United Community Banks (UCB) 10-Q 3 Nov 23 2023 Q3 Quarterly report Financial data

Cover

Cover - shares	9 Months Ended
	Sep. 30, 2023	Oct. 31, 2023
Entity Listings [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2023
Document Transition Report	false
Entity File Number	001-35095
Entity Registrant Name	UNITED COMMUNITY BANKS, INC.
Entity Incorporation, State or Country Code	GA
Entity Tax Identification Number	58-1807304
Entity Address, Address Line One	125 Highway 515 East
Entity Address, City or Town	Blairsville
Entity Address, State or Province	GA
Entity Address, Postal Zip Code	30512
City Area Code	706
Local Phone Number	781-2265
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		118,979,851
Entity Central Index Key	0000857855
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q3
Amendment Flag	false
Common stock, par value $1 per share
Entity Listings [Line Items]
Title of 12(b) Security	Common stock, par value $1 per share
Trading Symbol	UCBI
Security Exchange Name	NASDAQ
Depositary shares, each representing 1/1000th interest in a share of Series I Non-Cumulative Preferred Stock
Entity Listings [Line Items]
Title of 12(b) Security	Depositary shares, each representing 1/1000th interest in a share of Series I Non-Cumulative Preferred Stock
Trading Symbol	UCBIO
Security Exchange Name	NASDAQ

Consolidated Balance Sheets (Un

Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 192,726	$ 195,771
Interest-bearing deposits in banks	566,779	316,082
Federal funds and other short-term investments	0	135,000
Cash and cash equivalents	759,505	646,853
Debt securities available-for-sale	3,182,112	3,614,333
Debt securities held-to-maturity (fair value $1,992,364 and $2,191,073, respectively)	2,518,773	2,613,648
Loans held for sale	37,110	13,600
Loans and leases held for investment	18,202,807	15,334,627
Less allowance for credit losses - loans and leases	(201,557)	(159,357)
Loans and leases, net	18,001,250	15,175,270
Premises and equipment, net	371,435	298,456
Bank owned life insurance	344,647	299,297
Goodwill and other intangible assets, net	994,142	779,248
Other assets	660,233	568,179
Total assets	26,869,207	24,008,884
Deposits:
Noninterest-bearing demand	6,782,031	7,643,081
Interest-bearing deposits	16,075,837	12,233,426
Total deposits	22,857,868	19,876,507
Short-term borrowings	37,348	158,933
Federal Home Loan Bank advances	0	550,000
Long-term debt	324,786	324,663
Accrued expenses and other liabilities	465,381	398,107
Total liabilities	23,685,383	21,308,210
Shareholders' equity:
Preferred stock, $1 par value: 10,000,000 shares authorized; 3,745 and 4,000 shares Series I issued and outstanding, respectively; $25,000 per share liquidation preference	90,283	96,422
Common stock, $1 par value: 200,000,000 shares authorized, 118,975,652 and 106,222,758 shares issued and outstanding, respectively	118,976	106,223
Common stock issuable: 608,646 and 607,128 shares, respectively	12,782	12,307
Capital surplus	2,697,671	2,306,366
Retained earnings	596,617	508,844
Accumulated other comprehensive loss	(332,505)	(329,488)
Total shareholders' equity	3,183,824	2,700,674
Total liabilities and shareholders' equity	$ 26,869,207	$ 24,008,884

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Unaudited) (Parenthetical) - USD ($)	Sep. 30, 2023	Dec. 31, 2022
Statement of Financial Position [Abstract]
HTM debt securities	$ 1,992,364,000	$ 2,191,073,000
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock authorized (in shares)	10,000,000	10,000,000
Preferred stock issued (in shares)	3,745	4,000
Preferred stock outstanding (in shares)	3,745	4,000
Preferred stock liquidation preference (in dollars per share)	$ 25,000	$ 25,000
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock authorized (in shares)	200,000,000	200,000,000
Common stock issued (in shares)	118,975,652	106,222,758
Common stock outstanding (in shares)	118,975,652	106,222,758
Common stock issuable (in shares)	608,646	607,128

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Interest revenue:
Loans, including fees	$ 273,781	$ 174,065	$ 760,696	$ 476,072
Investment securities, including tax exempt of $1,722, $2,568, $5,563 and $7,762, respectively	44,729	36,953	125,775	91,043
Deposits in banks and short-term investments	4,637	2,869	11,938	5,209
Total interest revenue	323,147	213,887	898,409	572,324
Interest expense:
Deposits	116,733	9,880	263,811	17,313
Short-term borrowings	189	27	3,186	27
Federal Home Loan Bank advances	0	0	5,761	0
Long-term debt	3,669	4,206	11,339	12,515
Total interest expense	120,591	14,113	284,097	29,855
Net interest revenue	202,556	199,774	614,312	542,469
Provision for credit losses	30,268	15,392	74,804	44,082
Net interest revenue after provision for credit losses	172,288	184,382	539,508	498,387
Noninterest income:
Wealth management fees	6,451	5,879	17,775	17,759
Gains from sales of other loans, net	2,688	2,228	6,909	9,226
Lending and loan servicing fees	2,985	2,946	9,979	7,518
Securities losses, net	0	0	(1,644)	(3,688)
Other	3,379	5,003	19,499	15,474
Total noninterest income	31,977	31,922	98,573	104,353
Total revenue	204,265	216,304	638,081	602,740
Noninterest expenses:
Salaries and employee benefits	81,173	67,823	236,121	208,062
Communications and equipment	10,902	8,795	31,654	27,718
Occupancy	10,941	9,138	31,024	27,381
Advertising and public relations	2,251	2,544	6,914	6,332
Postage, printing and supplies	2,386	2,190	7,305	6,308
Professional fees	7,006	4,821	19,670	14,670
Lending and loan servicing expense	2,697	2,333	7,546	7,746
Outside services - electronic banking	2,561	3,159	8,646	8,629
FDIC assessments and other regulatory charges	4,314	2,356	12,457	6,796
Amortization of intangibles	4,171	1,678	11,120	5,207
Merger-related and other charges	9,168	1,746	21,444	17,905
Other	6,904	6,172	22,785	16,066
Total noninterest expenses	144,474	112,755	416,686	352,820
Income before income taxes	59,791	103,549	221,395	249,920
Income tax expense	11,925	22,388	47,941	53,898
Net income	47,866	81,161	173,454	196,022
Net income available to common shareholders, basic	46,775	79,035	168,245	189,858
Net income available to common shareholders, diluted	$ 46,775	$ 79,035	$ 168,245	$ 189,858
Net income per common share:
Basic (in dollars per share)	$ 0.39	$ 0.74	$ 1.44	$ 1.78
Diluted (in dollars per share)	$ 0.39	$ 0.74	$ 1.44	$ 1.78
Weighted average common shares outstanding:
Basic (in shares)	119,506	106,687	116,925	106,616
Diluted (in shares)	119,624	106,800	117,084	106,732
Service charges and fees
Noninterest income:
Service charges and other related fees	$ 10,315	$ 9,569	$ 28,791	$ 28,644
Mortgage loan gains and other related fees
Noninterest income:
Service charges and other related fees	$ 6,159	$ 6,297	$ 17,264	$ 29,420

Consolidated Statements of In_2

Consolidated Statements of Income (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Income Statement [Abstract]
Investment securities, tax exempt	$ 1,722	$ 2,568	$ 5,563	$ 7,762

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Statement of Comprehensive Income [Abstract]
Net income, Before-tax Amount	$ 59,791	$ 103,549	$ 221,395	$ 249,920
Net income, Tax (Expense) Benefit	(11,925)	(22,388)	(47,941)	(53,898)
Net income	47,866	81,161	173,454	196,022
Unrealized losses on available-for-sale securities:
Unrealized holding losses, Before-tax Amount	(38,209)	(104,754)	(14,683)	(429,607)
Unrealized holding losses, Tax (Expense) Benefit	8,900	24,495	3,398	101,269
Unrealized holding losses, Net of Tax Amount	(29,309)	(80,259)	(11,285)	(328,338)
Reclassification of securities from available-for-sale to held-to-maturity, Before-tax Amount		0		87,444
Reclassification of securities from available-for-sale to held-to-maturity, Tax (Expense) Benefit		0		(20,770)
Reclassification of securities from available-for-sale to held-to-maturity, Net of Tax Amount		0		66,674
Reclassification adjustment for losses included in net income, Before-tax Amount	0	0	1,644	3,688
Reclassification adjustment for losses included in net income, Tax (Expense) Benefit	0	0	(374)	(979)
Reclassification adjustment for losses included in net income, Net of Tax Amount	0	0	1,270	2,709
Net unrealized losses, Before-tax Amount	(38,209)	(104,754)	(13,039)	(338,475)
Net unrealized losses, Tax (Expense) Benefit	8,900	24,495	3,024	79,520
Net unrealized losses, Net of Tax Amount	(29,309)	(80,259)	(10,015)	(258,955)
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale, Before-tax amount	2,478		7,964
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale, Tax (Expense) Benefit	(593)		(1,917)
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale, Net of Tax Amount	1,885		6,047
Unrealized losses on held-to-maturity securities transferred from available-for-sale:
Reclassification of unrealized losses, Before-tax Amount		0		(87,444)
Reclassification of unrealized losses, Tax (Expense) Benefit		0		20,770
Reclassification of unrealized losses, Net of Tax Amount		0		(66,674)
Amortization of unrealized losses, Before-tax Amount		4,473		6,242
Amortization of unrealized losses, Tax (Expense) Benefit		(1,073)		(1,495)
Amortization of unrealized losses, Net of Tax Amount		3,400		4,747
Net activity, Before-tax Amount		4,473		(81,202)
Net activity, Tax (Expense) Benefit		(1,073)		19,275
Net activity, Net of Tax Amount		3,400		(61,927)
Derivative instruments designated as cash flow hedges:
Unrealized holding gains on derivatives, Before-tax Amount	1,091	5,034	3,192	12,914
Unrealized holding gains on derivatives, Tax (Expense) Benefit	(279)	(1,286)	(815)	(3,299)
Unrealized holding gains on derivatives, Net of Tax Amount	812	3,748	2,377	9,615
Gains (Losses) on derivative instruments realized in net income, Before-tax Amount	(42)	48	(2,098)	295
Gains (Losses) on derivative instruments realized in net income, Tax (Expense) Benefit	11	(12)	536	(75)
Gains (Losses) on derivative instruments realized in net income, Net of Tax Amount	(31)	36	(1,562)	220
Net cash flow hedge activity, Before-tax Amount	1,049	5,082	1,094	13,209
Net cash flow hedge activity, Tax (Expense) Benefit	(268)	(1,298)	(279)	(3,374)
Net cash flow hedge activity, Net of tax Amount	781	3,784	815	9,835
Amortization of defined benefit pension plan net periodic pension cost components, Before-tax Amount	61	169	183	510
Amortization of defined benefit pension plan net periodic pension cost components, Tax (Expense) Benefit	(16)	(43)	(47)	(130)
Amortization of defined benefit pension plan net periodic pension cost components, Net of Tax Amount	45	126	136	380
Total other comprehensive loss, Before-tax Amount	(34,621)	(95,030)	(3,798)	(405,958)
Total other comprehensive loss, Tax (Expense) Benefit	8,023	22,081	781	95,291
Total other comprehensive loss, Net of Tax Amount	(26,598)	(72,949)	(3,017)	(310,667)
Comprehensive income (loss), Before-tax Amount	25,170	8,519	217,597	(156,038)
Comprehensive income (loss), Tax (Expense) Benefit	(3,902)	(307)	(47,160)	41,393
Comprehensive income (loss), Net of Tax Amount	$ 21,268	$ 8,212	$ 170,437	$ (114,645)

Consolidated Statement of Chang

Consolidated Statement of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Total	Common Stock	Preferred Stock	Common Stock Issuable	Capital Surplus	Retained Earnings	Accumulated Other Comprehensive Income (Loss)
Beginning balance (in shares) at Dec. 31, 2021		89,349,826
Beginning balance at Dec. 31, 2021	$ 2,222,245	$ 89,350	$ 96,422	$ 11,288	$ 1,721,007	$ 330,654	$ (26,476)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	196,022					196,022
Other comprehensive loss	(310,667)						(310,667)
Impact of acquisitions (in shares)		16,571,545
Impact of acquisitions	596,376	$ 16,571			579,805
Preferred stock dividends	(5,157)					(5,157)
Common stock dividends	(68,731)					(68,731)
Impact of equity-based compensation awards (in shares)		175,843
Impact of equity-based compensation awards	4,904	$ 176		1,843	2,885
Impact of other United sponsored equity plans (in shares)		65,647
Impact of other United sponsored equity plans	(282)	$ 66		(1,165)	817
Ending balance (in shares) at Sep. 30, 2022		106,162,861
Ending balance at Sep. 30, 2022	2,634,710	$ 106,163	96,422	11,966	2,304,514	452,788	(337,143)
Beginning balance (in shares) at Jun. 30, 2022		106,033,960
Beginning balance at Jun. 30, 2022	2,651,288	$ 106,034	96,422	11,448	2,304,608	396,970	(264,194)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	81,161					81,161
Other comprehensive loss	(72,949)						(72,949)
Preferred stock dividends	(1,719)					(1,719)
Common stock dividends	(23,624)					(23,624)
Impact of equity-based compensation awards (in shares)		126,400
Impact of equity-based compensation awards	347	$ 126		389	(168)
Impact of other United sponsored equity plans (in shares)		2,501
Impact of other United sponsored equity plans	206	$ 3		129	74
Ending balance (in shares) at Sep. 30, 2022		106,162,861
Ending balance at Sep. 30, 2022	$ 2,634,710	$ 106,163	96,422	11,966	2,304,514	452,788	(337,143)
Beginning balance (in shares) at Dec. 31, 2022	106,222,758	106,222,758
Beginning balance at Dec. 31, 2022	$ 2,700,674	$ 106,223	96,422	12,307	2,306,366	508,844	(329,488)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	173,454					173,454
Other comprehensive loss	(3,017)						(3,017)
Impact of acquisitions (in shares)		12,279,135
Impact of acquisitions	394,140	$ 12,279			381,861
Preferred stock dividends	(5,062)					(5,062)
Common stock dividends	(81,411)					(81,411)
Purchases of preferred stock (in shares)
Purchases of preferred stock	(5,312)		(6,139)		35	792
Impact of equity-based compensation awards (in shares)		430,002
Impact of equity-based compensation awards	10,248	$ 430		1,034	8,784
Impact of other United sponsored equity plans (in shares)		43,757
Impact of other United sponsored equity plans	$ 110	$ 44		(559)	625
Ending balance (in shares) at Sep. 30, 2023	118,975,652	118,975,652
Ending balance at Sep. 30, 2023	$ 3,183,824	$ 118,976	90,283	12,782	2,697,671	596,617	(332,505)
Beginning balance (in shares) at Jun. 30, 2023		115,265,912
Beginning balance at Jun. 30, 2023	3,105,591	$ 115,266	96,165	12,228	2,610,523	577,316	(305,907)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	47,866					47,866
Other comprehensive loss	(26,598)						(26,598)
Impact of acquisitions (in shares)		3,508,604
Impact of acquisitions	87,679	$ 3,508			84,171
Preferred stock dividends	(1,624)					(1,624)
Common stock dividends	(27,733)					(27,733)
Purchases of preferred stock	(5,090)		(5,882)			792
Impact of equity-based compensation awards (in shares)		197,700
Impact of equity-based compensation awards	3,504	$ 198		411	2,895
Impact of other United sponsored equity plans (in shares)		3,436
Impact of other United sponsored equity plans	$ 229	$ 4		143	82
Ending balance (in shares) at Sep. 30, 2023	118,975,652	118,975,652
Ending balance at Sep. 30, 2023	$ 3,183,824	$ 118,976	$ 90,283	$ 12,782	$ 2,697,671	$ 596,617	$ (332,505)

Consolidated Statement of Cha_2

Consolidated Statement of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Statement of Stockholders' Equity [Abstract]
Common stock dividends (in dollars per share)	$ 0.23	$ 0.22	$ 0.69	$ 0.64

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Operating activities:
Net income	$ 173,454	$ 196,022
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net	34,027	34,707
Provision for credit losses	74,804	44,082
Stock based compensation	7,093	6,649
Deferred income tax expense	14,645	6,063
Securities losses, net	1,644	3,688
Gains from sales of other loans	(6,909)	(9,226)
Changes in assets and liabilities:
Other assets	(16,935)	(2,072)
Accrued expenses and other liabilities	11,796	92,084
Loans held for sale	(21,423)	136,405
Net cash provided by operating activities	272,196	508,402
Debt securities held-to-maturity:
Proceeds from maturities and calls	100,396	140,253
Purchases	0	(326,494)
Debt securities available-for-sale:
Proceeds from sales	595,234	281,521
Proceeds from maturities and calls	421,924	493,848
Purchases	(295,054)	(1,665,466)
Net increase in loans	(875,223)	(772,740)
Equity investments, outflows	(134,439)	(29,685)
Equity investments, inflows	124,056	17,336
Proceeds from sales of premises and equipment	2,529	4,846
Purchases of premises and equipment	(59,157)	(26,300)
Net cash received in acquisition	207,566	35,243
Net cash paid for whole branch disposal	(93,613)	0
Other investing inflows	3,413	3,997
Net cash used in investing activities	(2,368)	(1,843,641)
Financing activities:
Net increase (decrease) in deposits	886,440	(423,750)
Net decrease in short-term borrowings	(310,267)	0
Proceeds from FHLB advances	2,225,000	0
Repayment of FHLB advances	(2,870,000)	0
Cash dividends on common stock	(77,352)	(63,256)
Cash dividends on preferred stock	(5,062)	(5,157)
Other financing inflows	5,405	560
Other financing outflows	(11,340)	(7,648)
Net cash used in financing activities	(157,176)	(499,251)
Net change in cash and cash equivalents	112,652	(1,834,490)
Cash and cash equivalents, beginning of period	646,853	2,318,510
Cash and cash equivalents, end of period	$ 759,505	$ 484,020

Basis of Presentation and Updat

Basis of Presentation and Updates to Significant Accounting Policies	9 Months Ended
	Sep. 30, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation and Updates to Significant Accounting Policies	Basis of Presentation and Updates to Significant Accounting Policies Basis of Presentation United’s accounting and financial reporting policies conform to GAAP and reporting guidelines of banking regulatory authorities. The accompanying interim consolidated financial statements have not been audited. All material intercompany balances and transactions have been eliminated. A more detailed description of United’s accounting policies is included in its 2022 10-K. In management’s opinion, all accounting adjustments necessary to accurately reflect the financial position and results of operations on the accompanying financial statements have been made. These adjustments are normal and recurring accruals considered necessary for a fair and accurate presentation. The results for interim periods are not necessarily indicative of results for the full year or any other interim periods. The accompanying unaudited consolidated financial statements should be read in conjunction with the consolidated financial statements and related notes appearing in United’s 2022 10-K. Updates to Significant Accounting Policies Effective January 1, 2023, United adopted ASU 2022-02, which updated the guidance on modifications to financing receivables by effectively replacing the concept of troubled debt restructurings with a new concept, loan modifications to borrowers experiencing financial difficulty. See Note 2 for further detail. Below summarizes the policy surrounding FDMs. FDMs: A loan for which the terms have been modified as a result of the borrower experiencing financial difficulty is generally considered to be a FDM. Modified terms that result in a FDM include one or a combination of the following: a reduction of the stated interest rate of the loan, an extension of the term or amortization period, a more than insignificant payment delay or principal forgiveness. The ACL on FDMs is calculated using the same method as other loans held for investment.

Accounting Standards Updates an

Accounting Standards Updates and Recently Adopted Standards	9 Months Ended
	Sep. 30, 2023
Accounting Changes and Error Corrections [Abstract]
Accounting Standards Updates and Recently Adopted Standards	Accounting Standards Updates and Recently Adopted Standards Recently Adopted Standards In October 2021, the FASB issued ASU No. 2021-08, Business Combinations (Topic 805): Accounting for Contract Assets and Contract Liabilities from contracts with Customers . The update requires that an acquiring entity apply the guidance from Revenue from Contracts with Customers (Topic 606) to recognize and measure contract assets and contract liabilities in a business combination, rather than fair value. Adoption of this update as of January 1, 2023 did not have a material impact on the consolidated financial statements. In March 2022, the FASB issued ASU No. 2022-01, Derivatives and Hedging (Topic 815): Fair Value Hedging - Portfolio Layer Method . The update expands the current last-of-layer method to a portfolio layer method which allows multiple hedged layers of a single closed portfolio and non-prepayable financial assets. In addition, the update specifies that eligible hedging instruments may include spot-starting or forward-starting swaps and that the number of hedged layers corresponds with the number of hedges designated. Finally, the update provides additional guidance on the accounting for and disclosure of hedge basis adjustments. Adoption of this update as of January 1, 2023 did not have a material impact on the consolidated financial statements. In March 2022, the FASB issued ASU No. 2022-02, Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures . The update eliminates the previous accounting guidance for TDRs by creditors, while enhancing disclosure requirements for certain loan refinancings and restructurings when a borrower is experiencing financial difficulty. The update also requires that an entity disclose current-period gross charge-offs by year of origination. United adopted this update using a modified retrospective transition method as of January 1, 2023. The quantitative impact of adoption related to the CECL calculation for FDMs was not material; thus, no corresponding cumulative effect adjustment to retained earnings was recorded. Recently Issued Standards In March 2023, the FASB issued ASU No 2023-02, Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method . The update broadens the application of the proportional amortization method to tax equity investments other than LIHTC, providing certain conditions are met. The election to apply the proportional amortization method must be made on a tax-credit-program by tax-credit-program basis rather than at the reporting entity level or to individual investments. The update also requires certain disclosures related to those investments for which the proportional amortization method has been applied. For public entities, this guidance is effective for fiscal years beginning after December 15, 2023. United does not expect the new guidance to have a material impact on its consolidated financial statements. In August 2023, the FASB issued ASU No 2023-05, Business Combinations - Joint Venture Formations (Subtopic 805-60): Recognition and Initial Measurement . The update addresses the accounting for contributions made to a joint venture, upon formation, in a joint venture’s separate financial statements. Specifically, a joint venture must apply a new basis of accounting upon formation and will initially measure its assets and liabilities at fair value. This guidance is effective prospectively for all joint venture formations dated on or after January 1, 2025. United does not expect the new guidance to have a material impact on its consolidated financial statements. In October 2023, the FASB issued ASU No 2023-06, Disclosure Improvements - Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative . The update clarifies or improves disclosure and presentation requirements for a variety of topics, including cash flows from derivative instruments, methods used in the diluted earnings per share computation and weighted-average interest rates on short term borrowings, This guidance is effective prospectively from the date on which the SEC’s removal of that related disclosure from Regulation S-X or Regulation S-K becomes effective. United does not expect the new guidance to have a material impact on its consolidated financial statements.

Supplemental Cash Flow Informat

Supplemental Cash Flow Information	9 Months Ended
	Sep. 30, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Supplemental Cash Flow Information	Supplemental Cash Flow Information The supplemental schedule of significant non-cash investing and financing activities for the nine months ended September 30, 2023 and 2022 is as follows (in thousands) . Nine Months Ended September 30, 2023 2022 Significant non-cash investing and financing transactions: Commitments to fund equity investments $ 16,410 $ — Transfers of AFS securities to HTM securities — 1,288,982 Acquisitions: Assets acquired 2,922,243 3,254,173 Liabilities assumed 2,527,654 2,657,173 Net assets acquired 394,589 597,000 Common stock issued and options converted 394,140 596,376

Acquisitions

Acquisitions	9 Months Ended
	Sep. 30, 2023
Business Combination and Asset Acquisition [Abstract]
Acquisitions	Acquisitions Acquisition of First Miami On July 1, 2023, United acquired all of the outstanding common stock of First Miami in a stock transaction. First Miami operated three branches in the Miami metropolitan area, which facilitated United’s expansion within that market. United’s operating results for the three and nine months ended September 30, 2023 include the operating results of the acquired business for the period subsequent to the acquisition date of July 1, 2023. The purchased assets and assumed liabilities were recorded at their acquisition date fair values and are summarized in the table below (dollars in thousands) . First Miami Fair Value Recorded by United (1) July 1, 2023 Assets Cash and cash equivalents $ 150,467 Debt securities 216,703 Loans held for investment 577,183 Premises and equipment 11,905 Core deposit intangible 17,950 Other assets 20,909 Total assets acquired 995,117 Liabilities Deposits 865,387 Short-term borrowings 47,664 Other liabilities 17,581 Total liabilities assumed 930,632 Total identifiable net assets 64,485 Consideration transferred Cash 2 Common stock issued (3,508,604 shares) 87,679 Total fair value of consideration transferred 87,681 Goodwill $ 23,196 (1) Fair values are preliminary and are subject to refinement for a period not to exceed one year after the closing date of an acquisition as information relative to closing date fair values becomes available. Goodwill represents the intangible value of First Miami’s business and reputation within the markets it served and is not expected to be deductible for income tax purposes. The First Miami core deposit intangible will be amortized over its expected useful life of 10 years using the sum-of-the-years-digits method. The following table presents additional information related to the acquired First Miami loan portfolio at the acquisition date (in thousands) . July 1, 2023 PCD Loans Par value $ 94,902 ACL at acquisition (3,717) Non-credit discount (6,607) Purchase price $ 84,578 Non- PCD: Fair value $ 492,605 Gross contractual amounts receivable 622,181 Estimate of contractual cash flows not expected to be collected 7,012 Acquisition of Progress On January 3, 2023, United acquired all of the outstanding common stock of Progress in a stock transaction. Progress operated 13 offices primarily located in Alabama and the Florida Panhandle, which facilitated United’s growth into those markets. United’s operating results for the three and nine months ended September 30, 2023 include the operating results of the acquired business for the period subsequent to the acquisition date of January 3, 2023. The purchased assets and assumed liabilities were recorded at their acquisition date fair values and are summarized in the table below (dollars in thousands) . Progress Fair Value Recorded by United (1) January 3, 2023 Assets Cash and cash equivalents $ 57,548 Debt securities 111,006 Loans held for sale 2,087 Loans held for investment 1,442,959 Premises and equipment 21,118 Bank-owned life insurance 40,723 Core deposit intangible 39,980 Other assets 42,965 Total assets acquired 1,758,386 Liabilities Deposits 1,334,476 Short-term borrowings 141,017 Federal Home Loan Bank advances 95,000 Other liabilities 26,529 Total liabilities assumed 1,597,022 Total identifiable net assets 161,364 Consideration transferred Cash 447 Common stock issued (8,770,531 shares) 296,444 Options converted 10,017 Total fair value of consideration transferred 306,908 Goodwill $ 145,544 (1) Fair values are preliminary and are subject to refinement for a period not to exceed one year after the closing date of an acquisition as information relative to closing date fair values becomes available. Goodwill represents the intangible value of Progress’ business and reputation within the markets it served and is not expected to be deductible for income tax purposes. The Progress core deposit intangible will be amortized over its expected useful life of 10 years using the sum-of-the-years-digits method. The following table presents additional information related to the acquired Progress loan portfolio at the acquisition date (in thousands). January 3, 2023 PCD loans: Par value $ 64,913 ACL at acquisition (2,704) Non-credit discount (150) Purchase price $ 62,059 Non-PCD loans: Fair value $ 1,380,900 Gross contractual amounts receivable 1,626,243 Estimate of contractual cash flows not expected to be collected 9,287 Pro forma information The following table discloses the impact of the First Miami and Progress acquisitions since their respective dates of acquisition. The table also presents certain pro forma information as if First Miami and Progress had been acquired on January 1, 2022 and Reliant had been acquired on January 1, 2021. These results combine the historical results of the acquired entities with United’s consolidated statement of income. Adjustments were made for the estimated impact of certain fair value adjustments and other acquisition-related activity; however pro forma financial results presented are not necessarily indicative of what would have occurred had the acquisitions taken place in earlier years. Merger-related costs related to the First Miami acquisition for the three and nine months ended September 30, 2023 of $6.53 million and $6.91 million, respectively, have been excluded from the pro forma information for those periods presented below and included in the three and nine months ended September 30, 2022 pro forma information. Merger-related costs related to the Progress acquisition for the three and nine months ended September 30, 2023 of $182,000 and $9.96 million, respectively, have been excluded from the pro forma information for those periods presented below and included in the three and nine months ended September 30, 2022 pro forma information. Merger-related costs related to the Reliant acquisition for the three and nine months ended September 30, 2022 of $760,000 and $14.8 million, respectively, have been excluded from the pro forma information presented below. The actual results and pro forma information were as follows (in thousands) : Three Months Ended Nine Months Ended Revenue Net Income Revenue Net Income 2023 Actual Progress results included in statement of income since acquisition date $ 16,934 $ 7,569 $ 41,555 $ 12,667 Actual First Miami results included in statement of income since acquisition date 3,488 (3,330) 3,488 (3,330) Supplemental consolidated pro forma as if Progress and First Miami had been acquired January 1, 2022 207,523 55,538 667,155 197,929 2022 Actual Reliant results included in statement of income since acquisition date $ 29,618 $ 16,516 $ 72,685 $ 32,931 Supplemental consolidated pro forma as if Progress and First Miami had been acquired January 1, 2022 and Reliant had been acquired January 1, 2021 $ 246,612 $ 83,642 $ 691,694 $ 215,264

Investment Securities

Investment Securities	9 Months Ended
	Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Investment Securities	Investment Securities The amortized cost basis, unrealized gains and losses and fair value of HTM debt securities as of the dates indicated are as follows (in thousands) . Amortized Gross Unrealized Gross Unrealized Fair As of September 30, 2023 U.S. Treasuries $ 19,857 $ — $ 2,591 $ 17,266 U.S. Government agencies & GSEs 98,989 — 21,216 77,773 State and political subdivisions 294,187 4 71,485 222,706 Residential MBS, Agency & GSEs 1,407,762 — 277,747 1,130,015 Commercial MBS, Agency & GSEs 682,978 — 150,248 532,730 Supranational entities 15,000 — 3,126 11,874 Total $ 2,518,773 $ 4 $ 526,413 $ 1,992,364 As of December 31, 2022 U.S. Treasuries $ 19,834 $ — $ 2,417 $ 17,417 U.S. Government agencies & GSEs 99,679 — 18,169 81,510 State and political subdivisions 295,945 56 64,340 231,661 Residential MBS, Agency & GSEs 1,488,028 35 223,566 1,264,497 Commercial MBS, Agency & GSEs 695,162 — 111,586 583,576 Supranational entities $ 15,000 $ — $ 2,588 $ 12,412 Total $ 2,613,648 $ 91 $ 422,666 $ 2,191,073 The amortized cost basis, unrealized gains and losses, and fair value of AFS debt securities as of the dates indicated are presented below (in thousands) . During the second quarter of 2023, United entered into fair value hedges on stated amounts of a closed portfolio of AFS debt securities using the portfolio layer method, which is further explained in Note 7. Amortized Gross Unrealized Gross Unrealized Fair As of September 30, 2023 U.S. Treasuries $ 297,943 $ 25 $ 14,138 $ 283,830 U.S. Government agencies & GSEs 242,642 255 18,202 224,695 State and political subdivisions 183,261 — 27,016 156,245 Residential MBS, Agency & GSEs 1,408,719 16 185,026 1,223,709 Residential MBS, Non-agency 352,872 — 30,159 322,713 Commercial MBS, Agency & GSEs 666,283 — 90,653 575,630 Commercial MBS, Non-agency 27,633 — 1,203 26,430 Corporate bonds 218,584 84 23,863 194,805 Asset-backed securities 177,876 1 3,822 174,055 Total 3,575,813 381 394,082 3,182,112 As of December 31, 2022 U.S. Treasuries $ 163,972 $ — $ 14,620 $ 149,352 U.S. Government agencies & GSEs 266,347 463 16,694 250,116 State and political subdivisions 329,723 151 26,126 303,748 Residential MBS, Agency & GSEs 1,609,442 13 160,636 1,448,819 Residential MBS, Non-agency 374,535 — 27,873 346,662 Commercial MBS, Agency & GSEs 720,282 471 79,407 641,346 Commercial MBS, Non-agency 31,624 — 1,058 30,566 Corporate bonds 236,181 34 23,763 212,452 Asset-backed securities 239,220 — 7,948 231,272 Total $ 3,971,326 $ 1,132 $ 358,125 $ 3,614,333 Securities with a carrying value of $4.17 billion and $2.53 billion were pledged, primarily to secure public deposits and provide contingent liquidity through the Bank Term Funding Program at the Federal Reserve Bank, at September 30, 2023 and December 31, 2022, respectively. The following table summarizes HTM debt securities in an unrealized loss position as of the dates indicated ( in thousands) . Less than 12 Months 12 Months or More Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized As of September 30, 2023 U.S. Treasuries $ — $ — $ 17,266 $ 2,591 $ 17,266 $ 2,591 U.S. Government agencies & GSEs — — 77,773 21,216 77,773 21,216 State and political subdivisions 18,580 660 203,422 70,825 222,002 71,485 Residential MBS, Agency & GSEs 1,763 44 1,128,250 277,703 1,130,013 277,747 Commercial MBS, Agency & GSEs 6,019 655 526,711 149,593 532,730 150,248 Supranational entities — — 11,874 3,126 11,874 3,126 Total unrealized loss position $ 26,362 $ 1,359 $ 1,965,296 $ 525,054 $ 1,991,658 $ 526,413 As of December 31, 2022 U.S. Treasuries $ 17,417 $ 2,417 $ — $ — $ 17,417 $ 2,417 U.S. Government agencies & GSEs 10,687 1,813 70,823 16,356 81,510 18,169 State and political subdivisions 104,243 20,639 117,115 43,701 221,358 64,340 Residential MBS, Agency & GSEs 296,673 38,289 965,785 185,277 1,262,458 223,566 Commercial MBS, Agency & GSEs 176,848 24,497 406,728 87,089 583,576 111,586 Supranational entities 12,412 2,588 — — 12,412 2,588 Total unrealized loss position $ 618,280 $ 90,243 $ 1,560,451 $ 332,423 $ 2,178,731 $ 422,666 The following table summarizes AFS debt securities in an unrealized loss position as of the dates indicated (in thousands) . Less than 12 Months 12 Months or More Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized As of September 30, 2023 U.S. Treasuries $ 24,860 $ 3 $ 100,267 $ 14,135 $ 125,127 $ 14,138 U.S. Government agencies & GSEs 33,990 155 163,009 18,047 196,999 18,202 State and political subdivisions 764 5 155,480 27,011 156,244 27,016 Residential MBS, Agency & GSEs 51,018 669 1,166,396 184,357 1,217,414 185,026 Residential MBS, Non-agency — — 322,713 30,159 322,713 30,159 Commercial MBS, Agency & GSEs 63,198 2,876 512,431 87,777 575,629 90,653 Commercial MBS, Non-agency — — 26,430 1,203 26,430 1,203 Corporate bonds 4,277 351 187,132 23,512 191,409 23,863 Asset-backed securities 8,766 45 161,689 3,777 170,455 3,822 Total unrealized loss position $ 186,873 $ 4,104 $ 2,795,547 $ 389,978 $ 2,982,420 $ 394,082 As of December 31, 2022 U.S. Treasuries $ 49,259 $ 724 $ 100,093 $ 13,896 $ 149,352 $ 14,620 U.S. Government agencies & GSEs 93,015 2,124 108,093 14,570 201,108 16,694 State and political subdivisions 207,749 9,906 62,606 16,220 270,355 26,126 Residential MBS, Agency & GSEs 1,049,648 102,852 392,288 57,784 1,441,936 160,636 Residential MBS, Non-agency 338,399 27,095 8,263 778 346,662 27,873 Commercial MBS, Agency & GSEs 288,787 17,304 332,088 62,103 620,875 79,407 Commercial MBS, Non-agency 30,566 1,058 — — 30,566 1,058 Corporate bonds 83,010 7,776 127,603 15,987 210,613 23,763 Asset-backed securities 97,705 2,664 133,567 5,284 231,272 7,948 Total unrealized loss position $ 2,238,138 $ 171,503 $ 1,264,601 $ 186,622 $ 3,502,739 $ 358,125 At September 30, 2023, there were 672 AFS debt securities and 331 HTM debt securities that were in an unrealized loss position. United does not intend to sell nor does it believe it will be required to sell securities in an unrealized loss position prior to the recovery of their amortized cost basis. Unrealized losses at September 30, 2023 were primarily attributable to changes in interest rates. At September 30, 2023 and December 31, 2022, estimated credit losses and, thus, the related ACL on HTM debt securities were de minimis due to the high credit quality of the portfolio, which included securities issued or guaranteed by U.S. Government agencies, GSEs, high credit quality municipalities and supranational entities. As a result, no ACL was recorded on the HTM portfolio at September 30, 2023 or December 31, 2022. In addition, based on the assessments performed at September 30, 2023 and December 31, 2022, there was no ACL required related to the AFS portfolio. The following table presents accrued interest receivable for the periods indicated on HTM and AFS debt securities (in thousands) , which was excluded from the estimate of credit losses. Accrued Interest Receivable September 30, 2023 December 31, 2022 HTM $ 6,040 $ 7,234 AFS 10,983 15,281 The amortized cost and fair value of AFS and HTM debt securities at September 30, 2023, by contractual maturity, are presented in the following table (in thousands) . Expected maturities may differ from contractual maturities because issuers and borrowers may have the right to call or prepay obligations. AFS HTM Amortized Cost Fair Value Amortized Cost Fair Value Within 1 year: U.S. Treasuries $ 183,791 $ 183,807 $ — $ — U.S. Government agencies & GSEs 284 280 — — State and political subdivisions 2,019 1,969 1,200 1,198 Corporate bonds 9,601 9,316 — — 195,695 195,372 1,200 1,198 1 to 5 years: U.S. Treasuries 114,152 100,023 19,857 17,266 U.S. Government agencies & GSEs 39,182 35,445 — — State and political subdivisions 26,560 23,998 28,316 25,992 Corporate bonds 155,080 139,674 — — 334,974 299,140 48,173 43,258 5 to 10 years: U.S. Government agencies & GSEs 66,994 57,698 72,566 58,057 State and political subdivisions 49,741 39,977 42,809 34,348 Corporate bonds 53,099 44,945 — — Supranational entities — — 15,000 11,874 169,834 142,620 130,375 104,279 More than 10 years: U.S. Government agencies & GSEs 136,182 131,272 26,423 19,716 State and political subdivisions 104,941 90,301 221,862 161,168 Corporate bonds 804 870 — — 241,927 222,443 248,285 180,884 Debt securities not due at a single maturity date: Asset-backed securities 177,876 174,055 — — Residential MBS 1,761,591 1,546,422 1,407,762 1,130,015 Commercial MBS 693,916 602,060 682,978 532,730 2,633,383 2,322,537 2,090,740 1,662,745 Total $ 3,575,813 $ 3,182,112 $ 2,518,773 $ 1,992,364 Realized gains and losses are derived using the specific identification method for determining the cost of securities sold. The following table summarizes AFS securities sales activity for the three and nine months ended September 30, 2023 and 2022 (in thousands). Three Months Ended Nine Months Ended 2023 2022 2023 2022 Proceeds from sales $ 214,573 $ — $ 595,234 $ 281,521 Gross realized gains $ — $ — $ 1,373 $ 1,009 Gross realized losses — — (3,017) (4,697) Securities gains (losses), net $ — $ — $ (1,644) $ (3,688) Income tax expense (benefit) attributable to sales $ — $ — $ (374) $ (979) Investment securities sold in the third quarter of 2023 were those received through the First Miami acquisition. The securities were sold within a few days of the acquisition date and therefore resulted in no gain or loss as the sales price confirmed the value on the acquisition date.

Loans and Leases and Allowance

Loans and Leases and Allowance for Credit Losses	9 Months Ended
	Sep. 30, 2023
Receivables [Abstract]
Loans and Leases and Allowance for Credit Losses	Loans and Leases and Allowance for Credit Losses Major classifications of the loan and lease portfolio (collectively referred to as the “loan portfolio” or “loans”) are summarized as of the dates indicated as follows (in thousands) . September 30, 2023 December 31, 2022 Owner occupied commercial real estate $ 3,278,582 $ 2,734,666 Income producing commercial real estate 4,130,099 3,261,626 Commercial & industrial 2,504,330 2,252,322 Commercial construction 1,849,507 1,597,848 Equipment financing 1,534,352 1,374,251 Total commercial 13,296,870 11,220,713 Residential mortgage 3,043,120 2,355,061 Home equity 940,729 850,269 Residential construction 398,765 442,553 Manufactured housing 343,219 316,741 Consumer 180,104 149,290 Total loans 18,202,807 15,334,627 Less allowance for credit losses - loans (201,557) (159,357) Loans, net $ 18,001,250 $ 15,175,270 Accrued interest receivable related to loans totaled $63.1 million and $52.0 million at September 30, 2023 and December 31, 2022, respectively, and was reported in other assets on the consolidated balance sheets. Accrued interest receivable was excluded from the estimate of credit losses. At September 30, 2023 and December 31, 2022, the loan portfolio was subject to blanket pledges on certain qualifying loan types with the FHLB and FRB to secure contingent funding sources. The following table presents the amortized cost of certain loans held for investment that were sold in the periods indicated (in thousands). The gains on these loan sales were included in noninterest income on the consolidated statements of income. Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Guaranteed portion of SBA/USDA loans $ 26,381 $ 20,405 $ 70,223 $ 87,867 Equipment financing receivables 37,671 21,557 76,945 65,534 Total $ 64,052 $ 41,962 $ 147,168 $ 153,401 At September 30, 2023 and December 31, 2022, equipment financing receivables included leases of $65.7 million and $46.0 million, respectively. The components of the net investment in leases, which included both sales-type and direct financing, are presented below (in thousands) . September 30, 2023 December 31, 2022 Minimum future lease payments receivable $ 71,773 $ 49,723 Estimated residual value of leased equipment 3,971 2,804 Initial direct costs 1,349 767 Security deposits (418) (429) Unearned income (10,997) (6,877) Net investment in leases $ 65,678 $ 45,988 Minimum future lease payments expected to be received from equipment financing lease contracts as of September 30, 2023 were as follows (in thousands) : Year Remainder of 2023 $ 6,138 2024 22,773 2025 18,549 2026 13,320 2027 8,589 Thereafter 2,404 Total $ 71,773 Nonaccrual and Past Due Loans The following table presents the aging of the amortized cost basis in loans by aging category and accrual status as of the dates indicated (in thousands) . Past due status is based on contractual terms of the loan. The accrual of interest is generally discontinued when a loan becomes 90 days past due. Accruing Current Loans Loans Past Due 30 - 59 Days 60 - 89 Days > 90 Days Nonaccrual Loans Total Loans As of September 30, 2023 Owner occupied commercial real estate $ 3,271,847 $ 1,303 $ 298 $ — $ 5,134 $ 3,278,582 Income producing commercial real estate 4,099,376 409 59 — 30,255 4,130,099 Commercial & industrial 2,485,006 5,575 367 — 13,382 2,504,330 Commercial construction 1,848,362 80 — — 1,065 1,849,507 Equipment financing 1,517,824 4,068 3,254 — 9,206 1,534,352 Total commercial 13,222,415 11,435 3,978 — 59,042 13,296,870 Residential mortgage 3,026,653 3,995 579 — 11,893 3,043,120 Home equity 934,376 1,285 1,057 2 4,009 940,729 Residential construction 394,566 2,125 — — 2,074 398,765 Manufactured housing 317,831 10,388 2,289 — 12,711 343,219 Consumer 179,314 498 203 — 89 180,104 Total loans $ 18,075,155 $ 29,726 $ 8,106 $ 2 $ 89,818 $ 18,202,807 As of December 31, 2022 Owner occupied commercial real estate $ 2,731,574 $ 1,522 $ 1,047 $ — $ 523 $ 2,734,666 Income producing commercial real estate 3,257,232 468 41 — 3,885 3,261,626 Commercial & industrial 2,234,284 3,288 274 6 14,470 2,252,322 Commercial construction 1,597,268 447 — — 133 1,597,848 Equipment financing 1,362,622 4,285 1,906 — 5,438 1,374,251 Total commercial 11,182,980 10,010 3,268 6 24,449 11,220,713 Residential mortgage 2,342,196 1,939 7 — 10,919 2,355,061 Home equity 844,888 2,709 784 — 1,888 850,269 Residential construction 441,673 20 455 — 405 442,553 Manufactured housing 302,386 6,913 924 — 6,518 316,741 Consumer 148,943 237 48 9 53 149,290 Total loans $ 15,263,066 $ 21,828 $ 5,486 $ 15 $ 44,232 $ 15,334,627 The following table presents nonaccrual loans held for investment by loan class for the periods indicated (in thousands) . Nonaccrual Loans September 30, 2023 December 31, 2022 With no allowance With an allowance Total With no allowance With an allowance Total Owner occupied commercial real estate $ 4,702 $ 432 $ 5,134 $ 276 $ 247 $ 523 Income producing commercial real estate 11,117 19,138 30,255 3,798 87 3,885 Commercial & industrial 11,448 1,934 13,382 13,917 553 14,470 Commercial construction 1,004 61 1,065 69 64 133 Equipment financing 19 9,187 9,206 85 5,353 5,438 Total commercial 28,290 30,752 59,042 18,145 6,304 24,449 Residential mortgage 2,222 9,671 11,893 2,159 8,760 10,919 Home equity 1,405 2,604 4,009 430 1,458 1,888 Residential construction 1,405 669 2,074 311 94 405 Manufactured housing — 12,711 12,711 — 6,518 6,518 Consumer 1 88 89 3 50 53 Total $ 33,323 $ 56,495 $ 89,818 $ 21,048 $ 23,184 $ 44,232 Risk Ratings United categorizes commercial loans, with the exception of equipment financing receivables, into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, public information, and current industry and economic trends, among other factors. United analyzes loans individually by classifying the loans as to credit risk. This analysis is performed on a continual basis. United uses the following definitions for its risk ratings: Pass. Loans in this category are considered to have a low probability of default and do not meet the criteria of the risk categories below. Special Mention. Loans in this category are presently protected from apparent loss; however, weaknesses exist that could cause future impairment, including the deterioration of financial ratios, past due status and questionable management capabilities. These loans require more than the ordinary amount of supervision. Collateral values generally afford adequate coverage, but may not be immediately marketable. Substandard. These loans are inadequately protected by the current net worth and paying capacity of the obligor or by the collateral pledged. Specific and well-defined weaknesses exist that may include poor liquidity and deterioration of financial ratios. The loan may be past due and related deposit accounts experiencing overdrafts. There is the distinct possibility that United will sustain some loss if deficiencies are not corrected. If possible, immediate corrective action is taken. Doubtful. Specific weaknesses characterized as Substandard that are severe enough to make collection in full highly questionable and improbable. There is no reliable secondary source of full repayment. Loss. Loans categorized as Loss have the same characteristics as Doubtful; however, probability of loss is certain. Loans classified as Loss are charged off. Equipment Financing Receivables and Consumer Purpose Loans. United applies a pass / fail grading system to all equipment financing receivables and consumer purpose loans. Under this system, loans that are on nonaccrual status, become past due 90 days, or are in bankruptcy and 30 or more days past due are classified as “fail” and all other loans are classified as “pass”. For reporting purposes, loans in these categories that are classified as “fail” are reported as substandard and all other loans are reported as pass. The following tables present the risk category of term loans and, for 2023, gross charge-offs by vintage year, which is the year of origination or most recent renewal, as of the date indicated (in thousands) . Term Loans by Origination Year Revolvers Revolvers converted to term loans Total As of September 30, 2023 2023 2022 2021 2020 2019 Prior Owner occupied commercial real estate Pass $ 548,702 $ 697,407 $ 648,517 $ 591,130 $ 212,522 $ 369,305 $ 108,956 $ 17,900 $ 3,194,439 Special Mention 2,739 5,515 4,189 5,859 9,722 3,045 — 256 31,325 Substandard 6,908 7,611 4,345 13,341 4,981 11,587 1,327 2,718 52,818 Total owner occupied commercial real estate $ 558,349 $ 710,533 $ 657,051 $ 610,330 $ 227,225 $ 383,937 $ 110,283 $ 20,874 $ 3,278,582 Current period gross charge-offs $ 207 $ — $ — $ 656 $ — $ — $ — $ — $ 863 Income producing commercial real estate Pass $ 480,148 $ 943,710 $ 798,023 $ 761,973 $ 306,892 $ 466,308 $ 56,787 $ 12,413 $ 3,826,254 Special Mention 42,427 37,350 19,078 26,535 35,108 9,627 — — 170,125 Substandard 37,236 20,604 8,061 20,766 17,418 29,579 — 56 133,720 Total income producing commercial real estate $ 559,811 $ 1,001,664 $ 825,162 $ 809,274 $ 359,418 $ 505,514 $ 56,787 $ 12,469 $ 4,130,099 Current period gross charge-offs $ 3,033 $ 2,534 $ — $ — $ — $ 2,291 $ — $ — $ 7,858 Commercial & industrial Pass $ 536,057 $ 475,831 $ 316,737 $ 141,890 $ 105,098 $ 172,251 $ 583,560 $ 14,397 $ 2,345,821 Special Mention 5,901 2,843 3,788 5,624 8,490 776 25,636 294 53,352 Substandard 18,786 5,802 25,867 6,583 4,265 2,060 39,830 1,964 105,157 Total commercial & industrial $ 560,744 $ 484,476 $ 346,392 $ 154,097 $ 117,853 $ 175,087 $ 649,026 $ 16,655 $ 2,504,330 Current period gross charge-offs $ 5,433 $ 1,551 $ 13,056 $ 2,379 $ 315 $ 41 $ — $ 1,578 $ 24,353 Commercial construction Pass $ 508,200 $ 668,556 $ 333,915 $ 177,196 $ 58,028 $ 29,494 $ 56,061 $ 899 $ 1,832,349 Special Mention 57 129 8 50 — — — — 244 Substandard 6,612 1,004 6,838 2,136 — 87 — 237 16,914 Total commercial construction $ 514,869 $ 669,689 $ 340,761 $ 179,382 $ 58,028 $ 29,581 $ 56,061 $ 1,136 $ 1,849,507 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Equipment financing Pass $ 557,422 $ 544,029 $ 266,554 $ 99,360 $ 51,089 $ 5,637 $ — $ — $ 1,524,091 Substandard 961 4,106 2,996 1,287 880 31 — — 10,261 Total equipment financing $ 558,383 $ 548,135 $ 269,550 $ 100,647 $ 51,969 $ 5,668 $ — $ — $ 1,534,352 Current period gross charge-offs $ 32 $ 6,840 $ 5,818 $ 1,244 $ 748 $ 312 $ — $ — $ 14,994 Residential mortgage Pass $ 652,060 $ 959,694 $ 746,217 $ 326,186 $ 86,697 $ 254,232 $ 402 $ 3,468 $ 3,028,956 Substandard 443 2,499 1,573 887 1,565 6,944 — 253 14,164 Total residential mortgage $ 652,503 $ 962,193 $ 747,790 $ 327,073 $ 88,262 $ 261,176 $ 402 $ 3,721 $ 3,043,120 Current period gross charge-offs $ — $ 23 $ — $ — $ — $ 38 $ — $ — $ 61 Home equity Pass $ — $ — $ — $ — $ — $ — $ 909,429 $ 27,059 $ 936,488 Substandard — — — — — — 38 4,203 4,241 Total home equity $ — $ — $ — $ — $ — $ — $ 909,467 $ 31,262 $ 940,729 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ 167 $ 167 Residential construction Pass $ 213,572 $ 138,093 $ 29,365 $ 5,527 $ 1,203 $ 6,435 $ — $ 94 $ 394,289 Substandard 2,639 1,163 425 7 18 224 — — 4,476 Total residential construction $ 216,211 $ 139,256 $ 29,790 $ 5,534 $ 1,221 $ 6,659 $ — $ 94 $ 398,765 Current period gross charge-offs $ — $ 1,111 $ — $ — $ — $ — $ — $ — $ 1,111 Manufactured housing Pass $ 45,600 $ 71,672 $ 50,298 $ 45,392 $ 32,324 $ 83,385 $ — $ — $ 328,671 Substandard 436 3,834 3,196 2,214 1,037 3,831 — — 14,548 Total consumer $ 46,036 $ 75,506 $ 53,494 $ 47,606 $ 33,361 $ 87,216 $ — $ — $ 343,219 Current period gross charge-offs $ 3 $ 1,097 $ 503 $ 300 $ 205 $ 337 $ — $ — $ 2,445 Consumer Pass $ 74,136 $ 46,324 $ 20,955 $ 11,624 $ 1,644 $ 1,013 $ 24,053 $ 175 $ 179,924 Substandard 20 64 56 23 — 17 — — 180 Total consumer $ 74,156 $ 46,388 $ 21,011 $ 11,647 $ 1,644 $ 1,030 $ 24,053 $ 175 $ 180,104 Current period gross charge-offs $ 2,472 $ 120 $ 229 $ 29 $ 14 $ 1 $ 1 $ 141 $ 3,007 Term Loans Revolvers Revolvers converted to term loans Total As of December 31, 2022 2022 2021 2020 2019 2018 Prior Pass Owner occupied commercial real estate $ 669,451 $ 671,395 $ 611,900 $ 204,990 $ 127,738 $ 253,890 $ 114,975 $ 5,779 $ 2,660,118 Income producing commercial real estate 812,804 753,936 733,946 248,259 171,108 255,485 50,026 9,953 3,035,517 Commercial & industrial 535,594 388,851 186,292 134,789 119,547 71,503 670,161 15,880 2,122,617 Commercial construction 732,147 391,963 256,087 78,778 11,977 19,973 70,819 1,433 1,563,177 Equipment financing 714,044 374,030 162,463 93,690 22,753 1,214 — — 1,368,194 Total commercial 3,464,040 2,580,175 1,950,688 760,506 453,123 602,065 905,981 33,045 10,749,623 Residential mortgage 894,960 742,821 329,762 91,300 55,785 223,846 8 3,133 2,341,615 Home equity — — — — — — 824,153 23,948 848,101 Residential construction 344,443 82,289 4,478 1,742 1,545 7,549 — 31 442,077 Manufactured housing 78,097 54,976 48,908 34,836 31,060 61,148 — — 309,025 Consumer 71,899 29,322 15,406 3,987 1,837 588 25,963 126 149,128 4,853,439 3,489,583 2,349,242 892,371 543,350 895,196 1,756,105 60,283 14,839,569 Special Mention Owner occupied commercial real estate 4,236 8,036 4,641 10,299 1,232 11,596 3,875 279 44,194 Income producing commercial real estate 41,423 1,137 44,802 32,821 21,647 50 805 — 142,685 Commercial & industrial 1,695 21,745 2,686 1,047 1,244 167 10,449 309 39,342 Commercial construction 850 33 1,640 13,237 4,891 28 — — 20,679 Equipment financing — — — — — — — — — Total commercial 48,204 30,951 53,769 57,404 29,014 11,841 15,129 588 246,900 Residential mortgage — — — — — — — — — Home equity — — — — — — — — — Residential construction — — — — — — — — — Manufactured housing — — — — — — — — — Consumer — — — — — — — — — 48,204 30,951 53,769 57,404 29,014 11,841 15,129 588 246,900 Substandard Owner occupied commercial real estate 9,835 77 2,873 4,490 1,204 8,055 209 3,611 30,354 Income producing commercial real estate 52,384 1,357 1,867 4,180 13,209 10,365 — 62 83,424 Commercial & industrial 10,431 19,477 3,880 4,557 11,019 1,189 39,333 477 90,363 Commercial construction 133 — 45 2 3,876 9,693 — 243 13,992 Equipment financing 1,625 2,160 1,303 705 236 28 — — 6,057 Total commercial 74,408 23,071 9,968 13,934 29,544 29,330 39,542 4,393 224,190 Residential mortgage 1,195 964 1,364 1,836 2,589 5,296 — 202 13,446 Home equity — — — — — — 93 2,075 2,168 Residential construction 32 268 — 20 3 153 — — 476 Manufactured housing 1,130 1,267 1,427 990 1,188 1,714 — — 7,716 Consumer 20 77 34 1 25 4 1 — 162 76,785 25,647 12,793 16,781 33,349 36,497 39,636 6,670 248,158 Total $ 4,978,428 $ 3,546,181 $ 2,415,804 $ 966,556 $ 605,713 $ 943,534 $ 1,810,870 $ 67,541 $ 15,334,627 Modifications to Borrowers Experiencing Financial Difficulty The period-end amortized cost of loans modified under the terms of a FDM during the nine months ended September 30, 2023 is presented in the following table (in thousands). New FDMs Post-Modification Amortized Cost by Type of Modification Extension Payment Delay Payment Delay & Extension Rate Reduction & Extension Total % of Total Class of Receivable Nine Months Ended September 30, 2023 Owner occupied commercial real estate $ 782 $ 276 $ — $ — $ 1,058 — % Income producing commercial real estate 38,139 — — 35,369 73,508 1.8 % Commercial & industrial 4,029 13,673 1,663 — 19,365 0.8 Commercial construction — 366 — — 366 — Equipment financing 15,888 — 1,763 — 17,651 1.2 Residential mortgage 57 — — 930 987 — Residential construction — — — 47 47 — Manufactured housing — — — 256 256 0.1 Total loans $ 58,895 $ 14,315 $ 3,426 $ 36,602 $ 113,238 0.6 Equipment financing FDMs typically consist of extensions and/or payment delays in which the borrower receives one or more three-month payment delays and/or extensions beyond the original maturity. For the remainder of extension FDMs occurring during the first nine months of 2023, the weighted average extension granted was approximately 13 months. Commercial and industrial payment delay FDMs include $2.86 million of loans in bankruptcy status. Excluding bankruptcy status loans, the remainder of FDMs in this category had a weighted average payment delay of approximately three months. Commercial and industrial payment delay and extension FDMs received a weighted average payment delay of approximately nine months and extensions of less than one year. During the nine months ended September 30, 2023, income producing commercial real estate FDMs categorized as rate reduction and extensions resulted in a decrease in weighted average interest rate of 158 basis points and extended the weighted average maturity by two years. Residential mortgage and manufactured housing FDMs resulted in a decrease in weighted average interest rate of 562 basis points and extended the weighted average maturity by 17.5 years. During the nine months ended September 30, 2023, there were $910,000 in equipment financing extension FDMs modified during 2023 that subsequently defaulted under modified loan terms. Allowance for Credit Losses The ACL for loans represents management’s estimate of life of loan credit losses in the portfolio as of the end of the period. The ACL related to unfunded commitments is included in other liabilities in the consolidated balance sheet. At both September 30, 2023 and December 31, 2022, United used a one-year reasonable and supportable forecast period. Expected credit losses were estimated using a regression model for each segment based on historical data from peer banks combined with a third party vendor’s baseline economic forecast to predict the change in credit losses. These estimates were then combined with a starting value that was based on United’s recent charge-off experience to produce an expected default rate, with the results subject to a floor. In the case of residential construction, commercial construction, income producing commercial real estate and multifamily loans (included in income producing commercial real estate), the expected default rate was adjusted by a model overlay based on expectations of future performance. For the third quarter of 2023, management applied qualitative factors to the model output for the residential mortgage and owner occupied commercial real estate portfolios to account for observable differences in national economic trends reflected in the economic forecast that are not being observed at the same level of severity within United’s geographic footprint. The following table presents the balance and activity in the ACL by portfolio segment for the periods indicated (in thousands) . Three Months Ended September 30, 2023 2022 Beginning Balance Initial ACL -PCD loans (1) Charge-Offs Recoveries (Release) Provision Ending Balance Beginning Balance Charge-Offs Recoveries (Release) Provision Ending Balance Owner occupied commercial real estate $ 21,788 $ 92 $ (656) $ 74 $ 2,686 $ 23,984 $ 16,774 $ — $ 90 $ 2,192 $ 19,056 Income producing commercial real estate 38,775 3,092 (3,044) 33 6,732 45,588 33,284 (202) 26 (1,498) 31,610 Commercial & industrial 29,856 533 (19,702) 2,160 18,370 31,217 18,267 (373) 1,117 1,907 20,918 Commercial construction 22,276 — — 49 (1,686) 20,639 16,062 — (10) 1,902 17,954 Equipment financing 28,604 — (7,215) 890 8,083 30,362 18,409 (1,987) 866 3,277 20,565 Residential mortgage 25,431 — (16) 145 1,324 26,884 17,035 — 66 2,234 19,335 Home equity 10,609 — (22) 2,806 (3,594) 9,799 7,487 (27) 129 884 8,473 Residential construction 3,446 — (474) 133 (231) 2,874 2,086 — 109 109 2,304 Manufactured housing 9,204 — (1,171) 3 1,342 9,378 6,614 (225) 5 958 7,352 Consumer 716 — (863) 232 747 832 907 (1,010) 292 746 935 ACL - loans 190,705 3,717 (33,163) 6,525 33,773 201,557 136,925 (3,824) 2,690 12,711 148,502 ACL - unfunded commitments 21,572 — — — (3,505) 18,067 16,117 — — 2,681 18,798 Total ACL $ 212,277 $ 3,717 $ (33,163) $ 6,525 $ 30,268 $ 219,624 $ 153,042 $ (3,824) $ 2,690 $ 15,392 $ 167,300 Nine Months Ended September 30, 2023 2022 Beginning Balance Initial ACL - PCD loans (1) Charge-Offs Recoveries (Release) Provision Ending Balance Beginning Initial ACL - PCD loans (2) Charge- Recoveries (Release) Ending Owner occupied commercial real estate $ 19,834 $ 273 $ (863) $ 396 $ 4,344 $ 23,984 $ 14,282 $ 266 $ — $ 1,631 $ 2,877 $ 19,056 Income producing commercial real estate 32,082 3,399 (7,858) 1,357 16,608 45,588 24,156 4,366 (202) 432 2,858 31,610 Commercial & industrial 23,504 1,891 (24,353) 3,840 26,335 31,217 16,592 2,337 (4,978) 3,095 3,872 20,918 Commercial construction 20,120 39 — 191 289 20,639 9,956 2,857 (41) 548 4,634 17,954 Equipment financing 23,395 — (14,994) 2,757 19,204 30,362 16,290 — (4,644) 2,349 6,570 20,565 Residential mortgage 20,809 157 (61) 320 5,659 26,884 12,390 385 (53) 267 6,346 19,335 Home equity 8,707 534 (167) 2,977 (2,252) 9,799 6,568 60 (36) 565 1,316 8,473 Residential construction 2,049 124 (1,111) 162 1,650 2,874 1,847 1 — 208 248 2,304 Manufactured housing 8,098 — (2,445) 29 3,696 9,378 — 2,438 (533) 14 5,433 7,352 Consumer 759 4 (3,007) 709 2,367 832 451 27 (2,544) 879 2,122 935 ACL - loans 159,357 6,421 (54,859) 12,738 77,900 201,557 102,532 12,737 (13,031) 9,988 36,276 148,502 ACL - unfunded commitments 21,163 — — — (3,096) 18,067 10,992 — — — 7,806 18,798 Total ACL $ 180,520 $ 6,421 $ (54,859) $ 12,738 $ 74,804 $ 219,624 $ 113,524 $ 12,737 $ (13,031) $ 9,988 $ 44,082 $ 167,300 (1) For the three months ended September 30, 2023, represents the initial ACL related to PCD loans acquired in the First Miami transaction. For the three and nine months ended September 30, 2023, represents the initial ACL related to PCD loans acquired in the First Miami and Progress transactions. (2) Represents the initial ACL related to PCD loans acquired in the Reliant transaction during the nine months ended September 30, 2022.

Derivatives and Hedging Activit

Derivatives and Hedging Activities	9 Months Ended
	Sep. 30, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivatives and Hedging Activities	Derivatives and Hedging Activities The table below presents the fair value of derivative financial instruments, which are included in other assets and other liabilities on the consolidated balance sheet, as of the dates indicated (in thousands) : September 30, 2023 December 31, 2022 Notional Amount Fair Value Notional Amount Fair Value Derivative Asset Derivative Liability Derivative Asset Derivative Liability Derivatives designated as hedging instruments: Cash flow hedge of subordinated debt $ 100,000 $ 16,632 $ — $ 100,000 $ 16,191 $ — Cash flow hedge of trust preferred securities 20,000 — — 20,000 — — Fair value hedge of AFS debt securities 666,286 — — — — — Total 786,286 16,632 — 120,000 16,191 — Derivatives not designated as hedging instruments: Customer derivative positions 1,158,829 89 103,620 1,097,578 341 86,358 Dealer offsets to customer derivative positions 1,158,691 35,370 83 1,097,578 22,393 274 Risk participations 85,442 — 4 88,586 15 1 Mortgage banking - loan commitment 61,864 1,031 — 19,685 394 — Mortgage banking - forward sales commitment 77,948 527 14 49,750 198 71 Bifurcated embedded derivatives 51,935 12,048 — 51,935 11,104 — Dealer offsets to bifurcated embedded derivatives 51,935 — 13,634 51,935 — 12,839 Total 2,646,644 49,065 117,355 2,457,047 34,445 99,543 Total derivatives $ 3,432,930 $ 65,697 $ 117,355 $ 2,577,047 $ 50,636 $ 99,543 Total gross derivative instruments $ 65,697 $ 117,355 $ 50,636 $ 99,543 Less: Amounts subject to master netting agreements (107) (107) (346) (346) Less: Cash collateral received/pledged (54,548) (14,179) (38,386) (13,089) Net amount $ 11,042 $ 103,069 $ 11,904 $ 86,108 United clears certain derivatives centrally through the CME. CME rules legally characterize variation margin payments for centrally cleared derivatives as settlements of the derivatives’ exposure rather than as collateral. As a result, the variation margin payment and the related derivative instruments are considered a single unit of account for accounting purposes. Variation margin, as determined by the CME, is settled daily. As a result, derivative contracts that clear through the CME have an estimated fair value of zero. Hedging Derivatives Cash Flow Hedges of Interest Rate Risk United enters into cash flow hedges to mitigate exposure to the variability of future cash flows or other forecasted transactions. As of September 30, 2023 and December 31, 2022, United utilized interest rate caps and swaps to hedge the variability of cash flows due to changes in interest rates on certain of its variable-rate subordinated debt and trust preferred securities. United considers these derivatives to be highly effective at achieving offsetting changes in cash flows attributable to changes in interest rates. Therefore, changes in the fair value of these derivative instruments are recognized in OCI. Gains and losses related to changes in fair value are reclassified into earnings in the periods the hedged forecasted transactions occur. Losses representing amortization of the premium recorded on cash flow hedges, which is a component excluded from the assessment of effectiveness, are recognized in earnings on a straight-line basis in the same caption as the hedged item over the term of the hedge. Over the next twelve months, United expects to reclassify $5.75 million of gains from AOCI into earnings related to these agreements. Fair Value Hedges of Interest Rate Risk United is exposed to changes in the fair value of certain of its fixed-rate investments and obligations due to changes in interest rates. United uses interest rate derivatives to manage its exposure to changes in fair value on these instruments attributable to changes in interest rates. For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in earnings. United includes the gain or loss on the hedged items in the same income statement line item as the offsetting loss or gain on the related derivatives. During the second quarter of 2023, United entered into fair value hedges on stated amounts of closed portfolios of AFS debt securities using the portfolio layer method. The table below presents the effect of derivatives in hedging relationships, all of which are interest rate contracts, on net interest income for the periods indicated (in thousands) . Affected Income Statement Line Item Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Fair value hedges: Brokered time deposits: Net income recognized Interest expense- deposits $ — $ — $ — $ 28 AFS securities: Recognized on derivative interest settlements $ 3,011 $ — $ 5,321 $ — Recognized on derivatives 9,139 — 23,028 — Recognized on hedged items (8,382) — (23,671) — Net income recognized Interest revenue- investment securities $ 3,768 $ — $ 4,678 $ — Cash flow hedges: Long-term debt (1) Interest expense- long term debt $ 42 $ (48) $ 2,098 $ (295) (1) Includes premium amortization expense excluded from the assessment of hedge effectiveness of $119,000 for both the three months ended September 30, 2023 and 2022, respectively, and $348,000 and $353,000 for the nine months ended September 30, 2023 and 2022, respectively. The table below presents the amortized cost of hedged AFS debt securities and cumulative fair value hedging basis adjustments for the periods presented (in thousands) . All fair value hedges of AFS debt securities at September 30, 2023 were designated under the the portfolio layer method. At September 30, 2023 , the aggregate designated hedged items using the portfolio layer method had a notional amount of $666 million. September 30, 2023 Balance Sheet Location Amortized Cost (1) Hedge Accounting Basis Adjustment Debt securities AFS $ 797,177 $ (23,671) (1) Excludes cumulative hedge accounting basis adjustment. Derivatives Not Designated as Hedging Instruments Customer derivative positions include swaps, caps, and collars between United and certain commercial loan customers with offsetting positions to dealers under a back-to-back program. In addition, United occasionally enters into credit risk participation agreements with counterparty banks to accept or transfer a portion of the credit risk related to interest rate swaps. The agreements, which are typically executed in conjunction with a participation in a loan with the same customer, allow customers to execute an interest rate swap with one bank while allowing for the distribution of the credit risk among participating members. United also has three interest rate swap contracts that are not designated as hedging instruments but are economic hedges of market-linked brokered certificates of deposit. The market-linked brokered certificates of deposit contain embedded derivatives that are bifurcated from the host instruments and are marked to market through earnings. The fair value marks on the market-linked swaps and the bifurcated embedded derivatives tend to move in opposite directions and therefore provide an economic hedge. In addition, United originates certain residential mortgage loans with the intention of selling these loans. Between the time United enters into an interest-rate lock commitment to originate a residential mortgage loan that is to be held for sale and the time the loan is funded and eventually sold, United is subject to the risk of variability in market prices. United enters into forward sale agreements to mitigate risk and to protect the expected gain on the eventual loan sale. The commitments to originate residential mortgage loans and forward loan sales commitments are freestanding derivative instruments. Fair value adjustments on these derivative instruments are recorded within mortgage loan gains and other related fee income in the consolidated statements of income. The table below presents the gains and losses recognized in income on derivatives not designated as hedging instruments for the periods indicated (in thousands) . Location of Gain (Loss) Recognized in Income on Derivatives Amount of Gain (Loss) Recognized in Income on Derivatives Three Months Ended Nine Months Ended September 30, 2023 2022 2023 2022 Customer derivatives and dealer offsets Other noninterest income $ 789 $ 471 $ 1,701 $ 1,685 Bifurcated embedded derivatives and dealer offsets Other noninterest income (651) (108) (1,658) 90 Mortgage banking derivatives Mortgage loan revenue 1,034 1,047 2,435 8,297 Risk participations Other noninterest income 19 (1) 161 93 $ 1,191 $ 1,409 $ 2,639 $ 10,165 Credit-Risk-Related Contingent Features United manages its credit exposure on derivatives transactions by entering into a bilateral credit support agreement with each non-customer counterparty. The credit support agreements require collateralization of exposures beyond specified minimum threshold amounts. The details of these agreements, including the minimum thresholds, vary by counterparty. United’s agreements with each of its derivative counterparties provide that if either party defaults on any of its indebtedness, then it could also be declared in default on its derivative obligations. The agreements with derivative counterparties also include provisions that if not met, could result in United being declared in default. United has agreements with certain of its derivative counterparties that provide that if United fails to maintain its status as a well-capitalized institution or is subject to a prompt corrective action directive, the counterparty could terminate the derivative positions and United would be required to settle its obligations under the agreements. Derivatives that are centrally cleared do not have credit-risk-related features that would require additional collateral if United’s credit rating were downgraded.

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	9 Months Ended
	Sep. 30, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets The carrying amount of goodwill and other intangible assets as of the dates indicated is summarized below (in thousands). September 30, 2023 December 31, 2022 Core deposit intangible $ 104,174 $ 46,900 Less: accumulated amortization (36,638) (26,112) Net core deposit intangible 67,536 20,788 Customer relationship intangible 8,400 8,400 Less: accumulated amortization (1,708) (1,114) Net customer relationship intangible 6,692 7,286 Total intangibles subject to amortization, net (1) 74,228 28,074 Goodwill 919,914 751,174 Total goodwill and other intangible assets, net $ 994,142 $ 779,248 (1) As intangible assets become fully amortized, they are excluded from balances presented. During the first quarter of 2023, as a result of the Progress acquisition, United recorded a core deposit intangible of $40.0 million. During the third quarter of 2023, as a result of the First Miami acquisition, United recorded a core deposit intangible of $18.0 million. See Note 4 for further details. Also during the third quarter of 2023, United reduced its core deposit intangible related to the Reliant acquisition by $656,000 as a result of the sale of core deposits in connection with a whole branch disposal. The following is a summary of changes in the carrying amounts of goodwill (in thousands) : Three Months Ended Nine Months Ended 2023 2022 2023 2022 Balance, beginning of period (1) $ 896,718 $ 751,174 $ 751,174 $ 452,007 Acquisitions 23,196 — 168,740 299,167 Balance, end of period (1) $ 919,914 $ 751,174 $ 919,914 $ 751,174 (1) Goodwill balances are shown net of accumulated impairment losses of $306 million incurred prior to 2022. The estimated aggregate amortization expense for future periods for finite-lived intangibles is as follows (in thousands) : Remainder of 2023 $ 4,030 2024 14,872 2025 12,774 2026 10,896 2027 9,018 Thereafter 22,638 Total $ 74,228

Preferred Stock

Preferred Stock	9 Months Ended
	Sep. 30, 2023
Equity [Abstract]
Preferred Stock	Preferred StockIn May 2023, United’s Board of Directors approved a preferred stock repurchase program, authorizing United to repurchase up to $25.0 million of its outstanding Series I Non-Cumulative Preferred Stock directly or through the repurchase of depositary shares representing 1/1000th of a share of Series I Non-Cumulative Preferred Stock. The program is scheduled to expire on the earlier of the repurchase of preferred stock having an aggregate purchase price of $25.0 million or December 31, 2023. During the three and nine months ended September 30, 2023, 244,012 and 254,680 depositary shares were repurchased, respectively. As of September 30, 2023, United had remaining authorization to repurchase up to $19.7 million of outstanding preferred stock under the program.

Assets and Liabilities Measured

Assets and Liabilities Measured at Fair Value	9 Months Ended
	Sep. 30, 2023
Fair Value Disclosures [Abstract]
Assets and Liabilities Measured at Fair Value	Assets and Liabilities Measured at Fair Value Fair value measurements are determined based on the assumptions that market participants would use in pricing the asset or liability. As a basis for considering those assumptions, United uses a fair value hierarchy that distinguishes between assumptions based on market data obtained from sources independent of the reporting entity (observable inputs that are classified within Levels 1 and 2 of the hierarchy) and the reporting entity’s own assumptions (unobservable inputs classified within Level 3 of the hierarchy). United has processes in place to review the significant valuation inputs and to reassess how the instruments are classified in the valuation framework. Fair Value Hierarchy Level 1 Valuation is based upon quoted prices (unadjusted) in active markets for identical assets or liabilities that United has the ability to access. Level 2 Valuation is based upon quoted prices for similar assets and liabilities in active markets, as well as inputs that are observable for the asset or liability (other than quoted prices), such as interest rates, foreign exchange rates, and yield curves that are observable at commonly quoted intervals. Level 3 Valuation is generated from model-based techniques that use at least one significant assumption based on unobservable inputs for the asset or liability, which are typically based on an entity’s own assumptions, as there is little, if any, related market activity. In instances when the determination of the fair value measurement is based on inputs from different levels of the fair value hierarchy, the level in the fair value hierarchy within which the entire fair value measurement falls is based on the lowest level input that is significant to the fair value measurement in its entirety. The assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the asset or liability. The following is a description of the valuation methodologies used for assets and liabilities recorded at fair value. Investment Securities AFS debt securities and equity securities with readily determinable fair values are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include MBS issued by GSEs, municipal bonds, corporate debt securities, asset-backed securities and supranational entity securities and are valued based on observable inputs that include: quoted market prices for similar assets, quoted market prices that are not in an active market, or other inputs that are observable in the market and can be corroborated by observable market data for substantially the full term of the securities. Securities classified as Level 3 include those traded in less liquid markets and are valued based on estimates obtained from broker-dealers that are not directly observable or models which incorporate unobservable inputs. Deferred Compensation Plan Assets and Liabilities Included in other assets in the consolidated balance sheet are assets purchased to provide returns to participants in the employee deferred compensation plan. These assets are mutual funds classified as Level 1. Deferred compensation liabilities, also classified as Level 1, are carried at the fair value of the obligation to the participant, which mirrors the fair value of the invested assets and is included in other liabilities in the consolidated balance sheet. Deferred compensation plan liabilities are unsecured general obligations of United. Mortgage Loans Held for Sale United has elected the fair value option for most of its newly originated mortgage loans held for sale in order to reduce certain timing differences and better match changes in fair values of the loans with changes in the value of derivative instruments used to economically hedge them. The fair value of mortgage loans held for sale is determined using quoted prices for a similar asset, adjusted for specific attributes of that loan, and are classified as Level 2. As of December 31, 2022, United had certain mortgage loans held for sale that were acquired from Reliant for which the fair value option was not elected; these loans were carried at the lower of aggregate cost or fair value. These loans were subsequently sold in 2023. Derivative Financial Instruments United uses derivatives to manage interest rate risk. The valuation of these instruments is typically determined using widely accepted valuation techniques including discounted cash flow analysis on the expected cash flows of each derivative. This analysis reflects the contractual terms of the derivatives, including the period to maturity, and uses observable market-based inputs, including interest rate curves and implied volatilities. The fair values of interest rate swaps are determined using the market standard methodology of netting the discounted future fixed cash receipts and the discounted expected variable cash payments. The variable cash payments are based on an expectation of future interest rates (forward curves) derived from observable market interest rate curves. United also uses best effort and mandatory delivery forward loan sale commitments to hedge risk in its mortgage lending business. United incorporates CVAs as necessary to appropriately reflect the respective counterparty’s nonperformance risk in the fair value measurements. In adjusting the fair value of its derivative contracts for the effect of nonperformance risk, United has considered the effect of netting and any applicable credit enhancements, such as collateral postings, thresholds and guarantees. Management has determined that the majority of the inputs used to value its derivatives fall within Level 2 of the fair value hierarchy. However, the CVAs associated with these derivatives utilize Level 3 inputs, such as estimates of current credit spreads, to evaluate the likelihood of default by itself and its counterparties. Generally, management’s assessment of the significance of the CVAs has indicated that they are not a significant input to the overall valuation of the derivatives. In cases when management’s assessment indicates that the CVA is a significant input, the related derivative is disclosed as a Level 3 value. Other derivatives classified as Level 3 include structured derivatives for which broker quotes, used as a key valuation input, were not observable. Risk participation agreements are classified as Level 3 instruments due to the incorporation of significant Level 3 inputs used to evaluate the probability of funding and the likelihood of customer default. Interest rate lock commitments, which relate to mortgage loan commitments, are categorized as Level 3 instruments as the fair value of these instruments is based on unobservable inputs for commitments that United does not expect to fund. Servicing Rights for Residential and SBA/USDA Loans United recognizes servicing rights upon the sale of residential and SBA/USDA loans sold with servicing retained. Management has elected to carry these assets at fair value. Given the nature of these assets, the key valuation inputs are unobservable and management classifies these assets as Level 3. Assets and Liabilities Measured at Fair Value on a Recurring Basis The table below presents United’s assets and liabilities measured at fair value on a recurring basis as of the dates indicated, aggregated by the level in the fair value hierarchy within which those measurements fall (in thousands) . September 30, 2023 Level 1 Level 2 Level 3 Total Assets: AFS debt securities: U.S. Treasuries $ 283,830 $ — $ — $ 283,830 U.S. Government agencies & GSEs — 224,695 — 224,695 State and political subdivisions — 156,245 — 156,245 Residential MBS — 1,546,422 — 1,546,422 Commercial MBS — 602,060 — 602,060 Corporate bonds — 192,626 2,179 194,805 Asset-backed securities — 174,055 — 174,055 Equity securities with readily determinable fair values 8,400 1,576 — 9,976 Mortgage loans held for sale — 37,110 — 37,110 Deferred compensation plan assets 12,436 — — 12,436 Servicing rights for SBA/USDA loans — — 5,431 5,431 Residential mortgage servicing rights — — 38,234 38,234 Derivative financial instruments — 52,618 13,079 65,697 Total assets $ 304,666 $ 2,987,407 $ 58,923 $ 3,350,996 Liabilities: Deferred compensation plan liability $ 12,476 $ — $ — $ 12,476 Derivative financial instruments — 103,717 13,638 117,355 Total liabilities $ 12,476 $ 103,717 $ 13,638 $ 129,831 December 31, 2022 Level 1 Level 2 Level 3 Total Assets: AFS debt securities: U.S. Treasuries $ 149,352 $ — $ — $ 149,352 U.S. Government agencies & GSEs — 250,116 — 250,116 State and political subdivisions — 303,748 — 303,748 Residential MBS — 1,795,481 — 1,795,481 Commercial MBS — 671,912 — 671,912 Corporate bonds — 210,240 2,212 212,452 Asset-backed securities — 231,272 — 231,272 Equity securities with readily determinable fair values 12,278 1,359 — 13,637 Mortgage loans held for sale — 11,794 — 11,794 Deferred compensation plan assets 11,436 — — 11,436 Servicing rights for SBA/USDA loans — — 5,188 5,188 Residential mortgage servicing rights — — 36,559 36,559 Derivative financial instruments — 39,123 11,513 50,636 Total assets $ 173,066 $ 3,515,045 $ 55,472 $ 3,743,583 Liabilities: Deferred compensation plan liability $ 11,460 $ — $ — $ 11,460 Derivative financial instruments — 86,703 12,840 99,543 Total liabilities $ 11,460 $ 86,703 $ 12,840 $ 111,003 The following table shows a reconciliation of the beginning and ending balances for the periods indicated for assets measured at fair value on a recurring basis using significant unobservable inputs that are classified as Level 3 values (in thousands) . 2023 2022 Derivative Derivative SBA/USDA loan servicing rights Residential mortgage servicing rights Corporate Bonds Derivative Derivative SBA/USDA loan servicing rights Residential mortgage servicing rights Corporate Bonds Three Months Ended September 30, Beginning balance $ 11,872 $ 12,564 $ 6,148 $ 37,194 $ 2,183 $ 10,199 $ 10,795 $ 6,167 $ 35,131 $ 2,287 Additions — — 525 826 — — — 411 704 — Sales and settlements — — (418) (534) — — — (220) (602) — Fair value adjustments included in OCI — — — — (4) — — — — (61) Fair value adjustments included in earnings 1,207 1,074 (824) 748 — 1,819 2,866 (280) 1,921 — Ending balance $ 13,079 $ 13,638 $ 5,431 $ 38,234 $ 2,179 $ 12,018 $ 13,661 $ 6,078 $ 37,154 $ 2,226 Nine Months Ended September 30, Beginning balance $ 11,513 $ 12,840 $ 5,188 $ 36,559 $ 2,212 $ 6,758 $ 5,048 $ 6,513 $ 25,161 $ 2,395 Business combinations — — 95 — — — — — — — Additions — 170 1,449 2,306 — — 99 1,799 4,594 — Transfers from Level 3 — — — — — (290) — — — — Sales and settlements (11) — (869) (1,482) — — (1) (857) (1,916) — Fair value adjustments included in OCI — — — — (33) — — — — (169) Fair value adjustments included in earnings 1,577 628 (432) 851 — 5,550 8,515 (1,377) 9,315 — Ending balance $ 13,079 $ 13,638 $ 5,431 $ 38,234 $ 2,179 $ 12,018 $ 13,661 $ 6,078 $ 37,154 $ 2,226 The following table presents quantitative information about significant Level 3 inputs for fair value on a recurring basis as of the dates indicated. Level 3 Assets and Liabilities Valuation Technique Significant Unobservable Inputs September 30, 2023 December 31, 2022 Range Weighted Average Range Weighted Average SBA/USDA loan servicing rights Discounted cash flow Discount rate 9.6% - 25.0% 16.5 % 11.9% - 25.0% 17.5 % Prepayment rate 4.2 - 36.7 17.8 0.0 - 35.4 16.4 Residential mortgage servicing rights Discounted cash flow Discount rate 10.0 - 12.5 10.1 9.5 - 11.5 9.5 Prepayment rate 6.5 - 28.2 7.3 7.0 - 31.2 7.5 Corporate bonds Discounted cash flow Discount rate 6.8 - 7.3 7.1 6.1 - 6.4 6.3 Derivative assets - mortgage Internal model Pull through rate 60.0 - 100 89.2 26.5 - 100 90.7 Derivative assets and liabilities - other Dealer priced Dealer priced N/A N/A N/A N/A Fair Value Option United generally records mortgage loans held for sale at fair value under the fair value option. Interest income on these loans is calculated based on the note rate of the loan and is recorded in interest revenue. In connection with the Reliant acquisition, United acquired mortgage loans held for sale accounted for under the lower of cost or fair value method. These loans are separately disclosed under the heading “Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis” within this footnote. The following tables present the fair value and outstanding principal balance of loans accounted for under the fair value option, as well as the gain or loss recognized from the change in fair value for the periods indicated (in thousands) . Mortgage Loans Held for Sale September 30, 2023 December 31, 2022 Outstanding principal balance $ 36,317 $ 11,473 Fair value 37,110 11,794 Gain (Loss) from Change in Fair Value on Mortgage Loans Held for Sale Location Three Months Ended Nine Months Ended 2023 2022 2023 2022 Mortgage loan gains and other related fees $ 209 $ (809) $ 473 $ (1,820) Changes in fair value were mostly offset by hedging activities. An immaterial portion of these amounts was attributable to changes in instrument-specific credit risk. Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis United may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis. These adjustments to fair value usually result from the application of the lower of the amortized cost or fair value accounting or write-downs of individual assets due to impairment. The following table presents the fair value hierarchy and carrying value of assets that were still held as of September 30, 2023 and December 31, 2022, for which a nonrecurring fair value adjustment was recorded during the year-to-date periods presented (in thousands) . Level 1 Level 2 Level 3 Total September 30, 2023 Loans held for investment $ — $ — $ 37,236 $ 37,236 December 31, 2022 Loans held for investment $ — $ — $ 7,808 $ 7,808 Mortgage loans held for sale — — 1,806 1,806 Mortgage loans held for sale that were acquired from Reliant were subject to a nonrecurring fair value adjustment resulting from the application of the lower of the amortized cost or fair value accounting. As of December 31, 2022, these loans were classified as nonrecurring Level 3 because the valuation of these loans was based on indicative bids provided by a broker, not corroborated by market transactions. These loans were subsequently sold during the first half of 2023. Loans held for investment that are reported above as being measured at fair value on a nonrecurring basis are generally impaired loans that have either been partially charged off or have specific reserves assigned to them. Nonaccrual loans that are collateral dependent are generally written down to net realizable value, which reflects fair value less the estimated costs to sell. Specific reserves that are established based on appraised value of collateral are considered nonrecurring fair value adjustments as well. When the fair value of the collateral is based on an observable market price or a current appraised value, United records the impaired loan as nonrecurring Level 2. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, United records the impaired loan as nonrecurring Level 3. Assets and Liabilities Not Measured at Fair Value For financial instruments that have quoted market prices, those quotes are used to determine fair value. Financial instruments that have no defined maturity, have a remaining maturity of 180 days or less, or reprice frequently to a market rate, are assumed to have a fair value that approximates reported book value, after taking into consideration any applicable credit risk. If no market quotes are available, financial instruments are valued by discounting the expected cash flows using an estimated current market interest rate for the financial instrument. For off-balance sheet derivative instruments, fair value is estimated as the amount that United would receive or pay to terminate the contracts at the reporting date, taking into account the current unrealized gains or losses on open contracts. Cash and cash equivalents and repurchase agreements have short maturities and therefore the carrying value approximates fair value. Due to the short-term settlement of accrued interest receivable and payable, the carrying amount closely approximates fair value. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect the premium or discount on any particular financial instrument that could result from the sale of United’s entire holdings. All estimates are inherently subjective in nature. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets and liabilities that are not considered financial instruments include the mortgage banking operation, brokerage network, deferred income taxes, premises and equipment and goodwill. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates. Off-balance sheet instruments (commitments to extend credit and standby letters of credit) for which draws can be reasonably predicted are generally short-term in maturity and are priced at variable rates. Therefore, the estimated fair value associated with these instruments is immaterial. The carrying amount and fair values as of the dates indicated for other financial instruments that are not measured at fair value on a recurring basis are as follows (in thousands) . Fair Value Level Carrying Amount Level 1 Level 2 Level 3 Total September 30, 2023 Assets: HTM debt securities $ 2,518,773 $ 17,266 $ 1,975,098 $ — $ 1,992,364 Loans and leases, net 18,001,250 — — 17,215,625 17,215,625 Liabilities: Deposits 22,857,868 — 22,849,880 — 22,849,880 Long-term debt 324,786 — — 307,234 307,234 December 31, 2022 Assets: HTM debt securities $ 2,613,648 $ 17,417 $ 2,173,656 $ — $ 2,191,073 Loans and leases, net 15,175,270 — — 14,609,239 14,609,239 Liabilities: Deposits 19,876,507 — 19,863,380 — 19,863,380 FHLB advances 550,000 — — 549,913 549,913 Long-term debt 324,663 — — 313,380 313,380

Stock-Based Compensation

Stock-Based Compensation	9 Months Ended
	Sep. 30, 2023
Share-Based Payment Arrangement [Abstract]
Stock-Based Compensation	Stock-Based Compensation United has an equity compensation plan that allows for grants of various share-based compensation. The general terms of the plan include a vesting period (usually four years) with an exercisable period not to exceed ten years. Certain options and restricted stock unit awards provide for accelerated vesting if there is a change in control (as defined in the plan document). As of September 30, 2023, 2.28 million additional awards could be granted under the plan. The table below presents restricted stock unit and option activity for the nine months ended September 30, 2023. Restricted Stock Unit Awards Options Shares Weighted- Aggregate Shares Weighted- Weighted- Aggregate Outstanding at December 31, 2022 778,686 $ 28.28 40,338 $ 11.88 Granted 529,611 29.11 643,298 20.91 Released / Exercised (264,031) 25.99 $ 7,861 (271,124) 19.08 $ 2,367 Cancelled (50,110) 30.32 (4,620) 25.97 Outstanding at September 30, 2023 994,156 29.23 25,262 407,892 21.17 5.4 1,769 Vested / Exercisable at September 30, 2023 — — 407,892 21.17 5.4 1,769 Options granted in 2023 reflect fully vested options assumed in the Progress acquisition, with the weighted average exercise price of Progress’ fully vested converted options determined pursuant to the purchase agreement. The value of the Progress options was determined using a Black-Scholes model and was included in the purchase price for the acquisition. No compensation expense relating to options was included in earnings for the nine months ended September 30, 2023 and 2022. Compensation expense for restricted stock units and performance stock units without market conditions is based on the market value of United’s common stock on the date of grant. Compensation expense for performance stock units with market conditions is based on the grant date per share fair value, which was estimated using the Monte Carlo Simulation valuation model. United recognizes the impact of forfeitures as they occur. The value of restricted stock unit and performance stock unit awards is amortized into expense over the service period. For the nine months ended September 30, 2023 and 2022, expense of $6.54 million and $6.24 million, respectively, was recognized related to restricted stock unit and performance stock unit awards granted to United employees, which was included in salaries and employee benefits expense. In addition, for the nine months ended September 30, 2023 and 2022, $555,000 and $412,000, respectively, was recognized in other expense for restricted stock unit awards granted to members of United’s Board of Directors.

Reclassifications Out of AOCI

Reclassifications Out of AOCI	9 Months Ended
	Sep. 30, 2023
Equity [Abstract]
Reclassifications Out of AOCI	Reclassifications Out of AOCI The following table presents the details regarding amounts reclassified out of AOCI for the periods indicated (in thousands) . Amounts shown in parentheses reduce earnings. Details about AOCI Components Three Months Ended Nine Months Ended Affected Line Item in the Statement Where Net Income is Presented 2023 2022 2023 2022 Realized losses on AFS securities: $ — $ — $ (1,644) $ (3,688) Securities losses, net — — 374 979 Income tax benefit $ — $ — $ (1,270) $ (2,709) Net of tax Amortization of unrealized losses on HTM securities transferred from AFS: $ (2,478) $ (4,473) $ (7,964) $ (6,242) Investment securities interest revenue 593 1,073 1,917 1,495 Income tax benefit $ (1,885) $ (3,400) $ (6,047) $ (4,747) Net of tax Reclassifications related to derivative instruments accounted for as cash flow hedges: Interest rate contracts $ 42 $ (48) $ 2,098 $ (295) Long-term debt interest expense (11) 12 (536) 75 Income tax (expense) benefit $ 31 $ (36) $ 1,562 $ (220) Net of tax Amortization of defined benefit pension plan net periodic pension cost components: Prior service cost $ (61) $ (91) $ (183) $ (276) Salaries and employee benefits expense Actuarial losses — (78) — (234) Other expense (61) (169) (183) (510) Total before tax 16 43 47 130 Income tax benefit $ (45) $ (126) $ (136) $ (380) Net of tax Total reclassifications for the period $ (1,899) $ (3,562) $ (5,891) $ (8,056) Net of tax

Earnings Per Share

Earnings Per Share	9 Months Ended
	Sep. 30, 2023
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share The following table sets forth the computation of basic and diluted earnings per share for the periods indicated (in thousands, except per share data) . Three Months Ended Nine Months Ended 2023 2022 2023 2022 Net income $ 47,866 $ 81,161 $ 173,454 $ 196,022 Dividends on preferred stock (1,624) (1,719) (5,062) (5,157) Discount on preferred shares repurchased 792 — 792 — Earnings allocated to participating securities (259) (407) (939) (1,007) Net income available to common shareholders $ 46,775 $ 79,035 $ 168,245 $ 189,858 Weighted average shares outstanding: Basic 119,506 106,687 116,925 106,616 Effect of dilutive securities: Stock options 95 38 141 40 Restricted stock units 23 75 18 76 Diluted 119,624 106,800 117,084 106,732 Net income per common share: Basic $ 0.39 $ 0.74 $ 1.44 $ 1.78 Diluted $ 0.39 $ 0.74 $ 1.44 $ 1.78 At September 30, 2023, United excluded from the computation 1,968 potentially dilutive shares of common stock issuable upon exercise of stock options because of their antidilutive effect. At September 30, 2022, United had no potentially dilutive instruments outstanding that were not included in the computation.

Regulatory Matters

Regulatory Matters	9 Months Ended
	Sep. 30, 2023
Regulatory Capital Requirements Under Banking Regulations [Abstract]
Regulatory Matters	Regulatory Matters As of September 30, 2023, United and the Bank were categorized as well-capitalized under the regulatory requirements in effect at that time. To be categorized as well-capitalized, United and the Bank must have exceeded the well-capitalized guideline ratios in effect at the time, as set forth in the table below, and have met certain other requirements. Management believes that United and the Bank exceeded all well-capitalized requirements at September 30, 2023, and there have been no conditions or events since quarter-end that would change the status of well-capitalized. Regulatory capital ratios at September 30, 2023 and December 31, 2022, along with the minimum amounts required for capital adequacy purposes and to be well-capitalized under regulatory requirements in effect at such times, are presented below for United and the Bank (dollars in thousands) : United Community Banks, Inc. United Community Bank Minimum (1) Well- September 30, December 31, September 30, December 31, Risk-based ratios: CET1 capital 4.5 % 6.5 % 12.15 % 12.26 % 12.26 % 12.83 % Tier 1 capital 6.0 8.0 12.60 12.81 12.26 12.83 Total capital 8.0 10.0 14.45 14.79 13.25 13.70 Leverage ratio 4.0 5.0 9.70 9.69 9.43 9.69 CET1 capital $ 2,445,212 $ 2,164,211 $ 2,457,791 $ 2,255,337 Tier 1 capital 2,535,495 2,260,633 2,457,791 2,255,337 Total capital 2,907,824 2,610,216 2,654,380 2,408,895 Risk-weighted assets 20,129,470 17,648,573 20,039,784 17,583,347 Average total assets for the leverage ratio 26,141,324 23,322,018 26,059,562 23,285,253 (1) As of September 30, 2023 and December 31, 2022 the additional capital conservation buffer in effect was 2.50%

Commitments and Contingencies

Commitments and Contingencies	9 Months Ended
	Sep. 30, 2023
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies United is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and letters of credit. These instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance sheet. The contract amounts of these instruments reflect the extent of involvement United has in particular classes of financial instruments. The exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and letters of credit written is represented by the contractual amount of these instruments. United uses the same credit policies in making commitments and conditional obligations as it uses for underwriting on-balance sheet instruments. In most cases, collateral or other security is required to support financial instruments with credit risk. The following table summarizes the contractual amount of off-balance sheet instruments as of the dates indicated (in thousands) . September 30, 2023 December 31, 2022 Financial instruments whose contract amounts represent credit risk: Commitments to extend credit $ 4,608,549 $ 4,683,790 Letters of credit 56,455 46,896 United, in the normal course of business, is subject to various pending and threatened lawsuits in which claims for monetary damages are asserted. Although it is not possible to predict the outcome of these lawsuits, or the range of any possible loss, management, after consultation with legal counsel, does not anticipate that the ultimate aggregate liability, if any, arising from these lawsuits will have a material adverse effect on United’s financial position or results of operations. Tax Credit and Certain Equity Investments United invests in certain LIHTC partnerships throughout its market area as a means of supporting local communities, as well as in entities that promote renewable energy sources. United receives tax credits related to these investments. For certain of the investments, United provides financing during the construction and development phase of the related projects and/or permanent financing upon completion of the project. United has concluded that these partnerships are VIEs of which it is not the primary beneficiary because it does not have the power to direct the activities that most significantly impact the VIEs' financial performance and, therefore, is not required to consolidate these VIEs. United's maximum potential exposure to losses relative to investments in these VIEs is generally limited to the sum of the outstanding investment balance, any future funding commitments and the balance of any related loans to the entity. Loans to these entities are underwritten in substantially the same manner as other loans and are generally secured. United also has investments in and future funding commitments related to fintech fund limited partnerships, other community development entities and certain other equity method investments. United has concluded that these partnerships are VIEs of which it is not the primary beneficiary because it does not have the power to direct the activities that most significantly impact the VIEs' financial performance and, therefore, is not required to consolidate these VIEs. The risk exposure relating to such commitments is generally limited to the amount invested by United and any future funding commitments. The following table summarizes, as of the dates indicated, tax credit and certain equity method investments (in thousands) : Balance Sheet Location September 30, 2023 December 31, 2022 Investments in LIHTC: Carrying amount Other assets $ 50,432 $ 50,054 Amount of future funding commitments included in carrying amount Other liabilities 14,990 18,090 Renewable energy investments: Carrying amount Other assets 37,343 19,617 Amount of future funding commitments included in carrying amount Other liabilities 15,795 18,781 Fintech funds and certain other equity method investments: Carrying amount Other assets 38,209 27,569 Amount of future funding commitments included in carrying amount Other liabilities 5,786 470 Amount of future funding commitments not included in carrying amount N/A 25,918 23,690

Short-term Borrowings

Short-term Borrowings	9 Months Ended
	Sep. 30, 2023
Debt Disclosure [Abstract]
Short-term Borrowings	Short-term Borrowings At September 30, 2023 and December 31, 2022, short-term borrowings consisted of repurchase agreements, which are borrowings secured by investment securities. The following table presents the remaining contractual maturity of repurchase agreements by collateral pledged as of the date indicated (in thousands) . Remaining Contractual Maturity of the Agreements Overnight and Continuous Up to 30 Days 30-90 Days Greater than 90 days Total September 30, 2023 U.S. Government agencies & GSEs 37,348 — — — 37,348 Total $ 37,348 $ — $ — $ — $ 37,348 December 31, 2022 U.S. Treasuries $ 158,933 $ — $ — $ — $ 158,933 Total $ 158,933 $ — $ — $ — $ 158,933 United is obligated to promptly transfer additional securities if the market value of the pledged securities falls below the repurchase agreement price. United manages this risk by maintaining a portfolio of unpledged securities that it believes is sufficient to cover a decline in the market value of the securities sold under agreements to repurchase. At September 30, 2023, repurchase agreements were collateralized by securities with a carrying amount of $62.3 million. At December 31, 2022, repurchase agreements were collateralized by securities with a carrying amount of $163 million.

Subsequent Events

Subsequent Events	9 Months Ended
	Sep. 30, 2023
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events Preferred Share Repurchases Subsequent to quarter-end through November 1, 2023, United repurchased 83,670 depositary shares (each representing 1/1000 interest in a share of preferred stock), bringing to a total 338,350 depositary shares repurchased to date through its preferred stock repurchase program. As of November 1, 2023, United had remaining authorization to repurchase up to $17.8 million of outstanding preferred stock under the program.

Basis of Presentation and Upd_2

Basis of Presentation and Updates to Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation	Basis of Presentation United’s accounting and financial reporting policies conform to GAAP and reporting guidelines of banking regulatory authorities. The accompanying interim consolidated financial statements have not been audited. All material intercompany balances and transactions have been eliminated. A more detailed description of United’s accounting policies is included in its 2022 10-K.
Updates to Significant Accounting Policies, Recently Adopted Standards and Recently Issued Standards	Updates to Significant Accounting Policies Effective January 1, 2023, United adopted ASU 2022-02, which updated the guidance on modifications to financing receivables by effectively replacing the concept of troubled debt restructurings with a new concept, loan modifications to borrowers experiencing financial difficulty. See Note 2 for further detail. Below summarizes the policy surrounding FDMs. FDMs: A loan for which the terms have been modified as a result of the borrower experiencing financial difficulty is generally considered to be a FDM. Modified terms that result in a FDM include one or a combination of the following: a reduction of the stated interest rate of the loan, an extension of the term or amortization period, a more than insignificant payment delay or principal forgiveness. The ACL on FDMs is calculated using the same method as other loans held for investment. Recently Adopted Standards In October 2021, the FASB issued ASU No. 2021-08, Business Combinations (Topic 805): Accounting for Contract Assets and Contract Liabilities from contracts with Customers . The update requires that an acquiring entity apply the guidance from Revenue from Contracts with Customers (Topic 606) to recognize and measure contract assets and contract liabilities in a business combination, rather than fair value. Adoption of this update as of January 1, 2023 did not have a material impact on the consolidated financial statements. In March 2022, the FASB issued ASU No. 2022-01, Derivatives and Hedging (Topic 815): Fair Value Hedging - Portfolio Layer Method . The update expands the current last-of-layer method to a portfolio layer method which allows multiple hedged layers of a single closed portfolio and non-prepayable financial assets. In addition, the update specifies that eligible hedging instruments may include spot-starting or forward-starting swaps and that the number of hedged layers corresponds with the number of hedges designated. Finally, the update provides additional guidance on the accounting for and disclosure of hedge basis adjustments. Adoption of this update as of January 1, 2023 did not have a material impact on the consolidated financial statements. In March 2022, the FASB issued ASU No. 2022-02, Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures . The update eliminates the previous accounting guidance for TDRs by creditors, while enhancing disclosure requirements for certain loan refinancings and restructurings when a borrower is experiencing financial difficulty. The update also requires that an entity disclose current-period gross charge-offs by year of origination. United adopted this update using a modified retrospective transition method as of January 1, 2023. The quantitative impact of adoption related to the CECL calculation for FDMs was not material; thus, no corresponding cumulative effect adjustment to retained earnings was recorded. Recently Issued Standards In March 2023, the FASB issued ASU No 2023-02, Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method . The update broadens the application of the proportional amortization method to tax equity investments other than LIHTC, providing certain conditions are met. The election to apply the proportional amortization method must be made on a tax-credit-program by tax-credit-program basis rather than at the reporting entity level or to individual investments. The update also requires certain disclosures related to those investments for which the proportional amortization method has been applied. For public entities, this guidance is effective for fiscal years beginning after December 15, 2023. United does not expect the new guidance to have a material impact on its consolidated financial statements. In August 2023, the FASB issued ASU No 2023-05, Business Combinations - Joint Venture Formations (Subtopic 805-60): Recognition and Initial Measurement . The update addresses the accounting for contributions made to a joint venture, upon formation, in a joint venture’s separate financial statements. Specifically, a joint venture must apply a new basis of accounting upon formation and will initially measure its assets and liabilities at fair value. This guidance is effective prospectively for all joint venture formations dated on or after January 1, 2025. United does not expect the new guidance to have a material impact on its consolidated financial statements. In October 2023, the FASB issued ASU No 2023-06, Disclosure Improvements - Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative . The update clarifies or improves disclosure and presentation requirements for a variety of topics, including cash flows from derivative instruments, methods used in the diluted earnings per share computation and weighted-average interest rates on short term borrowings, This guidance is effective prospectively from the date on which the SEC’s removal of that related disclosure from Regulation S-X or Regulation S-K becomes effective. United does not expect the new guidance to have a material impact on its consolidated financial statements.

Supplemental Cash Flow Inform_2

Supplemental Cash Flow Information (Tables)	9 Months Ended
	Sep. 30, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Supplemental Schedule of Noncash Investing and Financing Activities	The supplemental schedule of significant non-cash investing and financing activities for the nine months ended September 30, 2023 and 2022 is as follows (in thousands) . Nine Months Ended September 30, 2023 2022 Significant non-cash investing and financing transactions: Commitments to fund equity investments $ 16,410 $ — Transfers of AFS securities to HTM securities — 1,288,982 Acquisitions: Assets acquired 2,922,243 3,254,173 Liabilities assumed 2,527,654 2,657,173 Net assets acquired 394,589 597,000 Common stock issued and options converted 394,140 596,376

Acquisitions (Tables)

Acquisitions (Tables)	9 Months Ended
	Sep. 30, 2023
Business Acquisition [Line Items]
Schedule of Actual Results and Pro Forma Information	The actual results and pro forma information were as follows (in thousands) : Three Months Ended Nine Months Ended Revenue Net Income Revenue Net Income 2023 Actual Progress results included in statement of income since acquisition date $ 16,934 $ 7,569 $ 41,555 $ 12,667 Actual First Miami results included in statement of income since acquisition date 3,488 (3,330) 3,488 (3,330) Supplemental consolidated pro forma as if Progress and First Miami had been acquired January 1, 2022 207,523 55,538 667,155 197,929 2022 Actual Reliant results included in statement of income since acquisition date $ 29,618 $ 16,516 $ 72,685 $ 32,931 Supplemental consolidated pro forma as if Progress and First Miami had been acquired January 1, 2022 and Reliant had been acquired January 1, 2021 $ 246,612 $ 83,642 $ 691,694 $ 215,264
First Miami Bancorp, Inc
Business Acquisition [Line Items]
Schedule of Purchased Assets and Assumed Liabilities	The purchased assets and assumed liabilities were recorded at their acquisition date fair values and are summarized in the table below (dollars in thousands) . First Miami Fair Value Recorded by United (1) July 1, 2023 Assets Cash and cash equivalents $ 150,467 Debt securities 216,703 Loans held for investment 577,183 Premises and equipment 11,905 Core deposit intangible 17,950 Other assets 20,909 Total assets acquired 995,117 Liabilities Deposits 865,387 Short-term borrowings 47,664 Other liabilities 17,581 Total liabilities assumed 930,632 Total identifiable net assets 64,485 Consideration transferred Cash 2 Common stock issued (3,508,604 shares) 87,679 Total fair value of consideration transferred 87,681 Goodwill $ 23,196 (1) Fair values are preliminary and are subject to refinement for a period not to exceed one year after the closing date of an acquisition as information relative to closing date fair values becomes available.
Schedule of Additional Information Related to Acquired Loan Portfolio	The following table presents additional information related to the acquired First Miami loan portfolio at the acquisition date (in thousands) . July 1, 2023 PCD Loans Par value $ 94,902 ACL at acquisition (3,717) Non-credit discount (6,607) Purchase price $ 84,578 Non- PCD: Fair value $ 492,605 Gross contractual amounts receivable 622,181 Estimate of contractual cash flows not expected to be collected 7,012
Progress
Business Acquisition [Line Items]
Schedule of Purchased Assets and Assumed Liabilities	The purchased assets and assumed liabilities were recorded at their acquisition date fair values and are summarized in the table below (dollars in thousands) . Progress Fair Value Recorded by United (1) January 3, 2023 Assets Cash and cash equivalents $ 57,548 Debt securities 111,006 Loans held for sale 2,087 Loans held for investment 1,442,959 Premises and equipment 21,118 Bank-owned life insurance 40,723 Core deposit intangible 39,980 Other assets 42,965 Total assets acquired 1,758,386 Liabilities Deposits 1,334,476 Short-term borrowings 141,017 Federal Home Loan Bank advances 95,000 Other liabilities 26,529 Total liabilities assumed 1,597,022 Total identifiable net assets 161,364 Consideration transferred Cash 447 Common stock issued (8,770,531 shares) 296,444 Options converted 10,017 Total fair value of consideration transferred 306,908 Goodwill $ 145,544 (1) Fair values are preliminary and are subject to refinement for a period not to exceed one year after the closing date of an acquisition as information relative to closing date fair values becomes available.
Schedule of Additional Information Related to Acquired Loan Portfolio	The following table presents additional information related to the acquired Progress loan portfolio at the acquisition date (in thousands). January 3, 2023 PCD loans: Par value $ 64,913 ACL at acquisition (2,704) Non-credit discount (150) Purchase price $ 62,059 Non-PCD loans: Fair value $ 1,380,900 Gross contractual amounts receivable 1,626,243 Estimate of contractual cash flows not expected to be collected 9,287

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Schedule of Amortized Cost Basis, Unrealized Gains and Losses and Fair value of HTM Debt Securities	The amortized cost basis, unrealized gains and losses and fair value of HTM debt securities as of the dates indicated are as follows (in thousands) . Amortized Gross Unrealized Gross Unrealized Fair As of September 30, 2023 U.S. Treasuries $ 19,857 $ — $ 2,591 $ 17,266 U.S. Government agencies & GSEs 98,989 — 21,216 77,773 State and political subdivisions 294,187 4 71,485 222,706 Residential MBS, Agency & GSEs 1,407,762 — 277,747 1,130,015 Commercial MBS, Agency & GSEs 682,978 — 150,248 532,730 Supranational entities 15,000 — 3,126 11,874 Total $ 2,518,773 $ 4 $ 526,413 $ 1,992,364 As of December 31, 2022 U.S. Treasuries $ 19,834 $ — $ 2,417 $ 17,417 U.S. Government agencies & GSEs 99,679 — 18,169 81,510 State and political subdivisions 295,945 56 64,340 231,661 Residential MBS, Agency & GSEs 1,488,028 35 223,566 1,264,497 Commercial MBS, Agency & GSEs 695,162 — 111,586 583,576 Supranational entities $ 15,000 $ — $ 2,588 $ 12,412 Total $ 2,613,648 $ 91 $ 422,666 $ 2,191,073
Schedule of Amortized Cost Basis, Unrealized Gains and Losses and Fair Value of AFS Debt Securities	The amortized cost basis, unrealized gains and losses, and fair value of AFS debt securities as of the dates indicated are presented below (in thousands) . During the second quarter of 2023, United entered into fair value hedges on stated amounts of a closed portfolio of AFS debt securities using the portfolio layer method, which is further explained in Note 7. Amortized Gross Unrealized Gross Unrealized Fair As of September 30, 2023 U.S. Treasuries $ 297,943 $ 25 $ 14,138 $ 283,830 U.S. Government agencies & GSEs 242,642 255 18,202 224,695 State and political subdivisions 183,261 — 27,016 156,245 Residential MBS, Agency & GSEs 1,408,719 16 185,026 1,223,709 Residential MBS, Non-agency 352,872 — 30,159 322,713 Commercial MBS, Agency & GSEs 666,283 — 90,653 575,630 Commercial MBS, Non-agency 27,633 — 1,203 26,430 Corporate bonds 218,584 84 23,863 194,805 Asset-backed securities 177,876 1 3,822 174,055 Total 3,575,813 381 394,082 3,182,112 As of December 31, 2022 U.S. Treasuries $ 163,972 $ — $ 14,620 $ 149,352 U.S. Government agencies & GSEs 266,347 463 16,694 250,116 State and political subdivisions 329,723 151 26,126 303,748 Residential MBS, Agency & GSEs 1,609,442 13 160,636 1,448,819 Residential MBS, Non-agency 374,535 — 27,873 346,662 Commercial MBS, Agency & GSEs 720,282 471 79,407 641,346 Commercial MBS, Non-agency 31,624 — 1,058 30,566 Corporate bonds 236,181 34 23,763 212,452 Asset-backed securities 239,220 — 7,948 231,272 Total $ 3,971,326 $ 1,132 $ 358,125 $ 3,614,333
Schedule of HTM Debt Securities in an Unrealized Loss Position	The following table summarizes HTM debt securities in an unrealized loss position as of the dates indicated ( in thousands) . Less than 12 Months 12 Months or More Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized As of September 30, 2023 U.S. Treasuries $ — $ — $ 17,266 $ 2,591 $ 17,266 $ 2,591 U.S. Government agencies & GSEs — — 77,773 21,216 77,773 21,216 State and political subdivisions 18,580 660 203,422 70,825 222,002 71,485 Residential MBS, Agency & GSEs 1,763 44 1,128,250 277,703 1,130,013 277,747 Commercial MBS, Agency & GSEs 6,019 655 526,711 149,593 532,730 150,248 Supranational entities — — 11,874 3,126 11,874 3,126 Total unrealized loss position $ 26,362 $ 1,359 $ 1,965,296 $ 525,054 $ 1,991,658 $ 526,413 As of December 31, 2022 U.S. Treasuries $ 17,417 $ 2,417 $ — $ — $ 17,417 $ 2,417 U.S. Government agencies & GSEs 10,687 1,813 70,823 16,356 81,510 18,169 State and political subdivisions 104,243 20,639 117,115 43,701 221,358 64,340 Residential MBS, Agency & GSEs 296,673 38,289 965,785 185,277 1,262,458 223,566 Commercial MBS, Agency & GSEs 176,848 24,497 406,728 87,089 583,576 111,586 Supranational entities 12,412 2,588 — — 12,412 2,588 Total unrealized loss position $ 618,280 $ 90,243 $ 1,560,451 $ 332,423 $ 2,178,731 $ 422,666
Schedule of AFS Debt Securities in an Unrealized Loss Position	The following table summarizes AFS debt securities in an unrealized loss position as of the dates indicated (in thousands) . Less than 12 Months 12 Months or More Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized As of September 30, 2023 U.S. Treasuries $ 24,860 $ 3 $ 100,267 $ 14,135 $ 125,127 $ 14,138 U.S. Government agencies & GSEs 33,990 155 163,009 18,047 196,999 18,202 State and political subdivisions 764 5 155,480 27,011 156,244 27,016 Residential MBS, Agency & GSEs 51,018 669 1,166,396 184,357 1,217,414 185,026 Residential MBS, Non-agency — — 322,713 30,159 322,713 30,159 Commercial MBS, Agency & GSEs 63,198 2,876 512,431 87,777 575,629 90,653 Commercial MBS, Non-agency — — 26,430 1,203 26,430 1,203 Corporate bonds 4,277 351 187,132 23,512 191,409 23,863 Asset-backed securities 8,766 45 161,689 3,777 170,455 3,822 Total unrealized loss position $ 186,873 $ 4,104 $ 2,795,547 $ 389,978 $ 2,982,420 $ 394,082 As of December 31, 2022 U.S. Treasuries $ 49,259 $ 724 $ 100,093 $ 13,896 $ 149,352 $ 14,620 U.S. Government agencies & GSEs 93,015 2,124 108,093 14,570 201,108 16,694 State and political subdivisions 207,749 9,906 62,606 16,220 270,355 26,126 Residential MBS, Agency & GSEs 1,049,648 102,852 392,288 57,784 1,441,936 160,636 Residential MBS, Non-agency 338,399 27,095 8,263 778 346,662 27,873 Commercial MBS, Agency & GSEs 288,787 17,304 332,088 62,103 620,875 79,407 Commercial MBS, Non-agency 30,566 1,058 — — 30,566 1,058 Corporate bonds 83,010 7,776 127,603 15,987 210,613 23,763 Asset-backed securities 97,705 2,664 133,567 5,284 231,272 7,948 Total unrealized loss position $ 2,238,138 $ 171,503 $ 1,264,601 $ 186,622 $ 3,502,739 $ 358,125
Schedule of Accrued Interest Receivable	The following table presents accrued interest receivable for the periods indicated on HTM and AFS debt securities (in thousands) , which was excluded from the estimate of credit losses. Accrued Interest Receivable September 30, 2023 December 31, 2022 HTM $ 6,040 $ 7,234 AFS 10,983 15,281
Schedule of Amortized Cost and Fair Value of AFS and HTM Securities by Contractual Maturity	The amortized cost and fair value of AFS and HTM debt securities at September 30, 2023, by contractual maturity, are presented in the following table (in thousands) . Expected maturities may differ from contractual maturities because issuers and borrowers may have the right to call or prepay obligations. AFS HTM Amortized Cost Fair Value Amortized Cost Fair Value Within 1 year: U.S. Treasuries $ 183,791 $ 183,807 $ — $ — U.S. Government agencies & GSEs 284 280 — — State and political subdivisions 2,019 1,969 1,200 1,198 Corporate bonds 9,601 9,316 — — 195,695 195,372 1,200 1,198 1 to 5 years: U.S. Treasuries 114,152 100,023 19,857 17,266 U.S. Government agencies & GSEs 39,182 35,445 — — State and political subdivisions 26,560 23,998 28,316 25,992 Corporate bonds 155,080 139,674 — — 334,974 299,140 48,173 43,258 5 to 10 years: U.S. Government agencies & GSEs 66,994 57,698 72,566 58,057 State and political subdivisions 49,741 39,977 42,809 34,348 Corporate bonds 53,099 44,945 — — Supranational entities — — 15,000 11,874 169,834 142,620 130,375 104,279 More than 10 years: U.S. Government agencies & GSEs 136,182 131,272 26,423 19,716 State and political subdivisions 104,941 90,301 221,862 161,168 Corporate bonds 804 870 — — 241,927 222,443 248,285 180,884 Debt securities not due at a single maturity date: Asset-backed securities 177,876 174,055 — — Residential MBS 1,761,591 1,546,422 1,407,762 1,130,015 Commercial MBS 693,916 602,060 682,978 532,730 2,633,383 2,322,537 2,090,740 1,662,745 Total $ 3,575,813 $ 3,182,112 $ 2,518,773 $ 1,992,364
Schedule of AFS Securities Sales Activity	The following table summarizes AFS securities sales activity for the three and nine months ended September 30, 2023 and 2022 (in thousands). Three Months Ended Nine Months Ended 2023 2022 2023 2022 Proceeds from sales $ 214,573 $ — $ 595,234 $ 281,521 Gross realized gains $ — $ — $ 1,373 $ 1,009 Gross realized losses — — (3,017) (4,697) Securities gains (losses), net $ — $ — $ (1,644) $ (3,688) Income tax expense (benefit) attributable to sales $ — $ — $ (374) $ (979)

Loans and Leases and Allowanc_2

Loans and Leases and Allowance for Credit Losses (Tables)	9 Months Ended
	Sep. 30, 2023
Receivables [Abstract]
Schedule of Major Classifications of Loan Portfolio	Major classifications of the loan and lease portfolio (collectively referred to as the “loan portfolio” or “loans”) are summarized as of the dates indicated as follows (in thousands) . September 30, 2023 December 31, 2022 Owner occupied commercial real estate $ 3,278,582 $ 2,734,666 Income producing commercial real estate 4,130,099 3,261,626 Commercial & industrial 2,504,330 2,252,322 Commercial construction 1,849,507 1,597,848 Equipment financing 1,534,352 1,374,251 Total commercial 13,296,870 11,220,713 Residential mortgage 3,043,120 2,355,061 Home equity 940,729 850,269 Residential construction 398,765 442,553 Manufactured housing 343,219 316,741 Consumer 180,104 149,290 Total loans 18,202,807 15,334,627 Less allowance for credit losses - loans (201,557) (159,357) Loans, net $ 18,001,250 $ 15,175,270
Schedule of Loans Held for Investment Sold	The following table presents the amortized cost of certain loans held for investment that were sold in the periods indicated (in thousands). The gains on these loan sales were included in noninterest income on the consolidated statements of income. Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Guaranteed portion of SBA/USDA loans $ 26,381 $ 20,405 $ 70,223 $ 87,867 Equipment financing receivables 37,671 21,557 76,945 65,534 Total $ 64,052 $ 41,962 $ 147,168 $ 153,401
Schedule of Components of Net Investment in Leases	At September 30, 2023 and December 31, 2022, equipment financing receivables included leases of $65.7 million and $46.0 million, respectively. The components of the net investment in leases, which included both sales-type and direct financing, are presented below (in thousands) . September 30, 2023 December 31, 2022 Minimum future lease payments receivable $ 71,773 $ 49,723 Estimated residual value of leased equipment 3,971 2,804 Initial direct costs 1,349 767 Security deposits (418) (429) Unearned income (10,997) (6,877) Net investment in leases $ 65,678 $ 45,988
Schedule of Minimum Future Lease Payments Expected to be Received from Equipment Financing Lease Contracts	Minimum future lease payments expected to be received from equipment financing lease contracts as of September 30, 2023 were as follows (in thousands) : Year Remainder of 2023 $ 6,138 2024 22,773 2025 18,549 2026 13,320 2027 8,589 Thereafter 2,404 Total $ 71,773
Schedule of Loans by Aging Category, Accrual Status and Days Past Due Category	The following table presents the aging of the amortized cost basis in loans by aging category and accrual status as of the dates indicated (in thousands) . Past due status is based on contractual terms of the loan. The accrual of interest is generally discontinued when a loan becomes 90 days past due. Accruing Current Loans Loans Past Due 30 - 59 Days 60 - 89 Days > 90 Days Nonaccrual Loans Total Loans As of September 30, 2023 Owner occupied commercial real estate $ 3,271,847 $ 1,303 $ 298 $ — $ 5,134 $ 3,278,582 Income producing commercial real estate 4,099,376 409 59 — 30,255 4,130,099 Commercial & industrial 2,485,006 5,575 367 — 13,382 2,504,330 Commercial construction 1,848,362 80 — — 1,065 1,849,507 Equipment financing 1,517,824 4,068 3,254 — 9,206 1,534,352 Total commercial 13,222,415 11,435 3,978 — 59,042 13,296,870 Residential mortgage 3,026,653 3,995 579 — 11,893 3,043,120 Home equity 934,376 1,285 1,057 2 4,009 940,729 Residential construction 394,566 2,125 — — 2,074 398,765 Manufactured housing 317,831 10,388 2,289 — 12,711 343,219 Consumer 179,314 498 203 — 89 180,104 Total loans $ 18,075,155 $ 29,726 $ 8,106 $ 2 $ 89,818 $ 18,202,807 As of December 31, 2022 Owner occupied commercial real estate $ 2,731,574 $ 1,522 $ 1,047 $ — $ 523 $ 2,734,666 Income producing commercial real estate 3,257,232 468 41 — 3,885 3,261,626 Commercial & industrial 2,234,284 3,288 274 6 14,470 2,252,322 Commercial construction 1,597,268 447 — — 133 1,597,848 Equipment financing 1,362,622 4,285 1,906 — 5,438 1,374,251 Total commercial 11,182,980 10,010 3,268 6 24,449 11,220,713 Residential mortgage 2,342,196 1,939 7 — 10,919 2,355,061 Home equity 844,888 2,709 784 — 1,888 850,269 Residential construction 441,673 20 455 — 405 442,553 Manufactured housing 302,386 6,913 924 — 6,518 316,741 Consumer 148,943 237 48 9 53 149,290 Total loans $ 15,263,066 $ 21,828 $ 5,486 $ 15 $ 44,232 $ 15,334,627
Schedule of Nonaccrual Loans by Loan Class	The following table presents nonaccrual loans held for investment by loan class for the periods indicated (in thousands) . Nonaccrual Loans September 30, 2023 December 31, 2022 With no allowance With an allowance Total With no allowance With an allowance Total Owner occupied commercial real estate $ 4,702 $ 432 $ 5,134 $ 276 $ 247 $ 523 Income producing commercial real estate 11,117 19,138 30,255 3,798 87 3,885 Commercial & industrial 11,448 1,934 13,382 13,917 553 14,470 Commercial construction 1,004 61 1,065 69 64 133 Equipment financing 19 9,187 9,206 85 5,353 5,438 Total commercial 28,290 30,752 59,042 18,145 6,304 24,449 Residential mortgage 2,222 9,671 11,893 2,159 8,760 10,919 Home equity 1,405 2,604 4,009 430 1,458 1,888 Residential construction 1,405 669 2,074 311 94 405 Manufactured housing — 12,711 12,711 — 6,518 6,518 Consumer 1 88 89 3 50 53 Total $ 33,323 $ 56,495 $ 89,818 $ 21,048 $ 23,184 $ 44,232
Schedule of Amortized Cost of Loans by Risk Category by Vintage Year	The following tables present the risk category of term loans and, for 2023, gross charge-offs by vintage year, which is the year of origination or most recent renewal, as of the date indicated (in thousands) . Term Loans by Origination Year Revolvers Revolvers converted to term loans Total As of September 30, 2023 2023 2022 2021 2020 2019 Prior Owner occupied commercial real estate Pass $ 548,702 $ 697,407 $ 648,517 $ 591,130 $ 212,522 $ 369,305 $ 108,956 $ 17,900 $ 3,194,439 Special Mention 2,739 5,515 4,189 5,859 9,722 3,045 — 256 31,325 Substandard 6,908 7,611 4,345 13,341 4,981 11,587 1,327 2,718 52,818 Total owner occupied commercial real estate $ 558,349 $ 710,533 $ 657,051 $ 610,330 $ 227,225 $ 383,937 $ 110,283 $ 20,874 $ 3,278,582 Current period gross charge-offs $ 207 $ — $ — $ 656 $ — $ — $ — $ — $ 863 Income producing commercial real estate Pass $ 480,148 $ 943,710 $ 798,023 $ 761,973 $ 306,892 $ 466,308 $ 56,787 $ 12,413 $ 3,826,254 Special Mention 42,427 37,350 19,078 26,535 35,108 9,627 — — 170,125 Substandard 37,236 20,604 8,061 20,766 17,418 29,579 — 56 133,720 Total income producing commercial real estate $ 559,811 $ 1,001,664 $ 825,162 $ 809,274 $ 359,418 $ 505,514 $ 56,787 $ 12,469 $ 4,130,099 Current period gross charge-offs $ 3,033 $ 2,534 $ — $ — $ — $ 2,291 $ — $ — $ 7,858 Commercial & industrial Pass $ 536,057 $ 475,831 $ 316,737 $ 141,890 $ 105,098 $ 172,251 $ 583,560 $ 14,397 $ 2,345,821 Special Mention 5,901 2,843 3,788 5,624 8,490 776 25,636 294 53,352 Substandard 18,786 5,802 25,867 6,583 4,265 2,060 39,830 1,964 105,157 Total commercial & industrial $ 560,744 $ 484,476 $ 346,392 $ 154,097 $ 117,853 $ 175,087 $ 649,026 $ 16,655 $ 2,504,330 Current period gross charge-offs $ 5,433 $ 1,551 $ 13,056 $ 2,379 $ 315 $ 41 $ — $ 1,578 $ 24,353 Commercial construction Pass $ 508,200 $ 668,556 $ 333,915 $ 177,196 $ 58,028 $ 29,494 $ 56,061 $ 899 $ 1,832,349 Special Mention 57 129 8 50 — — — — 244 Substandard 6,612 1,004 6,838 2,136 — 87 — 237 16,914 Total commercial construction $ 514,869 $ 669,689 $ 340,761 $ 179,382 $ 58,028 $ 29,581 $ 56,061 $ 1,136 $ 1,849,507 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Equipment financing Pass $ 557,422 $ 544,029 $ 266,554 $ 99,360 $ 51,089 $ 5,637 $ — $ — $ 1,524,091 Substandard 961 4,106 2,996 1,287 880 31 — — 10,261 Total equipment financing $ 558,383 $ 548,135 $ 269,550 $ 100,647 $ 51,969 $ 5,668 $ — $ — $ 1,534,352 Current period gross charge-offs $ 32 $ 6,840 $ 5,818 $ 1,244 $ 748 $ 312 $ — $ — $ 14,994 Residential mortgage Pass $ 652,060 $ 959,694 $ 746,217 $ 326,186 $ 86,697 $ 254,232 $ 402 $ 3,468 $ 3,028,956 Substandard 443 2,499 1,573 887 1,565 6,944 — 253 14,164 Total residential mortgage $ 652,503 $ 962,193 $ 747,790 $ 327,073 $ 88,262 $ 261,176 $ 402 $ 3,721 $ 3,043,120 Current period gross charge-offs $ — $ 23 $ — $ — $ — $ 38 $ — $ — $ 61 Home equity Pass $ — $ — $ — $ — $ — $ — $ 909,429 $ 27,059 $ 936,488 Substandard — — — — — — 38 4,203 4,241 Total home equity $ — $ — $ — $ — $ — $ — $ 909,467 $ 31,262 $ 940,729 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ 167 $ 167 Residential construction Pass $ 213,572 $ 138,093 $ 29,365 $ 5,527 $ 1,203 $ 6,435 $ — $ 94 $ 394,289 Substandard 2,639 1,163 425 7 18 224 — — 4,476 Total residential construction $ 216,211 $ 139,256 $ 29,790 $ 5,534 $ 1,221 $ 6,659 $ — $ 94 $ 398,765 Current period gross charge-offs $ — $ 1,111 $ — $ — $ — $ — $ — $ — $ 1,111 Manufactured housing Pass $ 45,600 $ 71,672 $ 50,298 $ 45,392 $ 32,324 $ 83,385 $ — $ — $ 328,671 Substandard 436 3,834 3,196 2,214 1,037 3,831 — — 14,548 Total consumer $ 46,036 $ 75,506 $ 53,494 $ 47,606 $ 33,361 $ 87,216 $ — $ — $ 343,219 Current period gross charge-offs $ 3 $ 1,097 $ 503 $ 300 $ 205 $ 337 $ — $ — $ 2,445 Consumer Pass $ 74,136 $ 46,324 $ 20,955 $ 11,624 $ 1,644 $ 1,013 $ 24,053 $ 175 $ 179,924 Substandard 20 64 56 23 — 17 — — 180 Total consumer $ 74,156 $ 46,388 $ 21,011 $ 11,647 $ 1,644 $ 1,030 $ 24,053 $ 175 $ 180,104 Current period gross charge-offs $ 2,472 $ 120 $ 229 $ 29 $ 14 $ 1 $ 1 $ 141 $ 3,007 Term Loans Revolvers Revolvers converted to term loans Total As of December 31, 2022 2022 2021 2020 2019 2018 Prior Pass Owner occupied commercial real estate $ 669,451 $ 671,395 $ 611,900 $ 204,990 $ 127,738 $ 253,890 $ 114,975 $ 5,779 $ 2,660,118 Income producing commercial real estate 812,804 753,936 733,946 248,259 171,108 255,485 50,026 9,953 3,035,517 Commercial & industrial 535,594 388,851 186,292 134,789 119,547 71,503 670,161 15,880 2,122,617 Commercial construction 732,147 391,963 256,087 78,778 11,977 19,973 70,819 1,433 1,563,177 Equipment financing 714,044 374,030 162,463 93,690 22,753 1,214 — — 1,368,194 Total commercial 3,464,040 2,580,175 1,950,688 760,506 453,123 602,065 905,981 33,045 10,749,623 Residential mortgage 894,960 742,821 329,762 91,300 55,785 223,846 8 3,133 2,341,615 Home equity — — — — — — 824,153 23,948 848,101 Residential construction 344,443 82,289 4,478 1,742 1,545 7,549 — 31 442,077 Manufactured housing 78,097 54,976 48,908 34,836 31,060 61,148 — — 309,025 Consumer 71,899 29,322 15,406 3,987 1,837 588 25,963 126 149,128 4,853,439 3,489,583 2,349,242 892,371 543,350 895,196 1,756,105 60,283 14,839,569 Special Mention Owner occupied commercial real estate 4,236 8,036 4,641 10,299 1,232 11,596 3,875 279 44,194 Income producing commercial real estate 41,423 1,137 44,802 32,821 21,647 50 805 — 142,685 Commercial & industrial 1,695 21,745 2,686 1,047 1,244 167 10,449 309 39,342 Commercial construction 850 33 1,640 13,237 4,891 28 — — 20,679 Equipment financing — — — — — — — — — Total commercial 48,204 30,951 53,769 57,404 29,014 11,841 15,129 588 246,900 Residential mortgage — — — — — — — — — Home equity — — — — — — — — — Residential construction — — — — — — — — — Manufactured housing — — — — — — — — — Consumer — — — — — — — — — 48,204 30,951 53,769 57,404 29,014 11,841 15,129 588 246,900 Substandard Owner occupied commercial real estate 9,835 77 2,873 4,490 1,204 8,055 209 3,611 30,354 Income producing commercial real estate 52,384 1,357 1,867 4,180 13,209 10,365 — 62 83,424 Commercial & industrial 10,431 19,477 3,880 4,557 11,019 1,189 39,333 477 90,363 Commercial construction 133 — 45 2 3,876 9,693 — 243 13,992 Equipment financing 1,625 2,160 1,303 705 236 28 — — 6,057 Total commercial 74,408 23,071 9,968 13,934 29,544 29,330 39,542 4,393 224,190 Residential mortgage 1,195 964 1,364 1,836 2,589 5,296 — 202 13,446 Home equity — — — — — — 93 2,075 2,168 Residential construction 32 268 — 20 3 153 — — 476 Manufactured housing 1,130 1,267 1,427 990 1,188 1,714 — — 7,716 Consumer 20 77 34 1 25 4 1 — 162 76,785 25,647 12,793 16,781 33,349 36,497 39,636 6,670 248,158 Total $ 4,978,428 $ 3,546,181 $ 2,415,804 $ 966,556 $ 605,713 $ 943,534 $ 1,810,870 $ 67,541 $ 15,334,627
Schedule of Modifications to Borrowers Experiencing Financial Difficulty	The period-end amortized cost of loans modified under the terms of a FDM during the nine months ended September 30, 2023 is presented in the following table (in thousands). New FDMs Post-Modification Amortized Cost by Type of Modification Extension Payment Delay Payment Delay & Extension Rate Reduction & Extension Total % of Total Class of Receivable Nine Months Ended September 30, 2023 Owner occupied commercial real estate $ 782 $ 276 $ — $ — $ 1,058 — % Income producing commercial real estate 38,139 — — 35,369 73,508 1.8 % Commercial & industrial 4,029 13,673 1,663 — 19,365 0.8 Commercial construction — 366 — — 366 — Equipment financing 15,888 — 1,763 — 17,651 1.2 Residential mortgage 57 — — 930 987 — Residential construction — — — 47 47 — Manufactured housing — — — 256 256 0.1 Total loans $ 58,895 $ 14,315 $ 3,426 $ 36,602 $ 113,238 0.6
Schedule of Balance and Activity in the ACL by Portfolio Segment	The following table presents the balance and activity in the ACL by portfolio segment for the periods indicated (in thousands) . Three Months Ended September 30, 2023 2022 Beginning Balance Initial ACL -PCD loans (1) Charge-Offs Recoveries (Release) Provision Ending Balance Beginning Balance Charge-Offs Recoveries (Release) Provision Ending Balance Owner occupied commercial real estate $ 21,788 $ 92 $ (656) $ 74 $ 2,686 $ 23,984 $ 16,774 $ — $ 90 $ 2,192 $ 19,056 Income producing commercial real estate 38,775 3,092 (3,044) 33 6,732 45,588 33,284 (202) 26 (1,498) 31,610 Commercial & industrial 29,856 533 (19,702) 2,160 18,370 31,217 18,267 (373) 1,117 1,907 20,918 Commercial construction 22,276 — — 49 (1,686) 20,639 16,062 — (10) 1,902 17,954 Equipment financing 28,604 — (7,215) 890 8,083 30,362 18,409 (1,987) 866 3,277 20,565 Residential mortgage 25,431 — (16) 145 1,324 26,884 17,035 — 66 2,234 19,335 Home equity 10,609 — (22) 2,806 (3,594) 9,799 7,487 (27) 129 884 8,473 Residential construction 3,446 — (474) 133 (231) 2,874 2,086 — 109 109 2,304 Manufactured housing 9,204 — (1,171) 3 1,342 9,378 6,614 (225) 5 958 7,352 Consumer 716 — (863) 232 747 832 907 (1,010) 292 746 935 ACL - loans 190,705 3,717 (33,163) 6,525 33,773 201,557 136,925 (3,824) 2,690 12,711 148,502 ACL - unfunded commitments 21,572 — — — (3,505) 18,067 16,117 — — 2,681 18,798 Total ACL $ 212,277 $ 3,717 $ (33,163) $ 6,525 $ 30,268 $ 219,624 $ 153,042 $ (3,824) $ 2,690 $ 15,392 $ 167,300 Nine Months Ended September 30, 2023 2022 Beginning Balance Initial ACL - PCD loans (1) Charge-Offs Recoveries (Release) Provision Ending Balance Beginning Initial ACL - PCD loans (2) Charge- Recoveries (Release) Ending Owner occupied commercial real estate $ 19,834 $ 273 $ (863) $ 396 $ 4,344 $ 23,984 $ 14,282 $ 266 $ — $ 1,631 $ 2,877 $ 19,056 Income producing commercial real estate 32,082 3,399 (7,858) 1,357 16,608 45,588 24,156 4,366 (202) 432 2,858 31,610 Commercial & industrial 23,504 1,891 (24,353) 3,840 26,335 31,217 16,592 2,337 (4,978) 3,095 3,872 20,918 Commercial construction 20,120 39 — 191 289 20,639 9,956 2,857 (41) 548 4,634 17,954 Equipment financing 23,395 — (14,994) 2,757 19,204 30,362 16,290 — (4,644) 2,349 6,570 20,565 Residential mortgage 20,809 157 (61) 320 5,659 26,884 12,390 385 (53) 267 6,346 19,335 Home equity 8,707 534 (167) 2,977 (2,252) 9,799 6,568 60 (36) 565 1,316 8,473 Residential construction 2,049 124 (1,111) 162 1,650 2,874 1,847 1 — 208 248 2,304 Manufactured housing 8,098 — (2,445) 29 3,696 9,378 — 2,438 (533) 14 5,433 7,352 Consumer 759 4 (3,007) 709 2,367 832 451 27 (2,544) 879 2,122 935 ACL - loans 159,357 6,421 (54,859) 12,738 77,900 201,557 102,532 12,737 (13,031) 9,988 36,276 148,502 ACL - unfunded commitments 21,163 — — — (3,096) 18,067 10,992 — — — 7,806 18,798 Total ACL $ 180,520 $ 6,421 $ (54,859) $ 12,738 $ 74,804 $ 219,624 $ 113,524 $ 12,737 $ (13,031) $ 9,988 $ 44,082 $ 167,300 (1) For the three months ended September 30, 2023, represents the initial ACL related to PCD loans acquired in the First Miami transaction. For the three and nine months ended September 30, 2023, represents the initial ACL related to PCD loans acquired in the First Miami and Progress transactions. (2) Represents the initial ACL related to PCD loans acquired in the Reliant transaction during the nine months ended September 30, 2022.

Derivatives and Hedging Activ_2

Derivatives and Hedging Activities (Tables)	9 Months Ended
	Sep. 30, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Fair Value of Derivative Financial Instruments on Consolidated Balance Sheet	The table below presents the fair value of derivative financial instruments, which are included in other assets and other liabilities on the consolidated balance sheet, as of the dates indicated (in thousands) : September 30, 2023 December 31, 2022 Notional Amount Fair Value Notional Amount Fair Value Derivative Asset Derivative Liability Derivative Asset Derivative Liability Derivatives designated as hedging instruments: Cash flow hedge of subordinated debt $ 100,000 $ 16,632 $ — $ 100,000 $ 16,191 $ — Cash flow hedge of trust preferred securities 20,000 — — 20,000 — — Fair value hedge of AFS debt securities 666,286 — — — — — Total 786,286 16,632 — 120,000 16,191 — Derivatives not designated as hedging instruments: Customer derivative positions 1,158,829 89 103,620 1,097,578 341 86,358 Dealer offsets to customer derivative positions 1,158,691 35,370 83 1,097,578 22,393 274 Risk participations 85,442 — 4 88,586 15 1 Mortgage banking - loan commitment 61,864 1,031 — 19,685 394 — Mortgage banking - forward sales commitment 77,948 527 14 49,750 198 71 Bifurcated embedded derivatives 51,935 12,048 — 51,935 11,104 — Dealer offsets to bifurcated embedded derivatives 51,935 — 13,634 51,935 — 12,839 Total 2,646,644 49,065 117,355 2,457,047 34,445 99,543 Total derivatives $ 3,432,930 $ 65,697 $ 117,355 $ 2,577,047 $ 50,636 $ 99,543 Total gross derivative instruments $ 65,697 $ 117,355 $ 50,636 $ 99,543 Less: Amounts subject to master netting agreements (107) (107) (346) (346) Less: Cash collateral received/pledged (54,548) (14,179) (38,386) (13,089) Net amount $ 11,042 $ 103,069 $ 11,904 $ 86,108
Schedule of Effect of Derivatives in Hedging Relationships on the Consolidated Statement of Income	The table below presents the effect of derivatives in hedging relationships, all of which are interest rate contracts, on net interest income for the periods indicated (in thousands) . Affected Income Statement Line Item Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Fair value hedges: Brokered time deposits: Net income recognized Interest expense- deposits $ — $ — $ — $ 28 AFS securities: Recognized on derivative interest settlements $ 3,011 $ — $ 5,321 $ — Recognized on derivatives 9,139 — 23,028 — Recognized on hedged items (8,382) — (23,671) — Net income recognized Interest revenue- investment securities $ 3,768 $ — $ 4,678 $ — Cash flow hedges: Long-term debt (1) Interest expense- long term debt $ 42 $ (48) $ 2,098 $ (295) (1) Includes premium amortization expense excluded from the assessment of hedge effectiveness of $119,000 for both the three months ended September 30, 2023 and 2022, respectively, and $348,000 and $353,000 for the nine months ended September 30, 2023 and 2022, respectively.
Schedule of Fair Value Hedging Instruments, Carrying Value and Basis Adjustments	The table below presents the amortized cost of hedged AFS debt securities and cumulative fair value hedging basis adjustments for the periods presented (in thousands) . All fair value hedges of AFS debt securities at September 30, 2023 September 30, 2023 Balance Sheet Location Amortized Cost (1) Hedge Accounting Basis Adjustment Debt securities AFS $ 797,177 $ (23,671) (1) Excludes cumulative hedge accounting basis adjustment.
Schedule of Gains and Losses Recognized in Income on Derivatives Not Designated as Hedging Instruments	The table below presents the gains and losses recognized in income on derivatives not designated as hedging instruments for the periods indicated (in thousands) . Location of Gain (Loss) Recognized in Income on Derivatives Amount of Gain (Loss) Recognized in Income on Derivatives Three Months Ended Nine Months Ended September 30, 2023 2022 2023 2022 Customer derivatives and dealer offsets Other noninterest income $ 789 $ 471 $ 1,701 $ 1,685 Bifurcated embedded derivatives and dealer offsets Other noninterest income (651) (108) (1,658) 90 Mortgage banking derivatives Mortgage loan revenue 1,034 1,047 2,435 8,297 Risk participations Other noninterest income 19 (1) 161 93 $ 1,191 $ 1,409 $ 2,639 $ 10,165

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	9 Months Ended
	Sep. 30, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Carrying Amount of Goodwill and Other Intangible Assets	The carrying amount of goodwill and other intangible assets as of the dates indicated is summarized below (in thousands). September 30, 2023 December 31, 2022 Core deposit intangible $ 104,174 $ 46,900 Less: accumulated amortization (36,638) (26,112) Net core deposit intangible 67,536 20,788 Customer relationship intangible 8,400 8,400 Less: accumulated amortization (1,708) (1,114) Net customer relationship intangible 6,692 7,286 Total intangibles subject to amortization, net (1) 74,228 28,074 Goodwill 919,914 751,174 Total goodwill and other intangible assets, net $ 994,142 $ 779,248 (1) As intangible assets become fully amortized, they are excluded from balances presented.
Schedule of Changes in the Carrying Amounts of Goodwill	The following is a summary of changes in the carrying amounts of goodwill (in thousands) : Three Months Ended Nine Months Ended 2023 2022 2023 2022 Balance, beginning of period (1) $ 896,718 $ 751,174 $ 751,174 $ 452,007 Acquisitions 23,196 — 168,740 299,167 Balance, end of period (1) $ 919,914 $ 751,174 $ 919,914 $ 751,174
Schedule of Estimated Aggregate Amortization Expense for Future Periods	The estimated aggregate amortization expense for future periods for finite-lived intangibles is as follows (in thousands) : Remainder of 2023 $ 4,030 2024 14,872 2025 12,774 2026 10,896 2027 9,018 Thereafter 22,638 Total $ 74,228

Assets and Liabilities Measur_2

Assets and Liabilities Measured at Fair Value (Tables)	9 Months Ended
	Sep. 30, 2023
Fair Value Disclosures [Abstract]
Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis	The table below presents United’s assets and liabilities measured at fair value on a recurring basis as of the dates indicated, aggregated by the level in the fair value hierarchy within which those measurements fall (in thousands) . September 30, 2023 Level 1 Level 2 Level 3 Total Assets: AFS debt securities: U.S. Treasuries $ 283,830 $ — $ — $ 283,830 U.S. Government agencies & GSEs — 224,695 — 224,695 State and political subdivisions — 156,245 — 156,245 Residential MBS — 1,546,422 — 1,546,422 Commercial MBS — 602,060 — 602,060 Corporate bonds — 192,626 2,179 194,805 Asset-backed securities — 174,055 — 174,055 Equity securities with readily determinable fair values 8,400 1,576 — 9,976 Mortgage loans held for sale — 37,110 — 37,110 Deferred compensation plan assets 12,436 — — 12,436 Servicing rights for SBA/USDA loans — — 5,431 5,431 Residential mortgage servicing rights — — 38,234 38,234 Derivative financial instruments — 52,618 13,079 65,697 Total assets $ 304,666 $ 2,987,407 $ 58,923 $ 3,350,996 Liabilities: Deferred compensation plan liability $ 12,476 $ — $ — $ 12,476 Derivative financial instruments — 103,717 13,638 117,355 Total liabilities $ 12,476 $ 103,717 $ 13,638 $ 129,831 December 31, 2022 Level 1 Level 2 Level 3 Total Assets: AFS debt securities: U.S. Treasuries $ 149,352 $ — $ — $ 149,352 U.S. Government agencies & GSEs — 250,116 — 250,116 State and political subdivisions — 303,748 — 303,748 Residential MBS — 1,795,481 — 1,795,481 Commercial MBS — 671,912 — 671,912 Corporate bonds — 210,240 2,212 212,452 Asset-backed securities — 231,272 — 231,272 Equity securities with readily determinable fair values 12,278 1,359 — 13,637 Mortgage loans held for sale — 11,794 — 11,794 Deferred compensation plan assets 11,436 — — 11,436 Servicing rights for SBA/USDA loans — — 5,188 5,188 Residential mortgage servicing rights — — 36,559 36,559 Derivative financial instruments — 39,123 11,513 50,636 Total assets $ 173,066 $ 3,515,045 $ 55,472 $ 3,743,583 Liabilities: Deferred compensation plan liability $ 11,460 $ — $ — $ 11,460 Derivative financial instruments — 86,703 12,840 99,543 Total liabilities $ 11,460 $ 86,703 $ 12,840 $ 111,003
Schedule of Reconciliation of Assets Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs	The following table shows a reconciliation of the beginning and ending balances for the periods indicated for assets measured at fair value on a recurring basis using significant unobservable inputs that are classified as Level 3 values (in thousands) . 2023 2022 Derivative Derivative SBA/USDA loan servicing rights Residential mortgage servicing rights Corporate Bonds Derivative Derivative SBA/USDA loan servicing rights Residential mortgage servicing rights Corporate Bonds Three Months Ended September 30, Beginning balance $ 11,872 $ 12,564 $ 6,148 $ 37,194 $ 2,183 $ 10,199 $ 10,795 $ 6,167 $ 35,131 $ 2,287 Additions — — 525 826 — — — 411 704 — Sales and settlements — — (418) (534) — — — (220) (602) — Fair value adjustments included in OCI — — — — (4) — — — — (61) Fair value adjustments included in earnings 1,207 1,074 (824) 748 — 1,819 2,866 (280) 1,921 — Ending balance $ 13,079 $ 13,638 $ 5,431 $ 38,234 $ 2,179 $ 12,018 $ 13,661 $ 6,078 $ 37,154 $ 2,226 Nine Months Ended September 30, Beginning balance $ 11,513 $ 12,840 $ 5,188 $ 36,559 $ 2,212 $ 6,758 $ 5,048 $ 6,513 $ 25,161 $ 2,395 Business combinations — — 95 — — — — — — — Additions — 170 1,449 2,306 — — 99 1,799 4,594 — Transfers from Level 3 — — — — — (290) — — — — Sales and settlements (11) — (869) (1,482) — — (1) (857) (1,916) — Fair value adjustments included in OCI — — — — (33) — — — — (169) Fair value adjustments included in earnings 1,577 628 (432) 851 — 5,550 8,515 (1,377) 9,315 — Ending balance $ 13,079 $ 13,638 $ 5,431 $ 38,234 $ 2,179 $ 12,018 $ 13,661 $ 6,078 $ 37,154 $ 2,226
Schedule of Reconciliation of Liabilities Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs	The following table shows a reconciliation of the beginning and ending balances for the periods indicated for assets measured at fair value on a recurring basis using significant unobservable inputs that are classified as Level 3 values (in thousands) . 2023 2022 Derivative Derivative SBA/USDA loan servicing rights Residential mortgage servicing rights Corporate Bonds Derivative Derivative SBA/USDA loan servicing rights Residential mortgage servicing rights Corporate Bonds Three Months Ended September 30, Beginning balance $ 11,872 $ 12,564 $ 6,148 $ 37,194 $ 2,183 $ 10,199 $ 10,795 $ 6,167 $ 35,131 $ 2,287 Additions — — 525 826 — — — 411 704 — Sales and settlements — — (418) (534) — — — (220) (602) — Fair value adjustments included in OCI — — — — (4) — — — — (61) Fair value adjustments included in earnings 1,207 1,074 (824) 748 — 1,819 2,866 (280) 1,921 — Ending balance $ 13,079 $ 13,638 $ 5,431 $ 38,234 $ 2,179 $ 12,018 $ 13,661 $ 6,078 $ 37,154 $ 2,226 Nine Months Ended September 30, Beginning balance $ 11,513 $ 12,840 $ 5,188 $ 36,559 $ 2,212 $ 6,758 $ 5,048 $ 6,513 $ 25,161 $ 2,395 Business combinations — — 95 — — — — — — — Additions — 170 1,449 2,306 — — 99 1,799 4,594 — Transfers from Level 3 — — — — — (290) — — — — Sales and settlements (11) — (869) (1,482) — — (1) (857) (1,916) — Fair value adjustments included in OCI — — — — (33) — — — — (169) Fair value adjustments included in earnings 1,577 628 (432) 851 — 5,550 8,515 (1,377) 9,315 — Ending balance $ 13,079 $ 13,638 $ 5,431 $ 38,234 $ 2,179 $ 12,018 $ 13,661 $ 6,078 $ 37,154 $ 2,226
Schedule of Quantitative Information About Level 3 Fair Value Measurements for Fair Value on a Recurring Basis	The following table presents quantitative information about significant Level 3 inputs for fair value on a recurring basis as of the dates indicated. Level 3 Assets and Liabilities Valuation Technique Significant Unobservable Inputs September 30, 2023 December 31, 2022 Range Weighted Average Range Weighted Average SBA/USDA loan servicing rights Discounted cash flow Discount rate 9.6% - 25.0% 16.5 % 11.9% - 25.0% 17.5 % Prepayment rate 4.2 - 36.7 17.8 0.0 - 35.4 16.4 Residential mortgage servicing rights Discounted cash flow Discount rate 10.0 - 12.5 10.1 9.5 - 11.5 9.5 Prepayment rate 6.5 - 28.2 7.3 7.0 - 31.2 7.5 Corporate bonds Discounted cash flow Discount rate 6.8 - 7.3 7.1 6.1 - 6.4 6.3 Derivative assets - mortgage Internal model Pull through rate 60.0 - 100 89.2 26.5 - 100 90.7 Derivative assets and liabilities - other Dealer priced Dealer priced N/A N/A N/A N/A
Schedule of Loans Held for Sale at Fair Value Under the Fair Value Option	The following tables present the fair value and outstanding principal balance of loans accounted for under the fair value option, as well as the gain or loss recognized from the change in fair value for the periods indicated (in thousands) . Mortgage Loans Held for Sale September 30, 2023 December 31, 2022 Outstanding principal balance $ 36,317 $ 11,473 Fair value 37,110 11,794 Gain (Loss) from Change in Fair Value on Mortgage Loans Held for Sale Location Three Months Ended Nine Months Ended 2023 2022 2023 2022 Mortgage loan gains and other related fees $ 209 $ (809) $ 473 $ (1,820)
Schedule of Presentation of Assets Measured at Fair Value on Nonrecurring Basis	The following table presents the fair value hierarchy and carrying value of assets that were still held as of September 30, 2023 and December 31, 2022, for which a nonrecurring fair value adjustment was recorded during the year-to-date periods presented (in thousands) . Level 1 Level 2 Level 3 Total September 30, 2023 Loans held for investment $ — $ — $ 37,236 $ 37,236 December 31, 2022 Loans held for investment $ — $ — $ 7,808 $ 7,808 Mortgage loans held for sale — — 1,806 1,806
Schedule of Carrying Amount and Fair Values for Other Financial Instruments that are not Measured at Fair Value on a Recurring Basis	The carrying amount and fair values as of the dates indicated for other financial instruments that are not measured at fair value on a recurring basis are as follows (in thousands) . Fair Value Level Carrying Amount Level 1 Level 2 Level 3 Total September 30, 2023 Assets: HTM debt securities $ 2,518,773 $ 17,266 $ 1,975,098 $ — $ 1,992,364 Loans and leases, net 18,001,250 — — 17,215,625 17,215,625 Liabilities: Deposits 22,857,868 — 22,849,880 — 22,849,880 Long-term debt 324,786 — — 307,234 307,234 December 31, 2022 Assets: HTM debt securities $ 2,613,648 $ 17,417 $ 2,173,656 $ — $ 2,191,073 Loans and leases, net 15,175,270 — — 14,609,239 14,609,239 Liabilities: Deposits 19,876,507 — 19,863,380 — 19,863,380 FHLB advances 550,000 — — 549,913 549,913 Long-term debt 324,663 — — 313,380 313,380

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	9 Months Ended
	Sep. 30, 2023
Share-Based Payment Arrangement [Abstract]
Schedule of Restricted Stock Units and Options Outstanding and Activity	The table below presents restricted stock unit and option activity for the nine months ended September 30, 2023. Restricted Stock Unit Awards Options Shares Weighted- Aggregate Shares Weighted- Weighted- Aggregate Outstanding at December 31, 2022 778,686 $ 28.28 40,338 $ 11.88 Granted 529,611 29.11 643,298 20.91 Released / Exercised (264,031) 25.99 $ 7,861 (271,124) 19.08 $ 2,367 Cancelled (50,110) 30.32 (4,620) 25.97 Outstanding at September 30, 2023 994,156 29.23 25,262 407,892 21.17 5.4 1,769 Vested / Exercisable at September 30, 2023 — — 407,892 21.17 5.4 1,769

Reclassifications Out of AOCI (

Reclassifications Out of AOCI (Tables)	9 Months Ended
	Sep. 30, 2023
Equity [Abstract]
Schedule of Reclassifications Out of AOCI	The following table presents the details regarding amounts reclassified out of AOCI for the periods indicated (in thousands) . Amounts shown in parentheses reduce earnings. Details about AOCI Components Three Months Ended Nine Months Ended Affected Line Item in the Statement Where Net Income is Presented 2023 2022 2023 2022 Realized losses on AFS securities: $ — $ — $ (1,644) $ (3,688) Securities losses, net — — 374 979 Income tax benefit $ — $ — $ (1,270) $ (2,709) Net of tax Amortization of unrealized losses on HTM securities transferred from AFS: $ (2,478) $ (4,473) $ (7,964) $ (6,242) Investment securities interest revenue 593 1,073 1,917 1,495 Income tax benefit $ (1,885) $ (3,400) $ (6,047) $ (4,747) Net of tax Reclassifications related to derivative instruments accounted for as cash flow hedges: Interest rate contracts $ 42 $ (48) $ 2,098 $ (295) Long-term debt interest expense (11) 12 (536) 75 Income tax (expense) benefit $ 31 $ (36) $ 1,562 $ (220) Net of tax Amortization of defined benefit pension plan net periodic pension cost components: Prior service cost $ (61) $ (91) $ (183) $ (276) Salaries and employee benefits expense Actuarial losses — (78) — (234) Other expense (61) (169) (183) (510) Total before tax 16 43 47 130 Income tax benefit $ (45) $ (126) $ (136) $ (380) Net of tax Total reclassifications for the period $ (1,899) $ (3,562) $ (5,891) $ (8,056) Net of tax

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2023
Earnings Per Share [Abstract]
Schedule of Computation of Basic and Diluted Earnings Per Share	The following table sets forth the computation of basic and diluted earnings per share for the periods indicated (in thousands, except per share data) . Three Months Ended Nine Months Ended 2023 2022 2023 2022 Net income $ 47,866 $ 81,161 $ 173,454 $ 196,022 Dividends on preferred stock (1,624) (1,719) (5,062) (5,157) Discount on preferred shares repurchased 792 — 792 — Earnings allocated to participating securities (259) (407) (939) (1,007) Net income available to common shareholders $ 46,775 $ 79,035 $ 168,245 $ 189,858 Weighted average shares outstanding: Basic 119,506 106,687 116,925 106,616 Effect of dilutive securities: Stock options 95 38 141 40 Restricted stock units 23 75 18 76 Diluted 119,624 106,800 117,084 106,732 Net income per common share: Basic $ 0.39 $ 0.74 $ 1.44 $ 1.78 Diluted $ 0.39 $ 0.74 $ 1.44 $ 1.78

Regulatory Matters (Tables)

Regulatory Matters (Tables)	9 Months Ended
	Sep. 30, 2023
Regulatory Capital Requirements Under Banking Regulations [Abstract]
Schedule of Minimum Amounts Required for Capital Adequacy Purposes	Regulatory capital ratios at September 30, 2023 and December 31, 2022, along with the minimum amounts required for capital adequacy purposes and to be well-capitalized under regulatory requirements in effect at such times, are presented below for United and the Bank (dollars in thousands) : United Community Banks, Inc. United Community Bank Minimum (1) Well- September 30, December 31, September 30, December 31, Risk-based ratios: CET1 capital 4.5 % 6.5 % 12.15 % 12.26 % 12.26 % 12.83 % Tier 1 capital 6.0 8.0 12.60 12.81 12.26 12.83 Total capital 8.0 10.0 14.45 14.79 13.25 13.70 Leverage ratio 4.0 5.0 9.70 9.69 9.43 9.69 CET1 capital $ 2,445,212 $ 2,164,211 $ 2,457,791 $ 2,255,337 Tier 1 capital 2,535,495 2,260,633 2,457,791 2,255,337 Total capital 2,907,824 2,610,216 2,654,380 2,408,895 Risk-weighted assets 20,129,470 17,648,573 20,039,784 17,583,347 Average total assets for the leverage ratio 26,141,324 23,322,018 26,059,562 23,285,253 (1) As of September 30, 2023 and December 31, 2022 the additional capital conservation buffer in effect was 2.50%

Commitments and Contingencies (

Commitments and Contingencies (Tables)	9 Months Ended
	Sep. 30, 2023
Commitments and Contingencies Disclosure [Abstract]
Schedule of Contractual Amount of Off-balance Sheet Instruments	The following table summarizes the contractual amount of off-balance sheet instruments as of the dates indicated (in thousands) . September 30, 2023 December 31, 2022 Financial instruments whose contract amounts represent credit risk: Commitments to extend credit $ 4,608,549 $ 4,683,790 Letters of credit 56,455 46,896
Schedule of Tax Credit and Certain Equity Method Investments	The following table summarizes, as of the dates indicated, tax credit and certain equity method investments (in thousands) : Balance Sheet Location September 30, 2023 December 31, 2022 Investments in LIHTC: Carrying amount Other assets $ 50,432 $ 50,054 Amount of future funding commitments included in carrying amount Other liabilities 14,990 18,090 Renewable energy investments: Carrying amount Other assets 37,343 19,617 Amount of future funding commitments included in carrying amount Other liabilities 15,795 18,781 Fintech funds and certain other equity method investments: Carrying amount Other assets 38,209 27,569 Amount of future funding commitments included in carrying amount Other liabilities 5,786 470 Amount of future funding commitments not included in carrying amount N/A 25,918 23,690

Short-term Borrowings (Tables)

Short-term Borrowings (Tables)	9 Months Ended
	Sep. 30, 2023
Debt Disclosure [Abstract]
Schedule of Repurchase Agreements	At September 30, 2023 and December 31, 2022, short-term borrowings consisted of repurchase agreements, which are borrowings secured by investment securities. The following table presents the remaining contractual maturity of repurchase agreements by collateral pledged as of the date indicated (in thousands) . Remaining Contractual Maturity of the Agreements Overnight and Continuous Up to 30 Days 30-90 Days Greater than 90 days Total September 30, 2023 U.S. Government agencies & GSEs 37,348 — — — 37,348 Total $ 37,348 $ — $ — $ — $ 37,348 December 31, 2022 U.S. Treasuries $ 158,933 $ — $ — $ — $ 158,933 Total $ 158,933 $ — $ — $ — $ 158,933

Supplemental Cash Flow Inform_3

Supplemental Cash Flow Information (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2023	Sep. 30, 2022
Significant non-cash investing and financing transactions:
Commitments to fund equity investments		$ 16,410	$ 0
Transfers of AFS securities to HTM securities		0	1,288,982
Acquisitions:
Assets acquired		2,922,243	3,254,173
Liabilities assumed		2,527,654	2,657,173
Net assets acquired		394,589	597,000
Common stock issued and options converted	$ 87,679	$ 394,140	$ 596,376

Acquisitions - Narrative (Detai

Acquisitions - Narrative (Details)			3 Months Ended		9 Months Ended
	Jul. 01, 2023 USD ($) branch	Jan. 03, 2023 USD ($) numberOfBankBranche	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)
Business Acquisition [Line Items]
Merger-related and other charges			$ 9,168,000	$ 1,746,000	$ 21,444,000	$ 17,905,000
First Miami Bancorp, Inc
Business Acquisition [Line Items]
Number of banking branches | branch	3
Goodwill expected to be tax deductible	$ 0
First Miami Bancorp, Inc | Merger-related costs
Business Acquisition [Line Items]
Merger-related and other charges			6,530,000		6,910,000
First Miami Bancorp, Inc | Core deposit intangible
Business Acquisition [Line Items]
Expected useful life of acquired intangible (in years)	10 years
Progress
Business Acquisition [Line Items]
Number of banking branches | numberOfBankBranche		13
Goodwill expected to be tax deductible		$ 0
Progress | Merger-related costs
Business Acquisition [Line Items]
Merger-related and other charges			$ 182,000		$ 9,960,000
Progress | Core deposit intangible
Business Acquisition [Line Items]
Expected useful life of acquired intangible (in years)		10 years
Reliant | Merger-related costs
Business Acquisition [Line Items]
Merger-related and other charges				$ 760,000		$ 14,800,000

Acquisitions - Purchased Assets

Acquisitions - Purchased Assets and Assumed Liabilities (Details) - USD ($) $ in Thousands	Jul. 01, 2023	Jan. 03, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021
Liabilities
Goodwill			$ 919,914	$ 896,718	$ 751,174	$ 751,174	$ 751,174	$ 452,007
First Miami Bancorp, Inc
Assets
Cash and cash equivalents	$ 150,467
Debt securities	216,703
Loans held for investment	577,183
Premises and equipment	11,905
Core deposit intangible	17,950
Other assets	20,909
Total assets acquired	995,117
Liabilities
Deposits	865,387
Short-term borrowings	47,664
Other liabilities	17,581
Total liabilities assumed	930,632
Total identifiable net assets	64,485
Cash	2
Common stock issued in acquisition	87,679
Total fair value of consideration transferred	87,681
Goodwill	$ 23,196
Progress
Assets
Cash and cash equivalents		$ 57,548
Debt securities		111,006
Loans held for sale		2,087
Loans held for investment		1,442,959
Premises and equipment		21,118
Bank-owned life insurance		40,723
Core deposit intangible		39,980
Other assets		42,965
Total assets acquired		1,758,386
Liabilities
Deposits		1,334,476
Short-term borrowings		141,017
Federal Home Loan Bank advances		95,000
Other liabilities		26,529
Total liabilities assumed		1,597,022
Total identifiable net assets		161,364
Cash		447
Common stock issued in acquisition		296,444
Options converted		10,017
Total fair value of consideration transferred		306,908
Goodwill		$ 145,544
Common stock issued (in shares)	3,508,604	8,770,531

Acquisitions - Acquired Loan Po

Acquisitions - Acquired Loan Portfolio at Acquisition (Details) - USD ($) $ in Thousands			3 Months Ended	9 Months Ended
	Jul. 01, 2023	Jan. 03, 2023	Sep. 30, 2023	Sep. 30, 2023	Sep. 30, 2022
PCD loans:
ACL at acquisition			$ (3,717)	$ (6,421)	$ (12,737)
First Miami Bancorp, Inc
Non-PCD loans:
Fair value	$ 492,605
Gross contractual amounts receivable	622,181
Estimate of contractual cash flows not expected to be collected	7,012
First Miami Bancorp, Inc | Purchased loans
PCD loans:
Par value	94,902
ACL at acquisition	(3,717)
Non-credit discount	(6,607)
Purchase price	$ 84,578
Progress
Non-PCD loans:
Fair value		$ 1,380,900
Gross contractual amounts receivable		1,626,243
Estimate of contractual cash flows not expected to be collected		9,287
Progress | Purchased loans
PCD loans:
Par value		64,913
ACL at acquisition		(2,704)
Non-credit discount		(150)
Purchase price		$ 62,059

Acquisitions - Pro Forma Inform

Acquisitions - Pro Forma Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Business Acquisition [Line Items]
Supplemental consolidated pro forma revenue	$ 207,523	$ 246,612	$ 667,155	$ 691,694
Supplemental consolidated pro forma net income (loss)	55,538	83,642	197,929	215,264
Progress
Business Acquisition [Line Items]
Actual revenue included since acquisition date	16,934		41,555
Actual net income (loss) included since acquisition date	7,569		12,667
First Miami Bancorp, Inc
Business Acquisition [Line Items]
Actual revenue included since acquisition date	3,488		3,488
Actual net income (loss) included since acquisition date	$ (3,330)		$ (3,330)
Reliant
Business Acquisition [Line Items]
Actual revenue included since acquisition date		29,618		72,685
Actual net income (loss) included since acquisition date		$ 16,516		$ 32,931

Investment Securities - Amortiz

Investment Securities - Amortized Cost Basis, Unrealized Gains and Losses and Fair value of HTM Debt Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
HTM debt securities:
Amortized Cost	$ 2,518,773	$ 2,613,648
Gross Unrealized Gains	4	91
Gross Unrealized Losses	526,413	422,666
Fair Value	1,992,364	2,191,073
U.S. Treasuries
HTM debt securities:
Amortized Cost	19,857	19,834
Gross Unrealized Gains	0	0
Gross Unrealized Losses	2,591	2,417
Fair Value	17,266	17,417
U.S. Government agencies & GSEs
HTM debt securities:
Amortized Cost	98,989	99,679
Gross Unrealized Gains	0	0
Gross Unrealized Losses	21,216	18,169
Fair Value	77,773	81,510
State and political subdivisions
HTM debt securities:
Amortized Cost	294,187	295,945
Gross Unrealized Gains	4	56
Gross Unrealized Losses	71,485	64,340
Fair Value	222,706	231,661
Residential MBS, Agency & GSEs
HTM debt securities:
Amortized Cost	1,407,762	1,488,028
Gross Unrealized Gains	0	35
Gross Unrealized Losses	277,747	223,566
Fair Value	1,130,015	1,264,497
Commercial MBS, Agency & GSEs
HTM debt securities:
Amortized Cost	682,978	695,162
Gross Unrealized Gains	0	0
Gross Unrealized Losses	150,248	111,586
Fair Value	532,730	583,576
Supranational entities
HTM debt securities:
Amortized Cost	15,000	15,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	3,126	2,588
Fair Value	$ 11,874	$ 12,412

Investment Securities - Amort_2

Investment Securities - Amortized Cost Basis, Unrealized Gains and Losses and Fair Value of AFS Debt Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
AFS debt securities:
Amortized Cost	$ 3,575,813	$ 3,971,326
Gross Unrealized Gains	381	1,132
Gross Unrealized Losses	394,082	358,125
Fair Value	3,182,112	3,614,333
U.S. Treasuries
AFS debt securities:
Amortized Cost	297,943	163,972
Gross Unrealized Gains	25	0
Gross Unrealized Losses	14,138	14,620
Fair Value	283,830	149,352
U.S. Government agencies & GSEs
AFS debt securities:
Amortized Cost	242,642	266,347
Gross Unrealized Gains	255	463
Gross Unrealized Losses	18,202	16,694
Fair Value	224,695	250,116
State and political subdivisions
AFS debt securities:
Amortized Cost	183,261	329,723
Gross Unrealized Gains	0	151
Gross Unrealized Losses	27,016	26,126
Fair Value	156,245	303,748
Residential MBS, Agency & GSEs
AFS debt securities:
Amortized Cost	1,408,719	1,609,442
Gross Unrealized Gains	16	13
Gross Unrealized Losses	185,026	160,636
Fair Value	1,223,709	1,448,819
Residential MBS, Non-agency
AFS debt securities:
Amortized Cost	352,872	374,535
Gross Unrealized Gains	0	0
Gross Unrealized Losses	30,159	27,873
Fair Value	322,713	346,662
Commercial MBS, Agency & GSEs
AFS debt securities:
Amortized Cost	666,283	720,282
Gross Unrealized Gains	0	471
Gross Unrealized Losses	90,653	79,407
Fair Value	575,630	641,346
Commercial MBS, Non-agency
AFS debt securities:
Amortized Cost	27,633	31,624
Gross Unrealized Gains	0	0
Gross Unrealized Losses	1,203	1,058
Fair Value	26,430	30,566
Corporate bonds
AFS debt securities:
Amortized Cost	218,584	236,181
Gross Unrealized Gains	84	34
Gross Unrealized Losses	23,863	23,763
Fair Value	194,805	212,452
Asset-backed securities
AFS debt securities:
Amortized Cost	177,876	239,220
Gross Unrealized Gains	1	0
Gross Unrealized Losses	3,822	7,948
Fair Value	$ 174,055	$ 231,272

Investment Securities - Narrati

Investment Securities - Narrative (Details)	Sep. 30, 2023 USD ($) security	Dec. 31, 2022 USD ($)
Debt Securities, Available For Sale And Held To Maturity [Line Items]
Number of AFS debt securities in unrealized loss position | security	672
Number of HTM debt securities in unrealized loss position | security	331
Allowance for credit losses, HTM portfolio	$ 0	$ 0
Allowance for credit losses, AFS portfolio	0	0
Pledged securities | Interest expense- deposits
Debt Securities, Available For Sale And Held To Maturity [Line Items]
Securities	$ 4,170,000,000	$ 2,530,000,000

Investment Securities - HTM Deb

Investment Securities - HTM Debt Securities in Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	$ 26,362	$ 618,280
Unrealized Loss, Less than 12 Months	1,359	90,243
Fair Value, 12 Months or More	1,965,296	1,560,451
Unrealized Loss, 12 Months or More	525,054	332,423
Fair Value, Total	1,991,658	2,178,731
Unrealized Loss, Total	526,413	422,666
U.S. Treasuries
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	17,417
Unrealized Loss, Less than 12 Months	0	2,417
Fair Value, 12 Months or More	17,266	0
Unrealized Loss, 12 Months or More	2,591	0
Fair Value, Total	17,266	17,417
Unrealized Loss, Total	2,591	2,417
U.S. Government agencies & GSEs
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	10,687
Unrealized Loss, Less than 12 Months	0	1,813
Fair Value, 12 Months or More	77,773	70,823
Unrealized Loss, 12 Months or More	21,216	16,356
Fair Value, Total	77,773	81,510
Unrealized Loss, Total	21,216	18,169
State and political subdivisions
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	18,580	104,243
Unrealized Loss, Less than 12 Months	660	20,639
Fair Value, 12 Months or More	203,422	117,115
Unrealized Loss, 12 Months or More	70,825	43,701
Fair Value, Total	222,002	221,358
Unrealized Loss, Total	71,485	64,340
Residential MBS, Agency & GSEs
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	1,763	296,673
Unrealized Loss, Less than 12 Months	44	38,289
Fair Value, 12 Months or More	1,128,250	965,785
Unrealized Loss, 12 Months or More	277,703	185,277
Fair Value, Total	1,130,013	1,262,458
Unrealized Loss, Total	277,747	223,566
Commercial MBS, Agency & GSEs
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	6,019	176,848
Unrealized Loss, Less than 12 Months	655	24,497
Fair Value, 12 Months or More	526,711	406,728
Unrealized Loss, 12 Months or More	149,593	87,089
Fair Value, Total	532,730	583,576
Unrealized Loss, Total	150,248	111,586
Supranational entities
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	12,412
Unrealized Loss, Less than 12 Months	0	2,588
Fair Value, 12 Months or More	11,874	0
Unrealized Loss, 12 Months or More	3,126	0
Fair Value, Total	11,874	12,412
Unrealized Loss, Total	$ 3,126	$ 2,588

Investment Securities - AFS Deb

Investment Securities - AFS Debt Securities in Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	$ 186,873	$ 2,238,138
Unrealized Loss, Less than 12 Months	4,104	171,503
Fair Value, 12 Months or More	2,795,547	1,264,601
Unrealized Loss, 12 Months or More	389,978	186,622
Fair Value, Total	2,982,420	3,502,739
Unrealized Loss, Total	394,082	358,125
U.S. Treasuries
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	24,860	49,259
Unrealized Loss, Less than 12 Months	3	724
Fair Value, 12 Months or More	100,267	100,093
Unrealized Loss, 12 Months or More	14,135	13,896
Fair Value, Total	125,127	149,352
Unrealized Loss, Total	14,138	14,620
U.S. Government agencies & GSEs
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	33,990	93,015
Unrealized Loss, Less than 12 Months	155	2,124
Fair Value, 12 Months or More	163,009	108,093
Unrealized Loss, 12 Months or More	18,047	14,570
Fair Value, Total	196,999	201,108
Unrealized Loss, Total	18,202	16,694
State and political subdivisions
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	764	207,749
Unrealized Loss, Less than 12 Months	5	9,906
Fair Value, 12 Months or More	155,480	62,606
Unrealized Loss, 12 Months or More	27,011	16,220
Fair Value, Total	156,244	270,355
Unrealized Loss, Total	27,016	26,126
Residential MBS, Agency & GSEs
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	51,018	1,049,648
Unrealized Loss, Less than 12 Months	669	102,852
Fair Value, 12 Months or More	1,166,396	392,288
Unrealized Loss, 12 Months or More	184,357	57,784
Fair Value, Total	1,217,414	1,441,936
Unrealized Loss, Total	185,026	160,636
Residential MBS, Non-agency
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	338,399
Unrealized Loss, Less than 12 Months	0	27,095
Fair Value, 12 Months or More	322,713	8,263
Unrealized Loss, 12 Months or More	30,159	778
Fair Value, Total	322,713	346,662
Unrealized Loss, Total	30,159	27,873
Commercial MBS, Agency & GSEs
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	63,198	288,787
Unrealized Loss, Less than 12 Months	2,876	17,304
Fair Value, 12 Months or More	512,431	332,088
Unrealized Loss, 12 Months or More	87,777	62,103
Fair Value, Total	575,629	620,875
Unrealized Loss, Total	90,653	79,407
Commercial MBS, Non-agency
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	30,566
Unrealized Loss, Less than 12 Months	0	1,058
Fair Value, 12 Months or More	26,430	0
Unrealized Loss, 12 Months or More	1,203	0
Fair Value, Total	26,430	30,566
Unrealized Loss, Total	1,203	1,058
Corporate bonds
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	4,277	83,010
Unrealized Loss, Less than 12 Months	351	7,776
Fair Value, 12 Months or More	187,132	127,603
Unrealized Loss, 12 Months or More	23,512	15,987
Fair Value, Total	191,409	210,613
Unrealized Loss, Total	23,863	23,763
Asset-backed securities
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	8,766	97,705
Unrealized Loss, Less than 12 Months	45	2,664
Fair Value, 12 Months or More	161,689	133,567
Unrealized Loss, 12 Months or More	3,777	5,284
Fair Value, Total	170,455	231,272
Unrealized Loss, Total	$ 3,822	$ 7,948

Investment Securities - Accrued

Investment Securities - Accrued Interest Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
HTM
Accrued interest receivable
Accrued interest receivable	$ 6,040	$ 7,234
AFS
Accrued interest receivable
Accrued interest receivable	$ 10,983	$ 15,281

Investment Securities - Amort_3

Investment Securities - Amortized Cost and Fair value of AFS and HTM Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	$ 195,695
AFS, Amortized Cost, 1 to 5 years	334,974
AFS, Amortized Cost, 5 to 10 years	169,834
AFS, Amortized Cost, More than 10 years	241,927
AFS, Amortized Cost, Not due at single maturity	2,633,383
Amortized Cost	3,575,813	$ 3,971,326
AFS, Fair Value
AFS, Fair Value, Within 1 year	195,372
AFS, Fair Value, 1 to 5 years	299,140
AFS, Fair Value, 5 to 10 years	142,620
AFS, Fair Value, More than 10 years	222,443
AFS, Fair Value, Not due at single maturity	2,322,537
Fair Value	3,182,112	3,614,333
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	1,200
HTM, Amortized Cost, 1 to 5 years	48,173
HTM, Amortized Cost, 5 to 10 years	130,375
HTM, Amortized Cost, More than 10 years	248,285
HTM, Amortized Cost, Not due at single maturity	2,090,740
Amortized Cost	2,518,773	2,613,648
HTM, Fair Value
HTM, Fair Value, Within 1 year	1,198
HTM, Fair Value, 1 to 5 years	43,258
HTM, Fair Value, 5 to 10 years	104,279
HTM, Fair Value, More than 10 years	180,884
HTM, Fair Value, Not due at single maturity	1,662,745
Fair value	1,992,364	2,191,073
U.S. Treasuries
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	183,791
AFS, Amortized Cost, 1 to 5 years	114,152
Amortized Cost	297,943	163,972
AFS, Fair Value
AFS, Fair Value, Within 1 year	183,807
AFS, Fair Value, 1 to 5 years	100,023
Fair Value	283,830	149,352
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	0
HTM, Amortized Cost, 1 to 5 years	19,857
Amortized Cost	19,857	19,834
HTM, Fair Value
HTM, Fair Value, Within 1 year	0
HTM, Fair Value, 1 to 5 years	17,266
Fair value	17,266	17,417
U.S. Government agencies & GSEs
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	284
AFS, Amortized Cost, 1 to 5 years	39,182
AFS, Amortized Cost, 5 to 10 years	66,994
AFS, Amortized Cost, More than 10 years	136,182
Amortized Cost	242,642	266,347
AFS, Fair Value
AFS, Fair Value, Within 1 year	280
AFS, Fair Value, 1 to 5 years	35,445
AFS, Fair Value, 5 to 10 years	57,698
AFS, Fair Value, More than 10 years	131,272
Fair Value	224,695	250,116
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	0
HTM, Amortized Cost, 1 to 5 years	0
HTM, Amortized Cost, 5 to 10 years	72,566
HTM, Amortized Cost, More than 10 years	26,423
Amortized Cost	98,989	99,679
HTM, Fair Value
HTM, Fair Value, Within 1 year	0
HTM, Fair Value, 1 to 5 years	0
HTM, Fair Value, 5 to 10 years	58,057
HTM, Fair Value, More than 10 years	19,716
Fair value	77,773	81,510
State and political subdivisions
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	2,019
AFS, Amortized Cost, 1 to 5 years	26,560
AFS, Amortized Cost, 5 to 10 years	49,741
AFS, Amortized Cost, More than 10 years	104,941
Amortized Cost	183,261	329,723
AFS, Fair Value
AFS, Fair Value, Within 1 year	1,969
AFS, Fair Value, 1 to 5 years	23,998
AFS, Fair Value, 5 to 10 years	39,977
AFS, Fair Value, More than 10 years	90,301
Fair Value	156,245	303,748
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	1,200
HTM, Amortized Cost, 1 to 5 years	28,316
HTM, Amortized Cost, 5 to 10 years	42,809
HTM, Amortized Cost, More than 10 years	221,862
Amortized Cost	294,187	295,945
HTM, Fair Value
HTM, Fair Value, Within 1 year	1,198
HTM, Fair Value, 1 to 5 years	25,992
HTM, Fair Value, 5 to 10 years	34,348
HTM, Fair Value, More than 10 years	161,168
Fair value	222,706	231,661
Corporate bonds
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	9,601
AFS, Amortized Cost, 1 to 5 years	155,080
AFS, Amortized Cost, 5 to 10 years	53,099
AFS, Amortized Cost, More than 10 years	804
Amortized Cost	218,584	236,181
AFS, Fair Value
AFS, Fair Value, Within 1 year	9,316
AFS, Fair Value, 1 to 5 years	139,674
AFS, Fair Value, 5 to 10 years	44,945
AFS, Fair Value, More than 10 years	870
Fair Value	194,805	212,452
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	0
HTM, Amortized Cost, 1 to 5 years	0
HTM, Amortized Cost, 5 to 10 years	0
HTM, Amortized Cost, More than 10 years	0
HTM, Fair Value
HTM, Fair Value, Within 1 year	0
HTM, Fair Value, 1 to 5 years	0
HTM, Fair Value, 5 to 10 years	0
HTM, Fair Value, More than 10 years	0
Supranational entities
AFS, Amortized Cost
AFS, Amortized Cost, 5 to 10 years	0
AFS, Fair Value
AFS, Fair Value, 5 to 10 years	0
HTM, Amortized Cost
HTM, Amortized Cost, 5 to 10 years	15,000
Amortized Cost	15,000	15,000
HTM, Fair Value
HTM, Fair Value, 5 to 10 years	11,874
Fair value	11,874	12,412
Asset-backed securities
AFS, Amortized Cost
AFS, Amortized Cost, Not due at single maturity	177,876
Amortized Cost	177,876	239,220
AFS, Fair Value
AFS, Fair Value, Not due at single maturity	174,055
Fair Value	174,055	$ 231,272
HTM, Amortized Cost
HTM, Amortized Cost, Not due at single maturity	0
HTM, Fair Value
HTM, Fair Value, Not due at single maturity	0
Residential MBS
AFS, Amortized Cost
AFS, Amortized Cost, Not due at single maturity	1,761,591
AFS, Fair Value
AFS, Fair Value, Not due at single maturity	1,546,422
HTM, Amortized Cost
HTM, Amortized Cost, Not due at single maturity	1,407,762
HTM, Fair Value
HTM, Fair Value, Not due at single maturity	1,130,015
Commercial MBS
AFS, Amortized Cost
AFS, Amortized Cost, Not due at single maturity	693,916
AFS, Fair Value
AFS, Fair Value, Not due at single maturity	602,060
HTM, Amortized Cost
HTM, Amortized Cost, Not due at single maturity	682,978
HTM, Fair Value
HTM, Fair Value, Not due at single maturity	$ 532,730

Investment Securities - AFS Sal

Investment Securities - AFS Sales Activity (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 214,573	$ 0	$ 595,234	$ 281,521
Gross realized gains	0	0	1,373	1,009
Gross realized losses	0	0	(3,017)	(4,697)
Securities gains (losses), net	0	0	(1,644)	(3,688)
Income tax expense (benefit) attributable to sales	$ 0	$ 0	$ (374)	$ (979)

Loans and Leases and Allowanc_3

Loans and Leases and Allowance for Credit Losses - Major classifications of loan portfolio (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021
Classifications of loans
Total loans	$ 18,202,807		$ 15,334,627
Less allowance for credit losses - loans	(201,557)	$ (190,705)	(159,357)	$ (148,502)	$ (136,925)	$ (102,532)
Loans and leases, net	18,001,250		15,175,270
Commercial | Owner occupied commercial real estate
Classifications of loans
Total loans	3,278,582
Commercial | Income producing commercial real estate
Classifications of loans
Total loans	4,130,099
Commercial | Commercial & industrial
Classifications of loans
Total loans	2,504,330
Commercial | Commercial construction
Classifications of loans
Total loans	1,849,507
Commercial | Equipment financing
Classifications of loans
Total loans	1,534,352
Residential | Commercial construction
Classifications of loans
Total loans	398,765
Residential | Residential mortgage
Classifications of loans
Total loans	3,043,120
Residential | Home equity
Classifications of loans
Total loans	940,729
Residential | Manufactured housing
Classifications of loans
Total loans	343,219
Consumer
Classifications of loans
Total loans	180,104
Loans receivable
Classifications of loans
Total loans	18,202,807		15,334,627
Loans receivable | Commercial
Classifications of loans
Total loans	13,296,870		11,220,713
Loans receivable | Commercial | Owner occupied commercial real estate
Classifications of loans
Total loans	3,278,582		2,734,666
Less allowance for credit losses - loans	(23,984)	(21,788)	(19,834)	(19,056)	(16,774)	(14,282)
Loans receivable | Commercial | Income producing commercial real estate
Classifications of loans
Total loans	4,130,099		3,261,626
Less allowance for credit losses - loans	(45,588)	(38,775)	(32,082)	(31,610)	(33,284)	(24,156)
Loans receivable | Commercial | Commercial & industrial
Classifications of loans
Total loans	2,504,330		2,252,322
Less allowance for credit losses - loans	(31,217)	(29,856)	(23,504)	(20,918)	(18,267)	(16,592)
Loans receivable | Commercial | Commercial construction
Classifications of loans
Total loans	1,849,507		1,597,848
Less allowance for credit losses - loans	(20,639)	(22,276)	(20,120)	(17,954)	(16,062)	(9,956)
Loans receivable | Commercial | Equipment financing
Classifications of loans
Total loans	1,534,352		1,374,251
Less allowance for credit losses - loans	(30,362)	(28,604)	(23,395)	(20,565)	(18,409)	(16,290)
Loans receivable | Residential | Commercial construction
Classifications of loans
Total loans	398,765		442,553
Less allowance for credit losses - loans	(2,874)	(3,446)	(2,049)	(2,304)	(2,086)	(1,847)
Loans receivable | Residential | Residential mortgage
Classifications of loans
Total loans	3,043,120		2,355,061
Less allowance for credit losses - loans	(26,884)	(25,431)	(20,809)	(19,335)	(17,035)	(12,390)
Loans receivable | Residential | Home equity
Classifications of loans
Total loans	940,729		850,269
Less allowance for credit losses - loans	(9,799)	(10,609)	(8,707)	(8,473)	(7,487)	(6,568)
Loans receivable | Residential | Manufactured housing
Classifications of loans
Total loans	343,219		316,741
Less allowance for credit losses - loans	(9,378)	(9,204)	(8,098)	(7,352)	(6,614)	0
Loans receivable | Consumer
Classifications of loans
Total loans	180,104		149,290
Less allowance for credit losses - loans	$ (832)	$ (716)	$ (759)	$ (935)	$ (907)	$ (451)

Loans and Leases and Allowanc_4

Loans and Leases and Allowance for Credit Losses - Narrative (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2023 USD ($) extension	Dec. 31, 2022 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net investment in leases	$ 65,678	$ 45,988
Modified subsequent default	910
Loans receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrued interest receivable	$ 63,100	$ 52,000
Loans receivable | Commercial | Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Extended weighted average maturity	13 months
Loans receivable | Commercial | Equipment financing | Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of extensions | extension	1
Extension from modification	3 months
Loans receivable | Commercial | Commercial & industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans in bankruptcy status	$ 2,860
Weighted average payment delay term (in months)	3 months
Loans receivable | Commercial | Commercial & industrial | Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Extended weighted average maturity	1 year
Weighted average payment delay term (in months)	9 months
Loans receivable | Commercial | Commercial & industrial | Rate Reduction & Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Extended weighted average maturity	2 years
Decrease in the weighted average interest rate	1.58%
Loans receivable | Commercial | Residential Mortgage and Manufactured Housing | Rate Reduction & Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Extended weighted average maturity	17 years 6 months
Decrease in the weighted average interest rate	5.62%

Loans and Leases and Allowanc_5

Loans and Leases and Allowance for Credit Losses - Loans Held for Investment Sold (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans sold	$ 64,052	$ 41,962	$ 147,168	$ 153,401
Guaranteed portion of SBA/USDA loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans sold	26,381	20,405	70,223	87,867
Equipment financing receivables
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans sold	$ 37,671	$ 21,557	$ 76,945	$ 65,534

Loans and Leases and Allowanc_6

Loans and Leases and Allowance for Credit Losses - Components of Net Investment in Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Net Investment in Leases
Minimum future lease payments receivable	$ 71,773	$ 49,723
Estimated residual value of leased equipment	3,971	2,804
Initial direct costs	1,349	767
Security deposits	(418)	(429)
Unearned income	(10,997)	(6,877)
Net investment in leases	$ 65,678	$ 45,988

Loans and Leases and Allowanc_7

Loans and Leases and Allowance for Credit Losses - Minimum Future Lease Payments Expected to be Received from Equipment Financing Lease Contracts (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Minimum future lease payments expected to be received
Remainder of 2023	$ 6,138
2024	22,773
2025	18,549
2026	13,320
2027	8,589
Thereafter	2,404
Total	$ 71,773

Loans and Leases and Allowanc_8

Loans and Leases and Allowance for Credit Losses - Loans by Aging Category and Accrual Status (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Financing Receivable, Past Due [Line Items]
Total loans	$ 18,202,807	$ 15,334,627
Commercial | Owner occupied commercial real estate
Financing Receivable, Past Due [Line Items]
Total loans	3,278,582
Commercial | Income producing commercial real estate
Financing Receivable, Past Due [Line Items]
Total loans	4,130,099
Commercial | Commercial & industrial
Financing Receivable, Past Due [Line Items]
Total loans	2,504,330
Commercial | Commercial construction
Financing Receivable, Past Due [Line Items]
Total loans	1,849,507
Commercial | Equipment financing
Financing Receivable, Past Due [Line Items]
Total loans	1,534,352
Residential | Commercial construction
Financing Receivable, Past Due [Line Items]
Total loans	398,765
Residential | Residential mortgage
Financing Receivable, Past Due [Line Items]
Total loans	3,043,120
Residential | Home equity
Financing Receivable, Past Due [Line Items]
Total loans	940,729
Residential | Manufactured housing
Financing Receivable, Past Due [Line Items]
Total loans	343,219
Consumer
Financing Receivable, Past Due [Line Items]
Total loans	180,104
Loans receivable
Financing Receivable, Past Due [Line Items]
Total loans	18,202,807	15,334,627
Nonaccrual Loans	89,818	44,232
Loans receivable | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	18,075,155	15,263,066
Loans receivable | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	29,726	21,828
Loans receivable | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	8,106	5,486
Loans receivable | Days Past Due Category, Over 90
Financing Receivable, Past Due [Line Items]
Total loans	2	15
Loans receivable | Commercial
Financing Receivable, Past Due [Line Items]
Total loans	13,296,870	11,220,713
Nonaccrual Loans	59,042	24,449
Loans receivable | Commercial | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	13,222,415	11,182,980
Loans receivable | Commercial | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	11,435	10,010
Loans receivable | Commercial | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	3,978	3,268
Loans receivable | Commercial | Days Past Due Category, Over 90
Financing Receivable, Past Due [Line Items]
Total loans	0	6
Loans receivable | Commercial | Owner occupied commercial real estate
Financing Receivable, Past Due [Line Items]
Total loans	3,278,582	2,734,666
Nonaccrual Loans	5,134	523
Loans receivable | Commercial | Owner occupied commercial real estate | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	3,271,847	2,731,574
Loans receivable | Commercial | Owner occupied commercial real estate | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	1,303	1,522
Loans receivable | Commercial | Owner occupied commercial real estate | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	298	1,047
Loans receivable | Commercial | Owner occupied commercial real estate | Days Past Due Category, Over 90
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Commercial | Income producing commercial real estate
Financing Receivable, Past Due [Line Items]
Total loans	4,130,099	3,261,626
Nonaccrual Loans	30,255	3,885
Loans receivable | Commercial | Income producing commercial real estate | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	4,099,376	3,257,232
Loans receivable | Commercial | Income producing commercial real estate | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	409	468
Loans receivable | Commercial | Income producing commercial real estate | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	59	41
Loans receivable | Commercial | Income producing commercial real estate | Days Past Due Category, Over 90
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Commercial | Commercial & industrial
Financing Receivable, Past Due [Line Items]
Total loans	2,504,330	2,252,322
Nonaccrual Loans	13,382	14,470
Loans receivable | Commercial | Commercial & industrial | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	2,485,006	2,234,284
Loans receivable | Commercial | Commercial & industrial | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	5,575	3,288
Loans receivable | Commercial | Commercial & industrial | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	367	274
Loans receivable | Commercial | Commercial & industrial | Days Past Due Category, Over 90
Financing Receivable, Past Due [Line Items]
Total loans	0	6
Loans receivable | Commercial | Commercial construction
Financing Receivable, Past Due [Line Items]
Total loans	1,849,507	1,597,848
Nonaccrual Loans	1,065	133
Loans receivable | Commercial | Commercial construction | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	1,848,362	1,597,268
Loans receivable | Commercial | Commercial construction | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	80	447
Loans receivable | Commercial | Commercial construction | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Commercial | Commercial construction | Days Past Due Category, Over 90
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Commercial | Equipment financing
Financing Receivable, Past Due [Line Items]
Total loans	1,534,352	1,374,251
Nonaccrual Loans	9,206	5,438
Loans receivable | Commercial | Equipment financing | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	1,517,824	1,362,622
Loans receivable | Commercial | Equipment financing | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	4,068	4,285
Loans receivable | Commercial | Equipment financing | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	3,254	1,906
Loans receivable | Commercial | Equipment financing | Days Past Due Category, Over 90
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Residential | Commercial construction
Financing Receivable, Past Due [Line Items]
Total loans	398,765	442,553
Nonaccrual Loans	2,074	405
Loans receivable | Residential | Commercial construction | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	394,566	441,673
Loans receivable | Residential | Commercial construction | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	2,125	20
Loans receivable | Residential | Commercial construction | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	455
Loans receivable | Residential | Commercial construction | Days Past Due Category, Over 90
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Residential | Residential mortgage
Financing Receivable, Past Due [Line Items]
Total loans	3,043,120	2,355,061
Nonaccrual Loans	11,893	10,919
Loans receivable | Residential | Residential mortgage | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	3,026,653	2,342,196
Loans receivable | Residential | Residential mortgage | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	3,995	1,939
Loans receivable | Residential | Residential mortgage | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	579	7
Loans receivable | Residential | Residential mortgage | Days Past Due Category, Over 90
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Residential | Home equity
Financing Receivable, Past Due [Line Items]
Total loans	940,729	850,269
Nonaccrual Loans	4,009	1,888
Loans receivable | Residential | Home equity | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	934,376	844,888
Loans receivable | Residential | Home equity | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	1,285	2,709
Loans receivable | Residential | Home equity | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	1,057	784
Loans receivable | Residential | Home equity | Days Past Due Category, Over 90
Financing Receivable, Past Due [Line Items]
Total loans	2	0
Loans receivable | Residential | Manufactured housing
Financing Receivable, Past Due [Line Items]
Total loans	343,219	316,741
Nonaccrual Loans	12,711	6,518
Loans receivable | Residential | Manufactured housing | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	317,831	302,386
Loans receivable | Residential | Manufactured housing | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	10,388	6,913
Loans receivable | Residential | Manufactured housing | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	2,289	924
Loans receivable | Residential | Manufactured housing | Days Past Due Category, Over 90
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Consumer
Financing Receivable, Past Due [Line Items]
Total loans	180,104	149,290
Nonaccrual Loans	89	53
Loans receivable | Consumer | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	179,314	148,943
Loans receivable | Consumer | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	498	237
Loans receivable | Consumer | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	203	48
Loans receivable | Consumer | Days Past Due Category, Over 90
Financing Receivable, Past Due [Line Items]
Total loans	$ 0	$ 9

Loans and Leases and Allowanc_9

Loans and Leases and Allowance for Credit Losses - Nonaccrual Loans by Loan Class (Details) - Loans receivable - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Nonaccrual loans
Nonaccrual loans with no allowance	$ 33,323	$ 21,048
Nonaccrual loans with an allowance	56,495	23,184
Nonaccrual loans	89,818	44,232
Commercial
Nonaccrual loans
Nonaccrual loans with no allowance	28,290	18,145
Nonaccrual loans with an allowance	30,752	6,304
Nonaccrual loans	59,042	24,449
Commercial | Owner occupied commercial real estate
Nonaccrual loans
Nonaccrual loans with no allowance	4,702	276
Nonaccrual loans with an allowance	432	247
Nonaccrual loans	5,134	523
Commercial | Income producing commercial real estate
Nonaccrual loans
Nonaccrual loans with no allowance	11,117	3,798
Nonaccrual loans with an allowance	19,138	87
Nonaccrual loans	30,255	3,885
Commercial | Commercial & industrial
Nonaccrual loans
Nonaccrual loans with no allowance	11,448	13,917
Nonaccrual loans with an allowance	1,934	553
Nonaccrual loans	13,382	14,470
Commercial | Commercial construction
Nonaccrual loans
Nonaccrual loans with no allowance	1,004	69
Nonaccrual loans with an allowance	61	64
Nonaccrual loans	1,065	133
Commercial | Equipment financing
Nonaccrual loans
Nonaccrual loans with no allowance	19	85
Nonaccrual loans with an allowance	9,187	5,353
Nonaccrual loans	9,206	5,438
Residential | Commercial construction
Nonaccrual loans
Nonaccrual loans with no allowance	1,405	311
Nonaccrual loans with an allowance	669	94
Nonaccrual loans	2,074	405
Residential | Residential mortgage
Nonaccrual loans
Nonaccrual loans with no allowance	2,222	2,159
Nonaccrual loans with an allowance	9,671	8,760
Nonaccrual loans	11,893	10,919
Residential | Home equity
Nonaccrual loans
Nonaccrual loans with no allowance	1,405	430
Nonaccrual loans with an allowance	2,604	1,458
Nonaccrual loans	4,009	1,888
Residential | Manufactured housing
Nonaccrual loans
Nonaccrual loans with no allowance	0	0
Nonaccrual loans with an allowance	12,711	6,518
Nonaccrual loans	12,711	6,518
Consumer
Nonaccrual loans
Nonaccrual loans with no allowance	1	3
Nonaccrual loans with an allowance	88	50
Nonaccrual loans	$ 89	$ 53

Loans and Leases and Allowan_10

Loans and Leases and Allowance for Credit Losses - Amortized Cost of Loans by Risk Category by Vintage Year (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year					$ 4,978,428
Originated in prior year					3,546,181
Originated two years prior					2,415,804
Originated three years prior					966,556
Originated four years prior					605,713
Originated five or more years prior					943,534
Revolvers					1,810,870
Revolvers converted to term loans					67,541
Total loans	$ 18,202,807		$ 18,202,807		15,334,627
Current period gross charge-offs, Total	33,163	$ 3,824	54,859	$ 13,031
Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year					4,853,439
Originated in prior year					3,489,583
Originated two years prior					2,349,242
Originated three years prior					892,371
Originated four years prior					543,350
Originated five or more years prior					895,196
Revolvers					1,756,105
Revolvers converted to term loans					60,283
Total loans					14,839,569
Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year					48,204
Originated in prior year					30,951
Originated two years prior					53,769
Originated three years prior					57,404
Originated four years prior					29,014
Originated five or more years prior					11,841
Revolvers					15,129
Revolvers converted to term loans					588
Total loans					246,900
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year					76,785
Originated in prior year					25,647
Originated two years prior					12,793
Originated three years prior					16,781
Originated four years prior					33,349
Originated five or more years prior					36,497
Revolvers					39,636
Revolvers converted to term loans					6,670
Total loans					248,158
Commercial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year					3,464,040
Originated in prior year					2,580,175
Originated two years prior					1,950,688
Originated three years prior					760,506
Originated four years prior					453,123
Originated five or more years prior					602,065
Revolvers					905,981
Revolvers converted to term loans					33,045
Total loans					10,749,623
Commercial | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year					48,204
Originated in prior year					30,951
Originated two years prior					53,769
Originated three years prior					57,404
Originated four years prior					29,014
Originated five or more years prior					11,841
Revolvers					15,129
Revolvers converted to term loans					588
Total loans					246,900
Commercial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year					74,408
Originated in prior year					23,071
Originated two years prior					9,968
Originated three years prior					13,934
Originated four years prior					29,544
Originated five or more years prior					29,330
Revolvers					39,542
Revolvers converted to term loans					4,393
Total loans					224,190
Commercial | Owner occupied commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	558,349		558,349
Originated in prior year	710,533		710,533
Originated two years prior	657,051		657,051
Originated three years prior	610,330		610,330
Originated four years prior	227,225		227,225
Originated five or more years prior	383,937		383,937
Revolvers	110,283		110,283
Revolvers converted to term loans	20,874		20,874
Total loans	3,278,582		3,278,582
Current period gross charge-offs, in current fiscal year			207
Current period gross charge-offs, in prior year			0
Current period gross charge-offs, two years prior			0
Current period gross charge-offs, three years prior			656
Current period gross charge-offs, four years prior			0
Current period gross charge-offs, five or more years prior			0
Revolvers			0
Revolvers converted to term loans			0
Current period gross charge-offs, Total			863
Commercial | Owner occupied commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	548,702		548,702		669,451
Originated in prior year	697,407		697,407		671,395
Originated two years prior	648,517		648,517		611,900
Originated three years prior	591,130		591,130		204,990
Originated four years prior	212,522		212,522		127,738
Originated five or more years prior	369,305		369,305		253,890
Revolvers	108,956		108,956		114,975
Revolvers converted to term loans	17,900		17,900		5,779
Total loans	3,194,439		3,194,439		2,660,118
Commercial | Owner occupied commercial real estate | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	2,739		2,739		4,236
Originated in prior year	5,515		5,515		8,036
Originated two years prior	4,189		4,189		4,641
Originated three years prior	5,859		5,859		10,299
Originated four years prior	9,722		9,722		1,232
Originated five or more years prior	3,045		3,045		11,596
Revolvers	0		0		3,875
Revolvers converted to term loans	256		256		279
Total loans	31,325		31,325		44,194
Commercial | Owner occupied commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	6,908		6,908		9,835
Originated in prior year	7,611		7,611		77
Originated two years prior	4,345		4,345		2,873
Originated three years prior	13,341		13,341		4,490
Originated four years prior	4,981		4,981		1,204
Originated five or more years prior	11,587		11,587		8,055
Revolvers	1,327		1,327		209
Revolvers converted to term loans	2,718		2,718		3,611
Total loans	52,818		52,818		30,354
Commercial | Income producing commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	559,811		559,811
Originated in prior year	1,001,664		1,001,664
Originated two years prior	825,162		825,162
Originated three years prior	809,274		809,274
Originated four years prior	359,418		359,418
Originated five or more years prior	505,514		505,514
Revolvers	56,787		56,787
Revolvers converted to term loans	12,469		12,469
Total loans	4,130,099		4,130,099
Current period gross charge-offs, in current fiscal year			3,033
Current period gross charge-offs, in prior year			2,534
Current period gross charge-offs, two years prior			0
Current period gross charge-offs, three years prior			0
Current period gross charge-offs, four years prior			0
Current period gross charge-offs, five or more years prior			2,291
Revolvers			0
Revolvers converted to term loans			0
Current period gross charge-offs, Total			7,858
Commercial | Income producing commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	480,148		480,148		812,804
Originated in prior year	943,710		943,710		753,936
Originated two years prior	798,023		798,023		733,946
Originated three years prior	761,973		761,973		248,259
Originated four years prior	306,892		306,892		171,108
Originated five or more years prior	466,308		466,308		255,485
Revolvers	56,787		56,787		50,026
Revolvers converted to term loans	12,413		12,413		9,953
Total loans	3,826,254		3,826,254		3,035,517
Commercial | Income producing commercial real estate | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	42,427		42,427		41,423
Originated in prior year	37,350		37,350		1,137
Originated two years prior	19,078		19,078		44,802
Originated three years prior	26,535		26,535		32,821
Originated four years prior	35,108		35,108		21,647
Originated five or more years prior	9,627		9,627		50
Revolvers	0		0		805
Revolvers converted to term loans	0		0		0
Total loans	170,125		170,125		142,685
Commercial | Income producing commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	37,236		37,236		52,384
Originated in prior year	20,604		20,604		1,357
Originated two years prior	8,061		8,061		1,867
Originated three years prior	20,766		20,766		4,180
Originated four years prior	17,418		17,418		13,209
Originated five or more years prior	29,579		29,579		10,365
Revolvers	0		0		0
Revolvers converted to term loans	56		56		62
Total loans	133,720		133,720		83,424
Commercial | Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	560,744		560,744
Originated in prior year	484,476		484,476
Originated two years prior	346,392		346,392
Originated three years prior	154,097		154,097
Originated four years prior	117,853		117,853
Originated five or more years prior	175,087		175,087
Revolvers	649,026		649,026
Revolvers converted to term loans	16,655		16,655
Total loans	2,504,330		2,504,330
Current period gross charge-offs, in current fiscal year			5,433
Current period gross charge-offs, in prior year			1,551
Current period gross charge-offs, two years prior			13,056
Current period gross charge-offs, three years prior			2,379
Current period gross charge-offs, four years prior			315
Current period gross charge-offs, five or more years prior			41
Revolvers			0
Revolvers converted to term loans			1,578
Current period gross charge-offs, Total			24,353
Commercial | Commercial & industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	536,057		536,057		535,594
Originated in prior year	475,831		475,831		388,851
Originated two years prior	316,737		316,737		186,292
Originated three years prior	141,890		141,890		134,789
Originated four years prior	105,098		105,098		119,547
Originated five or more years prior	172,251		172,251		71,503
Revolvers	583,560		583,560		670,161
Revolvers converted to term loans	14,397		14,397		15,880
Total loans	2,345,821		2,345,821		2,122,617
Commercial | Commercial & industrial | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	5,901		5,901		1,695
Originated in prior year	2,843		2,843		21,745
Originated two years prior	3,788		3,788		2,686
Originated three years prior	5,624		5,624		1,047
Originated four years prior	8,490		8,490		1,244
Originated five or more years prior	776		776		167
Revolvers	25,636		25,636		10,449
Revolvers converted to term loans	294		294		309
Total loans	53,352		53,352		39,342
Commercial | Commercial & industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	18,786		18,786		10,431
Originated in prior year	5,802		5,802		19,477
Originated two years prior	25,867		25,867		3,880
Originated three years prior	6,583		6,583		4,557
Originated four years prior	4,265		4,265		11,019
Originated five or more years prior	2,060		2,060		1,189
Revolvers	39,830		39,830		39,333
Revolvers converted to term loans	1,964		1,964		477
Total loans	105,157		105,157		90,363
Commercial | Commercial construction
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	514,869		514,869
Originated in prior year	669,689		669,689
Originated two years prior	340,761		340,761
Originated three years prior	179,382		179,382
Originated four years prior	58,028		58,028
Originated five or more years prior	29,581		29,581
Revolvers	56,061		56,061
Revolvers converted to term loans	1,136		1,136
Total loans	1,849,507		1,849,507
Current period gross charge-offs, in current fiscal year			0
Current period gross charge-offs, in prior year			0
Current period gross charge-offs, two years prior			0
Current period gross charge-offs, three years prior			0
Current period gross charge-offs, four years prior			0
Current period gross charge-offs, five or more years prior			0
Revolvers			0
Revolvers converted to term loans			0
Current period gross charge-offs, Total			0
Commercial | Commercial construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	508,200		508,200		732,147
Originated in prior year	668,556		668,556		391,963
Originated two years prior	333,915		333,915		256,087
Originated three years prior	177,196		177,196		78,778
Originated four years prior	58,028		58,028		11,977
Originated five or more years prior	29,494		29,494		19,973
Revolvers	56,061		56,061		70,819
Revolvers converted to term loans	899		899		1,433
Total loans	1,832,349		1,832,349		1,563,177
Commercial | Commercial construction | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	57		57		850
Originated in prior year	129		129		33
Originated two years prior	8		8		1,640
Originated three years prior	50		50		13,237
Originated four years prior	0		0		4,891
Originated five or more years prior	0		0		28
Revolvers	0		0		0
Revolvers converted to term loans	0		0		0
Total loans	244		244		20,679
Commercial | Commercial construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	6,612		6,612		133
Originated in prior year	1,004		1,004		0
Originated two years prior	6,838		6,838		45
Originated three years prior	2,136		2,136		2
Originated four years prior	0		0		3,876
Originated five or more years prior	87		87		9,693
Revolvers	0		0		0
Revolvers converted to term loans	237		237		243
Total loans	16,914		16,914		13,992
Commercial | Equipment financing
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	558,383		558,383
Originated in prior year	548,135		548,135
Originated two years prior	269,550		269,550
Originated three years prior	100,647		100,647
Originated four years prior	51,969		51,969
Originated five or more years prior	5,668		5,668
Revolvers	0		0
Revolvers converted to term loans	0		0
Total loans	1,534,352		1,534,352
Current period gross charge-offs, in current fiscal year			32
Current period gross charge-offs, in prior year			6,840
Current period gross charge-offs, two years prior			5,818
Current period gross charge-offs, three years prior			1,244
Current period gross charge-offs, four years prior			748
Current period gross charge-offs, five or more years prior			312
Revolvers			0
Revolvers converted to term loans			0
Current period gross charge-offs, Total			14,994
Commercial | Equipment financing | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	557,422		557,422		714,044
Originated in prior year	544,029		544,029		374,030
Originated two years prior	266,554		266,554		162,463
Originated three years prior	99,360		99,360		93,690
Originated four years prior	51,089		51,089		22,753
Originated five or more years prior	5,637		5,637		1,214
Revolvers	0		0		0
Revolvers converted to term loans	0		0		0
Total loans	1,524,091		1,524,091		1,368,194
Commercial | Equipment financing | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year					0
Originated in prior year					0
Originated two years prior					0
Originated three years prior					0
Originated four years prior					0
Originated five or more years prior					0
Revolvers					0
Revolvers converted to term loans					0
Total loans					0
Commercial | Equipment financing | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	961		961		1,625
Originated in prior year	4,106		4,106		2,160
Originated two years prior	2,996		2,996		1,303
Originated three years prior	1,287		1,287		705
Originated four years prior	880		880		236
Originated five or more years prior	31		31		28
Revolvers	0		0		0
Revolvers converted to term loans	0		0		0
Total loans	10,261		10,261		6,057
Residential | Commercial construction
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	216,211		216,211
Originated in prior year	139,256		139,256
Originated two years prior	29,790		29,790
Originated three years prior	5,534		5,534
Originated four years prior	1,221		1,221
Originated five or more years prior	6,659		6,659
Revolvers	0		0
Revolvers converted to term loans	94		94
Total loans	398,765		398,765
Current period gross charge-offs, in current fiscal year			0
Current period gross charge-offs, in prior year			1,111
Current period gross charge-offs, two years prior			0
Current period gross charge-offs, three years prior			0
Current period gross charge-offs, four years prior			0
Current period gross charge-offs, five or more years prior			0
Revolvers			0
Revolvers converted to term loans			0
Current period gross charge-offs, Total			1,111
Residential | Commercial construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	213,572		213,572		344,443
Originated in prior year	138,093		138,093		82,289
Originated two years prior	29,365		29,365		4,478
Originated three years prior	5,527		5,527		1,742
Originated four years prior	1,203		1,203		1,545
Originated five or more years prior	6,435		6,435		7,549
Revolvers	0		0		0
Revolvers converted to term loans	94		94		31
Total loans	394,289		394,289		442,077
Residential | Commercial construction | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year					0
Originated in prior year					0
Originated two years prior					0
Originated three years prior					0
Originated four years prior					0
Originated five or more years prior					0
Revolvers					0
Revolvers converted to term loans					0
Total loans					0
Residential | Commercial construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	2,639		2,639		32
Originated in prior year	1,163		1,163		268
Originated two years prior	425		425		0
Originated three years prior	7		7		20
Originated four years prior	18		18		3
Originated five or more years prior	224		224		153
Revolvers	0		0		0
Revolvers converted to term loans	0		0		0
Total loans	4,476		4,476		476
Residential | Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	652,503		652,503
Originated in prior year	962,193		962,193
Originated two years prior	747,790		747,790
Originated three years prior	327,073		327,073
Originated four years prior	88,262		88,262
Originated five or more years prior	261,176		261,176
Revolvers	402		402
Revolvers converted to term loans	3,721		3,721
Total loans	3,043,120		3,043,120
Current period gross charge-offs, in current fiscal year			0
Current period gross charge-offs, in prior year			23
Current period gross charge-offs, two years prior			0
Current period gross charge-offs, three years prior			0
Current period gross charge-offs, four years prior			0
Current period gross charge-offs, five or more years prior			38
Revolvers			0
Revolvers converted to term loans			0
Current period gross charge-offs, Total			61
Residential | Residential mortgage | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	652,060		652,060		894,960
Originated in prior year	959,694		959,694		742,821
Originated two years prior	746,217		746,217		329,762
Originated three years prior	326,186		326,186		91,300
Originated four years prior	86,697		86,697		55,785
Originated five or more years prior	254,232		254,232		223,846
Revolvers	402		402		8
Revolvers converted to term loans	3,468		3,468		3,133
Total loans	3,028,956		3,028,956		2,341,615
Residential | Residential mortgage | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year					0
Originated in prior year					0
Originated two years prior					0
Originated three years prior					0
Originated four years prior					0
Originated five or more years prior					0
Revolvers					0
Revolvers converted to term loans					0
Total loans					0
Residential | Residential mortgage | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	443		443		1,195
Originated in prior year	2,499		2,499		964
Originated two years prior	1,573		1,573		1,364
Originated three years prior	887		887		1,836
Originated four years prior	1,565		1,565		2,589
Originated five or more years prior	6,944		6,944		5,296
Revolvers	0		0		0
Revolvers converted to term loans	253		253		202
Total loans	14,164		14,164		13,446
Residential | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0		0
Originated in prior year	0		0
Originated two years prior	0		0
Originated three years prior	0		0
Originated four years prior	0		0
Originated five or more years prior	0		0
Revolvers	909,467		909,467
Revolvers converted to term loans	31,262		31,262
Total loans	940,729		940,729
Current period gross charge-offs, in current fiscal year			0
Current period gross charge-offs, in prior year			0
Current period gross charge-offs, two years prior			0
Current period gross charge-offs, three years prior			0
Current period gross charge-offs, four years prior			0
Current period gross charge-offs, five or more years prior			0
Revolvers			0
Revolvers converted to term loans			167
Current period gross charge-offs, Total			167
Residential | Home equity | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0		0		0
Originated in prior year	0		0		0
Originated two years prior	0		0		0
Originated three years prior	0		0		0
Originated four years prior	0		0		0
Originated five or more years prior	0		0		0
Revolvers	909,429		909,429		824,153
Revolvers converted to term loans	27,059		27,059		23,948
Total loans	936,488		936,488		848,101
Residential | Home equity | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year					0
Originated in prior year					0
Originated two years prior					0
Originated three years prior					0
Originated four years prior					0
Originated five or more years prior					0
Revolvers					0
Revolvers converted to term loans					0
Total loans					0
Residential | Home equity | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0		0		0
Originated in prior year	0		0		0
Originated two years prior	0		0		0
Originated three years prior	0		0		0
Originated four years prior	0		0		0
Originated five or more years prior	0		0		0
Revolvers	38		38		93
Revolvers converted to term loans	4,203		4,203		2,075
Total loans	4,241		4,241		2,168
Residential | Manufactured housing
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	46,036		46,036
Originated in prior year	75,506		75,506
Originated two years prior	53,494		53,494
Originated three years prior	47,606		47,606
Originated four years prior	33,361		33,361
Originated five or more years prior	87,216		87,216
Revolvers	0		0
Revolvers converted to term loans	0		0
Total loans	343,219		343,219
Current period gross charge-offs, in current fiscal year			3
Current period gross charge-offs, in prior year			1,097
Current period gross charge-offs, two years prior			503
Current period gross charge-offs, three years prior			300
Current period gross charge-offs, four years prior			205
Current period gross charge-offs, five or more years prior			337
Revolvers			0
Revolvers converted to term loans			0
Current period gross charge-offs, Total			2,445
Residential | Manufactured housing | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	45,600		45,600		78,097
Originated in prior year	71,672		71,672		54,976
Originated two years prior	50,298		50,298		48,908
Originated three years prior	45,392		45,392		34,836
Originated four years prior	32,324		32,324		31,060
Originated five or more years prior	83,385		83,385		61,148
Revolvers	0		0		0
Revolvers converted to term loans	0		0		0
Total loans	328,671		328,671		309,025
Residential | Manufactured housing | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year					0
Originated in prior year					0
Originated two years prior					0
Originated three years prior					0
Originated four years prior					0
Originated five or more years prior					0
Revolvers					0
Revolvers converted to term loans					0
Total loans					0
Residential | Manufactured housing | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	436		436		1,130
Originated in prior year	3,834		3,834		1,267
Originated two years prior	3,196		3,196		1,427
Originated three years prior	2,214		2,214		990
Originated four years prior	1,037		1,037		1,188
Originated five or more years prior	3,831		3,831		1,714
Revolvers	0		0		0
Revolvers converted to term loans	0		0		0
Total loans	14,548		14,548		7,716
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	74,156		74,156
Originated in prior year	46,388		46,388
Originated two years prior	21,011		21,011
Originated three years prior	11,647		11,647
Originated four years prior	1,644		1,644
Originated five or more years prior	1,030		1,030
Revolvers	24,053		24,053
Revolvers converted to term loans	175		175
Total loans	180,104		180,104
Current period gross charge-offs, in current fiscal year			2,472
Current period gross charge-offs, in prior year			120
Current period gross charge-offs, two years prior			229
Current period gross charge-offs, three years prior			29
Current period gross charge-offs, four years prior			14
Current period gross charge-offs, five or more years prior			1
Revolvers			1
Revolvers converted to term loans			141
Current period gross charge-offs, Total			3,007
Consumer | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	74,136		74,136		71,899
Originated in prior year	46,324		46,324		29,322
Originated two years prior	20,955		20,955		15,406
Originated three years prior	11,624		11,624		3,987
Originated four years prior	1,644		1,644		1,837
Originated five or more years prior	1,013		1,013		588
Revolvers	24,053		24,053		25,963
Revolvers converted to term loans	175		175		126
Total loans	179,924		179,924		149,128
Consumer | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year					0
Originated in prior year					0
Originated two years prior					0
Originated three years prior					0
Originated four years prior					0
Originated five or more years prior					0
Revolvers					0
Revolvers converted to term loans					0
Total loans					0
Consumer | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	20		20		20
Originated in prior year	64		64		77
Originated two years prior	56		56		34
Originated three years prior	23		23		1
Originated four years prior	0		0		25
Originated five or more years prior	17		17		4
Revolvers	0		0		1
Revolvers converted to term loans	0		0		0
Total loans	$ 180		$ 180		$ 162

Loans and Leases and Allowan_11

Loans and Leases and Allowance for Credit Losses - Modifications to Borrowers Experiencing Financial Difficulty (Details) - Loans receivable $ in Thousands	9 Months Ended
	Sep. 30, 2023 USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 113,238
% of Total Class of Receivable	0.60%
Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 58,895
Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	14,315
Payment Delay & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	3,426
Rate Reduction & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	36,602
Commercial | Owner occupied commercial real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 1,058
% of Total Class of Receivable	0%
Commercial | Owner occupied commercial real estate | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 782
Commercial | Owner occupied commercial real estate | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	276
Commercial | Owner occupied commercial real estate | Payment Delay & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0
Commercial | Owner occupied commercial real estate | Rate Reduction & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0
Commercial | Income producing commercial real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 73,508
% of Total Class of Receivable	1.80%
Commercial | Income producing commercial real estate | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 38,139
Commercial | Income producing commercial real estate | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0
Commercial | Income producing commercial real estate | Payment Delay & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0
Commercial | Income producing commercial real estate | Rate Reduction & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	35,369
Commercial | Commercial & industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 19,365
% of Total Class of Receivable	0.80%
Commercial | Commercial & industrial | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 4,029
Commercial | Commercial & industrial | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	13,673
Commercial | Commercial & industrial | Payment Delay & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	1,663
Commercial | Commercial & industrial | Rate Reduction & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0
Commercial | Commercial construction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 366
% of Total Class of Receivable	0%
Commercial | Commercial construction | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 0
Commercial | Commercial construction | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	366
Commercial | Commercial construction | Payment Delay & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0
Commercial | Commercial construction | Rate Reduction & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0
Commercial | Equipment financing
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 17,651
% of Total Class of Receivable	1.20%
Commercial | Equipment financing | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 15,888
Commercial | Equipment financing | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0
Commercial | Equipment financing | Payment Delay & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	1,763
Commercial | Equipment financing | Rate Reduction & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0
Residential | Commercial construction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 47
% of Total Class of Receivable	0%
Residential | Commercial construction | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 0
Residential | Commercial construction | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0
Residential | Commercial construction | Payment Delay & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0
Residential | Commercial construction | Rate Reduction & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	47
Residential | Residential mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 987
% of Total Class of Receivable	0%
Residential | Residential mortgage | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 57
Residential | Residential mortgage | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0
Residential | Residential mortgage | Payment Delay & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0
Residential | Residential mortgage | Rate Reduction & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	930
Residential | Manufactured housing
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 256
% of Total Class of Receivable	0.10%
Residential | Manufactured housing | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 0
Residential | Manufactured housing | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0
Residential | Manufactured housing | Payment Delay & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0
Residential | Manufactured housing | Rate Reduction & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 256

Loans and Leases and Allowan_12

Loans and Leases and Allowance for Credit Losses - Balance and Activity in the ACL by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
ACL
ACL - loans, Beginning Balance	$ 190,705	$ 136,925	$ 159,357	$ 102,532
ACL- loans, Initial ACL - PCD loans	3,717		6,421	12,737
ACL - loans, Charge-Offs	(33,163)	(3,824)	(54,859)	(13,031)
ACL - loans, Recoveries	6,525	2,690	12,738	9,988
ACL - loans, Provision	33,773	12,711	77,900	36,276
ACL - loans, Ending Balance	201,557	148,502	201,557	148,502
ACL - unfunded commitments, Beginning Balance	21,572	16,117	21,163	10,992
ACL - unfunded commitments, Provision	(3,505)	2,681	(3,096)	7,806
ACL - unfunded commitments, Ending Balance	18,067	18,798	18,067	18,798
Total ACL, Beginning Balance	212,277	153,042	180,520	113,524
Total ACL, Initial ACL - PCD loans	3,717		6,421	12,737
Total ACL, Charge-Offs	(33,163)	(3,824)	(54,859)	(13,031)
Total ACL, Recoveries	6,525	2,690	12,738	9,988
Total ACL, Provision	30,268	15,392	74,804	44,082
Total ACL, Ending Balance	219,624	167,300	219,624	167,300
Commercial | Owner occupied commercial real estate
ACL
ACL - loans, Charge-Offs			(863)
Commercial | Income producing commercial real estate
ACL
ACL - loans, Charge-Offs			(7,858)
Commercial | Commercial & industrial
ACL
ACL - loans, Charge-Offs			(24,353)
Commercial | Commercial construction
ACL
ACL - loans, Charge-Offs			0
Commercial | Equipment financing
ACL
ACL - loans, Charge-Offs			(14,994)
Residential | Commercial construction
ACL
ACL - loans, Charge-Offs			(1,111)
Residential | Residential mortgage
ACL
ACL - loans, Charge-Offs			(61)
Residential | Home equity
ACL
ACL - loans, Charge-Offs			(167)
Residential | Manufactured housing
ACL
ACL - loans, Charge-Offs			(2,445)
Consumer
ACL
ACL - loans, Charge-Offs			(3,007)
Loans receivable | Commercial | Owner occupied commercial real estate
ACL
ACL - loans, Beginning Balance	21,788	16,774	19,834	14,282
ACL- loans, Initial ACL - PCD loans	92		273	266
ACL - loans, Charge-Offs	(656)	0	(863)	0
ACL - loans, Recoveries	74	90	396	1,631
ACL - loans, Provision	2,686	2,192	4,344	2,877
ACL - loans, Ending Balance	23,984	19,056	23,984	19,056
Loans receivable | Commercial | Income producing commercial real estate
ACL
ACL - loans, Beginning Balance	38,775	33,284	32,082	24,156
ACL- loans, Initial ACL - PCD loans	3,092		3,399	4,366
ACL - loans, Charge-Offs	(3,044)	(202)	(7,858)	(202)
ACL - loans, Recoveries	33	26	1,357	432
ACL - loans, Provision	6,732	(1,498)	16,608	2,858
ACL - loans, Ending Balance	45,588	31,610	45,588	31,610
Loans receivable | Commercial | Commercial & industrial
ACL
ACL - loans, Beginning Balance	29,856	18,267	23,504	16,592
ACL- loans, Initial ACL - PCD loans	533		1,891	2,337
ACL - loans, Charge-Offs	(19,702)	(373)	(24,353)	(4,978)
ACL - loans, Recoveries	2,160	1,117	3,840	3,095
ACL - loans, Provision	18,370	1,907	26,335	3,872
ACL - loans, Ending Balance	31,217	20,918	31,217	20,918
Loans receivable | Commercial | Commercial construction
ACL
ACL - loans, Beginning Balance	22,276	16,062	20,120	9,956
ACL- loans, Initial ACL - PCD loans	0		39	2,857
ACL - loans, Charge-Offs	0	0	0	(41)
ACL - loans, Recoveries	49	(10)	191	548
ACL - loans, Provision	(1,686)	1,902	289	4,634
ACL - loans, Ending Balance	20,639	17,954	20,639	17,954
Loans receivable | Commercial | Equipment financing
ACL
ACL - loans, Beginning Balance	28,604	18,409	23,395	16,290
ACL- loans, Initial ACL - PCD loans	0		0	0
ACL - loans, Charge-Offs	(7,215)	(1,987)	(14,994)	(4,644)
ACL - loans, Recoveries	890	866	2,757	2,349
ACL - loans, Provision	8,083	3,277	19,204	6,570
ACL - loans, Ending Balance	30,362	20,565	30,362	20,565
Loans receivable | Residential | Commercial construction
ACL
ACL - loans, Beginning Balance	3,446	2,086	2,049	1,847
ACL- loans, Initial ACL - PCD loans	0		124	1
ACL - loans, Charge-Offs	(474)	0	(1,111)	0
ACL - loans, Recoveries	133	109	162	208
ACL - loans, Provision	(231)	109	1,650	248
ACL - loans, Ending Balance	2,874	2,304	2,874	2,304
Loans receivable | Residential | Residential mortgage
ACL
ACL - loans, Beginning Balance	25,431	17,035	20,809	12,390
ACL- loans, Initial ACL - PCD loans	0		157	385
ACL - loans, Charge-Offs	(16)	0	(61)	(53)
ACL - loans, Recoveries	145	66	320	267
ACL - loans, Provision	1,324	2,234	5,659	6,346
ACL - loans, Ending Balance	26,884	19,335	26,884	19,335
Loans receivable | Residential | Home equity
ACL
ACL - loans, Beginning Balance	10,609	7,487	8,707	6,568
ACL- loans, Initial ACL - PCD loans	0		534	60
ACL - loans, Charge-Offs	(22)	(27)	(167)	(36)
ACL - loans, Recoveries	2,806	129	2,977	565
ACL - loans, Provision	(3,594)	884	(2,252)	1,316
ACL - loans, Ending Balance	9,799	8,473	9,799	8,473
Loans receivable | Residential | Manufactured housing
ACL
ACL - loans, Beginning Balance	9,204	6,614	8,098	0
ACL- loans, Initial ACL - PCD loans	0		0	2,438
ACL - loans, Charge-Offs	(1,171)	(225)	(2,445)	(533)
ACL - loans, Recoveries	3	5	29	14
ACL - loans, Provision	1,342	958	3,696	5,433
ACL - loans, Ending Balance	9,378	7,352	9,378	7,352
Loans receivable | Consumer
ACL
ACL - loans, Beginning Balance	716	907	759	451
ACL- loans, Initial ACL - PCD loans	0		4	27
ACL - loans, Charge-Offs	(863)	(1,010)	(3,007)	(2,544)
ACL - loans, Recoveries	232	292	709	879
ACL - loans, Provision	747	746	2,367	2,122
ACL - loans, Ending Balance	$ 832	$ 935	$ 832	$ 935

Derivatives and Hedging Activ_3

Derivatives and Hedging Activities - Fair Value of Derivative Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Derivatives, Fair Value [Line Items]
Notional Amount	$ 3,432,930	$ 2,577,047
Derivative Asset
Total gross derivative instruments	65,697	50,636
Less: Amounts subject to master netting agreements	(107)	(346)
Less: Cash collateral received/pledged	(54,548)	(38,386)
Net amount	11,042	11,904
Derivative Liability
Total gross derivative instruments	117,355	99,543
Less: Amounts subject to master netting agreements	(107)	(346)
Less: Cash collateral received/pledged	(14,179)	(13,089)
Net amount	103,069	86,108
Derivative assets
Derivative Asset
Total gross derivative instruments	65,697	50,636
Derivative liabilities
Derivative Liability
Total gross derivative instruments	117,355	99,543
Designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	786,286	120,000
Designated as hedging instrument | Cash flow hedge of subordinated debt
Derivatives, Fair Value [Line Items]
Notional Amount	100,000	100,000
Designated as hedging instrument | Cash flow hedge of trust preferred securities
Derivatives, Fair Value [Line Items]
Notional Amount	20,000	20,000
Designated as hedging instrument | Fair value hedge of AFS debt securities
Derivatives, Fair Value [Line Items]
Notional Amount	666,286	0
Designated as hedging instrument | Derivative assets
Derivative Asset
Derivatives designated as hedging instruments	16,632	16,191
Designated as hedging instrument | Derivative assets | Cash flow hedge of subordinated debt
Derivative Asset
Cash flow hedge	16,632	16,191
Designated as hedging instrument | Derivative assets | Cash flow hedge of trust preferred securities
Derivative Asset
Cash flow hedge	0	0
Designated as hedging instrument | Derivative assets | Fair value hedge of AFS debt securities
Derivative Asset
Fair value hedge	0	0
Designated as hedging instrument | Derivative liabilities
Derivative Liability
Derivatives designated as hedging instruments	0	0
Designated as hedging instrument | Derivative liabilities | Cash flow hedge of subordinated debt
Derivative Liability
Cash flow hedge	0	0
Designated as hedging instrument | Derivative liabilities | Cash flow hedge of trust preferred securities
Derivative Liability
Cash flow hedge	0	0
Designated as hedging instrument | Derivative liabilities | Fair value hedge of AFS debt securities
Derivative Liability
Fair value hedge	0	0
Not designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	2,646,644	2,457,047
Not designated as hedging instrument | Customer derivative positions
Derivatives, Fair Value [Line Items]
Notional Amount	1,158,829	1,097,578
Not designated as hedging instrument | Dealer offsets to customer derivative positions
Derivatives, Fair Value [Line Items]
Notional Amount	1,158,691	1,097,578
Not designated as hedging instrument | Risk participations
Derivatives, Fair Value [Line Items]
Notional Amount	85,442	88,586
Not designated as hedging instrument | Mortgage banking - loan commitment
Derivatives, Fair Value [Line Items]
Notional Amount	61,864	19,685
Not designated as hedging instrument | Mortgage banking - forward sales commitment
Derivatives, Fair Value [Line Items]
Notional Amount	77,948	49,750
Not designated as hedging instrument | Bifurcated embedded derivatives
Derivatives, Fair Value [Line Items]
Notional Amount	51,935	51,935
Not designated as hedging instrument | Dealer offsets to bifurcated embedded derivatives
Derivatives, Fair Value [Line Items]
Notional Amount	51,935	51,935
Not designated as hedging instrument | Derivative assets
Derivative Asset
Derivatives not designated as hedging instruments	49,065	34,445
Not designated as hedging instrument | Derivative assets | Customer derivative positions
Derivative Asset
Derivatives not designated as hedging instruments	89	341
Not designated as hedging instrument | Derivative assets | Dealer offsets to customer derivative positions
Derivative Asset
Derivatives not designated as hedging instruments	35,370	22,393
Not designated as hedging instrument | Derivative assets | Risk participations
Derivative Asset
Derivatives not designated as hedging instruments	0	15
Not designated as hedging instrument | Derivative assets | Mortgage banking - loan commitment
Derivative Asset
Derivatives not designated as hedging instruments	1,031	394
Not designated as hedging instrument | Derivative assets | Mortgage banking - forward sales commitment
Derivative Asset
Derivatives not designated as hedging instruments	527	198
Not designated as hedging instrument | Derivative assets | Bifurcated embedded derivatives
Derivative Asset
Derivatives not designated as hedging instruments	12,048	11,104
Not designated as hedging instrument | Derivative assets | Dealer offsets to bifurcated embedded derivatives
Derivative Asset
Derivatives not designated as hedging instruments	0	0
Not designated as hedging instrument | Derivative liabilities
Derivative Liability
Derivatives not designated as hedging instruments	117,355	99,543
Not designated as hedging instrument | Derivative liabilities | Customer derivative positions
Derivative Liability
Derivatives not designated as hedging instruments	103,620	86,358
Not designated as hedging instrument | Derivative liabilities | Dealer offsets to customer derivative positions
Derivative Liability
Derivatives not designated as hedging instruments	83	274
Not designated as hedging instrument | Derivative liabilities | Risk participations
Derivative Liability
Derivatives not designated as hedging instruments	4	1
Not designated as hedging instrument | Derivative liabilities | Mortgage banking - loan commitment
Derivative Liability
Derivatives not designated as hedging instruments	0	0
Not designated as hedging instrument | Derivative liabilities | Mortgage banking - forward sales commitment
Derivative Liability
Derivatives not designated as hedging instruments	14	71
Not designated as hedging instrument | Derivative liabilities | Bifurcated embedded derivatives
Derivative Liability
Derivatives not designated as hedging instruments	0	0
Not designated as hedging instrument | Derivative liabilities | Dealer offsets to bifurcated embedded derivatives
Derivative Liability
Derivatives not designated as hedging instruments	$ 13,634	$ 12,839

Derivatives and Hedging Activ_4

Derivatives and Hedging Activities - Narrative (Details) $ in Thousands	Sep. 30, 2023 USD ($) contract	Dec. 31, 2022 USD ($)
Derivative Instruments [Line Items]
Gains to be reclassified from accumulated other comprehensive income into earnings over the next twelve months	$ 5,750
Aggregate notional amount	$ 3,432,930	$ 2,577,047
Economic hedge, not designated as hedging instrument | Interest rate swaps
Derivative Instruments [Line Items]
Number of derivative contracts | contract	3
Fair Value Hedging | Debt Securities AFS
Derivative Instruments [Line Items]
Aggregate notional amount	$ 666,000

Derivatives and Hedging Activ_5

Derivatives and Hedging Activities - Effect of Derivatives in Hedging Relationships (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Fair Value Hedging | Interest expense- deposits | Interest Expense
Fair value hedges:
Net income recognized	$ 0	$ 0	$ 0	$ 28
Fair Value Hedging | Interest revenue- investment securities | Interest Revenue
Fair value hedges:
Net income recognized	3,768	0	4,678	0
Recognized on derivative interest settlements	3,011	0	5,321	0
Recognized on derivatives	9,139	0	23,028	0
Recognized on hedged items	(8,382)	0	(23,671)	0
Cash flow hedging | Interest expense- long term debt | Interest Expense
Fair value hedges:
Net income recognized	42	(48)	2,098	(295)
Premium amortization expense excluded from assessment of hedge effectiveness	$ 119	$ 119	$ 348	$ 353

Derivatives and Hedging Activ_6

Derivatives and Hedging Activities - Carrying Amount and Cumulative Fair Value Hedging Adjustments on Hedged Liability (Details) - Fair Value Hedging - Debt Securities AFS $ in Thousands	Sep. 30, 2023 USD ($)
Derivative [Line Items]
Amortized Cost	$ 797,177
Hedge Accounting Basis Adjustment	$ (23,671)

Derivatives and Hedging Activ_7

Derivatives and Hedging Activities - Gains and Losses Recognized in Income on Derivatives Not Designated as Hedging Instruments (Details) - Not designated as hedging instrument - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Derivative Instruments [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivatives	$ 1,191	$ 1,409	$ 2,639	$ 10,165
Customer derivatives and dealer offsets
Derivative Instruments [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivatives	789	471	1,701	1,685
Bifurcated embedded derivatives and dealer offsets
Derivative Instruments [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivatives	(651)	(108)	(1,658)	90
Mortgage banking derivatives
Derivative Instruments [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivatives	1,034	1,047	2,435	8,297
Risk participations
Derivative Instruments [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivatives	$ 19	$ (1)	$ 161	$ 93

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets - Carrying Amount (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021
Goodwill and other intangible assets
Total intangible assets subject to amortization	$ 74,228		$ 28,074
Goodwill	919,914	$ 896,718	751,174	$ 751,174	$ 751,174	$ 452,007
Total goodwill and other intangible assets, net	994,142		779,248
Core deposit intangible
Goodwill and other intangible assets
Intangibles subject to amortization, gross	104,174		46,900
Less: accumulated amortization	(36,638)		(26,112)
Total intangible assets subject to amortization	67,536		20,788
Customer relationship intangible
Goodwill and other intangible assets
Intangibles subject to amortization, gross	8,400		8,400
Less: accumulated amortization	(1,708)		(1,114)
Total intangible assets subject to amortization	$ 6,692		$ 7,286

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2023	Mar. 31, 2023	Jul. 01, 2023	Jan. 03, 2023
Progress
Finite-Lived Intangible Assets [Line Items]
Core deposit intangible				$ 39,980
First Miami Bancorp, Inc
Finite-Lived Intangible Assets [Line Items]
Core deposit intangible			$ 17,950
Customer relationship intangible | Progress
Finite-Lived Intangible Assets [Line Items]
Intangible asset acquired		$ 40,000
Customer relationship intangible | Reliant Acquisition
Finite-Lived Intangible Assets [Line Items]
Intangible asset acquired	$ 656

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets - Changes in Carrying Amount of Goodwill (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Jun. 30, 2023	Dec. 31, 2022	Jun. 30, 2022	Dec. 31, 2021
Goodwill [Roll Forward]
Goodwill, beginning balance	$ 896,718	$ 751,174	$ 751,174	$ 452,007
Acquisitions	23,196	0	168,740	299,167
Goodwill, ending balance	919,914	751,174	919,914	751,174
Accumulated impairment losses on goodwill	$ 306,000	$ 306,000	$ 306,000	$ 306,000	$ 306,000	$ 306,000	$ 306,000	$ 306,000

Goodwill and Other Intangible_6

Goodwill and Other Intangible Assets - Estimated Aggregate Amortization Expense for Future Periods (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Estimated Aggregate Amortization Expense For Future Periods
Remainder of 2023	$ 4,030
2024	14,872
2025	12,774
2026	10,896
2027	9,018
Thereafter	22,638
Total intangible assets subject to amortization	$ 74,228	$ 28,074

Preferred Stock (Details)

Preferred Stock (Details) - Preferred Stock - Depositary Shares, 1/1000th Of Preferred Share	1 Months Ended	3 Months Ended	9 Months Ended
	May 31, 2023 USD ($)	Sep. 30, 2023 USD ($) shares	Sep. 30, 2023 USD ($) shares
Accumulated Other Comprehensive Income (Loss) [Line Items]
Repurchase program authorized amount	$ 25,000,000	$ 25,000,000	$ 25,000,000
Stock repurchase conversion ratio	0.001
Shares repurchased (in shares) | shares		244,012	254,680
Repurchase program remaining authorization		$ 19,700,000	$ 19,700,000

Assets and Liabilities Measur_3

Assets and Liabilities Measured at Fair Value - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Assets:
Debt securities available-for-sale	$ 3,182,112	$ 3,614,333
Mortgage loans held for sale	37,110	11,794
U.S. Treasuries
Assets:
Debt securities available-for-sale	283,830	149,352
U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	224,695	250,116
State and political subdivisions
Assets:
Debt securities available-for-sale	156,245	303,748
Corporate bonds
Assets:
Debt securities available-for-sale	194,805	212,452
Asset-backed securities
Assets:
Debt securities available-for-sale	174,055	231,272
Recurring
Assets:
Equity securities with readily determinable fair values	9,976	13,637
Mortgage loans held for sale	37,110	11,794
Deferred compensation plan assets	12,436	11,436
Servicing rights for SBA/USDA loans	5,431	5,188
Residential mortgage servicing rights	38,234	36,559
Derivative financial instruments	65,697	50,636
Total assets	3,350,996	3,743,583
Liabilities:
Deferred compensation plan liability	12,476	11,460
Derivative financial instruments	117,355	99,543
Total liabilities	129,831	111,003
Recurring | U.S. Treasuries
Assets:
Debt securities available-for-sale	283,830	149,352
Recurring | U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	224,695	250,116
Recurring | State and political subdivisions
Assets:
Debt securities available-for-sale	156,245	303,748
Recurring | Residential MBS
Assets:
Debt securities available-for-sale	1,546,422	1,795,481
Recurring | Commercial MBS
Assets:
Debt securities available-for-sale	602,060	671,912
Recurring | Corporate bonds
Assets:
Debt securities available-for-sale	194,805	212,452
Recurring | Asset-backed securities
Assets:
Debt securities available-for-sale	174,055	231,272
Recurring | Level 1
Assets:
Equity securities with readily determinable fair values	8,400	12,278
Mortgage loans held for sale	0	0
Deferred compensation plan assets	12,436	11,436
Servicing rights for SBA/USDA loans	0	0
Residential mortgage servicing rights	0	0
Derivative financial instruments	0	0
Total assets	304,666	173,066
Liabilities:
Deferred compensation plan liability	12,476	11,460
Derivative financial instruments	0	0
Total liabilities	12,476	11,460
Recurring | Level 1 | U.S. Treasuries
Assets:
Debt securities available-for-sale	283,830	149,352
Recurring | Level 1 | U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	0	0
Recurring | Level 1 | State and political subdivisions
Assets:
Debt securities available-for-sale	0	0
Recurring | Level 1 | Residential MBS
Assets:
Debt securities available-for-sale	0	0
Recurring | Level 1 | Commercial MBS
Assets:
Debt securities available-for-sale	0	0
Recurring | Level 1 | Corporate bonds
Assets:
Debt securities available-for-sale	0	0
Recurring | Level 1 | Asset-backed securities
Assets:
Debt securities available-for-sale	0	0
Recurring | Level 2
Assets:
Equity securities with readily determinable fair values	1,576	1,359
Mortgage loans held for sale	37,110	11,794
Deferred compensation plan assets	0	0
Servicing rights for SBA/USDA loans	0	0
Residential mortgage servicing rights	0	0
Derivative financial instruments	52,618	39,123
Total assets	2,987,407	3,515,045
Liabilities:
Deferred compensation plan liability	0	0
Derivative financial instruments	103,717	86,703
Total liabilities	103,717	86,703
Recurring | Level 2 | U.S. Treasuries
Assets:
Debt securities available-for-sale	0	0
Recurring | Level 2 | U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	224,695	250,116
Recurring | Level 2 | State and political subdivisions
Assets:
Debt securities available-for-sale	156,245	303,748
Recurring | Level 2 | Residential MBS
Assets:
Debt securities available-for-sale	1,546,422	1,795,481
Recurring | Level 2 | Commercial MBS
Assets:
Debt securities available-for-sale	602,060	671,912
Recurring | Level 2 | Corporate bonds
Assets:
Debt securities available-for-sale	192,626	210,240
Recurring | Level 2 | Asset-backed securities
Assets:
Debt securities available-for-sale	174,055	231,272
Recurring | Level 3
Assets:
Equity securities with readily determinable fair values	0	0
Mortgage loans held for sale	0	0
Deferred compensation plan assets	0	0
Servicing rights for SBA/USDA loans	5,431	5,188
Residential mortgage servicing rights	38,234	36,559
Derivative financial instruments	13,079	11,513
Total assets	58,923	55,472
Liabilities:
Deferred compensation plan liability	0	0
Derivative financial instruments	13,638	12,840
Total liabilities	13,638	12,840
Recurring | Level 3 | U.S. Treasuries
Assets:
Debt securities available-for-sale	0	0
Recurring | Level 3 | U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	0	0
Recurring | Level 3 | State and political subdivisions
Assets:
Debt securities available-for-sale	0	0
Recurring | Level 3 | Residential MBS
Assets:
Debt securities available-for-sale	0	0
Recurring | Level 3 | Commercial MBS
Assets:
Debt securities available-for-sale	0	0
Recurring | Level 3 | Corporate bonds
Assets:
Debt securities available-for-sale	2,179	2,212
Recurring | Level 3 | Asset-backed securities
Assets:
Debt securities available-for-sale	$ 0	$ 0

Assets and Liabilities Measur_4

Assets and Liabilities Measured at Fair Value - Reconciliation of Assets Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Details) - Recurring - Level 3 - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Derivative Liabilities
Liabilities:
Beginning balance	$ 12,564	$ 10,795	$ 12,840	$ 5,048
Business combinations			0	0
Additions	0	0	170	99
Transfers from Level 3			0	0
Sales and settlements	0	0	0	(1)
Fair value adjustments included in OCI	0	0	0	0
Fair value adjustments included in earnings	1,074	2,866	628	8,515
Ending balance	13,638	13,661	13,638	13,661
Derivative Assets
Assets:
Beginning balance	11,872	10,199	11,513	6,758
Business combinations			0	0
Additions	0	0	0	0
Transfers from Level 3			0	(290)
Sales and settlements	0	0	(11)	0
Fair value adjustments included in OCI	0	0	0	0
Fair value adjustments included in earnings	1,207	1,819	1,577	5,550
Ending balance	13,079	12,018	13,079	12,018
SBA/USDA loan servicing rights
Assets:
Beginning balance	6,148	6,167	5,188	6,513
Business combinations			95	0
Additions	525	411	1,449	1,799
Transfers from Level 3			0	0
Sales and settlements	(418)	(220)	(869)	(857)
Fair value adjustments included in OCI	0	0	0	0
Fair value adjustments included in earnings	(824)	(280)	(432)	(1,377)
Ending balance	5,431	6,078	5,431	6,078
Residential mortgage servicing rights
Assets:
Beginning balance	37,194	35,131	36,559	25,161
Business combinations			0	0
Additions	826	704	2,306	4,594
Transfers from Level 3			0	0
Sales and settlements	(534)	(602)	(1,482)	(1,916)
Fair value adjustments included in OCI	0	0	0	0
Fair value adjustments included in earnings	748	1,921	851	9,315
Ending balance	38,234	37,154	38,234	37,154
Corporate Bonds
Assets:
Beginning balance	2,183	2,287	2,212	2,395
Business combinations			0	0
Additions	0	0	0	0
Transfers from Level 3			0	0
Sales and settlements	0	0	0	0
Fair value adjustments included in OCI	(4)	(61)	(33)	(169)
Fair value adjustments included in earnings	0	0	0	0
Ending balance	$ 2,179	$ 2,226	$ 2,179	$ 2,226

Assets and Liabilities Measur_5

Assets and Liabilities Measured at Fair Value - Quantitative Information About Level 3 Fair Value Measurements for Fair Value on a Recurring Basis (Details) - Recurring - Level 3	Sep. 30, 2023	Dec. 31, 2022
SBA/USDA loan servicing rights | Discount rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.096	0.119
SBA/USDA loan servicing rights | Discount rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.250	0.250
SBA/USDA loan servicing rights | Discount rate | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.165	0.175
SBA/USDA loan servicing rights | Prepayment rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.042	0
SBA/USDA loan servicing rights | Prepayment rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.367	0.354
SBA/USDA loan servicing rights | Prepayment rate | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.178	0.164
Residential mortgage servicing rights | Discount rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.100	0.095
Residential mortgage servicing rights | Discount rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.125	0.115
Residential mortgage servicing rights | Discount rate | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.101	0.095
Residential mortgage servicing rights | Prepayment rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.065	0.070
Residential mortgage servicing rights | Prepayment rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.282	0.312
Residential mortgage servicing rights | Prepayment rate | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.073	0.075
Corporate bonds | Discount rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Corporate bonds, measurement input	0.068	0.061
Corporate bonds | Discount rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Corporate bonds, measurement input	0.073	0.064
Corporate bonds | Discount rate | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Corporate bonds, measurement input	0.071	0.063
Derivative assets - mortgage | Pull through rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative assets, measurement input	0.600	0.265
Derivative assets - mortgage | Pull through rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative assets, measurement input	1	1
Derivative assets - mortgage | Pull through rate | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative assets, measurement input	0.892	0.907

Assets and Liabilities Measur_6

Assets and Liabilities Measured at Fair Value - Loans Held for Sale at Fair Value Under the Fair Value Option (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Mortgage Loans Held for Sale
Outstanding principal balance	$ 36,317		$ 36,317		$ 11,473
Fair value	37,110		37,110		$ 11,794
Mortgage loan gains and other related fees	$ 209	$ (809)	$ 473	$ (1,820)

Assets and Liabilities Measur_7

Assets and Liabilities Measured at Fair Value - Presentation of Assets Measured at Fair Value on Nonrecurring Basis (Details) - Nonrecurring - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	$ 37,236	$ 7,808
Mortgage loans held for sale		1,806
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	0	0
Mortgage loans held for sale		0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	0	0
Mortgage loans held for sale		0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	$ 37,236	7,808
Mortgage loans held for sale		$ 1,806

Assets and Liabilities Measur_8

Assets and Liabilities Measured at Fair Value - Narrative (Details)	9 Months Ended
	Sep. 30, 2023
Fair Value Disclosures [Abstract]
Maximum remaining maturity of financial instruments having no defined maturity	180 days

Assets and Liabilities Measur_9

Assets and Liabilities Measured at Fair Value - Carrying Amount and Fair Values for Other Financial Instruments that are not Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Assets:
HTM debt securities	$ 1,992,364	$ 2,191,073
Liabilities:
FHLB advances	0	550,000
Carrying Amount
Assets:
HTM debt securities	2,518,773	2,613,648
Loans and leases, net	18,001,250	15,175,270
Liabilities:
Deposits	22,857,868	19,876,507
FHLB advances		550,000
Long-term debt	324,786	324,663
Fair Value
Assets:
HTM debt securities	1,992,364	2,191,073
Loans and leases, net	17,215,625	14,609,239
Liabilities:
Deposits	22,849,880	19,863,380
FHLB advances		549,913
Long-term debt	307,234	313,380
Fair Value | Level 1
Assets:
HTM debt securities	17,266	17,417
Loans and leases, net	0	0
Liabilities:
Deposits	0	0
FHLB advances		0
Long-term debt	0	0
Fair Value | Level 2
Assets:
HTM debt securities	1,975,098	2,173,656
Loans and leases, net	0	0
Liabilities:
Deposits	22,849,880	19,863,380
FHLB advances		0
Long-term debt	0	0
Fair Value | Level 3
Assets:
HTM debt securities	0	0
Loans and leases, net	17,215,625	14,609,239
Liabilities:
Deposits	0	0
FHLB advances		549,913
Long-term debt	$ 307,234	$ 313,380

Stock-Based Compensation - Narr

Stock-Based Compensation - Narrative (Details) - USD ($) shares in Thousands	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Plan vesting period (in years)	4 years
Plan exercisable period (in years)	10 years
Additional awards remaining available under plan (in shares)	2,280
Income tax benefit related to expense for share-based awards	$ 1,810,000	$ 1,700,000
Stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	0	0
Restricted stock units and performance stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation expense	$ 23,700,000
Recognition period for unrecognized compensation expense (in years)	2 years 8 months 12 days
Restricted stock units and performance stock units | Employees | Salaries and employee benefits expense
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 6,540,000	6,240,000
Restricted stock units and performance stock units | Directors | Other operating expense
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 555,000	$ 412,000

Stock-Based Compensation - Rest

Stock-Based Compensation - Restricted Stock Units and Options Outstanding and Activity (Details) $ / shares in Units, $ in Thousands	9 Months Ended
	Sep. 30, 2023 USD ($) $ / shares shares
Options, Shares
Beginning balance, outstanding (in shares) | shares	40,338
Granted (in shares) | shares	643,298
Released / Exercised (in shares) | shares	(271,124)
Cancelled (in shares) | shares	(4,620)
Ending balance, outstanding (in shares) | shares	407,892
Vested / Exercisable (in shares) | shares	407,892
Options, Weighted Average Exercise Price
Beginning balance, outstanding (in dollars per share) | $ / shares	$ 11.88
Granted (in dollars per share) | $ / shares	20.91
Released / Exercised (in dollars per shares) | $ / shares	19.08
Cancelled (in dollars per share) | $ / shares	25.97
Ending balance, outstanding (in dollars per share) | $ / shares	21.17
Vested / Exercisable (in dollars per share) | $ / shares	$ 21.17
Outstanding, Weighted Average Remaining Term (in years)	5 years 4 months 24 days
Vested / Exercisable, Weighted Average Remaining Term (in years)	5 years 4 months 24 days
Released / Exercised during period, Aggregate Intrinsic Value | $	$ 2,367
Outstanding, Aggregate Intrinsic Value | $	1,769
Vested / Exercisable, Aggregate Intrinsic Value | $	$ 1,769
Restricted Stock Unit Awards
Shares
Outstanding, beginning balance (in shares) | shares	778,686
Granted (in shares) | shares	529,611
Released / Exercised (in shares) | shares	(264,031)
Cancelled (in shares) | shares	(50,110)
Outstanding, ending balance (in shares) | shares	994,156
Vested / Exercisable (in shares) | shares	0
Weighted- Average Grant- Date Fair Value
Outstanding, beginning balance (in dollars per share) | $ / shares	$ 28.28
Granted (in dollars per share) | $ / shares	29.11
Released / Exercised (in dollars per share) | $ / shares	25.99
Cancelled (in dollars per share) | $ / shares	30.32
Outstanding, ending balance (in dollars per share) | $ / shares	29.23
Vested / Exercisable (in dollars per share) | $ / shares	$ 0
Aggregate Intrinsic Value, Released / Exercised | $	$ 7,861
Aggregate Intrinsic Value, Outstanding | $	$ 25,262

Reclassifications Out of AOCI_2

Reclassifications Out of AOCI (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Securities losses, net	$ 0	$ 0	$ (1,644)	$ (3,688)
Income tax (expense) benefit	(11,925)	(22,388)	(47,941)	(53,898)
Investment securities interest revenue	323,147	213,887	898,409	572,324
Long-term debt interest expense	(3,669)	(4,206)	(11,339)	(12,515)
Salaries and employee benefits expense	(81,173)	(67,823)	(236,121)	(208,062)
Other expense	(6,904)	(6,172)	(22,785)	(16,066)
Total before tax	59,791	103,549	221,395	249,920
Net of tax	47,866	81,161	173,454	196,022
Reclassifications Out of AOCI
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net of tax	(1,899)	(3,562)	(5,891)	(8,056)
Reclassifications Out of AOCI | Realized losses on AFS securities:
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Securities losses, net	0	0	(1,644)	(3,688)
Income tax (expense) benefit	0	0	374	979
Net of tax	0	0	(1,270)	(2,709)
Reclassifications Out of AOCI | Amortization of unrealized losses on HTM securities transferred from AFS:
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Income tax (expense) benefit	593	1,073	1,917	1,495
Investment securities interest revenue	(2,478)	(4,473)	(7,964)	(6,242)
Net of tax	(1,885)	(3,400)	(6,047)	(4,747)
Reclassifications Out of AOCI | Reclassifications related to derivative instruments accounted for as cash flow hedges:
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Income tax (expense) benefit	(11)	12	(536)	75
Long-term debt interest expense	42	(48)	2,098	(295)
Net of tax	31	(36)	1,562	(220)
Reclassifications Out of AOCI | Amortization of defined benefit pension plan net periodic pension cost components:
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Income tax (expense) benefit	16	43	47	130
Total before tax	(61)	(169)	(183)	(510)
Net of tax	(45)	(126)	(136)	(380)
Reclassifications Out of AOCI | Prior service cost
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits expense	(61)	(91)	(183)	(276)
Reclassifications Out of AOCI | Actuarial losses
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Other expense	$ 0	$ (78)	$ 0	$ (234)

Earnings Per Share - Computatio

Earnings Per Share - Computation of Basic and Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Computation of basic and diluted earnings per share
Net income	$ 47,866	$ 81,161	$ 173,454	$ 196,022
Dividends on preferred stock	(1,624)	(1,719)	(5,062)	(5,157)
Discount on preferred shares repurchased	792	0	792	0
Earnings allocated to participating securities	(259)	(407)	(939)	(1,007)
Net income available to common shareholders, basic	46,775	79,035	168,245	189,858
Net income available to common shareholders, diluted	$ 46,775	$ 79,035	$ 168,245	$ 189,858
Weighted average shares outstanding:
Basic (in shares)	119,506	106,687	116,925	106,616
Effect of dilutive securities:
Diluted (in shares)	119,624	106,800	117,084	106,732
Net income per common share:
Basic (in dollars per share)	$ 0.39	$ 0.74	$ 1.44	$ 1.78
Diluted (in dollars per share)	$ 0.39	$ 0.74	$ 1.44	$ 1.78
Stock options
Effect of dilutive securities:
Restricted stock units (in shares)	95	38	141	40
Restricted stock units
Effect of dilutive securities:
Restricted stock units (in shares)	23	75	18	76

Earnings Per Share - Narrative

Earnings Per Share - Narrative (Details) - shares	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Earnings Per Share [Abstract]
Potentially dilutive instruments outstanding not included in EPS analysis (in shares)	1,968	0

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands	Sep. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 capital, Minimum	0.045
CET1 capital, Well-Capitalized	0.065
CET1 capital	0.1215	0.1226
Tier 1 capital, Minimum	0.060
Tier 1 capital, Well-Capitalized	0.080
Tier 1 capital	0.1260	0.1281
Total capital, Minimum	0.080
Total capital, Well-Capitalized	0.100
Total capital	0.1445	0.1479
Leverage ratio, Minimum	0.040
Leverage ratio, Well-Capitalized	0.050
Leverage ratio	0.0970	0.0969
CET1 capital	$ 2,445,212	$ 2,164,211
Tier 1 capital	2,535,495	2,260,633
Total capital	2,907,824	2,610,216
Risk-weighted assets	20,129,470	17,648,573
Average total assets for the leverage ratio	$ 26,141,324	$ 23,322,018
United Community Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 capital	0.1226	0.1283
Tier 1 capital	0.1226	0.1283
Total capital	0.1325	0.1370
Leverage ratio	0.0943	0.0969
CET1 capital	$ 2,457,791	$ 2,255,337
Tier 1 capital	2,457,791	2,255,337
Total capital	2,654,380	2,408,895
Risk-weighted assets	20,039,784	17,583,347
Average total assets for the leverage ratio	$ 26,059,562	$ 23,285,253

Commitments and Contingencies -

Commitments and Contingencies - Contractual Amount of Off-balance Sheet Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Commitments to extend credit
Financial instruments whose contract amounts represent credit risk:
Financial instruments whose contract amounts represent credit risk:	$ 4,608,549	$ 4,683,790
Letters of credit
Financial instruments whose contract amounts represent credit risk:
Financial instruments whose contract amounts represent credit risk:	$ 56,455	$ 46,896

Commitment and Contingencies -

Commitment and Contingencies - Tax Credit and Certain Equity Method Investments (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Fintech funds and certain other equity method investments:
Other Commitments [Line Items]
Amount of future funding commitments	$ 25,918	$ 23,690
Other assets | Investments in LIHTC:
Other Commitments [Line Items]
Investments in LIHTC: Carrying amount	50,432	50,054
Other assets | Renewable energy investments:
Other Commitments [Line Items]
Carrying amount	37,343	19,617
Other assets | Fintech funds and certain other equity method investments:
Other Commitments [Line Items]
Carrying amount	38,209	27,569
Other liabilities | Investments in LIHTC:
Other Commitments [Line Items]
Investments in LIHTC: Amount of future funding commitments included in carrying amount	14,990	18,090
Other liabilities | Renewable energy investments:
Other Commitments [Line Items]
Amount of future funding commitments	15,795	18,781
Other liabilities | Fintech funds and certain other equity method investments:
Other Commitments [Line Items]
Amount of future funding commitments	$ 5,786	$ 470

Short-term Borrowings - Repurch

Short-term Borrowings - Repurchase Agreements are Secured Borrowings (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Short-Term Debt [Line Items]
Total	$ 37,348	$ 158,933
Overnight and Continuous
Short-Term Debt [Line Items]
Total	37,348	158,933
Up to 30 Days
Short-Term Debt [Line Items]
Total	0	0
30-90 Days
Short-Term Debt [Line Items]
Total	0	0
Greater than 90 days
Short-Term Debt [Line Items]
Total	0	0
U.S. Government agencies & GSEs
Short-Term Debt [Line Items]
Total	37,348
U.S. Government agencies & GSEs | Overnight and Continuous
Short-Term Debt [Line Items]
Total	37,348
U.S. Government agencies & GSEs | Up to 30 Days
Short-Term Debt [Line Items]
Total	0
U.S. Government agencies & GSEs | 30-90 Days
Short-Term Debt [Line Items]
Total	0
U.S. Government agencies & GSEs | Greater than 90 days
Short-Term Debt [Line Items]
Total	$ 0
U.S. Treasuries
Short-Term Debt [Line Items]
Total		158,933
U.S. Treasuries | Overnight and Continuous
Short-Term Debt [Line Items]
Total		158,933
U.S. Treasuries | Up to 30 Days
Short-Term Debt [Line Items]
Total		0
U.S. Treasuries | 30-90 Days
Short-Term Debt [Line Items]
Total		0
U.S. Treasuries | Greater than 90 days
Short-Term Debt [Line Items]
Total		$ 0

Short-term Borrowings - Narrati

Short-term Borrowings - Narrative (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Debt Disclosure [Abstract]
Carrying amount	$ 62.3	$ 163

Subsequent Events (Details)

Subsequent Events (Details) - USD ($)	1 Months Ended	3 Months Ended	9 Months Ended
	Nov. 01, 2023	Sep. 30, 2023	Sep. 30, 2023
Subsequent Event [Line Items]
Stock repurchased value		$ 5,090,000	$ 5,312,000
Depositary Shares, 1/1000th Of Preferred Share | Preferred Stock
Subsequent Event [Line Items]
Shares repurchased (in shares)		244,012	254,680
Repurchase program remaining authorization		$ 19,700,000	$ 19,700,000
Subsequent event | Depositary Shares, 1/1000th Of Preferred Share | Preferred Stock
Subsequent Event [Line Items]
Shares repurchased (in shares)	83,670
Stock repurchased value	$ 338,350
Repurchase program remaining authorization	$ 17,800,000