4 family dwelling — — 1,523 1,671 110% Total collateral dependent loans $ 85,087 $ 141,756 $ 27,419 $ 57,062
Schedule of restructured loans segregated by class and type of concession	Nine Months Ended September 30, 2023 Increase in Amortized % of Total Weighted Average (Dollars in thousands) Cost Asset Class Life of Loan Term extension Construction and land development $ 254 0.01% 12 months Commercial non-owner occupied 1,250 0.01% 24 months Commercial owner occupied real estate 7,591 0.14% 23 months Consumer owner occupied 277 0.00% 6 months Commercial and industrial 1,207 0.02% 6 months Other income producing property 342 0.05% 60 months Total term extensions $ 10,921 Nine Months Ended September 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 nine months to borrowers experiencing financial difficulty, as of September 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 $ 254 $ — $ — Commercial non-owner occupied 1,250 — — Commercial owner occupied real estate 7,591 — — Consumer owner occupied 277 — — Commercial and industrial 1,207 — — Other income producing property 342 — — Total term extensions $ 10,921 $ — $ — Term Extension and Interest Rate Reduction Consumer owner occupied 259 — — Total combinations $ 259 $ — $ — $ 11,180 $ — $ — The following table presents the changes in status of TDR loans within the previous twelve months as of September 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 16 $ 6,747 — $ — — $ — Term modification 9 5,354 — — — — 25 $ 12,101 — $ — — $ —
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 $ 254 $ — $ — Commercial non-owner occupied 1,250 — — Commercial owner occupied real estate 7,591 — — Consumer owner occupied 536 — — Commercial and industrial 1,207 — — Other income producing property 342 — — Total $ 11,180 $ — $ —
Schedule of restructured loans segregated by class and type of concession	Three Months Ended September 30, 2022 Pre-Modification Post-Modification Number Amortized Amortized (Dollars in thousands) of loans Cost Cost Interest rate modification Commercial non-owner occupied 2 $ 2,321 $ 2,321 Commercial owner occupied 2 2,629 2,629 Commercial and industrial 1 535 535 Total interest rate modifications 5 $ 5,485 $ 5,485 Term modification Commercial non-owner occupied 1 $ 375 $ 375 Commercial owner occupied 2 1,042 1,042 Commercial and industrial 3 3,097 3,097 Total term modifications 6 4,514 4,514 11 $ 9,999 $ 9,999 Nine Months Ended September 30, 2022 Pre-Modification Post-Modification Number Amortized Amortized (Dollars in thousands) of loans Cost Cost Interest rate modification Commercial non-owner occupied 3 $ 2,498 $ 2,498 Commercial owner occupied 3 2,855 2,855 Consumer owner occupied 1 96 96 Commercial and industrial 5 905 905 Other income producing property 2 111 111 Total interest rate modifications 14 $ 6,465 $ 6,465 Term modification Construction and land development 1 $ 133 $ 133 Commercial non-owner occupied 1 375 375 Commercial owner occupied 3 1,451 1,451 Commercial and industrial 3 3,097 3,097 Total term modifications 8 $ 5,056 $ 5,056 22 $ 11,521 $ 11,521

Allowance for Credit Losses (_2

Allowance for Credit Losses (ACL) (Tables)	9 Months Ended
Allowance for Credit Losses (ACL) (Tables)	Sep. 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 September 30, 2023 Allowance for credit losses: 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 Charge-offs (57) — (88) — (8) (3,129) — — (91) — (14,597) (17,970) Recoveries 240 28 226 3 67 651 — — 415 511 2,632 4,773 Net (charge offs) recoveries 183 28 138 3 59 (2,478) — — 324 511 (11,965) (13,197) Provision (recovery) (1) (4,601) 74 (1,036) (1,643) 9,099 656 2,825 56 1,932 8,749 17,650 33,761 Balance at end of period September 30, 2023 $ 77,051 $ 494 $ 13,314 $ 7,229 $ 64,472 $ 22,755 $ 12,592 $ 801 $ 73,015 $ 124,529 $ 51,704 $ 447,956 Three Months Ended September 30, 2022 Allowance for credit losses: 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 Charge-offs (50) — (23) — — (2,742) — — (1,353) (8) (2,950) (7,126) Recoveries 376 30 3,151 2 280 573 — — 569 29 3,378 8,388 Net (charge offs) recoveries 326 30 3,128 2 280 (2,169) — — (784) 21 428 1,262 Provision (recovery) (1) 11,987 (40) (3,980) 763 3,798 4,221 666 (1) (9,745) (8,937) 4,696 3,428 Balance at end of period September 30, 2022 $ 68,020 $ 523 $ 16,066 $ 8,330 $ 31,808 $ 26,804 $ 3,124 $ 702 $ 54,159 $ 76,253 $ 38,609 $ 324,398 (1) A negative provision for credit losses of $1.1 million was recorded during the third quarter of 2023, compared to a provision for credit losses of $20.0 million recorded during the third 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 Nine Months Ended September 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 (96) — (127) — (10) (8,875) — — (126) (51) (20,890) (30,175) Recoveries 836 36 1,003 97 523 1,755 — — 801 951 6,628 12,630 Net (charge offs) recoveries 740 36 876 97 513 (7,120) — — 675 900 (14,262) (17,545) Provision (benefit) (1) 4,123 53 (2,448) (1,842) 18,549 7,108 8,908 (48) 14,257 45,144 15,253 109,057 Balance at end of period September 30, 2023 $ 77,051 $ 494 $ 13,314 $ 7,229 $ 64,472 $ 22,755 $ 12,592 $ 801 $ 73,015 $ 124,529 $ 51,704 $ 447,956 Nine Months Ended September 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 (169) (19) (444) — (4) (7,527) — — (1,802) (368) (8,446) (18,779) Recoveries 1,131 195 3,803 7 924 1,765 — — 977 402 6,175 15,379 Net (charge offs) recoveries 962 176 3,359 7 920 (5,762) — — (825) 34 (2,271) (3,400) Provision (benefit) (1) 18,859 (290) (750) 3,324 (8,678) 9,366 (2,223) 137 (11,738) (6,127) (3,344) (1,464) Balance at end of period September 30, 2022 $ 68,020 $ 523 $ 16,066 $ 8,330 $ 31,808 $ 26,804 $ 3,124 $ 702 $ 54,159 $ 76,253 $ 38,609 $ 324,398 (1) A negative provision for credit losses of $4.9 million was recorded during the first nine months of 2023, compared to a provision for credit losses of $22.5 million during the first nine 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)	9 Months Ended
	Sep. 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 3,298 2,073 5,371 Write-downs — (1,525) (1,525) Sold (3,887) (3,051) (6,938) Balance, September 30, 2023 $ 434 $ 15,251 $ 15,685

Leases (Tables)

Leases (Tables)	9 Months Ended
Leases (Tables)	Sep. 30, 2023
Leases
Schedule of information pertaining to leases	Three Months Ended Nine Months Ended (Dollars in thousands) September 30, September 30, 2023 2022 2023 2022 Lease Cost Components: Amortization of ROU assets – finance leases $ 117 $ 117 $ 350 $ 350 Interest on lease liabilities – finance leases 10 12 31 37 Operating lease cost (cost resulting from lease payments) 4,296 4,550 12,814 13,419 Short-term lease cost 104 218 318 592 Variable lease cost (cost excluded from lease payments) 852 615 2,327 1,813 Total lease cost $ 5,379 $ 5,512 $ 15,840 $ 16,211 Supplemental Cash Flow and Other Information Related to Leases: Finance lease – operating cash flows $ 10 $ 12 $ 31 $ 37 Finance lease – financing cash flows 111 109 331 325 Operating lease – operating cash flows (fixed payments) 4,233 4,356 12,483 12,982 Operating lease – operating cash flows (net change asset/liability) (3,400) (3,466) (10,008) (10,313) New ROU assets – operating leases — — 701 12,616 New ROU assets – finance leases — — — — Weighted – average remaining lease term (years) – finance leases 4.68 5.67 Weighted – average remaining lease term (years) – operating leases 9.47 10.13 Weighted – average discount rate - finance leases 1.7% 1.7% Weighted – average discount rate - operating leases 3.1% 3.0% Operating lease payments due: 2023 (excluding 9 months ended September 30, 2023) $ 4,187 2024 15,799 2025 14,450 2026 14,058 2027 13,080 Thereafter 68,542 Total undiscounted cash flows 130,116 Discount on cash flows (19,118) Total operating lease liabilities $ 110,998

Deposits (Tables)

Deposits (Tables)	9 Months Ended
Deposits (Tables)	Sep. 30, 2023
Deposits
Schedule of total deposits	September 30, December 31, (Dollars in thousands) 2023 2022 Noninterest-bearing checking $ 11,158,431 $ 13,168,656 Interest-bearing checking 7,806,243 8,955,519 Savings 2,760,166 3,464,351 Money market 10,756,431 8,342,111 Time deposits 4,453,927 2,419,986 Total deposits $ 36,935,198 $ 36,350,623

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
Earnings Per Share (Tables)	Sep. 30, 2023
Earnings Per Share
Schedule of computation of basic and diluted earnings per common share	Three Months Ended Nine Months Ended September 30, September 30, (Dollars and shares in thousands, except for per share amounts) 2023 2022 2023 2022 Basic earnings per common share: Net income $ 124,144 $ 133,043 $ 387,517 $ 352,547 Weighted-average basic common shares 76,139 75,606 76,034 74,185 Basic earnings per common share $ 1.63 $ 1.76 $ 5.10 $ 4.75 Diluted earnings per common share: Net income $ 124,144 $ 133,043 $ 387,517 $ 352,547 Weighted-average basic common shares 76,139 75,606 76,034 74,185 Effect of dilutive securities 432 576 412 606 Weighted-average dilutive shares 76,571 76,182 76,446 74,791 Diluted earnings per common share $ 1.62 $ 1.75 $ 5.07 $ 4.71
Schedule of anti-dilutive securities excluded from computation of diluted earnings per common share	Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Number of shares 57,169 57,169 57,169 57,169 Range of exercise prices $ 87.30 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)	9 Months Ended
Share-Based Compensation (Tables)	Sep. 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 (22,651) 52.50 Expired (5,491) 32.25 Outstanding at September 30, 2023 133,690 69.91 2.67 $ 1,019 Exercisable at September 30, 2023 133,690 69.91 2.67 $ 1,019
Summary of nonvested restricted stock	Weighted- Average Grant-Date Restricted Stock Shares Fair Value Nonvested at January 1, 2023 50,506 $ 89.12 Vested (30,609) 90.00 Forfeited (2,559) 90.00 Nonvested at September 30, 2023 17,338 $ 87.43
Summary of nonvested RSUs	Weighted- Average Grant-Date Restricted Stock Units Shares Fair Value Outstanding at January 1, 2023 940,512 $ 73.82 Granted 386,987 74.59 Vested (370,493) 71.78 Forfeited (10,052) 76.02 Outstanding at September 30, 2023 946,954 $ 74.91

Fair Value (Tables)

Fair Value (Tables)	9 Months Ended
Fair Value (Tables)	Sep. 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) September 30, 2023: Assets Derivative financial instruments $ 212,345 $ — $ 212,345 $ — Loans held for sale 27,443 — 27,443 — Trading securities 114,154 — 114,154 — Securities available for sale: U.S. Treasuries 172,259 — 172,259 — U.S. Government agencies 216,754 — 216,754 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,488,706 — 1,488,706 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 519,427 — 519,427 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 949,532 — 949,532 — State and municipal obligations 873,007 — 873,007 — Small Business Administration loan-backed securities 377,470 — 377,470 — Corporate securities 26,463 — 26,463 — Total securities available for sale 4,623,618 — 4,623,618 — Mortgage servicing rights 89,476 — — 89,476 SBA servicing asset 5,654 — — 5,654 $ 5,072,690 $ — $ 4,977,560 $ 95,130 Liabilities Derivative financial instruments $ 1,251,878 $ — $ 1,251,878 $ — 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	September 30, December 31, (Dollars in thousands) 2023 2022 Fair value $ 27,443 $ 28,968 Unpaid principal balance 26,921 27,937 Fair value less aggregated unpaid principal balance $ 522 $ 1,031 Three Months Ended September 30, Nine Months Ended September 30, (Dollars in thousands) 2023 2022 2023 2022 Income Statement Location Mortgage loans held for sale $ (574) $ (2,149) $ (508) $ (7,604) 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) September 30, 2023: OREO $ 434 $ — $ — $ 434 Bank properties held for sale 15,251 — — 15,251 Individually evaluated loans 76,890 — — 76,890 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 Discount September 30, December 31, Valuation Technique Unobservable Input 2023 2022 Nonrecurring measurements: Individually evaluated loans Discounted appraisals and discounted cash flows Collateral discounts 26 % 31 % OREO and Bank properties held for sale Discounted appraisals Collateral discounts and estimated costs to sell 22 % 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 September 30, 2023 Financial assets: Cash and cash equivalents $ 1,329,137 $ 1,329,137 $ 1,329,137 $ — $ — Trading securities 114,154 114,154 — 114,154 — Investment securities 7,344,483 6,823,170 187,152 6,636,018 — Loans held for sale 27,443 27,443 — 27,443 — Loans, net of allowance for credit losses 31,568,716 29,773,087 — — 29,773,087 Accrued interest receivable 151,259 151,259 — 26,561 124,698 Mortgage servicing rights 89,476 89,476 — — 89,476 SBA servicing asset 5,654 5,654 — — 5,654 Interest rate swap – non-designated hedge 211,109 211,109 — 211,109 — Other derivative financial instruments (mortgage banking related) 1,236 1,236 — 1,236 — Financial liabilities: Deposits Noninterest-bearing 11,158,431 11,158,431 — 11,158,431 — Interest-bearing other than time deposits 21,322,840 21,322,840 — 21,322,840 — Time deposits 4,453,927 4,391,875 — 4,391,875 — Federal funds purchased and securities sold under agreements to repurchase 513,304 513,304 — 513,304 — Corporate and subordinated debentures 391,997 376,373 — 376,373 — Other borrowings — — — — — Accrued interest payable 45,163 45,163 — 45,163 — Interest rate swap – non-designated hedge 1,251,059 1,251,059 — 1,251,059 — Other derivative financial instruments (mortgage banking related) 819 819 — 819 — Off balance sheet financial instruments: Commitments to extend credit — (604,493) — (604,493) — 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 6,752 Changes in fair value due to valuation inputs or assumptions 2,450 Changes in fair value due to decay (6,336) Fair value, September 30, 2023 $ 89,476
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 1,103 Changes in fair value due to decay (1,951) Changes in fair value due to valuation inputs or assumptions 434 Fair value, September 30, 2023 $ 5,654

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	9 Months Ended
Accumulated Other Comprehensive Loss (Tables)	Sep. 30, 2023
Accumulated Other Comprehensive Loss
Schedule of components of accumulated other comprehensive loss	Unrealized Losses Benefit on Securities (Dollars in thousands) Plans Available for Sale Total Three Months Ended September 30, 2023 Balance at June 30, 2023 $ (673) $ (661,725) $ (662,398) Other comprehensive loss before reclassifications — (153,491) (153,491) Amounts reclassified from accumulated other comprehensive loss — — — Net comprehensive loss — (153,491) (153,491) Balance at September 30, 2023 $ (673) $ (815,216) $ (815,889) Three Months Ended September 30, 2022 Balance at June 30, 2022 $ 57 $ (490,941) $ (490,884) Other comprehensive loss before reclassifications — (225,551) (225,551) Amounts reclassified from accumulated other comprehensive loss — (23) (23) Net comprehensive loss — (225,574) (225,574) Balance at September 30, 2022 $ 57 $ (716,515) $ (716,458) Nine Months Ended September 30, 2023 Balance at December 31, 2022 $ (673) $ (676,415) $ (677,088) Other comprehensive loss before reclassifications — (138,768) (138,768) Amounts reclassified from accumulated other comprehensive loss — (33) (33) Net comprehensive loss — (138,801) (138,801) Balance at September 30, 2023 $ (673) $ (815,216) $ (815,889) Nine Months Ended September 30, 2022 Balance at December 31, 2021 $ 57 $ (21,203) $ (21,146) Other comprehensive loss before reclassifications — (695,289) (695,289) Amounts reclassified from accumulated other comprehensive loss — (23) (23) Net comprehensive loss — (695,312) (695,312) Balance at September 30, 2022 $ 57 $ (716,515) $ (716,458)
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 September 30, For the Nine Months Ended September 30, Accumulated Other Comprehensive Income (Loss) Component 2023 2022 2023 2022 Income Statement Line Item Affected Gains on sales of available for sale securities: $ — $ (30) $ (45) $ (30) Securities gains, net — 7 12 7 Provision for income taxes — (23) (33) (23) Net income Total reclassifications for the period $ — $ (23) $ (33) $ (23)

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	9 Months Ended
Derivative Financial Instruments (Tables)	Sep. 30, 2023
Derivative Financial Instruments
Derivative financial instruments summary	September 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 $ 9,480 $ 600 $ — $ 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 11,182,309 5,078 1,251,059 10,480,171 8,539 1,033,980 Matched interest rate swaps with counterparty (1) Other Assets 11,091,592 205,429 — 10,400,733 201,263 — Economic hedges of interest rate risk: Pay floating rate swap with counterparty Other Assets 1,200,000 2 — — — — Not designated hedges of interest rate risk – mortgage banking activities: Contracts used to hedge mortgage servicing rights Other Liabilities 44,000 — 819 35,000 — 163 Contracts used to hedge mortgage pipeline Other Assets 89,500 1,236 — 51,000 800 — Total derivatives $ 23,616,881 $ 212,345 $ 1,251,878 $ 20,979,193 $ 211,016 $ 1,034,143 (1) The fair value of the interest rate swap derivative assets was reduced by $1.0 billion in variation margin payments applicable to swaps centrally cleared through LCH and CME.
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) September 30, 2023 December 31, 2022 Mortgage loan pipeline $ 91,885 $ 40,850 Expected closures 83,475 37,210 Fair value of mortgage loan pipeline commitments 621 524 Forward sales commitments 89,500 51,000 Fair value of forward commitments 615 276

Capital Ratios (Tables)

Capital Ratios (Tables)	9 Months Ended
Capital Ratios (Tables)	Sep. 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 September 30, 2023: Common equity Tier 1 to risk-weighted assets: Consolidated $ 4,089,424 11.47 % $ 2,495,806 7.00 % $ 2,317,534 6.50 % SouthState Bank (the Bank) 4,360,670 12.25 % 2,492,670 7.00 % 2,314,622 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 4,089,424 11.47 % 3,030,621 8.50 % 2,852,349 8.00 % SouthState Bank (the Bank) 4,360,670 12.25 % 3,026,814 8.50 % 2,848,766 8.00 % Total capital to risk-weighted assets: Consolidated 4,905,268 13.76 % 3,743,709 10.50 % 3,565,437 10.00 % SouthState Bank (the Bank) 4,786,514 13.44 % 3,739,005 10.50 % 3,560,957 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 4,089,424 9.34 % 1,751,637 4.00 % 2,189,546 5.00 % SouthState Bank (the Bank) 4,360,670 9.96 % 1,751,135 4.00 % 2,188,919 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)	9 Months Ended
Goodwill and Other Intangible Assets (Tables)	Sep. 30, 2023
Goodwill and Other Intangible Assets
Summary of gross carrying amounts and accumulated amortization of other intangible assets	September 30, December 31, (Dollars in thousands) 2023 2022 Gross carrying amount $ 274,455 $ 274,869 Accumulated amortization (179,361) (158,419) $ 95,094 $ 116,450
Schedule of estimated amortization expense for other intangibles for each of the next five quarters	(Dollars in thousands) Quarter ending: December 31, 2023 $ 6,615 March 31, 2024 6,003 June 30, 2024 5,739 September 30, 2024 5,327 December 31, 2024 5,326 Thereafter 60,429 $ 89,439

Mortgage Loan Servicing, Orig_2

Mortgage Loan Servicing, Origination, and Loans Held for Sale (Tables)	9 Months Ended
	Sep. 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 Nine Months Ended (Dollars in thousands) September 30, 2023 September 30, 2022 September 30, 2023 September 30, 2022 Increase in fair value of MSRs $ 1,762 $ 2,661 $ 2,450 $ 18,274 Decay of MSRs (2,543) (2,530) (6,336) (8,052) Loss related to derivatives (2,170) (3,572) (4,288) (17,963) Net effect on Consolidated Statements of Net Income $ (2,951) $ (3,441) $ (8,174) $ (7,741)
Schedule of characteristics and sensitivity analysis of the MSR	The characteristics and sensitivity analysis of the MSRs are included in the following table: September 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 8.26 years 8.37 years Constant Prepayment rate (CPR) 6.6 % 6.4 % Weighted average discount rate 10.6 % 10.0 % Effect on fair value due to change in interest rates 25 basis point increase $ 686 $ 774 50 basis point increase 1,231 1,428 25 basis point decrease (848) (902) 50 basis point decrease (1,877) (1,938)

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Leases (Details) $ in Millions	Sep. 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	Sep. 30, 2023	Dec. 31, 2022
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Investment Securities - Held to Maturity	$ 2,533,713	$ 2,683,241
Financing Receivable, Threshold Loss on Modifications Estimated	1,000
Accrued interest receivable (AIR)	$ 123,100	$ 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	$ 62,300
Other Assets
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Accrued interest receivable for investment securities	25,600	$ 28,200
Other Liabilities
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Liability Recorded for Expected Credit Losses on Unfunded Commitments	$ 62,300	$ 67,200

Summary of Significant Accoun_6

Summary of Significant Accounting Policies - Reclassification and Correction Derivatives (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Interest income:
Effect to interest income on federal funds sold and interest-earning deposits with banks	$ 10,831	$ 18,190	$ 31,610	$ 30,359
Net effect to interest income	500,509	376,332	1,428,971	973,137
Effect to interest expense on deposits	133,944	7,534	290,673	17,040
Net effect to interest expense	145,138	13,998	330,594	33,470
Net effect to net interest income	355,371	362,334	1,098,377	939,667
Noninterest income:
Net effect to noninterest income	72,848	73,053	221,417	245,855
Net effect to net income	124,144	133,043	387,517	352,547
Correspondent banking and capital markets income
Noninterest income:
Noninterest income	$ 12,916	16,427	$ 45,697	70,445
Adjustments
Interest income:
Effect to interest income on federal funds sold and interest-earning deposits with banks		1,522		2,203
Net effect to interest income		1,522		2,203
Effect to interest expense on deposits		(2,603)		(3,502)
Net effect to interest expense		(2,603)		(3,502)
Net effect to net interest income		4,125		5,705
Noninterest income:
Net effect to noninterest income		(4,125)		(5,705)
Adjustments \| Correspondent banking and capital markets income
Noninterest income:
Noninterest income		$ (4,125)		$ (5,705)

Mergers and Acquisitions - Atla

Mergers and Acquisitions - Atlantic Capital (Details)		3 Months Ended		9 Months Ended		12 Months Ended
Mergers and Acquisitions - Atlantic Capital (Details)	Mar. 01, 2022 USD ($) $ / shares shares	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)	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		17,970,000	$ 7,126,000	30,175,000	$ 18,779,000	$ 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		$ 0	$ 7,100,000	$ 2,400,000	$ 15,000,000
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			9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Mar. 31, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Investment securities held-to-maturity
Amortized cost	$ 2,533,713,000			$ 2,533,713,000		$ 2,683,241,000
Gross Unrealized Losses	(521,313,000)			(521,313,000)		(433,073,000)
Fair Value	2,012,400,000			2,012,400,000		2,250,168,000
Investment securities available for sale
Amortized cost	5,709,270,000			5,709,270,000		6,216,141,000
Gross Unrealized Gains	125,000			125,000		4,054,000
Gross Unrealized Losses	(1,085,777,000)			(1,085,777,000)		(893,373,000)
Fair Value	4,623,618,000			4,623,618,000		5,326,822,000
Gross realized gains		$ 103,000		1,300,000	$ 103,000
Gross realized losses		73,000		1,300,000	73,000
Securities gains, net	0	$ 30,000		45,000	$ 30,000
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	174,322,000			174,322,000		272,416,000
Gross Unrealized Losses	(2,063,000)			(2,063,000)		(6,778,000)
Fair Value	172,259,000			172,259,000		265,638,000
U.S. Government agencies
Investment securities held-to-maturity
Amortized cost	197,266,000			197,266,000		197,262,000
Gross Unrealized Losses	(33,016,000)			(33,016,000)		(29,787,000)
Fair Value	164,250,000			164,250,000		167,475,000
Investment securities available for sale
Amortized cost	246,059,000			246,059,000		245,972,000
Gross Unrealized Losses	(29,305,000)			(29,305,000)		(26,884,000)
Fair Value	216,754,000			216,754,000		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	1,474,360,000			1,474,360,000		1,591,646,000
Gross Unrealized Losses	(303,022,000)			(303,022,000)		(255,093,000)
Fair Value	1,171,338,000			1,171,338,000		1,336,553,000
Investment securities available for sale
Amortized cost	1,851,803,000			1,851,803,000		1,996,405,000
Gross Unrealized Losses	(363,097,000)			(363,097,000)		(298,052,000)
Fair Value	1,488,706,000			1,488,706,000		1,698,353,000
Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises
Investment securities held-to-maturity
Amortized cost	451,928,000			451,928,000		474,660,000
Gross Unrealized Losses	(85,938,000)			(85,938,000)		(69,664,000)
Fair Value	365,990,000			365,990,000		404,996,000
Investment securities available for sale
Amortized cost	644,581,000			644,581,000		708,337,000
Gross Unrealized Losses	(125,154,000)			(125,154,000)		(107,292,000)
Fair Value	519,427,000			519,427,000		601,045,000
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Investment securities held-to-maturity
Amortized cost	355,664,000			355,664,000		362,586,000
Gross Unrealized Losses	(85,773,000)			(85,773,000)		(66,304,000)
Fair Value	269,891,000			269,891,000		296,282,000
Investment securities available for sale
Amortized cost	1,199,936,000			1,199,936,000		1,196,700,000
Gross Unrealized Gains	3,000			3,000		2,542,000
Gross Unrealized Losses	(250,407,000)			(250,407,000)		(198,844,000)
Fair Value	949,532,000			949,532,000		1,000,398,000
State and municipal obligations
Investment securities available for sale
Amortized cost	1,132,238,000			1,132,238,000		1,269,525,000
Gross Unrealized Gains	1,000			1,000		1,210,000
Gross Unrealized Losses	(259,232,000)			(259,232,000)		(205,883,000)
Fair Value	873,007,000			873,007,000		1,064,852,000
Small Business Administration loan-backed securities
Investment securities held-to-maturity
Amortized cost	54,495,000			54,495,000		57,087,000
Gross Unrealized Losses	(13,564,000)			(13,564,000)		(12,225,000)
Fair Value	40,931,000			40,931,000		44,862,000
Investment securities available for sale
Amortized cost	429,785,000			429,785,000		491,203,000
Gross Unrealized Gains	120,000			120,000		302,000
Gross Unrealized Losses	(52,435,000)			(52,435,000)		(46,695,000)
Fair Value	377,470,000			377,470,000		444,810,000
Corporate securities.
Investment securities available for sale
Amortized cost	30,546,000			30,546,000		35,583,000
Gross Unrealized Gains	1,000			1,000
Gross Unrealized Losses	(4,084,000)			(4,084,000)		(2,945,000)
Fair Value	$ 26,463,000			$ 26,463,000		$ 32,638,000

Investment Securities - Carryin

Investment Securities - Carrying value of other investment securities (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Other investment securities
Carrying Value	$ 187,152	$ 179,717
Federal Home Loan Bank stock
Other investment securities
Carrying Value	18,085	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	$ 15,243	$ 10,808

Investment Securities - Amort_2

Investment Securities - Amortized cost and fair value by contractual maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Amortized Cost
Due in one year or less	$ 50,000
Due after one year through five years	50,994
Due after five years through ten years	407,416
Due after ten years	2,025,303
Total	2,533,713	$ 2,683,241
Fair Value
Due in one year or less	48,682
Due after one year through five years	44,922
Due after five years through ten years	341,124
Due after ten years	1,577,672
Fair Value	2,012,400	2,250,168
Amortized Cost
Due in one year or less	234,334
Due after one year through five years	256,202
Due after five years through ten years	1,342,414
Due after ten years	3,876,320
Amortized Cost	5,709,270	6,216,141
Fair Value
Due in one year or less	231,348
Due after one year through five years	239,370
Due after five years through ten years	1,104,205
Due after ten years	3,048,695
Fair Value	$ 4,623,618	$ 5,326,822

Investment Securities - Securit

Investment Securities - Securities with gross unrealized losses (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months		$ 115,297
Twelve Months or More	$ 521,313	317,776
Securities Held to Maturity, Fair Value
Less Than Twelve Months		952,682
Twelve Months or More	2,012,400	1,297,486
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	9,475	197,789
Twelve Months or More	1,076,302	695,584
Securities Available for Sale, Fair Value
Less Than Twelve Months	142,319	2,082,068
Twelve Months or More	4,447,652	3,073,871
U.S. Treasuries
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months		6,778
Twelve Months or More	2,063
Securities Available for Sale, Fair Value
Less Than Twelve Months		265,638
Twelve Months or More	172,259
U.S. Government agencies
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months		5,514
Twelve Months or More	33,016	24,273
Securities Held to Maturity, Fair Value
Less Than Twelve Months		78,833
Twelve Months or More	164,250	88,642
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months		8,193
Twelve Months or More	29,305	18,691
Securities Available for Sale, Fair Value
Less Than Twelve Months		138,807
Twelve Months or More	216,754	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	303,022	189,912
Securities Held to Maturity, Fair Value
Less Than Twelve Months		513,086
Twelve Months or More	1,171,338	823,467
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	1	42,767
Twelve Months or More	363,096	255,285
Securities Available for Sale, Fair Value
Less Than Twelve Months	94	459,773
Twelve Months or More	1,488,330	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		30,284
Twelve Months or More	85,938	39,380
Securities Held to Maturity, Fair Value
Less Than Twelve Months		277,868
Twelve Months or More	365,990	127,128
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months		21,450
Twelve Months or More	125,154	85,842
Securities Available for Sale, Fair Value
Less Than Twelve Months		274,082
Twelve Months or More	519,427	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	85,773	51,986
Securities Held to Maturity, Fair Value
Less Than Twelve Months		82,895
Twelve Months or More	269,891	213,387
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	8,606	17,156
Twelve Months or More	241,801	181,688
Securities Available for Sale, Fair Value
Less Than Twelve Months	64,756	206,228
Twelve Months or More	879,801	767,002
State and municipal obligations
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	705	97,084
Twelve Months or More	258,527	108,799
Securities Available for Sale, Fair Value
Less Than Twelve Months	9,860	616,631
Twelve Months or More	860,725	391,848
Small Business Administration loan-backed securities
Securities Held to Maturity, Gross Unrealized Losses
Twelve Months or More	13,564	12,225
Securities Held to Maturity, Fair Value
Twelve Months or More	40,931	44,862
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	163	2,152
Twelve Months or More	52,272	44,543
Securities Available for Sale, Fair Value
Less Than Twelve Months	67,609	92,535
Twelve Months or More	284,393	264,933
Corporate securities.
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months		2,209
Twelve Months or More	4,084	736
Securities Available for Sale, Fair Value
Less Than Twelve Months		28,374
Twelve Months or More	$ 25,963	$ 4,264

Investment Securities - Secur_2

Investment Securities - Securities Pledged as Collateral (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Investment Securities
Carrying amount of the securities pledged to collateralize repurchase agreements	$ 7,344,483	$ 8,189,780
Asset Pledged as Collateral [Member]
Investment Securities
Investment securities market value	2,500,000	2,700,000
Carrying amount of the securities pledged to collateralize repurchase agreements	2,800,000	2,900,000
Asset Pledged as Collateral [Member] \| Public Funds Deposits
Investment Securities
Carrying amount of the securities pledged to collateralize repurchase agreements	2,000,000	2,100,000
Asset Pledged as Collateral [Member] \| FHLB Advances
Investment Securities
Carrying amount of the securities pledged to collateralize repurchase agreements	651,900	630,000
Asset Pledged as Collateral [Member] \| Interest rate swap
Investment Securities
Carrying amount of the securities pledged to collateralize repurchase agreements	$ 133,500	$ 149,200

Investment Securities - Trading

Investment Securities - Trading Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Investment Securities
Trading securities	$ 114,154	$ 31,263
U.S. Government agencies
Investment Securities
Trading securities	9,945	11,190
Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises
Investment Securities
Trading securities	21,399
Other residential mortgage issued or guaranteed by U.S. government agencies or sponsored enterprises
Investment Securities
Trading securities	13,590
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Investment Securities
Trading securities	44,910	4,589
State and municipal obligations
Investment Securities
Trading securities	16,059	13,993
Other debt securities
Investment Securities
Trading securities	$ 8,251	$ 1,491

Investment Securities - Net gai

Investment Securities - Net gains (losses) on trading securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Investment Securities
Net (losses) gains on sales transaction	$ (76)	$ 76	$ (116)	$ (1,544)
Net mark to mark gains (losses)	176	465	(25)	(1,969)
Net gains (losses) on trading securities	$ 100	$ 541	$ (141)	$ (3,513)

Loans - Summary of loans (Detai

Loans - Summary of loans (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021
Summary of Loans
Total loans	$ 32,016,672		$ 30,177,862
Less allowance for credit losses	(447,956)	$ (427,392)	(356,444)	$ (324,398)	$ (319,708)	$ (301,807)
Loans, net	31,568,716		29,821,418
Deferred costs	64,700		49,700
Unamortized Discounts	55,200		72,100
Accrued interest receivable (AIR)	$ 123,100		$ 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	$ 2,776,241		$ 2,860,360
Consumer Owner Occupied Loans
Summary of Loans
Total loans	6,259,048		5,162,042
Home equity loans
Summary of Loans
Total loans	1,349,097		1,313,168
Commercial and industrial
Summary of Loans
Total loans	5,458,229		5,313,483
Other income producing property
Summary of Loans
Total loans	670,331		696,242
Consumer loans
Summary of Loans
Total loans	1,258,078		1,278,426
Other loans
Summary of Loans
Total loans	4,199		20,989
Commercial loans
Summary of Loans
Total loans	22,222,778		21,430,337
Commercial loans \| Construction and land development
Summary of Loans
Total loans	1,913,161		1,956,300
Commercial loans \| Commercial non-owner occupied
Summary of Loans
Total loans	8,702,352		8,072,959
Commercial loans \| Commercial non-owner occupied real estate.
Summary of Loans
Total loans	5,539,097		5,460,193
Commercial loans \| Consumer Owner Occupied Loans
Summary of Loans
Total loans	50,186		30,741
Commercial loans \| Commercial owner occupied real estate loan
Summary of Loans
Total loans	5,539,097		5,460,193
Commercial loans \| Commercial and industrial
Summary of Loans
Total loans	5,458,229		5,313,483
Commercial loans \| Other income producing property
Summary of Loans
Total loans	555,554		575,672
Commercial loans \| Other loans
Summary of Loans
Total loans	4,199		20,989
Consumer portfolio loans
Summary of Loans
Total loans	9,793,894		8,747,525
Consumer portfolio loans \| Construction and land development
Summary of Loans
Total loans	863,080		904,060
Consumer portfolio loans \| Consumer Owner Occupied Loans
Summary of Loans
Total loans	6,208,862		5,131,301
Consumer portfolio loans \| Home equity loans
Summary of Loans
Total loans	1,349,097		1,313,168
Consumer portfolio loans \| Other income producing property
Summary of Loans
Total loans	114,777		120,570
Consumer portfolio loans \| Consumer loans
Summary of Loans
Total loans	$ 1,258,078		$ 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		9 Months Ended		12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Loans
Amortized Cost Basis by Origination Year - 2023	$ 3,685,850		$ 3,685,850		$ 8,589,197
Amortized Cost Basis by Origination Year - 2022	8,900,782		8,900,782		6,907,684
Amortized Cost Basis by Origination Year - 2021	6,553,671		6,553,671		3,112,648
Amortized Cost Basis by Origination Year - 2020	2,675,993		2,675,993		2,533,623
Amortized Cost Basis by Origination Year - 2019	2,183,676		2,183,676		1,539,466
Amortized Cost Basis by Origination Year - Prior	4,757,618		4,757,618		4,173,570
Amortized Cost Basis by Origination Year - Revolving	3,259,082		3,259,082		3,321,674
Total loans	32,016,672		32,016,672		30,177,862
Current-period gross charge-offs - 2023			3,782		291
Current-period gross charge-offs - 2022			3,534		3,478
Current-period gross charge-offs - 2021			13,255		556
Current-period gross charge-offs - 2020			670		2,063
Current-period gross charge-offs - 2019			927		2,299
Current-period gross charge-offs - Prior			1,275		4,842
Current-period gross charge-offs - Revolving			6,732		9,917
Current-period gross charge-offs - Total	17,970	$ 7,126	30,175	$ 18,779	23,446
30 days past due
Loans
Total loans	61,071		61,071		68,416
60 days past due
Loans
Total loans	28,966		28,966		31,607
90 days past due
Loans
Total loans	2,604		2,604		4,350
Construction and land development
Loans
Total loans	2,776,241		2,776,241		2,860,360
Construction and land development \| 30 days past due
Loans
Total loans	1,272		1,272		2,146
Construction and land development \| 60 days past due
Loans
Total loans	474		474		3,653
Construction and land development \| 90 days past due
Loans
Total loans	46		46
Commercial and industrial
Loans
Total loans	5,458,229		5,458,229		5,313,483
Commercial and industrial \| 30 days past due
Loans
Total loans	27,715		27,715		24,500
Commercial and industrial \| 60 days past due
Loans
Total loans	14,819		14,819		11,677
Commercial and industrial \| 90 days past due
Loans
Total loans	806		806		1,704
Other income producing property
Loans
Total loans	670,331		670,331		696,242
Other income producing property \| 30 days past due
Loans
Total loans	301		301		1,623
Other income producing property \| 60 days past due
Loans
Total loans	288		288		1,480
Other income producing property \| 90 days past due
Loans
Total loans					298
Consumer Owner Occupied Loans
Loans
Total loans	6,259,048		6,259,048		5,162,042
Consumer Owner Occupied Loans \| 30 days past due
Loans
Total loans	5,145		5,145		6,001
Consumer Owner Occupied Loans \| 60 days past due
Loans
Total loans	1,595		1,595		744
Consumer Owner Occupied Loans \| 90 days past due
Loans
Total loans	26		26		40
Home equity loans
Loans
Total loans	1,349,097		1,349,097		1,313,168
Home equity loans \| 30 days past due
Loans
Total loans	3,221		3,221		2,527
Home equity loans \| 60 days past due
Loans
Total loans	949		949		361
Home equity loans \| 90 days past due
Loans
Total loans	1		1
Consumer loans
Loans
Total loans	1,258,078		1,258,078		1,278,426
Consumer loans \| 30 days past due
Loans
Total loans	14,522		14,522		19,713
Consumer loans \| 60 days past due
Loans
Total loans	7,965		7,965		10,655
Consumer loans \| 90 days past due
Loans
Total loans	24		24
Other loans
Loans
Total loans	4,199		4,199		20,989
Commercial loans
Loans
Amortized Cost Basis by Origination Year - 2023	2,478,373		2,478,373		5,965,333
Amortized Cost Basis by Origination Year - 2022	5,999,669		5,999,669		4,853,572
Amortized Cost Basis by Origination Year - 2021	4,594,348		4,594,348		2,281,793
Amortized Cost Basis by Origination Year - 2020	1,927,848		1,927,848		2,112,230
Amortized Cost Basis by Origination Year - 2019	1,806,946		1,806,946		1,292,239
Amortized Cost Basis by Origination Year - Prior	3,679,015		3,679,015		3,156,201
Amortized Cost Basis by Origination Year - Revolving	1,736,579		1,736,579		1,768,969
Total loans	22,222,778		22,222,778		21,430,337
Current-period gross charge-offs - 2023			3,551		12
Current-period gross charge-offs - 2022			2,295		2,825
Current-period gross charge-offs - 2021			12,849		198
Current-period gross charge-offs - 2020			381		1,773
Current-period gross charge-offs - 2019			765		2,214
Current-period gross charge-offs - Prior			833		3,828
Current-period gross charge-offs - Revolving			395		1,792
Current-period gross charge-offs - Total			21,069		12,642
Commercial loans \| Pass
Loans
Amortized Cost Basis by Origination Year - 2023	2,382,778		2,382,778		5,911,188
Amortized Cost Basis by Origination Year - 2022	5,898,525		5,898,525		4,719,732
Amortized Cost Basis by Origination Year - 2021	4,497,347		4,497,347		2,245,766
Amortized Cost Basis by Origination Year - 2020	1,838,284		1,838,284		2,053,868
Amortized Cost Basis by Origination Year - 2019	1,719,027		1,719,027		1,227,113
Amortized Cost Basis by Origination Year - Prior	3,466,254		3,466,254		2,968,415
Amortized Cost Basis by Origination Year - Revolving	1,644,950		1,644,950		1,698,688
Total loans	21,447,165		21,447,165		20,824,770
Commercial loans \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2023	35,323		35,323		20,216
Amortized Cost Basis by Origination Year - 2022	64,495		64,495		35,235
Amortized Cost Basis by Origination Year - 2021	38,533		38,533		9,381
Amortized Cost Basis by Origination Year - 2020	48,585		48,585		21,567
Amortized Cost Basis by Origination Year - 2019	25,210		25,210		42,014
Amortized Cost Basis by Origination Year - Prior	46,137		46,137		73,870
Amortized Cost Basis by Origination Year - Revolving	24,560		24,560		33,035
Total loans	282,843		282,843		235,318
Commercial loans \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2023	60,266		60,266		33,528
Amortized Cost Basis by Origination Year - 2022	36,640		36,640		98,604
Amortized Cost Basis by Origination Year - 2021	58,438		58,438		26,645
Amortized Cost Basis by Origination Year - 2020	40,976		40,976		36,716
Amortized Cost Basis by Origination Year - 2019	62,709		62,709		22,956
Amortized Cost Basis by Origination Year - Prior	166,600		166,600		113,348
Amortized Cost Basis by Origination Year - Revolving	67,066		67,066		37,244
Total loans	492,695		492,695		369,041
Commercial loans \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2023	6		6		401
Amortized Cost Basis by Origination Year - 2022	9		9		1
Amortized Cost Basis by Origination Year - 2021	30		30		1
Amortized Cost Basis by Origination Year - 2020	3		3		79
Amortized Cost Basis by Origination Year - 2019					156
Amortized Cost Basis by Origination Year - Prior	24		24		568
Amortized Cost Basis by Origination Year - Revolving	3		3		2
Total loans	75		75		1,208
Commercial loans \| Construction and land development
Loans
Amortized Cost Basis by Origination Year - 2023	342,812		342,812		877,608
Amortized Cost Basis by Origination Year - 2022	933,044		933,044		754,382
Amortized Cost Basis by Origination Year - 2021	504,028		504,028		135,275
Amortized Cost Basis by Origination Year - 2020	24,642		24,642		65,841
Amortized Cost Basis by Origination Year - 2019	12,959		12,959		21,740
Amortized Cost Basis by Origination Year - Prior	34,828		34,828		35,798
Amortized Cost Basis by Origination Year - Revolving	60,848		60,848		65,656
Total loans	1,913,161		1,913,161		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	342,418		342,418		875,751
Amortized Cost Basis by Origination Year - 2022	920,495		920,495		742,985
Amortized Cost Basis by Origination Year - 2021	502,988		502,988		134,996
Amortized Cost Basis by Origination Year - 2020	24,380		24,380		63,439
Amortized Cost Basis by Origination Year - 2019	10,853		10,853		14,521
Amortized Cost Basis by Origination Year - Prior	27,023		27,023		29,442
Amortized Cost Basis by Origination Year - Revolving	60,848		60,848		65,656
Total loans	1,889,005		1,889,005		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	11,530		11,530		988
Amortized Cost Basis by Origination Year - 2021	1,040		1,040		268
Amortized Cost Basis by Origination Year - 2020	9		9		76
Amortized Cost Basis by Origination Year - 2019	817		817		7,219
Amortized Cost Basis by Origination Year - Prior	473		473		2,068
Total loans	13,869		13,869		12,262
Commercial loans \| Construction and land development \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2023	394		394		214
Amortized Cost Basis by Origination Year - 2022	1,019		1,019		10,409
Amortized Cost Basis by Origination Year - 2021					11
Amortized Cost Basis by Origination Year - 2020	251		251		2,326
Amortized Cost Basis by Origination Year - 2019	1,289		1,289
Amortized Cost Basis by Origination Year - Prior	7,327		7,327		4,282
Total loans	10,280		10,280		17,242
Commercial loans \| Construction and land development \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2020	2		2
Amortized Cost Basis by Origination Year - Prior	5		5		6
Total loans	7		7		6
Commercial loans \| Commercial non-owner occupied
Loans
Amortized Cost Basis by Origination Year - 2023	683,985		683,985		2,266,778
Amortized Cost Basis by Origination Year - 2022	2,551,598		2,551,598		1,878,862
Amortized Cost Basis by Origination Year - 2021	2,056,852		2,056,852		818,336
Amortized Cost Basis by Origination Year - 2020	757,233		757,233		980,205
Amortized Cost Basis by Origination Year - 2019	835,988		835,988		536,889
Amortized Cost Basis by Origination Year - Prior	1,721,873		1,721,873		1,475,873
Amortized Cost Basis by Origination Year - Revolving	94,823		94,823		116,016
Total loans	8,702,352		8,702,352		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	4,922		4,922		1,158
Commercial loans \| Commercial non-owner occupied \| 60 days past due
Loans
Total loans	1,378		1,378		978
Commercial loans \| Commercial non-owner occupied \| 90 days past due
Loans
Total loans					77
Commercial loans \| Commercial non-owner occupied \| Pass
Loans
Amortized Cost Basis by Origination Year - 2023	627,660		627,660		2,245,943
Amortized Cost Basis by Origination Year - 2022	2,535,022		2,535,022		1,849,079
Amortized Cost Basis by Origination Year - 2021	2,036,897		2,036,897		816,791
Amortized Cost Basis by Origination Year - 2020	704,631		704,631		959,707
Amortized Cost Basis by Origination Year - 2019	791,932		791,932		506,350
Amortized Cost Basis by Origination Year - Prior	1,629,748		1,629,748		1,417,397
Amortized Cost Basis by Origination Year - Revolving	94,728		94,728		108,759
Total loans	8,420,618		8,420,618		7,904,026
Commercial loans \| Commercial non-owner occupied \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2023	24,499		24,499		7,579
Amortized Cost Basis by Origination Year - 2022	6,089		6,089		4,225
Amortized Cost Basis by Origination Year - 2021	4,074		4,074		936
Amortized Cost Basis by Origination Year - 2020	33,091		33,091		11,036
Amortized Cost Basis by Origination Year - 2019	9,935		9,935		24,067
Amortized Cost Basis by Origination Year - Prior	13,889		13,889		32,110
Amortized Cost Basis by Origination Year - Revolving	95		95		5,000
Total loans	91,672		91,672		84,953
Commercial loans \| Commercial non-owner occupied \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2023	31,826		31,826		13,256
Amortized Cost Basis by Origination Year - 2022	10,487		10,487		25,557
Amortized Cost Basis by Origination Year - 2021	15,880		15,880		609
Amortized Cost Basis by Origination Year - 2020	19,511		19,511		9,383
Amortized Cost Basis by Origination Year - 2019	34,121		34,121		6,472
Amortized Cost Basis by Origination Year - Prior	78,236		78,236		26,366
Amortized Cost Basis by Origination Year - Revolving					2,257
Total loans	190,061		190,061		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	444,882		444,882		1,063,043
Amortized Cost Basis by Origination Year - 2022	1,120,143		1,120,143		1,195,762
Amortized Cost Basis by Origination Year - 2021	1,171,854		1,171,854		748,386
Amortized Cost Basis by Origination Year - 2020	681,763		681,763		734,105
Amortized Cost Basis by Origination Year - 2019	703,150		703,150		463,144
Amortized Cost Basis by Origination Year - Prior	1,327,865		1,327,865		1,178,058
Amortized Cost Basis by Origination Year - Revolving	89,440		89,440		77,695
Total loans	5,539,097		5,539,097		5,460,193
Current-period gross charge-offs - 2022			126
Current-period gross charge-offs - 2020					1,143
Current-period gross charge-offs - Prior					833
Current-period gross charge-offs - Total			126		1,976
Commercial loans \| Commercial owner occupied real estate loan \| 30 days past due
Loans
Total loans	3,973		3,973		10,748
Commercial loans \| Commercial owner occupied real estate loan \| 60 days past due
Loans
Total loans	1,498		1,498		2,059
Commercial loans \| Commercial owner occupied real estate loan \| 90 days past due
Loans
Total loans	1,701		1,701		2,231
Commercial loans \| Commercial owner occupied real estate loan \| Pass
Loans
Amortized Cost Basis by Origination Year - 2023	428,352		428,352		1,046,562
Amortized Cost Basis by Origination Year - 2022	1,074,223		1,074,223		1,136,289
Amortized Cost Basis by Origination Year - 2021	1,125,327		1,125,327		725,040
Amortized Cost Basis by Origination Year - 2020	653,996		653,996		709,669
Amortized Cost Basis by Origination Year - 2019	674,921		674,921		446,497
Amortized Cost Basis by Origination Year - Prior	1,239,235		1,239,235		1,080,522
Amortized Cost Basis by Origination Year - Revolving	80,845		80,845		75,506
Total loans	5,276,899		5,276,899		5,220,085
Commercial loans \| Commercial owner occupied real estate loan \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2023	1,560		1,560		3,620
Amortized Cost Basis by Origination Year - 2022	33,594		33,594		25,263
Amortized Cost Basis by Origination Year - 2021	22,258		22,258		3,383
Amortized Cost Basis by Origination Year - 2020	12,318		12,318		7,934
Amortized Cost Basis by Origination Year - 2019	9,581		9,581		7,160
Amortized Cost Basis by Origination Year - Prior	27,864		27,864		34,724
Amortized Cost Basis by Origination Year - Revolving	8,595		8,595		1,294
Total loans	115,770		115,770		83,378
Commercial loans \| Commercial owner occupied real estate loan \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2023	14,967		14,967		12,861
Amortized Cost Basis by Origination Year - 2022	12,326		12,326		34,210
Amortized Cost Basis by Origination Year - 2021	24,269		24,269		19,962
Amortized Cost Basis by Origination Year - 2020	15,448		15,448		16,502
Amortized Cost Basis by Origination Year - 2019	18,648		18,648		9,487
Amortized Cost Basis by Origination Year - Prior	60,762		60,762		62,808
Amortized Cost Basis by Origination Year - Revolving					895
Total loans	146,420		146,420		156,725
Commercial loans \| Commercial owner occupied real estate loan \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2023	3		3
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	8		8		5
Commercial loans \| Commercial and industrial
Loans
Amortized Cost Basis by Origination Year - 2023	942,819		942,819		1,578,396
Amortized Cost Basis by Origination Year - 2022	1,250,604		1,250,604		927,124
Amortized Cost Basis by Origination Year - 2021	755,135		755,135		514,826
Amortized Cost Basis by Origination Year - 2020	407,208		407,208		282,896
Amortized Cost Basis by Origination Year - 2019	208,815		208,815		222,838
Amortized Cost Basis by Origination Year - Prior	469,629		469,629		343,500
Amortized Cost Basis by Origination Year - Revolving	1,424,019		1,424,019		1,443,903
Total loans	5,458,229		5,458,229		5,313,483
Current-period gross charge-offs - 2023			3,551		4
Current-period gross charge-offs - 2022			2,169		2,825
Current-period gross charge-offs - 2021			12,798		198
Current-period gross charge-offs - 2020			381		630
Current-period gross charge-offs - 2019			765		2,214
Current-period gross charge-offs - Prior			831		2,589
Current-period gross charge-offs - Revolving			395		1,742
Current-period gross charge-offs - Total			20,890		10,202
Commercial loans \| Commercial and industrial \| Pass
Loans
Amortized Cost Basis by Origination Year - 2023	921,531		921,531		1,566,203
Amortized Cost Basis by Origination Year - 2022	1,225,758		1,225,758		895,368
Amortized Cost Basis by Origination Year - 2021	728,158		728,158		506,655
Amortized Cost Basis by Origination Year - 2020	399,814		399,814		274,446
Amortized Cost Basis by Origination Year - 2019	197,974		197,974		212,522
Amortized Cost Basis by Origination Year - Prior	454,648		454,648		333,286
Amortized Cost Basis by Origination Year - Revolving	1,343,128		1,343,128		1,386,678
Total loans	5,271,011		5,271,011		5,175,158
Commercial loans \| Commercial and industrial \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2023	8,950		8,950		5,885
Amortized Cost Basis by Origination Year - 2022	12,662		12,662		3,782
Amortized Cost Basis by Origination Year - 2021	10,435		10,435		3,401
Amortized Cost Basis by Origination Year - 2020	3,032		3,032		1,859
Amortized Cost Basis by Origination Year - 2019	4,310		4,310		3,378
Amortized Cost Basis by Origination Year - Prior	1,307		1,307		1,316
Amortized Cost Basis by Origination Year - Revolving	14,455		14,455		24,347
Total loans	55,151		55,151		43,968
Commercial loans \| Commercial and industrial \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2023	12,335		12,335		6,308
Amortized Cost Basis by Origination Year - 2022	12,175		12,175		27,974
Amortized Cost Basis by Origination Year - 2021	16,513		16,513		4,770
Amortized Cost Basis by Origination Year - 2020	4,362		4,362		6,591
Amortized Cost Basis by Origination Year - 2019	6,531		6,531		6,783
Amortized Cost Basis by Origination Year - Prior	13,661		13,661		8,476
Amortized Cost Basis by Origination Year - Revolving	66,433		66,433		32,876
Total loans	132,010		132,010		93,778
Commercial loans \| Commercial and industrial \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2023	3		3
Amortized Cost Basis by Origination Year - 2022	9		9
Amortized Cost Basis by Origination Year - 2021	29		29
Amortized Cost Basis by Origination Year - 2019					155
Amortized Cost Basis by Origination Year - Prior	13		13		422
Amortized Cost Basis by Origination Year - Revolving	3		3		2
Total loans	57		57		579
Commercial loans \| Other income producing property
Loans
Amortized Cost Basis by Origination Year - 2023	50,612		50,612		152,022
Amortized Cost Basis by Origination Year - 2022	139,346		139,346		94,203
Amortized Cost Basis by Origination Year - 2021	103,475		103,475		63,011
Amortized Cost Basis by Origination Year - 2020	54,585		54,585		46,867
Amortized Cost Basis by Origination Year - 2019	43,874		43,874		47,559
Amortized Cost Basis by Origination Year - Prior	124,248		124,248		122,438
Amortized Cost Basis by Origination Year - Revolving	39,414		39,414		49,572
Total loans	555,554		555,554		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	49,793		49,793		149,793
Amortized Cost Basis by Origination Year - 2022	138,439		138,439		92,887
Amortized Cost Basis by Origination Year - 2021	100,992		100,992		60,473
Amortized Cost Basis by Origination Year - 2020	54,040		54,040		46,189
Amortized Cost Basis by Origination Year - 2019	43,035		43,035		47,155
Amortized Cost Basis by Origination Year - Prior	115,214		115,214		107,436
Amortized Cost Basis by Origination Year - Revolving	37,516		37,516		46,179
Total loans	539,029		539,029		550,112
Commercial loans \| Other income producing property \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2023	75		75		952
Amortized Cost Basis by Origination Year - 2022	275		275		957
Amortized Cost Basis by Origination Year - 2021	707		707		1,257
Amortized Cost Basis by Origination Year - 2020	69		69		378
Amortized Cost Basis by Origination Year - 2019	293		293		190
Amortized Cost Basis by Origination Year - Prior	2,604		2,604		3,652
Amortized Cost Basis by Origination Year - Revolving	1,415		1,415		2,328
Total loans	5,438		5,438		9,714
Commercial loans \| Other income producing property \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2023	744		744		876
Amortized Cost Basis by Origination Year - 2022	632		632		359
Amortized Cost Basis by Origination Year - 2021	1,776		1,776		1,281
Amortized Cost Basis by Origination Year - 2020	476		476		300
Amortized Cost Basis by Origination Year - 2019	546		546		214
Amortized Cost Basis by Origination Year - Prior	6,430		6,430		11,214
Amortized Cost Basis by Origination Year - Revolving	483		483		1,065
Total loans	11,087		11,087		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					136
Total loans					537
Commercial loans \| Consumer Owner Occupied Loans
Loans
Amortized Cost Basis by Origination Year - 2023	9,064		9,064		6,497
Amortized Cost Basis by Origination Year - 2022	4,934		4,934		3,239
Amortized Cost Basis by Origination Year - 2021	3,004		3,004		1,959
Amortized Cost Basis by Origination Year - 2020	2,417		2,417		2,316
Amortized Cost Basis by Origination Year - 2019	2,160		2,160		69
Amortized Cost Basis by Origination Year - Prior	572		572		534
Amortized Cost Basis by Origination Year - Revolving	28,035		28,035		16,127
Total loans	50,186		50,186		30,741
Commercial loans \| Consumer Owner Occupied Loans \| Pass
Loans
Amortized Cost Basis by Origination Year - 2023	8,825		8,825		5,947
Amortized Cost Basis by Origination Year - 2022	4,588		4,588		3,124
Amortized Cost Basis by Origination Year - 2021	2,985		2,985		1,811
Amortized Cost Basis by Origination Year - 2020	1,423		1,423		418
Amortized Cost Basis by Origination Year - 2019	312		312		68
Amortized Cost Basis by Origination Year - Prior	386		386		332
Amortized Cost Basis by Origination Year - Revolving	27,885		27,885		15,910
Total loans	46,404		46,404		27,610
Commercial loans \| Consumer Owner Occupied Loans \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2023	239		239		537
Amortized Cost Basis by Origination Year - 2022	345		345		20
Amortized Cost Basis by Origination Year - 2021	19		19		136
Amortized Cost Basis by Origination Year - 2020	66		66		284
Amortized Cost Basis by Origination Year - 2019	274		274
Amortized Cost Basis by Origination Year - Revolving					66
Total loans	943		943		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	1		1		95
Amortized Cost Basis by Origination Year - 2021					12
Amortized Cost Basis by Origination Year - 2020	928		928		1,614
Amortized Cost Basis by Origination Year - 2019	1,574		1,574
Amortized Cost Basis by Origination Year - Prior	184		184		202
Amortized Cost Basis by Origination Year - Revolving	150		150		151
Total loans	2,837		2,837		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	2		2
Total loans	2		2		1
Commercial loans \| Other loans
Loans
Amortized Cost Basis by Origination Year - 2023	4,199		4,199		20,989
Total loans	4,199		4,199		20,989
Commercial loans \| Other loans \| Pass
Loans
Amortized Cost Basis by Origination Year - 2023	4,199		4,199		20,989
Total loans	4,199		4,199		20,989
Consumer portfolio loans
Loans
Amortized Cost Basis by Origination Year - 2023	1,207,477		1,207,477		2,623,864
Amortized Cost Basis by Origination Year - 2022	2,901,113		2,901,113		2,054,112
Amortized Cost Basis by Origination Year - 2021	1,959,323		1,959,323		830,855
Amortized Cost Basis by Origination Year - 2020	748,145		748,145		421,393
Amortized Cost Basis by Origination Year - 2019	376,730		376,730		247,227
Amortized Cost Basis by Origination Year - Prior	1,078,603		1,078,603		1,017,369
Amortized Cost Basis by Origination Year - Revolving	1,522,503		1,522,503		1,552,705
Total loans	9,793,894		9,793,894		8,747,525
Current-period gross charge-offs - 2023			231		279
Current-period gross charge-offs - 2022			1,239		653
Current-period gross charge-offs - 2021			406		358
Current-period gross charge-offs - 2020			289		290
Current-period gross charge-offs - 2019			162		85
Current-period gross charge-offs - Prior			442		1,014
Current-period gross charge-offs - Revolving			6,337		8,125
Current-period gross charge-offs - Total			9,106		10,804
Consumer portfolio loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2023	1,205,980		1,205,980		2,621,392
Amortized Cost Basis by Origination Year - 2022	2,895,625		2,895,625		2,051,220
Amortized Cost Basis by Origination Year - 2021	1,955,795		1,955,795		826,906
Amortized Cost Basis by Origination Year - 2020	745,679		745,679		419,742
Amortized Cost Basis by Origination Year - 2019	375,380		375,380		245,166
Amortized Cost Basis by Origination Year - Prior	1,066,266		1,066,266		1,005,834
Amortized Cost Basis by Origination Year - Revolving	1,498,245		1,498,245		1,522,165
Total loans	9,742,970		9,742,970		8,692,425
Consumer portfolio loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	826		826		2,036
Amortized Cost Basis by Origination Year - 2022	1,705		1,705		1,448
Amortized Cost Basis by Origination Year - 2021	2,041		2,041		1,914
Amortized Cost Basis by Origination Year - 2020	930		930		972
Amortized Cost Basis by Origination Year - 2019	614		614		776
Amortized Cost Basis by Origination Year - Prior	4,332		4,332		3,810
Amortized Cost Basis by Origination Year - Revolving	14,970		14,970		19,057
Total loans	25,418		25,418		30,013
Consumer portfolio loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	665		665		310
Amortized Cost Basis by Origination Year - 2022	1,317		1,317		440
Amortized Cost Basis by Origination Year - 2021	766		766		705
Amortized Cost Basis by Origination Year - 2020	227		227		72
Amortized Cost Basis by Origination Year - 2019	292		292		456
Amortized Cost Basis by Origination Year - Prior	2,847		2,847		2,256
Amortized Cost Basis by Origination Year - Revolving	7,412		7,412		10,376
Total loans	13,526		13,526		14,615
Consumer portfolio loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	6		6		126
Amortized Cost Basis by Origination Year - 2022	2,466		2,466		1,004
Amortized Cost Basis by Origination Year - 2021	721		721		1,330
Amortized Cost Basis by Origination Year - 2020	1,309		1,309		607
Amortized Cost Basis by Origination Year - 2019	444		444		829
Amortized Cost Basis by Origination Year - Prior	5,158		5,158		5,469
Amortized Cost Basis by Origination Year - Revolving	1,876		1,876		1,107
Total loans	11,980		11,980		10,472
Consumer portfolio loans \| Construction and land development
Loans
Amortized Cost Basis by Origination Year - 2023	104,146		104,146		466,477
Amortized Cost Basis by Origination Year - 2022	548,704		548,704		351,485
Amortized Cost Basis by Origination Year - 2021	159,300		159,300		50,908
Amortized Cost Basis by Origination Year - 2020	26,240		26,240		14,110
Amortized Cost Basis by Origination Year - 2019	9,188		9,188		7,029
Amortized Cost Basis by Origination Year - Prior	15,502		15,502		13,672
Amortized Cost Basis by Origination Year - Revolving					379
Total loans	863,080		863,080		904,060
Current-period gross charge-offs - 2021					21
Current-period gross charge-offs - Prior			8		4
Current-period gross charge-offs - Total			8		25
Consumer portfolio loans \| Construction and land development \| Current due
Loans
Amortized Cost Basis by Origination Year - 2023	104,143		104,143		466,475
Amortized Cost Basis by Origination Year - 2022	548,493		548,493		351,485
Amortized Cost Basis by Origination Year - 2021	159,300		159,300		50,472
Amortized Cost Basis by Origination Year - 2020	26,240		26,240		14,053
Amortized Cost Basis by Origination Year - 2019	9,188		9,188		7,006
Amortized Cost Basis by Origination Year - Prior	15,415		15,415		13,588
Amortized Cost Basis by Origination Year - Revolving					379
Total loans	862,779		862,779		903,458
Consumer portfolio loans \| Construction and land development \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2023					2
Amortized Cost Basis by Origination Year - 2020					57
Amortized Cost Basis by Origination Year - 2019					23
Amortized Cost Basis by Origination Year - Prior	59		59		43
Total loans	59		59		125
Consumer portfolio loans \| Construction and land development \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - Prior	11		11
Total loans	11		11
Consumer portfolio loans \| Construction and land development \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	3		3
Amortized Cost Basis by Origination Year - 2022	211		211
Amortized Cost Basis by Origination Year - 2021					436
Amortized Cost Basis by Origination Year - Prior	17		17		41
Total loans	231		231		477
Consumer portfolio loans \| Commercial non-owner occupied
Loans
Current-period gross charge-offs - 2023			18
Current-period gross charge-offs - 2022			49
Current-period gross charge-offs - 2021			27
Current-period gross charge-offs - Prior			2
Current-period gross charge-offs - Total			96
Consumer portfolio loans \| Other income producing property
Loans
Amortized Cost Basis by Origination Year - 2023	6,329		6,329		45,717
Amortized Cost Basis by Origination Year - 2022	43,588		43,588		21,421
Amortized Cost Basis by Origination Year - 2021	19,013		19,013		4,937
Amortized Cost Basis by Origination Year - 2020	4,435		4,435		2,663
Amortized Cost Basis by Origination Year - 2019	2,558		2,558		4,322
Amortized Cost Basis by Origination Year - Prior	38,573		38,573		40,886
Amortized Cost Basis by Origination Year - Revolving	281		281		624
Total loans	114,777		114,777		120,570
Consumer portfolio loans \| Other income producing property \| Current due
Loans
Amortized Cost Basis by Origination Year - 2023	6,329		6,329		45,717
Amortized Cost Basis by Origination Year - 2022	43,588		43,588		21,421
Amortized Cost Basis by Origination Year - 2021	18,825		18,825		4,937
Amortized Cost Basis by Origination Year - 2020	4,435		4,435		2,663
Amortized Cost Basis by Origination Year - 2019	2,558		2,558		4,322
Amortized Cost Basis by Origination Year - Prior	38,139		38,139		40,680
Amortized Cost Basis by Origination Year - Revolving	281		281		624
Total loans	114,155		114,155		120,364
Consumer portfolio loans \| Other income producing property \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - Prior	313		313		62
Total loans	313		313		62
Consumer portfolio loans \| Other income producing property \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2021	188		188
Amortized Cost Basis by Origination Year - Prior					23
Total loans	188		188		23
Consumer portfolio loans \| Other income producing property \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - Prior	121		121		121
Total loans	121		121		121
Consumer portfolio loans \| Consumer Owner Occupied Loans
Loans
Amortized Cost Basis by Origination Year - 2023	829,938		829,938		1,697,025
Amortized Cost Basis by Origination Year - 2022	1,973,016		1,973,016		1,469,615
Amortized Cost Basis by Origination Year - 2021	1,621,189		1,621,189		660,041
Amortized Cost Basis by Origination Year - 2020	632,393		632,393		316,576
Amortized Cost Basis by Origination Year - 2019	298,104		298,104		188,758
Amortized Cost Basis by Origination Year - Prior	854,222		854,222		799,286
Total loans	6,208,862		6,208,862		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	828,826		828,826		1,695,454
Amortized Cost Basis by Origination Year - 2022	1,968,603		1,968,603		1,467,080
Amortized Cost Basis by Origination Year - 2021	1,618,466		1,618,466		657,005
Amortized Cost Basis by Origination Year - 2020	630,494		630,494		315,458
Amortized Cost Basis by Origination Year - 2019	297,347		297,347		187,580
Amortized Cost Basis by Origination Year - Prior	847,666		847,666		792,572
Total loans	6,191,402		6,191,402		5,115,149
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	515		515		1,316
Amortized Cost Basis by Origination Year - 2022	1,396		1,396		1,254
Amortized Cost Basis by Origination Year - 2021	1,665		1,665		1,681
Amortized Cost Basis by Origination Year - 2020	657		657		664
Amortized Cost Basis by Origination Year - 2019	239		239		272
Amortized Cost Basis by Origination Year - Prior	1,914		1,914		2,028
Total loans	6,386		6,386		7,215
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	597		597		255
Amortized Cost Basis by Origination Year - 2022	1,047		1,047		337
Amortized Cost Basis by Origination Year - 2021	493		493		579
Amortized Cost Basis by Origination Year - 2020	143		143
Amortized Cost Basis by Origination Year - 2019	202		202		242
Amortized Cost Basis by Origination Year - Prior	1,239		1,239		1,650
Total loans	3,721		3,721		3,063
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2022	1,970		1,970		944
Amortized Cost Basis by Origination Year - 2021	565		565		776
Amortized Cost Basis by Origination Year - 2020	1,099		1,099		454
Amortized Cost Basis by Origination Year - 2019	316		316		664
Amortized Cost Basis by Origination Year - Prior	3,403		3,403		3,036
Total loans	7,353		7,353		5,874
Consumer portfolio loans \| Home equity loans
Loans
Amortized Cost Basis by Origination Year - 2023	6,037		6,037		5,921
Amortized Cost Basis by Origination Year - 2022	6,188		6,188		5,231
Amortized Cost Basis by Origination Year - 2021	4,138		4,138		3,516
Amortized Cost Basis by Origination Year - 2020	2,442		2,442		1,760
Amortized Cost Basis by Origination Year - 2019	846		846		2,443
Amortized Cost Basis by Origination Year - Prior	14,392		14,392		19,000
Amortized Cost Basis by Origination Year - Revolving	1,315,054		1,315,054		1,275,297
Total loans	1,349,097		1,349,097		1,313,168
Current-period gross charge-offs - 2020			39		19
Current-period gross charge-offs - Prior			29		280
Current-period gross charge-offs - Revolving			59		146
Current-period gross charge-offs - Total			127		445
Consumer portfolio loans \| Home equity loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2023	5,918		5,918		5,921
Amortized Cost Basis by Origination Year - 2022	6,092		6,092		5,231
Amortized Cost Basis by Origination Year - 2021	3,941		3,941		3,282
Amortized Cost Basis by Origination Year - 2020	2,250		2,250		1,560
Amortized Cost Basis by Origination Year - 2019	553		553		1,955
Amortized Cost Basis by Origination Year - Prior	12,740		12,740		17,941
Amortized Cost Basis by Origination Year - Revolving	1,311,305		1,311,305		1,272,848
Total loans	1,342,799		1,342,799		1,308,738
Consumer portfolio loans \| Home equity loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	119		119
Amortized Cost Basis by Origination Year - 2022	47		47
Amortized Cost Basis by Origination Year - 2021	177		177		155
Amortized Cost Basis by Origination Year - 2020					77
Amortized Cost Basis by Origination Year - 2019	205		205		418
Amortized Cost Basis by Origination Year - Prior	733		733		422
Amortized Cost Basis by Origination Year - Revolving	2,708		2,708		1,586
Total loans	3,989		3,989		2,658
Consumer portfolio loans \| Home equity loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2021	20		20		19
Amortized Cost Basis by Origination Year - 2020					36
Amortized Cost Basis by Origination Year - 2019	87		87		70
Amortized Cost Basis by Origination Year - Prior	543		543		26
Amortized Cost Basis by Origination Year - Revolving	688		688		540
Total loans	1,338		1,338		691
Consumer portfolio loans \| Home equity loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2022	49		49
Amortized Cost Basis by Origination Year - 2021					60
Amortized Cost Basis by Origination Year - 2020	192		192		87
Amortized Cost Basis by Origination Year - 2019	1		1
Amortized Cost Basis by Origination Year - Prior	376		376		611
Amortized Cost Basis by Origination Year - Revolving	353		353		323
Total loans	971		971		1,081
Consumer portfolio loans \| Consumer loans
Loans
Amortized Cost Basis by Origination Year - 2023	261,027		261,027		408,724
Amortized Cost Basis by Origination Year - 2022	329,617		329,617		206,360
Amortized Cost Basis by Origination Year - 2021	155,683		155,683		111,453
Amortized Cost Basis by Origination Year - 2020	82,635		82,635		86,284
Amortized Cost Basis by Origination Year - 2019	66,034		66,034		44,675
Amortized Cost Basis by Origination Year - Prior	155,914		155,914		144,525
Amortized Cost Basis by Origination Year - Revolving	207,168		207,168		276,405
Total loans	1,258,078		1,258,078		1,278,426
Current-period gross charge-offs - 2023			213		254
Current-period gross charge-offs - 2022			1,190		653
Current-period gross charge-offs - 2021			379		337
Current-period gross charge-offs - 2020			250		265
Current-period gross charge-offs - 2019			162		62
Current-period gross charge-offs - Prior			403		664
Current-period gross charge-offs - Revolving			6,278		7,979
Current-period gross charge-offs - Total			8,875		10,214
Consumer portfolio loans \| Consumer loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2023	260,764		260,764		407,825
Amortized Cost Basis by Origination Year - 2022	328,849		328,849		206,003
Amortized Cost Basis by Origination Year - 2021	155,263		155,263		111,210
Amortized Cost Basis by Origination Year - 2020	82,260		82,260		86,008
Amortized Cost Basis by Origination Year - 2019	65,734		65,734		44,303
Amortized Cost Basis by Origination Year - Prior	152,306		152,306		141,053
Amortized Cost Basis by Origination Year - Revolving	186,659		186,659		248,314
Total loans	1,231,835		1,231,835		1,244,716
Consumer portfolio loans \| Consumer loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	192		192		718
Amortized Cost Basis by Origination Year - 2022	262		262		194
Amortized Cost Basis by Origination Year - 2021	199		199		78
Amortized Cost Basis by Origination Year - 2020	273		273		174
Amortized Cost Basis by Origination Year - 2019	170		170		63
Amortized Cost Basis by Origination Year - Prior	1,313		1,313		1,255
Amortized Cost Basis by Origination Year - Revolving	12,262		12,262		17,471
Total loans	14,671		14,671		19,953
Consumer portfolio loans \| Consumer loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	68		68		55
Amortized Cost Basis by Origination Year - 2022	270		270		103
Amortized Cost Basis by Origination Year - 2021	65		65		107
Amortized Cost Basis by Origination Year - 2020	84		84		36
Amortized Cost Basis by Origination Year - 2019	3		3		144
Amortized Cost Basis by Origination Year - Prior	1,054		1,054		557
Amortized Cost Basis by Origination Year - Revolving	6,724		6,724		9,836
Total loans	8,268		8,268		10,838
Consumer portfolio loans \| Consumer loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2023	3		3		126
Amortized Cost Basis by Origination Year - 2022	236		236		60
Amortized Cost Basis by Origination Year - 2021	156		156		58
Amortized Cost Basis by Origination Year - 2020	18		18		66
Amortized Cost Basis by Origination Year - 2019	127		127		165
Amortized Cost Basis by Origination Year - Prior	1,241		1,241		1,660
Amortized Cost Basis by Origination Year - Revolving	1,523		1,523		784
Total loans	$ 3,304		$ 3,304		$ 2,919

Loans - Aging analysis of past

Loans - Aging analysis of past due loans (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Loans and Allowance for Loan Losses
Non-Accruing	$ 163,320	$ 104,225
Total loans	32,016,672	30,177,862
30 days past due
Loans and Allowance for Loan Losses
Total loans	61,071	68,416
60 days past due
Loans and Allowance for Loan Losses
Total loans	28,966	31,607
90 days past due
Loans and Allowance for Loan Losses
Total loans	2,604	4,350
Total Past Due
Loans and Allowance for Loan Losses
Total loans	92,641	104,373
Current
Loans and Allowance for Loan Losses
Total loans	31,760,711	29,969,264
Non-acquired loans
Loans and Allowance for Loan Losses
Total loans	25,780,875	22,805,039
Construction and land development
Loans and Allowance for Loan Losses
Non-Accruing	683	827
Total loans	2,776,241	2,860,360
Construction and land development \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	1,272	2,146
Construction and land development \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	474	3,653
Construction and land development \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	46
Construction and land development \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	1,792	5,799
Construction and land development \| Current
Loans and Allowance for Loan Losses
Total loans	2,773,766	2,853,734
Consumer Owner Occupied Loans
Loans and Allowance for Loan Losses
Non-Accruing	22,565	17,307
Total loans	6,259,048	5,162,042
Consumer Owner Occupied Loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	5,145	6,001
Consumer Owner Occupied Loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	1,595	744
Consumer Owner Occupied Loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	26	40
Consumer Owner Occupied Loans \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	6,766	6,785
Consumer Owner Occupied Loans \| Current
Loans and Allowance for Loan Losses
Total loans	6,229,717	5,137,950
Home equity loans
Loans and Allowance for Loan Losses
Non-Accruing	4,352	6,316
Total loans	1,349,097	1,313,168
Home equity loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	3,221	2,527
Home equity loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	949	361
Home equity loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	1
Home equity loans \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	4,171	2,888
Home equity loans \| Current
Loans and Allowance for Loan Losses
Total loans	1,340,574	1,303,964
Commercial and industrial
Loans and Allowance for Loan Losses
Non-Accruing	69,149	17,129
Total loans	5,458,229	5,313,483
Commercial and industrial \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	27,715	24,500
Commercial and industrial \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	14,819	11,677
Commercial and industrial \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	806	1,704
Commercial and industrial \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	43,340	37,881
Commercial and industrial \| Current
Loans and Allowance for Loan Losses
Total loans	5,345,740	5,258,473
Other income producing property
Loans and Allowance for Loan Losses
Non-Accruing	3,683	2,734
Total loans	670,331	696,242
Other income producing property \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	301	1,623
Other income producing property \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	288	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	589	3,401
Other income producing property \| Current
Loans and Allowance for Loan Losses
Total loans	666,059	690,107
Consumer loans
Loans and Allowance for Loan Losses
Non-Accruing	4,741	4,398
Total loans	1,258,078	1,278,426
Consumer loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	14,522	19,713
Consumer loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	7,965	10,655
Consumer loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	24
Consumer loans \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	22,511	30,368
Consumer loans \| Current
Loans and Allowance for Loan Losses
Total loans	1,230,826	1,243,660
Other loans
Loans and Allowance for Loan Losses
Total loans	4,199	20,989
Other loans \| Current
Loans and Allowance for Loan Losses
Total loans	4,199	20,989
Commercial loans
Loans and Allowance for Loan Losses
Total loans	22,222,778	21,430,337
Commercial loans \| Construction and land development
Loans and Allowance for Loan Losses
Total loans	1,913,161	1,956,300
Commercial loans \| Commercial non-owner occupied
Loans and Allowance for Loan Losses
Non-Accruing	23,287	20,425
Total loans	8,702,352	8,072,959
Commercial loans \| Commercial non-owner occupied \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	4,922	1,158
Commercial loans \| Commercial non-owner occupied \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	1,378	978
Commercial loans \| Commercial non-owner occupied \| 90 days past due
Loans and Allowance for Loan Losses
Total loans		77
Commercial loans \| Commercial non-owner occupied \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	6,300	2,213
Commercial loans \| Commercial non-owner occupied \| Current
Loans and Allowance for Loan Losses
Total loans	8,672,765	8,050,321
Commercial loans \| Commercial owner occupied real estate loan
Loans and Allowance for Loan Losses
Non-Accruing	34,860	35,089
Total loans	5,539,097	5,460,193
Commercial loans \| Commercial owner occupied real estate loan \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	3,973	10,748
Commercial loans \| Commercial owner occupied real estate loan \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	1,498	2,059
Commercial loans \| Commercial owner occupied real estate loan \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	1,701	2,231
Commercial loans \| Commercial owner occupied real estate loan \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	7,172	15,038
Commercial loans \| Commercial owner occupied real estate loan \| Current
Loans and Allowance for Loan Losses
Total loans	5,497,065	5,410,066
Commercial loans \| Consumer Owner Occupied Loans
Loans and Allowance for Loan Losses
Total loans	50,186	30,741
Commercial loans \| Commercial and industrial
Loans and Allowance for Loan Losses
Total loans	5,458,229	5,313,483
Commercial loans \| Other income producing property
Loans and Allowance for Loan Losses
Total loans	555,554	575,672
Commercial loans \| Other loans
Loans and Allowance for Loan Losses
Total loans	4,199	20,989
Consumer portfolio loans
Loans and Allowance for Loan Losses
Total loans	9,793,894	8,747,525
Consumer portfolio loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	25,418	30,013
Consumer portfolio loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	13,526	14,615
Consumer portfolio loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	11,980	10,472
Consumer portfolio loans \| Construction and land development
Loans and Allowance for Loan Losses
Total loans	863,080	904,060
Consumer portfolio loans \| Construction and land development \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	59	125
Consumer portfolio loans \| Construction and land development \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	11
Consumer portfolio loans \| Construction and land development \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	231	477
Consumer portfolio loans \| Consumer Owner Occupied Loans
Loans and Allowance for Loan Losses
Total loans	6,208,862	5,131,301
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	6,386	7,215
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	3,721	3,063
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	7,353	5,874
Consumer portfolio loans \| Home equity loans
Loans and Allowance for Loan Losses
Total loans	1,349,097	1,313,168
Consumer portfolio loans \| Home equity loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	3,989	2,658
Consumer portfolio loans \| Home equity loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	1,338	691
Consumer portfolio loans \| Home equity loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	971	1,081
Consumer portfolio loans \| Other income producing property
Loans and Allowance for Loan Losses
Total loans	114,777	120,570
Consumer portfolio loans \| Other income producing property \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	313	62
Consumer portfolio loans \| Other income producing property \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	188	23
Consumer portfolio loans \| Other income producing property \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	121	121
Consumer portfolio loans \| Consumer loans
Loans and Allowance for Loan Losses
Total loans	1,258,078	1,278,426
Consumer portfolio loans \| Consumer loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	14,671	19,953
Consumer portfolio loans \| Consumer loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	8,268	10,838
Consumer portfolio loans \| Consumer loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	$ 3,304	$ 2,919

Loans - Nonaccrual loans (Detai

Loans - Nonaccrual loans (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	$ 163,320	$ 104,225
Greater than 90 Days Accruing	2,604
Non-accrual with no allowance	66,047
Other income producing property
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	3,683	2,734
Commercial loans \| Construction and land development
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	683	827
Greater than 90 Days Accruing	46
Non-accrual with no allowance	5
Commercial loans \| Commercial non-owner occupied
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	23,287	20,425
Non-accrual with no allowance	14,066
Commercial loans \| Commercial owner occupied real estate loan
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	34,860	35,089
Greater than 90 Days Accruing	1,701
Non-accrual with no allowance	18,344
Commercial loans \| Commercial and industrial
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	69,149	17,129
Greater than 90 Days Accruing	806
Non-accrual with no allowance	33,632
Consumer portfolio loans \| Consumer Owner Occupied Loans
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	22,565	17,307
Greater than 90 Days Accruing	26
Consumer portfolio loans \| Home equity loans
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	4,352	6,316
Greater than 90 Days Accruing	1
Consumer portfolio loans \| Consumer loans
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	4,741	$ 4,398
Greater than 90 Days Accruing	$ 24

Loans - Collateral Dependent Lo

Loans - Collateral Dependent Loans (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 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	$ (57,700)
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	$ 85,087	$ 27,419
Collateral Coverage	141,756	57,062
Commercial non-owner occupied \| Other
Loans and Allowance for Loan Losses
Collateral dependent loans	13,039	6,450
Collateral Coverage	$ 27,922	$ 10,900
Collateral Coverage (as a percent)	214%	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 \| Church
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 3,581
Collateral Coverage	$ 7,533
Collateral Coverage (as a percent)	210%
Commercial owner occupied real estate loan \| Industrial
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 4,388
Collateral Coverage	$ 11,331
Collateral Coverage (as a percent)	258%
Commercial owner occupied real estate loan \| Other
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 10,374	$ 14,638
Collateral Coverage	$ 19,985	$ 38,900
Collateral Coverage (as a percent)	193%	266%
Commercial and industrial \| Other
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 50,378	$ 4,808
Collateral Coverage	$ 70,035	$ 5,591
Collateral Coverage (as a percent)	139%	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)	9 Months Ended
Loans - Loans Designated as Modifications (Details)	Sep. 30, 2023 USD ($)
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accrued interest receivable	$ 54,000
Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	10,921,000
Term Extension and Interest Rate Reduction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	259,000
Other income producing property \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	$ 342,000
% of Total Asset Class	0.05%
Increase in Weighted Average Life of Loan	60 months
Commercial loans \| Construction and land development \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	$ 254,000
% of Total Asset Class	0.01%
Increase in Weighted Average Life of Loan	12 months
Commercial loans \| Commercial non-owner occupied \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	$ 1,250,000
% of Total Asset Class	0.01%
Increase in Weighted Average Life of Loan	24 months
Commercial loans \| Commercial owner occupied real estate loan \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	$ 7,591,000
% of Total Asset Class	0.14%
Increase in Weighted Average Life of Loan	23 months
Commercial loans \| Commercial and industrial \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	$ 1,207,000
% of Total Asset Class	0.02%
Increase in Weighted Average Life of Loan	6 months
Consumer portfolio loans \| Consumer Owner Occupied Loans \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	$ 277,000
% of Total Asset Class	0%
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	9 Months Ended
Loans - Loans Designated as TDRs (Details)	Sep. 30, 2022 USD ($) loan	Sep. 30, 2022 USD ($) loan	Sep. 30, 2023 USD ($)
Allowance for Credit Losses
Number of loans \| loan	11	22
Pre-Modification Amortized Cost	$ 9,999,000	$ 11,521,000
Post-Modification Amortized Cost	9,999,000	11,521,000
Balance of accruing TDRs	12,200,000	12,200,000
Remaining availability under commitments to lend additional funds on restructured loans	599,000	599,000	$ 3,300,000
Specific reserve associated with restructured loans that subsequently defaulted	$ 12,300,000	$ 12,300,000
Interest rate modification
Allowance for Credit Losses
Number of loans \| loan	5	14
Pre-Modification Amortized Cost	$ 5,485,000	$ 6,465,000
Post-Modification Amortized Cost	$ 5,485,000	$ 6,465,000
Term modification
Allowance for Credit Losses
Number of loans \| loan	6	8
Pre-Modification Amortized Cost	$ 4,514,000	$ 5,056,000
Post-Modification Amortized Cost	$ 4,514,000	$ 5,056,000
Construction and land development \| Term modification
Allowance for Credit Losses
Number of loans \| loan		1
Pre-Modification Amortized Cost		$ 133,000
Post-Modification Amortized Cost		$ 133,000
Commercial non-owner occupied \| Interest rate modification
Allowance for Credit Losses
Number of loans \| loan	2	3
Pre-Modification Amortized Cost	$ 2,321,000	$ 2,498,000
Post-Modification Amortized Cost	$ 2,321,000	$ 2,498,000
Commercial non-owner occupied \| Term modification
Allowance for Credit Losses
Number of loans \| loan	1	1
Pre-Modification Amortized Cost	$ 375,000	$ 375,000
Post-Modification Amortized Cost	$ 375,000	$ 375,000
Commercial owner occupied real estate loan \| Interest rate modification
Allowance for Credit Losses
Number of loans \| loan	2	3
Pre-Modification Amortized Cost	$ 2,629,000	$ 2,855,000
Post-Modification Amortized Cost	$ 2,629,000	$ 2,855,000
Commercial owner occupied real estate loan \| Term modification
Allowance for Credit Losses
Number of loans \| loan	2	3
Pre-Modification Amortized Cost	$ 1,042,000	$ 1,451,000
Post-Modification Amortized Cost	$ 1,042,000	$ 1,451,000
Consumer Owner Occupied Loans \| Interest rate modification
Allowance for Credit Losses
Number of loans \| loan		1
Pre-Modification Amortized Cost		$ 96,000
Post-Modification Amortized Cost		$ 96,000
Commercial and industrial \| Interest rate modification
Allowance for Credit Losses
Number of loans \| loan	1	5
Pre-Modification Amortized Cost	$ 535,000	$ 905,000
Post-Modification Amortized Cost	$ 535,000	$ 905,000
Commercial and industrial \| Term modification
Allowance for Credit Losses
Number of loans \| loan	3	3
Pre-Modification Amortized Cost	$ 3,097,000	$ 3,097,000
Post-Modification Amortized Cost	$ 3,097,000	$ 3,097,000
Other income producing property \| Interest rate modification
Allowance for Credit Losses
Number of loans \| loan		2
Pre-Modification Amortized Cost		$ 111,000
Post-Modification Amortized Cost		$ 111,000

Loans - Changes in Status of Lo

Loans - Changes in Status of Loans (Details) $ in Thousands	9 Months Ended
Loans - Changes in Status of Loans (Details) $ in Thousands	Sep. 30, 2022 USD ($) loan	Sep. 30, 2023 USD ($)
Allowance for Credit Losses
Paying Under Restructured Terms - Number of Loans \| loan	25
Paying Under Restructured Terms - Amortized Cost		$ 11,180
Paying Under Restructured Terms - Amortized Cost	$ 12,101
Interest rate reduction
Allowance for Credit Losses
Paying Under Restructured Terms - Number of Loans \| loan	16
Paying Under Restructured Terms - Amortized Cost	$ 6,747
Term extension
Allowance for Credit Losses
Paying Under Restructured Terms - Number of Loans \| loan	9
Paying Under Restructured Terms - Amortized Cost		10,921
Paying Under Restructured Terms - Amortized Cost	$ 5,354
Term extension \| Other income producing property
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost		342
Term extension \| Consumer portfolio loans \| Construction and land development
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost		254
Term extension \| Consumer portfolio loans \| Commercial non-owner occupied
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost		1,250
Term extension \| Consumer portfolio loans \| Commercial owner occupied real estate loan
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost		7,591
Term extension \| Consumer portfolio loans \| Consumer Owner Occupied Loans
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost		277
Term extension \| Consumer portfolio loans \| Commercial and industrial
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost		1,207
Term Extension and Interest Rate Reduction
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost		259
Term Extension and Interest Rate Reduction \| Consumer portfolio loans \| Consumer Owner Occupied Loans
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost		$ 259

Loans - Performance of Loans Mo

Loans - Performance of Loans Modified (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	$ 11,180
Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	11,180
Other income producing property \| Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	342
Commercial loans \| Construction and land development \| Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	254
Commercial loans \| Commercial non-owner occupied \| Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	1,250
Commercial loans \| Commercial owner occupied real estate loan \| Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	7,591
Commercial loans \| Commercial and industrial \| Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	1,207
Consumer portfolio loans \| Consumer Owner Occupied Loans \| Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	$ 536

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		9 Months Ended		12 Months Ended
	Mar. 01, 2022	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Allowance for credit losses
Balance at beginning of period		$ 427,392	$ 319,708	$ 356,444	$ 301,807	$ 301,807
Charge-offs		(17,970)	(7,126)	(30,175)	(18,779)	(23,446)
Recoveries		4,773	8,388	12,630	15,379
Net (charge-offs) recoveries		(13,197)	1,262	(17,545)	(3,400)
Provision (recovery)		33,761	3,428	109,057	(1,464)
Balance at end of period		447,956	324,398	447,956	324,398	356,444
Unfunded Commitment
Allowance for credit losses
Provision (recovery)		1,100	20,000	4,900	22,500
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		81,469	55,707	72,188	47,036	47,036
Charge-offs		(57)	(50)	(96)	(169)
Recoveries		240	376	836	1,131
Net (charge-offs) recoveries		183	326	740	962
Provision (recovery)		(4,601)	11,987	4,123	18,859
Balance at end of period		77,051	68,020	77,051	68,020	72,188
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		392	533	405	611	611
Charge-offs					(19)
Recoveries		28	30	36	195
Net (charge-offs) recoveries		28	30	36	176
Provision (recovery)		74	(40)	53	(290)
Balance at end of period		494	523	494	523	405
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		14,212	16,918	14,886	13,325	13,325
Charge-offs		(88)	(23)	(127)	(444)
Recoveries		226	3,151	1,003	3,803
Net (charge-offs) recoveries		138	3,128	876	3,359
Provision (recovery)		(1,036)	(3,980)	(2,448)	(750)
Balance at end of period		13,314	16,066	13,314	16,066	14,886
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		8,869	7,565	8,974	4,997	4,997
Recoveries		3	2	97	7
Net (charge-offs) recoveries		3	2	97	7
Provision (recovery)		(1,643)	763	(1,842)	3,324
Balance at end of period		7,229	8,330	7,229	8,330	8,974
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		55,314	27,730	45,410	37,593	37,593
Charge-offs		(8)		(10)	(4)
Recoveries		67	280	523	924
Net (charge-offs) recoveries		59	280	513	920
Provision (recovery)		9,099	3,798	18,549	(8,678)
Balance at end of period		64,472	31,808	64,472	31,808	45,410
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		24,577	24,752	22,767	23,149	23,149
Charge-offs		(3,129)	(2,742)	(8,875)	(7,527)
Recoveries		651	573	1,755	1,765
Net (charge-offs) recoveries		(2,478)	(2,169)	(7,120)	(5,762)
Provision (recovery)		656	4,221	7,108	9,366
Balance at end of period		22,755	26,804	22,755	26,804	22,767
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		9,767	2,458	3,684	4,921	4,921
Provision (recovery)		2,825	666	8,908	(2,223)
Balance at end of period		12,592	3,124	12,592	3,124	3,684
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		745	703	849	565	565
Provision (recovery)		56	(1)	(48)	137
Balance at end of period		801	702	801	702	849
CRE Owner Occupied
Allowance for credit losses
Balance at beginning of period		70,759	64,688	58,083	61,794	61,794
Charge-offs		(91)	(1,353)	(126)	(1,802)
Recoveries		415	569	801	977
Net (charge-offs) recoveries		324	(784)	675	(825)
Provision (recovery)		1,932	(9,745)	14,257	(11,738)
Balance at end of period		73,015	54,159	73,015	54,159	58,083
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		115,269	85,169	78,485	79,649	79,649
Charge-offs			(8)	(51)	(368)
Recoveries		511	29	951	402
Net (charge-offs) recoveries		511	21	900	34
Provision (recovery)		8,749	(8,937)	45,144	(6,127)
Balance at end of period		124,529	76,253	124,529	76,253	78,485
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		46,019	33,485	50,713	28,167	28,167
Charge-offs		(14,597)	(2,950)	(20,890)	(8,446)
Recoveries		2,632	3,378	6,628	6,175
Net (charge-offs) recoveries		(11,965)	428	(14,262)	(2,271)
Provision (recovery)		17,650	4,696	15,253	(3,344)
Balance at end of period		$ 51,704	38,609	$ 51,704	38,609	$ 50,713
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)	9 Months Ended
	Sep. 30, 2023 USD ($) property	Dec. 31, 2022 property
OREO and Bank Premises
Balance at the beginning of the period	$ 18,777,000
Additions, net	5,371,000
Write-downs	(1,525,000)
Sold	(6,938,000)
Balance at the end of the period	$ 15,685,000
Number of properties held \| property	5	6
Number of properties premises held for sale \| property	14	17
Residential real estate consumer mortgage loans in foreclosure, carrying value	$ 4,100,000
OREO.
OREO and Bank Premises
Balance at the beginning of the period	1,023,000
Additions, net	3,298,000
Sold	(3,887,000)
Balance at the end of the period	434,000
Bank Premises Held for Sale
OREO and Bank Premises
Balance at the beginning of the period	17,754,000
Additions, net	2,073,000
Write-downs	(1,525,000)
Sold	(3,051,000)
Balance at the end of the period	15,251,000
Residential real estate
OREO and Bank Premises
Other Real Estate In Foreclosure	$ 416,000

Leases (Details)

Leases (Details) - USD ($) $ in Thousands	9 Months Ended
Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Lessee, Lease, Description [Line Items]
Right to use asset	$ 103,100	$ 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	$ 110,998	$ 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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Lease Cost Components:
Amortization of ROU assets - finance leases	$ 117	$ 117	$ 350	$ 350
Interest on lease liabilities - finance leases	10	12	31	37
Operating lease cost (cost resulting from lease payments)	4,296	4,550	12,814	13,419
Short-term lease cost	104	218	318	592
Variable lease cost (cost excluded from lease payments)	852	615	2,327	1,813
Total lease cost	5,379	5,512	15,840	16,211
Supplemental Cash Flow and Other Information Related to Leases:
Finance lease - operating cash flows	10	12	31	37
Finance lease - financing cash flows	111	109	331	325
Operating lease - operating cash flows (fixed payments)	4,233	4,356	12,483	12,982
Operating lease - operating cash flows (net change asset/liability)	$ (3,400)	$ (3,466)	(10,008)	(10,313)
New ROU assets - operating leases			$ 701	$ 12,616
Weighted - average remaining lease term (years) - finance leases	4 years 8 months 4 days	5 years 8 months 1 day	4 years 8 months 4 days	5 years 8 months 1 day
Weighted - average remaining lease term (years) - operating leases	9 years 5 months 19 days	10 years 1 month 17 days	9 years 5 months 19 days	10 years 1 month 17 days
Weighted - average discount rate - finance leases	1.70%	1.70%	1.70%	1.70%
Weighted - average discount rate - operating leases	3.10%	3%	3.10%	3%
Maturity Analysis of Lease Liabilities:
2023 (excluding 9 months ended September 30, 2023)	$ 4,187		$ 4,187
2024	15,799		15,799
2025	14,450		14,450
2026	14,058		14,058
2027	13,080		13,080
Thereafter	68,542		68,542
Total undiscounted cash flows	130,116		130,116
Discount on cash flows	(19,118)		(19,118)
Total operating lease liabilities	$ 110,998		$ 110,998		$ 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	Sep. 30, 2023	Dec. 31, 2022
Deposits
Non-interest bearing checking	$ 11,158,431	$ 13,168,656
Interest-bearing checking	7,806,243	8,955,519
Savings	2,760,166	3,464,351
Money market	10,756,431	8,342,111
Time deposits	4,453,927	2,419,986
Total deposits	$ 36,935,198	$ 36,350,623

Deposits - Certificates of depo

Deposits - Certificates of deposits and Scheduled maturities of time deposits (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Deposits
Aggregate amounts of certificates of deposits in denominations of $250,000 or more	$ 875	$ 464.9

Retirement Plans - Safe Harbor

Retirement Plans - Safe Harbor plan (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 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	$ 3.9	$ 12.7	$ 12
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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Basic earnings per common share:
Net income	$ 124,144	$ 133,043	$ 387,517	$ 352,547
Weighted-average basic common shares	76,139	75,606	76,034	74,185
Basic earnings per common share (in dollars per share)	$ 1.63	$ 1.76	$ 5.10	$ 4.75
Diluted earnings per common share:
Net income	$ 124,144	$ 133,043	$ 387,517	$ 352,547
Weighted-average basic common shares	76,139	75,606	76,034	74,185
Effect of dilutive securities (in shares)	432	576	412	606
Weighted-average dilutive shares	76,571	76,182	76,446	74,791
Diluted earnings per common share (in dollars per share)	$ 1.62	$ 1.75	$ 5.07	$ 4.71

Earnings Per Share - Calculatio

Earnings Per Share - Calculation of diluted EPS under Treasury method (Details) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Earnings Per Share
Number of shares	57,169	57,169	57,169	57,169
Range of exercise prices, low end of range (in dollars per share)	$ 87.30	$ 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) - USD ($)	9 Months Ended
	Sep. 30, 2023
Aggregate Intrinsic Value
Exercisable at the end of the period	$ 1,019,000
Additional disclosures
Intrinsic value of stock option shares exercised	$ 573,000
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)	(22,651)
Expired (in shares)	(5,491)
Outstanding at the end of the period (in shares)	133,690
Exercisable at the end of the period (in shares)	133,690
Weighted-Average Exercise Price
Outstanding at the beginning of the period (in dollars per share)	$ 66.20
Exercised (in dollars per share)	52.50
Expired (in dollars per share)	32.25
Outstanding at the end of the period (in dollars per share)	69.91
Exercisable at the end of the period (in dollars per share)	$ 69.91
Weighted-Average Remaining Contractual Life
Outstanding at the end of the period	2 years 8 months 1 day
Exercisable at the end of the period	2 years 8 months 1 day
Aggregate Intrinsic Value
Outstanding at the end of the period	$ 1,019,000
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	9 Months Ended
	Sep. 30, 2023 USD ($) $ / shares shares
Restricted Stock Activity
Outstanding at the beginning of the period (in shares) \| shares	50,506
Vested (in shares) \| shares	(30,609)
Forfeited (in shares) \| shares	(2,559)
Outstanding at the end of the period (in shares) \| shares	17,338
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	$ 87.43
Additional disclosures
Total unrecognized compensation cost related to nonvested restricted stock and RSUs granted \| $	$ 858,000
Weighted-average period over which unrecognized compensation cost is expected to be recognized	1 year 3 days
Total fair value of shares vested during the period \| $	$ 2,400,000
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	9 Months Ended
	Sep. 30, 2023 USD ($) $ / shares shares
Restricted Stock Units
RSU Activity
Outstanding at the beginning of the period (in shares)	940,512
Granted (in shares)	386,987
Vested (in shares)	(370,493)
Forfeited (in shares)	(10,052)
Outstanding at the end of the period (in shares)	946,954
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	74.59
Vested (in dollars per share) \| $ / shares	71.78
Forfeited (in dollars per share) \| $ / shares	76.02
Outstanding at the end of the period (in dollars per share) \| $ / shares	$ 74.91
Additional disclosures
Options vested (in shares)	147,955
Total unrecognized compensation cost related to nonvested restricted stock and RSUs granted \| $	$ 30.7
Weighted-average period over which unrecognized compensation cost is expected to be recognized	1 year 21 days
Total fair value of shares vested during the period \| $	$ 26.6
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	148,756
Vesting period	3 years

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details) $ in Millions	Sep. 30, 2023 USD ($)
Commitments and Contingent Liabilities
Commitments to extend credit and standby letters of credit	$ 10,600
Liability recorded for expected credit losses on unfunded commitments	$ 62.3

Fair Value - Assets and liabili

Fair Value - Assets and liabilities measured at fair value on a recurring basis (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Assets
Derivative financial instruments	$ 210,500	$ 209,800
Trading securities	114,154	31,263
Securities available for sale	4,623,618	5,326,822
SBA servicing asset	5,700	6,100
Liabilities
Derivative financial instruments	1,300,000	1,000,000
U.S. Treasuries
Assets
Securities available for sale	172,259	265,638
U.S. Government agencies
Assets
Trading securities	9,945	11,190
Securities available for sale	216,754	219,088
Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises
Assets
Trading securities	21,399
Securities available for sale	1,488,706	1,698,353
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Trading securities	44,910	4,589
Securities available for sale	949,532	1,000,398
State and municipal obligations
Assets
Trading securities	16,059	13,993
Securities available for sale	873,007	1,064,852
Small Business Administration loan-backed securities
Assets
Securities available for sale	377,470	444,810
Corporate securities.
Assets
Securities available for sale	26,463	32,638
Significant Other Observable Inputs (Level 2)
Assets
Loans held for sale	27,443	28,968
Trading securities	114,154	31,263
Significant Unobservable Inputs (Level 3)
Assets
Mortgage servicing rights	89,476	86,610
SBA servicing asset	5,654	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	212,345	211,016
Loans held for sale	27,443	28,968
Trading securities	114,154	31,263
Securities available for sale	4,623,618	5,326,822
Mortgage servicing rights	89,476	86,610
SBA servicing asset	5,654	6,068
Fair value of Assets, Total	5,072,690	5,690,747
Liabilities
Derivative financial instruments	1,251,878	1,034,143
Recurring basis \| U.S. Treasuries
Assets
Securities available for sale	172,259	265,638
Recurring basis \| U.S. Government agencies
Assets
Securities available for sale	216,754	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	1,488,706	1,698,353
Recurring basis \| Residential Collateralized Mortgage-Obligations Issued By U.S. Government Agencies Or Sponsored Enterprises [Member]
Assets
Securities available for sale	519,427	601,045
Recurring basis \| Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	949,532	1,000,398
Recurring basis \| State and municipal obligations
Assets
Securities available for sale	873,007	1,064,852
Recurring basis \| Small Business Administration loan-backed securities
Assets
Securities available for sale	377,470	444,810
Recurring basis \| Corporate securities.
Assets
Securities available for sale	26,463	32,638
Recurring basis \| Significant Other Observable Inputs (Level 2)
Assets
Derivative financial instruments	212,345	211,016
Loans held for sale	27,443	28,968
Trading securities	114,154	31,263
Securities available for sale	4,623,618	5,326,822
Fair value of Assets, Total	4,977,560	5,598,069
Liabilities
Derivative financial instruments	1,251,878	1,034,143
Recurring basis \| Significant Other Observable Inputs (Level 2) \| U.S. Treasuries
Assets
Securities available for sale	172,259	265,638
Recurring basis \| Significant Other Observable Inputs (Level 2) \| U.S. Government agencies
Assets
Securities available for sale	216,754	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	1,488,706	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	519,427	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	949,532	1,000,398
Recurring basis \| Significant Other Observable Inputs (Level 2) \| State and municipal obligations
Assets
Securities available for sale	873,007	1,064,852
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Small Business Administration loan-backed securities
Assets
Securities available for sale	377,470	444,810
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Corporate securities.
Assets
Securities available for sale	26,463	32,638
Recurring basis \| Significant Unobservable Inputs (Level 3)
Assets
Mortgage servicing rights	89,476	86,610
SBA servicing asset	5,654	6,068
Fair value of Assets, Total	95,130	$ 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	6,752
Changes in fair value assets due to valuation inputs or assumptions	$ 2,450
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	$ (6,336)
Fair value of assets at the end of the period	89,476
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	1,103
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	$ (1,951)
Fair value of assets at the end of the period	$ 5,654

Fair Value - Mortgage Loans Hel

Fair Value - Mortgage Loans Held for Sale (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Fair Value.
Fair value	$ 27,443		$ 27,443		$ 28,968
Unpaid principal balance	(26,921)		(26,921)		(27,937)
Fair value less aggregated unpaid principal balance	522		522		$ 1,031
Change in fair value of mortgage loans held for sale	$ (574)	$ (2,149)	$ (508)	$ (7,604)

Fair Value - Assets and liabi_2

Fair Value - Assets and liabilities measured at fair value on a nonrecurring basis (Details) $ in Thousands	Sep. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Fair Value
OREO	$ 434	$ 1,023
Individually evaluated loans	163,320	104,225
Nonrecurring basis \| Fair Value
Fair Value
OREO	434	1,023
Bank properties held for sale	15,251	17,754
Individually evaluated loans	76,890	20,802
Nonrecurring basis \| Significant Unobservable Inputs (Level 3)
Fair Value
OREO	434	1,023
Bank properties held for sale	15,251	17,754
Individually evaluated loans	$ 76,890	$ 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)	26	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)	22	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	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Financial assets:
Trading securities	$ 114,154		$ 31,263
SBA servicing asset	5,700		6,100
Financial liabilities:
Other derivative financial instruments (mortgage banking related)	217,735	$ 790,388
Carrying Amount
Financial assets:
Cash and cash equivalents	1,329,137		1,312,563
Trading securities	114,154		31,263
Investment securities	7,344,483		8,189,780
Loans held for sale	27,443		28,968
Loans, net of allowance for credit losses	31,568,716		29,821,418
Accrued interest receivable	151,259		134,594
Mortgage servicing rights	89,476		86,610
SBA servicing asset	5,654		6,068
Interest rate swap - non-designated hedge	211,109		210,216
Other derivative financial instruments (mortgage banking related)	$ 1,236		$ 800
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Derivative Asset, Noncurrent		Derivative Asset, Noncurrent
Financial liabilities:
Noninterest-bearing	$ 11,158,431		$ 13,168,656
Interest-bearing other than time deposits	21,322,840		20,761,981
Time deposits	4,453,927		2,419,986
Federal funds purchased and securities sold under agreements to repurchase	513,304		556,417
Corporate and subordinated debentures	391,997		392,275
Accrued interest payable	45,163		6,218
Interest rate swap - non-designated hedge	1,251,059		1,033,980
Other derivative financial instruments (mortgage banking related)			163
Other derivative financial instruments (mortgage banking related)	819
Fair Value
Financial assets:
Cash and cash equivalents	1,329,137		1,312,563
Trading securities	114,154		31,263
Investment securities	6,823,170		7,756,707
Loans held for sale	27,443		28,968
Loans, net of allowance for credit losses	29,773,087		29,329,499
Accrued interest receivable	151,259		134,594
Mortgage servicing rights	89,476		86,610
SBA servicing asset	5,654
Interest rate swap - non-designated hedge	211,109		210,216
Other derivative financial instruments (mortgage banking related)	1,236		800
Financial liabilities:
Noninterest-bearing	11,158,431		13,168,656
Interest-bearing other than time deposits	21,322,840		20,761,981
Time deposits	4,391,875		2,333,764
Federal funds purchased and securities sold under agreements to repurchase	513,304		556,417
Corporate and subordinated debentures	376,373		377,360
Accrued interest payable	45,163		6,218
Interest rate swap - non-designated hedge	1,251,059		1,033,980
Other derivative financial instruments (mortgage banking related)			163
Other derivative financial instruments (mortgage banking related)	819
Commitments to extend credit \| Fair Value
Financial liabilities:
Commitments to extend credit	(604,493)		(184,801)
Quoted Prices In Active Markets for Identical Assets (Level 1)
Financial assets:
Cash and cash equivalents	1,329,137		1,312,563
Investment securities	187,152		179,717
Significant Other Observable Inputs (Level 2)
Financial assets:
Trading securities	114,154		31,263
Investment securities	6,636,018		7,576,990
Loans held for sale	27,443		28,968
Accrued interest receivable	26,561		28,449
Interest rate swap - non-designated hedge	211,109		210,216
Other derivative financial instruments (mortgage banking related)	1,236		800
Financial liabilities:
Noninterest-bearing	11,158,431		13,168,656
Interest-bearing other than time deposits	21,322,840		20,761,981
Time deposits	4,391,875		2,333,764
Federal funds purchased and securities sold under agreements to repurchase	513,304		556,417
Corporate and subordinated debentures	376,373		377,360
Accrued interest payable	45,163		3,345
Interest rate swap - non-designated hedge	1,251,059		1,033,980
Other derivative financial instruments (mortgage banking related)			163
Other derivative financial instruments (mortgage banking related)	819
Significant Other Observable Inputs (Level 2) \| Commitments to extend credit
Financial liabilities:
Commitments to extend credit	(604,493)		(184,801)
Significant Unobservable Inputs (Level 3)
Financial assets:
Loans, net of allowance for credit losses	29,773,087		29,329,499
Accrued interest receivable	124,698		106,145
Mortgage servicing rights	89,476		86,610
SBA servicing asset	$ 5,654		$ 6,068

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) - Changes in components of AOCI (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Accumulated Other Comprehensive Income (Loss)
Balance at the beginning of the period			$ (677,088)
Net comprehensive loss	$ (153,491)	$ (225,574)	(138,801)	$ (695,312)
Balance at the end of the period	(815,889)		(815,889)
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	(661,725)	(490,941)	(676,415)	(21,203)
Other comprehensive loss before reclassifications	(153,491)	(225,551)	(138,768)	(695,289)
Amounts reclassified from accumulated other comprehensive loss		(23)	(33)	(23)
Net comprehensive loss	(153,491)	(225,574)	(138,801)	(695,312)
Balance at the end of the period	(815,216)	(716,515)	(815,216)	(716,515)
Accumulated Other Comprehensive Income (Loss)
Accumulated Other Comprehensive Income (Loss)
Balance at the beginning of the period	(662,398)	(490,884)	(677,088)	(21,146)
Other comprehensive loss before reclassifications	(153,491)	(225,551)	(138,768)	(695,289)
Amounts reclassified from accumulated other comprehensive loss		(23)	(33)	(23)
Net comprehensive loss	(153,491)	(225,574)	(138,801)	(695,312)
Balance at the end of the period	$ (815,889)	$ (716,458)	$ (815,889)	$ (716,458)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) - Reclassifications out of AOCI (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Reclassifications out of accumulated other comprehensive income, net of tax
Provision for income taxes	$ 33,160	$ 38,035	$ 106,751	$ 98,060
Net income	$ 124,144	133,043	387,517	352,547
Amount Reclassified from Accumulated Other Comprehensive Income (Loss)
Reclassifications out of accumulated other comprehensive income, net of tax
Net income		(23)	(33)	(23)
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		(30)	(45)	(30)
Provision for income taxes		7	12	7
Net income		$ (23)	$ (33)	$ (23)

Derivative Financial Instrume_3

Derivative Financial Instruments (Details) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
Derivative Financial Instruments (Details) - USD ($)	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Derivative Financial Instruments
Notional Amount	$ 23,616,881,000		$ 23,616,881,000		$ 1,251,878,000
Estimated Fair Value Gain			$ 212,345,000
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other		Noninterest Income, Other
Estimated Fair Value Loss					$ 20,979,193,000
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other		Noninterest Income, Other
Net gain (loss)	587,000	$ (3,000)	$ 599,000	$ 107,000
Fair value of the interest rate swap derivatives, other assets	210,500,000		210,500,000		$ 209,800,000
Reduction in derivative asset fair value			1,000,000,000		824,300,000
Fair value of the interest rate swap derivatives, other liabilities	1,300,000,000		1,300,000,000		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	(1,251,878,000)		(1,251,878,000)		(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	91,885,000		91,885,000
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	83,475,000		83,475,000
Cash flow hedge
Derivative Financial Instruments
Collateral provided	0		0		0
Cash flow hedge \| Borrower
Derivative Financial Instruments
Collateral provided	226,600,000		226,600,000
Cash flow hedge \| Counterparty
Derivative Financial Instruments
Collateral provided	100,100,000		100,100,000
Cash flow hedge \| Interest-bearing deposits \| Counterparty
Derivative Financial Instruments
Cash collateral	102,400,000		102,400,000
Interest rate contracts
Derivative Financial Instruments
Notional Amount	22,300,000,000		22,300,000,000		20,900,000,000
Mortgage servicing rights hedging \| Non-designated hedges
Derivative Financial Instruments
Notional Amount	44,000,000		44,000,000		35,000,000
Estimated gain (loss) on fair value			819,000		(163,000)
Mortgage servicing rights hedging \| Non-designated hedges \| Other Liabilities
Derivative Financial Instruments
Notional Amount	44,000,000		$ 44,000,000		819,000
Estimated Fair Value Loss					$ 35,000,000
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other		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	621,000		$ 621,000
Mortgage loan pipeline commitments hedging \| Non-designated hedges \| Other Assets
Derivative Financial Instruments
Notional Amount	89,500,000		89,500,000
Estimated Fair Value Gain			$ 1,236,000
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other		Noninterest Income, Other
Estimated Fair Value Loss					$ 51,000,000
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	89,500,000		$ 89,500,000
Fair value of forward commitments	(615,000)		(615,000)
Foreign exchange swaps
Derivative Financial Instruments
Gain or loss recorded	0	$ 0	0	$ 0
Interest rate swap \| Expected closures
Derivative Financial Instruments
Estimated Fair Value Gain			2,000,000
Interest rate swap \| Fair Value Hedging \| Counterparty
Derivative Financial Instruments
Notional Amount	9,500,000		9,500,000		$ 12,300,000
Interest rate swap \| Fair Value Hedging \| Other Assets \| Counterparty
Derivative Financial Instruments
Notional Amount	9,480,000		9,480,000
Estimated Fair Value Gain			$ 600,000
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other		Noninterest Income, Other
Estimated Fair Value Loss					$ 12,289,000
Interest rate swap \| Non-designated hedges \| Other Assets and Other Liabilities \| Borrower
Derivative Financial Instruments
Notional Amount	11,182,309,000		$ 11,182,309,000		$ 1,251,059,000
Estimated Fair Value Gain			$ 5,078,000
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other		Noninterest Income, Other
Estimated Fair Value Loss					$ 10,480,171,000
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	11,091,592,000		$ 11,091,592,000
Estimated Fair Value Gain			$ 205,429,000
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]			Noninterest Income, Other		Noninterest Income, Other
Estimated Fair Value Loss					$ 10,400,733,000
Interest rate swap \| Non-designated hedges \| Other Assets \| Counterparty
Derivative Financial Instruments
Reduction in derivative asset fair value			$ 1,000,000,000
Interest rate swap \| Economic hedges
Derivative Financial Instruments
Notional Amount	1,200,000,000		1,200,000,000
Interest rate swap \| Economic hedges \| Other Assets \| Counterparty
Derivative Financial Instruments
Notional Amount	$ 1,200,000,000		1,200,000,000
Estimated Fair Value Gain			$ 2,000

Capital Ratios (Details)

Capital Ratios (Details) - USD ($) $ in Thousands	3 Months Ended
Capital Ratios (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Sep. 30, 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		$ 447,956	$ 427,392	$ 356,444	$ 324,398	$ 319,708	$ 301,807
Deferred tax assets		150,422		177,801
Additional reserve for unfunded commitments		62,300
Retained earnings		1,618,080		1,347,042
Phasing out percentage	50%
Common equity Tier 1 to risk-weighted assets
Actual, Capital Amount		$ 4,089,424		$ 3,788,106
Actual, Ratio (as a percent)		11.47%		10.96%
Minimum capital required, Capital Amount		$ 2,495,806		$ 2,420,417
Minimum capital required, Ratio (as a percent)		7%		7%
Required to be considered well capitalized, Capital Amount		$ 2,317,534		$ 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		$ 4,089,424		$ 3,788,106
Actual, Ratio (as a percent)		0.1147		0.1096
Minimum capital required, Capital Amount		$ 3,030,621		$ 2,939,077
Minimum capital required, Ratio (as a percent)		0.0850		0.0850
Required to be considered well capitalized, Capital Amount		$ 2,852,349		$ 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		$ 4,905,268		$ 4,485,397
Actual, Ratio (as a percent)		0.1376		0.1297
Minimum capital required, Capital Amount		$ 3,743,709		$ 3,630,625
Minimum capital required, Ratio (as a percent)		0.1050		0.1050
Required to be considered well capitalized, Capital Amount		$ 3,565,437		$ 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		$ 4,089,424		$ 3,788,106
Actual, Ratio (as a percent)		0.0934		0.0872
Minimum capital required, Capital Amount		$ 1,751,637		$ 1,736,991
Minimum capital required, Ratio (as a percent)		0.0400		0.0400
Required to be considered well capitalized, Capital Amount		$ 2,189,546		$ 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		$ 4,360,670		$ 4,074,045
Actual, Ratio (as a percent)		12.25%		11.80%
Minimum capital required, Capital Amount		$ 2,492,670		$ 2,417,133
Minimum capital required, Ratio (as a percent)		7%		7%
Required to be considered well capitalized, Capital Amount		$ 2,314,622		$ 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		$ 4,360,670		$ 4,074,045
Actual, Ratio (as a percent)		0.1225		0.1180
Minimum capital required, Capital Amount		$ 3,026,814		$ 2,935,090
Minimum capital required, Ratio (as a percent)		0.0850		0.0850
Required to be considered well capitalized, Capital Amount		$ 2,848,766		$ 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		$ 4,786,514		$ 4,381,336
Actual, Ratio (as a percent)		0.1344		0.1269
Minimum capital required, Capital Amount		$ 3,739,005		$ 3,625,700
Minimum capital required, Ratio (as a percent)		0.1050		0.1050
Required to be considered well capitalized, Capital Amount		$ 3,560,957		$ 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		$ 4,360,670		$ 4,074,045
Actual, Ratio (as a percent)		0.0996		0.0939
Minimum capital required, Capital Amount		$ 1,751,135		$ 1,736,330
Minimum capital required, Ratio (as a percent)		0.0400		0.0400
Required to be considered well capitalized, Capital Amount		$ 2,188,919		$ 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	9 Months Ended
	Sep. 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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Other intangible assets
Gross carrying amount	$ 274,455		$ 274,455		$ 274,869
Accumulated amortization	(179,361)		(179,361)		(158,419)
Net carrying amount	95,094		95,094		116,450
Amortization expense	6,616	$ 7,837	20,943	$ 25,178
Fair value of SBA servicing assets	$ 5,700		$ 5,700		$ 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	Sep. 30, 2023	Dec. 31, 2022
Estimated amortization expense
Net carrying amount	$ 95,094	$ 116,450
Other intangibles, excluding the SBA servicing assets
Estimated amortization expense
December 31, 2023	6,615
March 31, 2024	6,003
June 30, 2024	5,739
September 30, 2024	5,327
December 31, 2024	5,326
Thereafter	60,429
Net carrying amount	$ 89,439

Mortgage Loan Servicing, Orig_3

Mortgage Loan Servicing, Origination, and Loans Held for Sale (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Mortgage Loan Servicing, Origination, and Loans Held for Sale
Residential mortgages serviced for others	$ 6,600,000		$ 6,600,000		$ 6,600,000
Contractually specified servicing fees earned	$ 4,100	$ 4,200	$ 12,400	$ 12,100
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	$ 89,476		$ 89,476		$ 86,610
Changes in the fair value of MSRs and its offsetting hedge.
(Decrease) increase in fair value of MSRs	1,762	$ 2,661	2,450	$ 18,274
Decay of MSRs	(2,543)	(2,530)	(6,336)	(8,052)
Gain (loss) related to derivatives	(2,170)	(3,572)	(4,288)	(17,963)
Net effect on Consolidated Statements of Net Income	$ (2,951)	$ (3,441)	$ (8,174)	$ (7,741)
Characteristics and sensitivity analysis of the MSR
Composition of residential loans serviced for others	100%		100%		100%
Weighted average life (in years)			8 years 3 months 3 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)			10.60%		10%
Effect on fair value due to change in interest rates:
25 basis point increase	$ 686		$ 686		$ 774
50 basis point increase	1,231		1,231		1,428
25 basis point decrease	(848)		(848)		(902)
50 basis point decrease	$ (1,877)		$ (1,877)		$ (1,938)
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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Mortgage loan securitizations, mandatory cash forwards, and whole loan sales
Repurchase of principal balance			$ 975,000	$ 6,708,000
Loan sales	$ 259,200,000	$ 272,800,000	667,900,000	1,400,000,000
Loan securitizations and loan sales	$ 210,200,000	$ 216,100,000	$ 534,300,000	$ 1,100,000,000
Percentage of loan securitizations and loan sales	81.10%	79.20%	80%	77.20%
Loss reimbursement and settlement claims paid			$ 6,000	$ 73,000
Loans held for sale	$ 27,443,000		$ 27,443,000		$ 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	Sep. 30, 2023	Dec. 31, 2022
Secured Debt, Repurchase Agreements
Carrying amount of securities sold under repurchase agreements with customers	$ 259,800	$ 342,800
Carrying amount of the securities pledged to collateralize repurchase agreements	7,344,483	8,189,780
Federal funds purchased	253,486	213,597
Letter of credit outstanding	2,100
Loans	31,568,716	29,821,418
FRB Borrowings
Secured Debt, Repurchase Agreements
Debt Instrument Collateral Amount	1,900,000
Letter of credit outstanding	0	0
Maximum borrowing capacity	1,900,000
Loans	2,800,000
FHLB Advances [ Member ]
Secured Debt, Repurchase Agreements
Outstanding advances	0	0
Debt Instrument Collateral Amount	7,200,000
Amount of cash pledged as collateral	552,200
Unused net credit available with the FHLB	7,800,000
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	$ 2,800,000	2,900,000
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] \| FHLB Advances [ Member ]
Secured Debt, Repurchase Agreements
Debt Instrument Collateral Amount	$ 11,200,000
Amount of cash pledged as collateral	651,900
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	$ 404,300	$ 443,200

Stock Repurchase Program (Detai

Stock Repurchase Program (Details) - $ / shares	3 Months Ended	9 Months Ended		12 Months Ended
Stock Repurchase Program (Details) - $ / shares	Sep. 30, 2023	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022	Apr. 27, 2022
Stock repurchase program
Shares authorized under repurchase program					4,120,021
Number of shares repurchased under stock-based compensation plans	5,097	103,190
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			1,312,038
Average price per share			$ 83.99

Subsequent Events (Details)

Subsequent Events (Details) - $ / shares		3 Months Ended		9 Months Ended
Subsequent Events (Details) - $ / shares	Oct. 26, 2023	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Subsequent events
Cash dividends declared (in dollars per share)		$ 0.52	$ 0.50	$ 1.52	$ 1.48
Subsequent event
Subsequent events
Cash dividends declared (in dollars per share)	$ 0.52

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Pay vs Performance Disclosure
Net Income (Loss)	$ 124,144	$ 133,043	$ 387,517	$ 352,547

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Sep. 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