SouthState (SSB) 10-Q2 Aug 242024 Q2 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
Document and Entity Information - shares	Jun. 30, 2024	Jul. 31, 2024
Document and Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Jun. 30, 2024
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	NYSE
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		76,246,721
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q2
Entity Central Index Key	0000764038
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Cash and cash equivalents:
Cash and due from banks	$ 507,425	$ 510,922
Federal funds sold and interest-earning deposits with banks	338,829	236,435
Deposits in other financial institutions (restricted cash)	270,912	251,520
Total cash and cash equivalents	1,117,166	998,877
Trading securities, at fair value	92,161	31,321
Investment securities:
Securities held to maturity (fair value of $1,920,941 and $2,084,736)	2,348,528	2,487,440
Securities available for sale, at fair value	4,498,264	4,784,388
Other investments	201,516	192,043
Total investment securities	7,048,308	7,463,871
Loans held for sale	100,007	50,888
Loans:
Total loans	33,234,564	32,388,489
Less allowance for credit losses	(472,298)	(456,573)
Loans, net	32,762,266	31,931,916
Premises and equipment, net	517,382	519,197
Bank owned life insurance ("BOLI")	1,001,998	991,454
Deferred tax assets	162,951	164,354
Derivatives assets	185,036	172,939
Mortgage servicing rights	88,904	85,164
Core deposit and other intangibles	77,389	88,776
Goodwill	1,923,106	1,923,106
Other assets	417,296	480,161
Total assets	45,493,970	44,902,024
Deposits:
Noninterest-bearing	10,374,464	10,649,274
Interest-bearing	26,723,938	26,399,635
Total deposits	37,098,402	37,048,909
Federal funds purchased	287,973	248,162
Securities sold under agreements to repurchase	254,430	241,023
Corporate and subordinated debentures	391,719	391,904
Other borrowings	300,000	100,000
Reserve for unfunded commitments	50,248	56,303
Derivative liabilities	955,347	804,486
Other liabilities	505,448	478,139
Total liabilities	39,843,567	39,368,926
Shareholders' equity:
Common stock - $2.50 par value; authorized 160,000,000 shares; 76,195,723 and 76,022,039 shares issued and outstanding, respectively	190,489	190,055
Surplus	4,238,192	4,240,413
Retained earnings	1,841,933	1,685,166
Accumulated other comprehensive loss	(620,211)	(582,536)
Total shareholders' equity	5,650,403	5,533,098
Total liabilities and shareholders' equity	45,493,970	44,902,024
Acquired - non-purchased credit deteriorated loans
Loans:
Total loans	4,253,323	4,796,913
Acquired - purchased credit deteriorated loans
Loans:
Total loans	957,255	1,108,813
Non-acquired loans
Loans:
Total loans	$ 28,023,986	$ 26,482,763

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Investment securities:
Securities held to maturity, fair value (in dollars)	$ 1,920,941	$ 2,084,736
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	76,195,723	76,022,039
Common stock, shares outstanding	76,195,723	76,022,039

Consolidated Statements of Inco

Consolidated Statements of Income (unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Interest income:
Loans, including fees	$ 478,360	$ 419,355	$ 942,048	$ 812,720
Investment securities:
Taxable	38,747	41,254	78,492	82,819
Tax-exempt	5,769	5,586	11,337	12,144
Federal funds sold, securities purchased under agreements to resell and interest-bearing deposits with banks	8,248	11,858	16,502	20,779
Total interest income	531,124	478,053	1,048,379	928,462
Interest expense:
Deposits	165,481	100,787	325,643	156,729
Federal funds purchased and securities sold under agreements to repurchase	4,983	3,535	9,710	6,388
Corporate and subordinated debentures	5,999	5,823	12,008	11,558
Other borrowings	4,402	6,165	6,823	10,781
Total interest expense	180,865	116,310	354,184	185,456
Net interest income	350,259	361,743	694,195	743,006
Provision for credit losses	3,889	38,389	16,575	71,480
Net interest income after provision for credit losses	346,370	323,354	677,620	671,526
Noninterest income:
Securities gains, net				45
Other income	15,565	7,864	28,744	17,730
Total noninterest income	75,225	77,214	146,783	148,569
Noninterest expense:
Salaries and employee benefits	151,435	147,342	301,888	291,402
Occupancy expense	22,453	22,196	45,030	43,729
Information services expense	23,144	21,119	45,497	41,044
OREO and loan related expense	1,307	(14)	1,913	155
Amortization of intangibles	5,744	7,028	11,742	14,327
Supplies, printing and postage expense	2,526	2,554	5,066	5,194
Professional fees	3,906	4,364	7,021	8,066
FDIC assessment and other regulatory charges	7,771	9,819	16,305	16,113
FDIC special assessment	619		4,473
Advertising and marketing	2,594	1,521	4,578	3,639
Merger, branch consolidation, severance related and other expense	5,785	1,808	10,298	11,220
Other expense	21,463	24,889	44,226	48,242
Total noninterest expense	248,747	242,626	498,037	483,131
Earnings:
Income before provision for income taxes	172,848	157,942	326,366	336,964
Provision for income taxes	40,478	34,495	78,940	73,591
Net income	$ 132,370	$ 123,447	$ 247,426	$ 263,373
Earnings per common share:
Basic (in dollars per share)	$ 1.74	$ 1.62	$ 3.24	$ 3.47
Diluted (in dollars per share)	$ 1.73	$ 1.62	$ 3.23	$ 3.45
Weighted average common shares outstanding:
Basic (in shares)	76,251	76,058	76,276	75,981
Diluted (in shares)	76,607	76,418	76,630	76,394
Fees on deposit accounts
Noninterest income:
Noninterest income	$ 33,842	$ 33,101	$ 66,987	$ 62,960
Mortgage banking income
Noninterest income:
Noninterest income	5,912	4,354	12,081	8,686
Trust and investment services income
Noninterest income:
Noninterest income	11,091	9,823	21,482	19,760
Correspondent banking and capital markets income
Noninterest income:
Noninterest income	4,860	19,187	9,171	32,781
SBA income
Noninterest income:
Noninterest income	$ 3,955	$ 2,885	$ 8,318	$ 6,607

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Consolidated Statements of Comprehensive Income (unaudited)
Net income	$ 132,370	$ 123,447	$ 247,426	$ 263,373
Unrealized holding gains (losses) on available for sale securities:
Unrealized holding gains (losses) arising during period	3,839	(64,741)	(49,737)	8,120
Tax effect	(1,056)	16,127	12,062	6,603
Reclassification adjustment for gains included in net income				(45)
Tax effect				12
Net of tax amount	2,783	(48,614)	(37,675)	14,690
Other comprehensive income (loss), net of tax	2,783	(48,614)	(37,675)	14,690
Comprehensive income	$ 135,153	$ 74,833	$ 209,751	$ 278,063

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (unaudited) - USD ($) $ in Thousands	Common Stock	Surplus	Retained Earnings Cumulative Effect of Adoption of ASU	Retained Earnings	Accumulated Other Comprehensive (Loss) Income	Cumulative Effect of Adoption of ASU	Total
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
Increase (Decrease) in Stockholders' Equity
Net Income (Loss)				263,373			263,373
Other comprehensive income (loss), net of tax effects					14,690		14,690
Total comprehensive income (loss)							278,063
Cash dividends declared on common stock per share				(75,874)			(75,874)
Cash dividend equivalents paid on restricted stock units				(1,033)			(1,033)
Employee stock purchases	$ 24	623					647
Employee stock purchases (in shares)	9,562
Stock options exercised	$ 59	1,114					1,173
Stock options exercised (in shares)	23,516
Restricted stock awards (forfeits)	$ (6)	6
Restricted stock awards (forfeits) (in shares)	(2,353)
Stock issued pursuant to restricted stock units	$ 897	(897)
Stock issued pursuant to restricted stock units (in shares)	358,784
Common stock repurchased	$ (245)	(6,777)					(7,022)
Common stock repurchased (in shares)	(98,093)
Share-based compensation expense		19,129					19,129
Balance at Jun. 30, 2023	$ 189,990	4,228,910		1,533,508	(662,398)		5,290,010
Balance (in shares) at Jun. 30, 2023	75,995,979
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
Balance at Dec. 31, 2023	$ 190,055	4,240,413		1,685,166	(582,536)		$ 5,533,098
Balance (in shares) at Dec. 31, 2023	76,022,039						76,022,039
Balance at Mar. 31, 2023	$ 189,649	4,224,503		1,448,636	(613,784)		$ 5,249,004
Balance (in shares) at Mar. 31, 2023	75,859,665
Increase (Decrease) in Stockholders' Equity
Net Income (Loss)				123,447			123,447
Other comprehensive income (loss), net of tax effects					(48,614)		(48,614)
Total comprehensive income (loss)							74,833
Cash dividends declared on common stock per share				(37,962)			(37,962)
Cash dividend equivalents paid on restricted stock units				(613)			(613)
Employee stock purchases	$ 24	623					647
Employee stock purchases (in shares)	9,562
Restricted stock awards (forfeits)	$ (1)	1
Restricted stock awards (forfeits) (in shares)	(120)
Stock issued pursuant to restricted stock units	$ 453	(453)
Stock issued pursuant to restricted stock units (in shares)	181,076
Common stock repurchased	$ (135)	(3,471)					(3,606)
Common stock repurchased (in shares)	(54,204)
Share-based compensation expense		7,707					7,707
Balance at Jun. 30, 2023	$ 189,990	4,228,910		1,533,508	(662,398)		5,290,010
Balance (in shares) at Jun. 30, 2023	75,995,979
Balance at Dec. 31, 2023	$ 190,055	4,240,413		1,685,166	(582,536)		$ 5,533,098
Balance (in shares) at Dec. 31, 2023	76,022,039						76,022,039
Increase (Decrease) in Stockholders' Equity
Net Income (Loss)				247,426			$ 247,426
Other comprehensive income (loss), net of tax effects					(37,675)		(37,675)
Total comprehensive income (loss)							209,751
Cash dividends declared on common stock per share				(79,217)			(79,217)
Cash dividend equivalents paid on restricted stock units				(1,196)			(1,196)
Employee stock purchases	$ 23	707					730
Employee stock purchases (in shares)	9,092
Stock options exercised	$ 19	422					441
Stock options exercised (in shares)	7,448
Restricted stock awards (forfeits)	$ (2)	2
Restricted stock awards (forfeits) (in shares)	(316)
Stock issued pursuant to restricted stock units	$ 884	(884)
Stock issued pursuant to restricted stock units (in shares)	353,675
Stock issued in lieu of cash - directors fees	$ 3	90					93
Stock issued in lieu of cash - directors fees (in shares)	1,148
Common stock repurchased - buyback plan	$ (250)	(7,735)					(7,985)
Common stock repurchased - buyback plan (in shares)	(100,000)
Common stock repurchased	$ (243)	(7,850)					(8,093)
Common stock repurchased (in shares)	(97,363)
Share-based compensation expense		13,027					13,027
Balance (ASU 2023-02) at Jun. 30, 2024			$ (10,246)			$ (10,246)
Balance at Jun. 30, 2024	$ 190,489	4,238,192		1,841,933	(620,211)		$ 5,650,403
Balance (in shares) at Jun. 30, 2024	76,195,723						76,195,723
Balance at Mar. 31, 2024	$ 190,443	4,230,345		1,749,215	(622,994)		$ 5,547,009
Balance (in shares) at Mar. 31, 2024	76,177,163
Increase (Decrease) in Stockholders' Equity
Net Income (Loss)				132,370			132,370
Other comprehensive income (loss), net of tax effects					2,783		2,783
Total comprehensive income (loss)							135,153
Cash dividends declared on common stock per share				(39,619)			(39,619)
Cash dividend equivalents paid on restricted stock units				(33)			(33)
Employee stock purchases	$ 23	707					730
Employee stock purchases (in shares)	9,092
Stock options exercised	$ 3	47					50
Stock options exercised (in shares)	1,099
Restricted stock awards (forfeits)	$ (1)	1
Restricted stock awards (forfeits) (in shares)	(252)
Stock issued pursuant to restricted stock units	$ 23	(23)
Stock issued pursuant to restricted stock units (in shares)	9,299
Stock issued in lieu of cash - directors fees	$ 3	90					93
Stock issued in lieu of cash - directors fees (in shares)	1,148
Common stock repurchased	$ (5)	(135)					(140)
Common stock repurchased (in shares)	(1,826)
Share-based compensation expense		7,160					7,160
Balance (ASU 2023-02) at Jun. 30, 2024			$ (10,246)			$ (10,246)
Balance at Jun. 30, 2024	$ 190,489	$ 4,238,192		$ 1,841,933	$ (620,211)		$ 5,650,403
Balance (in shares) at Jun. 30, 2024	76,195,723						76,195,723

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Consolidated Statements of Changes in Shareholders' Equity (unaudited)
Common stock cash dividends declared, per share (in dollars per share)	$ 0.52	$ 0.50	$ 1.04	$ 1

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Cash flows from operating activities:
Net income	$ 247,426	$ 263,373
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	27,837	29,864
Provision for credit losses	16,575	71,480
Deferred income taxes	9,221	19,990
Gains on sale of securities, net		(45)
Share-based compensation expense	13,027	19,129
Accretion of discount related to acquired loans	(8,673)	(12,878)
Gains on disposal of premises and equipment	(7)	(89)
Gains on sale of bank properties held for sale and repossessed real estate	(1,090)	(1,430)
Net amortization of premiums and discounts on investment securities	9,721	10,197
Bank properties held for sale and repossessed real estate write downs	52	1,231
Fair value adjustment for loans held for sale	(1,008)	(66)
Originations and purchases of loans held for sale	(553,362)	(422,596)
Proceeds from sales of loans held for sale	511,006	411,489
Gains on sales of loans held for sale	(5,755)	(2,810)
Increase in cash surrender value of BOLI	(13,444)	(12,135)
Net change in:
Accrued interest receivable	(5,462)	(2,636)
Prepaid assets	(4,177)	(829)
Operating leases	216	196
Bank owned life insurance	(840)	(976)
Trading securities	(60,840)	(25,317)
Derivative assets	(12,097)	36,536
Miscellaneous other assets	40,804	4,258
Accrued interest payable	(1,465)	25,573
Accrued income taxes	20,603	(9,601)
Derivative liabilities	150,861	(58,426)
Miscellaneous other liabilities	25,351	28,174
Net cash provided by operating activities	404,480	371,656
Cash flows from investing activities:
Proceeds from sales of investment securities available for sale		125,298
Proceeds from maturities and calls of investment securities held to maturity	136,746	95,566
Proceeds from maturities and calls of investment securities available for sale	241,844	255,808
Proceeds from sales and redemptions of other investment securities	85,517	146,625
Purchases of investment securities available for sale	(13,014)	(3,174)
Purchases of other investment securities	(94,989)	(163,636)
Net increase in loans	(857,537)	(1,361,435)
Recoveries of loans previously charged off	9,626	7,858
Purchase of bank owned life insurance		(5,966)
Purchases of premises and equipment	(14,999)	(15,034)
Proceeds from redemption and payout of bank owned life insurance policies	3,739	4,292
Proceeds from sale of bank properties held for sale and repossessed real estate	8,724	7,610
Proceeds from sale of premises and equipment	363	675
Net cash used in investing activities	(493,980)	(905,513)
Cash flows from financing activities:
Net increase in deposits	49,798	392,123
Net increase in federal funds purchased and securities sold under agreements to repurchase and other short-term borrowings	53,218	25,029
Proceeds from borrowings	2,550,000	4,850,000
Repayment of borrowings	(2,350,000)	(4,450,000)
Common stock issuance	823	647
Common stock repurchases	(16,078)	(7,022)
Dividends paid	(80,413)	(76,907)
Stock options exercised	441	1,173
Net cash provided by financing activities	207,789	735,043
Net increase in cash and cash equivalents	118,289	201,186
Cash and cash equivalents at beginning of period	998,877	1,312,563
Cash and cash equivalents at end of period	1,117,166	1,513,749
Cash paid for:
Interest	355,649	159,883
Income taxes	42,186	62,170
Recognition of operating lease assets in exchange for lease liabilities	9,093
Schedule of Noncash Investing Transactions:
Real estate acquired in full or in partial settlement of loans	$ 3,604	$ 3,186

Basis of Presentation

Basis of Presentation	6 Months Ended
Basis of Presentation	Jun. 30, 2024
Basis of Presentation
Basis of Presentation	Note 1 — Basis of Presentation The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America, otherwise referred to as GAAP, for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and disclosures required for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Certain prior period information has been reclassified to conform to the current period presentation, and these reclassifications had no impact on net income or equity as previously reported. Operating results for the three and six months ended June 30, 2024, are not necessarily indicative of the results that may be expected for the year ending December 31, 2024. The consolidated balance sheet at December 31, 2023, has been derived from the audited financial statements at that date but does not include all of the information and disclosures required by GAAP for complete financial statements.

Summary of Significant Accounti

Summary of Significant Accounting Policies	6 Months Ended
Summary of Significant Accounting Policies	Jun. 30, 2024
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, 2023, as filed with the Securities and Exchange Commission (the “SEC”) on March 4, 2024, 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. In the second quarter of 2024, updates were made to certain estimates used in the Company’s current expected credit loss model, the most significant of which include expanding the number of macroeconomic variables used in the quantitative models, incorporating more granular loss data, and adjusting the reasonable and supportable forecast period from one . We continue to update and expand our qualitative framework to further address factors not captured in the quantitative process. 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 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. A loan is evaluated individually for loss when it is on nonaccrual and has a net book balance over $1 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 securities 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 the ACL is calculated is disclosed in Note 1 — Summary of Significant Accounting Policies, under the “ACL – Investment Securities” section, of our Annual Report for the year ended December 31, 2023. As of June 30, 2024, and December 31, 2023, the Company had $2.4 The Company follows its nonaccrual policy by reversing interest income in the income statement when the Company determines the interest for held to maturity securities is uncollectible. Therefore, management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the investment securities and does not record an allowance for credit losses on accrued interest receivable. As of June 30, 2024, and December 31, 2023, 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 estimates the allowance balance using relevant available information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. Historical credit loss experience provides the basis for the estimation of expected credit losses. Adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, credit quality, or term, as well as for changes in macroeconomic conditions, such as changes in unemployment rates, gross domestic product, property values, or other relevant factors. The Company’s estimate of its ACL involves a high degree of judgment; therefore, management’s process for determining expected losses may result in a range of expected losses. The Company’s ACL recorded in the balance sheet reflects management’s best estimate within the range of expected losses. The Company recognizes in net income the amount needed to adjust the ACL for management’s current estimate of expected losses. The Company generally uses an eight-quarter forecast period, based on a single forecast scenario or a blend of multiple forecast scenarios, using variables management believes are most relevant to each portfolio segment. For periods beyond which management is able to develop reasonable and supportable forecasts, the Company reverts to the average historical loss rate, reflecting historical default probabilities and loss severities, using a reversion speed that approximates four quarters. The forecast period and scenarios used are reviewed on a quarterly basis and may be adjusted based on management's view of the current economic conditions and level of predictability the forecast can provide. While quantitative allowance methodologies strive to reflect all risk factors, any estimate involves assumptions and uncertainties resulting in some level of imprecision. Imprecision exists in the estimation process due to the inherent time lag between obtaining information, performing the calculation, as well as variations between estimates and actual outcomes. As a result, amounts determined under the methodologies described above are adjusted by management to consider the potential impact of other qualitative factors not captured in the quantitative model adjustments which include, but are not limited to, the following: imprecision or conditions not captured in economic scenario assumptions, emerging risks related to either changes in the internal or external environment that are affecting specific portfolios, trends in loan or portfolio level credit metrics not captured in quantitative modeling, or model imprecision adjustments. The consideration of these items results in adjustments to allowance amounts included in the Company’s allowance for credit losses for each loan portfolio. The Company’s ACL is calculated using collectively evaluated and individually evaluated loans. Even though portions of the allowance may be allocated to specific loans or pools of loans, the entire allowance is available for any credit that, in management’s judgment, should be charged off. 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. 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. 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. 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 Income. The non-credit discount or premium is accreted or amortized, respectively, into interest income over the remaining life of the PCD loan on a level-yield basis. The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Therefore, management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the portfolio and does not record an allowance for credit losses on accrued interest receivable. As of June 30, 2024, and December 31, 2023, 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 internal historical data to estimate the percentage of unfunded loan commitments that will ultimately be funded to calculate the reserve for unfunded commitments. management applies this funding rate, along with the loss factor rate determined for each pooled loan segment, to unfunded loan commitments, excluding unconditionally cancellable exposures and letters of credit, to arrive at the reserve for unfunded loan commitments. As of June 30, 2024, and December 31, 2023, 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.

Recent Accounting and Regulator

Recent Accounting and Regulatory Pronouncements	6 Months Ended
Recent Accounting and Regulatory Pronouncements	Jun. 30, 2024
Recent Accounting and Regulatory Pronouncements
Recent Accounting and Regulatory Pronouncements	Note 3 — Recent Accounting and Regulatory Pronouncements Accounting Standards Adopted In March 2023, the FASB issued ASU 2023-02, Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method . The amendments in this update allow the option for an entity to apply the proportional amortization method of accounting to other equity investments, in addition to the previously permitted low-income housing tax credit (“LIHTC”) structured investments, that are made for the primary purpose of receiving tax credits or other income tax benefits, if certain conditions are met. The proportional amortization method of accounting results in the amortization of applicable investments, as well as the related income tax credits or other income tax benefits received, being presented on a single line within income tax expense on the consolidated statements of income. Prior to this update, the application of the proportional amortization method of accounting was limited to LIHTC structured investments. Under this update, an entity has the option to apply the proportional amortization method of accounting to applicable investments on a tax-credit-program-by-tax-credit-program basis. Also under this update, LIHTC structured investments for which the proportional amortization method is not applied can no longer be accounted for using the delayed equity contribution guidance. The amendments in this update also require additional disclosures in interim and annual periods concerning investments for which the proportional amortization method is applied, including the nature of tax equity investments, the effect of tax equity investments and related income tax credits and other income tax benefits on the financial position and results of operations. The Company adopted ASU 2023-02 effective January 1, 2024, and changed the accounting method of its LIHTC structured investments from the equity method to the proportional amortization method. The Company adopted ASU 2023-02 using the modified retrospective approach. Under this adoption approach, management was required to verify the LIHTCs met the conditions for proportional amortization method as of the date the investments were originally made by the Bank. In addition, management evaluated the actual tax credits and other income tax benefits received, as well as the remaining benefits expected to be received, as of the adoption date. The cumulative difference between the equity method and proportional amortization method resulted in a one-time cumulative effect adjustment recorded through retained earnings as of January 1, 2024. The cumulative effect resulting from the adoption of proportional amortization method was a net reduction to retained earnings of million, which reflects the amortization expense in proportion to the tax credits and benefits realized on a life-to-date basis of all LIHTCs as of December 31, 2023. Additionally, the proportional amortization method does not require deferred taxes be tracked as was the case with the equity method; therefore, deferred taxes of Issued But Not Yet Adopted Accounting Standards In November 2023, the FASB issued ASU No. 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures , to improve disclosures about a public entity’s reportable segments and address requests from investors and other allocators of capital for additional, more detailed information about a reportable segment’s expenses. Segment information gives investors an understanding of overall performance and is key to assessing potential future cash flows. In addition, although information about a segment’s revenue and measure of profit or loss is disclosed in an entity’s financial statements, there is limited information disclosed about a segment’s expenses. The key amendments include annual and interim disclosures of significant expenses and other segment items that are regularly provided to the chief operating decision maker and included within each reported measure of profit or loss, as well as any other key measure of performance used for segment management decisions. This ASU also requires disclosure of key profitability measures used in assessing performance and how to allocate resources. The amendments in this ASU are effective for fiscal years beginning after December 15, 2023, and for interim periods within fiscal years beginning after December 15, 2024, with early adoption permitted. The Company does not anticipate this ASU will have a material impact on its financial statements In December 2023, the FASB issued ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures , which aims to address requests for improved income tax disclosures from investors, lenders, creditors and other allocators of capital (collectively, “investors”) that use the financial statements to make capital allocation decisions. The amendments in this ASU address investor requests for more transparency about income tax information, including jurisdictional information, by requiring consistent categories and greater disaggregation of information in both the rate reconciliation and income taxes paid disaggregated by jurisdiction. The amendments are effective for annual periods beginning after December 15, 2024. The Company does not anticipate this ASU will have a material impact on its financial statements.

Mergers and Acquisitions

Mergers and Acquisitions	6 Months Ended
Mergers and Acquisitions	Jun. 30, 2024
Mergers and Acquisitions
Mergers and Acquisitions	Note 4 — Mergers and Acquisitions Announcement of Merger between SouthState and Independent Bank Group, Inc. (“Independent”) On May 20, 2024, the Company and Independent, a Texas-based corporation, announced that the companies have entered into an Agreement and Plan of Merger (the “Merger Agreement”). The Merger Agreement provides that, upon the terms and subject to the conditions set forth therein, Independent will merge with and into the Company, with the Company continuing as the surviving corporation in the merger. Immediately following the merger, Independent’s wholly owned banking subsidiary, Independent Bank will merge with and into the Company’s wholly owned banking subsidiary, SouthState Bank, National Association, which will continue as the surviving bank in the bank merger. The Merger Agreement was approved by the Boards of Directors of the Company and Independent by the unanimous vote of the directors present at the applicable meeting. The merger is subject to approvals by the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System (“Federal Reserve”), and the Company’s and Independent’s shareholders. Under the terms of the Merger Agreement, shareholders of Independent will receive 0.60 shares of the Company’s common stock for each share of Independent common stock they own. The transaction is expected to close during the first quarter of 2025, subject to the satisfaction of customary closing conditions, including receipt of required statutory approvals and approval by the shareholders of each of the Company and Independent. At June 30, 2024, Independent reported $18.4 billion in total assets, $14.6 billion in loans and $15.8 billion in deposits.

Investment Securities

Investment Securities	6 Months Ended
Investment Securities	Jun. 30, 2024
Investment Securities
Investment Securities	Note 5 — Investment Securities The following is the amortized cost and fair value of investment securities held to maturity: Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value June 30, 2024: U.S. Government agencies $ 147,270 $ — $ (24,781) $ 122,489 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,370,142 — (243,434) 1,126,708 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 428,468 — (73,856) 354,612 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 351,181 — (74,117) 277,064 Small Business Administration loan-backed securities 51,467 — (11,399) 40,068 $ 2,348,528 $ — $ (427,587) $ 1,920,941 December 31, 2023: U.S. Government agencies $ 197,267 $ — $ (24,607) $ 172,660 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,438,102 — (227,312) 1,210,790 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 444,883 — (68,139) 376,744 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 354,055 — (71,327) 282,728 Small Business Administration loan-backed securities 53,133 — (11,319) 41,814 $ 2,487,440 $ — $ (402,704) $ 2,084,736 The following is the amortized cost and fair value of investment securities available for sale: Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value June 30, 2024: U.S. Treasuries $ 38,098 $ — $ (153) $ 37,945 U.S. Government agencies 216,148 — (21,025) 195,123 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,735,232 125 (286,429) 1,448,928 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 592,712 5 (102,173) 490,544 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,207,592 595 (199,225) 1,008,962 State and municipal obligations 1,124,430 1 (171,729) 952,702 Small Business Administration loan-backed securities 379,899 64 (43,221) 336,742 Corporate securities 30,509 — (3,191) 27,318 $ 5,324,620 $ 790 $ (827,146) $ 4,498,264 December 31, 2023: U.S. Treasuries $ 74,720 $ — $ (830) $ 73,890 U.S. Government agencies 246,089 — (21,383) 224,706 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,822,104 294 (264,092) 1,558,306 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 626,735 — (99,313) 527,422 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,217,125 1,516 (194,471) 1,024,170 State and municipal obligations 1,129,750 2 (152,291) 977,461 Small Business Administration loan-backed securities 413,950 86 (42,350) 371,686 Corporate securities 30,533 — (3,786) 26,747 $ 5,561,006 $ 1,898 $ (778,516) $ 4,784,388 The following is the amortized cost and carrying value of other investment securities: Carrying (Dollars in thousands) Value June 30, 2024: Federal Home Loan Bank stock $ 32,336 Federal Reserve Bank stock 150,261 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 15,356 $ 201,516 December 31, 2023: Federal Home Loan Bank stock $ 22,836 Federal Reserve Bank stock 150,261 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 15,383 $ 192,043 The Company’s other investment securities consist of non-marketable equity securities that have no readily determinable market value. Accordingly, when evaluating these securities for impairment, management considers the ultimate recoverability of the par value rather than recognizing temporary declines in value. As of June 30, 2024, we determined that there was The amortized cost and fair value of debt securities at June 30, 2024, 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 $ 14,365 $ 14,057 $ 143,274 $ 141,624 Due after one year through five years 36,511 32,483 306,612 285,442 Due after five years through ten years 456,439 389,368 1,239,040 1,063,459 Due after ten years 1,841,213 1,485,033 3,635,694 3,007,739 $ 2,348,528 $ 1,920,941 $ 5,324,620 $ 4,498,264 During the three and six months ended June 30, 2024, there were no sales of securities available for sale and therefore, there were no gains or losses on sale securities available for sale. During the three and six months ended June 30, 2023, there were gross gains of Information pertaining to our securities with gross unrealized losses at June 30, 2024, and December 31, 2023, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position is as follows: Less Than Twelve Months Twelve Months or More Gross Unrealized Fair Gross Unrealized Fair (Dollars in thousands) Losses Value Losses Value June 30, 2024: Securities Held to Maturity U.S. Government agencies $ — $ — $ 24,781 $ 122,489 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 243,434 1,126,708 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises — — 73,856 354,612 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 74,117 277,064 Small Business Administration loan-backed securities — — 11,399 40,068 $ — $ — $ 427,587 $ 1,920,941 Securities Available for Sale U.S. Treasuries (1) $ — $ 10,834 $ 153 $ 24,815 U.S. Government agencies — — 21,025 195,123 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 136 8,848 286,293 1,430,209 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises — — 102,173 489,387 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 106 16,816 199,119 920,215 State and municipal obligations 1,860 20,142 169,869 930,359 Small Business Administration loan-backed securities 2 704 43,219 317,384 Corporate securities 13 485 3,178 26,833 $ 2,117 $ 57,829 $ 825,029 $ 4,334,325 December 31, 2023: Securities Held to Maturity U.S. Government agencies $ — $ — $ 24,607 $ 172,660 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 227,312 1,210,790 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises — — 68,139 376,745 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 71,327 282,728 Small Business Administration loan-backed securities — — 11,319 41,814 $ — $ — $ 402,704 $ 2,084,737 Securities Available for Sale U.S. Treasuries $ — $ — $ 830 $ 73,890 U.S. Government agencies — — 21,383 224,706 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 122 9,358 263,970 1,539,208 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises — — 99,313 527,422 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 91 7,959 194,380 955,059 State and municipal obligations 177 6,340 152,114 967,305 Small Business Administration loan-backed securities 128 42,447 42,222 304,770 Corporate securities 18 480 3,768 26,267 $ 536 $ 66,584 $ 777,980 $ 4,618,627 (1) The U.S. Treasury securities in a continuous unrealized losses position for less than twelve months at June 30, 2024, had a combined gross unrealized loss total of less than $1,000 . The Company’s valuation methodology for securities impairment is disclosed in Note 1—Summary of Significant Accounting Policies, under “Investment Securities” section, of our Annual Report on Form 10-K for the year ended December 31, 2023. All debt securities in an unrealized loss position as of June 30, 2024, continue to perform as scheduled and management does not believe there is a credit loss or a provision for credit losses is necessary. Management does not currently intend to sell the securities within the portfolio, and it is not more-likely-than-not that the Company will be required to sell the debt securities. Management continues to monitor all of the securities with a high degree of scrutiny. See Note 2 — Summary of Significant Accounting Policies for further discussion. At June 30, 2024, investment securities with a market value of $2.3 billion and a carrying value of $2.5 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 20 — 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 correspondent banks. At December 31, 2023, 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 Trading Securities At June 30, 2024, and December 31, 2023, trading securities, at estimated fair value, were as follows: June 30, December 31, (Dollars in thousands) 2024 2023 U.S. Treasuries $ 20,500 $ — U.S. Government agencies 10,220 1,537 Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises 28,838 14,461 Other residential mortgage issued or guaranteed by U.S. government agencies or sponsored enterprises 1,865 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 2,782 — State and municipal obligations 26,134 14,620 Other debt securities 1,822 703 $ 92,161 $ 31,321 Net losses on trading securities for the three and six months ended June 30, 2024, and 2023 were as follows: Three Months Ended Six Months Ended June 30, June 30, (Dollars in thousands) 2024 2023 2024 2023 Net gains (losses) on sales transaction $ 170 $ 7 $ 224 $ (40) Net mark to mark losses (323) (195) (311) (201) Net losses on trading securities $ (153) $ (188) $ (87) $ (241)

Loans

Loans	6 Months Ended
Loans	Jun. 30, 2024
Loans
Loans	Note 6 — Loans The following is a summary of total loans: June 30, December 31, (Dollars in thousands) 2024 2023 Loans: Construction and land development (1) $ 2,592,307 $ 2,923,514 Commercial non-owner-occupied 9,106,816 8,571,634 Commercial owner-occupied real estate 5,522,978 5,497,671 Consumer owner-occupied (2) 6,969,340 6,595,005 Home equity loans 1,471,384 1,398,445 Commercial and industrial 5,769,838 5,504,539 Other income producing property 624,957 656,334 Consumer 1,175,135 1,233,650 Other loans 1,809 7,697 Total loans 33,234,564 32,388,489 Less allowance for credit losses (472,298) (456,573) Loans, net $ 32,762,266 $ 31,931,916 (1) Construction and land development includes loans for both commercial construction and development, as well as loans for 1-4 family construction and lot loans. (2) Consumer owner-occupied real estate includes loans on both 1-4 family owner-occupied property, as well as loans collateralized by 1-4 family owner-occupied property with a business intent. The above table reflects the loan portfolio at the amortized cost basis for the periods June 30, 2024, and December 31, 2023, to include net deferred costs of $77.8 million compared to net deferred costs of $68.0 million, respectively, and unamortized discount related to loans acquired of $42.7 million and $51.3 million, respectively. Accrued interest receivables of 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 and for the period ending June 30, 2024 Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of June 30, 2024 2024 2023 2022 2021 2020 Prior Revolving Total Construction and land development Risk rating: Pass $ 125,752 $ 519,137 $ 1,100,600 $ 128,693 $ 10,082 $ 17,056 $ 48,633 $ 1,949,953 Special mention 733 1,682 30,311 48,402 — 341 — 81,469 Substandard 47 — 15,225 765 — 608 — 16,645 Doubtful — — — — 1 5 — 6 Total Construction and land development $ 126,532 $ 520,819 $ 1,146,136 $ 177,860 $ 10,083 $ 18,010 $ 48,633 $ 2,048,073 Construction and land development Current-period gross charge-offs $ — $ — $ — $ — $ 74 $ 2,088 $ — $ 2,162 Commercial non-owner-occupied Risk rating: Pass $ 346,456 $ 849,321 $ 2,566,851 $ 1,932,908 $ 620,771 $ 1,995,747 $ 96,578 $ 8,408,632 Special mention 247 17,986 54,393 92,173 8,646 12,503 92 186,040 Substandard 39,486 43,684 139,358 77,253 82,625 129,737 — 512,143 Doubtful — — — 1 — — — 1 Total Commercial non-owner-occupied $ 386,189 $ 910,991 $ 2,760,602 $ 2,102,335 $ 712,042 $ 2,137,987 $ 96,670 $ 9,106,816 Commercial non-owner-occupied Current-period gross charge-offs $ — $ — $ — $ 176 $ — $ 71 $ — $ 247 Commercial Owner-Occupied Risk rating: Pass $ 261,676 $ 574,218 $ 1,024,957 $ 1,044,146 $ 608,433 $ 1,622,413 $ 73,759 $ 5,209,602 Special mention 2,123 13,806 51,635 6,445 1,017 21,362 5,167 101,555 Substandard 10,043 27,888 35,338 36,984 21,518 71,331 8,708 211,810 Doubtful 4 3 — — — 4 — 11 Total commercial owner-occupied $ 273,846 $ 615,915 $ 1,111,930 $ 1,087,575 $ 630,968 $ 1,715,110 $ 87,634 $ 5,522,978 Commercial owner-occupied Current-period gross charge-offs $ — $ — $ — $ 91 $ 227 $ 75 $ — $ 393 Commercial and industrial Risk rating: Pass $ 1,150,687 $ 801,250 $ 999,002 $ 576,804 $ 331,704 $ 498,792 $ 1,160,020 $ 5,518,259 Special mention 1,782 2,765 6,856 1,624 678 4,605 22,173 40,483 Substandard 14,877 33,576 31,537 24,506 2,851 20,450 83,199 210,996 Doubtful — 6 24 62 1 3 4 100 Total commercial and industrial $ 1,167,346 $ 837,597 $ 1,037,419 $ 602,996 $ 335,234 $ 523,850 $ 1,265,396 $ 5,769,838 Commercial and industrial Current-period gross charge-offs $ 523 $ 941 $ 2,450 $ 290 $ 24 $ 2,852 $ 1,160 $ 8,240 Other income producing property Risk rating: Pass $ 24,165 $ 57,019 $ 121,434 $ 89,451 $ 48,566 $ 118,513 $ 38,353 $ 497,501 Special mention 139 507 220 1,002 785 2,253 183 5,089 Substandard 927 725 3,173 2,608 329 6,957 1,299 16,018 Doubtful — — — — — — — — Total other income producing property $ 25,231 $ 58,251 $ 124,827 $ 93,061 $ 49,680 $ 127,723 $ 39,835 $ 518,608 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer owner-occupied Risk rating: Pass $ 2,101 $ 18,493 $ 6,585 $ 3,920 $ 644 $ 712 $ 29,386 $ 61,841 Special mention 20 229 59 — 15 264 493 1,080 Substandard 1,075 — — — 5 177 — 1,257 Doubtful — — — — — 1 — 1 Total Consumer owner-occupied $ 3,196 $ 18,722 $ 6,644 $ 3,920 $ 664 $ 1,154 $ 29,879 $ 64,179 Consumer owner-occupied Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Other loans Risk rating: Pass $ 1,809 $ — $ — $ — $ — $ — $ — $ 1,809 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 1,809 $ — $ — $ — $ — $ — $ — $ 1,809 Other loans Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Commercial Loans Risk rating: Pass $ 1,912,646 $ 2,819,438 $ 5,819,429 $ 3,775,922 $ 1,620,200 $ 4,253,233 $ 1,446,729 $ 21,647,597 Special mention 5,044 36,975 143,474 149,646 11,141 41,328 28,108 415,716 Substandard 66,455 105,873 224,631 142,116 107,328 229,260 93,206 968,869 Doubtful 4 9 24 63 2 13 4 119 Total Commercial Loans $ 1,984,149 $ 2,962,295 $ 6,187,558 $ 4,067,747 $ 1,738,671 $ 4,523,834 $ 1,568,047 $ 23,032,301 Commercial Loans Current-period gross charge-offs $ 523 $ 941 $ 2,450 $ 557 $ 325 $ 5,086 $ 1,160 $ 11,042 The following table presents the credit risk profile by risk grade of commercial loans by origination year as of and for the period ending December 31, 2023: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Construction and land development Risk rating: Pass $ 480,860 $ 1,036,691 $ 503,433 $ 19,626 $ 5,585 $ 19,200 $ 49,191 $ 2,114,586 Special mention 1,683 35,790 2,922 — — 458 — 40,853 Substandard 390 46,311 765 — 4,285 767 — 52,518 Doubtful — — — 3 — 5 — 8 Total Construction and land development $ 482,933 $ 1,118,792 $ 507,120 $ 19,629 $ 9,870 $ 20,430 $ 49,191 $ 2,207,965 Construction and land development Current-period gross charge-offs $ — $ — $ — $ 204 $ — $ 2 $ — $ 206 Commercial non-owner-occupied Risk rating: Pass $ 759,501 $ 2,501,611 $ 1,878,889 $ 674,470 $ 706,794 $ 1,535,248 $ 104,698 $ 8,161,211 Special mention 3,376 38,854 19,899 10,044 9,872 12,976 93 95,114 Substandard 73,282 11,928 35,692 61,893 78,976 53,388 149 315,308 Doubtful — — 1 — — — — 1 Total Commercial non-owner-occupied $ 836,159 $ 2,552,393 $ 1,934,481 $ 746,407 $ 795,642 $ 1,601,612 $ 104,940 $ 8,571,634 Commercial non-owner-occupied Current-period gross charge-offs $ — $ — $ 51 $ — $ — $ 253 $ — $ 304 Commercial Owner-Occupied Risk rating: Pass $ 556,192 $ 1,015,236 $ 1,088,976 $ 635,694 $ 648,082 $ 1,176,796 $ 88,298 $ 5,209,274 Special mention 1,976 31,484 15,777 1,435 7,776 22,551 690 81,689 Substandard 24,240 37,922 26,810 26,308 20,310 63,220 7,890 206,700 Doubtful 3 — — 1 — 4 — 8 Total commercial owner-occupied $ 582,411 $ 1,084,642 $ 1,131,563 $ 663,438 $ 676,168 $ 1,262,571 $ 96,878 $ 5,497,671 Commercial owner-occupied Current-period gross charge-offs $ — $ 126 $ — $ — $ — $ — $ — $ 126 Commercial and industrial Risk rating: Pass $ 1,187,836 $ 1,140,702 $ 669,188 $ 367,668 $ 182,519 $ 413,271 $ 1,313,978 $ 5,275,162 Special mention 2,395 7,624 3,604 2,762 3,870 898 18,300 39,453 Substandard 26,780 29,515 23,423 4,001 5,472 15,226 85,409 189,826 Doubtful 2 11 68 1 — 13 3 98 Total commercial and industrial $ 1,217,013 $ 1,177,852 $ 696,283 $ 374,432 $ 191,861 $ 429,408 $ 1,417,690 $ 5,504,539 Commercial and industrial Current-period gross charge-offs $ 7,272 $ 3,171 $ 13,169 $ 429 $ 765 $ 1,637 $ 1,144 $ 27,587 Other income producing property Risk rating: Pass $ 58,012 $ 129,858 $ 96,743 $ 51,615 $ 40,988 $ 105,810 $ 39,701 $ 522,727 Special mention 517 266 347 69 288 2,296 203 3,986 Substandard 693 5,062 2,634 588 630 5,772 2,121 17,500 Doubtful — — — — — — — — Total other income producing property $ 59,222 $ 135,186 $ 99,724 $ 52,272 $ 41,906 $ 113,878 $ 42,025 $ 544,213 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer owner-occupied Risk rating: Pass $ 18,908 $ 4,509 $ 2,746 $ 1,293 $ 287 $ 315 $ 25,635 $ 53,693 Special mention 236 339 18 41 271 — — 905 Substandard 24 — — 927 1,560 182 150 2,843 Doubtful — — — — — 1 1 2 Total Consumer owner-occupied $ 19,168 $ 4,848 $ 2,764 $ 2,261 $ 2,118 $ 498 $ 25,786 $ 57,443 Consumer owner-occupied Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Other loans Risk rating: Pass $ 7,697 $ — $ — $ — $ — $ — $ — $ 7,697 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 7,697 $ — $ — $ — $ — $ — $ — $ 7,697 Other loans Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Commercial Loans Risk rating: Pass $ 3,069,006 $ 5,828,607 $ 4,239,975 $ 1,750,366 $ 1,584,255 $ 3,250,640 $ 1,621,501 $ 21,344,350 Special mention 10,183 114,357 42,567 14,351 22,077 39,179 19,286 262,000 Substandard 125,409 130,738 89,324 93,717 111,233 138,555 95,719 784,695 Doubtful 5 11 69 5 — 23 4 117 Total Commercial Loans $ 3,204,603 $ 6,073,713 $ 4,371,935 $ 1,858,439 $ 1,717,565 $ 3,428,397 $ 1,736,510 $ 22,391,162 Commercial Loans Current-period gross charge-offs $ 7,272 $ 3,297 $ 13,220 $ 633 $ 765 $ 1,892 $ 1,144 $ 28,223 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 and for the period ending June 30, 2024: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of June 30, 2024 2024 2023 2022 2021 2020 Prior Revolving Total Consumer owner-occupied Days past due: Current $ 351,049 $ 1,034,667 $ 2,262,299 $ 1,616,397 $ 601,949 $ 1,011,015 $ — $ 6,877,376 30 days past due 623 2,764 2,451 1,766 1,827 3,022 — 12,453 60 days past due — 2,115 1,799 975 109 1,033 — 6,031 90 days past due — 1,726 2,331 2,402 451 2,391 — 9,301 Total Consumer owner-occupied $ 351,672 $ 1,041,272 $ 2,268,880 $ 1,621,540 $ 604,336 $ 1,017,461 $ — $ 6,905,161 Consumer owner-occupied Current-period gross charge-offs $ — $ 136 $ 190 $ — $ 12 $ 41 $ — $ 379 Home equity loans Days past due: Current $ 4,762 $ 6,246 $ 4,585 $ 1,716 $ 1,495 $ 12,018 $ 1,432,868 $ 1,463,690 30 days past due 42 31 392 13 306 336 4,701 5,821 60 days past due — 35 8 — — 243 228 514 90 days past due — 98 228 36 208 522 267 1,359 Total Home equity loans $ 4,804 $ 6,410 $ 5,213 $ 1,765 $ 2,009 $ 13,119 $ 1,438,064 $ 1,471,384 Home equity loans Current-period gross charge-offs $ — $ — $ — $ — $ — $ 110 $ — $ 110 Consumer Days past due: Current $ 114,207 $ 256,547 $ 257,784 $ 115,322 $ 61,117 $ 178,244 $ 171,373 $ 1,154,594 30 days past due 37 130 319 129 4 1,087 8,428 10,134 60 days past due 4 92 289 156 8 655 5,101 6,305 90 days past due 1 681 272 22 128 1,087 1,911 4,102 Total consumer $ 114,249 $ 257,450 $ 258,664 $ 115,629 $ 61,257 $ 181,073 $ 186,813 $ 1,175,135 Consumer Current-period gross charge-offs $ 23 $ 771 $ 941 $ 135 $ 29 $ 279 $ 2,517 $ 4,695 Construction and land development Days past due: Current $ 22,626 $ 135,146 $ 284,726 $ 68,029 $ 14,886 $ 18,439 $ — $ 543,852 30 days past due — — — — — 45 — 45 60 days past due — — — — — — — — 90 days past due — — 320 — 1 16 — 337 Total Construction and land development $ 22,626 $ 135,146 $ 285,046 $ 68,029 $ 14,887 $ 18,500 $ — $ 544,234 Construction and land development Current-period gross charge-offs $ — $ — $ 304 $ — $ — $ — $ — $ 304 Other income producing property Days past due: Current $ 1,117 $ 6,106 $ 41,554 $ 17,367 $ 4,075 $ 35,549 $ 229 $ 105,997 30 days past due — — — — — 243 — 243 60 days past due — — — — — — — — 90 days past due — — — — — 109 — 109 Total other income producing property $ 1,117 $ 6,106 $ 41,554 $ 17,367 $ 4,075 $ 35,901 $ 229 $ 106,349 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Consumer Loans Days past due: Current $ 493,761 $ 1,438,712 $ 2,850,948 $ 1,818,831 $ 683,522 $ 1,255,265 $ 1,604,470 $ 10,145,509 30 days past due 702 2,925 3,162 1,908 2,137 4,733 13,129 28,696 60 days past due 4 2,242 2,096 1,131 117 1,931 5,329 12,850 90 days past due 1 2,505 3,151 2,460 788 4,125 2,178 15,208 Total Consumer Loans $ 494,468 $ 1,446,384 $ 2,859,357 $ 1,824,330 $ 686,564 $ 1,266,054 $ 1,625,106 $ 10,202,263 Consumer Loans Current-period gross charge-offs $ 23 $ 907 $ 1,435 $ 135 $ 41 $ 430 $ 2,517 $ 5,488 The following table presents total loans by origination year as of and for the period ending June 30, 2024: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of June 30, 2024 2024 2023 2022 2021 2020 Prior Revolving Total Total Loans $ 2,478,617 $ 4,408,679 $ 9,046,915 $ 5,892,077 $ 2,425,235 $ 5,789,888 $ 3,193,153 $ 33,234,564 Current-period gross charge-offs $ 546 $ 1,848 $ 3,885 $ 692 $ 366 $ 5,516 $ 3,677 $ 16,530 The following table presents the credit risk profile by past due status of consumer loans by origination year as of and for the period ending December 31, 2023: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Consumer owner-occupied Days past due: Current $ 1,019,956 $ 2,125,156 $ 1,641,518 $ 628,107 $ 288,304 $ 809,419 $ — $ 6,512,460 30 days past due 1,589 2,268 1,524 654 707 4,012 — 10,754 60 days past due — 766 528 680 — 813 — 2,787 90 days past due 1,280 2,538 1,089 1,689 315 4,650 — 11,561 Total Consumer owner-occupied $ 1,022,825 $ 2,130,728 $ 1,644,659 $ 631,130 $ 289,326 $ 818,894 $ — $ 6,537,562 Consumer owner-occupied Current-period gross charge-offs $ 68 $ 90 $ 27 $ — $ — $ 2 $ — $ 187 Home equity loans Days past due: Current $ 6,551 $ 6,454 $ 2,887 $ 1,396 $ 1,003 $ 11,518 $ 1,358,829 $ 1,388,638 30 days past due 60 — 132 21 44 539 5,860 6,656 60 days past due — — 12 104 — 458 1,268 1,842 90 days past due 117 — 27 194 1 672 298 1,309 Total Home equity loans $ 6,728 $ 6,454 $ 3,058 $ 1,715 $ 1,048 $ 13,187 $ 1,366,255 $ 1,398,445 Home equity loans Current-period gross charge-offs $ — $ — $ — $ 64 $ — $ 29 $ 84 $ 177 Consumer Days past due: Current $ 299,871 $ 305,283 $ 141,369 $ 75,213 $ 60,265 $ 143,725 $ 182,608 $ 1,208,334 30 days past due 443 321 247 142 137 1,384 10,757 13,431 60 days past due 64 254 152 4 4 973 6,420 7,871 90 days past due 93 395 174 196 110 1,108 1,938 4,014 Total consumer $ 300,471 $ 306,253 $ 141,942 $ 75,555 $ 60,516 $ 147,190 $ 201,723 $ 1,233,650 Consumer Current-period gross charge-offs $ 373 $ 1,586 $ 571 $ 280 $ 217 $ 537 $ 8,478 $ 12,042 Construction and land development Days past due: Current $ 135,739 $ 425,276 $ 111,205 $ 20,322 $ 8,555 $ 14,265 $ — $ 715,362 30 days past due — — — 111 — — — 111 60 days past due — — — — — — — — 90 days past due — — — 1 — 75 — 76 Total Construction and land development $ 135,739 $ 425,276 $ 111,205 $ 20,434 $ 8,555 $ 14,340 $ — $ 715,549 Construction and land development Current-period gross charge-offs $ — $ — $ — $ — $ — $ 19 $ — $ 19 Other income producing property Days past due: Current $ 6,310 $ 43,022 $ 18,536 $ 4,331 $ 2,537 $ 36,911 $ 280 $ 111,927 30 days past due — — — — — 67 — 67 60 days past due — — — — — — — — 90 days past due — — — — — 127 — 127 Total other income producing property $ 6,310 $ 43,022 $ 18,536 $ 4,331 $ 2,537 $ 37,105 $ 280 $ 112,121 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Consumer Loans Days past due: Current $ 1,468,427 $ 2,905,191 $ 1,915,515 $ 729,369 $ 360,664 $ 1,015,838 $ 1,541,717 $ 9,936,721 30 days past due 2,092 2,589 1,903 928 888 6,002 16,617 31,019 60 days past due 64 1,020 692 788 4 2,244 7,688 12,500 90 days past due 1,490 2,933 1,290 2,080 426 6,632 2,236 17,087 Total Consumer Loans $ 1,472,073 $ 2,911,733 $ 1,919,400 $ 733,165 $ 361,982 $ 1,030,716 $ 1,568,258 $ 9,997,327 Consumer Loans Current-period gross charge-offs $ 441 $ 1,676 $ 598 $ 344 $ 217 $ 587 $ 8,562 $ 12,425 The following table presents total loans by origination year as of and for the period ending December 31, 2023: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Total Loans $ 4,676,676 $ 8,985,446 $ 6,291,335 $ 2,591,604 $ 2,079,547 $ 4,459,113 $ 3,304,768 $ 32,388,489 Current-period gross charge-offs $ 7,713 $ 4,973 $ 13,818 $ 977 $ 982 $ 2,479 $ 9,706 $ 40,648 The following table presents an aging analysis of past due accruing loans, segregated by class: 30 - 59 Days 60 - 89 Days 90+ Days Total Non- Total (Dollars in thousands) Past Due Past Due Past Due Past Due Current Accruing Loans June 30, 2024 Construction and land development $ 46 $ — $ — $ 46 $ 2,590,977 $ 1,284 $ 2,592,307 Commercial non-owner-occupied 2,246 60 510 2,816 9,082,664 21,336 9,106,816 Commercial owner-occupied 4,863 1,237 475 6,575 5,462,683 53,720 5,522,978 Consumer owner-occupied 9,305 682 — 9,987 6,929,207 30,146 6,969,340 Home equity loans 4,354 458 — 4,812 1,459,643 6,929 1,471,384 Commercial and industrial 22,597 5,891 5,656 34,144 5,668,946 66,748 5,769,838 Other income producing property 578 65 118 761 621,043 3,153 624,957 Consumer 9,861 5,928 — 15,789 1,153,601 5,745 1,175,135 Other loans — — — — 1,809 — 1,809 $ 53,850 $ 14,321 $ 6,759 $ 74,930 $ 32,970,573 $ 189,061 $ 33,234,564 December 31, 2023 Construction and land development $ 624 $ — $ — $ 624 $ 2,921,457 $ 1,433 $ 2,923,514 Commercial non-owner-occupied 2,194 123 1,378 3,695 8,546,630 21,309 8,571,634 Commercial owner-occupied 3,852 1,141 988 5,981 5,446,803 44,887 5,497,671 Consumer owner-occupied 7,903 552 920 9,375 6,560,359 25,271 6,595,005 Home equity loans 6,500 1,326 — 7,826 1,385,687 4,932 1,398,445 Commercial and industrial 25,231 7,194 9,193 41,618 5,399,390 63,531 5,504,539 Other income producing property 569 570 — 1,139 651,993 3,202 656,334 Consumer 13,212 7,370 — 20,582 1,207,411 5,657 1,233,650 Other loans — — — — 7,697 — 7,697 $ 60,085 $ 18,276 $ 12,479 $ 90,840 $ 32,127,427 $ 170,222 $ 32,388,489 The following table is a summary of information pertaining to nonaccrual loans by class, including loans modified for borrowers with financial difficulty as of June 30, 2024, and December 31, 2023 : June 30, Greater than Non-accrual December 31, (Dollars in thousands) 2024 90 Days Accruing (1) with no allowance (1) 2023 Construction and land development $ 1,284 $ — $ — $ 1,433 Commercial non-owner-occupied 21,336 510 17,825 21,309 Commercial owner-occupied real estate 53,720 475 24,550 44,887 Consumer owner-occupied 30,146 — — 25,271 Home equity loans 6,929 — 1,220 4,932 Commercial and industrial 66,748 5,656 26,035 63,531 Other income producing property 3,153 118 1,265 3,202 Consumer 5,745 — — 5,657 Total loans on nonaccrual status $ 189,061 $ 6,759 $ 70,895 $ 170,222 (1) Greater than 90 days accruing and non-accrual with no allowance loans at June 30, 2024. 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 descriptions on individually evaluated loans. The following is a summary of collateral dependent loans, by type of collateral, and the extent to which they are collateralized during the period: June 30, Collateral December 31, Collateral (Dollars in thousands) 2024 Coverage % 2023 Coverage % Commercial owner-occupied real estate Church $ 4,631 $ 12,700 274% $ 3,537 $ 6,705 190% Industrial 6,892 14,644 212% 7,172 1

Allowance for Credit Losses (AC

Allowance for Credit Losses (ACL)	6 Months Ended
Allowance for Credit Losses (ACL)	Jun. 30, 2024
Allowance for Credit Losses (ACL)
Allowance for Credit Losses (ACL)	Note 7 — Allowance for Credit Losses (ACL) See Note 2 — Summary of Significant Accounting Policies in this Quarterly Report on Form 10-Q for further detailed descriptions of our estimation process and methodology related to the allowance for credit losses. The following tables present a disaggregated analysis of activity in the allowance for credit losses. Residential Residential Residential Comm Constr. CRE Owner- Non-Owner- (Dollars in thousands) Mortgage Sr. Mortgage Jr. HELOC Construction & Dev. Consumer Multifamily Municipal Occupied Occupied CRE C & I Total Three Months Ended June 30, 2024 Allowance for credit losses: Balance at end of period March 31, 2024 $ 87,484 $ 1,230 $ 11,724 $ 4,552 $ 60,860 $ 23,353 $ 17,012 $ 876 $ 72,597 $ 134,698 $ 55,268 $ 469,654 Charge-offs (36) — — — (687) (2,198) — — (393) (176) (5,100) (8,590) Recoveries 92 50 277 15 144 825 41 — 408 89 2,424 4,365 Net (charge offs) recoveries 56 50 277 15 (543) (1,373) 41 — 15 (87) (2,676) (4,225) Provision (recovery) (1) (27,988) (852) 6,928 5,458 16,902 (9,752) 2,708 903 18,811 (35,596) 29,347 6,869 Balance at end of period June 30, 2024 $ 59,552 $ 428 $ 18,929 $ 10,025 $ 77,219 $ 12,228 $ 19,761 $ 1,779 $ 91,423 $ 99,015 $ 81,939 $ 472,298 Three Months Ended June 30, 2023 Allowance for credit losses: Balance at end of period March 31, 2023 $ 77,351 $ 349 $ 14,318 $ 9,176 $ 55,069 $ 23,319 $ 5,507 $ 879 $ 57,541 $ 82,473 $ 44,663 $ 370,645 Charge-offs (37) — — — (2) (3,017) — — (35) — (4,487) (7,578) Recoveries 302 3 532 22 198 520 — — 93 334 2,264 4,268 Net (charge offs) recoveries 265 3 532 22 196 (2,497) — — 58 334 (2,223) (3,310) Provision (recovery) (1) 3,853 40 (638) (329) 49 3,755 4,260 (134) 13,160 32,462 3,579 60,057 Balance at end of period June 30, 2023 $ 81,469 $ 392 $ 14,212 $ 8,869 $ 55,314 $ 24,577 $ 9,767 $ 745 $ 70,759 $ 115,269 $ 46,019 $ 427,392 (1) A negative provision for credit losses of ($3.0) million was recorded during the second quarter of 2024, compared to a negative provision for credit losses of ($21.7) million recorded during the second quarter of 2023 for the allowance for credit losses for unfunded commitments that is not included in the above table. Residential Residential Residential Comm Constr. CRE Owner- Non-Owner- (Dollars in thousands) Mortgage Sr. Mortgage Jr. HELOC Construction & Dev. Consumer Multifamily Municipal Occupied Occupied CRE C & I Total Six Months Ended June 30, 2024 Allowance for credit losses: Balance at end of period December 31, 2023 $ 78,052 $ 745 $ 10,942 $ 5,024 $ 65,772 $ 23,331 $ 13,766 $ 900 $ 71,580 $ 137,055 $ 49,406 $ 456,573 Charge-offs (379) — (110) (304) (2,162) (4,695) — — (393) (247) (8,240) (16,530) Recoveries 215 89 569 22 1,151 1,950 66 — 511 99 4,954 9,626 Net (charge offs) recoveries (164) 89 459 (282) (1,011) (2,745) 66 — 118 (148) (3,286) (6,904) Provision (benefit) (1) (18,336) (406) 7,528 5,283 12,458 (8,358) 5,929 879 19,725 (37,892) 35,819 22,629 Balance at end of period June 30, 2024 $ 59,552 $ 428 $ 18,929 $ 10,025 $ 77,219 $ 12,228 $ 19,761 $ 1,779 $ 91,423 $ 99,015 $ 81,939 $ 472,298 Six Months Ended June 30, 2023 Allowance for credit losses: Balance at end of period December 31, 2022 $ 72,188 $ 405 $ 14,886 $ 8,974 $ 45,410 $ 22,767 $ 3,684 $ 849 $ 58,083 $ 78,485 $ 50,713 $ 356,444 Charge-offs (39) — (39) — (2) (5,746) — — (35) (51) (6,293) (12,205) Recoveries 596 8 777 94 456 1,104 — — 386 440 3,996 7,857 Net recoveries (charge offs) 557 8 738 94 454 (4,642) — — 351 389 (2,297) (4,348) Provision (benefit) (1) 8,724 (21) (1,412) (199) 9,450 6,452 6,083 (104) 12,325 36,395 (2,397) 75,296 Balance at end of period June 30, 2023 $ 81,469 $ 392 $ 14,212 $ 8,869 $ 55,314 $ 24,577 $ 9,767 $ 745 $ 70,759 $ 115,269 $ 46,019 $ 427,392 (1) A negative provision for credit losses of ($6.1) million was recorded during the first six months of 2024, compared to a negative provision for credit losses of ($3.8) million during the first six months of 2023 for the allowance for credit losses for unfunded commitments that is not included in the above table .

Leases

Leases	6 Months Ended
Leases	Jun. 30, 2024
Leases
Leases	Note 8 — Leases As of June 30, 2024, and December 31, 2023, we had operating right-of-use (“ROU”) assets of $103.7 million and $100.3 million, respectively, and operating lease liabilities of $111.8 million and $108.3 million, respectively. We maintain operating leases on land and buildings for some of our operating centers, branch facilities and ATM locations. Most leases include one or more . The exercise of renewal options is based on the sole judgment of management and what they consider to be reasonably certain given the environment today. Factors in determining whether an option is reasonably certain of exercise include, but are not limited to, the value of leasehold improvements, the value of renewal rate compared to market rates, and the presence of factors that would cause a significant economic penalty to us if the option is not exercised. Leases with an initial term of 12 months or less are not recorded on the balance sheet and instead are recognized in lease expense on a straight-line basis over the lease term. Three Months Ended Six Months Ended June 30, June 30, (Dollars in thousands) 2024 2023 2024 2023 Lease Cost Components: Amortization of ROU assets – finance leases $ 117 $ 117 $ 233 $ 233 Interest on lease liabilities – finance leases 8 10 18 21 Operating lease cost (cost resulting from lease payments) 4,356 4,278 8,633 8,518 Short-term lease cost 184 109 323 215 Variable lease cost (cost excluded from lease payments) 956 840 1,753 1,475 Total lease cost $ 5,621 $ 5,354 $ 10,960 $ 10,462 Supplemental Cash Flow and Other Information Related to Leases: Finance lease – operating cash flows $ 8 $ 10 $ 18 $ 21 Finance lease – financing cash flows 119 110 238 220 Operating lease – operating cash flows (fixed payments) 4,220 4,154 8,413 8,250 Operating lease – operating cash flows (net change asset/liability) (3,300) (3,321) (6,667) (6,608) New ROU assets – operating leases 6,550 701 9,093 701 New ROU assets – finance leases — — — Weighted – average remaining lease term (years) – finance leases 3.93 3.93 4.93 Weighted – average remaining lease term (years) – operating leases 8.86 8.86 9.63 Weighted – average discount rate - finance leases 1.7% 1.7% 1.7% Weighted – average discount rate - operating leases 3.3% 3.3% 3.0% Operating lease payments due: 2024 (excluding 6 months ended June 30, 2024) $ 8,613 2025 16,374 2026 15,866 2027 14,693 2028 14,030 Thereafter 61,212 Total undiscounted cash flows 130,788 Discount on cash flows (18,947) Total operating lease liabilities $ 111,841 As of June 30, 2024, 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. At June 30, 2024, we did not maintain any leases with related parties, and determined that the number and dollar amount of our equipment leases was immaterial. As of June 30, 2024, we had Equipment Lessor SouthState has an Equipment Finance Group which goes to market through intermediaries. The Equipment Finance Group primarily focuses on serving the construction and utility segments. Lease terms typically range from 24 months to 120 months . At the end of the lease term, the lessee has the option to renew the lease, return the equipment, or purchase the equipment. In the event the equipment is returned, there is a remarketing agreement with the intermediary to sell the equipment. The Equipment Finance Group offers the following lease products: TRAC Leases, Split-TRAC Leases, and FMV Leases. Direct finance equipment leases are included in commercial and industrial loans on the Consolidated Balance Sheets. The estimated residual values for direct finance leases are established by an approved intermediary who utilizes internally developed analyses, external studies, and/or third-party appraisals to establish a residual position. FMV and Split-TRAC leases have residual risk due to their unguaranteed residual value whereas TRAC leases have a guaranteed residual value. Expected credit losses on direct financing leases and the related estimated residual values are included in the Commercial and Industrial loan segment for the ACL. The following table summarizes lease receivables and investment in operating leases and their corresponding balance sheet location at June 30, 2024, and December 31, 2023: June 30, December 31, (Dollars in thousands) 2024 2023 Direct financing leases: Lease receivables $ 16,997 $ 5,503 Unguaranteed residual values 2,837 501 Initial direct costs 505 155 Less: Unearned income (3,503) (1,165) Total net investment in direct financing leases $ 16,836 $ 4,994 The following table summarizes direct financing lease income recorded for the three and six months ended June 30, 2024, and remaining lease payment receivable for each of the next five years: Three Months Ended Six Months Ended June 30, June 30, 2024 2024 Direct financing lease income Interest income $ 229 $ 392 Remaining lease payments receivable: 2024 (excluding 6 months ended June 30, 2024) $ 1,755 2025 3,556 2026 3,556 2027 3,555 2028 2,505 Thereafter 2,070 Total undiscounted lease receivable 16,997 Less: unearned interest income (3,503) Net lease receivables $ 13,494 See Note 1 — Summary of Significant Accounting Policies, under the “Leases” section, of our Annual Report on Form 10-K for the year ended December 31, 2023, on accounting for leases.

Deposits

Deposits	6 Months Ended
Deposits	Jun. 30, 2024
Deposits
Deposits	Note 9 — Deposits Our total deposits as of June 30, 2024, and December 31, 2023, are comprised of the following: June 30, December 31, (Dollars in thousands) 2024 2023 Noninterest-bearing checking $ 10,374,464 $ 10,649,274 Interest-bearing checking 7,547,406 7,978,799 Savings 2,475,130 2,632,212 Money market 12,122,336 11,538,671 Time deposits 4,579,066 4,249,953 Total deposits $ 37,098,402 $ 37,048,909 At June 30, 2024, and December 31, 2023, we had $960.4 million and $927.2 million in certificates of deposits greater than $250,000, respectively.

Retirement Plans

Retirement Plans	6 Months Ended
Retirement Plans	Jun. 30, 2024
Retirement Plans
Retirement Plans	Note 10 — 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 18 . 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 receive a of their salary. We expensed Employees can enter the savings plan on or after the first day of each month. The employee may enter into a salary deferral agreement at any time to select an alternative deferral amount or to elect not to defer in the plan. If the employee does not elect an investment allocation, the plan administrator will select a retirement-based portfolio according to the employee’s number of years until normal retirement age. The plan’s investment valuations are generally provided on a daily basis.

Earnings Per Share

Earnings Per Share	6 Months Ended
Earnings Per Share	Jun. 30, 2024
Earnings Per Share
Earnings Per Share	Note 11 — Earnings Per Share Basic earnings per share is calculated by dividing net income by the weighted-average shares of common stock outstanding during each period, excluding non-vested restricted shares. Our diluted earnings per share is based on the weighted-average shares of common stock outstanding during each period plus the maximum dilutive effect of common stock issuable upon exercise of stock options or vesting of restricted stock units. Stock options and unvested restricted stock units are considered common stock equivalents and are only included in the calculation of diluted earnings per common share when their effect is dilutive. The following table sets forth the computation of basic and diluted earnings per common share: Three Months Ended Six Months Ended June 30, June 30, (Dollars and shares in thousands, except for per share amounts) 2024 2023 2024 2023 Basic earnings per common share: Net income $ 132,370 $ 123,447 $ 247,426 $ 263,373 Weighted-average basic common shares 76,251 76,058 76,276 75,981 Basic earnings per common share $ 1.74 $ 1.62 $ 3.24 $ 3.47 Diluted earnings per common share: Net income $ 132,370 $ 123,447 $ 247,426 $ 263,373 Weighted-average basic common shares 76,251 76,058 76,276 75,981 Effect of dilutive securities 356 360 354 413 Weighted-average dilutive shares 76,607 76,418 76,630 76,394 Diluted earnings per common share $ 1.73 $ 1.62 $ 3.23 $ 3.45 The calculation of diluted earnings per common share excludes outstanding stock options for which the results would have been anti-dilutive under the treasury stock method as follows: Three Months Ended June 30, Six Months Ended June 30, 2024 2023 2024 2023 Number of shares 57,169 58,247 57,169 57,169 Range of exercise prices $ 87.30 to $ 91.35 $ 69.48 to $ 91.35 $ 87.30 to $ 91.35 $ 87.30 to $ 91.35

Share-Based Compensation

Share-Based Compensation	6 Months Ended
Share-Based Compensation	Jun. 30, 2024
Share-Based Compensation
Share-Based Compensation	Note 12 — 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 2020 plan was subsequently amended and restated during our annual meeting on April 24, 2024 to increase the number of shares of common stock available for future grants. The Company also assumed the obligations of Atlantic Capital Bancshares, Inc. (“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. options were granted under the 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 amended and restated 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 amended and restated 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, 2024 107,592 $ 72.60 Exercised (7,419) 59.30 Expired (29) 39.12 Outstanding at June 30, 2024 100,144 73.60 2.31 $ 1,123 Exercisable at June 30, 2024 100,144 73.60 2.31 $ 1,123 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 six months of 2024. Because all outstanding stock options had vested as of December 31, 2023, there was no unrecognized compensation cost related to nonvested stock option grants under the plans or fair value of shares vested during the six months ended June 30, 2024. The intrinsic value of stock option shares exercised for the six months ended June 30, 2024, 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 four-year 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 2024 is summarized in the following table. Weighted- Average Grant-Date Restricted Stock Shares Fair Value Nonvested at January 1, 2024 16,248 $ 88.63 Vested (10,187) 90.00 Forfeited (316) 90.00 Nonvested at June 30, 2024 5,745 $ 86.11 As of June 30, 2024, there was $267,000 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 years as of June 30, 2024. The total fair value of shares vested during the six months ended June 30, 2024, was $858,000. 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 three-year one two-year two four years 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 three-year 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 six months ended June 30, 2024, is summarized in the following table. Weighted- Average Grant-Date Restricted Stock Units Shares Fair Value Outstanding at January 1, 2024 873,048 $ 75.22 Granted 368,696 80.66 Vested (353,675) 77.51 Forfeited (10,762) 76.84 Outstanding at June 30, 2024 877,307 $ 76.56 The nonvested shares of 877,307 at June 30, 2024, includes 69,349 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 2022, 2023 and 2024 Long Term Incentive performance-based RSU grants, an additional three-year As of June 30, 2024, there was $35.8 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 years as of June 30, 2024. The total fair value of RSUs vested and released during the six months ended June 30, 2024, was

Commitments and Contingent Liab

Commitments and Contingent Liabilities	6 Months Ended
Commitments and Contingent Liabilities	Jun. 30, 2024
Commitments and Contingent Liabilities
Commitments and Contingent Liabilities	Note 13 — Commitments and Contingent Liabilities In the normal course of business, we make various commitments and incur certain contingent liabilities, which are not reflected in the accompanying financial statements. The commitments and contingent liabilities include guarantees, commitments to extend credit, and standby letters of credit. At June 30, 2024, 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 response to the bank failures in early 2023, the FDIC implemented a special assessment to recover the losses to the FDIC’s Deposit Insurance Fund at an annual rate of approximately 13.4 basis points over eight quarterly assessment periods beginning with the first quarterly assessment period of 2024. The base for the special assessment is equal to an insured depository institution’s estimated uninsured deposits reported as of December 31, 2022, adjusted to exclude the first billion. As a result, approximately special assessment period. Due to additional losses to the Deposit Insurance Fund resulting from the 2023 bank failures reported by the FDIC in February 2024, an additional million. The additional million will be paid over two quarters after the initial two-year assessment period. The FDIC may impose additional special assessments from time to time based on the actual losses incurred by the FDIC as a result of the March 2023 bank failures or future failures. Cyber Incident Litigation On April 3, 2024, a putative class action lawsuit was filed against the Bank in the U.S. District Court for the Middle District of Florida, Tampa Division (the “Original Suit”). The plaintiff, who purports to represent the class of individuals harmed by alleged actions and/or omissions by the Bank in connection with the cybersecurity incident that was detected on February 6, 2024 (the “Cyber Incident”), asserts a variety of common law and statutory claims seeking monetary damages, injunctive relief and other related relief related to the potential unauthorized access by third parties to personal identifiable information. While the Original Suit has been voluntarily dismissed, additional plaintiffs have initiated litigation that names the Bank as a defendant. As of July 30, 2024, three putative class actions are pending against the Bank, including one case pending in the U.S. District Court for the Northern District of Georgia, and two cases pending in the Circuit Court for Polk County, Florida. An additional case pending in the Circuit Court for Broward County, Florida, that does not seek class certification requests a declaratory judgment that the Bank leaked sensitive data belonging to the named plaintiff (each such litigation, a “Cyber Incident Suit”). We anticipate that all putative class actions will be consolidated into one litigation At this time, neither the Bank nor the Company is able to reasonably estimate the amount or range of reasonably possible loss, if any, that might result from the Cyber Incident Suits. However, the Bank believes that it has defenses to the claims and intends to vigorously defend against the Cyber Incident Suits. Accordingly, no amounts have been recorded in the unaudited condensed consolidated financial statements for the Cyber Incident Suits. The Company will continue to evaluate information as it becomes known and will record an estimate for losses at the time or times when it is both probable that a loss has been incurred and the amount of the loss is reasonably estimable. Additional lawsuits and claims related to the Cyber Incident may be asserted by or on behalf of customers, shareholders, or others seeking damages or other related relief and additional inquiries from governmental agencies may be received or investigations by governmental agencies commence d.

Fair Value

Fair Value	6 Months Ended
Fair Value	Jun. 30, 2024
Fair Value.
Fair Value	Note 14 — 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, 2023. Assets and Liabilities Recorded at Fair Value on a Recurring Basis The table below presents the recorded amount of assets and liabilities measured at fair value on a recurring basis: Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) June 30, 2024: Assets Derivative financial instruments $ 185,036 $ — $ 185,036 $ — Loans held for sale 100,007 — 100,007 — Trading securities 92,161 — 92,161 — Securities available for sale: U.S. Treasuries 37,945 — 37,945 — U.S. Government agencies 195,123 — 195,123 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,448,928 — 1,448,928 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 490,544 — 490,544 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,008,962 — 1,008,962 — State and municipal obligations 952,702 — 952,702 — Small Business Administration loan-backed securities 336,742 — 336,742 — Corporate securities 27,318 — 27,318 — Total securities available for sale 4,498,264 — 4,498,264 — Mortgage servicing rights 88,904 — — 88,904 SBA servicing asset 6,307 — — 6,307 $ 4,970,679 $ — $ 4,875,468 $ 95,211 Liabilities Derivative financial instruments $ 955,347 $ — $ 955,347 $ — December 31, 2023: Assets Derivative financial instruments $ 172,939 $ — $ 172,939 $ — Loans held for sale 50,888 — 50,888 — Trading securities 31,321 — 31,321 — Securities available for sale: U.S. Treasuries 73,890 — 73,890 — U.S. Government agencies 224,706 — 224,706 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,558,306 — 1,558,306 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 527,422 — 527,422 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,024,170 — 1,024,170 — State and municipal obligations 977,461 — 977,461 — Small Business Administration loan-backed securities 371,686 — 371,686 — Corporate securities 26,747 — 26,747 — Total securities available for sale 4,784,388 — 4,784,388 — Mortgage servicing rights 85,164 — — 85,164 SBA servicing asset 5,952 — — 5,952 $ 5,130,652 $ — $ 5,039,536 $ 91,116 Liabilities Derivative financial instruments $ 804,486 $ — $ 804,486 $ — Fair Value Option The Company has elected the fair value option for mortgage loans held for sale primarily to ease the operational burden required to maintain hedge accounting for these loans. The Company also has opted for the fair value option for the SBA servicing asset, as it is the industry-preferred method for valuing such assets. The following table summarizes the difference between the fair value and the unpaid principal balance of mortgage loans held for sale and the changes in fair value of these loans: June 30, December 31, (Dollars in thousands) 2024 2023 Fair value $ 100,007 $ 50,888 Unpaid principal balance 97,136 49,025 Fair value less aggregated unpaid principal balance $ 2,871 $ 1,863 Three Months Ended June 30, Six Months Ended June 30, (Dollars in thousands) 2024 2023 2024 2023 Income Statement Location Mortgage loans held for sale $ 1,152 $ 75 $ 1,008 $ 66 Mortgage banking income Changes in Level 1, 2 and 3 Fair Value Measurements When a determination is made to classify a financial instrument within Level 3 of the valuation hierarchy, the determination is based upon the significance of the unobservable factors to the overall fair value measurement. However, since Level 3 financial instruments typically include, in addition to the unobservable or Level 3 components, observable components (that is, components that are actively quoted and can be validated to external sources), the gains and losses below include changes in fair value due in part to observable factors that are part of the valuation methodology. There were no changes in hierarchy classifications of Level 3 assets or liabilities for the six months ended June 30, 2024. A reconciliation of the beginning and ending balances of Level 3 assets and liabilities recorded at fair value on a recurring basis for the six months ended June 30, 2024, is as follows: (Dollars in thousands) MSRs Fair value, January 1, 2024 $ 85,164 Servicing assets that resulted from transfers of financial assets 4,533 Changes in fair value due to valuation inputs or assumptions 3,214 Changes in fair value due to decay (4,007) Fair value, June 30, 2024 $ 88,904 In 2022, the Company elected to prospectively apply fair value accounting to the Company’s SBA servicing asset, which is considered a Level 3 asset. A reconciliation of the beginning and ending balances of the SBA servicing asset recorded at fair value on a recurring basis for the period ending June 30, 2024, is as follows: (Dollars in thousands) SBA Servicing Asset Fair value, January 1, 2024 $ 5,952 Servicing assets that resulted from transfers of financial assets 1,113 Changes in fair value due to decay (956) Changes in fair value due to valuation inputs or assumptions 198 Fair value, June 30, 2024 $ 6,307 There were no unrealized losses included in accumulated other comprehensive income related to Level 3 financial assets and liabilities at June 30, 2024. Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis The tables below present the recorded amount of assets and liabilities measured at fair value on a nonrecurring basis: Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) June 30, 2024: OREO $ 3,057 $ — $ — $ 3,057 Bank properties held for sale 6,100 — — 6,100 Individually evaluated loans 80,620 — — 80,620 December 31, 2023: OREO $ 837 $ — $ — $ 837 Bank properties held for sale 12,401 — — 12,401 Individually evaluated loans 73,518 — — 73,518 For an individually evaluated loan, the fair value of collateral is measured based on appraisal or third-party valuation when the loan is placed on nonaccrual. For OREO and bank properties held for sale, the fair value is initially recorded based on external appraisals at the time of transfer. These assets recorded at fair value on a nonrecurring basis are updated on at least an annual basis. Quantitative Information about Level 3 Fair Value Measurement Weighted Average Discount June 30, December 31, Valuation Technique Unobservable Input 2024 2023 Nonrecurring measurements: Individually evaluated loans Discounted appraisals and discounted cash flows Collateral discounts 12 % 13 % OREO and Bank properties held for sale Discounted appraisals Collateral discounts and estimated costs to sell 7 % 12 % Fair Value of Financial Instruments We used the following methods and assumptions in estimating our fair value disclosures for financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those models are significantly affected by the assumptions used, including the discount rates and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument. The use of different methodologies may have a material effect on the estimated fair value amounts. The fair value estimates presented herein are based on pertinent information available to management as of June 30, 2024, and December 31, 2023. 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, 2023. The estimated fair value, and related carrying amount, of our financial instruments are as follows: Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 June 30, 2024 Financial assets: Cash and cash equivalents $ 1,117,166 $ 1,117,166 $ 1,117,166 $ — $ — Trading securities 92,161 92,161 — 92,161 — Investment securities 7,048,308 6,620,721 201,516 6,419,205 — Loans held for sale 100,007 100,007 — 100,007 — Loans, net of allowance for credit losses 32,762,266 31,609,083 — — 31,609,083 Accrued interest receivable 159,862 159,862 — 25,803 134,059 Mortgage servicing rights 88,904 88,904 — — 88,904 SBA servicing asset 6,307 6,307 — — 6,307 Interest rate swap – non-designated hedge 182,802 182,802 — 182,802 — Other derivative financial instruments (mortgage banking related) 2,234 2,234 — 2,234 — Financial liabilities: Deposits Noninterest-bearing 10,374,464 10,374,464 — 10,374,464 — Interest-bearing other than time deposits 22,144,872 22,144,872 — 22,144,872 — Time deposits 4,579,066 4,540,610 — 4,540,610 — Federal funds purchased and securities sold under agreements to repurchase 542,403 542,403 — 542,403 — Corporate and subordinated debentures 391,719 385,136 — 385,136 — Other borrowings 300,000 300,000 — 300,000 — Accrued interest payable 55,343 55,343 — 55,343 — Interest rate swap – non-designated hedge 955,347 955,347 — 955,347 — Other derivative financial instruments (mortgage banking related) — — — — — December 31, 2023 Financial assets: Cash and cash equivalents $ 998,877 $ 998,877 $ 998,877 $ — $ — Trading securities 31,321 31,321 — 31,321 — Investment securities 7,463,871 7,061,167 192,043 6,869,124 — Loans held for sale 50,888 50,888 — 50,888 — Loans, net of allowance for credit losses 31,931,916 30,709,513 — — 30,709,513 Accrued interest receivable 154,400 154,400 — 26,706 127,694 Mortgage servicing rights 85,164 85,164 — — 85,164 SBA servicing asset 5,952 5,952 — — 5,952 Interest rate swap – non-designated hedge 169,180 169,180 — 169,180 — Other derivative financial instruments (mortgage banking related) 3,759 3,759 — 3,759 — Financial liabilities: Deposits Noninterest-bearing 10,649,274 10,649,274 — 10,649,274 — Interest-bearing other than time deposits 22,149,682 22,149,682 — 22,149,682 — Time deposits 4,249,953 4,208,498 — 4,208,498 — Federal funds purchased and securities sold under agreements to repurchase 489,185 489,185 — 489,185 — Corporate and subordinated debentures 391,904 388,909 — 388,909 — Other borrowings 100,000 100,000 — 100,000 — Accrued interest payable 56,808 56,808 — 56,808 — Interest rate swap – non-designated hedge 803,539 803,539 — 803,539 — Other derivative financial instruments (mortgage banking related) 947 947 — 947 —

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	6 Months Ended
Accumulated Other Comprehensive Income (Loss)	Jun. 30, 2024
Accumulated Other Comprehensive Income (Loss)
Accumulated Other Comprehensive Income (Loss)	Note 15 — Accumulated Other Comprehensive Income (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 June 30, 2024 Balance at March 31, 2024 $ 627 $ (623,621) $ (622,994) Other comprehensive income before reclassifications — 2,783 2,783 Net comprehensive income — 2,783 2,783 Balance at June 30, 2024 $ 627 $ (620,838) $ (620,211) Three Months Ended June 30, 2023 Balance at March 31, 2023 $ (673) $ (613,111) $ (613,784) Other comprehensive loss before reclassifications — (48,614) (48,614) Net comprehensive loss — (48,614) (48,614) Balance at June 30, 2023 $ (673) $ (661,725) $ (662,398) Six Months Ended June 30, 2024 Balance at December 31, 2023 $ 627 $ (583,163) $ (582,536) Other comprehensive loss before reclassifications — (37,675) (37,675) Net comprehensive loss — (37,675) (37,675) Balance at June 30, 2024 $ 627 $ (620,838) $ (620,211) Six Months Ended June 30, 2023 Balance at December 31, 2022 $ (673) $ (676,415) $ (677,088) Other comprehensive income before reclassifications — 14,723 14,723 Amounts reclassified from accumulated other comprehensive loss — (33) (33) Net comprehensive income — 14,690 14,690 Balance at June 30, 2023 $ (673) $ (661,725) $ (662,398) Amount Reclassified from Accumulated Other Comprehensive Income (Loss) (Dollars in thousands) For the Three Months Ended June 30, For the Six Months Ended June 30, Accumulated Other Comprehensive Income (Loss) Component 2024 2023 2024 2023 Income Statement Line Item Affected Gains on sales of available for sale securities: $ — $ — $ — $ (45) Securities gains, net — — — 12 Provision for income taxes — — — (33) Net income Total reclassifications for the period $ — $ — $ — $ (33)

Derivative Financial Instrument

Derivative Financial Instruments	6 Months Ended
Derivative Financial Instruments	Jun. 30, 2024
Derivative Financial Instruments
Derivative Financial Instruments	Note 16 — Derivative Financial Instruments The Company uses certain derivative instruments to meet the needs of customers as well as to manage the interest rate risk associated with certain transactions. The following table summarizes the derivative financial instruments used by the Company: June 30, 2024 December 31, 2023 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 $ 9,011 $ 393 $ — $ 9,188 $ 220 $ — Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other Assets and Other Liabilities 11,830,647 33,645 955,347 11,327,419 60,145 803,539 Matched interest rate swaps with counterparty (1) Other Assets 11,732,649 148,765 — 11,235,952 108,820 — Economic hedges of interest rate risk: Pay floating rate swap with counterparty Other Assets 1,716,000 (1) — 1,660,000 (5) — Not designated hedges of interest rate risk – mortgage banking activities: Contracts used to hedge mortgage servicing rights Other Assets 122,000 500 — 142,000 2,605 — Contracts used to hedge mortgage pipeline Other Assets and Other Liabilities 153,500 1,734 — 77,500 1,154 947 Total derivatives $ 25,563,807 $ 185,036 $ 955,347 $ 24,452,059 $ 172,939 $ 804,486 (1) The fair value of the interest rate swap derivative assets was reduced by $774.0 million in variation margin payments applicable to swaps centrally cleared through LCH and CME. Balance Sheet Fair Value Hedge As of June 30, 2024, and December 31, 2023, the Company maintained loan swaps, with an aggregate notional amount of $9.0 million and $9.2 million, respectively, accounted for as fair value hedges. The amortized cost basis of the loans being hedged were 31, 2023. 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 customers’ 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. The variation margin settlement payment and the related derivative instruments fair value are considered a single unit of account for accounting and financial reporting purposes. Depending on the net position of the swaps with LCH and CME, the fair value, net of the variation margin, is reported in Derivative Assets or Derivative Liabilities on the Consolidated Balance Sheets. In addition, the expense or income attributable to the variation margin for the centrally cleared swaps with LCH and CME is reported in Noninterest Income, specifically within Correspondent and Capital Markets Income. The daily settlement of the derivative exposure does not change or reset the contractual terms of the instrument. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. As of June 30, 2024, and December 31, 2023, the interest rate swaps had an aggregate notional amount of approximately billion, respectively. At June 30, 2024, the fair value of the interest rate swap derivatives is recorded in Other Assets at million. The fair value of derivative assets at June 30, 2024, was reduced by million in variation margin payments applicable to swaps centrally cleared through LCH and CME. At December 31, 2023, the fair value of the interest rate swap derivatives was recorded in Other Assets at million. The fair value of derivative assets at December 31, 2023, 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 Income. There was a net gain of recorded on these derivatives for the three and six months ended June 30, 2024, respectively. There was a net loss of million of cash collateral on the customer swaps, 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 customer swaps which is included in Investment Securities – available for sale on the Consolidated Balance Sheets. 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 June 30, 2024, the Company maintained an aggregate notional amount of $1.7 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 Income. There was a net loss of for these derivatives for the three and six months ended June 30, 2024. There was a net loss of for these derivatives for the year ended December 31, 2023. 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. If there were foreign currency contracts outstanding at June 30, 2024, 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 Income in Mortgage Banking Income. Mortgage Servicing Rights (“MSRs”) Derivatives contracts related to MSRs are used to help offset changes in fair value and are written in amounts referred to as notional amounts. Notional amounts provide a basis for calculating payments between counterparties but do not represent amounts to be exchanged between the parties and are not a measure of financial risk. On June 30, 2024, we had derivative financial instruments outstanding with notional amounts totaling 31, 2023. The estimated net fair value of the open contracts related to the MSRs was recorded as a gain of Mortgage Pipeline The following table presents our notional value of forward sale commitments and the fair value of those obligations along with the fair value of the mortgage pipeline related to the held for sale portfolio: (Dollars in thousands) June 30, 2024 December 31, 2023 Mortgage loan pipeline $ 122,560 $ 65,051 Expected closures 107,901 54,993 Fair value of mortgage loan pipeline commitments 1,621 1,154 Forward sales commitments 153,500 77,500 Fair value of forward commitments 113 (947)

Capital Ratios

Capital Ratios	6 Months Ended
Capital Ratios	Jun. 30, 2024
Capital Ratios
Capital Ratios	Note 17 — 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 required 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, 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 consists of an additional amount of Tier 1 common equity equal to The Bank is also subject to the regulatory framework for prompt corrective action, which identifies five capital categories for insured depository institutions (well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized) and is based on specified thresholds for each of the three risk-based regulatory capital ratios (CET1, Tier 1 capital and total capital) and for the leverage ratio. The following table presents actual and required capital ratios as of June 30, 2024, and December 31, 2023, for the Company and the Bank under the current capital rules. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations. Required to be Minimum Capital Considered Well Actual Required – Basel III Capitalized (Dollars in thousands) Amount Ratio Capital Amount Ratio Capital Amount Ratio June 30, 2024: Common equity Tier 1 to risk-weighted assets: Consolidated $ 4,310,341 12.08 % $ 2,498,327 7.00 % $ 2,319,875 6.50 % SouthState Bank (the Bank) 4,595,267 12.89 % 2,495,283 7.00 % 2,317,048 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 4,310,341 12.08 % 3,033,683 8.50 % 2,855,231 8.00 % SouthState Bank (the Bank) 4,595,267 12.89 % 3,029,986 8.50 % 2,851,752 8.00 % Total capital to risk-weighted assets: Consolidated 5,149,924 14.43 % 3,747,490 10.50 % 3,569,038 10.00 % SouthState Bank (the Bank) 5,044,736 14.15 % 3,742,924 10.50 % 3,564,690 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 4,310,341 9.72 % 1,774,222 4.00 % 2,217,778 5.00 % SouthState Bank (the Bank) 4,595,267 10.36 % 1,773,701 4.00 % 2,217,126 5.00 % December 31, 2023: Common equity Tier 1 to risk-weighted assets: Consolidated $ 4,159,187 11.75 % $ 2,476,926 7.00 % $ 2,300,003 6.50 % SouthState Bank (the Bank) 4,424,466 12.52 % 2,473,961 7.00 % 2,297,250 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 4,159,187 11.75 % 3,007,696 8.50 % 2,830,773 8.00 % SouthState Bank (the Bank) 4,424,466 12.52 % 3,004,096 8.50 % 2,827,384 8.00 % Total capital to risk-weighted assets: Consolidated 4,983,012 14.08 % 3,715,389 10.50 % 3,538,466 10.00 % SouthState Bank (the Bank) 4,858,292 13.75 % 3,710,942 10.50 % 3,534,230 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 4,159,187 9.42 % 1,765,295 4.00 % 2,206,619 5.00 % SouthState Bank (the Bank) 4,424,466 10.03 % 1,764,736 4.00 % 2,205,921 5.00 % As of June 30, 2024, and December 31, 2023, 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. With the implementation of ASU 2016-13 in January 2020, the Company recorded additional allowance for credit losses for loans of $54.4 million, deferred tax assets of $12.6 million, an additional reserve for unfunded commitments of $6.4 million and an adjustment to retained earnings of $44.8 million. Instead of recognizing the effects from ASU 2016-13 at adoption, the standard included a transitional method option for recognizing the adoption date effects on the Company’s regulatory capital calculations over a three-year phase-in. In March 2020, in response to the COVID-19 pandemic, the regulatory agencies provided an additional transitional method option of a two-year deferral for the start of the three-year phase-in of the recognition of the adoption date effects of ASU 2016-13 along with an option to defer the current impact on regulatory capital calculations of ASU 2016-13 during the first two years (“5-year method”). Under this 5-year method, the Company would recognize an estimate of the previous incurred loss method for determining the allowance for credit losses in regulatory capital calculations and the difference from the CECL method would be deferred for two years. After two years, the effects from adoption date and the deferral difference from the first two years of applying CECL would be phased-in over three years using the straight-line method. The regulatory rules provided a one-time opportunity at the end of the first quarter of 2020 for covered banking organizations to choose its transition option for CECL. The Company chose the 5-year method and is deferring the recognition of the effects from adoption date and the CECL difference from the first two years of application. This amount was fixed as of December 31, 2021, and that amount began the three-year phase out in the first quarter of 2022 with .

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	6 Months Ended
Goodwill and Other Intangible Assets	Jun. 30, 2024
Goodwill and Other Intangible Assets
Goodwill and Other Intangible Assets	Note 18 — Goodwill and Other Intangible Assets The carrying amount of goodwill was $1.9 billion at June 30, 2024, and December 31, 2023. 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, 2023, and determined there was no impairment of the Company’s goodwill. Management continues to monitor the impact of market conditions on the Company’s business, operating results, cash flows and/or financial condition The following is a summary of gross carrying amounts and accumulated amortization of other intangible assets: June 30, December 31, (Dollars in thousands) 2024 2023 Gross carrying amount $ 275,108 $ 274,753 Accumulated amortization (197,719) (185,977) $ 77,389 $ 88,776 Amortization expense totaled $5.7 million and $11.7 million, for the three and six months ended June 30, 2024, compared to $7.0 million and $14.3 million for the three and six months ended June 30, 2023. 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 applies 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 excludes the SBA servicing asset from the future amortization expense table presented below. The fair value of the SBA servicing asset was $6.3 million and $6.0 million, respectively, at June 30, 2024, and December 31, 2023. The fair value of the SBA servicing asset is included in Core Deposit and Other Intangibles on the Consolidated Balance Sheets. Estimated amortization expense for other intangibles for each of the next five quarters is as follows: (Dollars in thousands) Quarter ending: September 30, 2024 $ 5,327 December 31, 2024 5,326 March 31, 2025 5,100 June 30, 2025 4,836 September 30, 2025 4,419 Thereafter 46,074 $ 71,082

Mortgage Loan Servicing, Origin

Mortgage Loan Servicing, Origination, and Loans Held for Sale	6 Months Ended
	Jun. 30, 2024
Mortgage Loan Servicing, Origination, and Loans Held for Sale
Mortgage Loan Servicing, Origination, and Loans Held for Sale	Note 19 — 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 $6.7 billion and $6.6 billion, respectively, as of June 30, 2024, and December 31, 2023. Servicing loans for others generally consists of collecting mortgage payments, maintaining escrow accounts and disbursing payments to investors. The amounts of contractually specified servicing fees we earned during the three and six months ended June 30, 2024, and June 30, 2023, were million, respectively. Servicing fees are recorded in Mortgage Banking Income in our Consolidated Statements of Income. At June 30, 2024, and December 31, 2023, MSRs were $88.9 million and $85.2 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 Income. The market value adjustments related to MSRs recorded in Mortgage Banking Income for the three and six months ended June 30, 2024 and June 30, 2023 were gains of , 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 14 — Fair Value for the changes in fair value of MSRs. The following table presents the changes in the fair value of the MSR and offsetting hedge. Three Months Ended Six Months Ended (Dollars in thousands) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Increase in fair value of MSRs $ 830 $ 1,977 $ 3,214 $ 688 Decay of MSRs (2,566) (2,385) (4,007) (3,793) Loss related to derivatives (1,424) (2,264) (4,004) (2,119) Net effect on Consolidated Statements of Income $ (3,160) $ (2,672) $ (4,797) $ (5,224) 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 14 — Fair Value for additional information regarding fair value. The characteristics and sensitivity analysis of the MSRs are included in the following table: June 30, December 31, (Dollars in thousands) 2024 2023 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 8.02 years 8.03 years Constant Prepayment rate (CPR) 7.0 % 7.0 % Estimated impact on fair value of a 10% increase $ (504) $ (522) Estimated impact on fair value of a 20% increase (1,022) (1,014) Estimated impact on fair value of a 10% decrease 504 551 Estimated impact on fair value of a 20% decrease 1,018 1,128 Weighted average discount rate 10.9 % 10.7 % Estimated impact on fair value of a 10% increase $ (3,081) $ (3,270) Estimated impact on fair value of a 20% increase (6,173) (6,458) Estimated impact on fair value of a 10% decrease 2,938 3,242 Estimated impact on fair value of a 20% decrease 5,550 6,283 Effect on fair value due to change in interest rates 25 basis point increase $ 1,621 $ 1,647 50 basis point increase 3,078 3,189 25 basis point decrease (1,758) (1,723) 50 basis point decrease (3,623) (3,501) The sensitivity calculations above are hypothetical and should not be considered to be predictive of future performance. Changes in fair value based on changes in assumptions generally cannot be extrapolated because the relationship of the change in assumption to the change in fair value may not be linear. Also, the effect of a variation in a particular assumption on the fair value of the residential MSRs is calculated without changing any other assumption, while in reality changes in one factor may result in changes in another, which may either magnify or counteract the effect of the change. The derivative instruments utilized by the Company would serve to reduce the estimated impacts to fair value included in the table above. Whole loan sales were $282.6 million and $505.3 million for the three and six months ended June 30, 2024, compared to $249.3 million and $408.7 million for the three and six months ended June 30, 2023. For the three and six months ended June 30, 2024, 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, 2023. The Company is obligated to subsequently repurchase a loan if such representation or warranty violation is identified by the purchaser. The aggregated principal balances of loans repurchased for the six months ended June 30, 2024, and 2023 were approximately respectively. There were approximately in loss reimbursement and settlement claims paid in the six months ended June 30, 2024. There were Loans held for sale have historically been comprised of residential mortgage loans awaiting sale in the secondary market, which generally settle in 15 to 45 days . Loans held for sale were 31, 2023, respectively. Please see Note 14 — Fair Value, under the “Fair Value Option”, section in this Quarterly Report on Form 10-Q for summary of the fair value and the unpaid principal balance of loans held for sale and the changes in fair value of these loans.

Short-Term Borrowings

Short-Term Borrowings	6 Months Ended
Short-Term Borrowings	Jun. 30, 2024
Short-Term Borrowings
Short-Term Borrowings	Note 20 — 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 Securities Sold Under Agreements to Repurchase on the Consolidated Balance Sheets. At June 30, 2024, and December 31, 2023, our repurchase agreements totaled million, respectively. All of our repurchase agreements were overnight or continuous (until-further-notice) agreements at June 30, 2024, and December 31, 2023. These borrowings were collateralized with government, government-sponsored enterprise, or state and political subdivision-issued securities with a carrying value of 31, 2023, respectively. Declines in the value of the collateral would require us to increase the amounts of securities pledged. Federal Funds Purchased Federal funds purchased are generally overnight daily borrowings with no defined maturity date. At June 30, 2024, and December 31, 2023, our federal funds purchased totaled Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”) Borrowing The Company has from time-to-time entered into borrowing agreements with the FHLB and FRB. Borrowings under these agreements are collateralized by stock in the FHLB, qualifying first and second mortgage residential loans, investment securities, and commercial real estate loans under a blanket-floating lien. As of June 30, 2024, and December 31, 2023, the Company had $300.0 and $100.0 million, respectively, of outstanding FHLB borrowings. Net eligible loans of the Company pledged via a blanket lien to the FHLB for advances and letters of credit at June 30, 2024, were approximately million). This allows the Company a total borrowing capacity at the FHLB of approximately billion. After accounting for letters of credit totaling billion at June 30, 2024. The Company also has a total borrowing capacity at the FRB of June 30, 2024 billion) in net eligible loans of the Company. The Company had

Stock Repurchase Program

Stock Repurchase Program	6 Months Ended
Stock Repurchase Program	Jun. 30, 2024
Stock Repurchase Program
Stock Repurchase Program	Note 21 — 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 not repurchase any shares pursuant to the 2022 Stock Repurchase Program during the second quarter of 2024. During the six months ended June 30, 2024, the Company repurchased a total of per share. During 2023, the Company repurchased a total of The Company repurchased 97,363 and 98,093 shares at a cost of $8.1 million and $7.0 million, respectively, during the six months ended June 30, 2024, and 2023 under other arrangements whereby directors or officers surrender shares to the Company to cover the option cost for stock option exercises or tax liabilities resulting from the vesting of restricted stock awards or restricted stock units .

Investments in Qualified Afford

Investments in Qualified Affordable Housing Projects	6 Months Ended
Investments in Qualified Affordable Housing Projects	Jun. 30, 2024
Investments in Qualified Affordable Housing Projects
Investments in Qualified Affordable Housing Projects	Note 22 — Investments in Qualified Affordable Housing Projects The Company has investments in qualified affordable housing projects (“QAHPs”) that provide low-income housing tax credits (“LIHTC”) and operating loss benefits over an extended period. Effective January 1, 2024, the Company adopted ASU No. 2023-02 and began to apply the proportional amortization method of accounting for its QAHPs. Prior to the adoption of ASU No. 2023-02, the Company applied the equity method of accounting for its QAHPs. For the three and six months ended June 30, 2024, the Company recorded on its Consolidated Statement of Income. For the three and six months ended June 30, 2023, the Company recorded on the Consolidated Statement of Income. At June 30, 2024, and December 31, 2023, the Company’s carrying value of QAHPs was on the Consolidated Balance Sheet. The Company had 31, 2023, respectively. For the remaining funding obligations at June 30, 2024, approximately are expected to be funded by 2026. For more information on the adoption of ASU 2023-02, refer to Recent Accounting and Regulatory Pronouncements under Note 3 — Recent Accounting and Regulatory Pronouncements.

Subsequent Events

Subsequent Events	6 Months Ended
Subsequent Events	Jun. 30, 2024
Subsequent Events
Subsequent Events	Note 23 — Subsequent Events On July 24, 2024, the Company announced that the Board of Directors of the Company increased its quarterly cash dividend on its common stock from $0.52 per share to $0.54 per share. The dividend is payable on August 16, 2024, to shareholders of record as of August 9, 2024.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Pay vs Performance Disclosure
Net Income (Loss)	$ 132,370	$ 123,447	$ 247,426	$ 263,373

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Jun. 30, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	6 Months Ended
Summary of Significant Accounting Policies (Policies)	Jun. 30, 2024
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 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. A loan is evaluated individually for loss when it is on nonaccrual and has a net book balance over $1 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	Allowance for Credit Losses (“ACL”) – Investment Securities Management monitors the held to maturity securities 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 the ACL is calculated is disclosed in Note 1 — Summary of Significant Accounting Policies, under the “ACL – Investment Securities” section, of our Annual Report for the year ended December 31, 2023. As of June 30, 2024, and December 31, 2023, the Company had $2.4 The Company follows its nonaccrual policy by reversing interest income in the income statement when the Company determines the interest for held to maturity securities is uncollectible. Therefore, management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the investment securities and does not record an allowance for credit losses on accrued interest receivable. As of June 30, 2024, and December 31, 2023, 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 estimates the allowance balance using relevant available information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. Historical credit loss experience provides the basis for the estimation of expected credit losses. Adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, credit quality, or term, as well as for changes in macroeconomic conditions, such as changes in unemployment rates, gross domestic product, property values, or other relevant factors. The Company’s estimate of its ACL involves a high degree of judgment; therefore, management’s process for determining expected losses may result in a range of expected losses. The Company’s ACL recorded in the balance sheet reflects management’s best estimate within the range of expected losses. The Company recognizes in net income the amount needed to adjust the ACL for management’s current estimate of expected losses. The Company generally uses an eight-quarter forecast period, based on a single forecast scenario or a blend of multiple forecast scenarios, using variables management believes are most relevant to each portfolio segment. For periods beyond which management is able to develop reasonable and supportable forecasts, the Company reverts to the average historical loss rate, reflecting historical default probabilities and loss severities, using a reversion speed that approximates four quarters. The forecast period and scenarios used are reviewed on a quarterly basis and may be adjusted based on management's view of the current economic conditions and level of predictability the forecast can provide. While quantitative allowance methodologies strive to reflect all risk factors, any estimate involves assumptions and uncertainties resulting in some level of imprecision. Imprecision exists in the estimation process due to the inherent time lag between obtaining information, performing the calculation, as well as variations between estimates and actual outcomes. As a result, amounts determined under the methodologies described above are adjusted by management to consider the potential impact of other qualitative factors not captured in the quantitative model adjustments which include, but are not limited to, the following: imprecision or conditions not captured in economic scenario assumptions, emerging risks related to either changes in the internal or external environment that are affecting specific portfolios, trends in loan or portfolio level credit metrics not captured in quantitative modeling, or model imprecision adjustments. The consideration of these items results in adjustments to allowance amounts included in the Company’s allowance for credit losses for each loan portfolio. The Company’s ACL is calculated using collectively evaluated and individually evaluated loans. Even though portions of the allowance may be allocated to specific loans or pools of loans, the entire allowance is available for any credit that, in management’s judgment, should be charged off. 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. 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. 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. 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 Income. The non-credit discount or premium is accreted or amortized, respectively, into interest income over the remaining life of the PCD loan on a level-yield basis. The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Therefore, management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the portfolio and does not record an allowance for credit losses on accrued interest receivable. As of June 30, 2024, and December 31, 2023, 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 internal historical data to estimate the percentage of unfunded loan commitments that will ultimately be funded to calculate the reserve for unfunded commitments. management applies this funding rate, along with the loss factor rate determined for each pooled loan segment, to unfunded loan commitments, excluding unconditionally cancellable exposures and letters of credit, to arrive at the reserve for unfunded loan commitments. As of June 30, 2024, and December 31, 2023, 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.

Investment Securities (Tables)

Investment Securities (Tables)	6 Months Ended
Investment Securities (Tables)	Jun. 30, 2024
Investment Securities
Schedule of amortized cost and fair value of investment securities held to maturity	Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value June 30, 2024: U.S. Government agencies $ 147,270 $ — $ (24,781) $ 122,489 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,370,142 — (243,434) 1,126,708 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 428,468 — (73,856) 354,612 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 351,181 — (74,117) 277,064 Small Business Administration loan-backed securities 51,467 — (11,399) 40,068 $ 2,348,528 $ — $ (427,587) $ 1,920,941 December 31, 2023: U.S. Government agencies $ 197,267 $ — $ (24,607) $ 172,660 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,438,102 — (227,312) 1,210,790 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 444,883 — (68,139) 376,744 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 354,055 — (71,327) 282,728 Small Business Administration loan-backed securities 53,133 — (11,319) 41,814 $ 2,487,440 $ — $ (402,704) $ 2,084,736
Schedule of amortized cost and fair value of investment securities available for sale	Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value June 30, 2024: U.S. Treasuries $ 38,098 $ — $ (153) $ 37,945 U.S. Government agencies 216,148 — (21,025) 195,123 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,735,232 125 (286,429) 1,448,928 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 592,712 5 (102,173) 490,544 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,207,592 595 (199,225) 1,008,962 State and municipal obligations 1,124,430 1 (171,729) 952,702 Small Business Administration loan-backed securities 379,899 64 (43,221) 336,742 Corporate securities 30,509 — (3,191) 27,318 $ 5,324,620 $ 790 $ (827,146) $ 4,498,264 December 31, 2023: U.S. Treasuries $ 74,720 $ — $ (830) $ 73,890 U.S. Government agencies 246,089 — (21,383) 224,706 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,822,104 294 (264,092) 1,558,306 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 626,735 — (99,313) 527,422 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,217,125 1,516 (194,471) 1,024,170 State and municipal obligations 1,129,750 2 (152,291) 977,461 Small Business Administration loan-backed securities 413,950 86 (42,350) 371,686 Corporate securities 30,533 — (3,786) 26,747 $ 5,561,006 $ 1,898 $ (778,516) $ 4,784,388
Schedule of amortized cost and carrying value of other investment securities	Carrying (Dollars in thousands) Value June 30, 2024: Federal Home Loan Bank stock $ 32,336 Federal Reserve Bank stock 150,261 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 15,356 $ 201,516 December 31, 2023: Federal Home Loan Bank stock $ 22,836 Federal Reserve Bank stock 150,261 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 15,383 $ 192,043
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 $ 14,365 $ 14,057 $ 143,274 $ 141,624 Due after one year through five years 36,511 32,483 306,612 285,442 Due after five years through ten years 456,439 389,368 1,239,040 1,063,459 Due after ten years 1,841,213 1,485,033 3,635,694 3,007,739 $ 2,348,528 $ 1,920,941 $ 5,324,620 $ 4,498,264
Schedule of securities with gross unrealized losses, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position	Less Than Twelve Months Twelve Months or More Gross Unrealized Fair Gross Unrealized Fair (Dollars in thousands) Losses Value Losses Value June 30, 2024: Securities Held to Maturity U.S. Government agencies $ — $ — $ 24,781 $ 122,489 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 243,434 1,126,708 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises — — 73,856 354,612 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 74,117 277,064 Small Business Administration loan-backed securities — — 11,399 40,068 $ — $ — $ 427,587 $ 1,920,941 Securities Available for Sale U.S. Treasuries (1) $ — $ 10,834 $ 153 $ 24,815 U.S. Government agencies — — 21,025 195,123 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 136 8,848 286,293 1,430,209 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises — — 102,173 489,387 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 106 16,816 199,119 920,215 State and municipal obligations 1,860 20,142 169,869 930,359 Small Business Administration loan-backed securities 2 704 43,219 317,384 Corporate securities 13 485 3,178 26,833 $ 2,117 $ 57,829 $ 825,029 $ 4,334,325 December 31, 2023: Securities Held to Maturity U.S. Government agencies $ — $ — $ 24,607 $ 172,660 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 227,312 1,210,790 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises — — 68,139 376,745 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises — — 71,327 282,728 Small Business Administration loan-backed securities — — 11,319 41,814 $ — $ — $ 402,704 $ 2,084,737 Securities Available for Sale U.S. Treasuries $ — $ — $ 830 $ 73,890 U.S. Government agencies — — 21,383 224,706 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 122 9,358 263,970 1,539,208 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises — — 99,313 527,422 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 91 7,959 194,380 955,059 State and municipal obligations 177 6,340 152,114 967,305 Small Business Administration loan-backed securities 128 42,447 42,222 304,770 Corporate securities 18 480 3,768 26,267 $ 536 $ 66,584 $ 777,980 $ 4,618,627 (1) The U.S. Treasury securities in a continuous unrealized losses position for less than twelve months at June 30, 2024, had a combined gross unrealized loss total of less than $1,000 .
Schedule of trading securities	June 30, December 31, (Dollars in thousands) 2024 2023 U.S. Treasuries $ 20,500 $ — U.S. Government agencies 10,220 1,537 Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises 28,838 14,461 Other residential mortgage issued or guaranteed by U.S. government agencies or sponsored enterprises 1,865 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 2,782 — State and municipal obligations 26,134 14,620 Other debt securities 1,822 703 $ 92,161 $ 31,321
Summary of net losses on trading securities	Three Months Ended Six Months Ended June 30, June 30, (Dollars in thousands) 2024 2023 2024 2023 Net gains (losses) on sales transaction $ 170 $ 7 $ 224 $ (40) Net mark to mark losses (323) (195) (311) (201) Net losses on trading securities $ (153) $ (188) $ (87) $ (241)

Loans (Tables)

Loans (Tables)	6 Months Ended
Loans (Tables)	Jun. 30, 2024
Summary of Loans
Summary of loans	The following is a summary of total loans: June 30, December 31, (Dollars in thousands) 2024 2023 Loans: Construction and land development (1) $ 2,592,307 $ 2,923,514 Commercial non-owner-occupied 9,106,816 8,571,634 Commercial owner-occupied real estate 5,522,978 5,497,671 Consumer owner-occupied (2) 6,969,340 6,595,005 Home equity loans 1,471,384 1,398,445 Commercial and industrial 5,769,838 5,504,539 Other income producing property 624,957 656,334 Consumer 1,175,135 1,233,650 Other loans 1,809 7,697 Total loans 33,234,564 32,388,489 Less allowance for credit losses (472,298) (456,573) Loans, net $ 32,762,266 $ 31,931,916 (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 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 and for the period ending June 30, 2024 Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of June 30, 2024 2024 2023 2022 2021 2020 Prior Revolving Total Construction and land development Risk rating: Pass $ 125,752 $ 519,137 $ 1,100,600 $ 128,693 $ 10,082 $ 17,056 $ 48,633 $ 1,949,953 Special mention 733 1,682 30,311 48,402 — 341 — 81,469 Substandard 47 — 15,225 765 — 608 — 16,645 Doubtful — — — — 1 5 — 6 Total Construction and land development $ 126,532 $ 520,819 $ 1,146,136 $ 177,860 $ 10,083 $ 18,010 $ 48,633 $ 2,048,073 Construction and land development Current-period gross charge-offs $ — $ — $ — $ — $ 74 $ 2,088 $ — $ 2,162 Commercial non-owner-occupied Risk rating: Pass $ 346,456 $ 849,321 $ 2,566,851 $ 1,932,908 $ 620,771 $ 1,995,747 $ 96,578 $ 8,408,632 Special mention 247 17,986 54,393 92,173 8,646 12,503 92 186,040 Substandard 39,486 43,684 139,358 77,253 82,625 129,737 — 512,143 Doubtful — — — 1 — — — 1 Total Commercial non-owner-occupied $ 386,189 $ 910,991 $ 2,760,602 $ 2,102,335 $ 712,042 $ 2,137,987 $ 96,670 $ 9,106,816 Commercial non-owner-occupied Current-period gross charge-offs $ — $ — $ — $ 176 $ — $ 71 $ — $ 247 Commercial Owner-Occupied Risk rating: Pass $ 261,676 $ 574,218 $ 1,024,957 $ 1,044,146 $ 608,433 $ 1,622,413 $ 73,759 $ 5,209,602 Special mention 2,123 13,806 51,635 6,445 1,017 21,362 5,167 101,555 Substandard 10,043 27,888 35,338 36,984 21,518 71,331 8,708 211,810 Doubtful 4 3 — — — 4 — 11 Total commercial owner-occupied $ 273,846 $ 615,915 $ 1,111,930 $ 1,087,575 $ 630,968 $ 1,715,110 $ 87,634 $ 5,522,978 Commercial owner-occupied Current-period gross charge-offs $ — $ — $ — $ 91 $ 227 $ 75 $ — $ 393 Commercial and industrial Risk rating: Pass $ 1,150,687 $ 801,250 $ 999,002 $ 576,804 $ 331,704 $ 498,792 $ 1,160,020 $ 5,518,259 Special mention 1,782 2,765 6,856 1,624 678 4,605 22,173 40,483 Substandard 14,877 33,576 31,537 24,506 2,851 20,450 83,199 210,996 Doubtful — 6 24 62 1 3 4 100 Total commercial and industrial $ 1,167,346 $ 837,597 $ 1,037,419 $ 602,996 $ 335,234 $ 523,850 $ 1,265,396 $ 5,769,838 Commercial and industrial Current-period gross charge-offs $ 523 $ 941 $ 2,450 $ 290 $ 24 $ 2,852 $ 1,160 $ 8,240 Other income producing property Risk rating: Pass $ 24,165 $ 57,019 $ 121,434 $ 89,451 $ 48,566 $ 118,513 $ 38,353 $ 497,501 Special mention 139 507 220 1,002 785 2,253 183 5,089 Substandard 927 725 3,173 2,608 329 6,957 1,299 16,018 Doubtful — — — — — — — — Total other income producing property $ 25,231 $ 58,251 $ 124,827 $ 93,061 $ 49,680 $ 127,723 $ 39,835 $ 518,608 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer owner-occupied Risk rating: Pass $ 2,101 $ 18,493 $ 6,585 $ 3,920 $ 644 $ 712 $ 29,386 $ 61,841 Special mention 20 229 59 — 15 264 493 1,080 Substandard 1,075 — — — 5 177 — 1,257 Doubtful — — — — — 1 — 1 Total Consumer owner-occupied $ 3,196 $ 18,722 $ 6,644 $ 3,920 $ 664 $ 1,154 $ 29,879 $ 64,179 Consumer owner-occupied Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Other loans Risk rating: Pass $ 1,809 $ — $ — $ — $ — $ — $ — $ 1,809 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 1,809 $ — $ — $ — $ — $ — $ — $ 1,809 Other loans Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Commercial Loans Risk rating: Pass $ 1,912,646 $ 2,819,438 $ 5,819,429 $ 3,775,922 $ 1,620,200 $ 4,253,233 $ 1,446,729 $ 21,647,597 Special mention 5,044 36,975 143,474 149,646 11,141 41,328 28,108 415,716 Substandard 66,455 105,873 224,631 142,116 107,328 229,260 93,206 968,869 Doubtful 4 9 24 63 2 13 4 119 Total Commercial Loans $ 1,984,149 $ 2,962,295 $ 6,187,558 $ 4,067,747 $ 1,738,671 $ 4,523,834 $ 1,568,047 $ 23,032,301 Commercial Loans Current-period gross charge-offs $ 523 $ 941 $ 2,450 $ 557 $ 325 $ 5,086 $ 1,160 $ 11,042 The following table presents the credit risk profile by risk grade of commercial loans by origination year as of and for the period ending December 31, 2023: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Construction and land development Risk rating: Pass $ 480,860 $ 1,036,691 $ 503,433 $ 19,626 $ 5,585 $ 19,200 $ 49,191 $ 2,114,586 Special mention 1,683 35,790 2,922 — — 458 — 40,853 Substandard 390 46,311 765 — 4,285 767 — 52,518 Doubtful — — — 3 — 5 — 8 Total Construction and land development $ 482,933 $ 1,118,792 $ 507,120 $ 19,629 $ 9,870 $ 20,430 $ 49,191 $ 2,207,965 Construction and land development Current-period gross charge-offs $ — $ — $ — $ 204 $ — $ 2 $ — $ 206 Commercial non-owner-occupied Risk rating: Pass $ 759,501 $ 2,501,611 $ 1,878,889 $ 674,470 $ 706,794 $ 1,535,248 $ 104,698 $ 8,161,211 Special mention 3,376 38,854 19,899 10,044 9,872 12,976 93 95,114 Substandard 73,282 11,928 35,692 61,893 78,976 53,388 149 315,308 Doubtful — — 1 — — — — 1 Total Commercial non-owner-occupied $ 836,159 $ 2,552,393 $ 1,934,481 $ 746,407 $ 795,642 $ 1,601,612 $ 104,940 $ 8,571,634 Commercial non-owner-occupied Current-period gross charge-offs $ — $ — $ 51 $ — $ — $ 253 $ — $ 304 Commercial Owner-Occupied Risk rating: Pass $ 556,192 $ 1,015,236 $ 1,088,976 $ 635,694 $ 648,082 $ 1,176,796 $ 88,298 $ 5,209,274 Special mention 1,976 31,484 15,777 1,435 7,776 22,551 690 81,689 Substandard 24,240 37,922 26,810 26,308 20,310 63,220 7,890 206,700 Doubtful 3 — — 1 — 4 — 8 Total commercial owner-occupied $ 582,411 $ 1,084,642 $ 1,131,563 $ 663,438 $ 676,168 $ 1,262,571 $ 96,878 $ 5,497,671 Commercial owner-occupied Current-period gross charge-offs $ — $ 126 $ — $ — $ — $ — $ — $ 126 Commercial and industrial Risk rating: Pass $ 1,187,836 $ 1,140,702 $ 669,188 $ 367,668 $ 182,519 $ 413,271 $ 1,313,978 $ 5,275,162 Special mention 2,395 7,624 3,604 2,762 3,870 898 18,300 39,453 Substandard 26,780 29,515 23,423 4,001 5,472 15,226 85,409 189,826 Doubtful 2 11 68 1 — 13 3 98 Total commercial and industrial $ 1,217,013 $ 1,177,852 $ 696,283 $ 374,432 $ 191,861 $ 429,408 $ 1,417,690 $ 5,504,539 Commercial and industrial Current-period gross charge-offs $ 7,272 $ 3,171 $ 13,169 $ 429 $ 765 $ 1,637 $ 1,144 $ 27,587 Other income producing property Risk rating: Pass $ 58,012 $ 129,858 $ 96,743 $ 51,615 $ 40,988 $ 105,810 $ 39,701 $ 522,727 Special mention 517 266 347 69 288 2,296 203 3,986 Substandard 693 5,062 2,634 588 630 5,772 2,121 17,500 Doubtful — — — — — — — — Total other income producing property $ 59,222 $ 135,186 $ 99,724 $ 52,272 $ 41,906 $ 113,878 $ 42,025 $ 544,213 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer owner-occupied Risk rating: Pass $ 18,908 $ 4,509 $ 2,746 $ 1,293 $ 287 $ 315 $ 25,635 $ 53,693 Special mention 236 339 18 41 271 — — 905 Substandard 24 — — 927 1,560 182 150 2,843 Doubtful — — — — — 1 1 2 Total Consumer owner-occupied $ 19,168 $ 4,848 $ 2,764 $ 2,261 $ 2,118 $ 498 $ 25,786 $ 57,443 Consumer owner-occupied Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Other loans Risk rating: Pass $ 7,697 $ — $ — $ — $ — $ — $ — $ 7,697 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 7,697 $ — $ — $ — $ — $ — $ — $ 7,697 Other loans Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Commercial Loans Risk rating: Pass $ 3,069,006 $ 5,828,607 $ 4,239,975 $ 1,750,366 $ 1,584,255 $ 3,250,640 $ 1,621,501 $ 21,344,350 Special mention 10,183 114,357 42,567 14,351 22,077 39,179 19,286 262,000 Substandard 125,409 130,738 89,324 93,717 111,233 138,555 95,719 784,695 Doubtful 5 11 69 5 — 23 4 117 Total Commercial Loans $ 3,204,603 $ 6,073,713 $ 4,371,935 $ 1,858,439 $ 1,717,565 $ 3,428,397 $ 1,736,510 $ 22,391,162 Commercial Loans Current-period gross charge-offs $ 7,272 $ 3,297 $ 13,220 $ 633 $ 765 $ 1,892 $ 1,144 $ 28,223 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 and for the period ending June 30, 2024: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of June 30, 2024 2024 2023 2022 2021 2020 Prior Revolving Total Consumer owner-occupied Days past due: Current $ 351,049 $ 1,034,667 $ 2,262,299 $ 1,616,397 $ 601,949 $ 1,011,015 $ — $ 6,877,376 30 days past due 623 2,764 2,451 1,766 1,827 3,022 — 12,453 60 days past due — 2,115 1,799 975 109 1,033 — 6,031 90 days past due — 1,726 2,331 2,402 451 2,391 — 9,301 Total Consumer owner-occupied $ 351,672 $ 1,041,272 $ 2,268,880 $ 1,621,540 $ 604,336 $ 1,017,461 $ — $ 6,905,161 Consumer owner-occupied Current-period gross charge-offs $ — $ 136 $ 190 $ — $ 12 $ 41 $ — $ 379 Home equity loans Days past due: Current $ 4,762 $ 6,246 $ 4,585 $ 1,716 $ 1,495 $ 12,018 $ 1,432,868 $ 1,463,690 30 days past due 42 31 392 13 306 336 4,701 5,821 60 days past due — 35 8 — — 243 228 514 90 days past due — 98 228 36 208 522 267 1,359 Total Home equity loans $ 4,804 $ 6,410 $ 5,213 $ 1,765 $ 2,009 $ 13,119 $ 1,438,064 $ 1,471,384 Home equity loans Current-period gross charge-offs $ — $ — $ — $ — $ — $ 110 $ — $ 110 Consumer Days past due: Current $ 114,207 $ 256,547 $ 257,784 $ 115,322 $ 61,117 $ 178,244 $ 171,373 $ 1,154,594 30 days past due 37 130 319 129 4 1,087 8,428 10,134 60 days past due 4 92 289 156 8 655 5,101 6,305 90 days past due 1 681 272 22 128 1,087 1,911 4,102 Total consumer $ 114,249 $ 257,450 $ 258,664 $ 115,629 $ 61,257 $ 181,073 $ 186,813 $ 1,175,135 Consumer Current-period gross charge-offs $ 23 $ 771 $ 941 $ 135 $ 29 $ 279 $ 2,517 $ 4,695 Construction and land development Days past due: Current $ 22,626 $ 135,146 $ 284,726 $ 68,029 $ 14,886 $ 18,439 $ — $ 543,852 30 days past due — — — — — 45 — 45 60 days past due — — — — — — — — 90 days past due — — 320 — 1 16 — 337 Total Construction and land development $ 22,626 $ 135,146 $ 285,046 $ 68,029 $ 14,887 $ 18,500 $ — $ 544,234 Construction and land development Current-period gross charge-offs $ — $ — $ 304 $ — $ — $ — $ — $ 304 Other income producing property Days past due: Current $ 1,117 $ 6,106 $ 41,554 $ 17,367 $ 4,075 $ 35,549 $ 229 $ 105,997 30 days past due — — — — — 243 — 243 60 days past due — — — — — — — — 90 days past due — — — — — 109 — 109 Total other income producing property $ 1,117 $ 6,106 $ 41,554 $ 17,367 $ 4,075 $ 35,901 $ 229 $ 106,349 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Consumer Loans Days past due: Current $ 493,761 $ 1,438,712 $ 2,850,948 $ 1,818,831 $ 683,522 $ 1,255,265 $ 1,604,470 $ 10,145,509 30 days past due 702 2,925 3,162 1,908 2,137 4,733 13,129 28,696 60 days past due 4 2,242 2,096 1,131 117 1,931 5,329 12,850 90 days past due 1 2,505 3,151 2,460 788 4,125 2,178 15,208 Total Consumer Loans $ 494,468 $ 1,446,384 $ 2,859,357 $ 1,824,330 $ 686,564 $ 1,266,054 $ 1,625,106 $ 10,202,263 Consumer Loans Current-period gross charge-offs $ 23 $ 907 $ 1,435 $ 135 $ 41 $ 430 $ 2,517 $ 5,488 The following table presents total loans by origination year as of and for the period ending June 30, 2024: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of June 30, 2024 2024 2023 2022 2021 2020 Prior Revolving Total Total Loans $ 2,478,617 $ 4,408,679 $ 9,046,915 $ 5,892,077 $ 2,425,235 $ 5,789,888 $ 3,193,153 $ 33,234,564 Current-period gross charge-offs $ 546 $ 1,848 $ 3,885 $ 692 $ 366 $ 5,516 $ 3,677 $ 16,530 The following table presents the credit risk profile by past due status of consumer loans by origination year as of and for the period ending December 31, 2023: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Consumer owner-occupied Days past due: Current $ 1,019,956 $ 2,125,156 $ 1,641,518 $ 628,107 $ 288,304 $ 809,419 $ — $ 6,512,460 30 days past due 1,589 2,268 1,524 654 707 4,012 — 10,754 60 days past due — 766 528 680 — 813 — 2,787 90 days past due 1,280 2,538 1,089 1,689 315 4,650 — 11,561 Total Consumer owner-occupied $ 1,022,825 $ 2,130,728 $ 1,644,659 $ 631,130 $ 289,326 $ 818,894 $ — $ 6,537,562 Consumer owner-occupied Current-period gross charge-offs $ 68 $ 90 $ 27 $ — $ — $ 2 $ — $ 187 Home equity loans Days past due: Current $ 6,551 $ 6,454 $ 2,887 $ 1,396 $ 1,003 $ 11,518 $ 1,358,829 $ 1,388,638 30 days past due 60 — 132 21 44 539 5,860 6,656 60 days past due — — 12 104 — 458 1,268 1,842 90 days past due 117 — 27 194 1 672 298 1,309 Total Home equity loans $ 6,728 $ 6,454 $ 3,058 $ 1,715 $ 1,048 $ 13,187 $ 1,366,255 $ 1,398,445 Home equity loans Current-period gross charge-offs $ — $ — $ — $ 64 $ — $ 29 $ 84 $ 177 Consumer Days past due: Current $ 299,871 $ 305,283 $ 141,369 $ 75,213 $ 60,265 $ 143,725 $ 182,608 $ 1,208,334 30 days past due 443 321 247 142 137 1,384 10,757 13,431 60 days past due 64 254 152 4 4 973 6,420 7,871 90 days past due 93 395 174 196 110 1,108 1,938 4,014 Total consumer $ 300,471 $ 306,253 $ 141,942 $ 75,555 $ 60,516 $ 147,190 $ 201,723 $ 1,233,650 Consumer Current-period gross charge-offs $ 373 $ 1,586 $ 571 $ 280 $ 217 $ 537 $ 8,478 $ 12,042 Construction and land development Days past due: Current $ 135,739 $ 425,276 $ 111,205 $ 20,322 $ 8,555 $ 14,265 $ — $ 715,362 30 days past due — — — 111 — — — 111 60 days past due — — — — — — — — 90 days past due — — — 1 — 75 — 76 Total Construction and land development $ 135,739 $ 425,276 $ 111,205 $ 20,434 $ 8,555 $ 14,340 $ — $ 715,549 Construction and land development Current-period gross charge-offs $ — $ — $ — $ — $ — $ 19 $ — $ 19 Other income producing property Days past due: Current $ 6,310 $ 43,022 $ 18,536 $ 4,331 $ 2,537 $ 36,911 $ 280 $ 111,927 30 days past due — — — — — 67 — 67 60 days past due — — — — — — — — 90 days past due — — — — — 127 — 127 Total other income producing property $ 6,310 $ 43,022 $ 18,536 $ 4,331 $ 2,537 $ 37,105 $ 280 $ 112,121 Other income producing property Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Consumer Loans Days past due: Current $ 1,468,427 $ 2,905,191 $ 1,915,515 $ 729,369 $ 360,664 $ 1,015,838 $ 1,541,717 $ 9,936,721 30 days past due 2,092 2,589 1,903 928 888 6,002 16,617 31,019 60 days past due 64 1,020 692 788 4 2,244 7,688 12,500 90 days past due 1,490 2,933 1,290 2,080 426 6,632 2,236 17,087 Total Consumer Loans $ 1,472,073 $ 2,911,733 $ 1,919,400 $ 733,165 $ 361,982 $ 1,030,716 $ 1,568,258 $ 9,997,327 Consumer Loans Current-period gross charge-offs $ 441 $ 1,676 $ 598 $ 344 $ 217 $ 587 $ 8,562 $ 12,425 The following table presents total loans by origination year as of and for the period ending December 31, 2023: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Total Loans $ 4,676,676 $ 8,985,446 $ 6,291,335 $ 2,591,604 $ 2,079,547 $ 4,459,113 $ 3,304,768 $ 32,388,489 Current-period gross charge-offs $ 7,713 $ 4,973 $ 13,818 $ 977 $ 982 $ 2,479 $ 9,706 $ 40,648
Aging analysis of past due loans (includes nonaccrual loans), segregated by class of loans	30 - 59 Days 60 - 89 Days 90+ Days Total Non- Total (Dollars in thousands) Past Due Past Due Past Due Past Due Current Accruing Loans June 30, 2024 Construction and land development $ 46 $ — $ — $ 46 $ 2,590,977 $ 1,284 $ 2,592,307 Commercial non-owner-occupied 2,246 60 510 2,816 9,082,664 21,336 9,106,816 Commercial owner-occupied 4,863 1,237 475 6,575 5,462,683 53,720 5,522,978 Consumer owner-occupied 9,305 682 — 9,987 6,929,207 30,146 6,969,340 Home equity loans 4,354 458 — 4,812 1,459,643 6,929 1,471,384 Commercial and industrial 22,597 5,891 5,656 34,144 5,668,946 66,748 5,769,838 Other income producing property 578 65 118 761 621,043 3,153 624,957 Consumer 9,861 5,928 — 15,789 1,153,601 5,745 1,175,135 Other loans — — — — 1,809 — 1,809 $ 53,850 $ 14,321 $ 6,759 $ 74,930 $ 32,970,573 $ 189,061 $ 33,234,564 December 31, 2023 Construction and land development $ 624 $ — $ — $ 624 $ 2,921,457 $ 1,433 $ 2,923,514 Commercial non-owner-occupied 2,194 123 1,378 3,695 8,546,630 21,309 8,571,634 Commercial owner-occupied 3,852 1,141 988 5,981 5,446,803 44,887 5,497,671 Consumer owner-occupied 7,903 552 920 9,375 6,560,359 25,271 6,595,005 Home equity loans 6,500 1,326 — 7,826 1,385,687 4,932 1,398,445 Commercial and industrial 25,231 7,194 9,193 41,618 5,399,390 63,531 5,504,539 Other income producing property 569 570 — 1,139 651,993 3,202 656,334 Consumer 13,212 7,370 — 20,582 1,207,411 5,657 1,233,650 Other loans — — — — 7,697 — 7,697 $ 60,085 $ 18,276 $ 12,479 $ 90,840 $ 32,127,427 $ 170,222 $ 32,388,489
Summary of information pertaining to nonaccrual loans by class	June 30, Greater than Non-accrual December 31, (Dollars in thousands) 2024 90 Days Accruing (1) with no allowance (1) 2023 Construction and land development $ 1,284 $ — $ — $ 1,433 Commercial non-owner-occupied 21,336 510 17,825 21,309 Commercial owner-occupied real estate 53,720 475 24,550 44,887 Consumer owner-occupied 30,146 — — 25,271 Home equity loans 6,929 — 1,220 4,932 Commercial and industrial 66,748 5,656 26,035 63,531 Other income producing property 3,153 118 1,265 3,202 Consumer 5,745 — — 5,657 Total loans on nonaccrual status $ 189,061 $ 6,759 $ 70,895 $ 170,222 (1) Greater than 90 days accruing and non-accrual with no allowance loans at June 30, 2024.
Summary of collateral dependent loans, by type of collateral	The following is a summary of collateral dependent loans, by type of collateral, and the extent to which they are collateralized during the period: June 30, Collateral December 31, Collateral (Dollars in thousands) 2024 Coverage % 2023 Coverage % Commercial owner-occupied real estate Church $ 4,631 $ 12,700 274% $ 3,537 $ 6,705 190% Industrial 6,892 14,644 212% 7,172 15,273 213% Other 17,042 31,190 183% 12,231 23,747 194% Commercial non-owner-occupied real estate Retail — — 3,216 4,208 131% Other — — 12,607 29,182 231% Office 17,825 19,095 107% — — Commercial and industrial Other 41,054 61,548 150% 44,116 46,114 105% Other income producing property 1-4 family investment property 1,265 3,286 260% — — Home equity loans Residential 1-4 family dwelling 1,220 2,250 184% — — Total collateral dependent loans $ 89,929 $ 144,713 $ 82,879 $ 125,229
Schedule of restructured loans segregated by class and type of concession	Three Months Ended June 30, 2024 2023 Reduction in Weighted Reduction in Weighted Amortized % of Total Average Contractual Amortized % of Total Average Contractual (Dollars in thousands) Cost Asset Class Interest Rate Cost Asset Class Interest Rate Interest rate reduction Consumer owner-occupied $ 398 0.01% 1.15% $ — — — Total interest rate reductions $ 398 $ — Six Months Ended June 30, 2024 2023 Reduction in Weighted Reduction in Weighted Amortized % of Total Average Contractual Amortized % of Total Average Contractual (Dollars in thousands) Cost Asset Class Interest Rate Cost Asset Class Interest Rate Interest rate reduction Commercial owner-occupied real estate $ 1,321 0.02% 3.14% $ — — — Total interest rate reductions $ 1,321 $ — Three Months Ended June 30, 2024 2023 Increase in Increase in Amortized % of Total Weighted Average Amortized % of Total Weighted Average (Dollars in thousands) Cost Asset Class Life of Loan Cost Asset Class Life of Loan Term extension Construction and land development $ — — — $ 1,255 0.04% 24 months Commercial non-owner-occupied — — — 343 0.00% 60 months Commercial owner-occupied real estate 11,050 0.20% 32 months 7,732 0.14% 22 months Consumer owner-occupied 1,047 0.02% 3 months — — — Commercial and industrial 20,529 0.36% 37 months 1,787 0.03% 6 months Total term extensions $ 32,626 $ 11,117 Six Months Ended June 30, 2024 2023 Increase in Increase in Amortized % of Total Weighted Average Amortized % of Total Weighted Average (Dollars in thousands) Cost Asset Class Life of Loan Cost Asset Class Life of Loan Term extension Construction and land development $ — — — $ 1,512 0.05% 22 months Commercial non-owner-occupied — — — 343 0.00% 60 months Commercial owner-occupied real estate 11,050 0.20% 32 months 8,096 0.14% 22 months Consumer owner-occupied 1,047 0.02% 3 months 281 0.02% 6 months Home equity loans — — — — — — Commercial and industrial 20,529 0.36% 37 months 2,700 0.05% 7 months Total term extensions $ 32,626 $ 12,932 Three and Six Months Ended June 30, 2024 2023 Reduction in Weighted Increase in Reduction in Weighted Increase in Amortized Average Contractual Weighted Average Amortized Average Contractual Weighted Average (Dollars in thousands) Cost Interest Rate Life of Loan 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 twelve months to borrowers experiencing financial difficulty, as of June 30, 2024 and 2023, by type of modification. There were June 30, 2024 2023 Paying Under Paying Under Restructured Converted to Foreclosures Restructured Converted to Foreclosures Terms Nonaccrual and Defaults Terms Nonaccrual and Defaults Amortized Amortized Amortized Amortized Amortized Amortized (Dollars in thousands) Cost Cost Cost Cost Cost Cost Interest rate reduction Consumer owner-occupied $ 1,320 — — — — — Total interest rate reductions $ 1,320 $ — $ — $ — $ — $ — Term extension Construction and land development $ — $ — $ — $ 1,512 $ — $ — Commercial non-owner-occupied — — — 343 — — Commercial owner-occupied real estate 11,050 — — 8,096 — — Consumer owner-occupied 1,047 — — 540 — — Commercial and industrial 20,529 — — 2,700 — — Other income producing property — — — — — — Total term extensions $ 32,626 $ — $ — $ 13,191 $ — $ — $ 33,946 $ — $ — $ 13,191 $ — $ —
Non acquired credit impaired loans
Summary of Loans
Aging analysis of past due loans (includes nonaccrual loans), segregated by class of loans	June 30, 2024 June 30, 2023 Payment Status (Amortized Cost Basis) Payment Status (Amortized Cost Basis) 30-89 Days 90+ Days 30-89 Days 90+ Days (Dollars in thousands) Current Past Due Past Due Current Past Due Past Due Construction and land development $ — $ — $ — $ 1,512 $ — $ — Commercial non-owner-occupied — — — 343 — — Commercial owner-occupied real estate 11,050 — — 8,096 — — Consumer owner-occupied 1,445 922 — 540 — — Commercial and industrial 20,529 — — 2,700 — — Other income producing property — — — — — — Total $ 33,024 $ 922 $ — $ 13,191 $ — $ —

Allowance for Credit Losses (_2

Allowance for Credit Losses (ACL) (Tables)	6 Months Ended
Allowance for Credit Losses (ACL) (Tables)	Jun. 30, 2024
Allowance for Credit Losses (ACL)
Schedule of changes in allowance for loan losses	The following tables present a disaggregated analysis of activity in the allowance for credit losses. Residential Residential Residential Comm Constr. CRE Owner- Non-Owner- (Dollars in thousands) Mortgage Sr. Mortgage Jr. HELOC Construction & Dev. Consumer Multifamily Municipal Occupied Occupied CRE C & I Total Three Months Ended June 30, 2024 Allowance for credit losses: Balance at end of period March 31, 2024 $ 87,484 $ 1,230 $ 11,724 $ 4,552 $ 60,860 $ 23,353 $ 17,012 $ 876 $ 72,597 $ 134,698 $ 55,268 $ 469,654 Charge-offs (36) — — — (687) (2,198) — — (393) (176) (5,100) (8,590) Recoveries 92 50 277 15 144 825 41 — 408 89 2,424 4,365 Net (charge offs) recoveries 56 50 277 15 (543) (1,373) 41 — 15 (87) (2,676) (4,225) Provision (recovery) (1) (27,988) (852) 6,928 5,458 16,902 (9,752) 2,708 903 18,811 (35,596) 29,347 6,869 Balance at end of period June 30, 2024 $ 59,552 $ 428 $ 18,929 $ 10,025 $ 77,219 $ 12,228 $ 19,761 $ 1,779 $ 91,423 $ 99,015 $ 81,939 $ 472,298 Three Months Ended June 30, 2023 Allowance for credit losses: Balance at end of period March 31, 2023 $ 77,351 $ 349 $ 14,318 $ 9,176 $ 55,069 $ 23,319 $ 5,507 $ 879 $ 57,541 $ 82,473 $ 44,663 $ 370,645 Charge-offs (37) — — — (2) (3,017) — — (35) — (4,487) (7,578) Recoveries 302 3 532 22 198 520 — — 93 334 2,264 4,268 Net (charge offs) recoveries 265 3 532 22 196 (2,497) — — 58 334 (2,223) (3,310) Provision (recovery) (1) 3,853 40 (638) (329) 49 3,755 4,260 (134) 13,160 32,462 3,579 60,057 Balance at end of period June 30, 2023 $ 81,469 $ 392 $ 14,212 $ 8,869 $ 55,314 $ 24,577 $ 9,767 $ 745 $ 70,759 $ 115,269 $ 46,019 $ 427,392 (1) A negative provision for credit losses of ($3.0) million was recorded during the second quarter of 2024, compared to a negative provision for credit losses of ($21.7) million recorded during the second quarter of 2023 for the allowance for credit losses for unfunded commitments that is not included in the above table. Residential Residential Residential Comm Constr. CRE Owner- Non-Owner- (Dollars in thousands) Mortgage Sr. Mortgage Jr. HELOC Construction & Dev. Consumer Multifamily Municipal Occupied Occupied CRE C & I Total Six Months Ended June 30, 2024 Allowance for credit losses: Balance at end of period December 31, 2023 $ 78,052 $ 745 $ 10,942 $ 5,024 $ 65,772 $ 23,331 $ 13,766 $ 900 $ 71,580 $ 137,055 $ 49,406 $ 456,573 Charge-offs (379) — (110) (304) (2,162) (4,695) — — (393) (247) (8,240) (16,530) Recoveries 215 89 569 22 1,151 1,950 66 — 511 99 4,954 9,626 Net (charge offs) recoveries (164) 89 459 (282) (1,011) (2,745) 66 — 118 (148) (3,286) (6,904) Provision (benefit) (1) (18,336) (406) 7,528 5,283 12,458 (8,358) 5,929 879 19,725 (37,892) 35,819 22,629 Balance at end of period June 30, 2024 $ 59,552 $ 428 $ 18,929 $ 10,025 $ 77,219 $ 12,228 $ 19,761 $ 1,779 $ 91,423 $ 99,015 $ 81,939 $ 472,298 Six Months Ended June 30, 2023 Allowance for credit losses: Balance at end of period December 31, 2022 $ 72,188 $ 405 $ 14,886 $ 8,974 $ 45,410 $ 22,767 $ 3,684 $ 849 $ 58,083 $ 78,485 $ 50,713 $ 356,444 Charge-offs (39) — (39) — (2) (5,746) — — (35) (51) (6,293) (12,205) Recoveries 596 8 777 94 456 1,104 — — 386 440 3,996 7,857 Net recoveries (charge offs) 557 8 738 94 454 (4,642) — — 351 389 (2,297) (4,348) Provision (benefit) (1) 8,724 (21) (1,412) (199) 9,450 6,452 6,083 (104) 12,325 36,395 (2,397) 75,296 Balance at end of period June 30, 2023 $ 81,469 $ 392 $ 14,212 $ 8,869 $ 55,314 $ 24,577 $ 9,767 $ 745 $ 70,759 $ 115,269 $ 46,019 $ 427,392 (1) A negative provision for credit losses of ($6.1) million was recorded during the first six months of 2024, compared to a negative provision for credit losses of ($3.8) million during the first six months of 2023 for the allowance for credit losses for unfunded commitments that is not included in the above table .

Leases (Tables)

Leases (Tables)	6 Months Ended
Leases (Tables)	Jun. 30, 2024
Leases
Schedule of information pertaining to leases	Three Months Ended Six Months Ended June 30, June 30, (Dollars in thousands) 2024 2023 2024 2023 Lease Cost Components: Amortization of ROU assets – finance leases $ 117 $ 117 $ 233 $ 233 Interest on lease liabilities – finance leases 8 10 18 21 Operating lease cost (cost resulting from lease payments) 4,356 4,278 8,633 8,518 Short-term lease cost 184 109 323 215 Variable lease cost (cost excluded from lease payments) 956 840 1,753 1,475 Total lease cost $ 5,621 $ 5,354 $ 10,960 $ 10,462 Supplemental Cash Flow and Other Information Related to Leases: Finance lease – operating cash flows $ 8 $ 10 $ 18 $ 21 Finance lease – financing cash flows 119 110 238 220 Operating lease – operating cash flows (fixed payments) 4,220 4,154 8,413 8,250 Operating lease – operating cash flows (net change asset/liability) (3,300) (3,321) (6,667) (6,608) New ROU assets – operating leases 6,550 701 9,093 701 New ROU assets – finance leases — — — Weighted – average remaining lease term (years) – finance leases 3.93 3.93 4.93 Weighted – average remaining lease term (years) – operating leases 8.86 8.86 9.63 Weighted – average discount rate - finance leases 1.7% 1.7% 1.7% Weighted – average discount rate - operating leases 3.3% 3.3% 3.0% Operating lease payments due: 2024 (excluding 6 months ended June 30, 2024) $ 8,613 2025 16,374 2026 15,866 2027 14,693 2028 14,030 Thereafter 61,212 Total undiscounted cash flows 130,788 Discount on cash flows (18,947) Total operating lease liabilities $ 111,841
Schedule of lease receivables and investment in operating leases and their corresponding balance sheet location	June 30, December 31, (Dollars in thousands) 2024 2023 Direct financing leases: Lease receivables $ 16,997 $ 5,503 Unguaranteed residual values 2,837 501 Initial direct costs 505 155 Less: Unearned income (3,503) (1,165) Total net investment in direct financing leases $ 16,836 $ 4,994 Three Months Ended Six Months Ended June 30, June 30, 2024 2024 Direct financing lease income Interest income $ 229 $ 392 Remaining lease payments receivable: 2024 (excluding 6 months ended June 30, 2024) $ 1,755 2025 3,556 2026 3,556 2027 3,555 2028 2,505 Thereafter 2,070 Total undiscounted lease receivable 16,997 Less: unearned interest income (3,503) Net lease receivables $ 13,494

Deposits (Tables)

Deposits (Tables)	6 Months Ended
Deposits (Tables)	Jun. 30, 2024
Deposits
Schedule of total deposits	June 30, December 31, (Dollars in thousands) 2024 2023 Noninterest-bearing checking $ 10,374,464 $ 10,649,274 Interest-bearing checking 7,547,406 7,978,799 Savings 2,475,130 2,632,212 Money market 12,122,336 11,538,671 Time deposits 4,579,066 4,249,953 Total deposits $ 37,098,402 $ 37,048,909

Earnings Per Share (Tables)

Earnings Per Share (Tables)	6 Months Ended
Earnings Per Share (Tables)	Jun. 30, 2024
Earnings Per Share
Schedule of computation of basic and diluted earnings per common share	Three Months Ended Six Months Ended June 30, June 30, (Dollars and shares in thousands, except for per share amounts) 2024 2023 2024 2023 Basic earnings per common share: Net income $ 132,370 $ 123,447 $ 247,426 $ 263,373 Weighted-average basic common shares 76,251 76,058 76,276 75,981 Basic earnings per common share $ 1.74 $ 1.62 $ 3.24 $ 3.47 Diluted earnings per common share: Net income $ 132,370 $ 123,447 $ 247,426 $ 263,373 Weighted-average basic common shares 76,251 76,058 76,276 75,981 Effect of dilutive securities 356 360 354 413 Weighted-average dilutive shares 76,607 76,418 76,630 76,394 Diluted earnings per common share $ 1.73 $ 1.62 $ 3.23 $ 3.45
Schedule of anti-dilutive securities excluded from computation of diluted earnings per share	Three Months Ended June 30, Six Months Ended June 30, 2024 2023 2024 2023 Number of shares 57,169 58,247 57,169 57,169 Range of exercise prices $ 87.30 to $ 91.35 $ 69.48 to $ 91.35 $ 87.30 to $ 91.35 $ 87.30 to $ 91.35

Share-Based Compensation (Table

Share-Based Compensation (Tables)	6 Months Ended
Share-Based Compensation (Tables)	Jun. 30, 2024
Share-Based Compensation
Schedule of stock option activity	Weighted Weighted Average Aggregate Average Remaining Intrinsic Shares Price (Yrs.) (000’s) Outstanding at January 1, 2024 107,592 $ 72.60 Exercised (7,419) 59.30 Expired (29) 39.12 Outstanding at June 30, 2024 100,144 73.60 2.31 $ 1,123 Exercisable at June 30, 2024 100,144 73.60 2.31 $ 1,123
Summary of nonvested restricted stock	Weighted- Average Grant-Date Restricted Stock Shares Fair Value Nonvested at January 1, 2024 16,248 $ 88.63 Vested (10,187) 90.00 Forfeited (316) 90.00 Nonvested at June 30, 2024 5,745 $ 86.11
Summary of nonvested RSUs	Weighted- Average Grant-Date Restricted Stock Units Shares Fair Value Outstanding at January 1, 2024 873,048 $ 75.22 Granted 368,696 80.66 Vested (353,675) 77.51 Forfeited (10,762) 76.84 Outstanding at June 30, 2024 877,307 $ 76.56

Fair Value (Tables)

Fair Value (Tables)	6 Months Ended
Fair Value (Tables)	Jun. 30, 2024
Schedule of recorded amount of assets and liabilities measured at fair value on a recurring basis	Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) June 30, 2024: Assets Derivative financial instruments $ 185,036 $ — $ 185,036 $ — Loans held for sale 100,007 — 100,007 — Trading securities 92,161 — 92,161 — Securities available for sale: U.S. Treasuries 37,945 — 37,945 — U.S. Government agencies 195,123 — 195,123 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,448,928 — 1,448,928 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 490,544 — 490,544 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,008,962 — 1,008,962 — State and municipal obligations 952,702 — 952,702 — Small Business Administration loan-backed securities 336,742 — 336,742 — Corporate securities 27,318 — 27,318 — Total securities available for sale 4,498,264 — 4,498,264 — Mortgage servicing rights 88,904 — — 88,904 SBA servicing asset 6,307 — — 6,307 $ 4,970,679 $ — $ 4,875,468 $ 95,211 Liabilities Derivative financial instruments $ 955,347 $ — $ 955,347 $ — December 31, 2023: Assets Derivative financial instruments $ 172,939 $ — $ 172,939 $ — Loans held for sale 50,888 — 50,888 — Trading securities 31,321 — 31,321 — Securities available for sale: U.S. Treasuries 73,890 — 73,890 — U.S. Government agencies 224,706 — 224,706 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,558,306 — 1,558,306 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 527,422 — 527,422 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,024,170 — 1,024,170 — State and municipal obligations 977,461 — 977,461 — Small Business Administration loan-backed securities 371,686 — 371,686 — Corporate securities 26,747 — 26,747 — Total securities available for sale 4,784,388 — 4,784,388 — Mortgage servicing rights 85,164 — — 85,164 SBA servicing asset 5,952 — — 5,952 $ 5,130,652 $ — $ 5,039,536 $ 91,116 Liabilities Derivative financial instruments $ 804,486 $ — $ 804,486 $ —
Schedule of mortgage loans held for sale	June 30, December 31, (Dollars in thousands) 2024 2023 Fair value $ 100,007 $ 50,888 Unpaid principal balance 97,136 49,025 Fair value less aggregated unpaid principal balance $ 2,871 $ 1,863 Three Months Ended June 30, Six Months Ended June 30, (Dollars in thousands) 2024 2023 2024 2023 Income Statement Location Mortgage loans held for sale $ 1,152 $ 75 $ 1,008 $ 66 Mortgage banking income
Schedule of amounts of assets and liabilities measured at fair value on a nonrecurring basis	Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) June 30, 2024: OREO $ 3,057 $ — $ — $ 3,057 Bank properties held for sale 6,100 — — 6,100 Individually evaluated loans 80,620 — — 80,620 December 31, 2023: OREO $ 837 $ — $ — $ 837 Bank properties held for sale 12,401 — — 12,401 Individually evaluated loans 73,518 — — 73,518
Schedule of quantitative information about level 3 fair value measurements	Weighted Average Discount June 30, December 31, Valuation Technique Unobservable Input 2024 2023 Nonrecurring measurements: Individually evaluated loans Discounted appraisals and discounted cash flows Collateral discounts 12 % 13 % OREO and Bank properties held for sale Discounted appraisals Collateral discounts and estimated costs to sell 7 % 12 %
Schedule of estimated fair value, and related carrying amount, of the Company's financial instruments	Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 June 30, 2024 Financial assets: Cash and cash equivalents $ 1,117,166 $ 1,117,166 $ 1,117,166 $ — $ — Trading securities 92,161 92,161 — 92,161 — Investment securities 7,048,308 6,620,721 201,516 6,419,205 — Loans held for sale 100,007 100,007 — 100,007 — Loans, net of allowance for credit losses 32,762,266 31,609,083 — — 31,609,083 Accrued interest receivable 159,862 159,862 — 25,803 134,059 Mortgage servicing rights 88,904 88,904 — — 88,904 SBA servicing asset 6,307 6,307 — — 6,307 Interest rate swap – non-designated hedge 182,802 182,802 — 182,802 — Other derivative financial instruments (mortgage banking related) 2,234 2,234 — 2,234 — Financial liabilities: Deposits Noninterest-bearing 10,374,464 10,374,464 — 10,374,464 — Interest-bearing other than time deposits 22,144,872 22,144,872 — 22,144,872 — Time deposits 4,579,066 4,540,610 — 4,540,610 — Federal funds purchased and securities sold under agreements to repurchase 542,403 542,403 — 542,403 — Corporate and subordinated debentures 391,719 385,136 — 385,136 — Other borrowings 300,000 300,000 — 300,000 — Accrued interest payable 55,343 55,343 — 55,343 — Interest rate swap – non-designated hedge 955,347 955,347 — 955,347 — Other derivative financial instruments (mortgage banking related) — — — — — December 31, 2023 Financial assets: Cash and cash equivalents $ 998,877 $ 998,877 $ 998,877 $ — $ — Trading securities 31,321 31,321 — 31,321 — Investment securities 7,463,871 7,061,167 192,043 6,869,124 — Loans held for sale 50,888 50,888 — 50,888 — Loans, net of allowance for credit losses 31,931,916 30,709,513 — — 30,709,513 Accrued interest receivable 154,400 154,400 — 26,706 127,694 Mortgage servicing rights 85,164 85,164 — — 85,164 SBA servicing asset 5,952 5,952 — — 5,952 Interest rate swap – non-designated hedge 169,180 169,180 — 169,180 — Other derivative financial instruments (mortgage banking related) 3,759 3,759 — 3,759 — Financial liabilities: Deposits Noninterest-bearing 10,649,274 10,649,274 — 10,649,274 — Interest-bearing other than time deposits 22,149,682 22,149,682 — 22,149,682 — Time deposits 4,249,953 4,208,498 — 4,208,498 — Federal funds purchased and securities sold under agreements to repurchase 489,185 489,185 — 489,185 — Corporate and subordinated debentures 391,904 388,909 — 388,909 — Other borrowings 100,000 100,000 — 100,000 — Accrued interest payable 56,808 56,808 — 56,808 — Interest rate swap – non-designated hedge 803,539 803,539 — 803,539 — Other derivative financial instruments (mortgage banking related) 947 947 — 947 —
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, 2024 $ 85,164 Servicing assets that resulted from transfers of financial assets 4,533 Changes in fair value due to valuation inputs or assumptions 3,214 Changes in fair value due to decay (4,007) Fair value, June 30, 2024 $ 88,904
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, 2024 $ 5,952 Servicing assets that resulted from transfers of financial assets 1,113 Changes in fair value due to decay (956) Changes in fair value due to valuation inputs or assumptions 198 Fair value, June 30, 2024 $ 6,307

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	6 Months Ended
Accumulated Other Comprehensive Income (Loss) (Tables)	Jun. 30, 2024
Accumulated Other Comprehensive Income (Loss)
Schedule of components of accumulated other comprehensive (loss) income, net of tax	Unrealized Losses Benefit on Securities (Dollars in thousands) Plans Available for Sale Total Three Months Ended June 30, 2024 Balance at March 31, 2024 $ 627 $ (623,621) $ (622,994) Other comprehensive income before reclassifications — 2,783 2,783 Net comprehensive income — 2,783 2,783 Balance at June 30, 2024 $ 627 $ (620,838) $ (620,211) Three Months Ended June 30, 2023 Balance at March 31, 2023 $ (673) $ (613,111) $ (613,784) Other comprehensive loss before reclassifications — (48,614) (48,614) Net comprehensive loss — (48,614) (48,614) Balance at June 30, 2023 $ (673) $ (661,725) $ (662,398) Six Months Ended June 30, 2024 Balance at December 31, 2023 $ 627 $ (583,163) $ (582,536) Other comprehensive loss before reclassifications — (37,675) (37,675) Net comprehensive loss — (37,675) (37,675) Balance at June 30, 2024 $ 627 $ (620,838) $ (620,211) Six Months Ended June 30, 2023 Balance at December 31, 2022 $ (673) $ (676,415) $ (677,088) Other comprehensive income before reclassifications — 14,723 14,723 Amounts reclassified from accumulated other comprehensive loss — (33) (33) Net comprehensive income — 14,690 14,690 Balance at June 30, 2023 $ (673) $ (661,725) $ (662,398)
Schedule of reclassifications out of accumulated other comprehensive income, net of tax	Amount Reclassified from Accumulated Other Comprehensive Income (Loss) (Dollars in thousands) For the Three Months Ended June 30, For the Six Months Ended June 30, Accumulated Other Comprehensive Income (Loss) Component 2024 2023 2024 2023 Income Statement Line Item Affected Gains on sales of available for sale securities: $ — $ — $ — $ (45) Securities gains, net — — — 12 Provision for income taxes — — — (33) Net income Total reclassifications for the period $ — $ — $ — $ (33)

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	6 Months Ended
Derivative Financial Instruments (Tables)	Jun. 30, 2024
Derivative Financial Instruments
Derivative financial instruments summary	June 30, 2024 December 31, 2023 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 $ 9,011 $ 393 $ — $ 9,188 $ 220 $ — Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other Assets and Other Liabilities 11,830,647 33,645 955,347 11,327,419 60,145 803,539 Matched interest rate swaps with counterparty (1) Other Assets 11,732,649 148,765 — 11,235,952 108,820 — Economic hedges of interest rate risk: Pay floating rate swap with counterparty Other Assets 1,716,000 (1) — 1,660,000 (5) — Not designated hedges of interest rate risk – mortgage banking activities: Contracts used to hedge mortgage servicing rights Other Assets 122,000 500 — 142,000 2,605 — Contracts used to hedge mortgage pipeline Other Assets and Other Liabilities 153,500 1,734 — 77,500 1,154 947 Total derivatives $ 25,563,807 $ 185,036 $ 955,347 $ 24,452,059 $ 172,939 $ 804,486 (1) The fair value of the interest rate swap derivative assets was reduced by $774.0 million 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) June 30, 2024 December 31, 2023 Mortgage loan pipeline $ 122,560 $ 65,051 Expected closures 107,901 54,993 Fair value of mortgage loan pipeline commitments 1,621 1,154 Forward sales commitments 153,500 77,500 Fair value of forward commitments 113 (947)

Capital Ratios (Tables)

Capital Ratios (Tables)	6 Months Ended
Capital Ratios (Tables)	Jun. 30, 2024
Capital Ratios
Schedule of actual and required capital ratios	Required to be Minimum Capital Considered Well Actual Required – Basel III Capitalized (Dollars in thousands) Amount Ratio Capital Amount Ratio Capital Amount Ratio June 30, 2024: Common equity Tier 1 to risk-weighted assets: Consolidated $ 4,310,341 12.08 % $ 2,498,327 7.00 % $ 2,319,875 6.50 % SouthState Bank (the Bank) 4,595,267 12.89 % 2,495,283 7.00 % 2,317,048 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 4,310,341 12.08 % 3,033,683 8.50 % 2,855,231 8.00 % SouthState Bank (the Bank) 4,595,267 12.89 % 3,029,986 8.50 % 2,851,752 8.00 % Total capital to risk-weighted assets: Consolidated 5,149,924 14.43 % 3,747,490 10.50 % 3,569,038 10.00 % SouthState Bank (the Bank) 5,044,736 14.15 % 3,742,924 10.50 % 3,564,690 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 4,310,341 9.72 % 1,774,222 4.00 % 2,217,778 5.00 % SouthState Bank (the Bank) 4,595,267 10.36 % 1,773,701 4.00 % 2,217,126 5.00 % December 31, 2023: Common equity Tier 1 to risk-weighted assets: Consolidated $ 4,159,187 11.75 % $ 2,476,926 7.00 % $ 2,300,003 6.50 % SouthState Bank (the Bank) 4,424,466 12.52 % 2,473,961 7.00 % 2,297,250 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 4,159,187 11.75 % 3,007,696 8.50 % 2,830,773 8.00 % SouthState Bank (the Bank) 4,424,466 12.52 % 3,004,096 8.50 % 2,827,384 8.00 % Total capital to risk-weighted assets: Consolidated 4,983,012 14.08 % 3,715,389 10.50 % 3,538,466 10.00 % SouthState Bank (the Bank) 4,858,292 13.75 % 3,710,942 10.50 % 3,534,230 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 4,159,187 9.42 % 1,765,295 4.00 % 2,206,619 5.00 % SouthState Bank (the Bank) 4,424,466 10.03 % 1,764,736 4.00 % 2,205,921 5.00 %

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	6 Months Ended
Goodwill and Other Intangible Assets (Tables)	Jun. 30, 2024
Goodwill and Other Intangible Assets
Summary of gross carrying amounts and accumulated amortization of other intangible assets	June 30, December 31, (Dollars in thousands) 2024 2023 Gross carrying amount $ 275,108 $ 274,753 Accumulated amortization (197,719) (185,977) $ 77,389 $ 88,776
Schedule of estimated amortization expense for other intangibles for each of the next five quarters	(Dollars in thousands) Quarter ending: September 30, 2024 $ 5,327 December 31, 2024 5,326 March 31, 2025 5,100 June 30, 2025 4,836 September 30, 2025 4,419 Thereafter 46,074 $ 71,082

Mortgage Loan Servicing, Orig_2

Mortgage Loan Servicing, Origination, and Loans Held for Sale (Tables)	6 Months Ended
	Jun. 30, 2024
Mortgage Loan Servicing, Origination, and Loans Held for Sale
Summary of changes in the fair value of MSRs and its offsetting hedge	Three Months Ended Six Months Ended (Dollars in thousands) June 30, 2024 June 30, 2023 June 30, 2024 June 30, 2023 Increase in fair value of MSRs $ 830 $ 1,977 $ 3,214 $ 688 Decay of MSRs (2,566) (2,385) (4,007) (3,793) Loss related to derivatives (1,424) (2,264) (4,004) (2,119) Net effect on Consolidated Statements of Income $ (3,160) $ (2,672) $ (4,797) $ (5,224)
Schedule of characteristics and sensitivity analysis of the MSR	The characteristics and sensitivity analysis of the MSRs are included in the following table: June 30, December 31, (Dollars in thousands) 2024 2023 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 8.02 years 8.03 years Constant Prepayment rate (CPR) 7.0 % 7.0 % Estimated impact on fair value of a 10% increase $ (504) $ (522) Estimated impact on fair value of a 20% increase (1,022) (1,014) Estimated impact on fair value of a 10% decrease 504 551 Estimated impact on fair value of a 20% decrease 1,018 1,128 Weighted average discount rate 10.9 % 10.7 % Estimated impact on fair value of a 10% increase $ (3,081) $ (3,270) Estimated impact on fair value of a 20% increase (6,173) (6,458) Estimated impact on fair value of a 10% decrease 2,938 3,242 Estimated impact on fair value of a 20% decrease 5,550 6,283 Effect on fair value due to change in interest rates 25 basis point increase $ 1,621 $ 1,647 50 basis point increase 3,078 3,189 25 basis point decrease (1,758) (1,723) 50 basis point decrease (3,623) (3,501)

Summary of Significant Accoun_3

Summary of Significant Accounting Policies - Loans (Details) $ in Millions	Jun. 30, 2024 USD ($)
Summary of Significant Accounting Policies
Net book balance	$ 1

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Allowance for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Investment Securities - Held to Maturity	$ 2,348,528	$ 2,487,440
Accrued interest receivable (AIR)	$ 132,700	$ 127,000
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other Assets.	Other Assets.
Net book balance	$ 1,000
Liability recorded for expected credit losses on unfunded commitments	$ 50,200
Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Reasonable and supportable forecast period	1 year
Maximum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Reasonable and supportable forecast period	2 years
Other Assets
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Accrued interest receivable for investment securities	$ 25,800	$ 26,500
Other Liabilities
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Liability recorded for expected credit losses on unfunded commitments	$ 50,200	$ 56,300

Recent Accounting and Regulat_2

Recent Accounting and Regulatory Pronouncements - ASU 2023-02 (Details) - USD ($) $ in Thousands	Jan. 01, 2024	Jun. 30, 2024	Dec. 31, 2023
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Retained earnings		$ 1,841,933	$ 1,685,166
Adjustment for ASU
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Retained earnings			$ 9,400
Additional reduction to retained earnings for deferred taxes	$ 836,000

Mergers and Acquisitions - Inde

Mergers and Acquisitions - Independent (Details) $ in Billions	May 20, 2024	Jun. 30, 2024 USD ($)
Mergers and Acquisitions
Total assets		$ 18.4
Loans		14.6
Deposits		$ 15.8
Atlantic Capital
Mergers and Acquisitions
Shares of the common stock in exchange for each share	0.60

Investment Securities - Amortiz

Investment Securities - Amortized cost and fair value for available for sale securities (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Investment securities held-to-maturity
Amortized cost	$ 2,348,528	$ 2,487,440
Gross Unrealized Losses	(427,587)	(402,704)
Fair Value	1,920,941	2,084,736
Investment securities available for sale
Amortized cost	5,324,620	5,561,006
Gross Unrealized Gains	790	1,898
Gross Unrealized Losses	(827,146)	(778,516)
Fair Value	4,498,264	4,784,388
U.S. Treasuries
Investment securities available for sale
Amortized cost	38,098	74,720
Gross Unrealized Losses	(153)	(830)
Fair Value	37,945	73,890
U.S. Government agencies
Investment securities held-to-maturity
Amortized cost	147,270	197,267
Gross Unrealized Losses	(24,781)	(24,607)
Fair Value	122,489	172,660
Investment securities available for sale
Amortized cost	216,148	246,089
Gross Unrealized Losses	(21,025)	(21,383)
Fair Value	195,123	224,706
Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Investment securities held-to-maturity
Amortized cost	1,370,142	1,438,102
Gross Unrealized Losses	(243,434)	(227,312)
Fair Value	1,126,708	1,210,790
Investment securities available for sale
Amortized cost	1,735,232	1,822,104
Gross Unrealized Gains	125	294
Gross Unrealized Losses	(286,429)	(264,092)
Fair Value	1,448,928	1,558,306
Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises
Investment securities held-to-maturity
Amortized cost	428,468	444,883
Gross Unrealized Losses	(73,856)	(68,139)
Fair Value	354,612	376,744
Investment securities available for sale
Amortized cost	592,712	626,735
Gross Unrealized Gains	5
Gross Unrealized Losses	(102,173)	(99,313)
Fair Value	490,544	527,422
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Investment securities held-to-maturity
Amortized cost	351,181	354,055
Gross Unrealized Losses	(74,117)	(71,327)
Fair Value	277,064	282,728
Investment securities available for sale
Amortized cost	1,207,592	1,217,125
Gross Unrealized Gains	595	1,516
Gross Unrealized Losses	(199,225)	(194,471)
Fair Value	1,008,962	1,024,170
State and municipal obligations
Investment securities available for sale
Amortized cost	1,124,430	1,129,750
Gross Unrealized Gains	1	2
Gross Unrealized Losses	(171,729)	(152,291)
Fair Value	952,702	977,461
Small Business Administration loan-backed securities
Investment securities held-to-maturity
Amortized cost	51,467	53,133
Gross Unrealized Losses	(11,399)	(11,319)
Fair Value	40,068	41,814
Investment securities available for sale
Amortized cost	379,899	413,950
Gross Unrealized Gains	64	86
Gross Unrealized Losses	(43,221)	(42,350)
Fair Value	336,742	371,686
Corporate securities
Investment securities available for sale
Amortized cost	30,509	30,533
Gross Unrealized Losses	(3,191)	(3,786)
Fair Value	$ 27,318	$ 26,747

Investment Securities - Carryin

Investment Securities - Carrying value of other investment securities (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Other investment securities
Carrying Value	$ 201,516	$ 192,043
Federal Home Loan Bank stock
Other investment securities
Carrying Value	32,336	22,836
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	$ 15,356	$ 15,383

Investment Securities - Amort_2

Investment Securities - Amortized cost and fair value by contractual maturity (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Amortized Cost
Due in one year or less	$ 14,365,000		$ 14,365,000
Due after one year through five years	36,511,000		36,511,000
Due after five years through ten years	456,439,000		456,439,000
Due after ten years	1,841,213,000		1,841,213,000
Total	2,348,528,000		2,348,528,000		$ 2,487,440,000
Fair Value
Due in one year or less	14,057,000		14,057,000
Due after one year through five years	32,483,000		32,483,000
Due after five years through ten years	389,368,000		389,368,000
Due after ten years	1,485,033,000		1,485,033,000
Fair Value	1,920,941,000		1,920,941,000		2,084,736,000
Amortized Cost
Due in one year or less	143,274,000		143,274,000
Due after one year through five years	306,612,000		306,612,000
Due after five years through ten years	1,239,040,000		1,239,040,000
Due after ten years	3,635,694,000		3,635,694,000
Amortized Cost	5,324,620,000		5,324,620,000		5,561,006,000
Fair Value
Due in one year or less	141,624,000		141,624,000
Due after one year through five years	285,442,000		285,442,000
Due after five years through ten years	1,063,459,000		1,063,459,000
Due after ten years	3,007,739,000		3,007,739,000
Fair Value	4,498,264,000		4,498,264,000		$ 4,784,388,000
Information with respect to sales of held-to-maturity
Proceeds from sales of investment securities held to maturity	0	$ 0	0	$ 0
Information with respect to sales of available-for-sale securities
Gross gains		1,300,000
Gross losses				(1,300,000)
Sold securities	0		0
Realized gains or losses	$ 0	$ 45,000	$ 0	$ 45,000

Investment Securities - Securit

Investment Securities - Securities with gross unrealized losses (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Securities Held to Maturity, Gross Unrealized Losses
Twelve Months or More	$ 427,587	$ 402,704
Securities Held to Maturity, Fair Value
Twelve Months or More	1,920,941	2,084,737
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	2,117	536
Twelve Months or More	825,029	777,980
Securities Available for Sale, Fair Value
Less Than Twelve Months	57,829	66,584
Twelve Months or More	4,334,325	4,618,627
U.S. Treasuries
Securities Available for Sale, Gross Unrealized Losses
Twelve Months or More	153	830
Securities Available for Sale, Fair Value
Less Than Twelve Months	10,834
Twelve Months or More	24,815	73,890
U.S. Treasuries \| Maximum
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	1
U.S. Government agencies
Securities Held to Maturity, Gross Unrealized Losses
Twelve Months or More	24,781	24,607
Securities Held to Maturity, Fair Value
Twelve Months or More	122,489	172,660
Securities Available for Sale, Gross Unrealized Losses
Twelve Months or More	21,025	21,383
Securities Available for Sale, Fair Value
Twelve Months or More	195,123	224,706
Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Securities Held to Maturity, Gross Unrealized Losses
Twelve Months or More	243,434	227,312
Securities Held to Maturity, Fair Value
Twelve Months or More	1,126,708	1,210,790
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	136	122
Twelve Months or More	286,293	263,970
Securities Available for Sale, Fair Value
Less Than Twelve Months	8,848	9,358
Twelve Months or More	1,430,209	1,539,208
Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises
Securities Held to Maturity, Gross Unrealized Losses
Twelve Months or More	73,856	68,139
Securities Held to Maturity, Fair Value
Twelve Months or More	354,612	376,745
Securities Available for Sale, Gross Unrealized Losses
Twelve Months or More	102,173	99,313
Securities Available for Sale, Fair Value
Twelve Months or More	489,387	527,422
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Securities Held to Maturity, Gross Unrealized Losses
Twelve Months or More	74,117	71,327
Securities Held to Maturity, Fair Value
Twelve Months or More	277,064	282,728
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	106	91
Twelve Months or More	199,119	194,380
Securities Available for Sale, Fair Value
Less Than Twelve Months	16,816	7,959
Twelve Months or More	920,215	955,059
State and municipal obligations
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	1,860	177
Twelve Months or More	169,869	152,114
Securities Available for Sale, Fair Value
Less Than Twelve Months	20,142	6,340
Twelve Months or More	930,359	967,305
Small Business Administration loan-backed securities
Securities Held to Maturity, Gross Unrealized Losses
Twelve Months or More	11,399	11,319
Securities Held to Maturity, Fair Value
Twelve Months or More	40,068	41,814
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	2	128
Twelve Months or More	43,219	42,222
Securities Available for Sale, Fair Value
Less Than Twelve Months	704	42,447
Twelve Months or More	317,384	304,770
Corporate securities
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	13	18
Twelve Months or More	3,178	3,768
Securities Available for Sale, Fair Value
Less Than Twelve Months	485	480
Twelve Months or More	$ 26,833	$ 26,267

Investment Securities - Additio

Investment Securities - Additional Information (Details) - USD ($)	6 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Additional disclosures
Carrying amount of the securities pledged to collateralize repurchase agreements	$ 7,048,308,000	$ 7,463,871,000
Other investment securities	0
Asset Pledged as Collateral
Additional disclosures
Investment securities market value	2,300,000,000	3,000,000,000
Carrying value of public fund deposits	2,500,000,000	3,200,000,000
Asset Pledged as Collateral \| Public Funds Deposits
Additional disclosures
Carrying value of public fund deposits	2,200,000,000	2,400,000,000
Asset Pledged as Collateral \| FHLB Advances
Additional disclosures
Carrying value of public fund deposits	196,700,000	729,400,000
Asset Pledged as Collateral \| Interest rate swap
Additional disclosures
Carrying value of public fund deposits	$ 108,000,000	$ 115,000,000

Investment Securities - Trading

Investment Securities - Trading Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Investment Securities
Trading securities	$ 92,161	$ 31,321
U.S. Treasuries
Investment Securities
Trading securities	20,500
U.S. Government agencies
Investment Securities
Trading securities	10,220	1,537
Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Investment Securities
Trading securities	28,838	14,461
Other residential mortgage issued or guaranteed by U.S. government agencies or sponsored enterprises
Investment Securities
Trading securities	1,865
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Investment Securities
Trading securities	2,782
State and municipal obligations
Investment Securities
Trading securities	26,134	14,620
Other debt securities
Investment Securities
Trading securities	$ 1,822	$ 703

Investment Securities - Net los

Investment Securities - Net losses on trading securities (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Investment Securities
Net gains (losses) on sales transaction	$ 170	$ 7	$ 224	$ (40)
Net mark to mark losses	(323)	(195)	(311)	(201)
Net losses on trading securities	$ (153)	$ (188)	$ (87)	$ (241)

Loans - Summary of loans (Detai

Loans - Summary of loans (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022
Summary of Loans
Total loans	$ 33,234,564		$ 32,388,489
Less allowance for credit losses	(472,298)	$ (469,654)	(456,573)	$ (427,392)	$ (370,645)	$ (356,444)
Loans, net	32,762,266		31,931,916
Deferred costs	77,800		68,000
Unamortized Discounts	42,700		51,300
Accrued interest receivable (AIR)	$ 132,700		$ 127,000
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	$ 2,592,307		$ 2,923,514
Consumer Owner-Occupied Loans
Summary of Loans
Total loans	6,969,340		6,595,005
Home equity loans
Summary of Loans
Total loans	1,471,384		1,398,445
Commercial and industrial
Summary of Loans
Total loans	5,769,838		5,504,539
Other income producing property
Summary of Loans
Total loans	624,957		656,334
Consumer loans
Summary of Loans
Total loans	1,175,135		1,233,650
Other loans
Summary of Loans
Total loans	1,809		7,697
Commercial loans
Summary of Loans
Total loans	23,032,301		22,391,162
Commercial loans \| Construction and land development
Summary of Loans
Total loans	2,048,073		2,207,965
Commercial loans \| Commercial non-owner occupied
Summary of Loans
Total loans	9,106,816		8,571,634
Commercial loans \| Commercial non-owner occupied real estate
Summary of Loans
Total loans	5,522,978		5,497,671
Commercial loans \| Consumer Owner-Occupied Loans
Summary of Loans
Total loans	64,179		57,443
Commercial loans \| Commercial and industrial
Summary of Loans
Total loans	5,769,838		5,504,539
Commercial loans \| Other income producing property
Summary of Loans
Total loans	518,608		544,213
Commercial loans \| Other loans
Summary of Loans
Total loans	1,809		7,697
Consumer loans
Summary of Loans
Total loans	10,202,263		9,997,327
Consumer loans \| Construction and land development
Summary of Loans
Total loans	544,234		715,549
Consumer loans \| Consumer Owner-Occupied Loans
Summary of Loans
Total loans	6,905,161		6,537,562
Consumer loans \| Home equity loans
Summary of Loans
Total loans	1,471,384		1,398,445
Consumer loans \| Other income producing property
Summary of Loans
Total loans	106,349		112,121
Consumer loans \| Consumer loans
Summary of Loans
Total loans	$ 1,175,135		$ 1,233,650

Loans - Credit risk profile by

Loans - Credit risk profile by risk grade of commercial and consumer loans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Loans
Amortized Cost Basis by Origination Year - 2024/2023	$ 2,478,617		$ 2,478,617		$ 4,676,676
Amortized Cost Basis by Origination Year - 2023/2022	4,408,679		4,408,679		8,985,446
Amortized Cost Basis by Origination Year - 2022/2021	9,046,915		9,046,915		6,291,335
Amortized Cost Basis by Origination Year - 2021/2020	5,892,077		5,892,077		2,591,604
Amortized Cost Basis by Origination Year - 2020/2019	2,425,235		2,425,235		2,079,547
Amortized Cost Basis by Origination Year - Prior	5,789,888		5,789,888		4,459,113
Amortized Cost Basis by Origination Year - Revolving	3,193,153		3,193,153		3,304,768
Total loans	33,234,564		33,234,564		32,388,489
Current-period gross charge-offs - 2024/2023			546		7,713
Current-period gross charge-offs - 2023/2022			1,848		4,973
Current-period gross charge-offs - 2022/2021			3,885		13,818
Current-period gross charge-offs - 2021/2020			692		977
Current-period gross charge-offs - 2020/2019			366		982
Current-period gross charge-offs - Prior			5,516		2,479
Current-period gross charge-offs - Revolving			3,677		9,706
Current-period gross charge-offs - Total	8,590	$ 7,578	16,530	$ 12,205	40,648
30 days past due
Loans
Total loans	53,850		53,850		60,085
60 days past due
Loans
Total loans	14,321		14,321		18,276
90 days past due
Loans
Total loans	6,759		6,759		12,479
Construction and land development
Loans
Total loans	2,592,307		2,592,307		2,923,514
Construction and land development \| 30 days past due
Loans
Total loans	46		46		624
Commercial and industrial
Loans
Total loans	5,769,838		5,769,838		5,504,539
Commercial and industrial \| 30 days past due
Loans
Total loans	22,597		22,597		25,231
Commercial and industrial \| 60 days past due
Loans
Total loans	5,891		5,891		7,194
Commercial and industrial \| 90 days past due
Loans
Total loans	5,656		5,656		9,193
Other income producing property
Loans
Total loans	624,957		624,957		656,334
Other income producing property \| 30 days past due
Loans
Total loans	578		578		569
Other income producing property \| 60 days past due
Loans
Total loans	65		65		570
Other income producing property \| 90 days past due
Loans
Total loans	118		118
Consumer Owner-Occupied Loans
Loans
Total loans	6,969,340		6,969,340		6,595,005
Consumer Owner-Occupied Loans \| 30 days past due
Loans
Total loans	9,305		9,305		7,903
Consumer Owner-Occupied Loans \| 60 days past due
Loans
Total loans	682		682		552
Consumer Owner-Occupied Loans \| 90 days past due
Loans
Total loans					920
Home equity loans
Loans
Total loans	1,471,384		1,471,384		1,398,445
Home equity loans \| 30 days past due
Loans
Total loans	4,354		4,354		6,500
Home equity loans \| 60 days past due
Loans
Total loans	458		458		1,326
Consumer loans
Loans
Total loans	1,175,135		1,175,135		1,233,650
Consumer loans \| 30 days past due
Loans
Total loans	9,861		9,861		13,212
Consumer loans \| 60 days past due
Loans
Total loans	5,928		5,928		7,370
Other loans
Loans
Total loans	1,809		1,809		7,697
Commercial loans
Loans
Amortized Cost Basis by Origination Year - 2024/2023	1,984,149		1,984,149		3,204,603
Amortized Cost Basis by Origination Year - 2023/2022	2,962,295		2,962,295		6,073,713
Amortized Cost Basis by Origination Year - 2022/2021	6,187,558		6,187,558		4,371,935
Amortized Cost Basis by Origination Year - 2021/2020	4,067,747		4,067,747		1,858,439
Amortized Cost Basis by Origination Year - 2020/2019	1,738,671		1,738,671		1,717,565
Amortized Cost Basis by Origination Year - Prior	4,523,834		4,523,834		3,428,397
Amortized Cost Basis by Origination Year - Revolving	1,568,047		1,568,047		1,736,510
Total loans	23,032,301		23,032,301		22,391,162
Current-period gross charge-offs - 2024/2023			523		7,272
Current-period gross charge-offs - 2023/2022			941		3,297
Current-period gross charge-offs - 2022/2021			2,450		13,220
Current-period gross charge-offs - 2021/2020			557		633
Current-period gross charge-offs - 2020/2019			325		765
Current-period gross charge-offs - Prior			5,086		1,892
Current-period gross charge-offs - Revolving			1,160		1,144
Current-period gross charge-offs - Total			11,042		28,223
Commercial loans \| Pass
Loans
Amortized Cost Basis by Origination Year - 2024/2023	1,912,646		1,912,646		3,069,006
Amortized Cost Basis by Origination Year - 2023/2022	2,819,438		2,819,438		5,828,607
Amortized Cost Basis by Origination Year - 2022/2021	5,819,429		5,819,429		4,239,975
Amortized Cost Basis by Origination Year - 2021/2020	3,775,922		3,775,922		1,750,366
Amortized Cost Basis by Origination Year - 2020/2019	1,620,200		1,620,200		1,584,255
Amortized Cost Basis by Origination Year - Prior	4,253,233		4,253,233		3,250,640
Amortized Cost Basis by Origination Year - Revolving	1,446,729		1,446,729		1,621,501
Total loans	21,647,597		21,647,597		21,344,350
Commercial loans \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2024/2023	5,044		5,044		10,183
Amortized Cost Basis by Origination Year - 2023/2022	36,975		36,975		114,357
Amortized Cost Basis by Origination Year - 2022/2021	143,474		143,474		42,567
Amortized Cost Basis by Origination Year - 2021/2020	149,646		149,646		14,351
Amortized Cost Basis by Origination Year - 2020/2019	11,141		11,141		22,077
Amortized Cost Basis by Origination Year - Prior	41,328		41,328		39,179
Amortized Cost Basis by Origination Year - Revolving	28,108		28,108		19,286
Total loans	415,716		415,716		262,000
Commercial loans \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2024/2023	66,455		66,455		125,409
Amortized Cost Basis by Origination Year - 2023/2022	105,873		105,873		130,738
Amortized Cost Basis by Origination Year - 2022/2021	224,631		224,631		89,324
Amortized Cost Basis by Origination Year - 2021/2020	142,116		142,116		93,717
Amortized Cost Basis by Origination Year - 2020/2019	107,328		107,328		111,233
Amortized Cost Basis by Origination Year - Prior	229,260		229,260		138,555
Amortized Cost Basis by Origination Year - Revolving	93,206		93,206		95,719
Total loans	968,869		968,869		784,695
Commercial loans \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2024/2023	4		4		5
Amortized Cost Basis by Origination Year - 2023/2022	9		9		11
Amortized Cost Basis by Origination Year - 2022/2021	24		24		69
Amortized Cost Basis by Origination Year - 2021/2020	63		63		5
Amortized Cost Basis by Origination Year - 2020/2019	2		2
Amortized Cost Basis by Origination Year - Prior	13		13		23
Amortized Cost Basis by Origination Year - Revolving	4		4		4
Total loans	119		119		117
Commercial loans \| Construction and land development
Loans
Amortized Cost Basis by Origination Year - 2024/2023	126,532		126,532		482,933
Amortized Cost Basis by Origination Year - 2023/2022	520,819		520,819		1,118,792
Amortized Cost Basis by Origination Year - 2022/2021	1,146,136		1,146,136		507,120
Amortized Cost Basis by Origination Year - 2021/2020	177,860		177,860		19,629
Amortized Cost Basis by Origination Year - 2020/2019	10,083		10,083		9,870
Amortized Cost Basis by Origination Year - Prior	18,010		18,010		20,430
Amortized Cost Basis by Origination Year - Revolving	48,633		48,633		49,191
Total loans	2,048,073		2,048,073		2,207,965
Current-period gross charge-offs - 2021/2020					204
Current-period gross charge-offs - 2020/2019			74
Current-period gross charge-offs - Prior			2,088		2
Current-period gross charge-offs - Total			2,162		206
Commercial loans \| Construction and land development \| Pass
Loans
Amortized Cost Basis by Origination Year - 2024/2023	125,752		125,752		480,860
Amortized Cost Basis by Origination Year - 2023/2022	519,137		519,137		1,036,691
Amortized Cost Basis by Origination Year - 2022/2021	1,100,600		1,100,600		503,433
Amortized Cost Basis by Origination Year - 2021/2020	128,693		128,693		19,626
Amortized Cost Basis by Origination Year - 2020/2019	10,082		10,082		5,585
Amortized Cost Basis by Origination Year - Prior	17,056		17,056		19,200
Amortized Cost Basis by Origination Year - Revolving	48,633		48,633		49,191
Total loans	1,949,953		1,949,953		2,114,586
Commercial loans \| Construction and land development \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2024/2023	733		733		1,683
Amortized Cost Basis by Origination Year - 2023/2022	1,682		1,682		35,790
Amortized Cost Basis by Origination Year - 2022/2021	30,311		30,311		2,922
Amortized Cost Basis by Origination Year - 2021/2020	48,402		48,402
Amortized Cost Basis by Origination Year - Prior	341		341		458
Total loans	81,469		81,469		40,853
Commercial loans \| Construction and land development \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2024/2023	47		47		390
Amortized Cost Basis by Origination Year - 2023/2022					46,311
Amortized Cost Basis by Origination Year - 2022/2021	15,225		15,225		765
Amortized Cost Basis by Origination Year - 2021/2020	765		765
Amortized Cost Basis by Origination Year - 2020/2019					4,285
Amortized Cost Basis by Origination Year - Prior	608		608		767
Total loans	16,645		16,645		52,518
Commercial loans \| Construction and land development \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2021/2020					3
Amortized Cost Basis by Origination Year - 2020/2019	1		1
Amortized Cost Basis by Origination Year - Prior	5		5		5
Total loans	6		6		8
Commercial loans \| Commercial non-owner occupied
Loans
Amortized Cost Basis by Origination Year - 2024/2023	386,189		386,189		836,159
Amortized Cost Basis by Origination Year - 2023/2022	910,991		910,991		2,552,393
Amortized Cost Basis by Origination Year - 2022/2021	2,760,602		2,760,602		1,934,481
Amortized Cost Basis by Origination Year - 2021/2020	2,102,335		2,102,335		746,407
Amortized Cost Basis by Origination Year - 2020/2019	712,042		712,042		795,642
Amortized Cost Basis by Origination Year - Prior	2,137,987		2,137,987		1,601,612
Amortized Cost Basis by Origination Year - Revolving	96,670		96,670		104,940
Total loans	9,106,816		9,106,816		8,571,634
Current-period gross charge-offs - 2022/2021					51
Current-period gross charge-offs - 2021/2020			176
Current-period gross charge-offs - Prior			71		253
Current-period gross charge-offs - Total			247		304
Commercial loans \| Commercial non-owner occupied \| 30 days past due
Loans
Total loans	2,246		2,246		2,194
Commercial loans \| Commercial non-owner occupied \| 60 days past due
Loans
Total loans	60		60		123
Commercial loans \| Commercial non-owner occupied \| 90 days past due
Loans
Total loans	510		510		1,378
Commercial loans \| Commercial non-owner occupied \| Pass
Loans
Amortized Cost Basis by Origination Year - 2024/2023	346,456		346,456		759,501
Amortized Cost Basis by Origination Year - 2023/2022	849,321		849,321		2,501,611
Amortized Cost Basis by Origination Year - 2022/2021	2,566,851		2,566,851		1,878,889
Amortized Cost Basis by Origination Year - 2021/2020	1,932,908		1,932,908		674,470
Amortized Cost Basis by Origination Year - 2020/2019	620,771		620,771		706,794
Amortized Cost Basis by Origination Year - Prior	1,995,747		1,995,747		1,535,248
Amortized Cost Basis by Origination Year - Revolving	96,578		96,578		104,698
Total loans	8,408,632		8,408,632		8,161,211
Commercial loans \| Commercial non-owner occupied \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2024/2023	247		247		3,376
Amortized Cost Basis by Origination Year - 2023/2022	17,986		17,986		38,854
Amortized Cost Basis by Origination Year - 2022/2021	54,393		54,393		19,899
Amortized Cost Basis by Origination Year - 2021/2020	92,173		92,173		10,044
Amortized Cost Basis by Origination Year - 2020/2019	8,646		8,646		9,872
Amortized Cost Basis by Origination Year - Prior	12,503		12,503		12,976
Amortized Cost Basis by Origination Year - Revolving	92		92		93
Total loans	186,040		186,040		95,114
Commercial loans \| Commercial non-owner occupied \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2024/2023	39,486		39,486		73,282
Amortized Cost Basis by Origination Year - 2023/2022	43,684		43,684		11,928
Amortized Cost Basis by Origination Year - 2022/2021	139,358		139,358		35,692
Amortized Cost Basis by Origination Year - 2021/2020	77,253		77,253		61,893
Amortized Cost Basis by Origination Year - 2020/2019	82,625		82,625		78,976
Amortized Cost Basis by Origination Year - Prior	129,737		129,737		53,388
Amortized Cost Basis by Origination Year - Revolving					149
Total loans	512,143		512,143		315,308
Commercial loans \| Commercial non-owner occupied \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2022/2021					1
Amortized Cost Basis by Origination Year - 2021/2020	1		1
Total loans	1		1		1
Commercial loans \| Commercial owner-occupied real estate loan
Loans
Amortized Cost Basis by Origination Year - 2024/2023	273,846		273,846		582,411
Amortized Cost Basis by Origination Year - 2023/2022	615,915		615,915		1,084,642
Amortized Cost Basis by Origination Year - 2022/2021	1,111,930		1,111,930		1,131,563
Amortized Cost Basis by Origination Year - 2021/2020	1,087,575		1,087,575		663,438
Amortized Cost Basis by Origination Year - 2020/2019	630,968		630,968		676,168
Amortized Cost Basis by Origination Year - Prior	1,715,110		1,715,110		1,262,571
Amortized Cost Basis by Origination Year - Revolving	87,634		87,634		96,878
Total loans	5,522,978		5,522,978		5,497,671
Current-period gross charge-offs - 2023/2022					126
Current-period gross charge-offs - 2021/2020			91
Current-period gross charge-offs - 2020/2019			227
Current-period gross charge-offs - Prior			75
Current-period gross charge-offs - Total			393		126
Commercial loans \| Commercial owner-occupied real estate loan \| 30 days past due
Loans
Total loans	4,863		4,863		3,852
Commercial loans \| Commercial owner-occupied real estate loan \| 60 days past due
Loans
Total loans	1,237		1,237		1,141
Commercial loans \| Commercial owner-occupied real estate loan \| 90 days past due
Loans
Total loans	475		475		988
Commercial loans \| Commercial owner-occupied real estate loan \| Pass
Loans
Amortized Cost Basis by Origination Year - 2024/2023	261,676		261,676		556,192
Amortized Cost Basis by Origination Year - 2023/2022	574,218		574,218		1,015,236
Amortized Cost Basis by Origination Year - 2022/2021	1,024,957		1,024,957		1,088,976
Amortized Cost Basis by Origination Year - 2021/2020	1,044,146		1,044,146		635,694
Amortized Cost Basis by Origination Year - 2020/2019	608,433		608,433		648,082
Amortized Cost Basis by Origination Year - Prior	1,622,413		1,622,413		1,176,796
Amortized Cost Basis by Origination Year - Revolving	73,759		73,759		88,298
Total loans	5,209,602		5,209,602		5,209,274
Commercial loans \| Commercial owner-occupied real estate loan \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2024/2023	2,123		2,123		1,976
Amortized Cost Basis by Origination Year - 2023/2022	13,806		13,806		31,484
Amortized Cost Basis by Origination Year - 2022/2021	51,635		51,635		15,777
Amortized Cost Basis by Origination Year - 2021/2020	6,445		6,445		1,435
Amortized Cost Basis by Origination Year - 2020/2019	1,017		1,017		7,776
Amortized Cost Basis by Origination Year - Prior	21,362		21,362		22,551
Amortized Cost Basis by Origination Year - Revolving	5,167		5,167		690
Total loans	101,555		101,555		81,689
Commercial loans \| Commercial owner-occupied real estate loan \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2024/2023	10,043		10,043		24,240
Amortized Cost Basis by Origination Year - 2023/2022	27,888		27,888		37,922
Amortized Cost Basis by Origination Year - 2022/2021	35,338		35,338		26,810
Amortized Cost Basis by Origination Year - 2021/2020	36,984		36,984		26,308
Amortized Cost Basis by Origination Year - 2020/2019	21,518		21,518		20,310
Amortized Cost Basis by Origination Year - Prior	71,331		71,331		63,220
Amortized Cost Basis by Origination Year - Revolving	8,708		8,708		7,890
Total loans	211,810		211,810		206,700
Commercial loans \| Commercial owner-occupied real estate loan \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2024/2023	4		4		3
Amortized Cost Basis by Origination Year - 2023/2022	3		3
Amortized Cost Basis by Origination Year - 2021/2020					1
Amortized Cost Basis by Origination Year - Prior	4		4		4
Total loans	11		11		8
Commercial loans \| Commercial and industrial
Loans
Amortized Cost Basis by Origination Year - 2024/2023	1,167,346		1,167,346		1,217,013
Amortized Cost Basis by Origination Year - 2023/2022	837,597		837,597		1,177,852
Amortized Cost Basis by Origination Year - 2022/2021	1,037,419		1,037,419		696,283
Amortized Cost Basis by Origination Year - 2021/2020	602,996		602,996		374,432
Amortized Cost Basis by Origination Year - 2020/2019	335,234		335,234		191,861
Amortized Cost Basis by Origination Year - Prior	523,850		523,850		429,408
Amortized Cost Basis by Origination Year - Revolving	1,265,396		1,265,396		1,417,690
Total loans	5,769,838		5,769,838		5,504,539
Current-period gross charge-offs - 2024/2023			523		7,272
Current-period gross charge-offs - 2023/2022			941		3,171
Current-period gross charge-offs - 2022/2021			2,450		13,169
Current-period gross charge-offs - 2021/2020			290		429
Current-period gross charge-offs - 2020/2019			24		765
Current-period gross charge-offs - Prior			2,852		1,637
Current-period gross charge-offs - Revolving			1,160		1,144
Current-period gross charge-offs - Total			8,240		27,587
Commercial loans \| Commercial and industrial \| Pass
Loans
Amortized Cost Basis by Origination Year - 2024/2023	1,150,687		1,150,687		1,187,836
Amortized Cost Basis by Origination Year - 2023/2022	801,250		801,250		1,140,702
Amortized Cost Basis by Origination Year - 2022/2021	999,002		999,002		669,188
Amortized Cost Basis by Origination Year - 2021/2020	576,804		576,804		367,668
Amortized Cost Basis by Origination Year - 2020/2019	331,704		331,704		182,519
Amortized Cost Basis by Origination Year - Prior	498,792		498,792		413,271
Amortized Cost Basis by Origination Year - Revolving	1,160,020		1,160,020		1,313,978
Total loans	5,518,259		5,518,259		5,275,162
Commercial loans \| Commercial and industrial \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2024/2023	1,782		1,782		2,395
Amortized Cost Basis by Origination Year - 2023/2022	2,765		2,765		7,624
Amortized Cost Basis by Origination Year - 2022/2021	6,856		6,856		3,604
Amortized Cost Basis by Origination Year - 2021/2020	1,624		1,624		2,762
Amortized Cost Basis by Origination Year - 2020/2019	678		678		3,870
Amortized Cost Basis by Origination Year - Prior	4,605		4,605		898
Amortized Cost Basis by Origination Year - Revolving	22,173		22,173		18,300
Total loans	40,483		40,483		39,453
Commercial loans \| Commercial and industrial \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2024/2023	14,877		14,877		26,780
Amortized Cost Basis by Origination Year - 2023/2022	33,576		33,576		29,515
Amortized Cost Basis by Origination Year - 2022/2021	31,537		31,537		23,423
Amortized Cost Basis by Origination Year - 2021/2020	24,506		24,506		4,001
Amortized Cost Basis by Origination Year - 2020/2019	2,851		2,851		5,472
Amortized Cost Basis by Origination Year - Prior	20,450		20,450		15,226
Amortized Cost Basis by Origination Year - Revolving	83,199		83,199		85,409
Total loans	210,996		210,996		189,826
Commercial loans \| Commercial and industrial \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2024/2023					2
Amortized Cost Basis by Origination Year - 2023/2022	6		6		11
Amortized Cost Basis by Origination Year - 2022/2021	24		24		68
Amortized Cost Basis by Origination Year - 2021/2020	62		62		1
Amortized Cost Basis by Origination Year - 2020/2019	1		1
Amortized Cost Basis by Origination Year - Prior	3		3		13
Amortized Cost Basis by Origination Year - Revolving	4		4		3
Total loans	100		100		98
Commercial loans \| Other income producing property
Loans
Amortized Cost Basis by Origination Year - 2024/2023	25,231		25,231		59,222
Amortized Cost Basis by Origination Year - 2023/2022	58,251		58,251		135,186
Amortized Cost Basis by Origination Year - 2022/2021	124,827		124,827		99,724
Amortized Cost Basis by Origination Year - 2021/2020	93,061		93,061		52,272
Amortized Cost Basis by Origination Year - 2020/2019	49,680		49,680		41,906
Amortized Cost Basis by Origination Year - Prior	127,723		127,723		113,878
Amortized Cost Basis by Origination Year - Revolving	39,835		39,835		42,025
Total loans	518,608		518,608		544,213
Commercial loans \| Other income producing property \| Pass
Loans
Amortized Cost Basis by Origination Year - 2024/2023	24,165		24,165		58,012
Amortized Cost Basis by Origination Year - 2023/2022	57,019		57,019		129,858
Amortized Cost Basis by Origination Year - 2022/2021	121,434		121,434		96,743
Amortized Cost Basis by Origination Year - 2021/2020	89,451		89,451		51,615
Amortized Cost Basis by Origination Year - 2020/2019	48,566		48,566		40,988
Amortized Cost Basis by Origination Year - Prior	118,513		118,513		105,810
Amortized Cost Basis by Origination Year - Revolving	38,353		38,353		39,701
Total loans	497,501		497,501		522,727
Commercial loans \| Other income producing property \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2024/2023	139		139		517
Amortized Cost Basis by Origination Year - 2023/2022	507		507		266
Amortized Cost Basis by Origination Year - 2022/2021	220		220		347
Amortized Cost Basis by Origination Year - 2021/2020	1,002		1,002		69
Amortized Cost Basis by Origination Year - 2020/2019	785		785		288
Amortized Cost Basis by Origination Year - Prior	2,253		2,253		2,296
Amortized Cost Basis by Origination Year - Revolving	183		183		203
Total loans	5,089		5,089		3,986
Commercial loans \| Other income producing property \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2024/2023	927		927		693
Amortized Cost Basis by Origination Year - 2023/2022	725		725		5,062
Amortized Cost Basis by Origination Year - 2022/2021	3,173		3,173		2,634
Amortized Cost Basis by Origination Year - 2021/2020	2,608		2,608		588
Amortized Cost Basis by Origination Year - 2020/2019	329		329		630
Amortized Cost Basis by Origination Year - Prior	6,957		6,957		5,772
Amortized Cost Basis by Origination Year - Revolving	1,299		1,299		2,121
Total loans	16,018		16,018		17,500
Commercial loans \| Consumer Owner-Occupied Loans
Loans
Amortized Cost Basis by Origination Year - 2024/2023	3,196		3,196		19,168
Amortized Cost Basis by Origination Year - 2023/2022	18,722		18,722		4,848
Amortized Cost Basis by Origination Year - 2022/2021	6,644		6,644		2,764
Amortized Cost Basis by Origination Year - 2021/2020	3,920		3,920		2,261
Amortized Cost Basis by Origination Year - 2020/2019	664		664		2,118
Amortized Cost Basis by Origination Year - Prior	1,154		1,154		498
Amortized Cost Basis by Origination Year - Revolving	29,879		29,879		25,786
Total loans	64,179		64,179		57,443
Commercial loans \| Consumer Owner-Occupied Loans \| Pass
Loans
Amortized Cost Basis by Origination Year - 2024/2023	2,101		2,101		18,908
Amortized Cost Basis by Origination Year - 2023/2022	18,493		18,493		4,509
Amortized Cost Basis by Origination Year - 2022/2021	6,585		6,585		2,746
Amortized Cost Basis by Origination Year - 2021/2020	3,920		3,920		1,293
Amortized Cost Basis by Origination Year - 2020/2019	644		644		287
Amortized Cost Basis by Origination Year - Prior	712		712		315
Amortized Cost Basis by Origination Year - Revolving	29,386		29,386		25,635
Total loans	61,841		61,841		53,693
Commercial loans \| Consumer Owner-Occupied Loans \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2024/2023	20		20		236
Amortized Cost Basis by Origination Year - 2023/2022	229		229		339
Amortized Cost Basis by Origination Year - 2022/2021	59		59		18
Amortized Cost Basis by Origination Year - 2021/2020					41
Amortized Cost Basis by Origination Year - 2020/2019	15		15		271
Amortized Cost Basis by Origination Year - Prior	264		264
Amortized Cost Basis by Origination Year - Revolving	493		493
Total loans	1,080		1,080		905
Commercial loans \| Consumer Owner-Occupied Loans \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2024/2023	1,075		1,075		24
Amortized Cost Basis by Origination Year - 2021/2020					927
Amortized Cost Basis by Origination Year - 2020/2019	5		5		1,560
Amortized Cost Basis by Origination Year - Prior	177		177		182
Amortized Cost Basis by Origination Year - Revolving					150
Total loans	1,257		1,257		2,843
Commercial loans \| Consumer Owner-Occupied Loans \| Doubtful
Loans
Amortized Cost Basis by Origination Year - Prior	1		1		1
Amortized Cost Basis by Origination Year - Revolving					1
Total loans	1		1		2
Commercial loans \| Other loans
Loans
Amortized Cost Basis by Origination Year - 2024/2023	1,809		1,809		7,697
Total loans	1,809		1,809		7,697
Commercial loans \| Other loans \| Pass
Loans
Amortized Cost Basis by Origination Year - 2024/2023	1,809		1,809		7,697
Total loans	1,809		1,809		7,697
Consumer loans
Loans
Amortized Cost Basis by Origination Year - 2024/2023	494,468		494,468		1,472,073
Amortized Cost Basis by Origination Year - 2023/2022	1,446,384		1,446,384		2,911,733
Amortized Cost Basis by Origination Year - 2022/2021	2,859,357		2,859,357		1,919,400
Amortized Cost Basis by Origination Year - 2021/2020	1,824,330		1,824,330		733,165
Amortized Cost Basis by Origination Year - 2020/2019	686,564		686,564		361,982
Amortized Cost Basis by Origination Year - Prior	1,266,054		1,266,054		1,030,716
Amortized Cost Basis by Origination Year - Revolving	1,625,106		1,625,106		1,568,258
Total loans	10,202,263		10,202,263		9,997,327
Current-period gross charge-offs - 2024/2023			23		441
Current-period gross charge-offs - 2023/2022			907		1,676
Current-period gross charge-offs - 2022/2021			1,435		598
Current-period gross charge-offs - 2021/2020			135		344
Current-period gross charge-offs - 2020/2019			41		217
Current-period gross charge-offs - Prior			430		587
Current-period gross charge-offs - Revolving			2,517		8,562
Current-period gross charge-offs - Total			5,488		12,425
Consumer loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2024/2023	493,761		493,761		1,468,427
Amortized Cost Basis by Origination Year - 2023/2022	1,438,712		1,438,712		2,905,191
Amortized Cost Basis by Origination Year - 2022/2021	2,850,948		2,850,948		1,915,515
Amortized Cost Basis by Origination Year - 2021/2020	1,818,831		1,818,831		729,369
Amortized Cost Basis by Origination Year - 2020/2019	683,522		683,522		360,664
Amortized Cost Basis by Origination Year - Prior	1,255,265		1,255,265		1,015,838
Amortized Cost Basis by Origination Year - Revolving	1,604,470		1,604,470		1,541,717
Total loans	10,145,509		10,145,509		9,936,721
Consumer loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2024/2023	702		702		2,092
Amortized Cost Basis by Origination Year - 2023/2022	2,925		2,925		2,589
Amortized Cost Basis by Origination Year - 2022/2021	3,162		3,162		1,903
Amortized Cost Basis by Origination Year - 2021/2020	1,908		1,908		928
Amortized Cost Basis by Origination Year - 2020/2019	2,137		2,137		888
Amortized Cost Basis by Origination Year - Prior	4,733		4,733		6,002
Amortized Cost Basis by Origination Year - Revolving	13,129		13,129		16,617
Total loans	28,696		28,696		31,019
Consumer loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2024/2023	4		4		64
Amortized Cost Basis by Origination Year - 2023/2022	2,242		2,242		1,020
Amortized Cost Basis by Origination Year - 2022/2021	2,096		2,096		692
Amortized Cost Basis by Origination Year - 2021/2020	1,131		1,131		788
Amortized Cost Basis by Origination Year - 2020/2019	117		117		4
Amortized Cost Basis by Origination Year - Prior	1,931		1,931		2,244
Amortized Cost Basis by Origination Year - Revolving	5,329		5,329		7,688
Total loans	12,850		12,850		12,500
Consumer loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2024/2023	1		1		1,490
Amortized Cost Basis by Origination Year - 2023/2022	2,505		2,505		2,933
Amortized Cost Basis by Origination Year - 2022/2021	3,151		3,151		1,290
Amortized Cost Basis by Origination Year - 2021/2020	2,460		2,460		2,080
Amortized Cost Basis by Origination Year - 2020/2019	788		788		426
Amortized Cost Basis by Origination Year - Prior	4,125		4,125		6,632
Amortized Cost Basis by Origination Year - Revolving	2,178		2,178		2,236
Total loans	15,208		15,208		17,087
Consumer loans \| Construction and land development
Loans
Amortized Cost Basis by Origination Year - 2024/2023	22,626		22,626		135,739
Amortized Cost Basis by Origination Year - 2023/2022	135,146		135,146		425,276
Amortized Cost Basis by Origination Year - 2022/2021	285,046		285,046		111,205
Amortized Cost Basis by Origination Year - 2021/2020	68,029		68,029		20,434
Amortized Cost Basis by Origination Year - 2020/2019	14,887		14,887		8,555
Amortized Cost Basis by Origination Year - Prior	18,500		18,500		14,340
Total loans	544,234		544,234		715,549
Current-period gross charge-offs - 2022/2021			304
Current-period gross charge-offs - Prior					19
Current-period gross charge-offs - Total			304		19
Consumer loans \| Construction and land development \| Current due
Loans
Amortized Cost Basis by Origination Year - 2024/2023	22,626		22,626		135,739
Amortized Cost Basis by Origination Year - 2023/2022	135,146		135,146		425,276
Amortized Cost Basis by Origination Year - 2022/2021	284,726		284,726		111,205
Amortized Cost Basis by Origination Year - 2021/2020	68,029		68,029		20,322
Amortized Cost Basis by Origination Year - 2020/2019	14,886		14,886		8,555
Amortized Cost Basis by Origination Year - Prior	18,439		18,439		14,265
Total loans	543,852		543,852		715,362
Consumer loans \| Construction and land development \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2021/2020					111
Amortized Cost Basis by Origination Year - Prior	45		45
Total loans	45		45		111
Consumer loans \| Construction and land development \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2022/2021	320		320
Amortized Cost Basis by Origination Year - 2021/2020					1
Amortized Cost Basis by Origination Year - 2020/2019	1		1
Amortized Cost Basis by Origination Year - Prior	16		16		75
Total loans	337		337		76
Consumer loans \| Commercial non-owner occupied
Loans
Current-period gross charge-offs - 2023/2022			136
Current-period gross charge-offs - 2022/2021			190
Current-period gross charge-offs - 2020/2019			12
Current-period gross charge-offs - Prior			41
Current-period gross charge-offs - Total			379
Consumer loans \| Other income producing property
Loans
Amortized Cost Basis by Origination Year - 2024/2023	1,117		1,117		6,310
Amortized Cost Basis by Origination Year - 2023/2022	6,106		6,106		43,022
Amortized Cost Basis by Origination Year - 2022/2021	41,554		41,554		18,536
Amortized Cost Basis by Origination Year - 2021/2020	17,367		17,367		4,331
Amortized Cost Basis by Origination Year - 2020/2019	4,075		4,075		2,537
Amortized Cost Basis by Origination Year - Prior	35,901		35,901		37,105
Amortized Cost Basis by Origination Year - Revolving	229		229		280
Total loans	106,349		106,349		112,121
Consumer loans \| Other income producing property \| Current due
Loans
Amortized Cost Basis by Origination Year - 2024/2023	1,117		1,117		6,310
Amortized Cost Basis by Origination Year - 2023/2022	6,106		6,106		43,022
Amortized Cost Basis by Origination Year - 2022/2021	41,554		41,554		18,536
Amortized Cost Basis by Origination Year - 2021/2020	17,367		17,367		4,331
Amortized Cost Basis by Origination Year - 2020/2019	4,075		4,075		2,537
Amortized Cost Basis by Origination Year - Prior	35,549		35,549		36,911
Amortized Cost Basis by Origination Year - Revolving	229		229		280
Total loans	105,997		105,997		111,927
Consumer loans \| Other income producing property \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - Prior	243		243		67
Total loans	243		243		67
Consumer loans \| Other income producing property \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - Prior	109		109		127
Total loans	109		109		127
Consumer loans \| Consumer Owner-Occupied Loans
Loans
Amortized Cost Basis by Origination Year - 2024/2023	351,672		351,672		1,022,825
Amortized Cost Basis by Origination Year - 2023/2022	1,041,272		1,041,272		2,130,728
Amortized Cost Basis by Origination Year - 2022/2021	2,268,880		2,268,880		1,644,659
Amortized Cost Basis by Origination Year - 2021/2020	1,621,540		1,621,540		631,130
Amortized Cost Basis by Origination Year - 2020/2019	604,336		604,336		289,326
Amortized Cost Basis by Origination Year - Prior	1,017,461		1,017,461		818,894
Total loans	6,905,161		6,905,161		6,537,562
Current-period gross charge-offs - 2024/2023					68
Current-period gross charge-offs - 2023/2022					90
Current-period gross charge-offs - 2022/2021					27
Current-period gross charge-offs - Prior					2
Current-period gross charge-offs - Total					187
Consumer loans \| Consumer Owner-Occupied Loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2024/2023	351,049		351,049		1,019,956
Amortized Cost Basis by Origination Year - 2023/2022	1,034,667		1,034,667		2,125,156
Amortized Cost Basis by Origination Year - 2022/2021	2,262,299		2,262,299		1,641,518
Amortized Cost Basis by Origination Year - 2021/2020	1,616,397		1,616,397		628,107
Amortized Cost Basis by Origination Year - 2020/2019	601,949		601,949		288,304
Amortized Cost Basis by Origination Year - Prior	1,011,015		1,011,015		809,419
Total loans	6,877,376		6,877,376		6,512,460
Consumer loans \| Consumer Owner-Occupied Loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2024/2023	623		623		1,589
Amortized Cost Basis by Origination Year - 2023/2022	2,764		2,764		2,268
Amortized Cost Basis by Origination Year - 2022/2021	2,451		2,451		1,524
Amortized Cost Basis by Origination Year - 2021/2020	1,766		1,766		654
Amortized Cost Basis by Origination Year - 2020/2019	1,827		1,827		707
Amortized Cost Basis by Origination Year - Prior	3,022		3,022		4,012
Total loans	12,453		12,453		10,754
Consumer loans \| Consumer Owner-Occupied Loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2023/2022	2,115		2,115		766
Amortized Cost Basis by Origination Year - 2022/2021	1,799		1,799		528
Amortized Cost Basis by Origination Year - 2021/2020	975		975		680
Amortized Cost Basis by Origination Year - 2020/2019	109		109
Amortized Cost Basis by Origination Year - Prior	1,033		1,033		813
Total loans	6,031		6,031		2,787
Consumer loans \| Consumer Owner-Occupied Loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2024/2023					1,280
Amortized Cost Basis by Origination Year - 2023/2022	1,726		1,726		2,538
Amortized Cost Basis by Origination Year - 2022/2021	2,331		2,331		1,089
Amortized Cost Basis by Origination Year - 2021/2020	2,402		2,402		1,689
Amortized Cost Basis by Origination Year - 2020/2019	451		451		315
Amortized Cost Basis by Origination Year - Prior	2,391		2,391		4,650
Total loans	9,301		9,301		11,561
Consumer loans \| Home equity loans
Loans
Amortized Cost Basis by Origination Year - 2024/2023	4,804		4,804		6,728
Amortized Cost Basis by Origination Year - 2023/2022	6,410		6,410		6,454
Amortized Cost Basis by Origination Year - 2022/2021	5,213		5,213		3,058
Amortized Cost Basis by Origination Year - 2021/2020	1,765		1,765		1,715
Amortized Cost Basis by Origination Year - 2020/2019	2,009		2,009		1,048
Amortized Cost Basis by Origination Year - Prior	13,119		13,119		13,187
Amortized Cost Basis by Origination Year - Revolving	1,438,064		1,438,064		1,366,255
Total loans	1,471,384		1,471,384		1,398,445
Current-period gross charge-offs - 2021/2020					64
Current-period gross charge-offs - Prior			110		29
Current-period gross charge-offs - Revolving					84
Current-period gross charge-offs - Total			110		177
Consumer loans \| Home equity loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2024/2023	4,762		4,762		6,551
Amortized Cost Basis by Origination Year - 2023/2022	6,246		6,246		6,454
Amortized Cost Basis by Origination Year - 2022/2021	4,585		4,585		2,887
Amortized Cost Basis by Origination Year - 2021/2020	1,716		1,716		1,396
Amortized Cost Basis by Origination Year - 2020/2019	1,495		1,495		1,003
Amortized Cost Basis by Origination Year - Prior	12,018		12,018		11,518
Amortized Cost Basis by Origination Year - Revolving	1,432,868		1,432,868		1,358,829
Total loans	1,463,690		1,463,690		1,388,638
Consumer loans \| Home equity loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2024/2023	42		42		60
Amortized Cost Basis by Origination Year - 2023/2022	31		31
Amortized Cost Basis by Origination Year - 2022/2021	392		392		132
Amortized Cost Basis by Origination Year - 2021/2020	13		13		21
Amortized Cost Basis by Origination Year - 2020/2019	306		306		44
Amortized Cost Basis by Origination Year - Prior	336		336		539
Amortized Cost Basis by Origination Year - Revolving	4,701		4,701		5,860
Total loans	5,821		5,821		6,656
Consumer loans \| Home equity loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2023/2022	35		35
Amortized Cost Basis by Origination Year - 2022/2021	8		8		12
Amortized Cost Basis by Origination Year - 2021/2020					104
Amortized Cost Basis by Origination Year - Prior	243		243		458
Amortized Cost Basis by Origination Year - Revolving	228		228		1,268
Total loans	514		514		1,842
Consumer loans \| Home equity loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2024/2023					117
Amortized Cost Basis by Origination Year - 2023/2022	98		98
Amortized Cost Basis by Origination Year - 2022/2021	228		228		27
Amortized Cost Basis by Origination Year - 2021/2020	36		36		194
Amortized Cost Basis by Origination Year - 2020/2019	208		208		1
Amortized Cost Basis by Origination Year - Prior	522		522		672
Amortized Cost Basis by Origination Year - Revolving	267		267		298
Total loans	1,359		1,359		1,309
Consumer loans \| Consumer loans
Loans
Amortized Cost Basis by Origination Year - 2024/2023	114,249		114,249		300,471
Amortized Cost Basis by Origination Year - 2023/2022	257,450		257,450		306,253
Amortized Cost Basis by Origination Year - 2022/2021	258,664		258,664		141,942
Amortized Cost Basis by Origination Year - 2021/2020	115,629		115,629		75,555
Amortized Cost Basis by Origination Year - 2020/2019	61,257		61,257		60,516
Amortized Cost Basis by Origination Year - Prior	181,073		181,073		147,190
Amortized Cost Basis by Origination Year - Revolving	186,813		186,813		201,723
Total loans	1,175,135		1,175,135		1,233,650
Current-period gross charge-offs - 2024/2023			23		373
Current-period gross charge-offs - 2023/2022			771		1,586
Current-period gross charge-offs - 2022/2021			941		571
Current-period gross charge-offs - 2021/2020			135		280
Current-period gross charge-offs - 2020/2019			29		217
Current-period gross charge-offs - Prior			279		537
Current-period gross charge-offs - Revolving			2,517		8,478
Current-period gross charge-offs - Total			4,695		12,042
Consumer loans \| Consumer loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2024/2023	114,207		114,207		299,871
Amortized Cost Basis by Origination Year - 2023/2022	256,547		256,547		305,283
Amortized Cost Basis by Origination Year - 2022/2021	257,784		257,784		141,369
Amortized Cost Basis by Origination Year - 2021/2020	115,322		115,322		75,213
Amortized Cost Basis by Origination Year - 2020/2019	61,117		61,117		60,265
Amortized Cost Basis by Origination Year - Prior	178,244		178,244		143,725
Amortized Cost Basis by Origination Year - Revolving	171,373		171,373		182,608
Total loans	1,154,594		1,154,594		1,208,334
Consumer loans \| Consumer loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2024/2023	37		37		443
Amortized Cost Basis by Origination Year - 2023/2022	130		130		321
Amortized Cost Basis by Origination Year - 2022/2021	319		319		247
Amortized Cost Basis by Origination Year - 2021/2020	129		129		142
Amortized Cost Basis by Origination Year - 2020/2019	4		4		137
Amortized Cost Basis by Origination Year - Prior	1,087		1,087		1,384
Amortized Cost Basis by Origination Year - Revolving	8,428		8,428		10,757
Total loans	10,134		10,134		13,431
Consumer loans \| Consumer loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2024/2023	4		4		64
Amortized Cost Basis by Origination Year - 2023/2022	92		92		254
Amortized Cost Basis by Origination Year - 2022/2021	289		289		152
Amortized Cost Basis by Origination Year - 2021/2020	156		156		4
Amortized Cost Basis by Origination Year - 2020/2019	8		8		4
Amortized Cost Basis by Origination Year - Prior	655		655		973
Amortized Cost Basis by Origination Year - Revolving	5,101		5,101		6,420
Total loans	6,305		6,305		7,871
Consumer loans \| Consumer loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2024/2023	1		1		93
Amortized Cost Basis by Origination Year - 2023/2022	681		681		395
Amortized Cost Basis by Origination Year - 2022/2021	272		272		174
Amortized Cost Basis by Origination Year - 2021/2020	22		22		196
Amortized Cost Basis by Origination Year - 2020/2019	128		128		110
Amortized Cost Basis by Origination Year - Prior	1,087		1,087		1,108
Amortized Cost Basis by Origination Year - Revolving	1,911		1,911		1,938
Total loans	$ 4,102		$ 4,102		$ 4,014

Loans - Aging analysis of past

Loans - Aging analysis of past due loans (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Loans and Allowance for Loan Losses
Non-Accruing	$ 189,061	$ 170,222
Total loans	33,234,564	32,388,489
30 days past due
Loans and Allowance for Loan Losses
Total loans	53,850	60,085
60 days past due
Loans and Allowance for Loan Losses
Total loans	14,321	18,276
90 days past due
Loans and Allowance for Loan Losses
Total loans	6,759	12,479
Total Past Due
Loans and Allowance for Loan Losses
Total loans	74,930	90,840
Current
Loans and Allowance for Loan Losses
Total loans	32,970,573	32,127,427
Non-acquired loans
Loans and Allowance for Loan Losses
Total loans	28,023,986	26,482,763
Construction and land development
Loans and Allowance for Loan Losses
Non-Accruing	1,284	1,433
Total loans	2,592,307	2,923,514
Construction and land development \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	46	624
Construction and land development \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	46	624
Construction and land development \| Current
Loans and Allowance for Loan Losses
Total loans	2,590,977	2,921,457
Consumer Owner-Occupied Loans
Loans and Allowance for Loan Losses
Non-Accruing	30,146	25,271
Total loans	6,969,340	6,595,005
Consumer Owner-Occupied Loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	9,305	7,903
Consumer Owner-Occupied Loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	682	552
Consumer Owner-Occupied Loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans		920
Consumer Owner-Occupied Loans \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	9,987	9,375
Consumer Owner-Occupied Loans \| Current
Loans and Allowance for Loan Losses
Total loans	6,929,207	6,560,359
Home equity loans
Loans and Allowance for Loan Losses
Non-Accruing	6,929	4,932
Total loans	1,471,384	1,398,445
Home equity loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	4,354	6,500
Home equity loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	458	1,326
Home equity loans \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	4,812	7,826
Home equity loans \| Current
Loans and Allowance for Loan Losses
Total loans	1,459,643	1,385,687
Commercial and industrial
Loans and Allowance for Loan Losses
Non-Accruing	66,748	63,531
Total loans	5,769,838	5,504,539
Commercial and industrial \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	22,597	25,231
Commercial and industrial \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	5,891	7,194
Commercial and industrial \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	5,656	9,193
Commercial and industrial \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	34,144	41,618
Commercial and industrial \| Current
Loans and Allowance for Loan Losses
Total loans	5,668,946	5,399,390
Other income producing property
Loans and Allowance for Loan Losses
Non-Accruing	3,153	3,202
Total loans	624,957	656,334
Other income producing property \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	578	569
Other income producing property \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	65	570
Other income producing property \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	118
Other income producing property \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	761	1,139
Other income producing property \| Current
Loans and Allowance for Loan Losses
Total loans	621,043	651,993
Consumer loans
Loans and Allowance for Loan Losses
Non-Accruing	5,745	5,657
Total loans	1,175,135	1,233,650
Consumer loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	9,861	13,212
Consumer loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	5,928	7,370
Consumer loans \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	15,789	20,582
Consumer loans \| Current
Loans and Allowance for Loan Losses
Total loans	1,153,601	1,207,411
Other loans
Loans and Allowance for Loan Losses
Total loans	1,809	7,697
Other loans \| Current
Loans and Allowance for Loan Losses
Total loans	1,809	7,697
Commercial loans
Loans and Allowance for Loan Losses
Total loans	23,032,301	22,391,162
Commercial loans \| Construction and land development
Loans and Allowance for Loan Losses
Total loans	2,048,073	2,207,965
Commercial loans \| Commercial non-owner occupied
Loans and Allowance for Loan Losses
Non-Accruing	21,336	21,309
Total loans	9,106,816	8,571,634
Commercial loans \| Commercial non-owner occupied \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	2,246	2,194
Commercial loans \| Commercial non-owner occupied \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	60	123
Commercial loans \| Commercial non-owner occupied \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	510	1,378
Commercial loans \| Commercial non-owner occupied \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	2,816	3,695
Commercial loans \| Commercial non-owner occupied \| Current
Loans and Allowance for Loan Losses
Total loans	9,082,664	8,546,630
Commercial loans \| Commercial owner-occupied real estate loan
Loans and Allowance for Loan Losses
Non-Accruing	53,720	44,887
Total loans	5,522,978	5,497,671
Commercial loans \| Commercial owner-occupied real estate loan \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	4,863	3,852
Commercial loans \| Commercial owner-occupied real estate loan \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	1,237	1,141
Commercial loans \| Commercial owner-occupied real estate loan \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	475	988
Commercial loans \| Commercial owner-occupied real estate loan \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	6,575	5,981
Commercial loans \| Commercial owner-occupied real estate loan \| Current
Loans and Allowance for Loan Losses
Total loans	5,462,683	5,446,803
Commercial loans \| Consumer Owner-Occupied Loans
Loans and Allowance for Loan Losses
Total loans	64,179	57,443
Commercial loans \| Commercial and industrial
Loans and Allowance for Loan Losses
Total loans	5,769,838	5,504,539
Commercial loans \| Other income producing property
Loans and Allowance for Loan Losses
Total loans	518,608	544,213
Commercial loans \| Other loans
Loans and Allowance for Loan Losses
Total loans	1,809	7,697
Consumer loans
Loans and Allowance for Loan Losses
Total loans	10,202,263	9,997,327
Consumer loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	28,696	31,019
Consumer loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	12,850	12,500
Consumer loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	15,208	17,087
Consumer loans \| Construction and land development
Loans and Allowance for Loan Losses
Total loans	544,234	715,549
Consumer loans \| Construction and land development \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	45	111
Consumer loans \| Construction and land development \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	337	76
Consumer loans \| Consumer Owner-Occupied Loans
Loans and Allowance for Loan Losses
Total loans	6,905,161	6,537,562
Consumer loans \| Consumer Owner-Occupied Loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	12,453	10,754
Consumer loans \| Consumer Owner-Occupied Loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	6,031	2,787
Consumer loans \| Consumer Owner-Occupied Loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	9,301	11,561
Consumer loans \| Home equity loans
Loans and Allowance for Loan Losses
Total loans	1,471,384	1,398,445
Consumer loans \| Home equity loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	5,821	6,656
Consumer loans \| Home equity loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	514	1,842
Consumer loans \| Home equity loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	1,359	1,309
Consumer loans \| Other income producing property
Loans and Allowance for Loan Losses
Total loans	106,349	112,121
Consumer loans \| Other income producing property \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	243	67
Consumer loans \| Other income producing property \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	109	127
Consumer loans \| Consumer loans
Loans and Allowance for Loan Losses
Total loans	1,175,135	1,233,650
Consumer loans \| Consumer loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	10,134	13,431
Consumer loans \| Consumer loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	6,305	7,871
Consumer loans \| Consumer loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	$ 4,102	$ 4,014

Loans - Nonaccrual loans (Detai

Loans - Nonaccrual loans (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	$ 189,061	$ 170,222
Greater than 90 Days Accruing	6,759
Non-accrual with no allowance	70,895
Other income producing property
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	3,153	3,202
Greater than 90 Days Accruing	118
Non-accrual with no allowance	1,265
Commercial loans \| Construction and land development
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	1,284	1,433
Commercial loans \| Commercial non-owner occupied
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	21,336	21,309
Greater than 90 Days Accruing	510
Non-accrual with no allowance	17,825
Commercial loans \| Commercial owner-occupied real estate loan
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	53,720	44,887
Greater than 90 Days Accruing	475
Non-accrual with no allowance	24,550
Commercial loans \| Commercial and industrial
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	66,748	63,531
Greater than 90 Days Accruing	5,656
Non-accrual with no allowance	26,035
Consumer loans \| Consumer Owner-Occupied Loans
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	30,146	25,271
Consumer loans \| Home equity loans
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	6,929	4,932
Non-accrual with no allowance	1,220
Consumer loans \| Consumer loans
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	$ 5,745	$ 5,657

Loans - Collateral Dependent Lo

Loans - Collateral Dependent Loans (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 89,929	$ 82,879
Collateral Coverage	144,713	125,229
Loans individually evaluated for impairment	1,000
Increase in overall collateral dependent loans	$ 7,100
Number of months generally required to return to accruing status	6 months
Commercial owner-occupied real estate loan \| Church
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 4,631	3,537
Collateral Coverage	$ 12,700	$ 6,705
Collateral Coverage (as a percent)	274%	190%
Commercial owner-occupied real estate loan \| Industrial
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 6,892	$ 7,172
Collateral Coverage	$ 14,644	$ 15,273
Collateral Coverage (as a percent)	212%	213%
Commercial owner-occupied real estate loan \| Other
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 17,042	$ 12,231
Collateral Coverage	$ 31,190	$ 23,747
Collateral Coverage (as a percent)	183%	194%
Commercial non-owner occupied \| Office
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 17,825
Collateral Coverage	$ 19,095
Collateral Coverage (as a percent)	107%
Commercial non-owner occupied \| Retail
Loans and Allowance for Loan Losses
Collateral dependent loans		$ 3,216
Collateral Coverage		$ 4,208
Collateral Coverage (as a percent)		131%
Commercial non-owner occupied \| Other
Loans and Allowance for Loan Losses
Collateral dependent loans		$ 12,607
Collateral Coverage		$ 29,182
Collateral Coverage (as a percent)		231%
Commercial & Industrial \| Other
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 41,054	$ 44,116
Collateral Coverage	$ 61,548	$ 46,114
Collateral Coverage (as a percent)	150%	105%
Other income producing property \| 1-4 family investment property
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 1,265
Collateral Coverage	$ 3,286
Collateral Coverage (as a percent)	260%
Home equity loans \| Residential 1-4 family dwelling
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 1,220
Collateral Coverage	$ 2,250
Collateral Coverage (as a percent)	184%

Loans - Loans Designated as Mod

Loans - Loans Designated as Modifications (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accrued interest receivable	$ 119,000	$ 68	$ 119,000	$ 68
Remaining availability under commitments to lend additional funds on restructured loans	43		43
Interest rate reduction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	398		1,321
Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	32,626	11,117	32,626	12,932
Term Extension and Interest Rate Reduction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost		259		259
Commercial loans \| Construction and land development \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost		$ 1,255		$ 1,512
% of Total Asset Class		0.04%		0.05%
Increase in Weighted Average Life of Loan		24 months		22 months
Commercial loans \| Commercial non-owner occupied \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost		$ 343		$ 343
% of Total Asset Class		0%		0%
Increase in Weighted Average Life of Loan		60 months		60 months
Commercial loans \| Commercial owner-occupied real estate loan \| Interest rate reduction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost			$ 1,321
% of Total Asset Class			0.02%
Reduction in Weighted Average Contractual Interest Rate			3.14%
Commercial loans \| Commercial owner-occupied real estate loan \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	$ 11,050	$ 7,732	$ 11,050	$ 8,096
% of Total Asset Class	0.20%	0.14%	0.20%	0.14%
Increase in Weighted Average Life of Loan	32 months	22 months	32 months	22 months
Commercial loans \| Commercial and industrial \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	$ 20,529	$ 1,787	$ 20,529	$ 2,700
% of Total Asset Class	0.36%	0.03%	0.36%	0.05%
Increase in Weighted Average Life of Loan	37 months	6 months	37 months	7 months
Consumer loans \| Consumer Owner-Occupied Loans \| Interest rate reduction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	$ 398
% of Total Asset Class	0.01%
Reduction in Weighted Average Contractual Interest Rate	1.15%
Consumer loans \| Consumer Owner-Occupied Loans \| Term extension
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost	$ 1,047		$ 1,047	$ 281
% of Total Asset Class	0.02%		0.02%	0.02%
Increase in Weighted Average Life of Loan	3 months		3 months	6 months
Consumer loans \| Consumer Owner-Occupied Loans \| Term Extension and Interest Rate Reduction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Amortized Cost		$ 259		$ 259
Increase in Weighted Average Life of Loan		20 months		20 months
Consumer 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%		3.63%
Consumer 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%		3%

Loans - Changes in Status of Lo

Loans - Changes in Status of Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost	$ 33,946	$ 13,191
Specific reserve associated with restructured loans that subsequently defaulted	0
Interest rate reduction
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost	1,320
Interest rate reduction \| Consumer loans \| Consumer Owner-Occupied Loans
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost	1,320
Term extension
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost	32,626	13,191
Term extension \| Commercial loans \| Construction and land development
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost		1,512
Term extension \| Commercial loans \| Commercial non-owner occupied
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost		343
Term extension \| Commercial loans \| Commercial owner-occupied real estate loan
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost	11,050	8,096
Term extension \| Commercial loans \| Commercial and industrial
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost	20,529	2,700
Term extension \| Consumer loans \| Consumer Owner-Occupied Loans
Allowance for Credit Losses
Paying Under Restructured Terms - Amortized Cost	$ 1,047	$ 540

Loans - Performance of Loans Mo

Loans - Performance of Loans Modified (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	$ 33,946	$ 13,191
Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	33,024	13,191
30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	922
Commercial loans \| Construction and land development \| Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)		1,512
Commercial loans \| Commercial non-owner occupied \| Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)		343
Commercial loans \| Commercial owner-occupied real estate loan \| Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	11,050	8,096
Commercial loans \| Commercial and industrial \| Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	20,529	2,700
Consumer loans \| Consumer Owner-Occupied Loans \| Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	1,445	$ 540
Consumer loans \| Consumer Owner-Occupied Loans \| 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Payment Status (Amortized Cost Basis)	$ 922

Allowance for Credit Losses (_3

Allowance for Credit Losses (ACL) - Disaggregated analysis of the changes in allowance for credit losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Allowance for credit losses
Balance at beginning of period	$ 469,654	$ 370,645	$ 456,573	$ 356,444	$ 356,444
Charge-offs	(8,590)	(7,578)	(16,530)	(12,205)	(40,648)
Recoveries	4,365	4,268	9,626	7,857
Net (charge-offs) recoveries	(4,225)	(3,310)	(6,904)	(4,348)
Provision (recovery)	6,869	60,057	22,629	75,296
Balance at end of period	472,298	427,392	472,298	427,392	456,573
Unfunded Commitment
Allowance for credit losses
Provision (recovery)	(3,000)	(21,700)	(6,100)	(3,800)
Residential Mortgage Sr.
Allowance for credit losses
Balance at beginning of period	87,484	77,351	78,052	72,188	72,188
Charge-offs	(36)	(37)	(379)	(39)
Recoveries	92	302	215	596
Net (charge-offs) recoveries	56	265	(164)	557
Provision (recovery)	(27,988)	3,853	(18,336)	8,724
Balance at end of period	59,552	81,469	59,552	81,469	78,052
Residential Mortgage Jr.
Allowance for credit losses
Balance at beginning of period	1,230	349	745	405	405
Recoveries	50	3	89	8
Net (charge-offs) recoveries	50	3	89	8
Provision (recovery)	(852)	40	(406)	(21)
Balance at end of period	428	392	428	392	745
HELOC
Allowance for credit losses
Balance at beginning of period	11,724	14,318	10,942	14,886	14,886
Charge-offs			(110)	(39)
Recoveries	277	532	569	777
Net (charge-offs) recoveries	277	532	459	738
Provision (recovery)	6,928	(638)	7,528	(1,412)
Balance at end of period	18,929	14,212	18,929	14,212	10,942
Residential Construction
Allowance for credit losses
Balance at beginning of period	4,552	9,176	5,024	8,974	8,974
Charge-offs			(304)
Recoveries	15	22	22	94
Net (charge-offs) recoveries	15	22	(282)	94
Provision (recovery)	5,458	(329)	5,283	(199)
Balance at end of period	10,025	8,869	10,025	8,869	5,024
Commercial Construction and Development
Allowance for credit losses
Balance at beginning of period	60,860	55,069	65,772	45,410	45,410
Charge-offs	(687)	(2)	(2,162)	(2)
Recoveries	144	198	1,151	456
Net (charge-offs) recoveries	(543)	196	(1,011)	454
Provision (recovery)	16,902	49	12,458	9,450
Balance at end of period	77,219	55,314	77,219	55,314	65,772
Consumer
Allowance for credit losses
Balance at beginning of period	23,353	23,319	23,331	22,767	22,767
Charge-offs	(2,198)	(3,017)	(4,695)	(5,746)
Recoveries	825	520	1,950	1,104
Net (charge-offs) recoveries	(1,373)	(2,497)	(2,745)	(4,642)
Provision (recovery)	(9,752)	3,755	(8,358)	6,452
Balance at end of period	12,228	24,577	12,228	24,577	23,331
Multifamily
Allowance for credit losses
Balance at beginning of period	17,012	5,507	13,766	3,684	3,684
Recoveries	41		66
Net (charge-offs) recoveries	41		66
Provision (recovery)	2,708	4,260	5,929	6,083
Balance at end of period	19,761	9,767	19,761	9,767	13,766
Municipal
Allowance for credit losses
Balance at beginning of period	876	879	900	849	849
Provision (recovery)	903	(134)	879	(104)
Balance at end of period	1,779	745	1,779	745	900
CRE Owner Occupied
Allowance for credit losses
Balance at beginning of period	72,597	57,541	71,580	58,083	58,083
Charge-offs	(393)	(35)	(393)	(35)
Recoveries	408	93	511	386
Net (charge-offs) recoveries	15	58	118	351
Provision (recovery)	18,811	13,160	19,725	12,325
Balance at end of period	91,423	70,759	91,423	70,759	71,580
Non Owner Occupied CRE
Allowance for credit losses
Balance at beginning of period	134,698	82,473	137,055	78,485	78,485
Charge-offs	(176)		(247)	(51)
Recoveries	89	334	99	440
Net (charge-offs) recoveries	(87)	334	(148)	389
Provision (recovery)	(35,596)	32,462	(37,892)	36,395
Balance at end of period	99,015	115,269	99,015	115,269	137,055
C & I
Allowance for credit losses
Balance at beginning of period	55,268	44,663	49,406	50,713	50,713
Charge-offs	(5,100)	(4,487)	(8,240)	(6,293)
Recoveries	2,424	2,264	4,954	3,996
Net (charge-offs) recoveries	(2,676)	(2,223)	(3,286)	(2,297)
Provision (recovery)	29,347	3,579	35,819	(2,397)
Balance at end of period	$ 81,939	$ 46,019	$ 81,939	$ 46,019	$ 49,406

Leases (Details)

Leases (Details) - USD ($) $ in Thousands	6 Months Ended
Leases (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Operating ROU assets	$ 103,700	$ 100,300
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Property, Plant, and Equipment and Finance Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization	Property, Plant, and Equipment and Finance Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization
Lease Liability	$ 111,841	$ 108,300
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
Renewal term	20 years

Leases - Lease cost and other i

Leases - Lease cost and other information (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Lease Cost Components:
Amortization of ROU assets - finance leases	$ 117	$ 117	$ 233	$ 233
Interest on lease liabilities - finance leases	8	10	18	21
Operating lease cost (cost resulting from lease payments)	4,356	4,278	8,633	8,518
Short-term lease cost	184	109	323	215
Variable lease cost (cost excluded from lease payments)	956	840	1,753	1,475
Total lease cost	5,621	5,354	10,960	10,462
Supplemental Cash Flow and Other Information Related to Leases:
Finance lease - operating cash flows	8	10	18	21
Finance lease - financing cash flows	119	110	238	220
Operating lease - operating cash flows (fixed payments)	4,220	4,154	8,413	8,250
Operating lease - operating cash flows (net change asset/liability)	(3,300)	(3,321)	(6,667)	(6,608)
New ROU assets - operating leases	$ 6,550	$ 701	$ 9,093	$ 701
Weighted - average remaining lease term (years) - finance leases	3 years 11 months 4 days	4 years 11 months 4 days	3 years 11 months 4 days	4 years 11 months 4 days
Weighted - average remaining lease term (years) - operating leases	8 years 10 months 9 days	9 years 7 months 17 days	8 years 10 months 9 days	9 years 7 months 17 days
Weighted - average discount rate - finance leases	1.70%	1.70%	1.70%	1.70%
Weighted - average discount rate - operating leases	3.30%	3%	3.30%	3%
Maturity Analysis of Lease Liabilities:
2024 (excluding 6 months ended June 30, 2024)	$ 8,613		$ 8,613
2025	16,374		16,374
2026	15,866		15,866
2027	14,693		14,693
2028	14,030		14,030
Thereafter	61,212		61,212
Total undiscounted cash flows	130,788		130,788
Discount on cash flows	(18,947)		(18,947)
Total operating lease liabilities	$ 111,841		$ 111,841		$ 108,300
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other Liabilities.		Other Liabilities.		Other Liabilities.

Leases - Equipment Lessor (Deta

Leases - Equipment Lessor (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2024	Dec. 31, 2023
Direct financing leases:
Lease receivables	$ 16,997	$ 16,997	$ 5,503
Unguaranteed residual values	2,837	2,837	501
Initial direct costs	505	505	155
Unearned income	(3,503)	(3,503)	(1,165)
Total net investment in direct financing leases	16,836	16,836	4,994
Direct financing lease income:
Interest income	229	392
Remaining lease payments receivable:
2024 (excluding 6 months ended June 30, 2024)	1,755	1,755
2025	3,556	3,556
2026	3,556	3,556
2027	3,555	3,555
2028	2,505	2,505
Thereafter	2,070	2,070
Total undiscounted lease receivable	16,997	16,997	$ 5,503
Less: unearned interest income	(3,503)	(3,503)
Net lease receivables	$ 13,494	$ 13,494
Minimum
Equipment Lessor
Term of the operating lease	24 months	24 months
Term of the finance lease	24 months	24 months
Maximum
Equipment Lessor
Term of the operating lease	120 months	120 months
Term of the finance lease	120 months	120 months

Deposits - Total deposits (Deta

Deposits - Total deposits (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Deposits
Noninterest-bearing checking	$ 10,374,464	$ 10,649,274
Interest-bearing checking	7,547,406	7,978,799
Savings	2,475,130	2,632,212
Money market	12,122,336	11,538,671
Time deposits	4,579,066	4,249,953
Total deposits	$ 37,098,402	$ 37,048,909

Deposits - Certificates of depo

Deposits - Certificates of deposits and Scheduled maturities of time deposits (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Deposits
Aggregate amounts of certificates of deposits in denominations of $250,000 or more	$ 960.4	$ 927.2

Retirement Plans (Details)

Retirement Plans (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
Retirement Plans (Details) - USD ($) $ in Millions	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Employees' savings plan
Matching contribution by the company (as a percent)			100%
Employee savings plan	$ 4.4	$ 4.2	$ 9	$ 8.8
Minimum
Employees' savings plan
Age of employees to be eligible to participate in the defined contribution plan			18 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%
Percentage of employees salary for which the company contributes a matching contribution			4%

Earnings Per Share - Computatio

Earnings Per Share - Computation of basic and diluted EPS (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Basic earnings per common share:
Net income	$ 132,370	$ 123,447	$ 247,426	$ 263,373
Weighted-average basic common shares	76,251	76,058	76,276	75,981
Basic earnings per common share (in dollars per share)	$ 1.74	$ 1.62	$ 3.24	$ 3.47
Diluted earnings per common share:
Net income	$ 132,370	$ 123,447	$ 247,426	$ 263,373
Weighted-average basic common shares	76,251	76,058	76,276	75,981
Effect of dilutive securities (in shares)	356	360	354	413
Weighted-average dilutive shares	76,607	76,418	76,630	76,394
Diluted earnings per common share (in dollars per share)	$ 1.73	$ 1.62	$ 3.23	$ 3.45

Earnings Per Share - Calculatio

Earnings Per Share - Calculation of diluted EPS under Treasury method (Details) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Earnings Per Share
Number of shares	57,169	58,247	57,169	57,169
Range of exercise prices, low end of range (in dollars per share)	$ 87.30	$ 69.48	$ 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 ($)	6 Months Ended
	Jun. 30, 2024
Additional disclosures
Intrinsic value of stock option shares exercised	$ 143,000
2020 plan
Share-Based Compensation
Number of shares registered	2,451,634
Plan 2004, 2012 or 2019
Additional disclosures
Granted (in shares)	0
Employee Stock Option
Share-Based Compensation
Vesting percentage	25%
Vesting period	4 years
Expiration period	10 years
Number of shares
Outstanding at the beginning of the period (in shares)	107,592
Exercised (in shares)	(7,419)
Expired (in shares)	(29)
Outstanding at the end of the period (in shares)	100,144
Exercisable at the end of the period (in shares)	100,144
Weighted-Average Exercise Price
Outstanding at the beginning of the period (in dollars per share)	$ 72.60
Exercised (in dollars per share)	59.30
Expired (in dollars per share)	39.12
Outstanding at the end of the period (in dollars per share)	73.60
Exercisable at the end of the period (in dollars per share)	$ 73.60
Weighted-Average Remaining Contractual Life
Outstanding at the end of the period	2 years 3 months 21 days
Exercisable at the end of the period	2 years 3 months 21 days
Aggregate Intrinsic Value
Outstanding at the end of the period	$ 1,123,000
Exercisable at the end of the period	$ 1,123,000
Additional disclosures
Granted (in shares)	0
Total unrecognized compensation cost related to non vested stock option grants	$ 0

Share-Based Compensation - Rest

Share-Based Compensation - Restricted Stock (Details) - Restricted Stock	6 Months Ended
	Jun. 30, 2024 USD ($) $ / shares shares
Restricted Stock Activity
Outstanding at the beginning of the period (in shares) \| shares	16,248
Vested (in shares) \| shares	(10,187)
Forfeited (in shares) \| shares	(316)
Outstanding at the end of the period (in shares) \| shares	5,745
Weighted-Average Grant-Date Fair Value
Outstanding at the beginning of the period (in dollars per share) \| $ / shares	$ 88.63
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	$ 86.11
Additional disclosures
Total unrecognized compensation cost related to nonvested restricted stock and RSUs granted \| $	$ 267,000
Weighted-average period over which unrecognized compensation cost is expected to be recognized	6 months 10 days
Total fair value of shares vested during the period \| $	$ 858,000
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	6 Months Ended
	Jun. 30, 2024 USD ($) $ / shares shares
Restricted Stock Units
RSU Activity
Outstanding at the beginning of the period (in shares)	873,048
Granted (in shares)	368,696
Vested (in shares)	(353,675)
Forfeited (in shares)	(10,762)
Outstanding at the end of the period (in shares)	877,307
Weighted-Average Grant-Date Fair Value
Outstanding at the beginning of the period (in dollars per share) \| $ / shares	$ 75.22
Granted (in dollars per share) \| $ / shares	80.66
Vested (in dollars per share) \| $ / shares	77.51
Forfeited (in dollars per share) \| $ / shares	76.84
Outstanding at the end of the period (in dollars per share) \| $ / shares	$ 76.56
Additional disclosures
Options vested (in shares)	69,349
Total unrecognized compensation cost related to nonvested restricted stock and RSUs granted \| $	$ 35.8
Weighted-average period over which unrecognized compensation cost is expected to be recognized	1 year 3 months 25 days
Total fair value of shares vested during the period \| $	$ 29.2
Restricted Stock Units \| Minimum
Additional disclosures
Performance 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, 2022 and 2023 LTI performance-based RSU grants \| Restricted Stock Units
Additional disclosures
Additional shares authorized	132,486
Vesting period	3 years

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details) $ in Millions	3 Months Ended	6 Months Ended	12 Months Ended
	Mar. 31, 2024	Jun. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Jul. 30, 2024 case
Commitments to extend credit and standby letters of credit		$ 9,200
Liability recorded for expected credit losses on unfunded commitments		50.2
FDIC base annual rate	13.40%
Amount of uninsured deposits adjusted to exclude over assessment periods			$ 25.7	$ 5,000
Period for special assessment			2 years
FDIC special assessment additional expense		4.5
FDIC special assessment		$ 30.2
Subsequent event
Number of pending or threatened litigation \| case					3
Cases Pending In US District Court \| Florida \| Subsequent event
Number of pending or threatened litigation \| case					2
Cases Pending In US District Court \| Georgia \| Subsequent event
Number of pending or threatened litigation \| case					1

Fair Value - Assets and liabili

Fair Value - Assets and liabilities measured at fair value on a recurring basis (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Assets
Derivative financial instruments	$ 182,400	$ 169,000
Trading securities	92,161	31,321
Securities available for sale	4,498,264	4,784,388
SBA servicing asset	6,300	6,000
Liabilities
Derivative financial instruments	955,300	803,500
U.S. Treasuries
Assets
Trading securities	20,500
Securities available for sale	37,945	73,890
U.S. Government agencies
Assets
Trading securities	10,220	1,537
Securities available for sale	195,123	224,706
Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Trading securities	28,838	14,461
Securities available for sale	1,448,928	1,558,306
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Trading securities	2,782
Securities available for sale	1,008,962	1,024,170
State and municipal obligations
Assets
Trading securities	26,134	14,620
Securities available for sale	952,702	977,461
Small Business Administration loan-backed securities
Assets
Securities available for sale	336,742	371,686
Corporate securities
Assets
Securities available for sale	27,318	26,747
Significant Other Observable Inputs (Level 2)
Assets
Loans held for sale	100,007	50,888
Trading securities	92,161	31,321
Significant Unobservable Inputs (Level 3)
Assets
Mortgage servicing rights	88,904	85,164
SBA servicing asset	6,307	5,952
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	185,036	172,939
Loans held for sale	100,007	50,888
Trading securities	92,161	31,321
Securities available for sale	4,498,264	4,784,388
Mortgage servicing rights	88,904	85,164
SBA servicing asset	6,307	5,952
Fair value of Assets, Total	4,970,679	5,130,652
Liabilities
Derivative financial instruments	955,347	804,486
Recurring basis \| U.S. Treasuries
Assets
Securities available for sale	37,945	73,890
Recurring basis \| U.S. Government agencies
Assets
Securities available for sale	195,123	224,706
Recurring basis \| Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	1,448,928	1,558,306
Recurring basis \| Residential Collateralized Mortgage-Obligations Issued By U.S. Government Agencies Or Sponsored Enterprises
Assets
Securities available for sale	490,544	527,422
Recurring basis \| Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	1,008,962	1,024,170
Recurring basis \| State and municipal obligations
Assets
Securities available for sale	952,702	977,461
Recurring basis \| Small Business Administration loan-backed securities
Assets
Securities available for sale	336,742	371,686
Recurring basis \| Corporate securities
Assets
Securities available for sale	27,318	26,747
Recurring basis \| Significant Other Observable Inputs (Level 2)
Assets
Derivative financial instruments	185,036	172,939
Loans held for sale	100,007	50,888
Trading securities	92,161	31,321
Securities available for sale	4,498,264	4,784,388
Fair value of Assets, Total	4,875,468	5,039,536
Liabilities
Derivative financial instruments	955,347	804,486
Recurring basis \| Significant Other Observable Inputs (Level 2) \| U.S. Treasuries
Assets
Securities available for sale	37,945	73,890
Recurring basis \| Significant Other Observable Inputs (Level 2) \| U.S. Government agencies
Assets
Securities available for sale	195,123	224,706
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	1,448,928	1,558,306
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Residential Collateralized Mortgage-Obligations Issued By U.S. Government Agencies Or Sponsored Enterprises
Assets
Securities available for sale	490,544	527,422
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	1,008,962	1,024,170
Recurring basis \| Significant Other Observable Inputs (Level 2) \| State and municipal obligations
Assets
Securities available for sale	952,702	977,461
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Small Business Administration loan-backed securities
Assets
Securities available for sale	336,742	371,686
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Corporate securities
Assets
Securities available for sale	27,318	26,747
Recurring basis \| Significant Unobservable Inputs (Level 3)
Assets
Mortgage servicing rights	88,904	85,164
SBA servicing asset	6,307	5,952
Fair value of Assets, Total	95,211	$ 91,116
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	85,164
Servicing assets that resulted from transfers of financial assets	4,533
Changes in fair value assets due to valuation inputs or assumptions	$ 3,214
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	$ (4,007)
Fair value of assets at the end of the period	88,904
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	5,952
Servicing assets that resulted from transfers of financial assets	1,113
Changes in fair value assets due to valuation inputs or assumptions	$ 198
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	$ (956)
Fair value of assets at the end of the period	$ 6,307

Fair Value - Mortgage Loans Hel

Fair Value - Mortgage Loans Held for Sale (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Fair Value.
Fair value	$ 100,007		$ 100,007		$ 50,888
Unpaid principal balance	(97,136)		(97,136)		(49,025)
Fair value less aggregated unpaid principal balance	2,871		2,871		$ 1,863
Change in fair value of mortgage loans held for sale	$ 1,152	$ 75	$ 1,008	$ 66

Fair Value - Assets and liabi_2

Fair Value - Assets and liabilities measured at fair value on a nonrecurring basis (Details) $ in Thousands	Jun. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Fair Value
Individually evaluated loans	$ 189,061	$ 170,222
Nonrecurring basis \| Fair Value
Fair Value
OREO	3,057	837
Bank properties held for sale	6,100	12,401
Individually evaluated loans	80,620	73,518
Nonrecurring basis \| Significant Unobservable Inputs (Level 3)
Fair Value
OREO	3,057	837
Bank properties held for sale	6,100	12,401
Individually evaluated loans	$ 80,620	$ 73,518
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)	12	13
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)	7	12

Fair Value - Estimated fair val

Fair Value - Estimated fair value and related carrying amount, of the Company's financial instruments (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Financial assets:
Trading securities	$ 92,161		$ 31,321
SBA servicing asset	6,300		6,000
Financial liabilities:
Other derivative financial instruments (mortgage banking related)	150,861	$ (58,426)
Carrying Amount
Financial assets:
Cash and cash equivalents	1,117,166		998,877
Trading securities	92,161		31,321
Investment securities	7,048,308		7,463,871
Loans held for sale	100,007		50,888
Loans, net of allowance for credit losses	32,762,266		31,931,916
Accrued interest receivable	159,862		154,400
Mortgage servicing rights	88,904		85,164
SBA servicing asset	6,307		5,952
Interest rate swap - non-designated hedge	182,802		169,180
Other derivative financial instruments (mortgage banking related)	$ 2,234		$ 3,759
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Derivative Asset, Noncurrent		Derivative Asset, Noncurrent
Financial liabilities:
Noninterest-bearing	$ 10,374,464		$ 10,649,274
Interest-bearing other than time deposits	22,144,872		22,149,682
Time deposits	4,579,066		4,249,953
Federal funds purchased and securities sold under agreements to repurchase	542,403		489,185
Corporate and subordinated debentures	391,719		391,904
Other borrowings	300,000		100,000
Accrued interest payable	55,343		56,808
Interest rate swap - non-designated hedge	955,347		803,539
Other derivative financial instruments (mortgage banking related)			947
Fair Value
Financial assets:
Cash and cash equivalents	1,117,166		998,877
Trading securities	92,161		31,321
Investment securities	6,620,721		7,061,167
Loans held for sale	100,007		50,888
Loans, net of allowance for credit losses	31,609,083		30,709,513
Accrued interest receivable	159,862		154,400
Mortgage servicing rights	88,904		85,164
SBA servicing asset	6,307		5,952
Interest rate swap - non-designated hedge	182,802		169,180
Other derivative financial instruments (mortgage banking related)	2,234		3,759
Financial liabilities:
Noninterest-bearing	10,374,464		10,649,274
Interest-bearing other than time deposits	22,144,872		22,149,682
Time deposits	4,540,610		4,208,498
Federal funds purchased and securities sold under agreements to repurchase	542,403		489,185
Corporate and subordinated debentures	385,136		388,909
Other borrowings	300,000		100,000
Accrued interest payable	55,343		56,808
Interest rate swap - non-designated hedge	955,347		803,539
Other derivative financial instruments (mortgage banking related)			947
Quoted Prices In Active Markets for Identical Assets (Level 1)
Financial assets:
Cash and cash equivalents	1,117,166		998,877
Investment securities	201,516		192,043
Significant Other Observable Inputs (Level 2)
Financial assets:
Trading securities	92,161		31,321
Investment securities	6,419,205		6,869,124
Loans held for sale	100,007		50,888
Accrued interest receivable	25,803		26,706
Interest rate swap - non-designated hedge	182,802		169,180
Other derivative financial instruments (mortgage banking related)	2,234		3,759
Financial liabilities:
Noninterest-bearing	10,374,464		10,649,274
Interest-bearing other than time deposits	22,144,872		22,149,682
Time deposits	4,540,610		4,208,498
Federal funds purchased and securities sold under agreements to repurchase	542,403		489,185
Corporate and subordinated debentures	385,136		388,909
Other borrowings	300,000		100,000
Accrued interest payable	55,343		56,808
Interest rate swap - non-designated hedge	955,347		803,539
Other derivative financial instruments (mortgage banking related)			947
Significant Unobservable Inputs (Level 3)
Financial assets:
Loans, net of allowance for credit losses	31,609,083		30,709,513
Accrued interest receivable	134,059		127,694
Mortgage servicing rights	88,904		85,164
SBA servicing asset	$ 6,307		$ 5,952

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) - Changes in components of AOCI (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Accumulated Other Comprehensive (Loss) Income
Balance at the beginning of the period			$ (582,536)
Net comprehensive income (loss)	$ 2,783	$ (48,614)	(37,675)	$ 14,690
Balance at the end of the period	(620,211)		(620,211)
Benefit Plans
Accumulated Other Comprehensive (Loss) Income
Balance at the beginning of the period	627	(673)	627	(673)
Balance at the end of the period	627	(673)	627	(673)
Unrealized Gains (Losses) on Securities Available for Sale
Accumulated Other Comprehensive (Loss) Income
Balance at the beginning of the period	(623,621)	(613,111)	(583,163)	(676,415)
Other comprehensive income (loss) before reclassifications	2,783	(48,614)	(37,675)	14,723
Amounts reclassified from accumulated other comprehensive loss				(33)
Net comprehensive income (loss)	2,783	(48,614)	(37,675)	14,690
Balance at the end of the period	(620,838)	(661,725)	(620,838)	(661,725)
Accumulated Other Comprehensive (Loss) Income
Accumulated Other Comprehensive (Loss) Income
Balance at the beginning of the period	(622,994)	(613,784)	(582,536)	(677,088)
Other comprehensive income (loss) before reclassifications	2,783	(48,614)	(37,675)	14,723
Amounts reclassified from accumulated other comprehensive loss				(33)
Net comprehensive income (loss)	2,783	(48,614)	(37,675)	14,690
Balance at the end of the period	$ (620,211)	$ (662,398)	$ (620,211)	$ (662,398)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) - Reclassifications out of AOCI (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Reclassifications out of accumulated other comprehensive income, net of tax
Provision for income taxes	$ 40,478	$ 34,495	$ 78,940	$ 73,591
Net income	$ 132,370	$ 123,447	$ 247,426	263,373
Amount Reclassified from Accumulated Other Comprehensive Income (Loss)
Reclassifications out of accumulated other comprehensive income, net of tax
Net income				(33)
Gains on sales of available for sale securities \| Amount Reclassified from Accumulated Other Comprehensive Income (Loss)
Reclassifications out of accumulated other comprehensive income, net of tax
Securities gains, net				(45)
Provision for income taxes				12
Net income				$ (33)

Derivative Financial Instrume_3

Derivative Financial Instruments (Details) - USD ($)	3 Months Ended		6 Months Ended		12 Months Ended	18 Months Ended
Derivative Financial Instruments (Details) - USD ($)	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023	Jun. 30, 2024
Derivative Financial Instruments
Notional Amount	$ 25,563,807,000		$ 25,563,807,000		$ 24,452,059,000	$ 25,563,807,000
Derivatives assets	185,036,000		185,036,000		172,939,000	185,036,000
Derivative liabilities	955,347,000		955,347,000		804,486,000	955,347,000
Net gain (loss)			386,000
Fair value of the interest rate swap derivatives, other assets	182,400,000		182,400,000		169,000,000	182,400,000
Reduction in derivative asset fair value			774,000,000,000		635,300,000
Fair value of the interest rate swap derivatives, other liabilities	955,300,000		955,300,000		803,500,000	955,300,000
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	(955,347,000)		(955,347,000)		(804,486,000)	(955,347,000)
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	122,560,000		122,560,000		65,051,000	122,560,000
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	107,901,000		107,901,000		54,993,000	107,901,000
Cash flow hedge \| Borrower
Derivative Financial Instruments
Collateral provided	270,400,000		270,400,000			270,400,000
Cash flow hedge \| Counterparty
Derivative Financial Instruments
Collateral provided	96,400,000		96,400,000			96,400,000
Cash flow hedge \| Interest-bearing deposits \| Counterparty
Derivative Financial Instruments
Cash collateral	59,900,000		59,900,000			59,900,000
Economic hedges \| Counterparty
Derivative Financial Instruments
Loss on derivative					5,000,000
Interest rate contracts
Derivative Financial Instruments
Notional Amount	23,600,000,000		23,600,000,000		22,600,000,000	23,600,000,000
Mortgage servicing rights hedging \| Non-designated hedges
Derivative Financial Instruments
Notional Amount	122,000,000		122,000,000		142,000,000	122,000,000
Derivatives assets	500,000		500,000		2,605,000	500,000
Estimated gain (loss) on fair value			500,000		2,600,000
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	1,621,000		1,621,000		1,154,000	1,621,000
Mortgage loan pipeline commitments hedging \| Non-designated hedges
Derivative Financial Instruments
Notional Amount	153,500,000		153,500,000		77,500,000	153,500,000
Derivatives assets	1,734,000		1,734,000		1,154,000	1,734,000
Derivative liabilities					947,000
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					(947,000)
Forward commitments
Derivative Financial Instruments
Derivative liabilities	113,000		113,000		(947,000)	113,000
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Obligation	153,500,000		153,500,000		77,500,000	153,500,000
Fair value of forward commitments	(113,000)		(113,000)		947,000	(113,000)
Foreign exchange swaps
Derivative Financial Instruments
Gain or loss recorded						0
Interest rate swap
Derivative Financial Instruments
Net gain (loss)	273,000	$ (84,000)	386,000	$ 12,000
Interest rate swap \| Expected closures \| Counterparty
Derivative Financial Instruments
Gain on derivative			1,000,000
Interest rate swap \| Fair Value Hedging \| Counterparty
Derivative Financial Instruments
Notional Amount	9,011,000		9,011,000		9,188,000	9,011,000
Amortized cost basis of loans hedged	9,500,000		9,500,000		9,700,000	9,500,000
Derivatives assets	393,000		393,000		220,000	393,000
Interest rate swap \| Non-designated hedges \| Borrower
Derivative Financial Instruments
Notional Amount	11,830,647,000		11,830,647,000		11,327,419,000	11,830,647,000
Derivatives assets	33,645,000		33,645,000		60,145,000	33,645,000
Derivative liabilities	955,347,000		955,347,000		803,539,000	955,347,000
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	(955,347,000)		(955,347,000)		(803,539,000)	(955,347,000)
Interest rate swap \| Non-designated hedges \| Counterparty
Derivative Financial Instruments
Notional Amount	11,732,649,000		11,732,649,000		11,235,952,000	11,732,649,000
Derivatives assets	148,765,000		148,765,000		108,820,000	148,765,000
Reduction in derivative asset fair value			774,000,000,000
Interest rate swap \| Economic hedges \| Counterparty
Derivative Financial Instruments
Notional Amount	1,716,000,000		1,716,000,000		1,660,000,000	1,716,000,000
Derivative liabilities	1,000		1,000		5,000	1,000
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	$ (1,000)		$ (1,000)		$ (5,000)	$ (1,000)

Capital Ratios (Details)

Capital Ratios (Details) - USD ($) $ in Thousands	6 Months Ended
Capital Ratios (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Jan. 31, 2020	Jan. 01, 2019
Regulatory Matters
Minimum capital required, Capital Amount	$ 2,498,327		$ 2,476,926
Capital conversion buffer common equity Tier 1 of risk-weighted assets (as a percent)								2.50%
Additional allowance for credit losses for loans	472,298	$ 469,654	456,573	$ 427,392	$ 370,645	$ 356,444
Deferred tax assets	162,951		164,354
Additional reserve for unfunded commitments	50,200
Retained earnings	$ 1,841,933		1,685,166
Phasing out percentage	25%
Common equity Tier 1 to risk-weighted assets
Actual, Capital Amount	$ 4,310,341		$ 4,159,187
Actual, Ratio (as a percent)	12.08%		11.75%
Minimum capital required, Capital Amount	$ 3,033,683		$ 3,007,696
Minimum capital required, Ratio (as a percent)	7%		7%
Required to be considered well capitalized, Capital Amount	$ 2,319,875		$ 2,300,003
Required to be considered well capitalized, Ratio (as a percent)	6.50%		6.50%
Tier I capital to risk-weighted assets
Actual, Capital Amount	$ 4,310,341		$ 4,159,187
Actual, Ratio (as a percent)	0.1208		0.1175
Minimum capital required, Capital Amount	$ 3,033,683		$ 3,007,696
Minimum capital required, Ratio (as a percent)	0.0850		0.0850
Required to be considered well capitalized, Capital Amount	$ 2,855,231		$ 2,830,773
Required to be considered well capitalized, Ratio (as a percent)	0.0800		0.0800
Total capital to risk-weighted assets
Actual, Capital Amount	$ 5,149,924		$ 4,983,012
Actual, Ratio (as a percent)	0.1443		0.1408
Minimum capital required, Capital Amount	$ 3,747,490		$ 3,715,389
Minimum capital required, Ratio (as a percent)	0.1050		0.1050
Required to be considered well capitalized, Capital Amount	$ 3,569,038		$ 3,538,466
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	$ 4,310,341		$ 4,159,187
Actual, Ratio (as a percent)	0.0972		0.0942
Minimum capital required, Capital Amount	$ 1,774,222		$ 1,765,295
Minimum capital required, Ratio (as a percent)	0.0400		0.0400
Required to be considered well capitalized, Capital Amount	$ 2,217,778		$ 2,206,619
Required to be considered well capitalized, Ratio (as a percent)	0.0500		0.0500
ASU 2016-13
Regulatory Matters
Additional allowance for credit losses for loans							$ 54,400
Deferred tax assets							12,600
Retained earnings							44,800
ASU 2016-13 \| Adjustments
Regulatory Matters
Additional reserve for unfunded commitments							$ 6,400
SouthState Bank (the Bank)
Regulatory Matters
Minimum capital required, Capital Amount	$ 2,495,283		$ 2,473,961
Common equity Tier 1 to risk-weighted assets
Actual, Capital Amount	$ 4,595,267		$ 4,424,466
Actual, Ratio (as a percent)	12.89%		12.52%
Minimum capital required, Capital Amount	$ 3,029,986		$ 3,004,096
Minimum capital required, Ratio (as a percent)	7%		7%
Required to be considered well capitalized, Capital Amount	$ 2,317,048		$ 2,297,250
Required to be considered well capitalized, Ratio (as a percent)	6.50%		6.50%
Tier I capital to risk-weighted assets
Actual, Capital Amount	$ 4,595,267		$ 4,424,466
Actual, Ratio (as a percent)	0.1289		0.1252
Minimum capital required, Capital Amount	$ 3,029,986		$ 3,004,096
Minimum capital required, Ratio (as a percent)	0.0850		0.0850
Required to be considered well capitalized, Capital Amount	$ 2,851,752		$ 2,827,384
Required to be considered well capitalized, Ratio (as a percent)	0.0800		0.0800
Total capital to risk-weighted assets
Actual, Capital Amount	$ 5,044,736		$ 4,858,292
Actual, Ratio (as a percent)	0.1415		0.1375
Minimum capital required, Capital Amount	$ 3,742,924		$ 3,710,942
Minimum capital required, Ratio (as a percent)	0.1050		0.1050
Required to be considered well capitalized, Capital Amount	$ 3,564,690		$ 3,534,230
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	$ 4,595,267		$ 4,424,466
Actual, Ratio (as a percent)	0.1036		0.1003
Minimum capital required, Capital Amount	$ 1,773,701		$ 1,764,736
Minimum capital required, Ratio (as a percent)	0.0400		0.0400
Required to be considered well capitalized, Capital Amount	$ 2,217,126		$ 2,205,921
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 ($)	6 Months Ended	12 Months Ended
Goodwill and Other Intangible Assets (Details) - USD ($)	Jun. 30, 2024	Dec. 31, 2023
Goodwill and Other Intangible Assets
Goodwill	$ 1,923,106,000	$ 1,923,106,000
Impairment Charges	$ 0	$ 0

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Summary of gross carrying amounts (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Other intangible assets
Gross carrying amount	$ 275,108		$ 275,108		$ 274,753
Accumulated amortization	(197,719)		(197,719)		(185,977)
Net carrying amount	77,389		77,389		88,776
Amortization expense	5,744	$ 7,028	11,742	$ 14,327
Fair value of SBA servicing assets	$ 6,300		$ 6,300		$ 6,000
Minimum
Other intangible assets
Estimated useful lives	2 years		2 years
Maximum
Other intangible assets
Estimated useful lives	15 years		15 years

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets - Amortization expense (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Estimated amortization expense
Net carrying amount	$ 77,389	$ 88,776
Other intangibles, excluding the SBA servicing assets
Estimated amortization expense
September 30, 2024	5,327
December 31, 2024	5,326
March 31, 2025	5,100
June 30, 2025	4,836
September 30, 2025	4,419
Thereafter	46,074
Net carrying amount	$ 71,082

Mortgage Loan Servicing, Orig_3

Mortgage Loan Servicing, Origination, and Loans Held for Sale (Details) - USD ($)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Mortgage Loan Servicing, Origination, and Loans Held for Sale
Residential mortgages serviced for others	$ 6,700,000,000		$ 6,700,000,000		$ 6,600,000,000
Contractually specified servicing fees earned	4,300,000	$ 4,200,000	8,400,000	$ 8,300,000
Mortgage servicing rights	88,904,000		88,904,000		$ 85,164,000
Changes in the fair value of MSRs and its offsetting hedge.
Increase/(decrease) in fair value of MSRs	$ 830,000	$ 1,977,000	$ 3,214,000	$ 688,000
Servicing Asset, Fair Value, Change in Fair Value, Valuation Input, 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
Decay of MSRs	$ (2,566,000)	$ (2,385,000)	$ (4,007,000)	$ (3,793,000)
(Loss) gain related to derivatives	(1,424,000)	(2,264,000)	(4,004,000)	(2,119,000)
Net effect on Consolidated Statements of Income	$ (3,160,000)	$ (2,672,000)	$ (4,797,000)	$ (5,224,000)
Characteristics and sensitivity analysis of the MSR
Composition of residential loans serviced for others	100%		100%		100%
Weighted average life (in years)			8 years 7 days		8 years 10 days
Constant Prepayment rate (CPR) (as a percent)			7%		7%
Estimated impact on fair value of a 10% increase, Constant Prepayment rate (CPR)	$ (504,000)		$ (504,000)		$ (522,000)
Estimated impact on fair value of a 20% increase, Constant Prepayment rate (CPR)	(1,022,000)		(1,022,000)		(1,014,000)
Estimated impact on fair value of a 10% decrease, Constant Prepayment rate (CPR)	504,000		504,000		551,000
Estimated impact on fair value of a 20% decrease, Constant Prepayment rate (CPR)	1,018,000		$ 1,018,000		$ 1,128,000
Weighted average discount rate (as a percent)			10.90%		10.70%
Estimated impact on fair value of a 10% increase, Weighted average discount rate	(3,081,000)		$ (3,081,000)		$ (3,270,000)
Estimated impact on fair value of a 20% increase, Weighted average discount rate	(6,173,000)		(6,173,000)		(6,458,000)
Estimated impact on fair value of a 10% decrease, Weighted average discount rate	2,938,000		2,938,000		3,242,000
Estimated impact on fair value of a 20% decrease, Weighted average discount rate	5,550,000		5,550,000		6,283,000
Effect on fair value due to change in interest rates:
25 basis point increase	1,621,000		1,621,000		1,647,000
50 basis point increase	3,078,000		3,078,000		3,189,000
25 basis point decrease	(1,758,000)		(1,758,000)		(1,723,000)
50 basis point decrease	$ (3,623,000)		$ (3,623,000)		$ (3,501,000)
Fixed-rate mortgage loans
Characteristics and sensitivity analysis of the MSR
Composition of residential loans serviced for others	100%		100%		100%

Mortgage Loan Servicing, Orig_4

Mortgage Loan Servicing, Origination, and Loans Held for Sale - Mandatory cash forwards (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Mortgage loan securitizations, mandatory cash forwards, and whole loan sales
Repurchase of principal balance			$ 1,200,000	$ 975,000
Loan sales	$ 282,600,000	$ 249,300,000	505,300,000	408,700,000
Loan securitizations and loan sales	$ 205,900,000	$ 201,100,000	$ 366,600,000	$ 324,100,000
Percentage of loan securitizations and loan sales	72.90%	80.70%	72.60%	79.30%
Loss reimbursement and settlement claims paid			$ 52,000	$ 0
Loans held for sale	$ 100,007,000		$ 100,007,000		$ 50,888,000
Residential mortgage loans awaiting sale in secondary market \| Minimum
Mortgage loan securitizations, mandatory cash forwards, and whole loan sales
Loans held for sale, settlement period			15 days
Residential mortgage loans awaiting sale in secondary market \| Maximum
Mortgage loan securitizations, mandatory cash forwards, and whole loan sales
Loans held for sale, settlement period			45 days

Short-Term Borrowings (Details)

Short-Term Borrowings (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Secured Debt, Repurchase Agreements
Carrying amount of securities sold under repurchase agreements with customers	$ 254,400	$ 241,000
Carrying amount of the securities pledged to collateralize repurchase agreements	7,048,308	7,463,871
Federal funds purchased	287,973	248,162
Letter of credit outstanding	2,900
Loans	32,762,266	31,931,916
FRB Borrowings
Secured Debt, Repurchase Agreements
Debt Instrument Collateral Amount	1,800,000
Letter of credit outstanding	0	0
Maximum borrowing capacity	1,800,000
Loans	2,600,000
FHLB Advances
Secured Debt, Repurchase Agreements
Outstanding advances	300,000	100,000
Debt Instrument Collateral Amount	6,400,000
Amount of cash pledged as collateral	166,800
Unused net credit available with the FHLB	6,300,000
Debt Instrument Unused Borrowing Capacity Amount	$ 6,600,000
Asset Pledged as Collateral \| FRB Borrowings
Secured Debt, Repurchase Agreements
Financing Receivable, Pledging Purpose [Extensible Enumeration]	Federal funds purchased
Asset Pledged as Collateral \| FHLB Advances
Secured Debt, Repurchase Agreements
Debt Instrument Collateral Amount	$ 11,300,000
Amount of cash pledged as collateral	196,700
Asset Pledged as Collateral \| Securities sold under agreements to repurchase
Secured Debt, Repurchase Agreements
Carrying amount of the securities pledged to collateralize repurchase agreements	$ 389,300	$ 410,400

Stock Repurchase Program (Detai

Stock Repurchase Program (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023	Apr. 27, 2022
Stock repurchase program
Shares authorized under repurchase program						4,120,021
Cost of shares repurchased under other arrangements	$ 140	$ 3,606	$ 8,093	$ 7,022
2022 Stock Repurchase Program
Stock repurchase program
Shares authorized under repurchase program						3,750,000
Number of shares repurchased			100,000		100,000
Average price per share			$ 79.85		$ 67.48
2021 Stock Repurchase Plan
Stock repurchase program
Remaining authorized shares available for repurchase						370,021
Other stock repurchase arrangements
Stock repurchase program
Number of shares repurchased			97,363	98,093
Cost of shares repurchased under other arrangements			$ 8,100	$ 7,000

Investments in Qualified Affo_2

Investments in Qualified Affordable Housing Projects (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Investments in Qualified Affordable Housing Projects
Tax credits and other tax benefits	$ 3.8	$ 3.6	$ 7.7	$ 7.2
Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Income or Comprehensive Income [Extensible Enumeration]	Income Tax Expense (Benefit)	Income Tax Expense (Benefit)	Income Tax Expense (Benefit)	Income Tax Expense (Benefit)
Amortization	$ 3.5	$ 2.1	$ 6.9	$ 4.1
Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Income or Comprehensive Income [Extensible Enumeration]	Income Tax Expense (Benefit)	Other Noninterest Expense	Income Tax Expense (Benefit)	Other Noninterest Expense
Carrying value	$ 85		$ 85		$ 101.8
Investment, Proportional Amortization Method, Elected, Statement of Financial Position [Extensible Enumeration]	Other Assets.		Other Assets.		Other Assets.
Funding obligation	$ 11.3		$ 11.3		$ 12.5
Percentage of remaining funding obligation expected to be funded	91%		91%

Subsequent Events (Details)

Subsequent Events (Details) - $ / shares	1 Months Ended	3 Months Ended		6 Months Ended
Subsequent Events (Details) - $ / shares	Jul. 24, 2024	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Subsequent events
Cash dividends declared (in dollars per share)		$ 0.52	$ 0.50	$ 1.04	$ 1
O 2024 Q2 Dividends
Subsequent events
Cash dividends declared (in dollars per share)				$ 0.52
Subsequent event \| O 2024 Q3 Dividends
Subsequent events
Cash dividends declared (in dollars per share)	$ 0.54