Sandy Spring Bancorp (SASR) 10-K 20 Feb 25 2024 FY Annual report Financial data

COVER

COVER - USD ($) $ in Billions	12 Months Ended
	Dec. 31, 2024	Feb. 18, 2025	Jun. 28, 2024
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2024
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	0-19065
Entity Registrant Name	SANDY SPRING BANCORP, INC.
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	52-1532952
Entity Address, Address Line One	17801 Georgia Avenue
Entity Address, City or Town	Olney
Entity Address, State or Province	MD
Entity Address, Postal Zip Code	20832
City Area Code	301
Local Phone Number	774-6400
Title of 12(b) Security	Common Stock, par value $1.00 per share
Trading Symbol	SASR
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
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
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 1.1
Entity Common Stock, Shares Outstanding		45,140,417
Documents Incorporated by Reference	Documents Incorporated By Reference Part III: Portions of the definitive proxy statement for the Annual Meeting of Shareholders.
Amendment Flag	false
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Entity Central Index Key	0000824410

AUDIT INFORMATION

AUDIT INFORMATION	12 Months Ended
	Dec. 31, 2024
Audit Information [Abstract]
Auditor Firm ID	42
Auditor Name	Ernst & Young LLP
Auditor Location	Tysons, VA

CONSOLIDATED STATEMENTS OF COND

CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 80,698	$ 82,257
Federal funds sold	0	245
Interest-bearing deposits with banks	438,265	463,396
Cash and cash equivalents	518,963	545,898
Investments held-to-maturity, at cost (fair value of $177,854 and $200,411, respectively)	215,747	236,165
Investments available-for-sale (at fair value)	1,140,783	1,102,681
Other investments, at cost	61,714	75,607
Total loans held for investment	11,537,966	11,366,989
Less: allowance for credit losses - loans	(134,401)	(120,865)
Net loans	11,403,565	11,246,124
Premises and equipment, net	55,998	59,490
Other real estate owned	3,265	0
Accrued interest receivable	45,627	46,583
Goodwill	309,045	363,436
Other intangible assets, net	30,748	28,301
Other assets	318,553	313,051
Total assets	14,127,480	14,028,172
Liabilities
Noninterest-bearing deposits	2,804,930	2,914,161
Interest-bearing deposits	8,940,735	8,082,377
Total deposits	11,745,665	10,996,538
Federal Reserve Bank borrowings	0	300,000
Securities sold under retail repurchase agreements	68,911	75,032
Advances from FHLB	250,000	550,000
Subordinated debt	371,400	370,803
Total borrowings	690,311	1,295,835
Accrued interest payable and other liabilities	133,493	147,657
Total liabilities	12,569,469	12,440,030
Stockholders' equity
Common stock	45,140	44,914
Additional paid-in capital	748,905	742,243
Retained earnings	856,613	898,316
Accumulated other comprehensive loss	(92,647)	(97,331)
Total stockholders' equity	1,558,011	1,588,142
Total liabilities and stockholders' equity	14,127,480	14,028,172
Residential mortgage loans held for sale
Assets
Residential mortgage loans held for sale (at fair value)	22,757	10,836
SBA loans held for sale
Assets
Residential mortgage loans held for sale (at fair value)	$ 715	$ 0

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF CONDITION - (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Held-to-maturity debt securities, fair value	$ 177,854	$ 200,411
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	45,140,417	44,913,561
Common stock, shares outstanding (in shares)	45,140,417	44,913,561

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Interest income:
Interest and fees on loans	$ 609,571	$ 579,960	$ 462,121
Interest on deposits with banks	25,398	22,435	2,672
Interest and dividend income on investment securities:
Taxable	29,140	26,992	20,519
Tax-advantaged	7,082	7,224	9,609
Interest on federal funds sold	8	17	8
Total interest income	672,272	637,524	495,667
Interest expense:
Interest on deposits	303,173	225,028	43,854
Interest on retail repurchase agreements and federal funds purchased	5,259	14,452	2,929
Interest on advances from FHLB	20,259	27,709	7,825
Interest on subordinated debt	16,455	15,785	14,055
Total interest expense	345,146	282,974	68,663
Net interest income	327,126	354,550	427,004
Provision/ (credit) for credit losses	14,192	(17,561)	34,372
Net interest income after provision/ (credit) for credit losses	312,934	372,111	392,632
Non-interest income:
Investment securities losses	0	0	(345)
Gain on disposal of assets	0	0	16,516
Insurance agency commissions	0	0	2,927
Income from bank owned life insurance	7,496	4,210	3,141
Other income	10,620	8,483	8,694
Total non-interest income	79,315	67,078	87,019
Non-interest expense:
Salaries and employee benefits	159,858	160,192	158,504
Occupancy expense of premises	19,005	18,778	19,255
Equipment expenses	15,924	15,675	14,779
Marketing	5,363	5,103	5,197
Outside data services	12,642	11,186	10,199
FDIC insurance	11,396	9,461	4,792
Amortization of intangible assets	9,126	5,223	5,814
Merger, acquisition and disposal expense	4,164	0	1,068
Professional fees and services	21,208	17,982	9,169
Goodwill impairment loss	54,391	0	0
Other expenses	30,211	31,454	28,516
Total non-interest expense	343,288	275,054	257,293
Income before income tax expense	48,961	164,135	222,358
Income tax expense	29,026	41,291	56,059
Net income	$ 19,935	$ 122,844	$ 166,299
Net income per common share amounts:
Basic net income per common share (in dollars per share)	$ 0.44	$ 2.74	$ 3.69
Diluted net income per common share (in dollars per share)	0.44	2.73	3.68
Dividends declared per share (in dollars per share)	$ 1.36	$ 1.36	$ 1.36
Residential mortgage loans held for sale
Interest income:
Interest on mortgage loans held for sale	$ 1,050	$ 896	$ 738
SBA loans held for sale
Interest income:
Interest on mortgage loans held for sale	23	0	0
Service charges on deposit accounts
Non-interest income:
Fees and commissions, mortgage banking and servicing	11,763	10,447	9,803
Mortgage banking activities
Non-interest income:
Fees and commissions, mortgage banking and servicing	5,615	5,536	6,130
Wealth management income
Non-interest income:
Fees and commissions, mortgage banking and servicing	42,071	36,633	35,774
Bank card fees
Non-interest income:
Fees and commissions, mortgage banking and servicing	$ 1,750	$ 1,769	$ 4,379

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Net income	$ 19,935	$ 122,844	$ 166,299
Investments available-for-sale:
Net change in unrealized gains/ (losses) on investments available-for-sale	4,600	34,167	(152,196)
Related income tax (expense)/ benefit	(1,046)	(8,823)	38,762
Net investment losses reclassified into earnings	0	0	345
Related income tax benefit	0	0	(88)
Net effect on other comprehensive income/ (loss)	3,554	25,344	(113,177)
Investments held-to-maturity:
Net change in unrealized loss	1,498	1,726	(14,003)
Related income tax expense/ (benefit)	(368)	(452)	3,567
Net effect on other comprehensive income/ (loss)	1,130	1,274	(10,436)
Defined benefit pension plan:
Net change in unrealized losses	0	10,737	294
Related income tax benefit	0	(2,735)	(93)
Net effect on other comprehensive income/ (loss)	0	8,002	201
Total other comprehensive income/ (loss)	4,684	34,620	(123,412)
Comprehensive income	$ 24,619	$ 157,464	$ 42,887

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-In Capital	Retained Earnings	Accumulated Other Comprehensive Income/ (Loss)
Balance at beginning of period at Dec. 31, 2021	$ 1,519,679	$ 45,119	$ 751,072	$ 732,027	$ (8,539)
Net income	166,299			166,299
Other comprehensive loss, net of tax	(123,412)				(123,412)
Comprehensive income	42,887
Common stock dividends	(61,537)			(61,537)
Stock compensation expense	7,887		7,887
Stock option plan	293	14	279
Employee stock purchase plan	1,729	44	1,685
Restricted stock vesting, net of tax withholding	(2,183)	105	(2,288)
Repurchase of common stock	(24,987)	(625)	(24,362)
Balance at end of period at Dec. 31, 2022	1,483,768	44,657	734,273	836,789	(131,951)
Net income	122,844			122,844
Other comprehensive loss, net of tax	34,620				34,620
Comprehensive income	157,464
Common stock dividends	(61,317)			(61,317)
Stock compensation expense	7,631		7,631
Stock option plan	717	59	658
Employee stock purchase plan	1,540	65	1,475
Restricted stock vesting, net of tax withholding	(1,661)	133	(1,794)
Balance at end of period at Dec. 31, 2023	1,588,142	44,914	742,243	898,316	(97,331)
Net income	19,935			19,935
Other comprehensive loss, net of tax	4,684				4,684
Comprehensive income	24,619
Common stock dividends	(61,638)			(61,638)
Stock compensation expense	9,044		9,044
Stock option plan	131	12	119
Employee stock purchase plan	1,293	59	1,234
Restricted stock vesting, net of tax withholding	(3,580)	155	(3,735)
Balance at end of period at Dec. 31, 2024	$ 1,558,011	$ 45,140	$ 748,905	$ 856,613	$ (92,647)

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Stockholders' Equity [Abstract]
Dividends declared per share (in dollars per share)	$ 1.36	$ 1.36	$ 1.36
Stock option plan (in shares)	11,950	59,150	14,278
Employee stock purchase plan (in shares)	59,724	64,502	43,837
Restricted stock vesting, net of tax withholding (in shares)	155,182	132,855	105,719
Stock repurchased and retired (in shares)			625,710

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Operating activities:
Net income	$ 19,935	$ 122,844	$ 166,299
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization	26,286	22,006	11,906
Provision/ (credit) for credit losses - loans	14,192	(17,561)	34,372
Share based compensation expense	9,044	7,631	7,887
Goodwill impairment loss	54,391	0	0
Gain on disposal of assets	0	0	(16,516)
Deferred income tax / (benefit)	(427)	5,891	(9,491)
(Gains)/ losses on sale of other real estate owned	0	(66)	86
Investment securities (gains)/ losses	0	0	345
Tax benefit associated with share based compensation	470	295	(646)
Net (increase)/ decrease in accrued interest receivable	956	(5,411)	(6,823)
Net increase in other assets	(9,321)	(6,490)	(4,776)
Net increase/ (decrease) accrued expenses and other liabilities	(18,666)	6,176	9,686
Other, net	(513)	1,630	(3,710)
Net cash provided by operating activities	83,711	137,815	216,322
Investing activities:
Sales/ (purchases) of other investments	13,893
Sales/ (purchases) of other investments		(6,388)	(28,052)
Purchases of investments available-for-sale	(259,424)	(17,687)	(469,792)
Proceeds from sales of investment available-for-sale	0	0	18,087
Proceeds from maturities, calls and principal payments of investments available-for-sale	224,378	160,637	240,217
Proceeds from maturities, calls and principal payments of investments held-to-maturity	21,627	24,675	31,759
Net (increase)/ decrease in loans	(174,634)	30,971	(1,420,983)
Proceeds from the sales of other real estate owned	0	712	335
Proceeds from sale of business activity, net	0	0	23,822
Expenditures for premises and equipment	(16,154)	(13,982)	(14,589)
Net cash provided by/ (used in) investing activities	(190,314)	178,938	(1,619,196)
Financing activities:
Net increase in deposits	749,581	44,411	330,721
Net increase/ (decrease) in retail repurchase agreements, federal funds purchased and Federal Reserve Bank borrowings	(306,121)	53,065	180,881
Proceeds from FHLB advances	0	2,030,000	2,526,625
Repayment of FHLB advances	(300,000)	(2,030,000)	(1,976,625)
Proceeds from issuance of subordinated debt	0	0	200,000
Proceeds from issuance of common stock	1,359	2,417	2,192
Stock tendered for payment of withholding taxes	(3,513)	(1,821)	(2,353)
Repurchase of common stock	0	0	(24,987)
Dividends paid	(61,638)	(61,159)	(61,368)
Net cash provided by financing activities	79,668	36,913	1,175,086
Net increase/ (decrease) in cash and cash equivalents	(26,935)	353,666	(227,788)
Cash and cash equivalents at beginning of year	545,898	192,232	420,020
Cash and cash equivalents at end of year	518,963	545,898	192,232
Supplemental Disclosures:
Interest payments	358,943	263,473	62,240
Income tax payments, net of refunds of $2, $0 and $966 in 2024, 2023 and 2022	24,926	35,945	62,098
Transfers from loans to other real estate owned	3,265	0	0
Residential mortgage loans held for sale
Adjustments to reconcile net income to net cash provided by operating activities
Origination of mortgage loans held for sale	(371,882)	(367,910)	(363,204)
Proceeds from sales of mortgage loans held for sale	365,366	374,468	398,688
Gains on sales of mortgage loans held for sale	(5,405)	(5,688)	(7,781)
SBA loans held for sale
Adjustments to reconcile net income to net cash provided by operating activities
Origination of mortgage loans held for sale	(1,829)	0	0
Proceeds from sales of mortgage loans held for sale	1,211	0	0
Gains on sales of mortgage loans held for sale	$ (97)	$ 0	$ 0

CONSOLIDATED STATEMENTS OF CA_2

CONSOLIDATED STATEMENTS OF CASH FLOWS - Parenthetical - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Cash Flows [Abstract]
Income tax refunds	$ 2	$ 0	$ 966

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	SIGNIFICANT ACCOUNTING POLICIES Nature of Operations Sandy Spring Bancorp, Inc. ("Bancorp" or, together with its subsidiaries, the "Company"), a Maryland corporation, is the bank holding company for Sandy Spring Bank (the “Bank”). The Bank offers a broad range of commercial banking, retail banking, mortgage services and trust services throughout central Maryland, northern Virginia, and the greater Washington, D.C. market. The Bank also offers a comprehensive menu of wealth management services through its subsidiaries, West Financial Services, Inc. (“West Financial”) and SSB Wealth Management, Inc. (d/b/a Rembert Pendleton Jackson, "RPJ”) . Basis of Presentation The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America (“GAAP”) and prevailing practices within the financial services industry for financial information. The following summary of significant accounting policies of the Company is presented to assist the reader in understanding the financial and other data presented in this report. Certain prior period amounts have been reclassified to conform to the current period presentation. Such reclassifications had no impact on the Company’s net income and shareholders’ equity. The Company has evaluated subsequent events through the date of the issuance of its financial statements. Principles of Consolidation The consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Sandy Spring Bank and its subsidiaries. Consolidation has resulted in the elimination of all significant intercompany accounts and transactions. Use of Estimates The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements, in addition to affecting the reported amounts of revenues earned and expenses incurred during the reporting period. Actual results could differ from those estimates. Estimates that could change significantly relate to the provision for credit losses and the related allowance, potential impairment of goodwill or other intangible assets, valuation of investment securities and the determination of whether available-for-sale debt securities with fair values less than amortized costs are impaired and require an allowance for credit losses, valuation of other real estate owned, valuation of share based compensation, the assessment that a liability should be recognized with respect to any matters under litigation, and the calculation of current and deferred income taxes. Assets Under Management Assets held for others under fiduciary and agency relationships are not assets of the Company or its subsidiaries and are not included in the accompanying Consolidated Statements of Condition. Trust department income and investment management fees are presented on an accrual basis. Cash Flows For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, federal funds sold and interest-bearing deposits with banks (items with an original maturity of three months or less). Revenue from Contracts with Customers The Company’s revenue includes net interest income on financial instruments and non-interest income. Specific categories of revenue are presented in the Consolidated Statements of Income. Most of the Company’s revenue is not within the scope of Accounting Standard Codification (“ASC”) 606 – Revenue from Contracts with Customers. For revenue within the scope of ASC 606, the Company provides services to customers and has related performance obligations. The revenue from such services is recognized upon satisfaction of all contractual performance obligations. The following discusses key revenue streams within the scope of revenue recognition guidance. West Financial and RPJ provide comprehensive investment management and financial planning services. Wealth management income is comprised of income for providing trust, estate and investment management services. Trust services include acting as a trustee for corporate or personal trusts. Investment management services include investment management, record-keeping and reporting of security portfolios. Fees for these services are recognized based on a contractually-agreed fixed percentage applied to net assets under management at the end of each reporting period. The Company does not charge/recognize any performance-based fees. Service charges on deposit accounts are earned on depository accounts for consumer and commercial account holders and include fees for account and overdraft services. Account services include fees for event-driven services and periodic account maintenance activities. An obligation for event-driven services is satisfied at the time of the event when service is delivered and revenue recognized as earned. Obligation for maintenance activities is satisfied over the course of each month and revenue is recognized at month end. The overdraft services obligation is satisfied at the time of the overdraft and revenue is recognized as earned. Residential Mortgage Loans Held for Sale The Company engages in sales of residential mortgage loans originated by the Bank. Loans held for sale are carried at fair value. Fair value is derived from secondary market quotations for similar instruments. The Company measures residential mortgage loans at fair value when the Company first recognizes the loan (i.e., the fair value option). Changes in fair value of these loans are recorded in earnings as a component of mortgage banking activities in non-interest income in the Consolidated Statements of Income. The Company's current practice is to sell the majority of such loans on a servicing released basis. Any retained servicing assets are amortized in proportion to their net servicing fee income over the life of the respective loans. Servicing assets are evaluated for impairment on a periodic basis. Investments Held-to-maturity Debt securities that are purchased with the positive intent and ability to be held until their maturity are classified as held-to-maturity (“HTM”). HTM debt securities are recorded at cost adjusted for amortization of premiums and accretion of discounts. Transfers of debt securities from available-for-sale ("AFS") category to HTM category are made at fair value as of the transfer date. The unrealized gain or loss at the date of transfer continues to be reported in accumulated other comprehensive income and in the carrying amount of the HTM securities. Both amounts are amortized over the remaining life of the security as a yield adjustment in interest income and effectively offset each other. Investments Available-for-Sale Debt securities not classified as held-to-maturity or trading are classified as securities available-for-sale. Securities available-for-sale are acquired as part of the Company's asset/liability management strategy and may be sold in response to changes in interest rates, loan demand, changes in prepayment risk or other factors. Securities available-for-sale are carried at fair value, with unrealized gains or losses based on the difference between amortized cost and fair value, reported net of deferred tax, as accumulated other comprehensive income/ (loss), a separate component of stockholders' equity. The amortized cost of securities available-for-sale are adjusted for premium amortization and discount accretion. Premium is amortized to the earliest call date and discount accreted to the maturity date using the effective interest method. Realized gains and losses on security sales or maturities, using the specific identification method, are included as a separate component of non-interest income. Related interest and dividend income are included in interest income. Declines in the fair value of individual available-for-sale securities below their amortized cost due to credit-related factors are recognized as an allowance for credit losses. Credit-related factors affecting the determination of whether impairment has occurred include a downgrading of the security below investment grade by a rating agency or due to potential default, a significant deterioration in the financial condition of the issuer, increase in entity-specific credit spreads. Additionally, on any available-for-sale securities with unrealized losses, the Company evaluates its intent and ability to hold the investment for a period of time sufficient to allow for any anticipated recovery in fair value. Other Investments Equity securities include Federal Reserve Bank stock, Federal Home Loan Bank of Atlanta ("FHLB") stock and other equities that are considered restricted as to marketability and recorded at cost. As these securities do not have readily available market values, they are carried at cost and adjusted for any necessary impairments each reporting period. Loan Financing Receivables The Company’s financing receivables consist primarily of loans that are stated at their principal balance outstanding, net of any unearned income, acquisition fair value marks and deferred loan origination fees and costs. Interest income on loans is accrued at the contractual rate based on the principal balance outstanding. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method. Loans are considered past due or delinquent when the principal or interest due in accordance with the contractual terms of the loan agreement or any portion thereof remains unpaid after the due date of the scheduled payment. Immaterial shortfalls in payment amounts do not necessarily result in a loan being considered delinquent or past due. If any payments are past due and subsequent payments are resumed without payment of the delinquent amount, the loan shall continue to be considered past due. Whenever any loan is reported delinquent on a principal or interest payment or portion thereof, the amount reported as delinquent is the outstanding principal balance of the loan. Loans, except for consumer installment loans, are placed into non-accrual status when any portion of the loan principal or interest becomes 90 days past due. Management may determine that certain circumstances warrant earlier discontinuance of interest accruals on specific loans if an evaluation of other relevant factors (such as bankruptcy, interruption of cash flows, etc.) indicates collection of amounts contractually due is unlikely. These loans are considered, collectively, to be non-performing loans. Consumer installment loans that are not secured by real estate are not placed on non-accrual, but are charged down to their net realizable value when they are four months past due. Loans designated as non-accrual have all previously accrued but unpaid interest reversed. Interest income is not recognized on non-accrual loans. All payments received on non-accrual loans are applied using a cost-recovery method to reduce the outstanding principal balance until the loan returns to accrual status. Loans may be returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured. On January 1, 2023, the Company adopted provisions of ASU 2022-02, "Financial Instruments - Credit Losses (Topic 326)", which eliminated accounting guidance for troubled debt restructurings ("TDRs") by creditors and expanded disclosures about modifications. Prior to the effective adoption date, the Company considered loans to be TDRs if their terms were restructured (e.g., interest rates, loan maturity date, payment and amortization period, etc.) in circumstances that provided a payment concession to a borrower experiencing financial difficulty. Loans could be removed from a TDR category if the borrower no longer experienced financial difficulty, a re-underwriting event took place, and the revised loan terms of the subsequent restructuring agreement were considered to be consistent with terms that could be obtained in the market for loans with comparable credit risk. Subsequent to the effective adoption date of ASU 2022-02, the Company continues to offer modifications to certain borrowers experiencing financial difficulty, mainly in the form of interest rate concessions or term extensions, without classifying and accounting for them as TDRs. Allowance for Credit Losses The allowance for credit losses (“allowance” or “ACL”) represents an amount which, in management's judgment, reflects the lifetime expected losses that may be sustained on outstanding loans at the balance sheet date based on the evaluation of the size and current risk characteristics of the loan portfolio, past events, current conditions, reasonable and supportable forecasts of future economic conditions and prepayment experience. The allowance is measured and recorded upon the initial recognition of a financial asset. The allowance is reduced by charge-offs, net of recoveries of previous losses, and is increased or decreased by a provision or credit for credit losses, which is recorded as a current period expense. Determination of the appropriateness of the allowance is inherently complex and requires the use of significant and highly subjective estimates. The reasonableness of the allowance is reviewed by the Risk Committee of the Board of Directors and formally approved quarterly by that same committee of the Board. The Company’s methodology for estimating the allowance includes: (1) a collective quantified reserve that reflects the Company’s historical default and loss experience adjusted for expected economic conditions throughout a two year reasonable and supportable period, followed by a two year reversion period, and the Company’s prepayment and curtailment rates; (2) collective qualitative factors that consider the expected impact of certain factors not fully captured in the collective quantified reserve, including concentrations of the loan portfolio, expected changes to the economic forecasts, large relationships, early delinquencies, and factors related to credit administration, including, among others, loan-to-value ratios, borrowers’ risk rating and credit score migrations; and (3) individual allowances on collateral-dependent loans where borrowers are experiencing financial difficulty or when the Company determines that the foreclosure is probable. The Company excludes accrued interest from the measurement of the allowance as the Company has a non-accrual policy to reverse any accrued, uncollected interest income as loans are moved to non-accrual status. Loans are pooled into segments based on the similar risk characteristics of the underlying borrowers, in addition to consideration of collateral type, industry and business purpose of the loans. Portfolio segments used to estimate the allowance are the same as portfolio segments used for general credit risk management purposes. Refer to Note 4 for more details on the Company’s portfolio segments. The Company applies two calculation methodologies to estimate the collective quantified component of the allowance: expected loss method and weighted average remaining life method. Allowance estimates on commercial acquisition, development and construction (“AD&C”) and residential construction segments are based on the weighted average remaining life method. Allowance estimates on all other portfolio segments are based on the expected loss method. Collective calculation methodologies utilize the Company’s historical default and loss experience adjusted for future economic forecasts. The reasonable and supportable forecast period represents a two-year economic outlook for the applicable economic variables. Following the end of the reasonable and supportable forecast period expected losses revert back to the historical mean over the next two years on a straight-line basis. Economic variables that have the most significant impact on the allowance include: unemployment rate, gross domestic product, commercial real estate price index, residential real estate house price index and business bankruptcies. Contractual loan level cash flows within the expected loss methodology are adjusted for the Company’s historical prepayment and curtailment rate experience. The individual reserve assessment is applied to collateral dependent loans where borrowers are experiencing financial difficulty or when the Company determines that a foreclosure is probable. The determination of the fair value of the collateral depends on whether a repayment of the loan is expected to be from the sale or the operation of the collateral. When a repayment is expected from the operation of the collateral, the Company uses the present value of expected cash flows from the operation of the collateral as the fair value. When the repayment of the loan is expected from the sale of the collateral the fair value of the collateral is based on an observable market price or the collateral’s appraised value, less estimated costs to sell. Third-party appraisals used in the individual reserve assessment are conducted at least annually with underlying assumptions that are reviewed by management. Third-party appraisals may be obtained on a more frequent basis if deemed necessary. Internal evaluations of collateral value are conducted quarterly to ensure any further deterioration of the collateral value is recognized on a timely basis. During the individual reserve assessment, management also considers the potential future changes in the value of the collateral over the remainder of the loan’s remaining life. The Company may receive updated appraisals which contradict the preliminary determination of fair value used to establish an individual allowance on a loan. In these instances the individual allowance is adjusted to reflect the Company’s evaluation of the updated appraised fair value. In the event a loss was previously confirmed and the loan was charged down to the estimated fair value based on a previous appraisal, the balance of partially charged-off loans are not subsequently increased, but could be further decreased depending on the direction of the change in fair value. Payments on fully or partially charged-off loans are accounted for under the cost-recovery method. Under this method, all payments received are applied on a cash basis to reduce the entire outstanding principal balance, then to recognize a recovery of all previously charged-off amounts before any interest income may be recognized. Based on the individual reserve assessment, if the Company determines that the fair value of the collateral is less than the amortized cost basis of the loan, an individual allowance will be established measured as the difference between the fair value of the collateral (less costs to sell) and the amortized cost basis of the loan. Once a loss has been confirmed, the loan is charged-down to its estimated fair value. Large groups of smaller non-accrual homogeneous loans are not individually evaluated for allowance and include residential permanent and construction mortgages and consumer installment loans. These portfolios are reserved for on a collective basis using historical loss rates of similar loans over the weighted average life of each pool. Unfunded lending commitments are reviewed to determine if they are considered unconditionally cancellable. The Company establishes reserves for unfunded commitments that do not meet that criteria as a liability in the Consolidated Statements of Condition. Changes to the liability are recorded through the provision for credit losses in the Consolidated Statements of Income. The establishment of the reserves for unfunded commitments considers both the likelihood that the funding will occur and an estimate of the expected credit losses over the life of the respective commitments. Management believes it uses relevant information available to make determinations about the allowance for credit losses and the reserve for unfunded commitments and that it has established both reserves in accordance with GAAP. However, the determination of the allowance requires significant judgment, and estimates of expected lifetime losses in the loan portfolio can vary significantly from the amounts actually observed. While management uses available information to recognize expected losses, future additions to the allowance may be necessary based on changes in the loans comprising the portfolio, changes in the current and forecasted economic conditions, changes to the interest rate environment which may directly impact prepayment and curtailment rate assumptions, and changes in the financial condition of borrowers. Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation and amortization, computed using the straight-line method. Premises and equipment are depreciated over the useful lives of the assets, which generally range from 3 to 10 years for furniture, fixtures and equipment, 3 to 5 years for computer software and hardware, and 10 to 40 years for buildings and building improvements. Leasehold improvements are amortized over the lesser of the lease term or the estimated useful lives of the improvements. The costs of major renewals and betterments are capitalized, while the costs of ordinary maintenance and repairs are included in non-interest expense. Leases The Company determines if an arrangement is a lease at inception. All of the Company’s leases are currently classified as operating leases and are included in other assets and other liabilities on the Company’s Consolidated Statements of Condition. Periodic operating lease costs are recorded in occupancy expenses of premises on the Company's Consolidated Statements of Income. Right-of-use (“ROU”) assets represent the Company’s right to use an underlying asset for the lease term, and lease liabilities represent the Company’s obligation to make lease payments arising from the lease arrangements. Operating lease ROU assets and liabilities are recognized at the lease commencement date based on the present value of the expected future lease payments over the remaining lease term. In determining the present value of future lease payments, the Company uses its incremental borrowing rate based on the information available at the lease commencement date. The operating ROU assets are adjusted for any lease payments made at or before the lease commencement date, initial direct costs, any lease incentives received and, for acquired leases, any favorable or unfavorable fair value adjustments. The present value of the lease liability may include the impact of options to extend or terminate the lease when it is reasonably certain that the Company will exercise such options provided in the lease terms. Lease expense is recognized on a straight-line basis over the expected lease term. Lease agreements that include lease and non-lease components, such as common area maintenance charges, are accounted for separately. Segment Reporting Operating segments are components of a business about which separate financial information is available and evaluated regularly by the Chief Executive Officer, who is the designated chief operating decision maker, in deciding how to allocate resources and assessing performance. The Bank is the Company’s only reportable operating segment upon which management makes decisions regarding how to allocate resources and assess performance. While the Company’s chief operating decision maker has some limited financial information about its various financial products and services, that information is not complete since it does not include a full allocation of revenue, costs, and capital from key corporate functions; therefore, the Company evaluates financial performance on a company-wide basis. Management continues to evaluate the Company's business units for separate reporting as facts and circumstances change. The Company's single reportable segment, the Bank, includes revenues from interest income from financial instruments and non-interest income, which include wealth management and service charges on deposit accounts. Segment performance is evaluated using net income that is also reported on the Consolidated Statement of Income. The measure of segment assets is reported on the Consolidated Statements of Condition as total assets. The chief operating decision maker evaluates the financial performance of the Company's segment using net income to monitor budget versus actual results and in determination of allocating resources. The Company does not have intra-entity sales or transfers. Goodwill and Other Intangible Assets Goodwill represents the excess purchase price paid over the fair value of the net assets acquired in a business combination. Goodwill is not amortized but is tested for impairment annually or more frequently if events or changes in circumstances indicate that the asset might be impaired. The current accounting guidance provides the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that the fair value of a reporting unit is less than its carrying amount. The Company assesses qualitative factors on a quarterly basis. Based on the assessment of these qualitative factors, if it is determined that it is more likely than not that the fair value of a reporting unit remains in excess of the carrying value, then performing a quantitative impairment test is not necessary. However, if it is determined that it is more likely than not that the carrying value exceeds the fair value, a quantitative analysis is required to determine whether an impairment exists. Annually, the Company performs an impairment test of goodwill as of October 1 of each year. As of October 1, 2023, the Company’s annual goodwill impairment assessment date, the Company performed an impairment test for its two reporting units: Community Banking and Investment Management. The results of the 2023 annual goodwill impairment test for the two reporting units, which included both qualitative and quantitative assessments, indicated that the estimated fair value of each reporting unit exceeded its carrying amount and that the goodwill assigned to the Community Banking reporting unit may be at risk of impairment in future periods. The Company provided detailed disclosures regarding the 2023 impairment analysis and the results of the testing in its annual financial statements for the year ended December 31, 2023 in its 2023 Annual Report on Form 10-K. In addition to the annual impairment testing process, on a quarterly basis, the Company monitors each reporting unit for any triggering events and performs qualitative assessments of impairment indicators. During 2024, management performed both quarterly qualitative assessments and an annual quantitative impairment test. In the annual quantitative impairment test, the Agreement and Plan of Merger ("Merger Agreement") with Atlantic Union Bankshares Corporation ("Altantic Union") entered by the Company on October 21, 2024 was used as the most accurate market data point to evaluate the fair value of the reporting units. The Company's annual impairment test of goodwill using the transaction terms from the Merger Agreement resulted in an implied deal value of $1,574.4 million. Compared to the book value of equity of $1,628.8 million as of October 1, 2024, a goodwill impairment charge of $54.4 million was recorded. Management allocated the entire goodwill impairment charge to the Community Banking reporting unit based on the immaterial size of the Investment Management reporting unit relative to the Consolidated Bancorp for both asset and equity. Finally, management further evaluated any potential triggering events between the date of the annual impairment test and December 31, 2024, concluding that no such events occurred. Other intangible assets have finite lives and are reviewed for impairment annually. These assets are amortized over their estimated useful lives on a straight-line or sum-of-the-years basis over varying periods that initially did not exceed 15 years. Intangible assets are reviewed or analyzed periodically to determine if it appears that their value has diminished beyond the value in the financial statements. The review of the intangible assets did not indicate that any impairment occurred during 2024. Other Real Estate Owned OREO is comprised of properties acquired in partial or total satisfaction of problem loans. The properties are recorded at fair value less estimated costs of disposal, on the date acquired or on the date that the Company acquires effective control over the property. Gains or losses arising at the time of acquisition of such properties are charged against the allowance for credit losses. During the holding period OREO continues to be measured at lower of cost or fair value less estimated costs of disposal, and any subsequent declines in value are expensed as incurred. Gains and losses realized from the sale of OREO, as well as valuation adjustments and expenses of operation are included in non-interest expense. Derivative Financial Instruments Derivative Loan Commitments Mortgage loan commitments are derivative loan commitments if the loan that will result from exercise of the commitment will be held for sale upon funding. Derivative loan commitments are recognized at fair value in the Consolidated Statements of Condition in other assets or other liabilities with changes in their fair values recorded as a component of mortgage banking activities in the Consolidated Statements of Income. Mortgage loan commitments are issued to borrowers. Subsequent to commitment date, changes in the fair value of the loan commitment are recognized based on changes in the fair value of the underlying mortgage loan due to interest rate changes, changes in the probability the derivative loan commitment will be exercised, and the passage of time. In estimating fair value, a probability is assigned to a loan commitment based on an expectation that it will be exercised and the loan will be funded. Forward Loan Sale Commitments Loan sales agreements are evaluated to determine whether they meet the definition of a derivative as facts and circumstances may differ significantly. If agreements qualify, to protect against the price risk inherent in derivative loan commitments, the Company utilizes both “mandatory delivery” and “best efforts” forward loan sale commitments to mitigate the risk of potential decreases in the values of loans that would result from the exercise of the derivative loan commitments. Mandatory delivery contracts are accounted for as derivative instruments. Generally, best efforts contracts also meet the definition of derivative instruments after the loan to the borrower has closed. Accordingly, forward loan sale commitments that economically hedge the closed loan inventory are recognized at fair value in the Consolidated Statements of Condition in other assets or other liabilities with changes in their fair values recorded as a component of mortgage banking activities in the Consolidated Statements of Income. The Company estimates the fair value of its forward loan sales commitments using a methodology similar to that used for derivative loan commitments. Interest Rate Swap Agreements The Company enters into interest rate swaps (“swaps”) with commercial loan customers to provide a facility to mitigate the fluctuations in the variable rate on the respective loans. These swaps are matched in exact offsetting terms to swaps that the Company enters into with an outside third party. The swaps are reported at fair value in other assets or other liabilities in the Consolidated Statements of Condition. The Company's swaps qualify as derivatives, but are not designated as hedging instruments, thus any net gain or loss resulting from changes in the fair value is recognized in other non-interest income in the Consolidated Statements of Income. Further discussion of the Company's financial derivatives is set forth in Note 18. Off-Balance Sheet Credit Risk The Company issues financial or standby letters of credit that represent conditional commitments to fund transactions by the Company, typically to guarantee performance of a customer to a third-party related to borrowing arrangements. The credit risk associated with issuing letters of credit is essentially the same as occurs when extending loan facilities to borrowers. The Company monitors the exposure to the letter

CASH AND DUE FROM BANKS

CASH AND DUE FROM BANKS	12 Months Ended
	Dec. 31, 2024
Cash and Cash Equivalents [Abstract]
CASH AND DUE FROM BANKS	CASH AND DUE FROM BANKS The Federal Reserve Act requires that banks maintain cash reserve balances with the Federal Reserve Bank based principally on the type and amount of their deposits. At its option, the Company maintains additional balances to compensate for clearing and safekeeping services. The average balance maintained in 2024 was $488.5 million and in 2023 was $429.2 million.

INVESTMENTS

INVESTMENTS	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
INVESTMENTS	INVESTMENTS Investments available-for-sale and held-to-maturity The amortized cost and estimated fair values of investments available-for-sale and held-to-maturity at December 31 are presented in the following table: 2024 2023 (In thousands) Amortized Cost Gross Unrealized Gross Unrealized Estimated Fair Amortized Cost Gross Unrealized Gross Unrealized Estimated Fair Available-for-sale debt securities U.S. treasuries and government agencies $ 84,420 $ — $ (2,106) $ 82,314 $ 101,678 $ — $ (4,751) $ 96,927 State and municipal 281,837 1 (46,904) 234,934 311,505 1 (43,292) 268,214 Mortgage-backed and asset-backed 888,064 195 (64,724) 823,535 807,636 181 (70,277) 737,540 Total available-for-sale debt securities $ 1,254,321 $ 196 $ (113,734) $ 1,140,783 $ 1,220,819 $ 182 $ (118,320) $ 1,102,681 Held-to-maturity debt securities: Mortgage-backed and asset-backed 215,747 — (37,893) 177,854 236,165 — (35,754) 200,411 Total held-to-maturity debt securities $ 215,747 $ — $ (37,893) $ 177,854 $ 236,165 $ — $ (35,754) $ 200,411 Total debt securities $ 1,470,068 $ 196 $ (151,627) $ 1,318,637 $ 1,456,984 $ 182 $ (154,074) $ 1,303,092 Any unrealized losses in the U.S. treasuries and government agencies, state and municipal, mortgage-backed and asset-backed available-for-sale debt securities at December 31, 2024 are due to changes in interest rates and not credit-related events. As such, no allowance for credit losses is required at December 31, 2024. Unrealized losses on available-for-sale debt securities are expected to recover over time as these securities approach maturity. The Company does not intend to sell, nor is it more likely than not it will be required to sell, these securities and has sufficient liquidity to hold these securities for an adequate period of time, which may be maturity, to allow for any anticipated recovery in fair value. All held-to-maturity investments are either issued by a direct governmental entity or a government-sponsored entity and have no historical evidence supporting expected credit losses. Therefore, the Company has estimated these losses at zero and will monitor this assumption in the future for any economic or governmental policies that could affect this assumption. The available-for-sale and held-to-maturity mortgage-backed and asset-backed securities portfolio at December 31, 2024 is composed entirely of either the most senior tranches of GNMA, FNMA or FHLMC collateralized mortgage obligations ($505.1 million), GNMA, FNMA or FHLMC mortgage-backed securities ($557.6 million) and SBA asset-backed securities ($41.2 million). Accrued interest receivable on investment securities totaled $5.3 million at December 31, 2024 and $5.4 million at December 31, 2023, and is excluded from the amortized cost and fair value of the securities. Gross unrealized losses and fair values by length of time that individual available-for-sale securities have been in an unrealized loss position at December 31 are presented in the following tables: December 31, 2024 Number Less Than 12 Months 12 Months or More Total (Dollars in thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. treasuries and government agencies 7 $ — $ — $ 82,314 $ 2,106 $ 82,314 $ 2,106 State and municipal 116 2,979 213 226,234 46,691 229,213 46,904 Mortgage-backed and asset-backed 353 223,136 3,491 552,517 61,233 775,653 64,724 Total 476 $ 226,115 $ 3,704 $ 861,065 $ 110,030 $ 1,087,180 $ 113,734 December 31, 2023 Number Less Than 12 Months 12 Months or More Total (Dollars in thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. treasuries and government agencies 10 $ — $ — $ 96,927 $ 4,751 $ 96,927 $ 4,751 State and municipal 123 4,162 84 262,081 43,208 266,243 43,292 Mortgage-backed and asset-backed 321 22,731 106 691,281 70,171 714,012 70,277 Total 454 $ 26,893 $ 190 $ 1,050,289 $ 118,130 $ 1,077,182 $ 118,320 The Company has allocated mortgage-backed and asset-backed securities into the four maturity groupings reflected in the following table using the expected average life of the individual securities based on statistics provided by independent third-party industry sources. Expected maturities will differ from contractual maturities as borrowers may have the right to prepay obligations with or without prepayment penalties. The estimated fair values and amortized costs of available-for-sale and held-to-maturity debt securities by contractual maturity at December 31 are provided in the following table: December 31, 2024 December 31, 2023 (In thousands) Fair Value Amortized Cost Fair Value Amortized Cost U.S. treasuries and government agencies: One year or less $ 58,341 $ 59,634 $ 17,798 $ 17,979 One to five years 23,973 24,786 79,129 83,699 Five to ten years — — — — After ten years — — — — State and municipal: One year or less 19,285 19,467 22,345 22,793 One to five years 14,447 15,286 33,282 34,288 Five to ten years 56,396 66,696 46,355 54,487 After ten years 144,806 180,388 166,232 199,937 Mortgage-backed and asset-backed: One year or less 9,493 9,503 20,814 21,111 One to five years 20,937 21,347 29,823 30,666 Five to ten years 273,282 293,839 256,924 280,209 After ten years 519,823 563,375 429,979 475,650 Total available-for-sale debt securities $ 1,140,783 $ 1,254,321 $ 1,102,681 $ 1,220,819 December 31, 2024 December 31, 2023 (In thousands) Fair Value Amortized Cost Fair Value Amortized Cost Held-to-maturity debt securities Mortgage-backed and asset-backed: One year or less — — — — One to five years — — — — Five to ten years 27,357 30,059 31,434 34,458 After ten years 150,497 185,688 168,977 201,707 Total held-to-maturity debt securities $ 177,854 $ 215,747 $ 200,411 $ 236,165 At December 31, 2024 and 2023, available-for-sale and held-to-maturity debt securities with a book value of $468.9 million and $729.0 million, respectively, were pledged as collateral for certain government deposits and for other purposes as required or permitted by law. The outstanding balance of no single issuer, except for U.S. government agency securities, exceeded ten percent of stockholders' equity at December 31, 2024 and 2023. Other Investments Other investments are presented in the following table: (In thousands) 2024 2023 Federal Reserve Bank stock, at cost $ 39,346 $ 39,125 Federal Home Loan Bank of Atlanta stock, at cost 21,691 35,805 Other 677 677 Total other investments, at cost $ 61,714 $ 75,607 Investment securities gains/ (losses) Gross realized gains and losses on all investments for the years ended December 31 are presented in the following table: (In thousands) 2024 2023 2022 Gross realized gains from sales of investments available-for-sale $ — $ — $ 8 Gross realized losses from sales of investments available-for-sale — — (393) Net gains from calls of investments available-for-sale — — 40 Net investment securities losses $ — $ — $ (345)

LOANS

LOANS	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
LOANS	LOANS The lending business of the Company is based on understanding, measuring and controlling the credit risk inherent in the loan portfolio. The Company’s loan portfolio is subject to varying degrees of credit risk. Credit risk entails both general risks, which are inherent in the process of lending, and risk specific to individual borrowers. The Company’s credit risk is mitigated through portfolio diversification, which limits exposure to any single customer, industry or collateral type. Outstanding loan balances at December 31, 2024 and 2023 are net of unearned income, including net deferred loan fees of $5.8 million and $7.0 million, respectively. The loan portfolio segment balances at December 31 are presented in the following table: (In thousands) 2024 2023 Commercial real estate: Commercial investor real estate $ 4,779,593 $ 5,104,425 Commercial owner-occupied real estate 1,748,772 1,755,235 Commercial AD&C 1,327,292 988,967 Commercial business 1,653,135 1,504,880 Total commercial loans 9,508,792 9,353,507 Residential real estate: Residential mortgage 1,537,589 1,474,521 Residential construction 49,028 121,419 Consumer 442,557 417,542 Total residential and consumer loans 2,029,174 2,013,482 Total loans $ 11,537,966 $ 11,366,989 Portfolio Segments The Company currently manages its credit products and the respective exposure to credit losses (credit risk) by the following specific portfolio segments which are levels at which the Company develops and documents its systematic methodology to determine the allowance for credit losses attributable to each respective portfolio segment. These segments are: • Commercial investor real estate loans - Commercial investor real estate loans consist of loans secured by nonowner-occupied properties where an established banking relationship exists and involves investment properties for warehouse, retail, and office space with a history of occupancy and cash flow. This commercial investor real estate category contains mortgage loans to the developers and owners of commercial real estate where the borrower intends to operate or sell the property at a profit and use the income stream or proceeds from the sale(s) to repay the loan. • Commercial owner-occupied real estate loans - Commercial owner-occupied real estate loans consist of commercial mortgage loans secured by owner-occupied properties where an established banking relationship exists and involves a variety of property types to conduct the borrower’s operations. The decision to extend a loan is based upon the borrower’s financial health and the ability of the borrower and the business to repay. The primary source of repayment for this type of loan is the cash flow from the operations of the business. • Commercial acquisition, development and construction loans - Commercial acquisition, development and construction loans are intended to finance the construction of commercial properties and include loans for the acquisition and development of land. Construction loans represent a higher degree of risk than permanent real estate loans and may be affected by a variety of additional factors such as the borrower’s ability to control costs and adhere to time schedules and the risk that constructed units may not be absorbed by the market within the anticipated time frame or at the anticipated price. The loan commitment on these loans often includes an interest reserve that allows the lender to periodically advance loan funds to pay interest charges on the outstanding balance of the loan. • Commercial business loans - Commercial business loans are made to provide funds for equipment and general corporate needs. Repayment of a loan primarily comes from the funds obtained from the operation of the borrower’s business. Commercial business loans also include lines of credit that are utilized to finance a borrower’s short-term credit needs and/or to finance a percentage of eligible receivables and inventory. • Residential mortgage loans - The residential mortgage loans category contains permanent mortgage loans principally to consumers secured by residential real estate. Residential real estate loans are evaluated for the adequacy of repayment sources at the time of approval, based upon measures including credit scores, debt-to-income ratios, and collateral values. Loans may be either conforming or non-conforming. • Residential construction loans - The Company makes residential construction loans generally to provide interim financing on residential property during the construction period. Borrowers are typically individuals who will ultimately occupy the single-family dwelling. Loan funds are disbursed periodically as pre-specified stages of completion are attained based upon site inspections . • Consumer loans - This category of loans includes primarily home equity loans and lines, installment loans, personal lines of credit, and other loans. The home equity category consists mainly of revolving lines of credit to consumers which are secured by residential real estate. These loans are typically secured with second mortgages on the homes. Other consumer loans include installment loans used by customers to purchase automobiles, boats and recreational vehicles. Loans to Related Parties Certain directors and executive officers have loan transactions with the Company. The following schedule summarizes changes in amounts of loans outstanding, both direct and indirect, to these persons during the periods indicated: (In thousands) 2024 2023 Balance at January 1 $ 67,154 $ 60,856 Additions 20,658 9,543 Repayments (5,258) (3,245) Balance at December 31 $ 82,554 $ 67,154

CREDIT QUALITY ASSESSMENT

CREDIT QUALITY ASSESSMENT	12 Months Ended
	Dec. 31, 2024
Credit Loss [Abstract]
CREDIT QUALITY ASSESSMENT	CREDIT QUALITY ASSESSMENT Allowance for Credit Losses - Loans Summary information on the allowance for credit loss activity for the years ended December 31 is provided in the following table: (In thousands) 2024 2023 2022 Balance at beginning of year $ 120,865 $ 136,242 $ 109,145 Provision/ (credit) for credit losses - loans 17,255 (13,894) 26,680 Loans charge-offs (4,608) (2,614) (1,105) Loans recoveries 889 1,131 1,522 Net (charge-offs)/ recoveries (3,719) (1,483) 417 Balance at period end $ 134,401 $ 120,865 $ 136,242 The following table provides summary information regarding collateral dependent loans individually evaluated for credit loss at the dates indicated: (In thousands) 2024 2023 Collateral dependent loans individually evaluated for credit loss with an allowance $ 94,965 $ 72,179 Collateral dependent loans individually evaluated for credit loss without an allowance 22,015 15,989 Total individually evaluated collateral dependent loans $ 116,980 $ 88,168 Allowance for credit losses related to loans evaluated individually $ 37,538 $ 24,000 Allowance for credit losses related to loans evaluated collectively 96,863 96,865 Total allowance for credit losses - loans $ 134,401 $ 120,865 The following tables provide information on the activity in the allowance for credit losses by the respective loan portfolio segment for the years ended December 31: 2024 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Balance as of December 31, 2023 $ 61,439 $ 7,536 $ 8,287 $ 31,932 $ 8,890 $ 729 $ 2,052 $ 120,865 Provision/ (credit) for credit losses - loans (3,333) (2,255) 20,167 1,952 294 (526) 956 17,255 Charge-offs (401) — (135) (3,481) (50) — (541) (4,608) Recoveries 12 111 353 53 59 — 301 889 Net (charge-offs)/ recoveries (389) 111 218 (3,428) 9 — (240) (3,719) Balance at end of period $ 57,717 $ 5,392 $ 28,672 $ 30,456 $ 9,193 $ 203 $ 2,768 $ 134,401 Total loans $ 4,779,593 $ 1,748,772 $ 1,327,292 $ 1,653,135 $ 1,537,589 $ 49,028 $ 442,557 $ 11,537,966 Allowance for credit losses on loans to total loans ratio 1.21 % 0.31 % 2.16 % 1.84 % 0.60 % 0.41 % 0.63 % 1.16 % Average loans $ 4,929,894 $ 1,740,376 $ 1,180,100 $ 1,561,616 $ 1,518,170 $ 77,276 $ 422,260 $ 11,429,692 Net charge-offs/ (recoveries) to average loans 0.01 % (0.01) % (0.02) % 0.22 % — % — % 0.06 % 0.03 % Balance of loans individually evaluated for credit loss $ 71,068 $ 7,008 $ 31,314 $ 7,590 $ — $ — $ — $ 116,980 Allowance related to loans evaluated individually $ 18,313 $ 78 $ 13,706 $ 5,441 $ — $ — $ — $ 37,538 Individual allowance to loans evaluated individually ratio 25.77 % 1.11 % 43.77 % 71.69 % — % — % — % 32.09 % Contractual balance of individually evaluated loans $ 72,925 $ 8,182 $ 31,327 $ 8,764 $ — $ — $ — $ 121,198 Balance of loans collectively evaluated for credit loss $ 4,708,525 $ 1,741,764 $ 1,295,978 $ 1,645,545 $ 1,537,589 $ 49,028 $ 442,557 $ 11,420,986 Allowance related to loans evaluated collectively $ 39,404 $ 5,314 $ 14,966 $ 25,015 $ 9,193 $ 203 $ 2,768 $ 96,863 Collective allowance to loans evaluated collectively ratio 0.84 % 0.31 % 1.15 % 1.52 % 0.60 % 0.41 % 0.63 % 0.85 % 2023 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Balance as of December 31, 2022 $ 64,737 $ 11,646 $ 18,646 $ 28,027 $ 9,424 $ 1,337 $ 2,425 $ 136,242 Provision/ (credit) for credit losses - loans (3,323) (4,215) (10,359) 4,051 (488) (608) 1,048 (13,894) Charge-offs — — — (449) (160) — (2,005) (2,614) Recoveries 25 105 — 303 114 — 584 1,131 Net (charge-offs)/ recoveries 25 105 — (146) (46) — (1,421) (1,483) Balance at end of period $ 61,439 $ 7,536 $ 8,287 $ 31,932 $ 8,890 $ 729 $ 2,052 $ 120,865 Total loans $ 5,104,425 $ 1,755,235 $ 988,967 $ 1,504,880 $ 1,474,521 $ 121,419 $ 417,542 $ 11,366,989 Allowance for credit losses on loans to total loans ratio 1.20 % 0.43 % 0.84 % 2.12 % 0.60 % 0.60 % 0.49 % 1.06 % Average loans $ 5,133,279 $ 1,766,839 $ 1,023,669 $ 1,440,382 $ 1,380,496 $ 187,599 $ 421,963 $ 11,354,227 Net charge-offs/ (recoveries) to average loans — % (0.01) % — % 0.01 % — % — % 0.34 % 0.01 % Balance of loans individually evaluated for credit loss $ 72,218 $ 4,640 $ 1,259 $ 10,051 $ — $ — $ — $ 88,168 Allowance related to loans evaluated individually $ 15,353 $ 1,159 $ 102 $ 7,386 $ — $ — $ — $ 24,000 Individual allowance to loans evaluated individually ratio 21.26 % 24.98 % 8.10 % 73.49 % — % — % — % 27.22 % Contractual balance of individually evaluated loans $ 72,712 $ 5,623 $ 1,270 $ 11,500 $ — $ — $ — $ 91,105 Balance of loans collectively evaluated for credit loss $ 5,032,207 $ 1,750,595 $ 987,708 $ 1,494,829 $ 1,474,521 $ 121,419 $ 417,542 $ 11,278,821 Allowance related to loans evaluated collectively $ 46,086 $ 6,377 $ 8,185 $ 24,546 $ 8,890 $ 729 $ 2,052 $ 96,865 Collective allowance to loans evaluated collectively ratio 0.92 % 0.36 % 0.83 % 1.64 % 0.60 % 0.60 % 0.49 % 0.86 % The following table presents average principal balance of total non-accrual loans and contractual interest due on non-accrual loans for the periods indicated below: 2024 Commercial Real Estate Residential Real Estate Total (In thousands) Commercial Commercial Commercial Commercial Residential Mortgage Residential Construction Consumer Average non-accrual loans for the period $ 56,682 $ 7,611 $ 16,453 $ 8,063 $ 11,749 $ 536 $ 4,092 $ 105,186 Contractual interest income due on non-accrual loans during the period $ 3,629 $ 466 $ 800 $ 553 $ 583 $ 27 $ 375 $ 6,433 2023 Commercial Real Estate Residential Real Estate Total (In thousands) Commercial Commercial Commercial Commercial Residential Mortgage Residential Construction Consumer Average non-accrual loans for the period $ 28,650 $ 4,795 $ 812 $ 9,640 $ 10,547 $ 223 $ 4,146 $ 58,813 Contractual interest income due on non-accrual loans during the period $ 760 $ 298 $ 41 $ 716 $ 432 $ 6 $ 299 $ 2,552 There was no interest income recognized on non-accrual loans during the year ended December 31, 2024. See Note 1 for additional information on the Company's policies for non-accrual loans. Loans designated as non-accrual have all previously accrued but unpaid interest reversed from interest income. During the year ended December 31, 2024, new loans placed on non-accrual status totaled $51.0 million and the related amount of reversed uncollected accrued interest was $1.4 million. Credit Quality The following tables provide information on the credit quality of the loan portfolio by segment at December 31 for the years indicated: 2024 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Analysis of non-accrual loan activity: Balance at beginning of period $ 58,658 $ 4,640 $ 1,259 $ 10,051 $ 12,332 $ 443 $ 4,102 $ 91,485 Loans placed on non-accrual 6,706 5,730 31,694 3,909 1,634 — 1,368 51,041 Non-accrual balances transferred to OREO (3,265) — — — — — — (3,265) Non-accrual balances charged-off (402) — (134) (3,478) — — (20) (4,034) Net payments or draws (3,626) (1,637) (1,505) (2,892) (2,447) 78 (1,575) (13,604) Non-accrual loans brought current — (1,725) — — (580) — (178) (2,483) Balance at end of period $ 58,071 $ 7,008 $ 31,314 $ 7,590 $ 10,939 $ 521 $ 3,697 $ 119,140 2023 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Analysis of non-accrual loan activity: Balance at beginning of period $ 9,943 $ 5,019 $ — $ 7,322 $ 7,439 $ — $ 5,059 $ 34,782 Loans placed on non-accrual 62,725 — 2,111 6,271 7,871 449 2,450 81,877 Non-accrual balances transferred to OREO — — — — — — — — Non-accrual balances charged-off — — — (441) (160) — (1,757) (2,358) Net payments or draws (14,010) (379) (852) (2,588) (1,667) (6) (1,528) (21,030) Non-accrual loans brought current — — — (513) (1,151) — (122) (1,786) Balance at end of period $ 58,658 $ 4,640 $ 1,259 $ 10,051 $ 12,332 $ 443 $ 4,102 $ 91,485 2024 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Performing loans: Current $ 4,696,667 $ 1,740,403 $ 1,276,591 $ 1,643,900 $ 1,509,013 $ 48,507 $ 434,165 $ 11,349,246 30-59 days 7,753 1,361 19,387 1,275 15,071 — 4,241 49,088 60-89 days 17,102 — — 370 2,334 — 454 20,260 Total performing loans 4,721,522 1,741,764 1,295,978 1,645,545 1,526,418 48,507 438,860 11,418,594 Non-performing loans: Non-accrual loans 58,071 7,008 31,314 7,590 10,939 521 3,697 119,140 Loans greater than 90 days past due — — — — 232 — — 232 Restructured loans — — — — — — — — Total non-performing loans 58,071 7,008 31,314 7,590 11,171 521 3,697 119,372 Total loans $ 4,779,593 $ 1,748,772 $ 1,327,292 $ 1,653,135 $ 1,537,589 $ 49,028 $ 442,557 $ 11,537,966 2023 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Performing loans: Current $ 5,044,647 $ 1,748,449 $ 986,859 $ 1,494,426 $ 1,445,785 $ 118,976 $ 409,607 $ 11,248,749 30-59 days 1,120 2,056 849 383 14,026 2,000 3,298 23,732 60-89 days — 90 — — 2,036 — 535 2,661 Total performing loans 5,045,767 1,750,595 987,708 1,494,809 1,461,847 120,976 413,440 11,275,142 Non-performing loans: Non-accrual loans 58,658 4,640 1,259 10,051 12,332 443 4,102 91,485 Loans greater than 90 days past due — — — 20 342 — — 362 Restructured loans — — — — — — — — Total non-performing loans 58,658 4,640 1,259 10,071 12,674 443 4,102 91,847 Total loans $ 5,104,425 $ 1,755,235 $ 988,967 $ 1,504,880 $ 1,474,521 $ 121,419 $ 417,542 $ 11,366,989 The credit quality indicators for commercial loans are developed through review of individual borrowers on an ongoing basis. Each borrower is evaluated at least annually with more frequent evaluation of more severely criticized loans. The indicators represent the rating for loans as of the date presented is based on the most recent credit review performed. These credit quality indicators are defined as follows: Pass - A pass rated credit is not adversely classified because it does not display any of the characteristics for adverse classification. Special mention - A special mention credit has potential weaknesses that deserve management’s close attention. If uncorrected, such weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention assets are not adversely classified and do not warrant adverse classification. Substandard - A substandard loan is inadequately protected by the current net worth and payment capacity of the obligor or of the collateral pledged, if any. Loans classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility of loss if the deficiencies are not corrected. Doubtful - A loan that is classified as doubtful has all the weaknesses inherent in a loan classified as substandard with added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions and values. Loss – Loans classified as a loss are considered uncollectible and of such little value that their continuing to be carried as a loan is not warranted. This classification is not necessarily equivalent to no potential for recovery or salvage value, but rather that it is not appropriate to defer a full write-off even though partial recovery may be effected in the future. The following tables provide information about credit quality indicators by the year of origination: 2024 Term Loans by Origination Year Revolving (In thousands) 2024 2023 2022 2021 2020 Prior Loans Total Commercial Investor R/E: Pass $ 337,754 $ 303,462 $ 1,306,076 $ 1,064,827 $ 521,505 $ 1,053,674 $ 32,739 $ 4,620,037 Special Mention — — 4,100 — 18,888 40,437 — 63,425 Substandard — — — 32,768 5,606 57,757 — 96,131 Doubtful — — — — — — — — Total $ 337,754 $ 303,462 $ 1,310,176 $ 1,097,595 $ 545,999 $ 1,151,868 $ 32,739 $ 4,779,593 Current period gross charge-offs $ — $ — $ — $ 357 $ — $ 44 $ — $ 401 Commercial Owner-Occupied R/E: Pass $ 183,357 $ 109,915 $ 346,029 $ 286,260 $ 212,034 $ 542,637 $ 6,277 $ 1,686,509 Special Mention — 4,764 3,632 14,731 4,043 11,027 — 38,197 Substandard — — 900 2,810 972 19,384 — 24,066 Doubtful — — — — — — — — Total $ 183,357 $ 114,679 $ 350,561 $ 303,801 $ 217,049 $ 573,048 $ 6,277 $ 1,748,772 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial AD&C: Pass $ 423,143 $ 243,462 $ 301,254 $ 73,323 $ — $ — $ 207,880 $ 1,249,062 Special Mention — 262 — 4,213 — — — 4,475 Substandard — — 27,994 42,832 1,571 1,358 — 73,755 Doubtful — — — — — — — — Total $ 423,143 $ 243,724 $ 329,248 $ 120,368 $ 1,571 $ 1,358 $ 207,880 $ 1,327,292 Current period gross charge-offs $ — $ — $ 135 $ — $ — $ — $ — $ 135 Commercial Business: Pass $ 302,334 $ 142,011 $ 291,167 $ 161,300 $ 71,650 $ 139,311 $ 509,158 $ 1,616,931 Special Mention 143 605 5,689 1,588 48 3,913 10,468 22,454 Substandard 165 858 1,082 1,616 637 4,768 4,624 13,750 Doubtful — — — — — — — — Total $ 302,642 $ 143,474 $ 297,938 $ 164,504 $ 72,335 $ 147,992 $ 524,250 $ 1,653,135 Current period gross charge-offs $ — $ — $ 1,482 $ 470 $ — $ 1,479 $ 50 $ 3,481 Residential Mortgage: Beacon score: 660-850 $ 43,196 $ 48,842 $ 483,634 $ 385,226 $ 151,114 $ 252,024 $ — $ 1,364,036 600-659 20 1,939 18,507 9,450 2,480 20,017 — 52,413 540-599 — 1,193 1,305 4,011 2,601 10,946 — 20,056 less than 540 5,493 1,589 31,046 21,509 8,382 33,065 — 101,084 Total $ 48,709 $ 53,563 $ 534,492 $ 420,196 $ 164,577 $ 316,052 $ — $ 1,537,589 Current period gross charge-offs $ — $ — $ — $ 50 $ — $ — $ — $ 50 Residential Construction: Beacon score: 660-850 $ 16,923 $ 7,326 $ 11,695 $ 6,723 $ — $ 150 $ 410 $ 43,227 600-659 — — — — — 1,308 — 1,308 540-599 521 — 500 — 1,500 — — 2,521 less than 540 13 1,459 62 438 — — — 1,972 Total $ 17,457 $ 8,785 $ 12,257 $ 7,161 $ 1,500 $ 1,458 $ 410 $ 49,028 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Beacon score: 660-850 $ 14,476 $ 6,973 $ 3,273 $ 1,218 $ 637 $ 22,453 $ 329,297 $ 378,327 600-659 825 1,730 282 40 78 3,166 13,113 19,234 540-599 155 166 430 91 30 2,021 4,571 7,464 less than 540 1,734 1,578 1,284 642 197 3,531 28,566 37,532 Total $ 17,190 $ 10,447 $ 5,269 $ 1,991 $ 942 $ 31,171 $ 375,547 $ 442,557 Current period gross charge-offs $ — $ 6 $ — $ 25 $ — $ 17 $ 493 $ 541 Total loans $ 1,330,252 $ 878,134 $ 2,839,941 $ 2,115,616 $ 1,003,973 $ 2,222,947 $ 1,147,103 $ 11,537,966 2023 Term Loans by Origination Year Revolving (In thousands) 2023 2022 2021 2020 2019 Prior Loans Total Commercial Investor R/E: Pass $ 405,740 $ 1,395,973 $ 1,195,708 $ 634,361 $ 511,146 $ 848,958 $ 23,653 $ 5,015,539 Special Mention 9,250 — 316 — — 1,978 — $ 11,544 Substandard 30,792 465 30,927 — — 14,410 748 $ 77,342 Doubtful — — — — — — — $ — Total $ 445,782 $ 1,396,438 $ 1,226,951 $ 634,361 $ 511,146 $ 865,346 $ 24,401 $ 5,104,425 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial Owner-Occupied R/E: Pass $ 136,072 $ 361,247 $ 318,269 $ 238,761 $ 235,145 $ 428,846 $ 5,621 $ 1,723,961 Special Mention 406 70 2,240 875 2,267 8,616 — $ 14,474 Substandard 2,562 3,634 801 343 5,866 3,594 — $ 16,800 Doubtful — — — — — — — $ — Total $ 139,040 $ 364,951 $ 321,310 $ 239,979 $ 243,278 $ 441,056 $ 5,621 $ 1,755,235 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial AD&C: Pass $ 334,918 $ 288,732 $ 178,889 $ 28,954 $ — $ — $ 155,889 $ 987,382 Special Mention — — — — — — — $ — Substandard 1,016 569 — — — — — $ 1,585 Doubtful — — — — — — — $ — Total $ 335,934 $ 289,301 $ 178,889 $ 28,954 $ — $ — $ 155,889 $ 988,967 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial Business: Pass $ 247,081 $ 344,034 $ 202,020 $ 92,198 $ 62,413 $ 118,061 $ 410,856 $ 1,476,663 Special Mention 532 45 180 1,037 1,040 294 3,635 $ 6,763 Substandard 6,725 2,073 2,281 917 1,925 1,571 5,962 $ 21,454 Doubtful — — — — — — — $ — Total $ 254,338 $ 346,152 $ 204,481 $ 94,152 $ 65,378 $ 119,926 $ 420,453 $ 1,504,880 Current period gross charge-offs $ — $ 9 $ 324 $ — $ — $ 116 $ — $ 449 Residential Mortgage: Beacon score: 660-850 $ 31,853 $ 476,631 $ 394,414 $ 166,387 $ 41,473 $ 266,927 $ — $ 1,377,685 600-659 781 7,022 18,284 2,009 1,882 24,040 — $ 54,018 540-599 — 1,545 2,698 2,371 1,891 9,377 — $ 17,882 less than 540 229 2,042 3,351 2,424 2,533 14,357 — $ 24,936 Total $ 32,863 $ 487,240 $ 418,747 $ 173,191 $ 47,779 $ 314,701 $ — $ 1,474,521 Current period gross charge-offs $ — $ — $ 43 $ — $ 10 $ 107 $ — $ 160 Residential Construction: Beacon score: 660-850 $ 21,975 $ 68,273 $ 21,897 $ 2,478 $ 150 $ — $ — $ 114,773 600-659 1,641 500 1,319 1,500 — 1,243 — $ 6,203 540-599 443 — — — — — — $ 443 less than 540 — — — — — — — $ — Total $ 24,059 $ 68,773 $ 23,216 $ 3,978 $ 150 $ 1,243 $ — $ 121,419 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Beacon score: 660-850 $ 11,452 $ 4,960 $ 1,823 $ 519 $ 1,662 $ 24,543 $ 333,382 $ 378,341 600-659 1,209 192 237 425 209 3,954 12,668 $ 18,894 540-599 24 374 87 47 500 2,868 5,920 $ 9,820 less than 540 384 215 132 50 288 2,803 6,615 $ 10,487 Total $ 13,069 $ 5,741 $ 2,279 $ 1,041 $ 2,659 $ 34,168 $ 358,585 $ 417,542 Current period gross charge-offs $ — $ 20 $ 28 $ — $ 15 $ 1,735 $ 207 $ 2,005 Total loans $ 1,245,085 $ 2,958,596 $ 2,375,873 $ 1,175,656 $ 870,390 $ 1,776,440 $ 964,949 $ 11,366,989 Modifications to Borrowers Experiencing Financial Difficulty As a part of our risk management practices, we may consider modifying a loan for a borrower experiencing a financial difficulty that provides a certain degree of a payment relief. Modification types primarily include a reduction in the interest rate or an extension of the existing term. We do not provide modifications that result in the reduction of the outstanding principal balance. The following table presents the amount of the loans modified during the periods indicated below to borrowers experiencing financial difficulty, disaggregated by the loan portfolio segment, type of modification granted and the financial effect of loans modified: For the Year Ended December 31, 2024 Interest rate reduction Term extension Rate reduction & Term extension Total Interest rate reduction Term extension (in thousands) Amount Amount Amount Amount % of total loan segment Weighted Average Weighted Average Commercial Investor R/E $ 485 $ 61,981 $ 8,245 $ 70,711 1.5 % 0.9 % 8 Months Commercial Owner-Occupied R/E 4,834 8,848 — 13,682 0.8 % 1.1 % 20 Months Commercial AD&C — 23,840 — 23,840 1.8 % — % 6 Months Commercial Business 16 9,726 369 10,111 0.6 % 2.1 % 16 Months All Other loans — 521 — 521 — % — % 18 Months Total $ 5,335 $ 104,916 $ 8,614 $ 118,865 1.0 % For the Year Ended December 31, 2023 Interest rate reduction Term extension Rate reduction & Term extension Total Interest rate reduction Term extension (in thousands) Amount Amount Amount Amount % of total loan segment Weighted Average Weighted Average Commercial Investor R/E $ 28,970 $ 9,778 $ 13,560 $ 52,308 1.0 % 1.5 % 15 Months Commercial Owner-Occupied R/E — 2,808 — 2,808 0.2 % — % 14 Months Commercial AD&C — 1,016 — 1,016 0.1 % — % 9 Months Commercial Business 233 5,496 — 5,729 0.4 % 0.3 % 14 Months All Other loans — — — — — % — % — Total $ 29,203 $ 19,098 $ 13,560 $ 61,861 0.5 % Unfunded loan commitments on modifications for borrowers experiencing financial difficulty totaled $10.3 million at December 31, 2024. These commitments are not included in the table above. The following table presents the performance of loans that have been modified during the periods indicated: For the Year Ended December 31, 2024 (in thousands) Current 30-89 days past due 90+ days past due Total Commercial Investor R/E $ 20,689 $ 47,617 $ 2,405 $ 70,711 Commercial Owner-Occupied R/E 13,225 — 457 13,682 Commercial AD&C 23,718 — 122 23,840 Commercial Business 9,239 797 75 10,111 All Other loans 521 — — 521 Total $ 67,392 $ 48,414 $ 3,059 $ 118,865 For the Year Ended December 31, 2023 (in thousands) Current 30-89 days past due 90+ days past due Total Commercial Investor R/E $ 51,560 $ — $ 748 $ 52,308 Commercial Owner-Occupied R/E 2,808 — — 2,808 Commercial AD&C 327 — 689 1,016 Commercial Business 5,408 88 233 5,729 All Other loans — — — — Total $ 60,103 $ 88 $ 1,670 $ 61,861 There were three loans with the total outstanding balance of $2.3 million which defaulted (defined as new non-accrual or 90 days past due) during the year ended December 31, 2024 and had been modified in the form of a term extension within the previous 12 months preceding the payment default when the debtor was experiencing financial difficulty at the time of modification. All of these loans were non-accrual, collateral-dependent loans at December 31, 2024, and carried immaterial individual reserves balance. Other Real Estate Owned The company had $3.3 million OREO at December 31, 2024 as compared to none at December 31, 2023. There were nine consumer mortgage loans secured by residential real estate property totaling $1.6 million, for which formal foreclosure proceedings were in process as of December 31, 2024.

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT	PREMISES AND EQUIPMENT Presented in the following table are the components of premises and equipment at December 31: (In thousands) 2024 2023 Land $ 9,771 $ 9,771 Buildings and leasehold improvements 70,888 78,210 Equipment 50,007 58,467 Total premises and equipment 130,666 146,448 Less: accumulated depreciation and amortization (74,668) (86,958) Net premises and equipment $ 55,998 $ 59,490 Depreciation and amortization expense for premises and equipment amounted to $7.2 million, $6.1 million, and $6.1 million for each of the years ended December 31, 2024, 2023 and 2022, respectively.

LEASES

LEASES	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
LEASES	LEASES The Company leases real estate properties for its network of bank branches, financial centers and corporate offices. All of the Company’s leases are currently classified as operating. Most lease agreements include one or more options to renew, with renewal terms that can extend the original lease term from one The following table provides information regarding the Company's leases as of the dates indicated: Year Ended 2024 2023 Components of lease expense: Operating lease cost (resulting from lease payments) $ 10,225 $ 10,674 Supplemental cash flow information related to leases: Operating cash flows from operating leases $ 11,120 $ 11,470 ROU assets obtained in the exchange for lease liabilities due to: New leases $ 1,402 $ 703 Acquisitions $ — $ — As of December 31, 2024 December 31, 2023 Supplemental balance sheet information related to leases: Operating lease ROU assets $ 37,706 $ 40,362 Operating lease liabilities $ 44,503 $ 48,058 Other information related to leases: Weighted average remaining lease term of operating leases 4.9 years 5.6 years Weighted average discount rate of operating leases 3.83 % 3.61 % ROU assets and lease liabilities are recorded in other assets and other liabilities, respectively, in the Condensed Consolidated Statements of Condition. Operating lease cost is recorded in the occupancy expense of premises in the Condensed Consolidated Statements of Income. As of December 31, 2024, the maturities of the Company’s operating lease liabilities were as follows: (In thousands) Amount Maturity: One year $ 11,091 Two years 10,649 Three years 9,232 Four years 7,749 Five years 5,260 Thereafter 4,989 Total undiscounted lease payments 48,970 Less: Present value discount (4,467) Lease Liability $ 44,503

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	GOODWILL AND OTHER INTANGIBLE ASSETS The following table presents the net carrying amount of goodwill by segment for the periods indicated: (In thousands) Community Insurance Investment Total Balance December 31, 2022 $ 331,689 $ — $ 31,747 $ 363,436 No Activity — — — — Balance December 31, 2023 331,689 — 31,747 363,436 Goodwill Impairment Loss (54,391) — — (54,391) Balance December 31, 2024 $ 277,298 $ — $ 31,747 $ 309,045 The Company performed a quantitative impairment test of goodwill as of October 1, 2024 and utilized the market information from the Merger Agreement with Atlantic Union. As a result of the quantitative assessment, the Company recorded a goodwill impairment charge of $54.4 million in the fourth quarter of 2024 as the fair value of equity was less than book value. The entire goodwill impairment was allocated to the Community Banking unit based on immaterial size of the Investment Management reporting unit relative to the Consolidated Bancorp for both asset and equity. Refer to Note 1 - Significant Accounting Policies for more detail. The gross carrying amounts and accumulated amortization of intangible assets and goodwill are presented at December 31 in the following table: 2024 Weighted 2023 Weighted Gross Net Average Gross Net Average Carrying Accumulated Carrying Remaining Carrying Accumulated Carrying Remaining (Dollars in thousands) Amount Amortization Amount Life Amount Amortization Amount Life Amortizing intangible assets: Core deposit intangibles $ 29,038 $ (23,084) $ 5,954 3.9 years $ 29,038 $ (20,181) $ 8,857 5.5 years Software intangibles 21,954 (5,019) 16,935 4.0 years 10,422 (183) 10,239 4.8 years Other identifiable intangibles 13,906 (9,336) 4,570 6.9 years 13,906 (7,949) 5,957 7.7 years Total amortizing intangible assets $ 64,898 $ (37,439) $ 27,459 $ 53,366 $ (28,313) $ 25,053 Non-amortizing intangible assets: Intangible projects in process (1) 3,289 — 3,289 $ 3,248 $ — $ 3,248 Total intangible assets $ 68,187 $ (37,439) $ 30,748 $ 56,614 $ (28,313) $ 28,301 Goodwill $ 309,045 $ 309,045 $ 363,436 $ 363,436 (1) Capitalized costs on internal-use licensed software-related projects that are currently in the development/implementation phase. The following table presents the estimated future amortization expense for amortizing intangible assets within the years ending December 31: (In thousands) Amount 2025 $ 8,310 2026 6,899 2027 5,660 2028 4,342 2029 1,749 Thereafter 499 Total amortizing intangible assets $ 27,459

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
DEPOSITS	DEPOSITS The following table presents the composition of deposits at December 31 for the years indicated: (In thousands) 2024 2023 Noninterest-bearing deposits $ 2,804,930 $ 2,914,161 Interest-bearing deposits: Demand 1,579,463 1,463,679 Money market savings 3,016,096 2,628,918 Regular savings 1,764,598 1,275,225 Time deposits of less than $250,000 1,840,274 2,068,259 Time deposits of $250,000 or more 740,304 646,296 Total interest-bearing deposits 8,940,735 8,082,377 Total deposits $ 11,745,665 $ 10,996,538 Demand deposit overdrafts reclassified as loan balances were $4.6 million and $1.1 million at December 31, 2024 and 2023, respectively. Overdraft charge-offs and recoveries are reflected in the allowance for credit losses. The following table presents the maturity schedule for time deposits maturing within years ending December 31: (In thousands) Amount 2025 $ 2,186,012 2026 322,656 2027 37,779 2028 27,553 2029 6,578 Thereafter — Total time deposits $ 2,580,578 The Company's time deposits of less than $250,000 represented 15.7% of total deposits and time deposits of $250,000 or more represented 6.3% of total deposits at December 31, 2024 and are presented by maturity in the following table: Months to Maturity (In thousands) 3 or Less Over 3 to 6 Over 6 to 12 Over 12 Total Time deposits - less than $250,000 $ 707,380 $ 346,201 $ 464,896 $ 321,797 $ 1,840,274 Time deposits - $250,000 or more $ 273,372 $ 302,695 $ 91,468 $ 72,769 $ 740,304 Interest expense on time deposits of less than $250,000 amounted to $53.5 million, $33.9 million, and $5.0 million and interest expense on time deposits of $250,000 of more amounted to $62.1 million, $64.1 million, and $11.5 million for the years ended December 31, 2024, 2023 and 2022, respectively. Deposits received in the ordinary course of business from the directors and officers of the Company and their related interests amounted to $70.2 million and $91.1 million for the years ended December 31, 2024 and 2023, respectively.

BORROWINGS

BORROWINGS	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
BORROWINGS	BORROWINGS Subordinated Debt On March 15, 2022, the Company completed an offering of $200.0 million aggregate principal amount Fixed to Floating Rate Subordinated Notes due in 2032. The notes bear a fixed interest rate of 3.875% per year through March 29, 2027. Commencing on March 30, 2027, the notes will bear interest at a floating rate per annum equal to the benchmark rate (which is expected to be the three-month SOFR rate) plus a spread of 196.5 basis points, payable quarterly in arrears. The total amount of debt issuance costs incurred was $3.1 million, which are being amortized through the contractual life of the debt. The entire amount of the subordinated debt is considered Tier 2 capital under current regulatory guidelines. On November 5, 2019, the Company completed an offering of $175.0 million aggregate principal amount Fixed to Floating Rate Subordinated Notes due in 2029. The notes had a fixed interest rate of 4.25% per year through November 14, 2024. On November 15, 2024, the interest rate became a floating rate equal to three-month SOFR, plus 288 basis points (including a benchmark adjustment of 26 basis points) through the remaining maturity or early redemption date of the notes. The interest was paid in arrears semi-annually during the fixed rate period and is paid quarterly during the floating rate period. The Company incurred $2.9 million of debt issuance costs, which are being amortized through the contractual life of the debt. As of December 31, 2024, the effective variable rate was 7.41%. Under regulatory capital guidelines subordinated debt begins to phase out of Tier 2 capital qualification, on an annual straight-line basis, when there are five years remaining until the subordinated debt matures. This subordinated debt has less than five years but more than four years remaining until it matures, and therefore, as of December 31, 2024, $140 million of the subordinated debt is considered Tier 2 capital under current regulatory guidelines. The following table provides information on subordinated debentures for the period indicated: (In thousands) 2024 2023 Fixed to floating rate sub debt, 3.875% $ 200,000 $ 200,000 Fixed to floating rate sub debt, 7.41% 175,000 175,000 Total subordinated debt 375,000 375,000 Less: Debt issuance costs (3,600) (4,197) Long-term borrowings $ 371,400 $ 370,803 Other Borrowings Information relating to retail repurchase agreements and federal funds purchased is presented in the following table at and for the years ending December 31: 2024 2023 (Dollars in thousands) Amount Rate Amount Rate End of period: Retail repurchase agreements $ 68,911 1.92 % $ 75,032 2.00 % Federal funds purchased — — — — Federal Reserve Bank borrowings — — 300,000 4.92 Average for the year: Retail repurchase agreements $ 65,913 2.08 % $ 63,259 1.45 % Federal funds purchased 16,208 5.53 69,672 5.15 Federal Reserve Bank borrowings 59,016 5.07 201,370 4.94 Maximum month-end balance: Retail repurchase agreements $ 75,101 $ 78,239 Federal funds purchased 130,000 330,000 Federal Reserve Bank borrowings 300,000 300,000 The Company pledges U.S. Agencies securities, based upon their market values, as collateral for greater than 102.5% of the principal of its retail repurchase agreements. The Company had no outstanding federal funds purchased at December 31, 2024 or December 31, 2023. The available borrowing federal funds capacity under unsecured lines of credit with correspondent banks was $903.0 million at December 31, 2024 and $1.2 billion at December 31, 2023. During the first quarter of 2024, the Company fully paid off $300.0 million of outstanding borrowings through the Federal Reserve's Bank Term Funding Program. The Company also had secured lines of credit available from the Federal Reserve and correspondent banks of $772.3 million and $651.3 million at December 31, 2024 and 2023, respectively, collateralized by loans, with no borrowings outstanding at the end of either period. At December 31, 2024, the Company had the ability to pledge collateral at prevailing market rates under a line of credit with the FHLB of $3.4 billion. FHLB availability based on pledged collateral at December 31, 2024, amounted to $3.2 billion, with $250.0 million outstanding. At December 31, 2023, the Company possessed the ability to extend its lines of credit with the FHLB totaling $3.6 billion based on collateral that was available to be pledged. The availability of FHLB borrowings based on the collateral pledged at December 31, 2023 was $3.1 billion with $550.0 million outstanding borrowings. Under a blanket lien, the Company has pledged qualifying residential mortgage loans amounting to $1.4 billion, commercial real estate loans amounting to $3.9 billion, home equity lines of credit (“HELOC”) amounting to $228.7 million and multifamily loans amounting to $559.3 million at December 31, 2024 as collateral under the borrowing agreement with the FHLB. At December 31, 2023, the Company had pledged collateral of qualifying mortgage loans of $1.4 billion, commercial real estate loans of $4.0 billion, HELOC loans of $209.2 million and multifamily loans of $538.6 million under the FHLB borrowing agreement. Advances from the FHLB and the respective maturity schedule at December 31 for the years indicated consisted of the following: 2024 2023 (Dollars in thousands) Amounts Weighted Average Amounts Weighted Average Maturity: One year $ 150,000 4.16 % $ 250,000 4.60 % Two years 100,000 4.03 150,000 4.16 Three years — — 100,000 4.03 Four years — — 50,000 4.08 Five years — — — — After five years — — — — Total advances from FHLB $ 250,000 4.11 $ 550,000 4.33

STOCKHOLDERS' EQUITY

STOCKHOLDERS' EQUITY	12 Months Ended
	Dec. 31, 2024
Equity [Abstract]
STOCKHOLDERS' EQUITY	STOCKHOLDERS’ EQUITY The Company’s Articles of Incorporation authorize 100,000,000 shares of capital stock (par value $1.00 per share). Issued shares have been classified as common stock. The Articles of Incorporation provide that remaining unissued shares may later be designated as either common or preferred stock. The Company maintained an employee stock purchase plan (the “Purchase Plan”) that enabled employees to purchase up to $25,000 of Company common stock each year at a discount. The Purchase Plan, which was initially authorized on July 1, 2011, was amended and restated as of November 18, 2020. As part of the amendment and restatement, an additional 700,000 shares of common stock were reserved to be issued, which is in addition to the 300,000 shares of common stock authorized for purchase under the previous version of the Purchase Plan. Under the Purchase Plan, shares are purchased at 85% of the lower of the fair market value of the common stock on the offering date or the purchase date, as defined in the Purchase Plan. Contributions are made through monthly payroll deductions of not less than 1% or more than 10% of cash compensation paid in the month. The Purchase Plan is administered by a committee of at least three directors appointed by the board of directors. In accordance with the terms of the Merger Agreement, the Company terminated the Purchase Plan as of October 31, 2024. On March 30, 2022, the Company's board of directors authorized a stock repurchase plan that permits the repurchase of up to $50.0 million of the Company's common stock. During 2022, the Company repurchased and retired 625,710 common shares at an average price of $39.93 per share for the total cost of $25.0 million. The Company did not repurchase any shares of its common stock during the years ended December 31, 2024 and December 31, 2023. Under the current authorization, common stock with a total value of up to $25.0 million remains available to be repurchased. The Company has a dividend reinvestment plan that is sponsored and administered by Computershare as independent agent, which enables current shareholders as well as first-time buyers to purchase and sell common stock of Sandy Spring Bancorp, Inc. directly through Computershare. Participants may reinvest cash dividends and make periodic supplemental cash payments to purchase additional shares. Bank and bank holding company regulations, as well as Maryland law, impose certain restrictions on dividend payments by the Bank, as well as restrictions on extensions of credit and transfers of assets between the Bank and Bancorp. At December 31, 2024, the Bank could have paid additional dividends of $153.8 million to its parent company without regulatory approval. There were no loans outstanding between the Bank and Bancorp at December 31, 2024 and 2023, respectively.

SHARE BASED COMPENSATION

SHARE BASED COMPENSATION	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
SHARE BASED COMPENSATION	SHARE BASED COMPENSATION On May 22, 2024, the Company's shareholders approved the Sandy Spring Bancorp, Inc. 2024 Equity Plan (the "2024 Plan"), which replaces the Company’s 2015 Omnibus Incentive Plan. The 2024 Plan provides for the granting of incentive stock options, non-qualified stock options, stock appreciation rights, restricted stock, and restricted stock units to officers, employees and non-employee directors. Awards may be subject to performance conditions. The 2024 Plan authorizes the issuance of up to 700,000 shares of common stock, subject to adjustment, has a term of 10 years, and is administered by the Compensation Committee of the Board of Directors. There were 509,706 shares available for issuance under the 2024 Plan at December 31, 2024. The value associated with the grant of restricted stock awards ("RSAs") and restricted share units ("RSUs") is determined by multiplying the fair market value of the Company's common stock on the grant date by the number of shares awarded. Holders of RSAs have the right to vote and receive cash dividends for the unvested RSAs. Non-vested RSAs are considered participating securities that have an immaterial impact on the computation of earnings per share. Holders of RSUs receive cash dividends on the vesting date and these units are not considered participating securities in the earnings per share calculation. Starting in 2022, grants of RSUs allow continued vesting following a qualified retirement. Any non-vested shares are subject to forfeiture upon termination of employment. Performance restricted stock units ("PRSUs") are subject to the Company's achievement of specified performance criteria over a three -year The Company stopped granting stock options in 2019. There was no unrecognized compensation cost related to stock options at December 31, 2024. The intrinsic value for the stock options exercised was $0.2 million, $0.7 million, and $0.3 million in the years ended December 31, 2024, 2023 and 2022, respectively. All stock compensation expense is recognized on a straight-line basis over the vesting period of the respective restricted stock, restricted stock unit grants or performance share units. Compensation expense associated with PRSUs is variable in nature based on the probability of achieving specific criteria. Compensation expense of $9.0 million, $7.6 million, and $7.9 million was recognized for the years ended December 31, 2024, 2023 and 2022, respectively, related to RSAs, RSUs and PRSUs. The total of unrecognized compensation cost related to RSAs, RSUs and PRSUs was approximately $6.1 million at December 31, 2024. That cost is expected to be recognized over a weighted average period of approximately 2.14 years. During the year ended December 31, 2024, the Company granted 344,748 RSUs and PRSUs, of which 87,846 were PRSUs subject to achievement of certain performance conditions measured over a three-year performance period and 256,902 were RSUs subject to a three-year vesting schedule. In order to mitigate potential adverse tax consequences of merger-related compensation on the Company and certain of its executive officers, the Company cancelled the PRSUs grated in 2023 and 2024 and reissued the shares as RSAs with time-based vesting that otherwise vest on the same terms and conditions as those applicable to the cancelled PRSUs. In addition, the Company accelerated into 2024 the grant of certain equity awards that would otherwise be made in 2025. The Company granted total of 167,436 RSAs in connection with these actions, all of which required the recipient to make an election under Section 83(b) of the Internal Revenue Code to be taxed currently on the fair market value of the grant. A summary of the activity for the Company’s restricted stock for the period indicated is presented in the following table: (In dollars, except share data): Number Weighted Average Grant-Date Fair Value Restricted stock at January 1, 2024 458,929 $ 32.90 Granted 512,184 $ 20.83 Vested (281,443) $ 30.30 Forfeited/ cancelled (125,811) $ 24.63 Restricted stock at December 31, 2024 563,859 $ 25.37 A summary of share option activity for the period indicated is reflected in the following table: Number Weighted Average Exercise Weighted Average Contractual Remaining Life (Years) Aggregate Intrinsic Balance at January 1, 2024 80,195 $ 19.07 1.2 years $ 621 Granted — $ — Exercised (11,950) $ 10.96 $ 186 Forfeited — $ — Expired (7,411) $ 41.75 Balance at December 31, 2024 60,834 $ 17.89 0.5 years $ 1,251 Exercisable at December 31, 2024 60,834 $ 17.89 0.5 years $ 1,251

PENSION, PROFIT SHARING, AND OT

PENSION, PROFIT SHARING, AND OTHER EMPLOYEE BENEFIT PLANS	12 Months Ended
	Dec. 31, 2024
Retirement Benefits [Abstract]
PENSION, PROFIT SHARING, AND OTHER EMPLOYEE BENEFIT PLANS	PENSION, PROFIT SHARING, AND OTHER EMPLOYEE BENEFIT PLANS Defined Benefit Pension Plan Prior to September 30, 2023, the Company maintained a qualified noncontributory, defined benefit pension plan (the “Plan”). On March 30, 2022, the Board of Directors approved the termination of the Pension Plan to be effective of June 30, 2022. The Company executed plan amendments regarding the Plan termination and received a determination letter from the Internal Revenue Service (“IRS”) as to the tax-qualified status of the Plan at the time of termination. The Company also filed appropriate notices and documents related to the Plan’s termination and wind-down with the Pension Benefit Guaranty Corporation (“PBGC”). Plan participants made elections for lump-sum distributions or annuity benefits. Both lump-sum distributions and transfer of annuity benefits to a highly-rated insurance company were completed in August 2023. In order to fully fund the Plan, the Company made a $1.3 million cash contribution. As a result of the pension termination, the Company incurred a one-time settlement expense of $8.2 million, which was recognized in salaries and employee benefits expense. The Pension Plan’s funded status at December 31 is as follows: (In thousands) 2024 2023 Reconciliation of Projected Benefit Obligation: Projected obligation at January 1 $ — $ 35,539 Interest cost — 1,021 Actuarial (gain)/ loss — (1,726) Benefit payments — (1,102) Increase/ (decrease) related to change in assumptions — — Annuity Purchase — (33,732) Projected obligation at December 31 — — Reconciliation of Fair Value of Plan Assets: Fair value of plan assets at January 1 — 32,287 Actual return on plan assets — 1,197 Employer contributions — 1,350 Benefit payments — (1,102) Annuity Purchase — (33,732) Fair value of plan assets at December 31 $ — $ — Funded status at December 31 $ — $ — Accumulated benefit obligation at December 31 $ — $ — Unrecognized net actuarial loss $ — $ — Net periodic pension cost not yet recognized $ — $ — Weighted average assumptions used to determine benefit obligations at December 31 are presented in the following table: 2024 2023 2022 Discount rate N/A N/A 5.10% Rate of compensation increase N/A N/A N/A The components of net periodic benefit cost for the years ended December 31 are presented in the following table: (In thousands) 2024 2023 2022 Interest cost on projected benefit obligation $ — $ 1,021 $ 1,301 Expected return on plan assets — (870) (1,410) Recognized net actuarial loss — 526 783 Settlement charge — 8,157 — Other — 113 — Net periodic benefit cost $ — $ 8,947 $ 674 Components of the net periodic benefit cost are recorded in salaries and employee benefits expense Weighted average assumptions used to determine net periodic benefit cost for years ended December 31 are presented in the following table: 2024 2023 2022 Discount rate N/A 5.10% 2.80% Expected return on plan assets N/A 5.25% 3.75% Rate of compensation increase N/A N/A N/A Sandy Spring Bank 401(k) Plan The Sandy Spring Bank 401(k) Plan (“the 401(k)”) is voluntary and covers all eligible employees after 90 days of service. The 401(k) provides that employees contributing to the 401(k) receive a matching contribution of 100% of the first 4% of compensation and 50% of the next 2% of compensation subject to employee contribution limitations. The Company matching contribution vests immediately. The 401(k) permits employees to purchase shares of the Company’s common stock with their 401(k) contributions, Company match, and other contributions under the 401(k). The Company’s matching contribution to the 401(k), which is included in salaries and employee benefits in non-interest expenses in the Consolidated Statements of Income, totaled $6.0 million, $6.3 million, and $5.9 million in 2024, 2023 and 2022, respectively. Deferred Compensation Plans The Executive Incentive Retirement Plan ("Executive Plan") is a non-qualified deferred compensation plan that provides for contributions to be made to the participants’ plan accounts based on the attainment of a level of financial performance determined annually by the board of directors. The Company ceased making contributions to the Executive Plan after adoption of the Non-Qualified Deferred Compensation Plan (“NQDC Plan”) in late 2021. The NQDC Plan provides participants with the option to defer receipt of a portion of their base salary and annual cash incentives. Participant contributions are fully vested at all times. At its sole discretion, the Company may credit participant accounts with company contributions. In 2024, executive officers were selected by the board of directors for contributions to be made to their plan accounts based on the attainment of a level of financial performance compared to a selected group of peer banks. Benefit costs related to the Executive Plan and NQDC Plan included in salaries and employee benefits in non-interest expenses in the Consolidated Statements of Income for 2024, 2023 and 2022 were $0.4 million, $0.4 million, and $0.7 million, respectively.

OTHER NON-INTEREST INCOME AND O

OTHER NON-INTEREST INCOME AND OTHER NON-INTEREST EXPENSE	12 Months Ended
	Dec. 31, 2024
Other Income and Expenses [Abstract]
OTHER NON-INTEREST INCOME AND OTHER NON-INTEREST EXPENSE	OTHER NON-INTEREST INCOME AND OTHER NON-INTEREST EXPENSE Selected components of other non-interest income and other non-interest expense for the years ended December 31 are presented in the following table: (In thousands) 2024 2023 2022 Letter of credit fees $ 965 $ 676 $ 721 Extension fees 2,656 1,875 955 Swap fee income 443 305 524 Prepayment penalty fees 968 914 1,807 Other income 5,588 4,713 4,687 Total other non-interest income $ 10,620 $ 8,483 $ 8,694 (In thousands) 2024 2023 2022 Postage and delivery $ 1,920 $ 2,009 $ 2,040 Communications 2,421 2,348 2,332 Mortgage processing expense, net 896 1,070 1,048 Online services 3,794 3,653 2,763 Franchise taxes 2,123 2,285 1,974 Insurance 2,069 2,067 1,921 Card transaction expense 1,325 1,222 1,196 Office supplies 853 1,080 1,013 Contingent payment expense — 36 1,247 Other expenses 14,810 15,684 12,982 Total other non-interest expense $ 30,211 $ 31,454 $ 28,516

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The following table provides the components of income tax expense for the years ended December 31: (In thousands) 2024 2023 2022 Current income taxes: Federal $ 21,883 $ 27,178 $ 48,920 State 7,569 8,223 16,630 Total current 29,452 35,401 65,550 Deferred income taxes: Federal (103) 4,357 (7,214) State (323) 1,533 (2,277) Total deferred (426) 5,890 (9,491) Total income tax expense $ 29,026 $ 41,291 $ 56,059 The Company does not have uncertain tax positions that are deemed material, and did not recognize any adjustments for unrecognized tax benefits. The Company is subject to U.S. federal income tax and income tax in various state jurisdictions. All tax years ending after December 31, 2020 are open to examination. Temporary differences between the amounts reported in the financial statements and the tax bases of assets and liabilities result in deferred taxes. Deferred tax assets and liabilities, shown as the sum of the appropriate tax effect for each significant type of temporary difference, are presented in the following table at December 31 for the years indicated: (In thousands) 2024 2023 Deferred tax assets: Allowance for credit losses $ 34,241 $ 30,663 Lease liability 11,412 12,262 Employee benefits 6,686 6,115 Deferred loan fees and costs 1,500 2,222 Equity based compensation 1,322 2,401 Unrealized losses on investments available-for-sale 31,673 33,087 Loan and deposit premium/discount — 139 Reserve for recourse loans and unfunded commitments 424 1,225 Net operating loss carryforward 5,431 4,195 Other 81 157 Gross deferred tax assets 92,770 92,466 Valuation allowance (5,431) (4,195) Net deferred tax asset 87,339 88,271 Deferred tax liabilities: Right of use asset (9,663) (10,292) Depreciation (5,565) (4,559) Intangible assets (1,768) (2,128) Bond accretion (626) (542) Fair value acquisition adjustments (583) (609) Loan and deposit premium/discount (20) — Other (446) (486) Gross deferred tax liabilities (18,671) (18,616) Net deferred tax asset $ 68,668 $ 69,655 The Company has approximately $46.4 million of state net operating loss carryover which begins to expire in 2032 and $36.9 million of state carryforward of disallowed net business excess interest expense. The Company believes that it is more likely than not that the future benefit from the state net operating loss and disallowed net business excess interest expense carryover will not be realized. As such, there is a valuation allowance on the deferred tax assets of the jurisdictions in which those net operating losses and disallowed net business excess interest expense relate. The reconcilements between the statutory federal income tax rate and the effective rate for the years ended December 31 are presented in the following table: (Dollars in thousands) 2024 2023 2022 Amount Percentage of Amount Percentage of Amount Percentage of Income tax expense at federal statutory rate $ 10,282 21.0 % $ 34,469 21.0 % $ 46,696 21.0 % Increase/ (decrease) resulting from: Tax exempt income, net (159) (0.3) (919) (0.6) (1,909) (0.9) Bank-owned life insurance (1,472) (3.0) (802) (0.5) (662) (0.3) State income taxes, net of federal income tax benefits 5,724 11.7 7,707 4.7 11,339 5.1 Goodwill impairment 11,422 23.3 — — — — Nondeductible merger and acquisition expense 756 1.5 — — — — Nondeductible executive compensation 1,076 2.2 112 0.1 531 0.2 Other, net 1,397 2.9 724 0.5 64 0.1 Total income tax expense and rate $ 29,026 59.3 % $ 41,291 25.2 % $ 56,059 25.2 % The Inflation Reduction Act of 2022 was signed into law includes climate and energy provisions, introduces a 15% corporate alternative minimum tax ("CAMT") on corporations whose average annual adjusted financial statement income exceeds $1 billion, and a 1% excise tax on stock repurchases made by publicly traded US corporations. The provisions above generally are effective for tax years beginning after December 31, 2022. These provisions did not have a material impact on the Company's income taxes for 2022.

NET INCOME PER COMMON SHARE

NET INCOME PER COMMON SHARE	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
NET INCOME PER COMMON SHARE	NET INCOME PER COMMON SHARE The calculation of net income per common share for the years ended December 31 is presented in the following table: (Dollars and amounts in thousands, except per share data) 2024 2023 2022 Net income $ 19,935 $ 122,844 $ 166,299 Less: Distributed and undistributed earnings allocated to participating securities (33) (223) (681) Net income attributable to common shareholders $ 19,902 $ 122,621 $ 165,618 Total weighted average outstanding shares 45,094 44,907 45,049 Less: Weighted average participating securities (26) (81) (186) Basic weighted average common shares 45,068 44,825 44,863 Dilutive weighted average common stock equivalents 159 122 176 Diluted weighted average common shares 45,227 44,947 45,039 Basic net income per common share $ 0.44 $ 2.74 $ 3.69 Diluted net income per common share $ 0.44 $ 2.73 $ 3.68 Anti-dilutive shares 31 22 9

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME/ (LOSS)	12 Months Ended
	Dec. 31, 2024
Equity [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME/ (LOSS)	ACCUMULATED OTHER COMPREHENSIVE INCOME/ (LOSS) Comprehensive income/ (loss) is defined as net income plus transactions and other occurrences that are the result of non-owner changes in equity. For financial statements presented for the Company, non-owner changes in equity are comprised of unrealized gains or losses on investments available-for-sale and held-to-maturity, and any pension liability adjustments. These adjustments do not have an impact on the Company’s net income. Realized gains and losses on available-for-sale debt securities, and the amortization of unrealized losses on held-to-maturity debt securities and net periodic benefit cost impact the Company's net income as discussed in the following tables. The following table presents the activity in net accumulated other comprehensive income/ (loss) for the periods indicated: (In thousands) Unrealized Gains/ Defined Benefit Unrealized Losses Total Balance at January 1, 2022 $ (336) $ (8,203) $ — $ (8,539) Period change, net of tax (113,177) 201 (10,436) (123,412) Balance at December 31, 2022 (113,513) (8,002) (10,436) (131,951) Period change, net of tax 25,344 8,002 1,274 34,620 Balance at December 31, 2023 (88,169) — (9,162) (97,331) Period change, net of tax 3,554 — 1,130 4,684 Balance at December 31, 2024 $ (84,615) $ — $ (8,032) $ (92,647) The following table provides the information on the reclassification adjustments out of accumulated other comprehensive income/ (loss) for the periods indicated: Year Ended December 31, (In thousands) 2024 2023 2022 Unrealized gains/ (losses) on investments available-for-sale: Affected line item in the Consolidated Statements of Income: Investment securities gains/ (losses) $ — $ — $ (345) Income before taxes — — (345) Tax (expense)/ benefit — — 88 Net income/ (loss) $ — $ — $ (257) Amortization of unrealized losses on debt securities transferred from available-for-sale to held-to-maturity: Affected line item in the Consolidated Statements of Income: Interest and dividends on investment securities (1) $ (1,498) $ (1,726) $ (2,245) Income before taxes (1,498) (1,726) (2,245) Tax benefit 368 452 598 Net loss $ (1,130) $ (1,274) $ (1,647) Amortization of defined benefit pension plan items: Affected line item in the Consolidated Statements of Income: Recognized actuarial loss (2) $ — $ (526) $ (783) Settlement charge (2) — (8,157) — Income before taxes — (8,683) (783) Tax benefit — 2,212 199 Net loss $ — $ (6,471) $ (584) (1) Amortization of unrealized losses on held-to-maturity debt securities is fully offset by accretion of a discount on held-to-maturity debt securities with no overall impact on net income and yield. (2) This amount is included in the computation of net periodic benefit cost, see Note 13.

DERIVATIVES

DERIVATIVES	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVES	DERIVATIVES Customer Interest Rate Swaps The Company has entered into interest rate swaps (“swaps”) with qualifying commercial banking customers to facilitate their risk management strategies and financing needs. These swaps provide customers with the ability to convert variable rates into fixed rates. They are economically hedged by offsetting interest rate swaps that the Company executes with derivative counterparties in order to offset its exposure on the fixed components of the customers' swaps. Swaps qualify as derivatives, but are not designated as hedging instruments. Fair values of the swaps are carried as both gross assets and gross liabilities in other assets and other liabilities, respectively, in the Consolidated Statements of Condition. The associated changes in fair values of gross assets and gross liabilities net to zero in the Consolidated Statements of Income. Mortgage Banking Derivatives The Company enters into interest rate lock commitments, which are commitments to originate loans where the interest rate on the loan is determined prior to funding and the customers have locked into that interest rate. The loans are sold to the secondary market on either a mandatory or best efforts basis. Loans sold on a mandatory basis are not committed to an investor until the loan is closed with the borrower. The Company enters into forward to-be-announced (“TBA”) sales contracts to manage the interest rate risk between the interest rate lock commitment and the funding of those loans. Loans sold on a best efforts basis are committed to an investor simultaneous to the interest rate lock commitment with the borrower, and as a result, the Company does not enter into a separate forward TBA contract to offset the fair value risk as the investor accepts such risk. Interest rate lock commitments and commitments to deliver loans to investors are considered derivatives but are not designated as hedging instruments. Fair Values of Derivative Instruments on the Balance Sheet Derivatives are carried at fair value and are classified under other assets and other liabilities in the Consolidated Statements of Condition. Changes in fair value are recognized in earnings. None of the Company's derivatives are designated in a qualifying hedging relationship. A summary of the Company’s interest rate swaps at December 31 for the years indicated is included in the following table: 2024 (Dollars in thousands) Notional Amount Estimated Fair Value Years to Maturity Receive Pay Interest rate swap agreements: Pay fixed/receive variable swaps $ 279,449 $ 15,364 4.4 years 6.47 % 4.03 % Pay variable/receive fixed swaps 279,449 (15,364) 4.4 years 4.03 % 6.47 % Total swaps $ 558,898 $ — 4.4 years 5.25 % 5.25 % 2023 (Dollars in thousands) Notional Amount Estimated Fair Value Years to Maturity Receive Pay Interest rate swap agreements: Pay fixed/receive variable swaps $ 247,875 $ 15,867 5.5 years 7.29 % 4.01 % Pay variable/receive fixed swaps 247,875 (15,867) 5.5 years 4.01 % 7.29 % Total swaps $ 495,750 $ — 5.5 years 5.65 % 5.65 % The table below presents the notional amounts and fair values of the Company’s mortgage banking derivative financial instruments as of December 31, 2024 and December 31, 2023: December 31, 2024 December 31, 2023 (In thousands) Notional Asset Liability Notional Asset Liability Mortgage Banking Derivatives: Interest Rate Lock Commitments 11,237 177 — 16,608 358 — Forward TBA Contracts 14,500 92 — 11,750 — 102 Total Mortgage Banking Derivatives $ 25,737 $ 269 $ — $ 28,358 $ 358 $ 102 Effect of Derivatives on the Income Statement The table below presents the changes in the fair value of the Company’s derivative financial instruments reflected within non-interest income on the Consolidated Statements of Income for the years ended December 31, 2024 and 2023, respectively. (In thousands) Location of Gain/(Loss) 2024 2023 2022 Interest rate lock commitments Mortgage banking activities $ (182) $ 49 $ (823) Forward TBA contracts Mortgage banking activities 194 (361) 108 Total $ 12 $ (312) $ (715)

FINANCIAL INSTRUMENTS WITH OFF-

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK In the normal course of business, the Company has various outstanding credit commitments that are not reflected in the financial statements. These commitments are made to satisfy the financing needs of the Company's clients. The associated credit risk is controlled by subjecting such activity to the same credit and quality controls as exist for the Company's lending and investing activities. The commitments involve diverse business and consumer customers and are generally well collateralized. Collateral held varies, but may include residential real estate, commercial real estate, property and equipment, inventory and accounts receivable. Commitments do not necessarily represent future cash requirements as a portion of the commitments have some reduced likelihood of being exercised. Additionally, many of the commitments are subject to annual reviews, material change clauses or requirements for inspections prior to draw funding that could result in a curtailment of the funding commitments. A summary of the financial instruments with off-balance sheet credit risk is as follows at December 31 for the years indicated: (In thousands) 2024 2023 Commercial real estate development and construction $ 336,837 $ 572,540 Residential real estate-development and construction 610,428 713,903 Real estate-residential mortgage 11,237 16,608 Lines of credit, principally home equity and business lines 2,330,736 2,405,150 Standby letters of credit 95,231 71,817 Total commitments to extend credit and available credit lines $ 3,384,469 $ 3,780,018

LITIGATION

LITIGATION	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
LITIGATION	LITIGATION The Company and its subsidiaries are subject in the ordinary course of business to various pending or threatened legal proceedings in which claims for monetary damages are asserted. After consultation with legal counsel, management does not anticipate that the ultimate liability, if any, arising out of currently pending legal proceedings will have a material adverse effect on the Company’s financial condition, operating results or liquidity.

FAIR VALUE

FAIR VALUE	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
FAIR VALUE	FAIR VALUE GAAP provides entities the option to measure eligible financial assets, financial liabilities and commitments at fair value (i.e. the fair value option), on an instrument-by-instrument basis, that are otherwise not permitted to be accounted for at fair value under other accounting standards. The election to use the fair value option is available when an entity first recognizes a financial asset or financial liability or upon entering into a commitment. Subsequent changes in fair value must be recorded in earnings. The Company applies the fair value option on residential mortgage loans held for sale. The fair value option on residential mortgage loans allows the recognition of gains on sale of mortgage loans to more accurately reflect the timing and economics of the transaction. The standard for fair value measurement establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described below. Basis of Fair Value Measurement: Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities. Level 2 - Quoted prices in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability. Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e. supported by little or no market activity). A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. Changes to interest rates may result in changes in the cash flows due to prepayments or extinguishments. Accordingly, this could result in higher or lower measurements of the fair values. Assets and Liabilities Residential mortgage loans held for sale Residential mortgage loans held for sale are valued based on quotations from the secondary market for similar instruments and are classified as Level 2 in the fair value hierarchy. Investments available-for-sale U.S. treasuries and government agencies securities and mortgage-backed and asset-backed securities Valuations are based on active market data and use of evaluated broker pricing models that vary based by asset class and includes available trade, bid, and other market information. Generally, the methodology includes broker quotes, proprietary models, descriptive terms, and databases coupled with extensive quality control programs. Quality control evaluation processes use available market, credit and deal level information to support the evaluation of the security. Additionally, proprietary models and pricing systems, mathematical tools, actual transacted prices, integration of market developments and experienced evaluators are used to determine the value of a security based on a hierarchy of market information regarding a security or securities with similar characteristics. The Company does not adjust the quoted price for such securities. Such instruments are classified within Level 2 in the fair value hierarchy. State and municipal securities The Company primarily uses prices obtained from third-party pricing services to determine the fair value of state and municipal securities. The Company independently evaluates and corroborates the fair value received from pricing services through various methods and techniques, including references to dealer or other market quotes, by reviewing valuations of comparable instruments, and by comparing the prices realized on the sale of similar securities. Such securities are classified within Level 2 in the fair value hierarchy. Interest rate swap agreements Interest rate swap agreements are measured by alternative pricing sources using a discounted cash flow method that incorporates current market interest rates. Based on the complex nature of interest rate swap agreements, the markets these instruments trade in are not as efficient and are less liquid than that of the more mature Level 1 markets. These characteristics classify interest rate swap agreements as Level 2 in the fair value hierarchy. Assets and Liabilities Measured at Fair Value on a Recurring Basis The following tables set forth the Company’s financial assets and liabilities at the December 31 for the years indicated that were accounted for or disclosed at fair value. Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement: 2024 (In thousands) Quoted Prices in Significant Other Significant Total Assets Residential mortgage loans held for sale (1) $ — $ 22,757 $ — $ 22,757 Available-for-sale debt securities: U.S. government agencies — 82,314 — 82,314 State and municipal — 234,934 — 234,934 Mortgage-backed and asset-backed — 823,535 — 823,535 Total available-for-sale debt securities — 1,140,783 — 1,140,783 Interest rate swap agreements — 15,361 — 15,361 Total assets $ — $ 1,178,901 $ — $ 1,178,901 Liabilities Interest rate swap agreements $ — $ (15,361) $ — $ (15,361) Total liabilities $ — $ (15,361) $ — $ (15,361) (1) The outstanding principal balance for residential loans held for sale as of December 31, 2024 was $16.6 million. 2023 (In thousands) Quoted Prices in Significant Other Significant Total Assets Residential mortgage loans held for sale (1) $ — $ 10,836 $ — $ 10,836 Investments available-for-sale: U.S. government agencies — 96,927 — 96,927 State and municipal — 268,214 — 268,214 Mortgage-backed and asset-backed — 737,540 — 737,540 Total available-for-sale securities — 1,102,681 — 1,102,681 Interest rate swap agreements — 15,867 — 15,867 Total assets $ — $ 1,129,384 $ — $ 1,129,384 Liabilities Interest rate swap agreements $ — $ (15,867) $ — $ (15,867) Total liabilities $ — $ (15,867) $ — $ (15,867) (1) The outstanding principal balance for residential loans held for sale as of December 31, 2023 was $10.5 million. Assets Measured at Fair Value on a Non-recurring Basis The following tables set forth the Company’s financial assets subject to fair value adjustments on a non-recurring basis at December 31 for the year indicated that are valued at the lower of cost or market. Assets are classified in their entirety based on the lowest level of input that is significant to the fair value measurement: 2024 (In thousands) Quoted Prices in Significant Other Significant Total Total Losses Loans (1) $ — $ — $ — $ — $ — Other real estate owned — — $ 3,265 $ 3,265 $ — Total $ — $ — $ 3,265 $ 3,265 $ — (1) Represent outstanding amount of collateral-dependent non-accrual loans that were written down to the fair value of the underlying collateral. Fair values are determined using actual market prices (Level 2), independent third-party valuations and borrower records, discounted as appropriate (Level 3). 2023 (In thousands) Quoted Prices in Significant Other Significant Total Total Losses Loans (1) $ — $ — $ — $ — $ — Other real estate owned — — — — — Total $ — $ — $ — $ — $ — (1) Represent outstanding amount of collateral-dependent non-accrual loans that were written down to the fair value of the underlying collateral. Fair values are determined using actual market prices (Level 2), independent third-party valuations and borrower records, discounted as appropriate (Level 3). At December 31, 2024, loans totaling $117.0 million were written down to fair value of $79.4 million as a result of individual credit loss allowances of $37.5 million associated with the collateral dependent non-accrual loans which was included in the allowance for credit losses. Loans totaling $88.2 million were written down to fair value of $64.2 million at December 31, 2023 as a result of individual credit loss allowances of $24.0 million associated with the collateral dependent non-accrual loans. Fair value of the collateral dependent loans is measured based on the loan’s observable market price or the fair value of the collateral (less estimated selling costs). Collateral may be real estate and/or business assets such as equipment, inventory and/or accounts receivable. The value of business equipment, inventory and accounts receivable collateral is based on net book value on the business’ financial statements and, if necessary, discounted based on management’s review and analysis. Appraised and reported values may be discounted based on management’s historical experience, changes in market conditions from the time of valuation, and/or management’s expertise and knowledge of the client and client’s business. Collateral dependent loans are reviewed and evaluated on at least a quarterly basis for additional individual reserve and adjusted accordingly, based on the factors identified above. OREO is adjusted to fair value upon transfer of the loans to OREO. Subsequently, OREO is carried at the lower of carrying value or fair value, less cost of disposal. The estimated fair value for OREO included in Level 3 is determined by independent market based appraisals and other available market information, less cost of disposal, that may be reduced further based on market expectations or an executed sales agreement. If the fair value of the collateral deteriorates subsequent to initial recognition, the Company records the OREO as a non-recurring Level 3 adjustment. Valuation techniques are consistent with those techniques applied in prior periods. Fair Value of Financial Instruments The Company discloses fair value information, based on the exit price notion, of financial instruments that are not measured at fair value in the financial statements. Fair value is the amount at which a financial instrument could be exchanged in a current transaction between willing parties, other than in a forced sale or liquidation, and is best evidenced by a quoted market price, if one exists. Quoted market prices, where available, are shown as estimates of fair market values. Because no quoted market prices are available for a significant portion of the Company's financial instruments, the fair value of such instruments has been derived based on the amount and timing of future cash flows and estimated discount rates based on observable inputs (“Level 2”) or unobservable inputs (“Level 3”). Present value techniques used in estimating the fair value of many of the Company's financial instruments are significantly affected by the assumptions used. 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 cash settlement of the instrument. Additionally, the accompanying estimates of fair values are only representative of the fair values of the individual financial assets and liabilities, and should not be considered an indication of the fair value of the Company. Management utilizes internal models used in asset liability management to determine the fair values disclosed below. Other investments include FRB and FHLB stock, whose carrying amounts approximate fair values based on the redemption provisions of each entity. The carrying amounts and fair values of the Company’s financial instruments at December 31 for the year indicated are presented in the following table: Fair Value Measurements 2024 Quoted Prices in Significant Other Significant (In thousands) Carrying Estimated Financial assets: Cash and cash equivalents $ 518,963 $ 518,963 $ 518,963 $ — $ — Residential mortgage loans held for sale 22,757 22,757 — 22,757 — SBA loans held for sale 715 763 — 763 — Available-for-sale debt securities 1,140,783 1,140,783 — 1,140,783 — Held-to-maturity debt securities 215,747 177,854 — 177,854 — Other investments 61,714 61,714 — 61,714 — Loans, net of allowance 11,403,565 10,685,700 — — 10,685,700 Interest rate swap agreements 15,361 15,361 — 15,361 — Accrued interest receivable 45,627 45,627 45,627 — — Bank owned life insurance 167,343 167,343 — 167,343 — Financial liabilities: Time deposits $ 2,580,578 $ 2,578,132 $ — $ 2,578,132 $ — Other deposits 9,165,087 9,165,087 9,165,087 — — Securities sold under retail repurchase agreements and federal funds purchased 68,911 68,911 — 68,911 — Advances from FHLB 250,000 248,749 — 248,749 — Subordinated debt 371,400 395,176 — — 395,176 Interest rate swap agreements 15,361 15,361 — 15,361 — Accrued interest payable 16,569 16,569 16,569 — — Fair Value Measurements 2023 Quoted Prices in Significant Other Significant (In thousands) Carrying Estimated Financial assets: Cash and cash equivalents $ 545,898 $ 545,898 $ 545,898 $ — $ — Residential mortgage loans held for sale 10,836 10,836 — 10,836 — Investments available-for-sale 1,102,681 1,102,681 — 1,102,681 — Held-to-maturity debt securities 236,165 200,411 — 200,411 — Other investments 75,607 75,607 — 75,607 — Loans, net of allowance 11,246,124 10,476,059 — — 10,476,059 Interest rate swap agreements 15,867 15,867 — 15,867 — Accrued interest receivable 46,583 46,583 46,583 — — Bank owned life insurance 158,921 158,921 — 158,921 — Financial liabilities: Time deposits $ 2,714,555 $ 2,704,013 $ — $ 2,704,013 $ — Other deposits 8,281,983 8,281,983 8,281,983 — — Securities sold under retail repurchase agreements and federal funds purchased 375,032 375,032 — 375,032 — Advances from FHLB 550,000 547,271 — 547,271 — Subordinated debt 370,803 348,185 — — 348,185 Interest rate swap agreements 15,867 15,867 — 15,867 — Accrued interest payable 30,367 30,367 30,367 — —

PARENT COMPANY FINANCIAL INFORM

PARENT COMPANY FINANCIAL INFORMATION	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
PARENT COMPANY FINANCIAL INFORMATION	PARENT COMPANY FINANCIAL INFORMATION Financial statements for Sandy Spring Bancorp, Inc. (Parent Only) for the periods indicated are presented in the following tables: Statements of Condition December 31, (In thousands) 2024 2023 Assets: Cash and cash equivalents $ 99,664 $ 125,165 Other investments 568 568 Investment in subsidiary 1,828,350 1,831,553 Goodwill 1,292 1,292 Other assets 3,095 3,451 Total assets $ 1,932,969 $ 1,962,029 Liabilities: Subordinated debt $ 371,400 $ 370,803 Accrued expenses and other liabilities 3,557 3,084 Total liabilities 374,957 373,887 Stockholders’ Equity: Common stock 45,140 44,914 Additional paid in capital 748,905 742,243 Retained earnings 856,613 898,316 Accumulated other comprehensive loss (92,647) (97,331) Total stockholders’ equity 1,558,011 1,588,142 Total liabilities and stockholders’ equity $ 1,932,969 $ 1,962,029 Statements of Income Year Ended December 31, (In thousands) 2024 2023 2022 Income: Cash dividends from subsidiary $ 47,430 $ 113,770 $ 65,410 Other income 5,699 3,204 494 Total income 53,129 116,974 65,904 Expenses: Interest 16,455 15,785 14,055 Other expenses 2,595 2,941 1,750 Total expenses 19,050 18,726 15,805 Income before income taxes and equity in undistributed income of subsidiary 34,079 98,248 50,099 Income tax benefit (2,785) (3,226) (3,175) Income before equity in undistributed income of subsidiary 36,864 101,474 53,274 Equity in undistributed income of subsidiary (16,929) 21,370 113,025 Net income $ 19,935 $ 122,844 $ 166,299 Statements of Cash Flows Year Ended December 31, (In thousands) 2024 2023 2022 Cash Flows from Operating Activities: Net income $ 19,935 $ 122,844 $ 166,299 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed income-subsidiary 16,929 (21,370) (113,025) Share based compensation expense 9,044 7,631 7,887 Other-net (7,617) (7,300) (9,760) Net cash provided by operating activities 38,291 101,805 51,401 Cash Flows from Investing Activities: Investment in subsidiary — — (150,000) Net cash provided by/ (used in) investing activities — — (150,000) Cash Flows from Financing Activities: Proceeds from issuance of subordinated debt — — 200,000 Proceeds from issuance of common stock 1,359 2,417 2,192 Stock tendered for payment of withholding taxes (3,513) (1,821) (2,353) Repurchase of common stock — — (24,987) Dividends paid (61,638) (61,159) (61,368) Net cash provided by/ (used in) financing activities (63,792) (60,563) 113,484 Net increase/ (decrease) in cash and cash equivalents (25,501) 41,242 14,885 Cash and cash equivalents at beginning of year 125,165 83,923 69,038 Cash and cash equivalents at end of year $ 99,664 $ 125,165 $ 83,923

REGULATORY MATTERS

REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2024
Banking and Thrift, Interest [Abstract]
REGULATORY MATTERS	REGULATORY MATTERS The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's and the Bank's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank's assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company and the Bank's capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established and defined by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios of Total, Tier 1 and Common Equity Tier 1 capital to risk-weighted assets, and of Tier 1 capital to average assets. As of December 31, 2024 and 2023, the capital levels of the Company and the Bank substantially exceeded all applicable capital adequacy requirements. As of December 31, 2024, the Bank was well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain minimum Total risk-based, Tier 1 risk-based, Common Equity Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the following table. There are no conditions or events since that notification that management believes have changed the Bank's category. The Company's and the Bank's actual capital amounts and ratios at December 31 for the years indicated are presented in the following table: Actual For Capital To be Well (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2024 Tier 1 Leverage: Company $ 1,317,776 9.39 % $ 561,204 4.00 % N/A N/A Sandy Spring Bank $ 1,589,407 11.33 % $ 561,077 4.00 % $ 701,347 5.00 % Common Equity Tier 1 Capital to risk- weighted assets: Company $ 1,317,776 11.36 % $ 522,147 4.50 % N/A N/A Sandy Spring Bank $ 1,589,407 13.70 % $ 521,980 4.50 % $ 753,971 6.50 % Tier 1 Capital to risk-weighted assets: Company $ 1,317,776 11.36 % $ 696,196 6.00 % N/A N/A Sandy Spring Bank $ 1,589,407 13.70 % $ 695,973 6.00 % $ 927,964 8.00 % Total Capital to risk-weighted assets: Company $ 1,784,263 15.38 % $ 928,262 8.00 % N/A N/A Sandy Spring Bank $ 1,715,894 14.79 % $ 927,964 8.00 % $ 1,159,956 10.00 % As of December 31, 2023 Tier 1 Leverage: Company $ 1,303,684 9.51 % $ 548,345 4.00 % N/A N/A Sandy Spring Bank $ 1,548,387 11.30 % $ 548,198 4.00 % $ 685,247 5.00 % Common Equity Tier 1 Capital to risk- weighted assets: Company $ 1,303,684 10.90 % $ 538,445 4.50 % N/A N/A Sandy Spring Bank $ 1,548,387 12.95 % $ 538,227 4.50 % $ 777,440 6.50 % Tier 1 Capital to risk-weighted assets: Company $ 1,303,684 10.90 % $ 717,926 6.00 % N/A N/A Sandy Spring Bank $ 1,548,387 12.95 % $ 717,637 6.00 % $ 956,849 8.00 % Total Capital to risk-weighted assets: Company $ 1,785,347 14.92 % $ 957,235 8.00 % N/A N/A Sandy Spring Bank $ 1,655,050 13.84 % $ 956,849 8.00 % $ 1,196,061 10.00 %

SUBSEQUENT EVENT

SUBSEQUENT EVENT	12 Months Ended
	Dec. 31, 2024
Subsequent Events [Abstract]
SUBSEQUENT EVENT	SUBSEQUENT EVENT On February 5, 2025, the Company and Atlantic Union issued a joint press release announcing that the Company’s stockholders and Atlantic Union’s shareholders have approved the previously announced merger agreement at their respective special meetings. The parties also announced that they have received the necessary bank regulatory approvals to complete the merger agreement. The Company and Atlantic Union expect to complete the merger on or about April 1, 2025, subject to the satisfaction or waiver of customary closing conditions.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Net income	$ 19,935	$ 122,844	$ 166,299

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 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

Insider Trading Policies and Pr

Insider Trading Policies and Procedures	12 Months Ended
	Dec. 31, 2024
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Cybersecurity Risk Management a

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	Information security, which includes cybersecurity, is a significant operational risk facing our business. Cybersecurity risks result from intentional malicious attacks or unintentional acts that result in an impact to the confidentiality, integrity or availability of our or our clients’ or third parties' operations, systems or data. Management assesses and manages material risks from cybersecurity threats through designated management positions and committees that are responsible for overseeing technology and information security. Our Chief Information Security Officer is responsible for information security and cybersecurity risk management. He has over 20 years of financial services related experience in cybersecurity program strategy, security architecture and security team leadership. Our Chief Technology Officer, among other duties, is responsible for the security and integrity of systems, applications and databases and coordinates security implementations, monitoring and enforcement in conjunction with the Chief Information Security Officer. He has over 25 years of experience building and leading technical organizations of various sizes, including in the banking industry. We maintain a comprehensive information security policy that is intended to maintain the security and confidentiality of client information, protect against threats to the security or integrity of such information, and protect against unauthorized access to or use of such information. We have a written information security program that is aligned to our information security policy and designed to assess, identify and manage risks that result from cybersecurity threats. The program is overseen and executed by a team of experienced, certified cybersecurity professionals. Our information security program is centered on preparing for, preventing, detecting, mitigating, responding to and recovering from cyber threats and cyber incidents while ensuring our processes continue to operate effectively. Annually, and at onboarding, our employees are required to take information security training. Employees also receive periodic education announcements on cybersecurity related topics to help them in their role in protecting the Bank and our clients from cybersecurity threats. Employees are tested on a monthly basis with simulated phishing emails and if necessary additional training is assigned. We use the Federal Financial Institutions Examination Council’s Cybersecurity Assessment Tool to help us identify our cybersecurity risks and determine our cybersecurity preparedness. This assessment tool incorporates regulatory guidance as well as concepts from other industry standards, including the National Institute of Standards and Technology Cybersecurity Framework. The results of the assessment are used to determine risk management practices and controls in order to align our cybersecurity preparedness to address the identified risks with our risk appetite. We engage a third-party to provide an annual risk assessment of our compliance with interagency guidelines for safeguarding confidential customer information. This risk assessment focuses on our information security program and the controls in place to protect client information. The results of the risk assessment are analyzed and used to improve our information security program where needed. Internal audits, regulatory examinations and third-party assessments of our processes in information technology and information security also help us assess our cybersecurity preparedness and whether risk management practices and controls need adjustment. Risk issues are identified through assessments, audits, examinations and security testing, and are tracked and reported. We have contracted with various service providers (vendors) who provide a broad range of services, including core banking, communications, collaboration and infrastructure services. We have established a vendor management policy to establish the principles, framework, and guidance for the effective review, engagement, monitoring, and oversight of vendors to ensure that we adequately manage operational, strategic, reputational, and other related risks inherent in outsourcing of services or operations. We manage the cybersecurity risks posed by our use of third-party service providers by conducting periodic risk assessments. The cybersecurity operations team is responsible for cyber threat detection, investigation and response. We leverage a managed security service provider to monitor key system and network activity on a 24/7/365 basis and to detect and alert the cyber security operations team of cyber threats and potential cybersecurity events of concern. In addition to monitoring for security events, cyber threat intelligence sources are analyzed in order to understand potential cyber threats and techniques that may be used in cyberattacks against us and to monitor for such threats. Examples of cyber threat intelligence sources include the Financial Services Information Sharing and Analysis Center, trade organizations, the Cybersecurity and Infrastructure Security Agency, security service providers, vendor alerts, and open-source intelligence sources. Our cybersecurity risk management processes are integrated into our overall risk management system through our risk management committee structure. These committees have processes to help facilitate appropriate and effective oversight of cybersecurity risk, including tracking and reporting of cybersecurity risks and remediation plans. The Technology Risk Committee, which is a standing subcommittee of the Operational Risk Committee, is responsible for the oversight of policies and practices relating to the identification, assessment, measurement, monitoring and management of our technology and information security risks. The Technology Risk Committee is chaired by our Chief Technology Officer and members include our Chief Information Officer, Chief Information Security Officer, and administrators of key business systems. The Technology Risk Committee reports regularly to the Operational Risk Committee, which reports to the Executive Risk Committee, which includes our Chief Executive Officer and other executive officers. Through this committee reporting structure, management is informed about and monitors the information security program and its management of cybersecurity risks and incidents. When a cybersecurity incident is detected, we follow a cybersecurity incident response plan and associated procedures as we mitigate, respond and recover from the incident. Management assesses the materiality of a cybersecurity incident to our business and determines the communications that are made to internal and external parties at the appropriate times. When a cybersecurity incident is detected, we follow a cybersecurity incident response plan and associated procedures as we mitigate, respond and recover from the incident. Management and, if required, external subject matter experts are directly involved in assessing the materiality of a cyber security incident to our business, and determine the communications that are made to internal and external parties at the appropriate times. The cybersecurity incident response plan is tested annually using a simulation exercise involving representatives from organizations across the Bank, including executive management.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	We use the Federal Financial Institutions Examination Council’s Cybersecurity Assessment Tool to help us identify our cybersecurity risks and determine our cybersecurity preparedness. This assessment tool incorporates regulatory guidance as well as concepts from other industry standards, including the National Institute of Standards and Technology Cybersecurity Framework. The results of the assessment are used to determine risk management practices and controls in order to align our cybersecurity preparedness to address the identified risks with our risk appetite. We engage a third-party to provide an annual risk assessment of our compliance with interagency guidelines for safeguarding confidential customer information. This risk assessment focuses on our information security program and the controls in place to protect client information. The results of the risk assessment are analyzed and used to improve our information security program where needed. Internal audits, regulatory examinations and third-party assessments of our processes in information technology and information security also help us assess our cybersecurity preparedness and whether risk management practices and controls need adjustment. Risk issues are identified through assessments, audits, examinations and security testing, and are tracked and reported.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	Management assesses and manages material risks from cybersecurity threats through designated management positions and committees that are responsible for overseeing technology and information security. Our Chief Information Security Officer is responsible for information security and cybersecurity risk management. He has over 20 years of financial services related experience in cybersecurity program strategy, security architecture and security team leadership. Our Chief Technology Officer, among other duties, is responsible for the security and integrity of systems, applications and databases and coordinates security implementations, monitoring and enforcement in conjunction with the Chief Information Security Officer. He has over 25 years of experience building and leading technical organizations of various sizes, including in the banking industry. We maintain a comprehensive information security policy that is intended to maintain the security and confidentiality of client information, protect against threats to the security or integrity of such information, and protect against unauthorized access to or use of such information. We have a written information security program that is aligned to our information security policy and designed to assess, identify and manage risks that result from cybersecurity threats. The program is overseen and executed by a team of experienced, certified cybersecurity professionals. Our information security program is centered on preparing for, preventing, detecting, mitigating, responding to and recovering from cyber threats and cyber incidents while ensuring our processes continue to operate effectively. Annually, and at onboarding, our employees are required to take information security training. Employees also receive periodic education announcements on cybersecurity related topics to help them in their role in protecting the Bank and our clients from cybersecurity threats. Employees are tested on a monthly basis with simulated phishing emails and if necessary additional training is assigned.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Board of Directors, through the efforts of its Risk Committee, oversees our continuing efforts to strengthen our information security infrastructure and staffing, adhere to regulatory guidelines and enhance our processes, technology controls and cybersecurity defenses. As part of its oversight of operational risk, the Risk Committee is responsible for the oversight of information security and cybersecurity risk management.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Technology Risk Committee reports regularly to the Operational Risk Committee, which reports to the Executive Risk Committee, which includes our Chief Executive Officer and other executive officers. Through this committee reporting structure, management is informed about and monitors the information security program and its management of cybersecurity risks and incidents. When a cybersecurity incident is detected, we follow a cybersecurity incident response plan and associated procedures as we mitigate, respond and recover from the incident. Management assesses the materiality of a cybersecurity incident to our business and determines the communications that are made to internal and external parties at the appropriate times. When a cybersecurity incident is detected, we follow a cybersecurity incident response plan and associated procedures as we mitigate, respond and recover from the incident. Management and, if required, external subject matter experts are directly involved in assessing the materiality of a cyber security incident to our business, and determine the communications that are made to internal and external parties at the appropriate times. The cybersecurity incident response plan is tested annually using a simulation exercise involving representatives from organizations across the Bank, including executive management.
Cybersecurity Risk Role of Management [Text Block]	Our Chief Information Security Officer is responsible for information security and cybersecurity risk management. He has over 20 years of financial services related experience in cybersecurity program strategy, security architecture and security team leadership. Our Chief Technology Officer, among other duties, is responsible for the security and integrity of systems, applications and databases and coordinates security implementations, monitoring and enforcement in conjunction with the Chief Information Security Officer. He has over 25 years of experience building and leading technical organizations of various sizes, including in the banking industry.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	The Technology Risk Committee, which is a standing subcommittee of the Operational Risk Committee, is responsible for the oversight of policies and practices relating to the identification, assessment, measurement, monitoring and management of our technology and information security risks. The Technology Risk Committee is chaired by our Chief Technology Officer and members include our Chief Information Officer, Chief Information Security Officer, and administrators of key business systems. The Technology Risk Committee reports regularly to the Operational Risk Committee, which reports to the Executive Risk Committee, which includes our Chief Executive Officer and other executive officers. Through this committee reporting structure, management is informed about and monitors the information security program and its management of cybersecurity risks and incidents. When a cybersecurity incident is detected, we follow a cybersecurity incident response plan and associated procedures as we mitigate, respond and recover from the incident. Management assesses the materiality of a cybersecurity incident to our business and determines the communications that are made to internal and external parties at the appropriate times. When a cybersecurity incident is detected, we follow a cybersecurity incident response plan and associated procedures as we mitigate, respond and recover from the incident. Management and, if required, external subject matter experts are directly involved in assessing the materiality of a cyber security incident to our business, and determine the communications that are made to internal and external parties at the appropriate times. The cybersecurity incident response plan is tested annually using a simulation exercise involving representatives from organizations across the Bank, including executive management.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	Our Chief Information Security Officer is responsible for information security and cybersecurity risk management. He has over 20 years of financial services related experience in cybersecurity program strategy, security architecture and security team leadership. Our Chief Technology Officer, among other duties, is responsible for the security and integrity of systems, applications and databases and coordinates security implementations, monitoring and enforcement in conjunction with the Chief Information Security Officer. He has over 25 years of experience building and leading technical organizations of various sizes, including in the banking industry.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	Our Chief Information Security Officer regularly reports to the Risk Committee on security events and incidents, testing, training, audits, new system assessments and the identification and remediation of cybersecurity risks. These reports also include topics such as the threat environment and vulnerability assessments, results of penetration testing, results of key cyber risk indicators and performance metrics, and our efforts to detect, prevent and respond to internal and external critical threats. The Risk Committee receives periodic updates on information security risk, the maturity of our information security program, and related investments and results. On an annual basis, the Risk Committee reviews and approves our information security program and information security policy.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

SIGNIFICANT ACCOUNTING POLICI_2

SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Nature of Operations	Nature of Operations Sandy Spring Bancorp, Inc. ("Bancorp" or, together with its subsidiaries, the "Company"), a Maryland corporation, is the bank holding company for Sandy Spring Bank (the “Bank”). The Bank offers a broad range of commercial banking, retail banking, mortgage services and trust services throughout central Maryland, northern Virginia, and the greater Washington, D.C. market. The Bank also offers a comprehensive menu of wealth management services through its subsidiaries, West Financial Services, Inc. (“West Financial”) and SSB Wealth Management, Inc. (d/b/a Rembert Pendleton Jackson, "RPJ”) .
Basis of Presentation	Basis of Presentation The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America (“GAAP”) and prevailing practices within the financial services industry for financial information. The following summary of significant accounting policies of the Company is presented to assist the reader in understanding the financial and other data presented in this report. Certain prior period amounts have been reclassified to conform to the current period presentation. Such reclassifications had no impact on the Company’s net income and shareholders’ equity. The Company has evaluated subsequent events through the date of the issuance of its financial statements.
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Sandy Spring Bank and its subsidiaries. Consolidation has resulted in the elimination of all significant intercompany accounts and transactions.
Use of Estimates	Use of Estimates The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements, in addition to affecting the reported amounts of revenues earned and expenses incurred during the reporting period. Actual results could differ from those estimates. Estimates that could change significantly relate to the provision for credit losses and the related allowance, potential impairment of goodwill or other intangible assets, valuation of investment securities and the determination of whether available-for-sale debt securities with fair values less than amortized costs are impaired and require an allowance for credit losses, valuation of other real estate owned, valuation of share based compensation, the assessment that a liability should be recognized with respect to any matters under litigation, and the calculation of current and deferred income taxes.
Assets Under Management	Assets Under Management Assets held for others under fiduciary and agency relationships are not assets of the Company or its subsidiaries and are not included in the accompanying Consolidated Statements of Condition. Trust department income and investment management fees are presented on an accrual basis.
Cash Flows	Cash Flows For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, federal funds sold and interest-bearing deposits with banks (items with an original maturity of three months or less).
Revenue from Contract with Customers	Revenue from Contracts with Customers The Company’s revenue includes net interest income on financial instruments and non-interest income. Specific categories of revenue are presented in the Consolidated Statements of Income. Most of the Company’s revenue is not within the scope of Accounting Standard Codification (“ASC”) 606 – Revenue from Contracts with Customers. For revenue within the scope of ASC 606, the Company provides services to customers and has related performance obligations. The revenue from such services is recognized upon satisfaction of all contractual performance obligations. The following discusses key revenue streams within the scope of revenue recognition guidance. West Financial and RPJ provide comprehensive investment management and financial planning services. Wealth management income is comprised of income for providing trust, estate and investment management services. Trust services include acting as a trustee for corporate or personal trusts. Investment management services include investment management, record-keeping and reporting of security portfolios. Fees for these services are recognized based on a contractually-agreed fixed percentage applied to net assets under management at the end of each reporting period. The Company does not charge/recognize any performance-based fees. Service charges on deposit accounts are earned on depository accounts for consumer and commercial account holders and include fees for account and overdraft services. Account services include fees for event-driven services and periodic account maintenance activities. An obligation for event-driven services is satisfied at the time of the event when service is delivered and revenue recognized as earned. Obligation for maintenance activities is satisfied over the course of each month and revenue is recognized at month end. The overdraft services obligation is satisfied at the time of the overdraft and revenue is recognized as earned.
Residential Mortgage Loans Held For Sale	Residential Mortgage Loans Held for Sale The Company engages in sales of residential mortgage loans originated by the Bank. Loans held for sale are carried at fair value. Fair value is derived from secondary market quotations for similar instruments. The Company measures residential mortgage loans at fair value when the Company first recognizes the loan (i.e., the fair value option). Changes in fair value of these loans are recorded in earnings as a component of mortgage banking activities in non-interest income in the Consolidated Statements of Income. The Company's current practice is to sell the majority of such loans on a servicing released basis. Any retained servicing assets are amortized in proportion to their net servicing fee income over the life of the respective loans. Servicing assets are evaluated for impairment on a periodic basis.
Investments Held-to-maturity	Investments Held-to-maturity Debt securities that are purchased with the positive intent and ability to be held until their maturity are classified as held-to-maturity (“HTM”). HTM debt securities are recorded at cost adjusted for amortization of premiums and accretion of discounts. Transfers of debt securities from available-for-sale ("AFS") category to HTM category are made at fair value as of the transfer date. The unrealized gain or loss at the date of transfer continues to be reported in accumulated other comprehensive income and in the carrying amount of the HTM securities. Both amounts are amortized over the remaining life of the security as a yield adjustment in interest income and effectively offset each other.
Investments Available-for-sale	Investments Available-for-Sale Debt securities not classified as held-to-maturity or trading are classified as securities available-for-sale. Securities available-for-sale are acquired as part of the Company's asset/liability management strategy and may be sold in response to changes in interest rates, loan demand, changes in prepayment risk or other factors. Securities available-for-sale are carried at fair value, with unrealized gains or losses based on the difference between amortized cost and fair value, reported net of deferred tax, as accumulated other comprehensive income/ (loss), a separate component of stockholders' equity. The amortized cost of securities available-for-sale are adjusted for premium amortization and discount accretion. Premium is amortized to the earliest call date and discount accreted to the maturity date using the effective interest method. Realized gains and losses on security sales or maturities, using the specific identification method, are included as a separate component of non-interest income. Related interest and dividend income are included in interest income. Declines in the fair value of individual available-for-sale securities below their amortized cost due to credit-related factors are recognized as an allowance for credit losses. Credit-related factors affecting the determination of whether impairment has occurred include a downgrading of the security below investment grade by a rating agency or due to potential default, a significant deterioration in the financial condition of the issuer, increase in entity-specific credit spreads. Additionally, on any available-for-sale securities with unrealized losses, the Company evaluates its intent and ability to hold the investment for a period of time sufficient to allow for any anticipated recovery in fair value.
Other Investments	Other Investments Equity securities include Federal Reserve Bank stock, Federal Home Loan Bank of Atlanta ("FHLB") stock and other equities that are considered restricted as to marketability and recorded at cost. As these securities do not have readily available market values, they are carried at cost and adjusted for any necessary impairments each reporting period.
Loan Financing Receivables	Loan Financing Receivables The Company’s financing receivables consist primarily of loans that are stated at their principal balance outstanding, net of any unearned income, acquisition fair value marks and deferred loan origination fees and costs. Interest income on loans is accrued at the contractual rate based on the principal balance outstanding. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method. Loans are considered past due or delinquent when the principal or interest due in accordance with the contractual terms of the loan agreement or any portion thereof remains unpaid after the due date of the scheduled payment. Immaterial shortfalls in payment amounts do not necessarily result in a loan being considered delinquent or past due. If any payments are past due and subsequent payments are resumed without payment of the delinquent amount, the loan shall continue to be considered past due. Whenever any loan is reported delinquent on a principal or interest payment or portion thereof, the amount reported as delinquent is the outstanding principal balance of the loan. Loans, except for consumer installment loans, are placed into non-accrual status when any portion of the loan principal or interest becomes 90 days past due. Management may determine that certain circumstances warrant earlier discontinuance of interest accruals on specific loans if an evaluation of other relevant factors (such as bankruptcy, interruption of cash flows, etc.) indicates collection of amounts contractually due is unlikely. These loans are considered, collectively, to be non-performing loans. Consumer installment loans that are not secured by real estate are not placed on non-accrual, but are charged down to their net realizable value when they are four months past due. Loans designated as non-accrual have all previously accrued but unpaid interest reversed. Interest income is not recognized on non-accrual loans. All payments received on non-accrual loans are applied using a cost-recovery method to reduce the outstanding principal balance until the loan returns to accrual status. Loans may be returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured. On January 1, 2023, the Company adopted provisions of ASU 2022-02, "Financial Instruments - Credit Losses (Topic 326)", which eliminated accounting guidance for troubled debt restructurings ("TDRs") by creditors and expanded disclosures about modifications. Prior to the effective adoption date, the Company considered loans to be TDRs if their terms were restructured (e.g., interest rates, loan maturity date, payment and amortization period, etc.) in circumstances that provided a payment concession to a borrower experiencing financial difficulty. Loans could be removed from a TDR category if the borrower no longer experienced financial difficulty, a re-underwriting event took place, and the revised loan terms of the subsequent restructuring agreement were considered to be consistent with terms that could be obtained in the market for loans with comparable credit risk. Subsequent to the effective adoption date of ASU 2022-02, the Company continues to offer modifications to certain borrowers experiencing financial difficulty, mainly in the form of interest rate concessions or term extensions, without classifying and accounting for them as TDRs.
Allowance for Credit Losses	Allowance for Credit Losses The allowance for credit losses (“allowance” or “ACL”) represents an amount which, in management's judgment, reflects the lifetime expected losses that may be sustained on outstanding loans at the balance sheet date based on the evaluation of the size and current risk characteristics of the loan portfolio, past events, current conditions, reasonable and supportable forecasts of future economic conditions and prepayment experience. The allowance is measured and recorded upon the initial recognition of a financial asset. The allowance is reduced by charge-offs, net of recoveries of previous losses, and is increased or decreased by a provision or credit for credit losses, which is recorded as a current period expense. Determination of the appropriateness of the allowance is inherently complex and requires the use of significant and highly subjective estimates. The reasonableness of the allowance is reviewed by the Risk Committee of the Board of Directors and formally approved quarterly by that same committee of the Board. The Company’s methodology for estimating the allowance includes: (1) a collective quantified reserve that reflects the Company’s historical default and loss experience adjusted for expected economic conditions throughout a two year reasonable and supportable period, followed by a two year reversion period, and the Company’s prepayment and curtailment rates; (2) collective qualitative factors that consider the expected impact of certain factors not fully captured in the collective quantified reserve, including concentrations of the loan portfolio, expected changes to the economic forecasts, large relationships, early delinquencies, and factors related to credit administration, including, among others, loan-to-value ratios, borrowers’ risk rating and credit score migrations; and (3) individual allowances on collateral-dependent loans where borrowers are experiencing financial difficulty or when the Company determines that the foreclosure is probable. The Company excludes accrued interest from the measurement of the allowance as the Company has a non-accrual policy to reverse any accrued, uncollected interest income as loans are moved to non-accrual status. Loans are pooled into segments based on the similar risk characteristics of the underlying borrowers, in addition to consideration of collateral type, industry and business purpose of the loans. Portfolio segments used to estimate the allowance are the same as portfolio segments used for general credit risk management purposes. Refer to Note 4 for more details on the Company’s portfolio segments. The Company applies two calculation methodologies to estimate the collective quantified component of the allowance: expected loss method and weighted average remaining life method. Allowance estimates on commercial acquisition, development and construction (“AD&C”) and residential construction segments are based on the weighted average remaining life method. Allowance estimates on all other portfolio segments are based on the expected loss method. Collective calculation methodologies utilize the Company’s historical default and loss experience adjusted for future economic forecasts. The reasonable and supportable forecast period represents a two-year economic outlook for the applicable economic variables. Following the end of the reasonable and supportable forecast period expected losses revert back to the historical mean over the next two years on a straight-line basis. Economic variables that have the most significant impact on the allowance include: unemployment rate, gross domestic product, commercial real estate price index, residential real estate house price index and business bankruptcies. Contractual loan level cash flows within the expected loss methodology are adjusted for the Company’s historical prepayment and curtailment rate experience. The individual reserve assessment is applied to collateral dependent loans where borrowers are experiencing financial difficulty or when the Company determines that a foreclosure is probable. The determination of the fair value of the collateral depends on whether a repayment of the loan is expected to be from the sale or the operation of the collateral. When a repayment is expected from the operation of the collateral, the Company uses the present value of expected cash flows from the operation of the collateral as the fair value. When the repayment of the loan is expected from the sale of the collateral the fair value of the collateral is based on an observable market price or the collateral’s appraised value, less estimated costs to sell. Third-party appraisals used in the individual reserve assessment are conducted at least annually with underlying assumptions that are reviewed by management. Third-party appraisals may be obtained on a more frequent basis if deemed necessary. Internal evaluations of collateral value are conducted quarterly to ensure any further deterioration of the collateral value is recognized on a timely basis. During the individual reserve assessment, management also considers the potential future changes in the value of the collateral over the remainder of the loan’s remaining life. The Company may receive updated appraisals which contradict the preliminary determination of fair value used to establish an individual allowance on a loan. In these instances the individual allowance is adjusted to reflect the Company’s evaluation of the updated appraised fair value. In the event a loss was previously confirmed and the loan was charged down to the estimated fair value based on a previous appraisal, the balance of partially charged-off loans are not subsequently increased, but could be further decreased depending on the direction of the change in fair value. Payments on fully or partially charged-off loans are accounted for under the cost-recovery method. Under this method, all payments received are applied on a cash basis to reduce the entire outstanding principal balance, then to recognize a recovery of all previously charged-off amounts before any interest income may be recognized. Based on the individual reserve assessment, if the Company determines that the fair value of the collateral is less than the amortized cost basis of the loan, an individual allowance will be established measured as the difference between the fair value of the collateral (less costs to sell) and the amortized cost basis of the loan. Once a loss has been confirmed, the loan is charged-down to its estimated fair value. Large groups of smaller non-accrual homogeneous loans are not individually evaluated for allowance and include residential permanent and construction mortgages and consumer installment loans. These portfolios are reserved for on a collective basis using historical loss rates of similar loans over the weighted average life of each pool. Unfunded lending commitments are reviewed to determine if they are considered unconditionally cancellable. The Company establishes reserves for unfunded commitments that do not meet that criteria as a liability in the Consolidated Statements of Condition. Changes to the liability are recorded through the provision for credit losses in the Consolidated Statements of Income. The establishment of the reserves for unfunded commitments considers both the likelihood that the funding will occur and an estimate of the expected credit losses over the life of the respective commitments. Management believes it uses relevant information available to make determinations about the allowance for credit losses and the reserve for unfunded commitments and that it has established both reserves in accordance with GAAP. However, the determination of the allowance requires significant judgment, and estimates of expected lifetime losses in the loan portfolio can vary significantly from the amounts actually observed. While management uses available information to recognize expected losses, future additions to the allowance may be necessary based on changes in the loans comprising the portfolio, changes in the current and forecasted economic conditions, changes to the interest rate environment which may directly impact prepayment and curtailment rate assumptions, and changes in the financial condition of borrowers.
Premises and Equipment	Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation and amortization, computed using the straight-line method. Premises and equipment are depreciated over the useful lives of the assets, which generally range from 3 to 10 years for furniture, fixtures and equipment, 3 to 5 years for computer software and hardware, and 10 to 40 years for buildings and building improvements. Leasehold improvements are amortized over the lesser of the lease term or the estimated useful lives of the improvements. The costs of major renewals and betterments are capitalized, while the costs of ordinary maintenance and repairs are included in non-interest expense.
Leases	Leases The Company determines if an arrangement is a lease at inception. All of the Company’s leases are currently classified as operating leases and are included in other assets and other liabilities on the Company’s Consolidated Statements of Condition. Periodic operating lease costs are recorded in occupancy expenses of premises on the Company's Consolidated Statements of Income. Right-of-use (“ROU”) assets represent the Company’s right to use an underlying asset for the lease term, and lease liabilities represent the Company’s obligation to make lease payments arising from the lease arrangements. Operating lease ROU assets and liabilities are recognized at the lease commencement date based on the present value of the expected future lease payments over the remaining lease term. In determining the present value of future lease payments, the Company uses its incremental borrowing rate based on the information available at the lease commencement date. The operating ROU assets are adjusted for any lease payments made at or before the lease commencement date, initial direct costs, any lease incentives received and, for acquired leases, any favorable or unfavorable fair value adjustments. The present value of the lease liability may include the impact of options to extend or terminate the lease when it is reasonably certain that the Company will exercise such options provided in the lease terms. Lease expense is recognized on a straight-line basis over the expected lease term. Lease agreements that include lease and non-lease components, such as common area maintenance charges, are accounted for separately.
Segment Reporting	Segment Reporting Operating segments are components of a business about which separate financial information is available and evaluated regularly by the Chief Executive Officer, who is the designated chief operating decision maker, in deciding how to allocate resources and assessing performance. The Bank is the Company’s only reportable operating segment upon which management makes decisions regarding how to allocate resources and assess performance. While the Company’s chief operating decision maker has some limited financial information about its various financial products and services, that information is not complete since it does not include a full allocation of revenue, costs, and capital from key corporate functions; therefore, the Company evaluates financial performance on a company-wide basis. Management continues to evaluate the Company's business units for separate reporting as facts and circumstances change. The Company's single reportable segment, the Bank, includes revenues from interest income from financial instruments and non-interest income, which include wealth management and service charges on deposit accounts. Segment performance is evaluated using net income that is also reported on the Consolidated Statement of Income. The measure of segment assets is reported on the Consolidated Statements of Condition as total assets. The chief operating decision maker evaluates the financial performance of the Company's segment using net income to monitor budget versus actual results and in determination of allocating resources. The Company does not have intra-entity sales or transfers.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets Goodwill represents the excess purchase price paid over the fair value of the net assets acquired in a business combination. Goodwill is not amortized but is tested for impairment annually or more frequently if events or changes in circumstances indicate that the asset might be impaired. The current accounting guidance provides the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that the fair value of a reporting unit is less than its carrying amount. The Company assesses qualitative factors on a quarterly basis. Based on the assessment of these qualitative factors, if it is determined that it is more likely than not that the fair value of a reporting unit remains in excess of the carrying value, then performing a quantitative impairment test is not necessary. However, if it is determined that it is more likely than not that the carrying value exceeds the fair value, a quantitative analysis is required to determine whether an impairment exists. Annually, the Company performs an impairment test of goodwill as of October 1 of each year. As of October 1, 2023, the Company’s annual goodwill impairment assessment date, the Company performed an impairment test for its two reporting units: Community Banking and Investment Management. The results of the 2023 annual goodwill impairment test for the two reporting units, which included both qualitative and quantitative assessments, indicated that the estimated fair value of each reporting unit exceeded its carrying amount and that the goodwill assigned to the Community Banking reporting unit may be at risk of impairment in future periods. The Company provided detailed disclosures regarding the 2023 impairment analysis and the results of the testing in its annual financial statements for the year ended December 31, 2023 in its 2023 Annual Report on Form 10-K. In addition to the annual impairment testing process, on a quarterly basis, the Company monitors each reporting unit for any triggering events and performs qualitative assessments of impairment indicators. During 2024, management performed both quarterly qualitative assessments and an annual quantitative impairment test. In the annual quantitative impairment test, the Agreement and Plan of Merger ("Merger Agreement") with Atlantic Union Bankshares Corporation ("Altantic Union") entered by the Company on October 21, 2024 was used as the most accurate market data point to evaluate the fair value of the reporting units. The Company's annual impairment test of goodwill using the transaction terms from the Merger Agreement resulted in an implied deal value of $1,574.4 million. Compared to the book value of equity of $1,628.8 million as of October 1, 2024, a goodwill impairment charge of $54.4 million was recorded. Management allocated the entire goodwill impairment charge to the Community Banking reporting unit based on the immaterial size of the Investment Management reporting unit relative to the Consolidated Bancorp for both asset and equity. Finally, management further evaluated any potential triggering events between the date of the annual impairment test and December 31, 2024, concluding that no such events occurred.
Other Real Estate Owned	Other Real Estate Owned OREO is comprised of properties acquired in partial or total satisfaction of problem loans. The properties are recorded at fair value less estimated costs of disposal, on the date acquired or on the date that the Company acquires effective control over the property. Gains or losses arising at the time of acquisition of such properties are charged against the allowance for credit losses. During the holding period OREO continues to be measured at lower of cost or fair value less estimated costs of disposal, and any subsequent declines in value are expensed as incurred. Gains and losses realized from the sale of OREO, as well as valuation adjustments and expenses of operation are included in non-interest expense.
Derivative Financial Instruments	Derivative Financial Instruments Derivative Loan Commitments Mortgage loan commitments are derivative loan commitments if the loan that will result from exercise of the commitment will be held for sale upon funding. Derivative loan commitments are recognized at fair value in the Consolidated Statements of Condition in other assets or other liabilities with changes in their fair values recorded as a component of mortgage banking activities in the Consolidated Statements of Income. Mortgage loan commitments are issued to borrowers. Subsequent to commitment date, changes in the fair value of the loan commitment are recognized based on changes in the fair value of the underlying mortgage loan due to interest rate changes, changes in the probability the derivative loan commitment will be exercised, and the passage of time. In estimating fair value, a probability is assigned to a loan commitment based on an expectation that it will be exercised and the loan will be funded. Forward Loan Sale Commitments Loan sales agreements are evaluated to determine whether they meet the definition of a derivative as facts and circumstances may differ significantly. If agreements qualify, to protect against the price risk inherent in derivative loan commitments, the Company utilizes both “mandatory delivery” and “best efforts” forward loan sale commitments to mitigate the risk of potential decreases in the values of loans that would result from the exercise of the derivative loan commitments. Mandatory delivery contracts are accounted for as derivative instruments. Generally, best efforts contracts also meet the definition of derivative instruments after the loan to the borrower has closed. Accordingly, forward loan sale commitments that economically hedge the closed loan inventory are recognized at fair value in the Consolidated Statements of Condition in other assets or other liabilities with changes in their fair values recorded as a component of mortgage banking activities in the Consolidated Statements of Income. The Company estimates the fair value of its forward loan sales commitments using a methodology similar to that used for derivative loan commitments. Interest Rate Swap Agreements The Company enters into interest rate swaps (“swaps”) with commercial loan customers to provide a facility to mitigate the fluctuations in the variable rate on the respective loans. These swaps are matched in exact offsetting terms to swaps that the Company enters into with an outside third party. The swaps are reported at fair value in other assets or other liabilities in the Consolidated Statements of Condition. The Company's swaps qualify as derivatives, but are not designated as hedging instruments, thus any net gain or loss resulting from changes in the fair value is recognized in other non-interest income in the Consolidated Statements of Income. Further discussion of the Company's financial derivatives is set forth in Note 18.
Off-Balance Sheet Credit Risk	Off-Balance Sheet Credit Risk The Company issues financial or standby letters of credit that represent conditional commitments to fund transactions by the Company, typically to guarantee performance of a customer to a third-party related to borrowing arrangements. The credit risk associated with issuing letters of credit is essentially the same as occurs when extending loan facilities to borrowers. The Company monitors the exposure to the letters of credit as part of its credit review process. Extensions of letters of credit, if any, would become part of the loan balance outstanding and would be evaluated in accordance with the Company’s credit policies. Potential exposure to loss for unfunded letters of credit if deemed necessary would be recorded in other liabilities in the Consolidated Statements of Condition. In the ordinary course of business the Company originates and sells whole loans to a variety of investors. Mortgage loans sold are subject to representations and warranties made to the third-party purchasers regarding certain attributes. Subsequent to the sale, if a material underwriting deficiency or documentation defect is determined, the Company may be obligated to repurchase the mortgage loan or reimburse the investor for losses incurred if the deficiency or defect cannot be rectified within a specific period subsequent to discovery. The Company monitors the activity regarding the requirement to repurchase loans and the associated losses incurred. This information is applied to determine an estimated recourse reserve that is recorded in other liabilities in the Consolidated Statements of Condition.
Valuation of Long-Lived Assets	Valuation of Long-Lived Assets The Company reviews long-lived assets, including leases, and certain identifiable intangible assets for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability is measured by comparing the carrying amount of the asset to future undiscounted net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying amount of the assets exceeds the estimated fair value of the assets. Assets to be disposed of are reported at the lower of the cost or the fair value, less costs to sell.
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right or from providing more than a trivial benefit to the transferor) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through any agreement to repurchase or redeem them before their maturity or likely cause a holder to return those assets whether through unilateral ability or a price so favorable to the transferee that it is probable that the transferee will require the transferor to repurchase them. A participating interest must be in an entire financial asset and cannot represent an interest in a group of financial assets. Except for compensation paid for services performed, all cash flows from the asset are allocated to the participating interest holders in proportion to their share of ownership. Financial assets obtained or liabilities incurred in a sale are recognized and initially measured at fair value.
Advertising Costs	Advertising Costs Advertising costs are expensed as incurred and included as marketing expense in non-interest expenses in the Consolidated Statements of Income.
Net Income per Common Share	Net Income per Common Share The Company calculates earnings per common share under the two class method, which provides that unvested share-based payment awards that contain non-forfeitable rights to dividends or dividend equivalents (whether paid or unpaid) are participating securities and shall be included in the computation of earnings per share pursuant to the dual class method. The Company has determined that its outstanding non-vested restricted stock awards are participating securities. Under the two class method, basic earnings per common share is computed by dividing net earnings allocated to common shareholders by the weighted average number of common shares outstanding during the applicable period, which excludes outstanding participating securities. Diluted earnings per common share is computed using the weighted average number of common shares determined for the basic earnings per common share computation plus the dilutive effect of incremental stock options and restricted stock.
Income Taxes	Income Taxes Income tax expense is based on the results of operations, adjusted for permanent differences between items of income or expense reported in the financial statements and those reported for tax purposes. Deferred income tax assets and liabilities are determined using the liability method. Under the liability method, deferred income taxes are determined based on the differences between the financial statement carrying amounts and the income tax bases of assets and liabilities and are measured at the enacted tax rates that will be in effect when these differences reverse. The effects of the enactment of the new tax law are accounted for under the existing authoritative guidance.
Adopted Accounting Pronouncements and Pending Accounting Pronouncements applicable to the Company	Adopted Accounting Pronouncements In March 2022, the FASB issued ASU 2022-02, "Financial Instruments - Credit Losses (Topic 326)", which eliminated the accounting guidance on TDRs and amended the guidance on “vintage disclosures” to require disclosure of current period gross charge-offs by year of origination. The ASU also added enhanced disclosures for creditors with respect to loan refinancing and restructurings for borrowers experiencing financial difficulty. The objective of the disclosures was to provide information about the type and magnitude of modifications and the degree of their success in mitigating potential credit losses. The Company fully adopted this update effective January 1, 2023 on a prospective basis. The adoption of this pronouncement did not have a material impact on the Consolidated Financial Statements. In March 2020, the FASB issued ASU 2020-04, “Reference Rate Reform (Topic 848)”. This ASU provided temporary, optional guidance to ease the potential burden in accounting for, or recognizing the effects of, the transition away from the London Interbank Offered Rate ("LIBOR") or other reference rate expected to be discontinued on financial reporting. The standard was elective and provided optional expedients and exceptions for applying GAAP to contracts, hedging relationships, or other transactions that reference LIBOR, or another reference rate expected to be discontinued. The amendments in the update were effective for all entities between March 12, 2020 and December 31, 2022. In January 2021, the FASB issued ASU 2021-01, “Reference Rate Reform (Topic 848): Scope”. This ASU refines the scope of Topic 848 and addresses questions about whether Topic 848 can be applied to derivative instruments that do not reference a rate that is expected to be discontinued, but that use an interest rate for margining, discounting or contract price alignment that is expected to be modified as a result of reference rate reform. ASU 2021-01 is effective upon issuance through December 31, 2024, and can be adopted at any time during this period. The adoption did not have a material impact on the Company’s Consolidated Financial Statements. 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". ASU 2023-02 allows reporting entities to elect to account for qualifying tax equity investments using the proportional amortization method, regardless of the program giving rise to the related income tax credits. The amendment in this ASU also removes the specialized guidance for low-income-housing tax credit investments that are not accounted for using the proportional amortization method and instead require that those LIHTC investments be accounted for using the guidance in other GAAP. The amendments are effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. The adoption of this pronouncement did not have a material impact on the Consolidated Financial Statements. In November 2023, the FASB issued ASU 2023-07, "Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures", which requires public entities to disclose information about their reportable segments' significant expenses on an interim and annual basis. The ASU is effective for fiscal years beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. Entities must adopt this ASU on a retrospective basis. The Company fully adopted this update beginning 2024 fiscal year. The adoption did not have a material impact on its Consolidated Financial Statements. Pending Accounting Pronouncements applicable to the Company In November 2024, the FASB issued ASU 2024-03, "Income Statement - Reporting Comprehensive Income - Expenses Disaggregation Disclosures (Subtopic 220-40). ASU 2024-03 requires disaggregated disclosure of income statement expenses for public business entities. This ASU is effective for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. Early adoption is permitted. The adoption of this pronouncement is not expected to have a material impact on the Consolidated Financial Statements and accompanying footnotes.

INVESTMENTS (Tables)

INVESTMENTS (Tables)	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Amortized Cost and Estimated Fair Values of Investments	The amortized cost and estimated fair values of investments available-for-sale and held-to-maturity at December 31 are presented in the following table: 2024 2023 (In thousands) Amortized Cost Gross Unrealized Gross Unrealized Estimated Fair Amortized Cost Gross Unrealized Gross Unrealized Estimated Fair Available-for-sale debt securities U.S. treasuries and government agencies $ 84,420 $ — $ (2,106) $ 82,314 $ 101,678 $ — $ (4,751) $ 96,927 State and municipal 281,837 1 (46,904) 234,934 311,505 1 (43,292) 268,214 Mortgage-backed and asset-backed 888,064 195 (64,724) 823,535 807,636 181 (70,277) 737,540 Total available-for-sale debt securities $ 1,254,321 $ 196 $ (113,734) $ 1,140,783 $ 1,220,819 $ 182 $ (118,320) $ 1,102,681 Held-to-maturity debt securities: Mortgage-backed and asset-backed 215,747 — (37,893) 177,854 236,165 — (35,754) 200,411 Total held-to-maturity debt securities $ 215,747 $ — $ (37,893) $ 177,854 $ 236,165 $ — $ (35,754) $ 200,411 Total debt securities $ 1,470,068 $ 196 $ (151,627) $ 1,318,637 $ 1,456,984 $ 182 $ (154,074) $ 1,303,092
Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value	Gross unrealized losses and fair values by length of time that individual available-for-sale securities have been in an unrealized loss position at December 31 are presented in the following tables: December 31, 2024 Number Less Than 12 Months 12 Months or More Total (Dollars in thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. treasuries and government agencies 7 $ — $ — $ 82,314 $ 2,106 $ 82,314 $ 2,106 State and municipal 116 2,979 213 226,234 46,691 229,213 46,904 Mortgage-backed and asset-backed 353 223,136 3,491 552,517 61,233 775,653 64,724 Total 476 $ 226,115 $ 3,704 $ 861,065 $ 110,030 $ 1,087,180 $ 113,734 December 31, 2023 Number Less Than 12 Months 12 Months or More Total (Dollars in thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. treasuries and government agencies 10 $ — $ — $ 96,927 $ 4,751 $ 96,927 $ 4,751 State and municipal 123 4,162 84 262,081 43,208 266,243 43,292 Mortgage-backed and asset-backed 321 22,731 106 691,281 70,171 714,012 70,277 Total 454 $ 26,893 $ 190 $ 1,050,289 $ 118,130 $ 1,077,182 $ 118,320
Estimated Fair Values of Debt Securities by Contractual Maturity	The estimated fair values and amortized costs of available-for-sale and held-to-maturity debt securities by contractual maturity at December 31 are provided in the following table: December 31, 2024 December 31, 2023 (In thousands) Fair Value Amortized Cost Fair Value Amortized Cost U.S. treasuries and government agencies: One year or less $ 58,341 $ 59,634 $ 17,798 $ 17,979 One to five years 23,973 24,786 79,129 83,699 Five to ten years — — — — After ten years — — — — State and municipal: One year or less 19,285 19,467 22,345 22,793 One to five years 14,447 15,286 33,282 34,288 Five to ten years 56,396 66,696 46,355 54,487 After ten years 144,806 180,388 166,232 199,937 Mortgage-backed and asset-backed: One year or less 9,493 9,503 20,814 21,111 One to five years 20,937 21,347 29,823 30,666 Five to ten years 273,282 293,839 256,924 280,209 After ten years 519,823 563,375 429,979 475,650 Total available-for-sale debt securities $ 1,140,783 $ 1,254,321 $ 1,102,681 $ 1,220,819 December 31, 2024 December 31, 2023 (In thousands) Fair Value Amortized Cost Fair Value Amortized Cost Held-to-maturity debt securities Mortgage-backed and asset-backed: One year or less — — — — One to five years — — — — Five to ten years 27,357 30,059 31,434 34,458 After ten years 150,497 185,688 168,977 201,707 Total held-to-maturity debt securities $ 177,854 $ 215,747 $ 200,411 $ 236,165
Other Investments	Other investments are presented in the following table: (In thousands) 2024 2023 Federal Reserve Bank stock, at cost $ 39,346 $ 39,125 Federal Home Loan Bank of Atlanta stock, at cost 21,691 35,805 Other 677 677 Total other investments, at cost $ 61,714 $ 75,607
Gross Realized Gains and Losses on All Investments	Gross realized gains and losses on all investments for the years ended December 31 are presented in the following table: (In thousands) 2024 2023 2022 Gross realized gains from sales of investments available-for-sale $ — $ — $ 8 Gross realized losses from sales of investments available-for-sale — — (393) Net gains from calls of investments available-for-sale — — 40 Net investment securities losses $ — $ — $ (345)

LOANS (Tables)

LOANS (Tables)	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Loan Portfolio Segment Balances	The loan portfolio segment balances at December 31 are presented in the following table: (In thousands) 2024 2023 Commercial real estate: Commercial investor real estate $ 4,779,593 $ 5,104,425 Commercial owner-occupied real estate 1,748,772 1,755,235 Commercial AD&C 1,327,292 988,967 Commercial business 1,653,135 1,504,880 Total commercial loans 9,508,792 9,353,507 Residential real estate: Residential mortgage 1,537,589 1,474,521 Residential construction 49,028 121,419 Consumer 442,557 417,542 Total residential and consumer loans 2,029,174 2,013,482 Total loans $ 11,537,966 $ 11,366,989
Summary of Loans to Related Parties	Certain directors and executive officers have loan transactions with the Company. The following schedule summarizes changes in amounts of loans outstanding, both direct and indirect, to these persons during the periods indicated: (In thousands) 2024 2023 Balance at January 1 $ 67,154 $ 60,856 Additions 20,658 9,543 Repayments (5,258) (3,245) Balance at December 31 $ 82,554 $ 67,154

CREDIT QUALITY ASSESSMENT (Tabl

CREDIT QUALITY ASSESSMENT (Tables)	12 Months Ended
	Dec. 31, 2024
Credit Loss [Abstract]
Allowance For Credit Loss Activity	Summary information on the allowance for credit loss activity for the years ended December 31 is provided in the following table: (In thousands) 2024 2023 2022 Balance at beginning of year $ 120,865 $ 136,242 $ 109,145 Provision/ (credit) for credit losses - loans 17,255 (13,894) 26,680 Loans charge-offs (4,608) (2,614) (1,105) Loans recoveries 889 1,131 1,522 Net (charge-offs)/ recoveries (3,719) (1,483) 417 Balance at period end $ 134,401 $ 120,865 $ 136,242
Schedule of Collateral Dependent Loans Individually Evaluated for Credit Loss	The following table provides summary information regarding collateral dependent loans individually evaluated for credit loss at the dates indicated: (In thousands) 2024 2023 Collateral dependent loans individually evaluated for credit loss with an allowance $ 94,965 $ 72,179 Collateral dependent loans individually evaluated for credit loss without an allowance 22,015 15,989 Total individually evaluated collateral dependent loans $ 116,980 $ 88,168 Allowance for credit losses related to loans evaluated individually $ 37,538 $ 24,000 Allowance for credit losses related to loans evaluated collectively 96,863 96,865 Total allowance for credit losses - loans $ 134,401 $ 120,865
Activity in Allowance for Credit Losses by Respective Loan Portfolio Segment	The following tables provide information on the activity in the allowance for credit losses by the respective loan portfolio segment for the years ended December 31: 2024 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Balance as of December 31, 2023 $ 61,439 $ 7,536 $ 8,287 $ 31,932 $ 8,890 $ 729 $ 2,052 $ 120,865 Provision/ (credit) for credit losses - loans (3,333) (2,255) 20,167 1,952 294 (526) 956 17,255 Charge-offs (401) — (135) (3,481) (50) — (541) (4,608) Recoveries 12 111 353 53 59 — 301 889 Net (charge-offs)/ recoveries (389) 111 218 (3,428) 9 — (240) (3,719) Balance at end of period $ 57,717 $ 5,392 $ 28,672 $ 30,456 $ 9,193 $ 203 $ 2,768 $ 134,401 Total loans $ 4,779,593 $ 1,748,772 $ 1,327,292 $ 1,653,135 $ 1,537,589 $ 49,028 $ 442,557 $ 11,537,966 Allowance for credit losses on loans to total loans ratio 1.21 % 0.31 % 2.16 % 1.84 % 0.60 % 0.41 % 0.63 % 1.16 % Average loans $ 4,929,894 $ 1,740,376 $ 1,180,100 $ 1,561,616 $ 1,518,170 $ 77,276 $ 422,260 $ 11,429,692 Net charge-offs/ (recoveries) to average loans 0.01 % (0.01) % (0.02) % 0.22 % — % — % 0.06 % 0.03 % Balance of loans individually evaluated for credit loss $ 71,068 $ 7,008 $ 31,314 $ 7,590 $ — $ — $ — $ 116,980 Allowance related to loans evaluated individually $ 18,313 $ 78 $ 13,706 $ 5,441 $ — $ — $ — $ 37,538 Individual allowance to loans evaluated individually ratio 25.77 % 1.11 % 43.77 % 71.69 % — % — % — % 32.09 % Contractual balance of individually evaluated loans $ 72,925 $ 8,182 $ 31,327 $ 8,764 $ — $ — $ — $ 121,198 Balance of loans collectively evaluated for credit loss $ 4,708,525 $ 1,741,764 $ 1,295,978 $ 1,645,545 $ 1,537,589 $ 49,028 $ 442,557 $ 11,420,986 Allowance related to loans evaluated collectively $ 39,404 $ 5,314 $ 14,966 $ 25,015 $ 9,193 $ 203 $ 2,768 $ 96,863 Collective allowance to loans evaluated collectively ratio 0.84 % 0.31 % 1.15 % 1.52 % 0.60 % 0.41 % 0.63 % 0.85 % 2023 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Balance as of December 31, 2022 $ 64,737 $ 11,646 $ 18,646 $ 28,027 $ 9,424 $ 1,337 $ 2,425 $ 136,242 Provision/ (credit) for credit losses - loans (3,323) (4,215) (10,359) 4,051 (488) (608) 1,048 (13,894) Charge-offs — — — (449) (160) — (2,005) (2,614) Recoveries 25 105 — 303 114 — 584 1,131 Net (charge-offs)/ recoveries 25 105 — (146) (46) — (1,421) (1,483) Balance at end of period $ 61,439 $ 7,536 $ 8,287 $ 31,932 $ 8,890 $ 729 $ 2,052 $ 120,865 Total loans $ 5,104,425 $ 1,755,235 $ 988,967 $ 1,504,880 $ 1,474,521 $ 121,419 $ 417,542 $ 11,366,989 Allowance for credit losses on loans to total loans ratio 1.20 % 0.43 % 0.84 % 2.12 % 0.60 % 0.60 % 0.49 % 1.06 % Average loans $ 5,133,279 $ 1,766,839 $ 1,023,669 $ 1,440,382 $ 1,380,496 $ 187,599 $ 421,963 $ 11,354,227 Net charge-offs/ (recoveries) to average loans — % (0.01) % — % 0.01 % — % — % 0.34 % 0.01 % Balance of loans individually evaluated for credit loss $ 72,218 $ 4,640 $ 1,259 $ 10,051 $ — $ — $ — $ 88,168 Allowance related to loans evaluated individually $ 15,353 $ 1,159 $ 102 $ 7,386 $ — $ — $ — $ 24,000 Individual allowance to loans evaluated individually ratio 21.26 % 24.98 % 8.10 % 73.49 % — % — % — % 27.22 % Contractual balance of individually evaluated loans $ 72,712 $ 5,623 $ 1,270 $ 11,500 $ — $ — $ — $ 91,105 Balance of loans collectively evaluated for credit loss $ 5,032,207 $ 1,750,595 $ 987,708 $ 1,494,829 $ 1,474,521 $ 121,419 $ 417,542 $ 11,278,821 Allowance related to loans evaluated collectively $ 46,086 $ 6,377 $ 8,185 $ 24,546 $ 8,890 $ 729 $ 2,052 $ 96,865 Collective allowance to loans evaluated collectively ratio 0.92 % 0.36 % 0.83 % 1.64 % 0.60 % 0.60 % 0.49 % 0.86 %
Schedule of Nonaccrual Related Information	The following table presents average principal balance of total non-accrual loans and contractual interest due on non-accrual loans for the periods indicated below: 2024 Commercial Real Estate Residential Real Estate Total (In thousands) Commercial Commercial Commercial Commercial Residential Mortgage Residential Construction Consumer Average non-accrual loans for the period $ 56,682 $ 7,611 $ 16,453 $ 8,063 $ 11,749 $ 536 $ 4,092 $ 105,186 Contractual interest income due on non-accrual loans during the period $ 3,629 $ 466 $ 800 $ 553 $ 583 $ 27 $ 375 $ 6,433 2023 Commercial Real Estate Residential Real Estate Total (In thousands) Commercial Commercial Commercial Commercial Residential Mortgage Residential Construction Consumer Average non-accrual loans for the period $ 28,650 $ 4,795 $ 812 $ 9,640 $ 10,547 $ 223 $ 4,146 $ 58,813 Contractual interest income due on non-accrual loans during the period $ 760 $ 298 $ 41 $ 716 $ 432 $ 6 $ 299 $ 2,552
Schedule of Information on the Credit Quality of Loan Portfolio	The following tables provide information on the credit quality of the loan portfolio by segment at December 31 for the years indicated: 2024 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Analysis of non-accrual loan activity: Balance at beginning of period $ 58,658 $ 4,640 $ 1,259 $ 10,051 $ 12,332 $ 443 $ 4,102 $ 91,485 Loans placed on non-accrual 6,706 5,730 31,694 3,909 1,634 — 1,368 51,041 Non-accrual balances transferred to OREO (3,265) — — — — — — (3,265) Non-accrual balances charged-off (402) — (134) (3,478) — — (20) (4,034) Net payments or draws (3,626) (1,637) (1,505) (2,892) (2,447) 78 (1,575) (13,604) Non-accrual loans brought current — (1,725) — — (580) — (178) (2,483) Balance at end of period $ 58,071 $ 7,008 $ 31,314 $ 7,590 $ 10,939 $ 521 $ 3,697 $ 119,140 2023 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Analysis of non-accrual loan activity: Balance at beginning of period $ 9,943 $ 5,019 $ — $ 7,322 $ 7,439 $ — $ 5,059 $ 34,782 Loans placed on non-accrual 62,725 — 2,111 6,271 7,871 449 2,450 81,877 Non-accrual balances transferred to OREO — — — — — — — — Non-accrual balances charged-off — — — (441) (160) — (1,757) (2,358) Net payments or draws (14,010) (379) (852) (2,588) (1,667) (6) (1,528) (21,030) Non-accrual loans brought current — — — (513) (1,151) — (122) (1,786) Balance at end of period $ 58,658 $ 4,640 $ 1,259 $ 10,051 $ 12,332 $ 443 $ 4,102 $ 91,485
Credit Quality of Loan Portfolio by Segment	2024 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Performing loans: Current $ 4,696,667 $ 1,740,403 $ 1,276,591 $ 1,643,900 $ 1,509,013 $ 48,507 $ 434,165 $ 11,349,246 30-59 days 7,753 1,361 19,387 1,275 15,071 — 4,241 49,088 60-89 days 17,102 — — 370 2,334 — 454 20,260 Total performing loans 4,721,522 1,741,764 1,295,978 1,645,545 1,526,418 48,507 438,860 11,418,594 Non-performing loans: Non-accrual loans 58,071 7,008 31,314 7,590 10,939 521 3,697 119,140 Loans greater than 90 days past due — — — — 232 — — 232 Restructured loans — — — — — — — — Total non-performing loans 58,071 7,008 31,314 7,590 11,171 521 3,697 119,372 Total loans $ 4,779,593 $ 1,748,772 $ 1,327,292 $ 1,653,135 $ 1,537,589 $ 49,028 $ 442,557 $ 11,537,966 2023 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Performing loans: Current $ 5,044,647 $ 1,748,449 $ 986,859 $ 1,494,426 $ 1,445,785 $ 118,976 $ 409,607 $ 11,248,749 30-59 days 1,120 2,056 849 383 14,026 2,000 3,298 23,732 60-89 days — 90 — — 2,036 — 535 2,661 Total performing loans 5,045,767 1,750,595 987,708 1,494,809 1,461,847 120,976 413,440 11,275,142 Non-performing loans: Non-accrual loans 58,658 4,640 1,259 10,051 12,332 443 4,102 91,485 Loans greater than 90 days past due — — — 20 342 — — 362 Restructured loans — — — — — — — — Total non-performing loans 58,658 4,640 1,259 10,071 12,674 443 4,102 91,847 Total loans $ 5,104,425 $ 1,755,235 $ 988,967 $ 1,504,880 $ 1,474,521 $ 121,419 $ 417,542 $ 11,366,989
Information about Credit Quality Indicators by the Year of Origination	The following tables provide information about credit quality indicators by the year of origination: 2024 Term Loans by Origination Year Revolving (In thousands) 2024 2023 2022 2021 2020 Prior Loans Total Commercial Investor R/E: Pass $ 337,754 $ 303,462 $ 1,306,076 $ 1,064,827 $ 521,505 $ 1,053,674 $ 32,739 $ 4,620,037 Special Mention — — 4,100 — 18,888 40,437 — 63,425 Substandard — — — 32,768 5,606 57,757 — 96,131 Doubtful — — — — — — — — Total $ 337,754 $ 303,462 $ 1,310,176 $ 1,097,595 $ 545,999 $ 1,151,868 $ 32,739 $ 4,779,593 Current period gross charge-offs $ — $ — $ — $ 357 $ — $ 44 $ — $ 401 Commercial Owner-Occupied R/E: Pass $ 183,357 $ 109,915 $ 346,029 $ 286,260 $ 212,034 $ 542,637 $ 6,277 $ 1,686,509 Special Mention — 4,764 3,632 14,731 4,043 11,027 — 38,197 Substandard — — 900 2,810 972 19,384 — 24,066 Doubtful — — — — — — — — Total $ 183,357 $ 114,679 $ 350,561 $ 303,801 $ 217,049 $ 573,048 $ 6,277 $ 1,748,772 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial AD&C: Pass $ 423,143 $ 243,462 $ 301,254 $ 73,323 $ — $ — $ 207,880 $ 1,249,062 Special Mention — 262 — 4,213 — — — 4,475 Substandard — — 27,994 42,832 1,571 1,358 — 73,755 Doubtful — — — — — — — — Total $ 423,143 $ 243,724 $ 329,248 $ 120,368 $ 1,571 $ 1,358 $ 207,880 $ 1,327,292 Current period gross charge-offs $ — $ — $ 135 $ — $ — $ — $ — $ 135 Commercial Business: Pass $ 302,334 $ 142,011 $ 291,167 $ 161,300 $ 71,650 $ 139,311 $ 509,158 $ 1,616,931 Special Mention 143 605 5,689 1,588 48 3,913 10,468 22,454 Substandard 165 858 1,082 1,616 637 4,768 4,624 13,750 Doubtful — — — — — — — — Total $ 302,642 $ 143,474 $ 297,938 $ 164,504 $ 72,335 $ 147,992 $ 524,250 $ 1,653,135 Current period gross charge-offs $ — $ — $ 1,482 $ 470 $ — $ 1,479 $ 50 $ 3,481 Residential Mortgage: Beacon score: 660-850 $ 43,196 $ 48,842 $ 483,634 $ 385,226 $ 151,114 $ 252,024 $ — $ 1,364,036 600-659 20 1,939 18,507 9,450 2,480 20,017 — 52,413 540-599 — 1,193 1,305 4,011 2,601 10,946 — 20,056 less than 540 5,493 1,589 31,046 21,509 8,382 33,065 — 101,084 Total $ 48,709 $ 53,563 $ 534,492 $ 420,196 $ 164,577 $ 316,052 $ — $ 1,537,589 Current period gross charge-offs $ — $ — $ — $ 50 $ — $ — $ — $ 50 Residential Construction: Beacon score: 660-850 $ 16,923 $ 7,326 $ 11,695 $ 6,723 $ — $ 150 $ 410 $ 43,227 600-659 — — — — — 1,308 — 1,308 540-599 521 — 500 — 1,500 — — 2,521 less than 540 13 1,459 62 438 — — — 1,972 Total $ 17,457 $ 8,785 $ 12,257 $ 7,161 $ 1,500 $ 1,458 $ 410 $ 49,028 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Beacon score: 660-850 $ 14,476 $ 6,973 $ 3,273 $ 1,218 $ 637 $ 22,453 $ 329,297 $ 378,327 600-659 825 1,730 282 40 78 3,166 13,113 19,234 540-599 155 166 430 91 30 2,021 4,571 7,464 less than 540 1,734 1,578 1,284 642 197 3,531 28,566 37,532 Total $ 17,190 $ 10,447 $ 5,269 $ 1,991 $ 942 $ 31,171 $ 375,547 $ 442,557 Current period gross charge-offs $ — $ 6 $ — $ 25 $ — $ 17 $ 493 $ 541 Total loans $ 1,330,252 $ 878,134 $ 2,839,941 $ 2,115,616 $ 1,003,973 $ 2,222,947 $ 1,147,103 $ 11,537,966 2023 Term Loans by Origination Year Revolving (In thousands) 2023 2022 2021 2020 2019 Prior Loans Total Commercial Investor R/E: Pass $ 405,740 $ 1,395,973 $ 1,195,708 $ 634,361 $ 511,146 $ 848,958 $ 23,653 $ 5,015,539 Special Mention 9,250 — 316 — — 1,978 — $ 11,544 Substandard 30,792 465 30,927 — — 14,410 748 $ 77,342 Doubtful — — — — — — — $ — Total $ 445,782 $ 1,396,438 $ 1,226,951 $ 634,361 $ 511,146 $ 865,346 $ 24,401 $ 5,104,425 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial Owner-Occupied R/E: Pass $ 136,072 $ 361,247 $ 318,269 $ 238,761 $ 235,145 $ 428,846 $ 5,621 $ 1,723,961 Special Mention 406 70 2,240 875 2,267 8,616 — $ 14,474 Substandard 2,562 3,634 801 343 5,866 3,594 — $ 16,800 Doubtful — — — — — — — $ — Total $ 139,040 $ 364,951 $ 321,310 $ 239,979 $ 243,278 $ 441,056 $ 5,621 $ 1,755,235 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial AD&C: Pass $ 334,918 $ 288,732 $ 178,889 $ 28,954 $ — $ — $ 155,889 $ 987,382 Special Mention — — — — — — — $ — Substandard 1,016 569 — — — — — $ 1,585 Doubtful — — — — — — — $ — Total $ 335,934 $ 289,301 $ 178,889 $ 28,954 $ — $ — $ 155,889 $ 988,967 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial Business: Pass $ 247,081 $ 344,034 $ 202,020 $ 92,198 $ 62,413 $ 118,061 $ 410,856 $ 1,476,663 Special Mention 532 45 180 1,037 1,040 294 3,635 $ 6,763 Substandard 6,725 2,073 2,281 917 1,925 1,571 5,962 $ 21,454 Doubtful — — — — — — — $ — Total $ 254,338 $ 346,152 $ 204,481 $ 94,152 $ 65,378 $ 119,926 $ 420,453 $ 1,504,880 Current period gross charge-offs $ — $ 9 $ 324 $ — $ — $ 116 $ — $ 449 Residential Mortgage: Beacon score: 660-850 $ 31,853 $ 476,631 $ 394,414 $ 166,387 $ 41,473 $ 266,927 $ — $ 1,377,685 600-659 781 7,022 18,284 2,009 1,882 24,040 — $ 54,018 540-599 — 1,545 2,698 2,371 1,891 9,377 — $ 17,882 less than 540 229 2,042 3,351 2,424 2,533 14,357 — $ 24,936 Total $ 32,863 $ 487,240 $ 418,747 $ 173,191 $ 47,779 $ 314,701 $ — $ 1,474,521 Current period gross charge-offs $ — $ — $ 43 $ — $ 10 $ 107 $ — $ 160 Residential Construction: Beacon score: 660-850 $ 21,975 $ 68,273 $ 21,897 $ 2,478 $ 150 $ — $ — $ 114,773 600-659 1,641 500 1,319 1,500 — 1,243 — $ 6,203 540-599 443 — — — — — — $ 443 less than 540 — — — — — — — $ — Total $ 24,059 $ 68,773 $ 23,216 $ 3,978 $ 150 $ 1,243 $ — $ 121,419 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Beacon score: 660-850 $ 11,452 $ 4,960 $ 1,823 $ 519 $ 1,662 $ 24,543 $ 333,382 $ 378,341 600-659 1,209 192 237 425 209 3,954 12,668 $ 18,894 540-599 24 374 87 47 500 2,868 5,920 $ 9,820 less than 540 384 215 132 50 288 2,803 6,615 $ 10,487 Total $ 13,069 $ 5,741 $ 2,279 $ 1,041 $ 2,659 $ 34,168 $ 358,585 $ 417,542 Current period gross charge-offs $ — $ 20 $ 28 $ — $ 15 $ 1,735 $ 207 $ 2,005 Total loans $ 1,245,085 $ 2,958,596 $ 2,375,873 $ 1,175,656 $ 870,390 $ 1,776,440 $ 964,949 $ 11,366,989
Restructured Loans for Specific Segments of Loan Portfolio	The following table presents the amount of the loans modified during the periods indicated below to borrowers experiencing financial difficulty, disaggregated by the loan portfolio segment, type of modification granted and the financial effect of loans modified: For the Year Ended December 31, 2024 Interest rate reduction Term extension Rate reduction & Term extension Total Interest rate reduction Term extension (in thousands) Amount Amount Amount Amount % of total loan segment Weighted Average Weighted Average Commercial Investor R/E $ 485 $ 61,981 $ 8,245 $ 70,711 1.5 % 0.9 % 8 Months Commercial Owner-Occupied R/E 4,834 8,848 — 13,682 0.8 % 1.1 % 20 Months Commercial AD&C — 23,840 — 23,840 1.8 % — % 6 Months Commercial Business 16 9,726 369 10,111 0.6 % 2.1 % 16 Months All Other loans — 521 — 521 — % — % 18 Months Total $ 5,335 $ 104,916 $ 8,614 $ 118,865 1.0 % For the Year Ended December 31, 2023 Interest rate reduction Term extension Rate reduction & Term extension Total Interest rate reduction Term extension (in thousands) Amount Amount Amount Amount % of total loan segment Weighted Average Weighted Average Commercial Investor R/E $ 28,970 $ 9,778 $ 13,560 $ 52,308 1.0 % 1.5 % 15 Months Commercial Owner-Occupied R/E — 2,808 — 2,808 0.2 % — % 14 Months Commercial AD&C — 1,016 — 1,016 0.1 % — % 9 Months Commercial Business 233 5,496 — 5,729 0.4 % 0.3 % 14 Months All Other loans — — — — — % — % — Total $ 29,203 $ 19,098 $ 13,560 $ 61,861 0.5 % The following table presents the performance of loans that have been modified during the periods indicated: For the Year Ended December 31, 2024 (in thousands) Current 30-89 days past due 90+ days past due Total Commercial Investor R/E $ 20,689 $ 47,617 $ 2,405 $ 70,711 Commercial Owner-Occupied R/E 13,225 — 457 13,682 Commercial AD&C 23,718 — 122 23,840 Commercial Business 9,239 797 75 10,111 All Other loans 521 — — 521 Total $ 67,392 $ 48,414 $ 3,059 $ 118,865 For the Year Ended December 31, 2023 (in thousands) Current 30-89 days past due 90+ days past due Total Commercial Investor R/E $ 51,560 $ — $ 748 $ 52,308 Commercial Owner-Occupied R/E 2,808 — — 2,808 Commercial AD&C 327 — 689 1,016 Commercial Business 5,408 88 233 5,729 All Other loans — — — — Total $ 60,103 $ 88 $ 1,670 $ 61,861

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Components of premises and equipment	Presented in the following table are the components of premises and equipment at December 31: (In thousands) 2024 2023 Land $ 9,771 $ 9,771 Buildings and leasehold improvements 70,888 78,210 Equipment 50,007 58,467 Total premises and equipment 130,666 146,448 Less: accumulated depreciation and amortization (74,668) (86,958) Net premises and equipment $ 55,998 $ 59,490

LEASES (Tables)

LEASES (Tables)	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Schedule of Lease Cost	The following table provides information regarding the Company's leases as of the dates indicated: Year Ended 2024 2023 Components of lease expense: Operating lease cost (resulting from lease payments) $ 10,225 $ 10,674 Supplemental cash flow information related to leases: Operating cash flows from operating leases $ 11,120 $ 11,470 ROU assets obtained in the exchange for lease liabilities due to: New leases $ 1,402 $ 703 Acquisitions $ — $ — As of December 31, 2024 December 31, 2023 Supplemental balance sheet information related to leases: Operating lease ROU assets $ 37,706 $ 40,362 Operating lease liabilities $ 44,503 $ 48,058 Other information related to leases: Weighted average remaining lease term of operating leases 4.9 years 5.6 years Weighted average discount rate of operating leases 3.83 % 3.61 %
Schedule of Maturities of Operating Lease Liabilities	As of December 31, 2024, the maturities of the Company’s operating lease liabilities were as follows: (In thousands) Amount Maturity: One year $ 11,091 Two years 10,649 Three years 9,232 Four years 7,749 Five years 5,260 Thereafter 4,989 Total undiscounted lease payments 48,970 Less: Present value discount (4,467) Lease Liability $ 44,503

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Net Carrying Amount of Goodwill by Segment	The following table presents the net carrying amount of goodwill by segment for the periods indicated: (In thousands) Community Insurance Investment Total Balance December 31, 2022 $ 331,689 $ — $ 31,747 $ 363,436 No Activity — — — — Balance December 31, 2023 331,689 — 31,747 363,436 Goodwill Impairment Loss (54,391) — — (54,391) Balance December 31, 2024 $ 277,298 $ — $ 31,747 $ 309,045
Gross Carrying Amounts and Accumulated Amortization of Intangible Assets and Goodwill	The gross carrying amounts and accumulated amortization of intangible assets and goodwill are presented at December 31 in the following table: 2024 Weighted 2023 Weighted Gross Net Average Gross Net Average Carrying Accumulated Carrying Remaining Carrying Accumulated Carrying Remaining (Dollars in thousands) Amount Amortization Amount Life Amount Amortization Amount Life Amortizing intangible assets: Core deposit intangibles $ 29,038 $ (23,084) $ 5,954 3.9 years $ 29,038 $ (20,181) $ 8,857 5.5 years Software intangibles 21,954 (5,019) 16,935 4.0 years 10,422 (183) 10,239 4.8 years Other identifiable intangibles 13,906 (9,336) 4,570 6.9 years 13,906 (7,949) 5,957 7.7 years Total amortizing intangible assets $ 64,898 $ (37,439) $ 27,459 $ 53,366 $ (28,313) $ 25,053 Non-amortizing intangible assets: Intangible projects in process (1) 3,289 — 3,289 $ 3,248 $ — $ 3,248 Total intangible assets $ 68,187 $ (37,439) $ 30,748 $ 56,614 $ (28,313) $ 28,301 Goodwill $ 309,045 $ 309,045 $ 363,436 $ 363,436 (1) Capitalized costs on internal-use licensed software-related projects that are currently in the development/implementation phase.
Estimated Future Amortization Expense for Amortizing Intangibles	The following table presents the estimated future amortization expense for amortizing intangible assets within the years ending December 31: (In thousands) Amount 2025 $ 8,310 2026 6,899 2027 5,660 2028 4,342 2029 1,749 Thereafter 499 Total amortizing intangible assets $ 27,459

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
Composition of Deposits	The following table presents the composition of deposits at December 31 for the years indicated: (In thousands) 2024 2023 Noninterest-bearing deposits $ 2,804,930 $ 2,914,161 Interest-bearing deposits: Demand 1,579,463 1,463,679 Money market savings 3,016,096 2,628,918 Regular savings 1,764,598 1,275,225 Time deposits of less than $250,000 1,840,274 2,068,259 Time deposits of $250,000 or more 740,304 646,296 Total interest-bearing deposits 8,940,735 8,082,377 Total deposits $ 11,745,665 $ 10,996,538
Maturity Schedule for Time Deposits	The following table presents the maturity schedule for time deposits maturing within years ending December 31: (In thousands) Amount 2025 $ 2,186,012 2026 322,656 2027 37,779 2028 27,553 2029 6,578 Thereafter — Total time deposits $ 2,580,578
Months to Maturities of Time Deposits	The Company's time deposits of less than $250,000 represented 15.7% of total deposits and time deposits of $250,000 or more represented 6.3% of total deposits at December 31, 2024 and are presented by maturity in the following table: Months to Maturity (In thousands) 3 or Less Over 3 to 6 Over 6 to 12 Over 12 Total Time deposits - less than $250,000 $ 707,380 $ 346,201 $ 464,896 $ 321,797 $ 1,840,274 Time deposits - $250,000 or more $ 273,372 $ 302,695 $ 91,468 $ 72,769 $ 740,304

BORROWINGS (Tables)

BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Schedule of Subordinated Borrowing	The following table provides information on subordinated debentures for the period indicated: (In thousands) 2024 2023 Fixed to floating rate sub debt, 3.875% $ 200,000 $ 200,000 Fixed to floating rate sub debt, 7.41% 175,000 175,000 Total subordinated debt 375,000 375,000 Less: Debt issuance costs (3,600) (4,197) Long-term borrowings $ 371,400 $ 370,803
Retail Repurchase Agreements and Federal Funds Purchased	Information relating to retail repurchase agreements and federal funds purchased is presented in the following table at and for the years ending December 31: 2024 2023 (Dollars in thousands) Amount Rate Amount Rate End of period: Retail repurchase agreements $ 68,911 1.92 % $ 75,032 2.00 % Federal funds purchased — — — — Federal Reserve Bank borrowings — — 300,000 4.92 Average for the year: Retail repurchase agreements $ 65,913 2.08 % $ 63,259 1.45 % Federal funds purchased 16,208 5.53 69,672 5.15 Federal Reserve Bank borrowings 59,016 5.07 201,370 4.94 Maximum month-end balance: Retail repurchase agreements $ 75,101 $ 78,239 Federal funds purchased 130,000 330,000 Federal Reserve Bank borrowings 300,000 300,000
Advances from the FHLB and the Respective Maturity Schedule	Advances from the FHLB and the respective maturity schedule at December 31 for the years indicated consisted of the following: 2024 2023 (Dollars in thousands) Amounts Weighted Average Amounts Weighted Average Maturity: One year $ 150,000 4.16 % $ 250,000 4.60 % Two years 100,000 4.03 150,000 4.16 Three years — — 100,000 4.03 Four years — — 50,000 4.08 Five years — — — — After five years — — — — Total advances from FHLB $ 250,000 4.11 $ 550,000 4.33

SHARE BASED COMPENSATION (Table

SHARE BASED COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
Summary of Activity for Company's Restricted Stock	A summary of the activity for the Company’s restricted stock for the period indicated is presented in the following table: (In dollars, except share data): Number Weighted Average Grant-Date Fair Value Restricted stock at January 1, 2024 458,929 $ 32.90 Granted 512,184 $ 20.83 Vested (281,443) $ 30.30 Forfeited/ cancelled (125,811) $ 24.63 Restricted stock at December 31, 2024 563,859 $ 25.37
Summary of Share Option Activity	A summary of share option activity for the period indicated is reflected in the following table: Number Weighted Average Exercise Weighted Average Contractual Remaining Life (Years) Aggregate Intrinsic Balance at January 1, 2024 80,195 $ 19.07 1.2 years $ 621 Granted — $ — Exercised (11,950) $ 10.96 $ 186 Forfeited — $ — Expired (7,411) $ 41.75 Balance at December 31, 2024 60,834 $ 17.89 0.5 years $ 1,251 Exercisable at December 31, 2024 60,834 $ 17.89 0.5 years $ 1,251

PENSION, PROFIT SHARING, AND _2

PENSION, PROFIT SHARING, AND OTHER EMPLOYEE BENEFIT PLANS (Tables)	12 Months Ended
	Dec. 31, 2024
Retirement Benefits [Abstract]
The Plan's Funded Status	The Pension Plan’s funded status at December 31 is as follows: (In thousands) 2024 2023 Reconciliation of Projected Benefit Obligation: Projected obligation at January 1 $ — $ 35,539 Interest cost — 1,021 Actuarial (gain)/ loss — (1,726) Benefit payments — (1,102) Increase/ (decrease) related to change in assumptions — — Annuity Purchase — (33,732) Projected obligation at December 31 — — Reconciliation of Fair Value of Plan Assets: Fair value of plan assets at January 1 — 32,287 Actual return on plan assets — 1,197 Employer contributions — 1,350 Benefit payments — (1,102) Annuity Purchase — (33,732) Fair value of plan assets at December 31 $ — $ — Funded status at December 31 $ — $ — Accumulated benefit obligation at December 31 $ — $ — Unrecognized net actuarial loss $ — $ — Net periodic pension cost not yet recognized $ — $ —
Weighted-Average Assumptions Used To Determine Benefit Obligations	Weighted average assumptions used to determine benefit obligations at December 31 are presented in the following table: 2024 2023 2022 Discount rate N/A N/A 5.10% Rate of compensation increase N/A N/A N/A
Net Periodic Benefit Cost	The components of net periodic benefit cost for the years ended December 31 are presented in the following table: (In thousands) 2024 2023 2022 Interest cost on projected benefit obligation $ — $ 1,021 $ 1,301 Expected return on plan assets — (870) (1,410) Recognized net actuarial loss — 526 783 Settlement charge — 8,157 — Other — 113 — Net periodic benefit cost $ — $ 8,947 $ 674
Weighted-Average Assumptions Used To Determine Net Periodic Benefit Cost	Weighted average assumptions used to determine net periodic benefit cost for years ended December 31 are presented in the following table: 2024 2023 2022 Discount rate N/A 5.10% 2.80% Expected return on plan assets N/A 5.25% 3.75% Rate of compensation increase N/A N/A N/A

OTHER NON-INTEREST INCOME AND_2

OTHER NON-INTEREST INCOME AND OTHER NON-INTEREST EXPENSE (Tables)	12 Months Ended
	Dec. 31, 2024
Other Income and Expenses [Abstract]
Selected Components of Other Non-Interest Income and Other Non-Interest Expense	Selected components of other non-interest income and other non-interest expense for the years ended December 31 are presented in the following table: (In thousands) 2024 2023 2022 Letter of credit fees $ 965 $ 676 $ 721 Extension fees 2,656 1,875 955 Swap fee income 443 305 524 Prepayment penalty fees 968 914 1,807 Other income 5,588 4,713 4,687 Total other non-interest income $ 10,620 $ 8,483 $ 8,694 (In thousands) 2024 2023 2022 Postage and delivery $ 1,920 $ 2,009 $ 2,040 Communications 2,421 2,348 2,332 Mortgage processing expense, net 896 1,070 1,048 Online services 3,794 3,653 2,763 Franchise taxes 2,123 2,285 1,974 Insurance 2,069 2,067 1,921 Card transaction expense 1,325 1,222 1,196 Office supplies 853 1,080 1,013 Contingent payment expense — 36 1,247 Other expenses 14,810 15,684 12,982 Total other non-interest expense $ 30,211 $ 31,454 $ 28,516

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Components of Income Tax Expense	The following table provides the components of income tax expense for the years ended December 31: (In thousands) 2024 2023 2022 Current income taxes: Federal $ 21,883 $ 27,178 $ 48,920 State 7,569 8,223 16,630 Total current 29,452 35,401 65,550 Deferred income taxes: Federal (103) 4,357 (7,214) State (323) 1,533 (2,277) Total deferred (426) 5,890 (9,491) Total income tax expense $ 29,026 $ 41,291 $ 56,059
Deferred Tax Assets and Liabilities	Deferred tax assets and liabilities, shown as the sum of the appropriate tax effect for each significant type of temporary difference, are presented in the following table at December 31 for the years indicated: (In thousands) 2024 2023 Deferred tax assets: Allowance for credit losses $ 34,241 $ 30,663 Lease liability 11,412 12,262 Employee benefits 6,686 6,115 Deferred loan fees and costs 1,500 2,222 Equity based compensation 1,322 2,401 Unrealized losses on investments available-for-sale 31,673 33,087 Loan and deposit premium/discount — 139 Reserve for recourse loans and unfunded commitments 424 1,225 Net operating loss carryforward 5,431 4,195 Other 81 157 Gross deferred tax assets 92,770 92,466 Valuation allowance (5,431) (4,195) Net deferred tax asset 87,339 88,271 Deferred tax liabilities: Right of use asset (9,663) (10,292) Depreciation (5,565) (4,559) Intangible assets (1,768) (2,128) Bond accretion (626) (542) Fair value acquisition adjustments (583) (609) Loan and deposit premium/discount (20) — Other (446) (486) Gross deferred tax liabilities (18,671) (18,616) Net deferred tax asset $ 68,668 $ 69,655
Reconcilements Between Statutory Federal Income Tax Rate and Effective Tax Rate	The reconcilements between the statutory federal income tax rate and the effective rate for the years ended December 31 are presented in the following table: (Dollars in thousands) 2024 2023 2022 Amount Percentage of Amount Percentage of Amount Percentage of Income tax expense at federal statutory rate $ 10,282 21.0 % $ 34,469 21.0 % $ 46,696 21.0 % Increase/ (decrease) resulting from: Tax exempt income, net (159) (0.3) (919) (0.6) (1,909) (0.9) Bank-owned life insurance (1,472) (3.0) (802) (0.5) (662) (0.3) State income taxes, net of federal income tax benefits 5,724 11.7 7,707 4.7 11,339 5.1 Goodwill impairment 11,422 23.3 — — — — Nondeductible merger and acquisition expense 756 1.5 — — — — Nondeductible executive compensation 1,076 2.2 112 0.1 531 0.2 Other, net 1,397 2.9 724 0.5 64 0.1 Total income tax expense and rate $ 29,026 59.3 % $ 41,291 25.2 % $ 56,059 25.2 %

NET INCOME PER COMMON SHARE (Ta

NET INCOME PER COMMON SHARE (Tables)	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Calculation of Net Income Per Common Share	The calculation of net income per common share for the years ended December 31 is presented in the following table: (Dollars and amounts in thousands, except per share data) 2024 2023 2022 Net income $ 19,935 $ 122,844 $ 166,299 Less: Distributed and undistributed earnings allocated to participating securities (33) (223) (681) Net income attributable to common shareholders $ 19,902 $ 122,621 $ 165,618 Total weighted average outstanding shares 45,094 44,907 45,049 Less: Weighted average participating securities (26) (81) (186) Basic weighted average common shares 45,068 44,825 44,863 Dilutive weighted average common stock equivalents 159 122 176 Diluted weighted average common shares 45,227 44,947 45,039 Basic net income per common share $ 0.44 $ 2.74 $ 3.69 Diluted net income per common share $ 0.44 $ 2.73 $ 3.68 Anti-dilutive shares 31 22 9

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME/ (LOSS) (Tables)	12 Months Ended
	Dec. 31, 2024
Equity [Abstract]
Net Accumulated Other Comprehensive Loss	The following table presents the activity in net accumulated other comprehensive income/ (loss) for the periods indicated: (In thousands) Unrealized Gains/ Defined Benefit Unrealized Losses Total Balance at January 1, 2022 $ (336) $ (8,203) $ — $ (8,539) Period change, net of tax (113,177) 201 (10,436) (123,412) Balance at December 31, 2022 (113,513) (8,002) (10,436) (131,951) Period change, net of tax 25,344 8,002 1,274 34,620 Balance at December 31, 2023 (88,169) — (9,162) (97,331) Period change, net of tax 3,554 — 1,130 4,684 Balance at December 31, 2024 $ (84,615) $ — $ (8,032) $ (92,647)
Reclassification Adjustments Out of Accumulated Other Comprehensive Income	The following table provides the information on the reclassification adjustments out of accumulated other comprehensive income/ (loss) for the periods indicated: Year Ended December 31, (In thousands) 2024 2023 2022 Unrealized gains/ (losses) on investments available-for-sale: Affected line item in the Consolidated Statements of Income: Investment securities gains/ (losses) $ — $ — $ (345) Income before taxes — — (345) Tax (expense)/ benefit — — 88 Net income/ (loss) $ — $ — $ (257) Amortization of unrealized losses on debt securities transferred from available-for-sale to held-to-maturity: Affected line item in the Consolidated Statements of Income: Interest and dividends on investment securities (1) $ (1,498) $ (1,726) $ (2,245) Income before taxes (1,498) (1,726) (2,245) Tax benefit 368 452 598 Net loss $ (1,130) $ (1,274) $ (1,647) Amortization of defined benefit pension plan items: Affected line item in the Consolidated Statements of Income: Recognized actuarial loss (2) $ — $ (526) $ (783) Settlement charge (2) — (8,157) — Income before taxes — (8,683) (783) Tax benefit — 2,212 199 Net loss $ — $ (6,471) $ (584) (1) Amortization of unrealized losses on held-to-maturity debt securities is fully offset by accretion of a discount on held-to-maturity debt securities with no overall impact on net income and yield. (2) This amount is included in the computation of net periodic benefit cost, see Note 13.

DERIVATIVES (Tables)

DERIVATIVES (Tables)	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments	A summary of the Company’s interest rate swaps at December 31 for the years indicated is included in the following table: 2024 (Dollars in thousands) Notional Amount Estimated Fair Value Years to Maturity Receive Pay Interest rate swap agreements: Pay fixed/receive variable swaps $ 279,449 $ 15,364 4.4 years 6.47 % 4.03 % Pay variable/receive fixed swaps 279,449 (15,364) 4.4 years 4.03 % 6.47 % Total swaps $ 558,898 $ — 4.4 years 5.25 % 5.25 % 2023 (Dollars in thousands) Notional Amount Estimated Fair Value Years to Maturity Receive Pay Interest rate swap agreements: Pay fixed/receive variable swaps $ 247,875 $ 15,867 5.5 years 7.29 % 4.01 % Pay variable/receive fixed swaps 247,875 (15,867) 5.5 years 4.01 % 7.29 % Total swaps $ 495,750 $ — 5.5 years 5.65 % 5.65 %
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value	The table below presents the notional amounts and fair values of the Company’s mortgage banking derivative financial instruments as of December 31, 2024 and December 31, 2023: December 31, 2024 December 31, 2023 (In thousands) Notional Asset Liability Notional Asset Liability Mortgage Banking Derivatives: Interest Rate Lock Commitments 11,237 177 — 16,608 358 — Forward TBA Contracts 14,500 92 — 11,750 — 102 Total Mortgage Banking Derivatives $ 25,737 $ 269 $ — $ 28,358 $ 358 $ 102
Derivative Instruments, Gain (Loss)	The table below presents the changes in the fair value of the Company’s derivative financial instruments reflected within non-interest income on the Consolidated Statements of Income for the years ended December 31, 2024 and 2023, respectively. (In thousands) Location of Gain/(Loss) 2024 2023 2022 Interest rate lock commitments Mortgage banking activities $ (182) $ 49 $ (823) Forward TBA contracts Mortgage banking activities 194 (361) 108 Total $ 12 $ (312) $ (715)

FINANCIAL INSTRUMENTS WITH OF_2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
Summary of Financial Instruments With Off-Balance Sheet Credit Risk	A summary of the financial instruments with off-balance sheet credit risk is as follows at December 31 for the years indicated: (In thousands) 2024 2023 Commercial real estate development and construction $ 336,837 $ 572,540 Residential real estate-development and construction 610,428 713,903 Real estate-residential mortgage 11,237 16,608 Lines of credit, principally home equity and business lines 2,330,736 2,405,150 Standby letters of credit 95,231 71,817 Total commitments to extend credit and available credit lines $ 3,384,469 $ 3,780,018

FAIR VALUE (Tables)

FAIR VALUE (Tables)	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Schedule of Financial Assets and Liabilities Accounted for or Disclosed at Fair Value	The following tables set forth the Company’s financial assets and liabilities at the December 31 for the years indicated that were accounted for or disclosed at fair value. Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement: 2024 (In thousands) Quoted Prices in Significant Other Significant Total Assets Residential mortgage loans held for sale (1) $ — $ 22,757 $ — $ 22,757 Available-for-sale debt securities: U.S. government agencies — 82,314 — 82,314 State and municipal — 234,934 — 234,934 Mortgage-backed and asset-backed — 823,535 — 823,535 Total available-for-sale debt securities — 1,140,783 — 1,140,783 Interest rate swap agreements — 15,361 — 15,361 Total assets $ — $ 1,178,901 $ — $ 1,178,901 Liabilities Interest rate swap agreements $ — $ (15,361) $ — $ (15,361) Total liabilities $ — $ (15,361) $ — $ (15,361) (1) The outstanding principal balance for residential loans held for sale as of December 31, 2024 was $16.6 million. 2023 (In thousands) Quoted Prices in Significant Other Significant Total Assets Residential mortgage loans held for sale (1) $ — $ 10,836 $ — $ 10,836 Investments available-for-sale: U.S. government agencies — 96,927 — 96,927 State and municipal — 268,214 — 268,214 Mortgage-backed and asset-backed — 737,540 — 737,540 Total available-for-sale securities — 1,102,681 — 1,102,681 Interest rate swap agreements — 15,867 — 15,867 Total assets $ — $ 1,129,384 $ — $ 1,129,384 Liabilities Interest rate swap agreements $ — $ (15,867) $ — $ (15,867) Total liabilities $ — $ (15,867) $ — $ (15,867) (1) The outstanding principal balance for residential loans held for sale as of December 31, 2023 was $10.5 million.
Assets Measured at Fair Value on Nonrecurring Basis	The following tables set forth the Company’s financial assets subject to fair value adjustments on a non-recurring basis at December 31 for the year indicated that are valued at the lower of cost or market. Assets are classified in their entirety based on the lowest level of input that is significant to the fair value measurement: 2024 (In thousands) Quoted Prices in Significant Other Significant Total Total Losses Loans (1) $ — $ — $ — $ — $ — Other real estate owned — — $ 3,265 $ 3,265 $ — Total $ — $ — $ 3,265 $ 3,265 $ — (1) Represent outstanding amount of collateral-dependent non-accrual loans that were written down to the fair value of the underlying collateral. Fair values are determined using actual market prices (Level 2), independent third-party valuations and borrower records, discounted as appropriate (Level 3). 2023 (In thousands) Quoted Prices in Significant Other Significant Total Total Losses Loans (1) $ — $ — $ — $ — $ — Other real estate owned — — — — — Total $ — $ — $ — $ — $ — (1) Represent outstanding amount of collateral-dependent non-accrual loans that were written down to the fair value of the underlying collateral. Fair values are determined using actual market prices (Level 2), independent third-party valuations and borrower records, discounted as appropriate (Level 3).
Carrying Amounts And Fair Values of Company's Financial Instruments	The carrying amounts and fair values of the Company’s financial instruments at December 31 for the year indicated are presented in the following table: Fair Value Measurements 2024 Quoted Prices in Significant Other Significant (In thousands) Carrying Estimated Financial assets: Cash and cash equivalents $ 518,963 $ 518,963 $ 518,963 $ — $ — Residential mortgage loans held for sale 22,757 22,757 — 22,757 — SBA loans held for sale 715 763 — 763 — Available-for-sale debt securities 1,140,783 1,140,783 — 1,140,783 — Held-to-maturity debt securities 215,747 177,854 — 177,854 — Other investments 61,714 61,714 — 61,714 — Loans, net of allowance 11,403,565 10,685,700 — — 10,685,700 Interest rate swap agreements 15,361 15,361 — 15,361 — Accrued interest receivable 45,627 45,627 45,627 — — Bank owned life insurance 167,343 167,343 — 167,343 — Financial liabilities: Time deposits $ 2,580,578 $ 2,578,132 $ — $ 2,578,132 $ — Other deposits 9,165,087 9,165,087 9,165,087 — — Securities sold under retail repurchase agreements and federal funds purchased 68,911 68,911 — 68,911 — Advances from FHLB 250,000 248,749 — 248,749 — Subordinated debt 371,400 395,176 — — 395,176 Interest rate swap agreements 15,361 15,361 — 15,361 — Accrued interest payable 16,569 16,569 16,569 — — Fair Value Measurements 2023 Quoted Prices in Significant Other Significant (In thousands) Carrying Estimated Financial assets: Cash and cash equivalents $ 545,898 $ 545,898 $ 545,898 $ — $ — Residential mortgage loans held for sale 10,836 10,836 — 10,836 — Investments available-for-sale 1,102,681 1,102,681 — 1,102,681 — Held-to-maturity debt securities 236,165 200,411 — 200,411 — Other investments 75,607 75,607 — 75,607 — Loans, net of allowance 11,246,124 10,476,059 — — 10,476,059 Interest rate swap agreements 15,867 15,867 — 15,867 — Accrued interest receivable 46,583 46,583 46,583 — — Bank owned life insurance 158,921 158,921 — 158,921 — Financial liabilities: Time deposits $ 2,714,555 $ 2,704,013 $ — $ 2,704,013 $ — Other deposits 8,281,983 8,281,983 8,281,983 — — Securities sold under retail repurchase agreements and federal funds purchased 375,032 375,032 — 375,032 — Advances from FHLB 550,000 547,271 — 547,271 — Subordinated debt 370,803 348,185 — — 348,185 Interest rate swap agreements 15,867 15,867 — 15,867 — Accrued interest payable 30,367 30,367 30,367 — —

PARENT COMPANY FINANCIAL INFO_2

PARENT COMPANY FINANCIAL INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
Statements of Condition	Financial statements for Sandy Spring Bancorp, Inc. (Parent Only) for the periods indicated are presented in the following tables: Statements of Condition December 31, (In thousands) 2024 2023 Assets: Cash and cash equivalents $ 99,664 $ 125,165 Other investments 568 568 Investment in subsidiary 1,828,350 1,831,553 Goodwill 1,292 1,292 Other assets 3,095 3,451 Total assets $ 1,932,969 $ 1,962,029 Liabilities: Subordinated debt $ 371,400 $ 370,803 Accrued expenses and other liabilities 3,557 3,084 Total liabilities 374,957 373,887 Stockholders’ Equity: Common stock 45,140 44,914 Additional paid in capital 748,905 742,243 Retained earnings 856,613 898,316 Accumulated other comprehensive loss (92,647) (97,331) Total stockholders’ equity 1,558,011 1,588,142 Total liabilities and stockholders’ equity $ 1,932,969 $ 1,962,029
Statements of Income	Statements of Income Year Ended December 31, (In thousands) 2024 2023 2022 Income: Cash dividends from subsidiary $ 47,430 $ 113,770 $ 65,410 Other income 5,699 3,204 494 Total income 53,129 116,974 65,904 Expenses: Interest 16,455 15,785 14,055 Other expenses 2,595 2,941 1,750 Total expenses 19,050 18,726 15,805 Income before income taxes and equity in undistributed income of subsidiary 34,079 98,248 50,099 Income tax benefit (2,785) (3,226) (3,175) Income before equity in undistributed income of subsidiary 36,864 101,474 53,274 Equity in undistributed income of subsidiary (16,929) 21,370 113,025 Net income $ 19,935 $ 122,844 $ 166,299
Statements of Cash Flows	Statements of Cash Flows Year Ended December 31, (In thousands) 2024 2023 2022 Cash Flows from Operating Activities: Net income $ 19,935 $ 122,844 $ 166,299 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed income-subsidiary 16,929 (21,370) (113,025) Share based compensation expense 9,044 7,631 7,887 Other-net (7,617) (7,300) (9,760) Net cash provided by operating activities 38,291 101,805 51,401 Cash Flows from Investing Activities: Investment in subsidiary — — (150,000) Net cash provided by/ (used in) investing activities — — (150,000) Cash Flows from Financing Activities: Proceeds from issuance of subordinated debt — — 200,000 Proceeds from issuance of common stock 1,359 2,417 2,192 Stock tendered for payment of withholding taxes (3,513) (1,821) (2,353) Repurchase of common stock — — (24,987) Dividends paid (61,638) (61,159) (61,368) Net cash provided by/ (used in) financing activities (63,792) (60,563) 113,484 Net increase/ (decrease) in cash and cash equivalents (25,501) 41,242 14,885 Cash and cash equivalents at beginning of year 125,165 83,923 69,038 Cash and cash equivalents at end of year $ 99,664 $ 125,165 $ 83,923

REGULATORY MATTERS (Tables)

REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2024
Banking and Thrift, Interest [Abstract]
Schedule of Actual Capital Amounts and Ratios	The Company's and the Bank's actual capital amounts and ratios at December 31 for the years indicated are presented in the following table: Actual For Capital To be Well (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2024 Tier 1 Leverage: Company $ 1,317,776 9.39 % $ 561,204 4.00 % N/A N/A Sandy Spring Bank $ 1,589,407 11.33 % $ 561,077 4.00 % $ 701,347 5.00 % Common Equity Tier 1 Capital to risk- weighted assets: Company $ 1,317,776 11.36 % $ 522,147 4.50 % N/A N/A Sandy Spring Bank $ 1,589,407 13.70 % $ 521,980 4.50 % $ 753,971 6.50 % Tier 1 Capital to risk-weighted assets: Company $ 1,317,776 11.36 % $ 696,196 6.00 % N/A N/A Sandy Spring Bank $ 1,589,407 13.70 % $ 695,973 6.00 % $ 927,964 8.00 % Total Capital to risk-weighted assets: Company $ 1,784,263 15.38 % $ 928,262 8.00 % N/A N/A Sandy Spring Bank $ 1,715,894 14.79 % $ 927,964 8.00 % $ 1,159,956 10.00 % As of December 31, 2023 Tier 1 Leverage: Company $ 1,303,684 9.51 % $ 548,345 4.00 % N/A N/A Sandy Spring Bank $ 1,548,387 11.30 % $ 548,198 4.00 % $ 685,247 5.00 % Common Equity Tier 1 Capital to risk- weighted assets: Company $ 1,303,684 10.90 % $ 538,445 4.50 % N/A N/A Sandy Spring Bank $ 1,548,387 12.95 % $ 538,227 4.50 % $ 777,440 6.50 % Tier 1 Capital to risk-weighted assets: Company $ 1,303,684 10.90 % $ 717,926 6.00 % N/A N/A Sandy Spring Bank $ 1,548,387 12.95 % $ 717,637 6.00 % $ 956,849 8.00 % Total Capital to risk-weighted assets: Company $ 1,785,347 14.92 % $ 957,235 8.00 % N/A N/A Sandy Spring Bank $ 1,655,050 13.84 % $ 956,849 8.00 % $ 1,196,061 10.00 %

SIGNIFICANT ACCOUNTING POLICI_3

SIGNIFICANT ACCOUNTING POLICIES (Narrative) (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($) segment	Dec. 31, 2022 USD ($)	Oct. 01, 2024 USD ($)
Property, Plant and Equipment [Line Items]
Number of reporting units | segment			2
Goodwill impairment loss		$ 54,391	$ 0	$ 0
Community Banking
Property, Plant and Equipment [Line Items]
Merger implied deal value					$ 1,574,400
Merger deal book value					$ 1,628,800
Goodwill impairment loss	$ 54,400	$ 54,391
Furniture and Fixtures | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	3 years	3 years
Furniture and Fixtures | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	10 years	10 years
Computer Equipment | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	3 years	3 years
Computer Equipment | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	5 years	5 years
Building and Building Improvements | Minimum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	10 years	10 years
Building and Building Improvements | Maximum
Property, Plant and Equipment [Line Items]
Property, plant and equipment, useful life	40 years	40 years

CASH AND DUE FROM BANKS (Narrat

CASH AND DUE FROM BANKS (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Cash and Cash Equivalents [Abstract]
Compensating balance	$ 488.5	$ 429.2

INVESTMENTS - Amortized Cost an

INVESTMENTS - Amortized Cost and Estimated Fair Values of Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Available-for-sale debt securities:
Amortized Cost	$ 1,254,321	$ 1,220,819
Gross Unrealized Gains	196	182
Gross Unrealized Losses	(113,734)	(118,320)
Investments available-for-sale (at fair value)	1,140,783	1,102,681
Held-to-maturity debt securities
Amortized Cost	215,747	236,165
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(37,893)	(35,754)
Investments held-to-maturity (at fair value)	177,854	200,411
Total debt securities
Book value of debt securities pledged as collateral	1,470,068	1,456,984
Gross Unrealized Gains	196	182
Gross Unrealized Losses	(151,627)	(154,074)
Estimated Fair Value	1,318,637	1,303,092
U.S. treasuries and government agencies
Available-for-sale debt securities:
Amortized Cost	84,420	101,678
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(2,106)	(4,751)
Investments available-for-sale (at fair value)	82,314	96,927
State and municipal
Available-for-sale debt securities:
Amortized Cost	281,837	311,505
Gross Unrealized Gains	1	1
Gross Unrealized Losses	(46,904)	(43,292)
Investments available-for-sale (at fair value)	234,934	268,214
Mortgage-backed and asset-backed
Available-for-sale debt securities:
Amortized Cost	888,064	807,636
Gross Unrealized Gains	195	181
Gross Unrealized Losses	(64,724)	(70,277)
Investments available-for-sale (at fair value)	823,535	737,540
Held-to-maturity debt securities
Amortized Cost	215,747	236,165
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(37,893)	(35,754)
Investments held-to-maturity (at fair value)	$ 177,854	$ 200,411

INVESTMENTS - Narrative (Detail

INVESTMENTS - Narrative (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Schedule of Investments [Line Items]
Accrued interest receivable	$ 45,627	$ 46,583
Book value of debt securities pledged as collateral	1,470,068	1,456,984
Asset Pledged as Collateral | Deposits
Schedule of Investments [Line Items]
Book value of debt securities pledged as collateral	468,900	729,000
Collateralized mortgage obligations
Schedule of Investments [Line Items]
Mortgage-backed securities	505,100
Mortgage-backed securities
Schedule of Investments [Line Items]
Mortgage-backed securities	557,600
SBA asset-backed securities
Schedule of Investments [Line Items]
Mortgage-backed securities	41,200
Investment Securities
Schedule of Investments [Line Items]
Accrued interest receivable	$ 5,300	$ 5,400

INVESTMENTS - Gross Unrealized

INVESTMENTS - Gross Unrealized Losses and Fair Value by Length of Time of Available-For-Sale Securities (Detail) $ in Thousands	Dec. 31, 2024 USD ($) security	Dec. 31, 2023 USD ($) security
Debt Securities, Available-for-sale [Line Items]
Number of Securities | security	476	454
Fair Value
Less Than 12 Months	$ 226,115	$ 26,893
12 Months or More	861,065	1,050,289
Total	1,087,180	1,077,182
Unrealized Losses
Less Than 12 Months	3,704	190
12 Months or More	110,030	118,130
Total	$ 113,734	$ 118,320
U.S. treasuries and government agencies
Debt Securities, Available-for-sale [Line Items]
Number of Securities | security	7	10
Fair Value
Less Than 12 Months	$ 0	$ 0
12 Months or More	82,314	96,927
Total	82,314	96,927
Unrealized Losses
Less Than 12 Months	0	0
12 Months or More	2,106	4,751
Total	$ 2,106	$ 4,751
State and municipal
Debt Securities, Available-for-sale [Line Items]
Number of Securities | security	116	123
Fair Value
Less Than 12 Months	$ 2,979	$ 4,162
12 Months or More	226,234	262,081
Total	229,213	266,243
Unrealized Losses
Less Than 12 Months	213	84
12 Months or More	46,691	43,208
Total	$ 46,904	$ 43,292
Mortgage-backed and asset-backed
Debt Securities, Available-for-sale [Line Items]
Number of Securities | security	353	321
Fair Value
Less Than 12 Months	$ 223,136	$ 22,731
12 Months or More	552,517	691,281
Total	775,653	714,012
Unrealized Losses
Less Than 12 Months	3,491	106
12 Months or More	61,233	70,171
Total	$ 64,724	$ 70,277

INVESTMENTS - Estimated Fair Va

INVESTMENTS - Estimated Fair Values of Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Fair Value
Total available-for-sale debt securities	$ 1,140,783	$ 1,102,681
Amortized Cost
Amortized Cost	1,254,321	1,220,819
Fair Value
Total held-to-maturity debt securities	177,854	200,411
Amortized Cost
Amortized Cost	215,747	236,165
U.S. treasuries and government agencies
Fair Value
One year or less	58,341	17,798
One to five years	23,973	79,129
Five to ten years	0	0
After ten years	0	0
Total available-for-sale debt securities	82,314	96,927
Amortized Cost
One year or less	59,634	17,979
One to five years	24,786	83,699
Five to ten years	0	0
After ten years	0	0
Amortized Cost	84,420	101,678
State and municipal
Fair Value
One year or less	19,285	22,345
One to five years	14,447	33,282
Five to ten years	56,396	46,355
After ten years	144,806	166,232
Total available-for-sale debt securities	234,934	268,214
Amortized Cost
One year or less	19,467	22,793
One to five years	15,286	34,288
Five to ten years	66,696	54,487
After ten years	180,388	199,937
Amortized Cost	281,837	311,505
Mortgage-backed and asset-backed
Fair Value
One year or less	9,493	20,814
One to five years	20,937	29,823
Five to ten years	273,282	256,924
After ten years	519,823	429,979
Total available-for-sale debt securities	823,535	737,540
Amortized Cost
One year or less	9,503	21,111
One to five years	21,347	30,666
Five to ten years	293,839	280,209
After ten years	563,375	475,650
Amortized Cost	888,064	807,636
Fair Value
One year or less	0	0
One to five years	0	0
Five to ten years	27,357	31,434
After ten years	150,497	168,977
Total held-to-maturity debt securities	177,854	200,411
Amortized Cost
One year or less	0	0
One to five years	0	0
Five to ten years	30,059	34,458
After ten years	185,688	201,707
Amortized Cost	$ 215,747	$ 236,165

INVESTMENTS - Other Investments

INVESTMENTS - Other Investments (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Federal Home Loan Bank Stock and Federal Reserve Bank Stock [Abstract]
Federal Reserve Bank stock, at cost	$ 39,346	$ 39,125
Federal Home Loan Bank of Atlanta stock, at cost	21,691	35,805
Other	677	677
Total other investments, at cost	$ 61,714	$ 75,607

INVESTMENTS - Gross Realized Ga

INVESTMENTS - Gross Realized Gains and Losses on All Investments (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Gross realized gains from sales of investments available-for-sale	$ 0	$ 0	$ 8
Gross realized losses from sales of investments available-for-sale	0	0	(393)
Net gains from calls of investments available-for-sale	0	0	40
Net investment securities losses	$ 0	$ 0	$ (345)

LOANS - Narrative (Detail)

LOANS - Narrative (Detail) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Receivables [Abstract]
Unearned income and deferred fees	$ 5.8	$ 7

LOANS - Loan Portfolio Segment

LOANS - Loan Portfolio Segment Balances (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	$ 11,537,966	$ 11,366,989
Commercial investor real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	4,779,593	5,104,425
Commercial owner-occupied real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	1,748,772	1,755,235
Commercial AD&C
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	1,327,292	988,967
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	1,537,589	1,474,521
Residential construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	49,028	121,419
Commercial real estate: | Commercial investor real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	4,779,593	5,104,425
Commercial real estate: | Commercial owner-occupied real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	1,748,772	1,755,235
Commercial real estate: | Commercial AD&C
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	1,327,292	988,967
Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	9,508,792	9,353,507
Commercial business | Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	1,653,135	1,504,880
Total residential and consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	2,029,174	2,013,482
Residential real estate: | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	1,537,589	1,474,521
Residential real estate: | Residential construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	49,028	121,419
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	$ 442,557	$ 417,542

LOANS - Summary of Loans to Rel

LOANS - Summary of Loans to Related Parties (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance at beginning of period	$ 67,154	$ 60,856
Additions	20,658	9,543
Repayments	(5,258)	(3,245)
Balance at end of period	$ 82,554	$ 67,154

CREDIT QUALITY ASSESSMENT - All

CREDIT QUALITY ASSESSMENT - Allowance for Credit Loss Activity (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Balance at beginning of year	$ 120,865	$ 136,242	$ 109,145
Provision/ (credit) for credit losses - loans	17,255	(13,894)	26,680
Loans charge-offs	(4,608)	(2,614)	(1,105)
Loans recoveries	889	1,131	1,522
Net (charge-offs)/ recoveries	(3,719)	(1,483)	417
Balance at period end	$ 134,401	$ 120,865	$ 136,242

CREDIT QUALITY ASSESSMENT - Col

CREDIT QUALITY ASSESSMENT - Collateral Dependent Loans (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Credit Loss [Abstract]
Collateral dependent loans individually evaluated for credit loss with an allowance	$ 94,965	$ 72,179
Collateral dependent loans individually evaluated for credit loss without an allowance	22,015	15,989
Total individually evaluated collateral dependent loans	116,980	88,168
Allowance for credit losses related to loans evaluated individually	37,538	24,000
Allowance for credit losses related to loans evaluated collectively	96,863	96,865
Total allowance for credit losses - loans	$ 134,401	$ 120,865	$ 136,242	$ 109,145

CREDIT QUALITY ASSESSMENT - A_2

CREDIT QUALITY ASSESSMENT - Allowance for Credit or Loan Losses by Respective Loan Portfolio Segment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of year	$ 120,865	$ 136,242	$ 109,145
Provision/ (credit) for credit losses - loans	17,255	(13,894)	26,680
Loans charge-offs	(4,608)	(2,614)	(1,105)
Loans recoveries	889	1,131	1,522
Net (charge-offs)/ recoveries	(3,719)	(1,483)	417
Balance at period end	134,401	120,865	136,242
Total loans held for investment	$ 11,537,966	$ 11,366,989
Allowance for credit losses on loans to total loans ratio	1.16%	1.06%
Average loans	$ 11,429,692	$ 11,354,227
Net charge-offs/ (recoveries) to average loans	0.03%	0.01%
Balance of loans individually evaluated for credit loss	$ 116,980	$ 88,168
Allowance for credit losses related to loans evaluated individually	$ 37,538	$ 24,000
Individual allowance to loans evaluated individually ratio	32.09%	27.22%
Contractual balance of individually evaluated loans	$ 121,198	$ 91,105
Balance of loans collectively evaluated for credit loss	11,420,986	11,278,821
Allowance for credit losses related to loans evaluated collectively	$ 96,863	$ 96,865
Collective allowance to loans evaluated collectively ratio	0.85%	0.86%
Commercial Investor R/E
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Loans charge-offs	$ (401)	$ 0
Total loans held for investment	4,779,593	5,104,425
Commercial Owner- Occupied R/E
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Loans charge-offs	0	0
Total loans held for investment	1,748,772	1,755,235
Commercial AD&C
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Loans charge-offs	(135)	0
Total loans held for investment	1,327,292	988,967
Residential Mortgage
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Loans charge-offs	(50)	(160)
Total loans held for investment	1,537,589	1,474,521
Residential Construction
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Loans charge-offs	0	0
Total loans held for investment	49,028	121,419
Commercial Real Estate | Commercial Investor R/E
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of year	61,439	64,737
Provision/ (credit) for credit losses - loans	(3,333)	(3,323)
Loans charge-offs	(401)	0
Loans recoveries	12	25
Net (charge-offs)/ recoveries	(389)	25
Balance at period end	57,717	61,439	64,737
Total loans held for investment	$ 4,779,593	$ 5,104,425
Allowance for credit losses on loans to total loans ratio	1.21%	1.20%
Average loans	$ 4,929,894	$ 5,133,279
Net charge-offs/ (recoveries) to average loans	0.01%	0%
Balance of loans individually evaluated for credit loss	$ 71,068	$ 72,218
Allowance for credit losses related to loans evaluated individually	$ 18,313	$ 15,353
Individual allowance to loans evaluated individually ratio	25.77%	21.26%
Contractual balance of individually evaluated loans	$ 72,925	$ 72,712
Balance of loans collectively evaluated for credit loss	4,708,525	5,032,207
Allowance for credit losses related to loans evaluated collectively	$ 39,404	$ 46,086
Collective allowance to loans evaluated collectively ratio	0.84%	0.92%
Commercial Real Estate | Commercial Owner- Occupied R/E
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of year	$ 7,536	$ 11,646
Provision/ (credit) for credit losses - loans	(2,255)	(4,215)
Loans charge-offs	0	0
Loans recoveries	111	105
Net (charge-offs)/ recoveries	111	105
Balance at period end	5,392	7,536	11,646
Total loans held for investment	$ 1,748,772	$ 1,755,235
Allowance for credit losses on loans to total loans ratio	0.31%	0.43%
Average loans	$ 1,740,376	$ 1,766,839
Net charge-offs/ (recoveries) to average loans	(0.01%)	(0.01%)
Balance of loans individually evaluated for credit loss	$ 7,008	$ 4,640
Allowance for credit losses related to loans evaluated individually	$ 78	$ 1,159
Individual allowance to loans evaluated individually ratio	1.11%	24.98%
Contractual balance of individually evaluated loans	$ 8,182	$ 5,623
Balance of loans collectively evaluated for credit loss	1,741,764	1,750,595
Allowance for credit losses related to loans evaluated collectively	$ 5,314	$ 6,377
Collective allowance to loans evaluated collectively ratio	0.31%	0.36%
Commercial Real Estate | Commercial AD&C
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of year	$ 8,287	$ 18,646
Provision/ (credit) for credit losses - loans	20,167	(10,359)
Loans charge-offs	(135)	0
Loans recoveries	353	0
Net (charge-offs)/ recoveries	218	0
Balance at period end	28,672	8,287	18,646
Total loans held for investment	$ 1,327,292	$ 988,967
Allowance for credit losses on loans to total loans ratio	2.16%	0.84%
Average loans	$ 1,180,100	$ 1,023,669
Net charge-offs/ (recoveries) to average loans	(0.02%)	0%
Balance of loans individually evaluated for credit loss	$ 31,314	$ 1,259
Allowance for credit losses related to loans evaluated individually	$ 13,706	$ 102
Individual allowance to loans evaluated individually ratio	43.77%	8.10%
Contractual balance of individually evaluated loans	$ 31,327	$ 1,270
Balance of loans collectively evaluated for credit loss	1,295,978	987,708
Allowance for credit losses related to loans evaluated collectively	$ 14,966	$ 8,185
Collective allowance to loans evaluated collectively ratio	1.15%	0.83%
Commercial Business
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Total loans held for investment	$ 9,508,792	$ 9,353,507
Commercial Business | Commercial Business
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of year	31,932	28,027
Provision/ (credit) for credit losses - loans	1,952	4,051
Loans charge-offs	(3,481)	(449)
Loans recoveries	53	303
Net (charge-offs)/ recoveries	(3,428)	(146)
Balance at period end	30,456	31,932	28,027
Total loans held for investment	$ 1,653,135	$ 1,504,880
Allowance for credit losses on loans to total loans ratio	1.84%	2.12%
Average loans	$ 1,561,616	$ 1,440,382
Net charge-offs/ (recoveries) to average loans	0.22%	0.01%
Balance of loans individually evaluated for credit loss	$ 7,590	$ 10,051
Allowance for credit losses related to loans evaluated individually	$ 5,441	$ 7,386
Individual allowance to loans evaluated individually ratio	71.69%	73.49%
Contractual balance of individually evaluated loans	$ 8,764	$ 11,500
Balance of loans collectively evaluated for credit loss	1,645,545	1,494,829
Allowance for credit losses related to loans evaluated collectively	$ 25,015	$ 24,546
Collective allowance to loans evaluated collectively ratio	1.52%	1.64%
Residential Real Estate | Residential Mortgage
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of year	$ 8,890	$ 9,424
Provision/ (credit) for credit losses - loans	294	(488)
Loans charge-offs	(50)	(160)
Loans recoveries	59	114
Net (charge-offs)/ recoveries	9	(46)
Balance at period end	9,193	8,890	9,424
Total loans held for investment	$ 1,537,589	$ 1,474,521
Allowance for credit losses on loans to total loans ratio	0.60%	0.60%
Average loans	$ 1,518,170	$ 1,380,496
Net charge-offs/ (recoveries) to average loans	0%	0%
Balance of loans individually evaluated for credit loss	$ 0	$ 0
Allowance for credit losses related to loans evaluated individually	$ 0	$ 0
Individual allowance to loans evaluated individually ratio	0%	0%
Contractual balance of individually evaluated loans	$ 0	$ 0
Balance of loans collectively evaluated for credit loss	1,537,589	1,474,521
Allowance for credit losses related to loans evaluated collectively	$ 9,193	$ 8,890
Collective allowance to loans evaluated collectively ratio	0.60%	0.60%
Residential Real Estate | Residential Construction
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of year	$ 729	$ 1,337
Provision/ (credit) for credit losses - loans	(526)	(608)
Loans charge-offs	0	0
Loans recoveries	0	0
Net (charge-offs)/ recoveries	0	0
Balance at period end	203	729	1,337
Total loans held for investment	$ 49,028	$ 121,419
Allowance for credit losses on loans to total loans ratio	0.41%	0.60%
Average loans	$ 77,276	$ 187,599
Net charge-offs/ (recoveries) to average loans	0%	0%
Balance of loans individually evaluated for credit loss	$ 0	$ 0
Allowance for credit losses related to loans evaluated individually	$ 0	$ 0
Individual allowance to loans evaluated individually ratio	0%	0%
Contractual balance of individually evaluated loans	$ 0	$ 0
Balance of loans collectively evaluated for credit loss	49,028	121,419
Allowance for credit losses related to loans evaluated collectively	$ 203	$ 729
Collective allowance to loans evaluated collectively ratio	0.41%	0.60%
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of year	$ 2,052	$ 2,425
Provision/ (credit) for credit losses - loans	956	1,048
Loans charge-offs	(541)	(2,005)
Loans recoveries	301	584
Net (charge-offs)/ recoveries	(240)	(1,421)
Balance at period end	2,768	2,052	$ 2,425
Total loans held for investment	$ 442,557	$ 417,542
Allowance for credit losses on loans to total loans ratio	0.63%	0.49%
Average loans	$ 422,260	$ 421,963
Net charge-offs/ (recoveries) to average loans	0.06%	0.34%
Balance of loans individually evaluated for credit loss	$ 0	$ 0
Allowance for credit losses related to loans evaluated individually	$ 0	$ 0
Individual allowance to loans evaluated individually ratio	0%	0%
Contractual balance of individually evaluated loans	$ 0	$ 0
Balance of loans collectively evaluated for credit loss	442,557	417,542
Allowance for credit losses related to loans evaluated collectively	$ 2,768	$ 2,052
Collective allowance to loans evaluated collectively ratio	0.63%	0.49%

CREDIT QUALITY ASSESSMENT - Non

CREDIT QUALITY ASSESSMENT - Nonaccrual Related Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	$ 105,186	$ 58,813
Contractual interest income due on non-accrual loans during the period	6,433	2,552
Commercial Real Estate | Commercial Investor R/E
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	56,682	28,650
Contractual interest income due on non-accrual loans during the period	3,629	760
Commercial Real Estate | Commercial Owner- Occupied R/E
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	7,611	4,795
Contractual interest income due on non-accrual loans during the period	466	298
Commercial Real Estate | Commercial AD&C
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	16,453	812
Contractual interest income due on non-accrual loans during the period	800	41
Commercial Business
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	8,063	9,640
Contractual interest income due on non-accrual loans during the period	553	716
Residential Real Estate | Residential Mortgage
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	11,749	10,547
Contractual interest income due on non-accrual loans during the period	583	432
Residential Real Estate | Residential Construction
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	536	223
Contractual interest income due on non-accrual loans during the period	27	6
Consumer
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	4,092	4,146
Contractual interest income due on non-accrual loans during the period	$ 375	$ 299

CREDIT QUALITY ASSESSMENT - Nar

CREDIT QUALITY ASSESSMENT - Narrative (Detail)	12 Months Ended
	Dec. 31, 2024 USD ($) loan	Dec. 31, 2023 USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Interest income recognized on non-accrual	$ 0
Loans placed on non-accrual	51,000,000
Reversal of uncollected accrued interest	1,400,000
Unfunded loan commitments for borrowers experiencing financial difficulty	10,300,000
Other real estate owned	$ 3,265,000	$ 0
Number of mortgages in formal foreclosure proceedings | loan	9
Mortgages in formal foreclosure proceedings	$ 1,600,000
Nonaccrual Collateral Dependent Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Subsequent default, number of contracts | loan	3
Financing receivable, modified, subsequent default	$ 2,300,000
Restructured Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Other real estate owned	$ 3,300,000	$ 0

CREDIT QUALITY ASSESSMENT - Inf

CREDIT QUALITY ASSESSMENT - Information on the Credit Quality of Loan Portfolio (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Loans placed on non-accrual	$ 51,000
Non-accrual status
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	91,485	$ 34,782
Loans placed on non-accrual	51,041	81,877
Non-accrual balances transferred to OREO	(3,265)	0
Non-accrual balances charged-off	(4,034)	(2,358)
Net payments or draws	(13,604)	(21,030)
Non-accrual loans brought current	(2,483)	(1,786)
Balance at end of period	119,140	91,485
Non-accrual status | Commercial Real Estate | Commercial Investor R/E
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	58,658	9,943
Loans placed on non-accrual	6,706	62,725
Non-accrual balances transferred to OREO	(3,265)	0
Non-accrual balances charged-off	(402)	0
Net payments or draws	(3,626)	(14,010)
Non-accrual loans brought current	0	0
Balance at end of period	58,071	58,658
Non-accrual status | Commercial Real Estate | Commercial Owner- Occupied R/E
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	4,640	5,019
Loans placed on non-accrual	5,730	0
Non-accrual balances transferred to OREO	0	0
Non-accrual balances charged-off	0	0
Net payments or draws	(1,637)	(379)
Non-accrual loans brought current	(1,725)	0
Balance at end of period	7,008	4,640
Non-accrual status | Commercial Real Estate | Commercial AD&C
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	1,259	0
Loans placed on non-accrual	31,694	2,111
Non-accrual balances transferred to OREO	0	0
Non-accrual balances charged-off	(134)	0
Net payments or draws	(1,505)	(852)
Non-accrual loans brought current	0	0
Balance at end of period	31,314	1,259
Non-accrual status | Commercial Business
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	10,051	7,322
Loans placed on non-accrual	3,909	6,271
Non-accrual balances transferred to OREO	0	0
Non-accrual balances charged-off	(3,478)	(441)
Net payments or draws	(2,892)	(2,588)
Non-accrual loans brought current	0	(513)
Balance at end of period	7,590	10,051
Non-accrual status | Residential Real Estate | Residential Mortgage
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	12,332	7,439
Loans placed on non-accrual	1,634	7,871
Non-accrual balances transferred to OREO	0	0
Non-accrual balances charged-off	0	(160)
Net payments or draws	(2,447)	(1,667)
Non-accrual loans brought current	(580)	(1,151)
Balance at end of period	10,939	12,332
Non-accrual status | Residential Real Estate | Residential Construction
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	443	0
Loans placed on non-accrual	0	449
Non-accrual balances transferred to OREO	0	0
Non-accrual balances charged-off	0	0
Net payments or draws	78	(6)
Non-accrual loans brought current	0	0
Balance at end of period	521	443
Non-accrual status | Consumer
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	4,102	5,059
Loans placed on non-accrual	1,368	2,450
Non-accrual balances transferred to OREO	0	0
Non-accrual balances charged-off	(20)	(1,757)
Net payments or draws	(1,575)	(1,528)
Non-accrual loans brought current	(178)	(122)
Balance at end of period	$ 3,697	$ 4,102

CREDIT QUALITY ASSESSMENT - Cre

CREDIT QUALITY ASSESSMENT - Credit Quality of Loan Portfolio by Segment (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Past Due [Line Items]
Total loans	$ 11,537,966	$ 11,366,989
Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	11,418,594	11,275,142
Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	119,140	91,485
Loans greater than 90 days past due	232	362
Restructured loans	0	0
Total loans	119,372	91,847
Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	11,349,246	11,248,749
30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	49,088	23,732
60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	20,260	2,661
Commercial Investor R/E
Financing Receivable, Past Due [Line Items]
Total loans	4,779,593	5,104,425
Commercial Owner- Occupied R/E
Financing Receivable, Past Due [Line Items]
Total loans	1,748,772	1,755,235
Commercial AD&C
Financing Receivable, Past Due [Line Items]
Total loans	1,327,292	988,967
Residential Mortgage
Financing Receivable, Past Due [Line Items]
Total loans	1,537,589	1,474,521
Residential Construction
Financing Receivable, Past Due [Line Items]
Total loans	49,028	121,419
Commercial Real Estate | Commercial Investor R/E
Financing Receivable, Past Due [Line Items]
Total loans	4,779,593	5,104,425
Commercial Real Estate | Commercial Investor R/E | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	4,721,522	5,045,767
Commercial Real Estate | Commercial Investor R/E | Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	58,071	58,658
Loans greater than 90 days past due	0	0
Restructured loans	0	0
Total loans	58,071	58,658
Commercial Real Estate | Commercial Investor R/E | Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	4,696,667	5,044,647
Commercial Real Estate | Commercial Investor R/E | 30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	7,753	1,120
Commercial Real Estate | Commercial Investor R/E | 60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	17,102	0
Commercial Real Estate | Commercial Owner- Occupied R/E
Financing Receivable, Past Due [Line Items]
Total loans	1,748,772	1,755,235
Commercial Real Estate | Commercial Owner- Occupied R/E | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,741,764	1,750,595
Commercial Real Estate | Commercial Owner- Occupied R/E | Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	7,008	4,640
Loans greater than 90 days past due	0	0
Restructured loans	0	0
Total loans	7,008	4,640
Commercial Real Estate | Commercial Owner- Occupied R/E | Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,740,403	1,748,449
Commercial Real Estate | Commercial Owner- Occupied R/E | 30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,361	2,056
Commercial Real Estate | Commercial Owner- Occupied R/E | 60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	0	90
Commercial Real Estate | Commercial AD&C
Financing Receivable, Past Due [Line Items]
Total loans	1,327,292	988,967
Commercial Real Estate | Commercial AD&C | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,295,978	987,708
Commercial Real Estate | Commercial AD&C | Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	31,314	1,259
Loans greater than 90 days past due	0	0
Restructured loans	0	0
Total loans	31,314	1,259
Commercial Real Estate | Commercial AD&C | Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,276,591	986,859
Commercial Real Estate | Commercial AD&C | 30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	19,387	849
Commercial Real Estate | Commercial AD&C | 60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Commercial Business
Financing Receivable, Past Due [Line Items]
Total loans	9,508,792	9,353,507
Commercial Business | Commercial Business
Financing Receivable, Past Due [Line Items]
Total loans	1,653,135	1,504,880
Commercial Business | Commercial Business | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,645,545	1,494,809
Commercial Business | Commercial Business | Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	7,590	10,051
Loans greater than 90 days past due	0	20
Restructured loans	0	0
Total loans	7,590	10,071
Commercial Business | Commercial Business | Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,643,900	1,494,426
Commercial Business | Commercial Business | 30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,275	383
Commercial Business | Commercial Business | 60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	370	0
Residential Real Estate | Residential Mortgage
Financing Receivable, Past Due [Line Items]
Total loans	1,537,589	1,474,521
Residential Real Estate | Residential Mortgage | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,526,418	1,461,847
Residential Real Estate | Residential Mortgage | Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	10,939	12,332
Loans greater than 90 days past due	232	342
Restructured loans	0	0
Total loans	11,171	12,674
Residential Real Estate | Residential Mortgage | Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,509,013	1,445,785
Residential Real Estate | Residential Mortgage | 30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	15,071	14,026
Residential Real Estate | Residential Mortgage | 60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	2,334	2,036
Residential Real Estate | Residential Construction
Financing Receivable, Past Due [Line Items]
Total loans	49,028	121,419
Residential Real Estate | Residential Construction | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	48,507	120,976
Residential Real Estate | Residential Construction | Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	521	443
Loans greater than 90 days past due	0	0
Restructured loans	0	0
Total loans	521	443
Residential Real Estate | Residential Construction | Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	48,507	118,976
Residential Real Estate | Residential Construction | 30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	0	2,000
Residential Real Estate | Residential Construction | 60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Consumer
Financing Receivable, Past Due [Line Items]
Total loans	442,557	417,542
Consumer | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	438,860	413,440
Consumer | Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	3,697	4,102
Loans greater than 90 days past due	0	0
Restructured loans	0	0
Total loans	3,697	4,102
Consumer | Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	434,165	409,607
Consumer | 30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	4,241	3,298
Consumer | 60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	$ 454	$ 535

CREDIT QUALITY ASSESSMENT - I_2

CREDIT QUALITY ASSESSMENT - Information about Credit Quality Indicator by Year of Origination (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	$ 1,330,252	$ 1,245,085
Year one	878,134	2,958,596
Year two	2,839,941	2,375,873
Year three	2,115,616	1,175,656
Year four	1,003,973	870,390
Prior	2,222,947	1,776,440
Revolving Loans	1,147,103	964,949
Total loans	11,537,966	11,366,989
Current period gross charge-offs, total	4,608	2,614	$ 1,105
Commercial Investor R/E
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	337,754	445,782
Year one	303,462	1,396,438
Year two	1,310,176	1,226,951
Year three	1,097,595	634,361
Year four	545,999	511,146
Prior	1,151,868	865,346
Revolving Loans	32,739	24,401
Total loans	4,779,593	5,104,425
Current period gross charge-offs, current year	0	0
Current period gross charge-offs, year one	0	0
Current period gross charge-offs, year two	0	0
Current period gross charge-offs, year three	357	0
Current period gross charge-offs, year four	0	0
Current period gross charge-offs, prior	44	0
Current period gross charge-offs, revolving loans	0	0
Current period gross charge-offs, total	401	0
Commercial Investor R/E | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	337,754	405,740
Year one	303,462	1,395,973
Year two	1,306,076	1,195,708
Year three	1,064,827	634,361
Year four	521,505	511,146
Prior	1,053,674	848,958
Revolving Loans	32,739	23,653
Total loans	4,620,037	5,015,539
Commercial Investor R/E | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0	9,250
Year one	0	0
Year two	4,100	316
Year three	0	0
Year four	18,888	0
Prior	40,437	1,978
Revolving Loans	0	0
Total loans	63,425	11,544
Commercial Investor R/E | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0	30,792
Year one	0	465
Year two	0	30,927
Year three	32,768	0
Year four	5,606	0
Prior	57,757	14,410
Revolving Loans	0	748
Total loans	96,131	77,342
Commercial Investor R/E | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0	0
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	0
Prior	0	0
Revolving Loans	0	0
Total loans	0	0
Commercial Owner- Occupied R/E
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	183,357	139,040
Year one	114,679	364,951
Year two	350,561	321,310
Year three	303,801	239,979
Year four	217,049	243,278
Prior	573,048	441,056
Revolving Loans	6,277	5,621
Total loans	1,748,772	1,755,235
Current period gross charge-offs, current year	0	0
Current period gross charge-offs, year one	0	0
Current period gross charge-offs, year two	0	0
Current period gross charge-offs, year three	0	0
Current period gross charge-offs, year four	0	0
Current period gross charge-offs, prior	0	0
Current period gross charge-offs, revolving loans	0	0
Current period gross charge-offs, total	0	0
Commercial Owner- Occupied R/E | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	183,357	136,072
Year one	109,915	361,247
Year two	346,029	318,269
Year three	286,260	238,761
Year four	212,034	235,145
Prior	542,637	428,846
Revolving Loans	6,277	5,621
Total loans	1,686,509	1,723,961
Commercial Owner- Occupied R/E | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0	406
Year one	4,764	70
Year two	3,632	2,240
Year three	14,731	875
Year four	4,043	2,267
Prior	11,027	8,616
Revolving Loans	0	0
Total loans	38,197	14,474
Commercial Owner- Occupied R/E | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0	2,562
Year one	0	3,634
Year two	900	801
Year three	2,810	343
Year four	972	5,866
Prior	19,384	3,594
Revolving Loans	0	0
Total loans	24,066	16,800
Commercial Owner- Occupied R/E | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0	0
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	0
Prior	0	0
Revolving Loans	0	0
Total loans	0	0
Commercial AD&C
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	423,143	335,934
Year one	243,724	289,301
Year two	329,248	178,889
Year three	120,368	28,954
Year four	1,571	0
Prior	1,358	0
Revolving Loans	207,880	155,889
Total loans	1,327,292	988,967
Current period gross charge-offs, current year	0	0
Current period gross charge-offs, year one	0	0
Current period gross charge-offs, year two	135	0
Current period gross charge-offs, year three	0	0
Current period gross charge-offs, year four	0	0
Current period gross charge-offs, prior	0	0
Current period gross charge-offs, revolving loans	0	0
Current period gross charge-offs, total	135	0
Commercial AD&C | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	423,143	334,918
Year one	243,462	288,732
Year two	301,254	178,889
Year three	73,323	28,954
Year four	0	0
Prior	0	0
Revolving Loans	207,880	155,889
Total loans	1,249,062	987,382
Commercial AD&C | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0	0
Year one	262	0
Year two	0	0
Year three	4,213	0
Year four	0	0
Prior	0	0
Revolving Loans	0	0
Total loans	4,475	0
Commercial AD&C | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0	1,016
Year one	0	569
Year two	27,994	0
Year three	42,832	0
Year four	1,571	0
Prior	1,358	0
Revolving Loans	0	0
Total loans	73,755	1,585
Commercial AD&C | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0	0
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	0
Prior	0	0
Revolving Loans	0	0
Total loans	0	0
Residential Mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	48,709	32,863
Year one	53,563	487,240
Year two	534,492	418,747
Year three	420,196	173,191
Year four	164,577	47,779
Prior	316,052	314,701
Revolving Loans	0	0
Total loans	1,537,589	1,474,521
Current period gross charge-offs, current year	0	0
Current period gross charge-offs, year one	0	0
Current period gross charge-offs, year two	0	43
Current period gross charge-offs, year three	50	0
Current period gross charge-offs, year four	0	10
Current period gross charge-offs, prior	0	107
Current period gross charge-offs, revolving loans	0	0
Current period gross charge-offs, total	50	160
Residential Mortgage | 660-850
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	43,196	31,853
Year one	48,842	476,631
Year two	483,634	394,414
Year three	385,226	166,387
Year four	151,114	41,473
Prior	252,024	266,927
Revolving Loans	0	0
Total loans	1,364,036	1,377,685
Residential Mortgage | 600-659
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	20	781
Year one	1,939	7,022
Year two	18,507	18,284
Year three	9,450	2,009
Year four	2,480	1,882
Prior	20,017	24,040
Revolving Loans	0	0
Total loans	52,413	54,018
Residential Mortgage | 540-599
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0	0
Year one	1,193	1,545
Year two	1,305	2,698
Year three	4,011	2,371
Year four	2,601	1,891
Prior	10,946	9,377
Revolving Loans	0	0
Total loans	20,056	17,882
Residential Mortgage | less than 540
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	5,493	229
Year one	1,589	2,042
Year two	31,046	3,351
Year three	21,509	2,424
Year four	8,382	2,533
Prior	33,065	14,357
Revolving Loans	0	0
Total loans	101,084	24,936
Residential Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	17,457	24,059
Year one	8,785	68,773
Year two	12,257	23,216
Year three	7,161	3,978
Year four	1,500	150
Prior	1,458	1,243
Revolving Loans	410	0
Total loans	49,028	121,419
Current period gross charge-offs, current year	0	0
Current period gross charge-offs, year one	0	0
Current period gross charge-offs, year two	0	0
Current period gross charge-offs, year three	0	0
Current period gross charge-offs, year four	0	0
Current period gross charge-offs, prior	0	0
Current period gross charge-offs, revolving loans	0	0
Current period gross charge-offs, total	0	0
Residential Construction | 660-850
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	16,923	21,975
Year one	7,326	68,273
Year two	11,695	21,897
Year three	6,723	2,478
Year four	0	150
Prior	150	0
Revolving Loans	410	0
Total loans	43,227	114,773
Residential Construction | 600-659
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0	1,641
Year one	0	500
Year two	0	1,319
Year three	0	1,500
Year four	0	0
Prior	1,308	1,243
Revolving Loans	0	0
Total loans	1,308	6,203
Residential Construction | 540-599
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	521	443
Year one	0	0
Year two	500	0
Year three	0	0
Year four	1,500	0
Prior	0	0
Revolving Loans	0	0
Total loans	2,521	443
Residential Construction | less than 540
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	13	0
Year one	1,459	0
Year two	62	0
Year three	438	0
Year four	0	0
Prior	0	0
Revolving Loans	0	0
Total loans	1,972	0
Commercial Business
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	9,508,792	9,353,507
Commercial Business | Commercial Business
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	302,642	254,338
Year one	143,474	346,152
Year two	297,938	204,481
Year three	164,504	94,152
Year four	72,335	65,378
Prior	147,992	119,926
Revolving Loans	524,250	420,453
Total loans	1,653,135	1,504,880
Current period gross charge-offs, current year	0	0
Current period gross charge-offs, year one	0	9
Current period gross charge-offs, year two	1,482	324
Current period gross charge-offs, year three	470	0
Current period gross charge-offs, year four	0	0
Current period gross charge-offs, prior	1,479	116
Current period gross charge-offs, revolving loans	50	0
Current period gross charge-offs, total	3,481	449
Commercial Business | Commercial Business | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	302,334	247,081
Year one	142,011	344,034
Year two	291,167	202,020
Year three	161,300	92,198
Year four	71,650	62,413
Prior	139,311	118,061
Revolving Loans	509,158	410,856
Total loans	1,616,931	1,476,663
Commercial Business | Commercial Business | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	143	532
Year one	605	45
Year two	5,689	180
Year three	1,588	1,037
Year four	48	1,040
Prior	3,913	294
Revolving Loans	10,468	3,635
Total loans	22,454	6,763
Commercial Business | Commercial Business | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	165	6,725
Year one	858	2,073
Year two	1,082	2,281
Year three	1,616	917
Year four	637	1,925
Prior	4,768	1,571
Revolving Loans	4,624	5,962
Total loans	13,750	21,454
Commercial Business | Commercial Business | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0	0
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	0
Prior	0	0
Revolving Loans	0	0
Total loans	0	0
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	17,190	13,069
Year one	10,447	5,741
Year two	5,269	2,279
Year three	1,991	1,041
Year four	942	2,659
Prior	31,171	34,168
Revolving Loans	375,547	358,585
Total loans	442,557	417,542
Current period gross charge-offs, current year	0	0
Current period gross charge-offs, year one	6	20
Current period gross charge-offs, year two	0	28
Current period gross charge-offs, year three	25	0
Current period gross charge-offs, year four	0	15
Current period gross charge-offs, prior	17	1,735
Current period gross charge-offs, revolving loans	493	207
Current period gross charge-offs, total	541	2,005
Consumer | 660-850
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	14,476	11,452
Year one	6,973	4,960
Year two	3,273	1,823
Year three	1,218	519
Year four	637	1,662
Prior	22,453	24,543
Revolving Loans	329,297	333,382
Total loans	378,327	378,341
Consumer | 600-659
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	825	1,209
Year one	1,730	192
Year two	282	237
Year three	40	425
Year four	78	209
Prior	3,166	3,954
Revolving Loans	13,113	12,668
Total loans	19,234	18,894
Consumer | 540-599
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	155	24
Year one	166	374
Year two	430	87
Year three	91	47
Year four	30	500
Prior	2,021	2,868
Revolving Loans	4,571	5,920
Total loans	7,464	9,820
Consumer | less than 540
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	1,734	384
Year one	1,578	215
Year two	1,284	132
Year three	642	50
Year four	197	288
Prior	3,531	2,803
Revolving Loans	28,566	6,615
Total loans	$ 37,532	$ 10,487

CREDIT QUALITY ASSESSMENT - Loa

CREDIT QUALITY ASSESSMENT - Loans Modified (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 118,865	$ 61,861
% of total loan segment	1%	0.50%
Commercial Real Estate | Commercial Investor R/E
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 70,711	$ 52,308
% of total loan segment	1.50%	1%
Interest rate reduction, Weighted Average	0.90%	1.50%
Term extension, Weighted Average	8 months	15 months
Commercial Real Estate | Commercial Owner- Occupied R/E
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 13,682	$ 2,808
% of total loan segment	0.80%	0.20%
Interest rate reduction, Weighted Average	1.10%	0%
Term extension, Weighted Average	20 months	14 months
Commercial Real Estate | Commercial AD&C
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 23,840	$ 1,016
% of total loan segment	1.80%	0.10%
Interest rate reduction, Weighted Average	0%	0%
Term extension, Weighted Average	6 months	9 months
Commercial Business
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 10,111	$ 5,729
% of total loan segment	0.60%	0.40%
Interest rate reduction, Weighted Average	2.10%	0.30%
Term extension, Weighted Average	16 months	14 months
All Other loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 521	$ 0
% of total loan segment	0%	0%
Interest rate reduction, Weighted Average	0%	0%
Term extension, Weighted Average	18 months
Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 5,335	$ 29,203
Interest rate reduction | Commercial Real Estate | Commercial Investor R/E
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	485	28,970
Interest rate reduction | Commercial Real Estate | Commercial Owner- Occupied R/E
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	4,834	0
Interest rate reduction | Commercial Real Estate | Commercial AD&C
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	0	0
Interest rate reduction | Commercial Business
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	16	233
Interest rate reduction | All Other loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	0	0
Term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	104,916	19,098
Term extension | Commercial Real Estate | Commercial Investor R/E
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	61,981	9,778
Term extension | Commercial Real Estate | Commercial Owner- Occupied R/E
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	8,848	2,808
Term extension | Commercial Real Estate | Commercial AD&C
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	23,840	1,016
Term extension | Commercial Business
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	9,726	5,496
Term extension | All Other loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	521	0
Rate reduction & Term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	8,614	13,560
Rate reduction & Term extension | Commercial Real Estate | Commercial Investor R/E
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	8,245	13,560
Rate reduction & Term extension | Commercial Real Estate | Commercial Owner- Occupied R/E
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	0	0
Rate reduction & Term extension | Commercial Real Estate | Commercial AD&C
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	0	0
Rate reduction & Term extension | Commercial Business
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	369	0
Rate reduction & Term extension | All Other loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 0	$ 0

CREDIT QUALITY ASSESSMENT - Per

CREDIT QUALITY ASSESSMENT - Performance of Modified Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 118,865	$ 61,861
Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	67,392	60,103
30-89 days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	48,414	88
90+ days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	3,059	1,670
Commercial Real Estate | Commercial Investor R/E
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	70,711	52,308
Commercial Real Estate | Commercial Investor R/E | Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	20,689	51,560
Commercial Real Estate | Commercial Investor R/E | 30-89 days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	47,617	0
Commercial Real Estate | Commercial Investor R/E | 90+ days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	2,405	748
Commercial Real Estate | Commercial Owner- Occupied R/E
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	13,682	2,808
Commercial Real Estate | Commercial Owner- Occupied R/E | Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	13,225	2,808
Commercial Real Estate | Commercial Owner- Occupied R/E | 30-89 days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0	0
Commercial Real Estate | Commercial Owner- Occupied R/E | 90+ days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	457	0
Commercial Real Estate | Commercial AD&C
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	23,840	1,016
Commercial Real Estate | Commercial AD&C | Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	23,718	327
Commercial Real Estate | Commercial AD&C | 30-89 days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0	0
Commercial Real Estate | Commercial AD&C | 90+ days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	122	689
Commercial Business
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	10,111	5,729
Commercial Business | Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	9,239	5,408
Commercial Business | 30-89 days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	797	88
Commercial Business | 90+ days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	75	233
All Other loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	521	0
All Other loans | Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	521	0
All Other loans | 30-89 days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0	0
All Other loans | 90+ days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 0	$ 0

PREMISES AND EQUIPMENT - Compon

PREMISES AND EQUIPMENT - Components of Premises and Equipment (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Land	$ 9,771	$ 9,771
Buildings and leasehold improvements	70,888	78,210
Equipment	50,007	58,467
Total premises and equipment	130,666	146,448
Less: accumulated depreciation and amortization	(74,668)	(86,958)
Net premises and equipment	$ 55,998	$ 59,490

PREMISES AND EQUIPMENT - Narrat

PREMISES AND EQUIPMENT - Narrative (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Depreciation and amortization	$ 7.2	$ 6.1	$ 6.1

LEASES - Narrative (Details)

LEASES - Narrative (Details)	Dec. 31, 2024 lease
Lessee, Lease, Description [Line Items]
Number of leases not yet commenced	0
Number of lease transactions with related parties	0
Minimum
Lessee, Lease, Description [Line Items]
Renewal term	1 year
Maximum
Lessee, Lease, Description [Line Items]
Renewal term	20 years

LEASES - Schedule of Lease Cost

LEASES - Schedule of Lease Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Components of lease expense:
Operating lease cost (resulting from lease payments)	$ 10,225	$ 10,674
Supplemental cash flow information related to leases:
Operating cash flows from operating leases	11,120	11,470
ROU assets obtained in exchange for lease liabilities	1,402	703
Supplemental balance sheet information related to leases:
Operating lease ROU assets	$ 37,706	$ 40,362
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Operating lease liabilities	$ 44,503	$ 48,058
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Accrued interest payable and other liabilities	Accrued interest payable and other liabilities
Weighted average remaining lease term of operating leases	4 years 10 months 24 days	5 years 7 months 6 days
Weighted average discount rate of operating leases	3.83%	3.61%
Revere Bank and RPJ
Supplemental cash flow information related to leases:
ROU assets obtained in exchange for lease liabilities	$ 0	$ 0

LEASES - Schedule of Maturities

LEASES - Schedule of Maturities of Operating Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Maturity:
One year	$ 11,091
Two years	10,649
Three years	9,232
Four years	7,749
Five years	5,260
Thereafter	4,989
Total undiscounted lease payments	48,970
Less: Present value discount	(4,467)
Lease Liability	$ 44,503	$ 48,058

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS - Net Carrying Amount of Goodwill By Segment (Detail) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Goodwill [Roll Forward]
Beginning balance		$ 363,436	$ 363,436
No Activity			0
Goodwill Impairment Loss		(54,391)	0	$ 0
Ending balance	$ 309,045	309,045	363,436	363,436
Community Banking
Goodwill [Roll Forward]
Beginning balance		331,689	331,689
No Activity			0
Goodwill Impairment Loss	(54,400)	(54,391)
Ending balance	277,298	277,298	331,689	331,689
Insurance
Goodwill [Roll Forward]
Beginning balance		0	0
No Activity			0
Goodwill Impairment Loss		0
Ending balance	0	0	0	0
Investment Management
Goodwill [Roll Forward]
Beginning balance		31,747	31,747
No Activity			0
Goodwill Impairment Loss		0
Ending balance	$ 31,747	$ 31,747	$ 31,747	$ 31,747

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Goodwill [Line Items]
Goodwill impairment loss		$ 54,391	$ 0	$ 0
Community Banking
Goodwill [Line Items]
Goodwill impairment loss	$ 54,400	$ 54,391

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLE ASSETS - Intangible Assets and Goodwill (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Finite-Lived Intangible Assets, Net [Abstract]
Intangible assets, gross	$ 64,898	$ 53,366
Accumulated amortization	(37,439)	(28,313)
Total amortizing intangible assets	27,459	25,053
Intangible Assets, Net (Excluding Goodwill) [Abstract]
Amount	68,187	56,614
Accumulated amortization	(37,439)	(28,313)
Net Carrying Amount	30,748	28,301
Goodwill, gross	309,045	363,436
Goodwill, Net	309,045	363,436	$ 363,436
Intangible projects in process
Indefinite-lived Intangible Assets [Line Items]
Non-amortizing intangible assets:	3,289	3,248
Core deposit intangibles
Finite-Lived Intangible Assets, Net [Abstract]
Intangible assets, gross	29,038	29,038
Accumulated amortization	(23,084)	(20,181)
Total amortizing intangible assets	5,954	8,857
Intangible Assets, Net (Excluding Goodwill) [Abstract]
Accumulated amortization	$ (23,084)	$ (20,181)
Core deposit intangibles | Weighted Average
Finite-Lived Intangible Assets [Line Items]
Finite-lived intangible asset, useful life	3 years 10 months 24 days	5 years 6 months
Software
Finite-Lived Intangible Assets, Net [Abstract]
Intangible assets, gross	$ 21,954	$ 10,422
Accumulated amortization	(5,019)	(183)
Total amortizing intangible assets	16,935	10,239
Intangible Assets, Net (Excluding Goodwill) [Abstract]
Accumulated amortization	$ (5,019)	$ (183)
Software | Weighted Average
Finite-Lived Intangible Assets [Line Items]
Finite-lived intangible asset, useful life	4 years	4 years 9 months 18 days
Other identifiable intangibles
Finite-Lived Intangible Assets, Net [Abstract]
Intangible assets, gross	$ 13,906	$ 13,906
Accumulated amortization	(9,336)	(7,949)
Total amortizing intangible assets	4,570	5,957
Intangible Assets, Net (Excluding Goodwill) [Abstract]
Accumulated amortization	$ (9,336)	$ (7,949)
Other identifiable intangibles | Weighted Average
Finite-Lived Intangible Assets [Line Items]
Finite-lived intangible asset, useful life	6 years 10 months 24 days	7 years 8 months 12 days

GOODWILL AND OTHER INTANGIBLE_6

GOODWILL AND OTHER INTANGIBLE ASSETS - Estimated Future Amortization Expense for Amortizing Intangibles (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
2025	$ 8,310
2026	6,899
2027	5,660
2028	4,342
2029	1,749
Thereafter	499
Total amortizing intangible assets	$ 27,459	$ 25,053

DEPOSITS - Composition of Depos

DEPOSITS - Composition of Deposits (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deposits [Abstract]
Noninterest-bearing deposits	$ 2,804,930	$ 2,914,161
Interest-bearing deposits:
Demand	1,579,463	1,463,679
Money market savings	3,016,096	2,628,918
Regular savings	1,764,598	1,275,225
Time deposits of less than $250,000	1,840,274	2,068,259
Time deposits of $250,000 or more	740,304	646,296
Total interest-bearing deposits	8,940,735	8,082,377
Total deposits	$ 11,745,665	$ 10,996,538

DEPOSITS - Narrative (Detail)

DEPOSITS - Narrative (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Time Deposits [Line Items]
Deposit liabilities reclassified as loans receivable	$ 4,600	$ 1,100
Percentage of time deposits, less than $250,000 of total deposits	15.70%
Percentage of time deposits of $250,000 or more of total deposits	6.30%
Interest expense, time deposits, less than $250,000	$ 53,500	33,900	$ 5,000
Interest expense, time deposits, $250,000 or more	62,100	64,100	$ 11,500
Total deposits	11,745,665	10,996,538
Director and Executive Officer
Time Deposits [Line Items]
Total deposits	$ 70,200	$ 91,100

DEPOSITS - Maturity Schedule fo

DEPOSITS - Maturity Schedule for Time Deposits (Detail) $ in Thousands	Dec. 31, 2024 USD ($)
Deposits [Abstract]
2025	$ 2,186,012
2026	322,656
2027	37,779
2028	27,553
2029	6,578
Thereafter	0
Total time deposits	$ 2,580,578

DEPOSITS - Months to Maturities

DEPOSITS - Months to Maturities Of Time Deposits (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Time deposits - less than $250,000
3 or Less	$ 707,380
Over 3 to 6	346,201
Over 6 to 12	464,896
Over 12	321,797
Total	1,840,274	$ 2,068,259
Time deposits - $250,000 or more
3 or Less	273,372
Over 3 to 6	302,695
Over 6 to 12	91,468
Over 12	72,769
Time deposits of $250,000 or more	$ 740,304	$ 646,296

BORROWINGS - Narrative (Detail)

BORROWINGS - Narrative (Detail) - USD ($)			3 Months Ended
	Mar. 15, 2022	Nov. 05, 2019	Mar. 31, 2024	Dec. 31, 2024	Dec. 31, 2023
Subordinated debentures [Line Items]:
Subordinated debt				$ 371,400,000	$ 370,803,000
Percentage of principal and accrued interest of retail repurchase agreements collateralized				102.50%
FHLB availability				$ 3,200,000,000	3,100,000,000
FHLB advances outstanding				250,000,000	550,000,000
Unsecured Lines Of Credit, Correspondent Banks
Subordinated debentures [Line Items]:
Line of credit amount available for borrowing				903,000,000	1,200,000,000
Federal Reserve Bank Term Funding Program
Subordinated debentures [Line Items]:
Repayments of debt			$ 300,000,000
Federal Reserve and Correspondent Banks
Subordinated debentures [Line Items]:
Line of credit amount available for borrowing				772,300,000	651,300,000
Long-term line of credit				0	0
Federal Home Loan Bank Advances
Subordinated debentures [Line Items]:
Line of credit amount available for borrowing				3,400,000,000	3,600,000,000
Residential Mortgage | Asset Pledged as Collateral | Federal Home Loan Bank Advances | Federal Home Loan Bank Advances
Subordinated debentures [Line Items]:
Line of credit amount available for borrowing				1,400,000,000	1,400,000,000
Commercial real estate loans | Asset Pledged as Collateral | Federal Home Loan Bank Advances | Federal Home Loan Bank Advances
Subordinated debentures [Line Items]:
Line of credit amount available for borrowing				3,900,000,000	4,000,000,000
HELOC | Asset Pledged as Collateral | Federal Home Loan Bank Advances | Federal Home Loan Bank Advances
Subordinated debentures [Line Items]:
Line of credit amount available for borrowing				228,700,000	209,200,000
Multifamily Loans | Asset Pledged as Collateral | Federal Home Loan Bank Advances | Federal Home Loan Bank Advances
Subordinated debentures [Line Items]:
Line of credit amount available for borrowing				559,300,000	$ 538,600,000
Fixed Floating Rate Subordinated Notes Due 2029
Subordinated debentures [Line Items]:
Subordinated debt, gross				$ 140,000,000
Federal funds purchased
Subordinated debentures [Line Items]:
Interest rate				0%	0%
Other short-term borrowings				$ 0	$ 0
Subordinated Debt
Subordinated debentures [Line Items]:
Subordinated debt, gross				$ 375,000,000	375,000,000
Subordinated Debt | Fixed Floating Rate Subordinated Notes Due 2032
Subordinated debentures [Line Items]:
Subordinated debt	$ 200,000,000
Interest rate	3.875%			3.875%
Basis spread on variable rate	1.965%
Unamortized discount (premium) and debt issuance costs, net	$ 3,100,000
Subordinated debt, gross				$ 200,000,000	200,000,000
Subordinated Debt | Fixed Floating Rate Subordinated Notes Due 2029
Subordinated debentures [Line Items]:
Subordinated debt		$ 175,000,000
Interest rate		4.25%
Basis spread on variable rate		2.88%
Effective rate				7.41%
Unamortized discount (premium) and debt issuance costs, net		$ 2,900,000
Subordinated debt, gross				$ 175,000,000	$ 175,000,000
Subordinated Debt | Fixed Floating Rate Subordinated Notes Due 2029 | Maximum
Subordinated debentures [Line Items]:
Term of debt				5 years
Subordinated Debt | Fixed Floating Rate Subordinated Notes Due 2029 | Minimum
Subordinated debentures [Line Items]:
Term of debt				4 years
Subordinated Debt | Fixed Floating Rate Subordinated Notes Due 2029 | Benchmark Adjustment
Subordinated debentures [Line Items]:
Basis spread on variable rate		0.26%

BORROWINGS - Schedule of Subord

BORROWINGS - Schedule of Subordinated Borrowing (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Mar. 15, 2022	Nov. 05, 2019
Subordinated Borrowing [Line Items]
Long-term borrowings	$ 371,400	$ 370,803
Fixed Floating Rate Subordinated Notes Due 2029
Subordinated Borrowing [Line Items]
Subordinated debt, gross	140,000
Subordinated Debt
Subordinated Borrowing [Line Items]
Subordinated debt, gross	375,000	375,000
Less: Debt issuance costs	$ (3,600)	(4,197)
Subordinated Debt | Fixed Floating Rate Subordinated Notes Due 2032
Subordinated Borrowing [Line Items]
Interest rate	3.875%		3.875%
Subordinated debt, gross	$ 200,000	200,000
Long-term borrowings			$ 200,000
Subordinated Debt | Fixed Floating Rate Subordinated Notes Due 2029
Subordinated Borrowing [Line Items]
Interest rate				4.25%
Effective rate	7.41%
Subordinated debt, gross	$ 175,000	$ 175,000
Long-term borrowings				$ 175,000

BORROWINGS - Retail Repurchase

BORROWINGS - Retail Repurchase Agreements and Federal Funds Purchased (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Retail repurchase agreements
Short-term Debt [Line Items]
Other short-term borrowings	$ 68,911,000	$ 75,032,000
Short-term debt, average outstanding amount	65,913,000	63,259,000
Other short term borrowings, maximum month end balance	$ 75,101,000	$ 78,239,000
Interest rate	1.92%	2%
Weighted average interest rate, over time	2.08%	1.45%
Federal funds purchased
Short-term Debt [Line Items]
Other short-term borrowings	$ 0	$ 0
Short-term debt, average outstanding amount	16,208,000	69,672,000
Other short term borrowings, maximum month end balance	$ 130,000,000	$ 330,000,000
Interest rate	0%	0%
Weighted average interest rate, over time	5.53%	5.15%
Federal Reserve Bank borrowings
Short-term Debt [Line Items]
Other short-term borrowings	$ 0	$ 300,000,000
Short-term debt, average outstanding amount	59,016,000	201,370,000
Other short term borrowings, maximum month end balance	$ 300,000,000	$ 300,000,000
Interest rate	0%	4.92%
Weighted average interest rate, over time	5.07%	4.94%

BORROWINGS - Advances from FHLB

BORROWINGS - Advances from FHLB and Respective Maturity Schedule (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Maturity, Amounts
One year	$ 150,000	$ 250,000
Two years	100,000	150,000
Three years	0	100,000
Four years	0	50,000
Five years	0	0
After five years	0	0
Total advances from FHLB	$ 250,000	$ 550,000
Maturity, Weighted Average Rate
One year	4.16%	4.60%
Two years	4.03%	4.16%
Three years	0%	4.03%
Four years	0%	4.08%
Five years	0%	0%
After five years	0%	0%
Total advances from FHLB	4.11%	4.33%

STOCKHOLDERS' EQUITY - Narrativ

STOCKHOLDERS' EQUITY - Narrative (Detail)		3 Months Ended	12 Months Ended
	Jul. 01, 2011 USD ($) shares	Mar. 31, 2023 USD ($) $ / shares shares	Dec. 31, 2024 USD ($) director $ / shares shares	Dec. 31, 2023 USD ($) $ / shares shares	Nov. 18, 2020 shares
Equity, Class of Treasury Stock [Line Items]
Common stock, shares authorized (in shares) | shares			100,000,000	100,000,000
Common stock, par value (in dollars per share) | $ / shares			$ 1	$ 1
Number of directors administering plan | director			3
Dividend Reinvestment Plan
Equity, Class of Treasury Stock [Line Items]
Additional dividends potential payment			$ 153,800,000
Loans Payable			$ 0	$ 0
Common Stock | Employee Stock Purchase Plan
Equity, Class of Treasury Stock [Line Items]
Common stock, shares authorized (in shares) | shares	300,000
Maximum contribution amount	$ 25,000
Common Stock | Restated Employee Stock Purchase Plan
Equity, Class of Treasury Stock [Line Items]
Common stock, shares authorized (in shares) | shares					700,000
Percentage of fair market value of share price			85%
Common Stock | Restated Employee Stock Purchase Plan | Minimum
Equity, Class of Treasury Stock [Line Items]
Percentage of cash compensation paid through payroll deductions			1%
Common Stock | Restated Employee Stock Purchase Plan | Maximum
Equity, Class of Treasury Stock [Line Items]
Percentage of cash compensation paid through payroll deductions			10%
Common Stock | 2022 Stock Repurchase Plan
Equity, Class of Treasury Stock [Line Items]
Value of stock authorized for repurchase		$ 50,000,000
Stock repurchased during period (in shares) | shares		625,710	0
Average cost per share (in dollars per share) | $ / shares		$ 39.93
Stock repurchased during period		$ 25,000,000
Remaining authorized repurchase amount			$ 25,000,000

SHARE BASED COMPENSATION - Narr

SHARE BASED COMPENSATION - Narrative (Detail) - USD ($)		12 Months Ended
	May 22, 2024	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options exercised intrinsic value		$ 186,000
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)		512,184
RSA - 2024 Accelerated Grants
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)		167,436
2015 Omnibus Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized (in shares)	700,000
Expiration period	10 years
Shares available for issuance (in shares)		509,706
2015 Omnibus Incentive Plan | Performance Shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period		3 years
2015 Omnibus Incentive Plan | Performance Shares | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting rights, percentage		0%
2015 Omnibus Incentive Plan | Performance Shares | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting rights, percentage		150%
2015 Omnibus Incentive Plan | Performance Shares | Tranche one
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares issued (in shares)		87,846
Performance period		3 years
2015 Omnibus Incentive Plan | Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation expense		$ 0
Options exercised intrinsic value		200,000	$ 700,000	$ 300,000
2015 Omnibus Incentive Plan | Restricted Stock Awards, Restricted Stock Unit Grants, and Performance Share Unit Grants
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation expense		6,100,000
Recognized compensation expense		$ 9,000,000	$ 7,600,000	$ 7,900,000
Expected cost recognition weighted average period		2 years 1 month 20 days
2015 Omnibus Incentive Plan | Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)		344,748
2015 Omnibus Incentive Plan | Time Based Shares | Tranche two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period		3 years
Shares issued (in shares)		256,902

SHARE BASED COMPENSATION - Summ

SHARE BASED COMPENSATION - Summary of Activity for Company's Restricted Stock (Detail) - Restricted Stock	12 Months Ended
	Dec. 31, 2024 $ / shares shares
Number of Common Shares
Restricted stock beginning balance (in shares) | shares	458,929
Granted (in shares) | shares	512,184
Vested (in shares) | shares	(281,443)
Forfeited (in shares) | shares	(125,811)
Restricted stock ending balance (in shares) | shares	563,859
Weighted Average Grant-Date Fair Value
Restricted stock beginning balance (in dollars per share) | $ / shares	$ 32.90
Granted (in dollars per share) | $ / shares	20.83
Vested (in dollars per share) | $ / shares	30.30
Forfeited (in dollars per share) | $ / shares	24.63
Restricted stock ending balance (in dollars per share) | $ / shares	$ 25.37

SHARE BASED COMPENSATION - Su_2

SHARE BASED COMPENSATION - Summary of Share Option Activity (Detail) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Number of Common Shares
Beginning balance (in shares)	80,195
Granted (in shares)	0
Exercised (in shares)	(11,950)	(59,150)	(14,278)
Forfeited (in shares)	0
Expired (in shares)	(7,411)
Ending balance (in shares)	60,834	80,195
Exercisable at period end (in shares)	60,834
Weighted Average Exercise Share Price
Beginning balance (in dollars per share)	$ 19.07
Granted (in dollars per share)	0
Exercised (in dollars per share)	10.96
Forfeited (in dollars per share)	0
Expired (in dollars per share)	41.75
Ending balance (in dollars per share)	17.89	$ 19.07
Exercisable at period end (in dollars per share)	$ 17.89
Weighted Average Contractual Remaining Life (Years)
Balance at end of period	6 months	1 year 2 months 12 days
Exercisable at end of period	6 months
Aggregate Intrinsic Value (in thousands)
Beginning balance	$ 621
Exercised	186
Ending balance	1,251	$ 621
Exercisable at period end	$ 1,251

PENSION, PROFIT SHARING, AND _3

PENSION, PROFIT SHARING, AND OTHER EMPLOYEE BENEFIT PLANS - Narrative (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Retirement Benefits [Abstract]
Contribution by employer	$ 0	$ 1,350
Settlement charge	$ 0	$ 8,157	$ 0
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) Excluding Service Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]	Salaries and employee benefits	Salaries and employee benefits	Salaries and employee benefits
Days of service	90 days
Employer matching contribution	100%
Percent of employee deferrals	4%
Employer matching contribution, secondary	50%
Percent of employee deferrals, secondary	2%
Profit sharing and matching contribution	$ 6,000	$ 6,300	$ 5,900
Executive incentive retirement plan benefit cost	$ 400	$ 400	$ 700

PENSION, PROFIT SHARING, AND _4

PENSION, PROFIT SHARING, AND OTHER EMPLOYEE BENEFIT PLANS - Plan's Funded Status (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Reconciliation of Projected Benefit Obligation:
Projected obligation at beginning of period	$ 0	$ 35,539
Interest cost	0	1,021	$ 1,301
Actuarial (gain)/ loss	0	(1,726)
Benefit payments	0	(1,102)
Increase/ (decrease) related to change in assumptions	0	0
Annuity Purchase	0	(33,732)
Projected obligation at period end	0	0	35,539
Reconciliation of Fair Value of Plan Assets:
Fair value of plan assets at beginning period	0	32,287
Actual return on plan assets	0	1,197
Employer contributions	0	1,350
Benefit payments	0	(1,102)
Annuity Purchase	0	(33,732)
Fair value of plan assets at end of period	0	0	$ 32,287
Funded status at period end	0	0
Accumulated benefit obligation at period end	0	0
Unrecognized net actuarial loss	0	0
Net periodic pension cost not yet recognized	$ 0	$ 0

PENSION, PROFIT SHARING, AND _5

PENSION, PROFIT SHARING, AND OTHER EMPLOYEE BENEFIT PLANS - Weighted Average Assumptions Used to Determine Benefit Obligations (Detail)	Dec. 31, 2022
Retirement Benefits [Abstract]
Discount rate	5.10%

PENSION, PROFIT SHARING, AND _6

PENSION, PROFIT SHARING, AND OTHER EMPLOYEE BENEFIT PLANS - Net Periodic Benefit Cost (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Retirement Benefits [Abstract]
Interest cost on projected benefit obligation	$ 0	$ 1,021	$ 1,301
Expected return on plan assets	0	(870)	(1,410)
Recognized net actuarial loss	0	526	783
Settlement charge	0	8,157	0
Other	0	113	0
Net periodic benefit cost	$ 0	$ 8,947	$ 674

PENSION, PROFIT SHARING, AND _7

PENSION, PROFIT SHARING, AND OTHER EMPLOYEE BENEFIT PLANS - Weighted Average Assumptions Used to Determine Net Periodic Benefit Cost (Detail)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Retirement Benefits [Abstract]
Discount rate	5.10%	2.80%
Expected return on plan assets	5.25%	3.75%

OTHER NON-INTEREST INCOME AND_3

OTHER NON-INTEREST INCOME AND OTHER NON-INTEREST EXPENSE - Selected Components of Other Non-Interest Income And Other Non-Interest Expense (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Other Income and Expenses [Abstract]
Letter of credit fees	$ 965	$ 676	$ 721
Extension fees	2,656	1,875	955
Swap fee income	443	305	524
Prepayment penalty fees	968	914	1,807
Other income	5,588	4,713	4,687
Total other non-interest income	10,620	8,483	8,694
Postage and delivery	1,920	2,009	2,040
Communications	2,421	2,348	2,332
Mortgage processing expense, net	896	1,070	1,048
Online services	3,794	3,653	2,763
Franchise taxes	2,123	2,285	1,974
Insurance	2,069	2,067	1,921
Card transaction expense	1,325	1,222	1,196
Office supplies	853	1,080	1,013
Contingent payment expense	0	36	1,247
Other expenses	14,810	15,684	12,982
Total other non-interest expense	$ 30,211	$ 31,454	$ 28,516

INCOME TAXES - Components of In

INCOME TAXES - Components of Income Tax Expense (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Current income taxes:
Federal	$ 21,883	$ 27,178	$ 48,920
State	7,569	8,223	16,630
Total current	29,452	35,401	65,550
Deferred income taxes:
Federal	(103)	4,357	(7,214)
State	(323)	1,533	(2,277)
Total deferred	(426)	5,890	(9,491)
Total income tax expense	$ 29,026	$ 41,291	$ 56,059

INCOME TAXES - Narrative (Detai

INCOME TAXES - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	$ 5,431	$ 4,195
State and Local Jurisdiction
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	46,400
State carryforward of disallowed net business excess interest expense	$ 36,900

INCOME TAXES - Deferred Tax Ass

INCOME TAXES - Deferred Tax Assets And Liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deferred tax assets:
Allowance for credit losses	$ 34,241	$ 30,663
Lease liability	11,412	12,262
Employee benefits	6,686	6,115
Deferred loan fees and costs	1,500	2,222
Equity based compensation	1,322	2,401
Unrealized losses on investments available-for-sale	31,673	33,087
Loan and deposit premium/discount	0	139
Reserve for recourse loans and unfunded commitments	424	1,225
Net operating loss carryforward	5,431	4,195
Other	81	157
Gross deferred tax assets	92,770	92,466
Valuation allowance	(5,431)	(4,195)
Net deferred tax asset	87,339	88,271
Deferred tax liabilities:
Right of use asset	(9,663)	(10,292)
Depreciation	(5,565)	(4,559)
Intangible assets	(1,768)	(2,128)
Bond accretion	(626)	(542)
Fair value acquisition adjustments	(583)	(609)
Loan and deposit premium/discount	(20)	0
Other	(446)	(486)
Gross deferred tax liabilities	(18,671)	(18,616)
Net deferred tax asset	$ 68,668	$ 69,655

INCOME TAXES - Reconcilements B

INCOME TAXES - Reconcilements Between Statutory Federal Income Tax Rate And Effective Tax Rate (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Income tax expense at federal statutory rate	$ 10,282	$ 34,469	$ 46,696
Increase/ (decrease) resulting from:
Tax exempt income, net	(159)	(919)	(1,909)
Bank-owned life insurance	(1,472)	(802)	(662)
State income taxes, net of federal income tax benefits	5,724	7,707	11,339
Goodwill impairment	11,422	0	0
Nondeductible merger and acquisition expense	756	0	0
Nondeductible executive compensation	1,076	112	531
Other, net	1,397	724	64
Total income tax expense	$ 29,026	$ 41,291	$ 56,059
Income tax expense at federal statutory rate	21%	21%	21%
Increase/ (decrease) resulting from:
Tax exempt income, net	(0.30%)	(0.60%)	(0.90%)
Bank-owned life insurance	(3.00%)	(0.50%)	(0.30%)
State income taxes, net of federal income tax benefits	11.70%	4.70%	5.10%
Effective Income Tax Rate Reconciliation, Nondeductible Merger And Acquisition Expense, Percent	1.50%	0%	0%
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Impairment Losses, Percent	23.30%	0%	0%
Effective Income Tax Rate Reconciliation, Nondeductible Executive Compensation Percent	2.20%	0.10%	0.20%
Other, net	2.90%	0.50%	0.10%
Total income tax expense and rate	59.30%	25.20%	25.20%

NET INCOME PER COMMON SHARE - C

NET INCOME PER COMMON SHARE - Calculation of Net Income per Common Share (Detail) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Earnings Per Share [Abstract]
Net income	$ 19,935	$ 122,844	$ 166,299
Less: Distributed and undistributed earnings allocated to participating securities	(33)	(223)	(681)
Net income attributable to common shareholders	$ 19,902	$ 122,621	$ 165,618
Total weighted average outstanding shares (in shares)	45,094	44,907	45,049
Less: weighted average participating securities (in shares)	(26)	(81)	(186)
Basic weighted average common shares (in shares)	45,068	44,825	44,863
Dilutive weighted average common stock equivalents (in shares)	159	122	176
Diluted weighted average common shares (in shares)	45,227	44,947	45,039
Basic net income per common share (in dollars per share)	$ 0.44	$ 2.74	$ 3.69
Diluted net income per common share (in dollars per share)	$ 0.44	$ 2.73	$ 3.68
Anti-dilutive shares (in shares)	31	22	9

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME/ (LOSS) - Net Accumulated Other Comprehensive Loss (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Roll Forward]
Balance at beginning of period	$ 1,588,142	$ 1,483,768	$ 1,519,679
Period change, net of tax	4,684	34,620	(123,412)
Balance at end of period	1,558,011	1,588,142	1,483,768
Total
Accumulated Other Comprehensive Income (Loss) [Roll Forward]
Balance at beginning of period	(97,331)	(131,951)	(8,539)
Period change, net of tax	4,684	34,620	(123,412)
Balance at end of period	(92,647)	(97,331)	(131,951)
Unrealized Gains/ (Losses) on Investments Available-for-Sale
Accumulated Other Comprehensive Income (Loss) [Roll Forward]
Balance at beginning of period	(88,169)	(113,513)	(336)
Period change, net of tax	3,554	25,344	(113,177)
Balance at end of period	(84,615)	(88,169)	(113,513)
Defined Benefit Pension Plan
Accumulated Other Comprehensive Income (Loss) [Roll Forward]
Balance at beginning of period	0	(8,002)	(8,203)
Period change, net of tax	0	8,002	201
Balance at end of period	0	0	(8,002)
Unrealized Losses on Debt Securities Transferred from Available-for-Sale to Held-to-Maturity
Accumulated Other Comprehensive Income (Loss) [Roll Forward]
Balance at beginning of period	(9,162)	(10,436)	0
Period change, net of tax	1,130	1,274	(10,436)
Balance at end of period	$ (8,032)	$ (9,162)	$ (10,436)

ACCUMULATED OTHER COMPREHENSI_4

ACCUMULATED OTHER COMPREHENSIVE INCOME/ (LOSS) - Reclassification Adjustments Out of Accumulated Other Comprehensive Income (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Line Items]
Investment securities losses	$ 0	$ 0	$ (345)
Interest and dividends on investment securities	672,272	637,524	495,667
Recognized net actuarial loss	0	526	783
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Gain (Loss) Due to Settlement	0	(8,157)	0
Income before taxes	48,961	164,135	222,358
Tax expense (benefit)	(29,026)	(41,291)	(56,059)
Net income	19,935	122,844	166,299
Reclassification out of Accumulated Other Comprehensive Income | Unrealized Gains/ (Losses) on Investments Available-for-Sale
Accumulated Other Comprehensive Income (Loss) [Line Items]
Investment securities losses	0	0	(345)
Income before taxes	0	0	(345)
Tax expense (benefit)	0	0	88
Net income	0	0	(257)
Reclassification out of Accumulated Other Comprehensive Income | Unrealized Losses on Debt Securities Transferred from Available-for-Sale to Held-to-Maturity
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest and dividends on investment securities	(1,498)	(1,726)	(2,245)
Income before taxes	(1,498)	(1,726)	(2,245)
Tax expense (benefit)	368	452	598
Net income	(1,130)	(1,274)	(1,647)
Reclassification out of Accumulated Other Comprehensive Income | Accumulated Defined Benefit Plans Adjustment, Net Gain (Loss) Attributable to Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Recognized net actuarial loss	0	(526)	(783)
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Gain (Loss) Due to Settlement	0	(8,157)	0
Reclassification out of Accumulated Other Comprehensive Income | Defined Benefit Pension Plan
Accumulated Other Comprehensive Income (Loss) [Line Items]
Income before taxes	0	(8,683)	(783)
Tax expense (benefit)	0	2,212	199
Net income	$ 0	$ (6,471)	$ (584)

DERIVATIVES - Narrative (Detail

DERIVATIVES - Narrative (Details)	Dec. 31, 2024 USD ($) derivative
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Estimated Fair Value | $	$ 0
Number of designated hedges in a qualifying hedging relationship | derivative	0

DERIVATIVES - Derivatives (Deta

DERIVATIVES - Derivatives (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Derivative [Line Items]
Notional Amount	$ 25,737,000	$ 28,358,000
Estimated Fair Value	0
Interest rate swap agreements | Not Designated as Hedging Instrument
Derivative [Line Items]
Notional Amount	558,898,000	495,750,000
Estimated Fair Value	$ 0	$ 0
Years to Maturity	4 years 4 months 24 days	5 years 6 months
Receive Rate	5.25%	5.65%
Pay Rate	5.25%	5.65%
Pay fixed/receive variable swaps | Not Designated as Hedging Instrument
Derivative [Line Items]
Notional Amount	$ 279,449,000	$ 247,875,000
Estimated Fair Value	$ 15,364,000	$ 15,867,000
Years to Maturity	4 years 4 months 24 days
Receive Rate	6.47%	7.29%
Pay Rate	4.03%	4.01%
Pay variable/receive fixed swaps | Not Designated as Hedging Instrument
Derivative [Line Items]
Notional Amount	$ 279,449,000	$ 247,875,000
Estimated Fair Value	$ (15,364,000)	$ (15,867,000)
Years to Maturity	4 years 4 months 24 days	5 years 6 months
Receive Rate	4.03%	4.01%
Pay Rate	6.47%	7.29%

DERIVATIVES - Fair Value by Bal

DERIVATIVES - Fair Value by Balance Sheet Location (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Derivatives, Fair Value [Line Items]
Notional	$ 25,737	$ 28,358
Interest Rate Lock Commitments
Derivatives, Fair Value [Line Items]
Notional	11,237	16,608
Forward TBA Contracts
Derivatives, Fair Value [Line Items]
Notional	14,500	11,750
Not Designated as Hedging Instrument | Other Assets
Derivatives, Fair Value [Line Items]
Asset	269	358
Not Designated as Hedging Instrument | Other Liabilities
Derivatives, Fair Value [Line Items]
Liability	0	102
Not Designated as Hedging Instrument | Interest Rate Lock Commitments | Other Assets
Derivatives, Fair Value [Line Items]
Asset	177	358
Not Designated as Hedging Instrument | Interest Rate Lock Commitments | Other Liabilities
Derivatives, Fair Value [Line Items]
Liability	0	0
Not Designated as Hedging Instrument | Forward TBA Contracts | Other Assets
Derivatives, Fair Value [Line Items]
Asset	92	0
Not Designated as Hedging Instrument | Forward TBA Contracts | Other Liabilities
Derivatives, Fair Value [Line Items]
Liability	$ 0	$ 102

DERIVATIVES - Income Statement

DERIVATIVES - Income Statement Effect (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, gain (loss)	$ 12	$ (312)	$ (715)
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest and Dividend Income, Operating	Interest and Dividend Income, Operating	Interest and Dividend Income, Operating
Interest Rate Lock Commitments
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, gain (loss)	$ (182)	$ 49	$ (823)
Forward TBA Contracts
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, gain (loss)	$ 194	$ (361)	$ 108

FINANCIAL INSTRUMENTS WITH OF_3

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK - Summary Of Financial Instruments With Off-Balance Sheet Credit Risk (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Total commitments to extend credit and available credit lines	$ 3,384,469	$ 3,780,018
Commercial real estate development and construction
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Total commitments to extend credit and available credit lines	336,837	572,540
Residential real estate-development and construction
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Total commitments to extend credit and available credit lines	610,428	713,903
Real estate-residential mortgage
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Total commitments to extend credit and available credit lines	11,237	16,608
Lines of credit, principally home equity and business lines
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Total commitments to extend credit and available credit lines	2,330,736	2,405,150
Standby letters of credit
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Total commitments to extend credit and available credit lines	$ 95,231	$ 71,817

FINANCIAL INSTRUMENTS WITH OF_4

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Condensed Financial Information Disclosure [Abstract]
Reserve for unfunded commitments	$ 1.3	$ 4.4

FAIR VALUE - Financial Assets a

FAIR VALUE - Financial Assets and Liabilities Accounted for or Disclosed at Fair Value (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	$ 1,140,783	$ 1,102,681
Residential mortgage loans held for sale
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Mortgage loans outstanding principal	16,600	10,500
U.S. treasuries and government agencies
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	82,314	96,927
State and municipal
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	234,934	268,214
Mortgage-backed and asset-backed
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	823,535	737,540
Fair Value, Measurements, Recurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	1,140,783	1,102,681
Total assets	1,178,901	1,129,384
Total liabilities	(15,361)	(15,867)
Fair Value, Measurements, Recurring | Residential mortgage loans held for sale
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Residential mortgage loans held for sale	22,757	10,836
Fair Value, Measurements, Recurring | U.S. treasuries and government agencies
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	82,314	96,927
Fair Value, Measurements, Recurring | State and municipal
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	234,934	268,214
Fair Value, Measurements, Recurring | Mortgage-backed and asset-backed
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	823,535	737,540
Fair Value, Measurements, Recurring | Interest rate swap agreements
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Interest rate swap agreements	15,361	15,867
Interest rate swap agreements	(15,361)	(15,867)
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	0	0
Total assets	0	0
Total liabilities	0	0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Residential mortgage loans held for sale
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Residential mortgage loans held for sale	0	0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. treasuries and government agencies
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	0	0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | State and municipal
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	0	0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage-backed and asset-backed
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	0	0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Interest rate swap agreements
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Interest rate swap agreements	0	0
Interest rate swap agreements	0	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	1,140,783	1,102,681
Total assets	1,178,901	1,129,384
Total liabilities	(15,361)	(15,867)
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Residential mortgage loans held for sale
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Residential mortgage loans held for sale	22,757	10,836
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | U.S. treasuries and government agencies
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	82,314	96,927
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | State and municipal
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	234,934	268,214
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Mortgage-backed and asset-backed
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	823,535	737,540
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Interest rate swap agreements
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Interest rate swap agreements	15,361	15,867
Interest rate swap agreements	(15,361)	(15,867)
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	0	0
Total assets	0	0
Total liabilities	0	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Residential mortgage loans held for sale
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Residential mortgage loans held for sale	0	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | U.S. treasuries and government agencies
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	0	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | State and municipal
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	0	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Mortgage-backed and asset-backed
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale debt securities	0	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Interest rate swap agreements
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Interest rate swap agreements	0	0
Interest rate swap agreements	$ 0	$ 0

FAIR VALUE - Assets Measured at

FAIR VALUE - Assets Measured at Fair Value on Nonrecurring Basis (Detail) - Fair Value, Nonrecurring - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	$ 3,265	$ 0
Total Losses	0	0
Loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	0
Total Losses	0	0
Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	3,265	0
Total Losses	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	0
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	0
Significant Other Observable Inputs (Level 2) | Loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	0
Significant Other Observable Inputs (Level 2) | Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	0
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	3,265	0
Significant Unobservable Inputs (Level 3) | Loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	0
Significant Unobservable Inputs (Level 3) | Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	$ 3,265	$ 0

FAIR VALUE - Narrative (Detail)

FAIR VALUE - Narrative (Detail) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Balance of loans individually evaluated for credit loss	$ 117	$ 88.2
Fair value disclosure	79.4	64.2
Allowance related to loans evaluated individually	$ 37.5	$ 24

FAIR VALUE - Carrying Amounts a

FAIR VALUE - Carrying Amounts and Fair Values of Company's Financial Instruments (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financial assets:
Available-for-sale debt securities	$ 1,140,783	$ 1,102,681
Held-to-maturity debt securities	177,854	200,411
Loans, net of allowance	11,403,565	11,246,124
Accrued interest receivable	45,627	46,583
Financial liabilities:
Time deposits	2,580,578
Other deposits	11,745,665	10,996,538
Advances from FHLB	250,000	550,000
Subordinated debt	371,400	370,803
Carrying Amount
Financial assets:
Cash and cash equivalents	518,963	545,898
Loans held for sale		10,836
Available-for-sale debt securities	1,140,783	1,102,681
Held-to-maturity debt securities	215,747	236,165
Other investments	61,714	75,607
Loans, net of allowance	11,403,565	11,246,124
Interest rate swap agreements	15,361	15,867
Accrued interest receivable	45,627	46,583
Bank owned life insurance	167,343	158,921
Financial liabilities:
Time deposits	2,580,578	2,714,555
Other deposits	9,165,087	8,281,983
Securities sold under retail repurchase agreements and federal funds purchased	68,911	375,032
Advances from FHLB	250,000	550,000
Subordinated debt	371,400	370,803
Interest rate swap agreements	15,361	15,867
Accrued interest payable	16,569	30,367
Carrying Amount | Residential mortgage loans held for sale
Financial assets:
Loans held for sale	22,757
Carrying Amount | SBA loans held for sale
Financial assets:
Loans held for sale	715
Estimated Fair Value
Financial assets:
Cash and cash equivalents	518,963	545,898
Loans held for sale		10,836
Available-for-sale debt securities	1,140,783	1,102,681
Held-to-maturity debt securities	177,854	200,411
Other investments	61,714	75,607
Loans, net of allowance	10,685,700	10,476,059
Interest rate swap agreements	15,361	15,867
Accrued interest receivable	45,627	46,583
Bank owned life insurance	167,343	158,921
Financial liabilities:
Time deposits	2,578,132	2,704,013
Other deposits	9,165,087	8,281,983
Securities sold under retail repurchase agreements and federal funds purchased	68,911	375,032
Advances from FHLB	248,749	547,271
Subordinated debt	395,176	348,185
Interest rate swap agreements	15,361	15,867
Accrued interest payable	16,569	30,367
Estimated Fair Value | Residential mortgage loans held for sale
Financial assets:
Loans held for sale	22,757
Estimated Fair Value | SBA loans held for sale
Financial assets:
Loans held for sale	763
Quoted Prices in Active Markets for Identical Assets (Level 1) | Estimated Fair Value
Financial assets:
Cash and cash equivalents	518,963	545,898
Loans held for sale		0
Available-for-sale debt securities	0	0
Held-to-maturity debt securities	0	0
Other investments	0	0
Loans, net of allowance	0	0
Interest rate swap agreements	0	0
Accrued interest receivable	45,627	46,583
Bank owned life insurance	0	0
Financial liabilities:
Time deposits	0	0
Other deposits	9,165,087	8,281,983
Securities sold under retail repurchase agreements and federal funds purchased	0	0
Advances from FHLB	0	0
Subordinated debt	0	0
Interest rate swap agreements	0	0
Accrued interest payable	16,569	30,367
Quoted Prices in Active Markets for Identical Assets (Level 1) | Estimated Fair Value | Residential mortgage loans held for sale
Financial assets:
Loans held for sale	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Estimated Fair Value | SBA loans held for sale
Financial assets:
Loans held for sale	0
Significant Other Observable Inputs (Level 2) | Estimated Fair Value
Financial assets:
Cash and cash equivalents	0	0
Loans held for sale		10,836
Available-for-sale debt securities	1,140,783	1,102,681
Held-to-maturity debt securities	177,854	200,411
Other investments	61,714	75,607
Loans, net of allowance	0	0
Interest rate swap agreements	15,361	15,867
Accrued interest receivable	0	0
Bank owned life insurance	167,343	158,921
Financial liabilities:
Time deposits	2,578,132	2,704,013
Other deposits	0	0
Securities sold under retail repurchase agreements and federal funds purchased	68,911	375,032
Advances from FHLB	248,749	547,271
Subordinated debt	0	0
Interest rate swap agreements	15,361	15,867
Accrued interest payable	0	0
Significant Other Observable Inputs (Level 2) | Estimated Fair Value | Residential mortgage loans held for sale
Financial assets:
Loans held for sale	22,757
Significant Other Observable Inputs (Level 2) | Estimated Fair Value | SBA loans held for sale
Financial assets:
Loans held for sale	763
Significant Unobservable Inputs (Level 3) | Estimated Fair Value
Financial assets:
Cash and cash equivalents	0	0
Loans held for sale		0
Available-for-sale debt securities	0	0
Held-to-maturity debt securities	0	0
Other investments	0	0
Loans, net of allowance	10,685,700	10,476,059
Interest rate swap agreements	0	0
Accrued interest receivable	0	0
Bank owned life insurance	0	0
Financial liabilities:
Time deposits	0	0
Other deposits	0	0
Securities sold under retail repurchase agreements and federal funds purchased	0	0
Advances from FHLB	0	0
Subordinated debt	395,176	348,185
Interest rate swap agreements	0	0
Accrued interest payable	0	$ 0
Significant Unobservable Inputs (Level 3) | Estimated Fair Value | Residential mortgage loans held for sale
Financial assets:
Loans held for sale	0
Significant Unobservable Inputs (Level 3) | Estimated Fair Value | SBA loans held for sale
Financial assets:
Loans held for sale	$ 0

PARENT COMPANY FINANCIAL INFO_3

PARENT COMPANY FINANCIAL INFORMATION - Statements of Condition (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Assets
Cash and cash equivalents	$ 518,963	$ 545,898
Goodwill	309,045	363,436	$ 363,436
Other assets	318,553	313,051
Total assets	14,127,480	14,028,172
Liabilities
Subordinated debt	371,400	370,803
Accrued expenses and other liabilities	133,493	147,657
Total liabilities	12,569,469	12,440,030
Stockholders’ Equity:
Common stock	45,140	44,914
Additional paid-in capital	748,905	742,243
Retained earnings	856,613	898,316
Accumulated other comprehensive loss	(92,647)	(97,331)
Total stockholders' equity	1,558,011	1,588,142	$ 1,483,768	$ 1,519,679
Total liabilities and stockholders' equity	14,127,480	14,028,172
Parent Company
Assets
Cash and cash equivalents	99,664	125,165
Other investments	568	568
Investment in subsidiary	1,828,350	1,831,553
Goodwill	1,292	1,292
Other assets	3,095	3,451
Total assets	1,932,969	1,962,029
Liabilities
Subordinated debt	371,400	370,803
Accrued expenses and other liabilities	3,557	3,084
Total liabilities	374,957	373,887
Stockholders’ Equity:
Common stock	45,140	44,914
Additional paid-in capital	748,905	742,243
Retained earnings	856,613	898,316
Accumulated other comprehensive loss	(92,647)	(97,331)
Total stockholders' equity	1,558,011	1,588,142
Total liabilities and stockholders' equity	$ 1,932,969	$ 1,962,029

PARENT COMPANY FINANCIAL INFO_4

PARENT COMPANY FINANCIAL INFORMATION - Statements of Income (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income:
Other income	$ 5,588	$ 4,713	$ 4,687
Expenses:
Income tax expense (benefit)	29,026	41,291	56,059
Net income	19,935	122,844	166,299
Parent Company
Income:
Cash dividends from subsidiary	47,430	113,770	65,410
Other income	5,699	3,204	494
Total income	53,129	116,974	65,904
Expenses:
Interest	16,455	15,785	14,055
Other expenses	2,595	2,941	1,750
Total interest expense	19,050	18,726	15,805
Income before income tax expense	34,079	98,248	50,099
Income tax expense (benefit)	(2,785)	(3,226)	(3,175)
Income before equity in undistributed income of subsidiary	36,864	101,474	53,274
Equity in undistributed income of subsidiary	(16,929)	21,370	113,025
Net income	$ 19,935	$ 122,844	$ 166,299

PARENT COMPANY FINANCIAL INFO_5

PARENT COMPANY FINANCIAL INFORMATION - Statements of Cash Flows (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Cash Flows from Operating Activities:
Net income	$ 19,935	$ 122,844	$ 166,299
Adjustments to reconcile net income to net cash provided by operating activities:
Share based compensation expense	9,044	7,631	7,887
Other-net	(513)	1,630	(3,710)
Net cash provided by operating activities	83,711	137,815	216,322
Cash Flows from Investing Activities:
Net cash provided by/ (used in) investing activities	(190,314)	178,938	(1,619,196)
Cash Flows from Financing Activities:
Proceeds from issuance of subordinated debt	0	0	200,000
Proceeds from issuance of common stock	1,359	2,417	2,192
Stock tendered for payment of withholding taxes	(3,513)	(1,821)	(2,353)
Repurchase of common stock	0	0	(24,987)
Dividends paid	(61,638)	(61,159)	(61,368)
Net cash provided by financing activities	79,668	36,913	1,175,086
Net increase/ (decrease) in cash and cash equivalents	(26,935)	353,666	(227,788)
Cash and cash equivalents at beginning of year	545,898	192,232	420,020
Cash and cash equivalents at end of year	518,963	545,898	192,232
Parent Company
Cash Flows from Operating Activities:
Net income	19,935	122,844	166,299
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed income-subsidiary	16,929	(21,370)	(113,025)
Share based compensation expense	9,044	7,631	7,887
Other-net	(7,617)	(7,300)	(9,760)
Net cash provided by operating activities	38,291	101,805	51,401
Cash Flows from Investing Activities:
Investment in subsidiary	0	0	(150,000)
Net cash provided by/ (used in) investing activities	0	0	(150,000)
Cash Flows from Financing Activities:
Proceeds from issuance of subordinated debt	0	0	200,000
Proceeds from issuance of common stock	1,359	2,417	2,192
Stock tendered for payment of withholding taxes	(3,513)	(1,821)	(2,353)
Repurchase of common stock	0	0	(24,987)
Dividends paid	(61,638)	(61,159)	(61,368)
Net cash provided by financing activities	(63,792)	(60,563)	113,484
Net increase/ (decrease) in cash and cash equivalents	(25,501)	41,242	14,885
Cash and cash equivalents at beginning of year	125,165	83,923	69,038
Cash and cash equivalents at end of year	$ 99,664	$ 125,165	$ 83,923

REGULATORY MATTERS - Schedule o

REGULATORY MATTERS - Schedule of Actual Capital Amounts and Ratios (Detail) $ in Thousands	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Company
Tier 1 Leverage:
Actual Amount, Tier One Leverage Capital	$ 1,317,776	$ 1,303,684
Actual Ratio, Tier One Leverage Capital	0.0939	0.0951
For Capital Adequacy Purposes Amount, Tier One Leverage Capital	$ 561,204	$ 548,345
For Capital Adequacy Purposes Ratio, Tier One Leverage Capital	0.0400	0.0400
Common Equity Tier 1 Capital to risk-weighted assets:
Actual Amount, Common Equity Tier 1 Capital	$ 1,317,776	$ 1,303,684
Actual Ratio, Common Equity Tier 1 Capital	0.1136	0.1090
For Capital Adequacy Purposes Amount, Common Equity Tier 1 Capital	$ 522,147	$ 538,445
For Capital Adequacy Purposes Ratio, Common Equity Tier 1 Capital	0.0450	0.0450
Tier 1 Capital to risk-weighted assets:
Actual Amount, Tier One Risk Based Capital	$ 1,317,776	$ 1,303,684
Actual Ratio, Tier One Risk Based Capital	0.1136	0.1090
For Capital Adequacy Purposes Amount, Tier One Risk Based Capital	$ 696,196	$ 717,926
For Capital Adequacy Purposes Ratio, Tier One Risk Based Capital	0.0600	0.0600
Total Capital to risk-weighted assets:
Actual Amount, Capital	$ 1,784,263	$ 1,785,347
Actual Ratio, Capital	0.1538	0.1492
For Capital Adequacy Purposes Amount, Capital	$ 928,262	$ 957,235
For Capital Adequacy Purposes Ratio, Capital	0.0800	0.0800
Sandy Spring Bank
Tier 1 Leverage:
Actual Amount, Tier One Leverage Capital	$ 1,589,407	$ 1,548,387
Actual Ratio, Tier One Leverage Capital	0.1133	0.1130
For Capital Adequacy Purposes Amount, Tier One Leverage Capital	$ 561,077	$ 548,198
For Capital Adequacy Purposes Ratio, Tier One Leverage Capital	0.0400	0.0400
To Be Well Capitalized Under Prompt Corrective Action Provisions Amount, Tier One Leverage Capital	$ 701,347	$ 685,247
To Be Well Capitalized Under Prompt Action Provisions Ratio, Tier One Leverage Capital	0.0500	0.0500
Common Equity Tier 1 Capital to risk-weighted assets:
Actual Amount, Common Equity Tier 1 Capital	$ 1,589,407	$ 1,548,387
Actual Ratio, Common Equity Tier 1 Capital	0.1370	0.1295
For Capital Adequacy Purposes Amount, Common Equity Tier 1 Capital	$ 521,980	$ 538,227
For Capital Adequacy Purposes Ratio, Common Equity Tier 1 Capital	0.0450	0.0450
To Be Well Capitalized Under Prompt Corrective Action Provisions Amount, Common Equity Tier 1 Capital	$ 753,971	$ 777,440
To Be Well Capitalized Under Prompt Action Provisions Ratio, Common Equity Tier 1 Capital	6.50%	6.50%
Tier 1 Capital to risk-weighted assets:
Actual Amount, Tier One Risk Based Capital	$ 1,589,407	$ 1,548,387
Actual Ratio, Tier One Risk Based Capital	0.1370	0.1295
For Capital Adequacy Purposes Amount, Tier One Risk Based Capital	$ 695,973	$ 717,637
For Capital Adequacy Purposes Ratio, Tier One Risk Based Capital	0.0600	0.0600
To Be Well Capitalized Under Prompt Corrective Action Provisions Amount, Tier One Risk Based Capital	$ 927,964	$ 956,849
To Be Well Capitalized Under Prompt Action Provisions Ratio, Tier One Risk Based Capital	0.0800	0.0800
Total Capital to risk-weighted assets:
Actual Amount, Capital	$ 1,715,894	$ 1,655,050
Actual Ratio, Capital	0.1479	0.1384
For Capital Adequacy Purposes Amount, Capital	$ 927,964	$ 956,849
For Capital Adequacy Purposes Ratio, Capital	0.0800	0.0800
To Be Well Capitalized Under Prompt Corrective Action Provisions Amount, Capital	$ 1,159,956	$ 1,196,061
To Be Well Capitalized Under Prompt Action Provisions Ratio, Capital	0.1000	0.1000