United Community Banks (UCB) 10-Q 9 Aug 24 2024 Q2 Quarterly report Financial data

Cover

Cover - shares	6 Months Ended
	Jun. 30, 2024	Jul. 31, 2024
Entity Listings [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2024
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	200 East Camperdown Way
Entity Address, City or Town	Greenville
Entity Address, State or Province	SC
Entity Address, Postal Zip Code	29601
City Area Code	800
Local Phone Number	822-2651
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		119,202,592
Entity Central Index Key	0000857855
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q2
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	UCB
Security Exchange Name	NYSE
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	UCB PRI
Security Exchange Name	NYSE

Consolidated Balance Sheets (Un

Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 198,234	$ 200,781
Interest-bearing deposits in banks	364,629	803,094
Cash and cash equivalents	562,863	1,003,875
Debt securities available-for-sale	3,604,769	3,331,084
Debt securities held-to-maturity (fair value $2,004,427 and $2,095,620, respectively)	2,432,941	2,490,848
Loans held for sale	49,315	33,008
Loans and leases held for investment	18,211,193	18,318,755
Allowance for credit losses - loans and leases	(213,022)	(208,071)
Loans and leases, net	17,998,171	18,110,684
Premises and equipment, net	395,202	378,421
Bank owned life insurance	344,162	345,371
Goodwill and other intangible assets, net	978,645	990,087
Other assets (including $116,423 and $111,879 at fair value, respectively)	691,133	613,873
Total assets	27,057,201	27,297,251
Deposits:
Noninterest-bearing demand	6,291,124	6,534,307
Interest-bearing deposits	16,690,998	16,776,304
Total deposits	22,982,122	23,310,611
Long-term debt	324,887	324,823
Accrued expenses and other liabilities (including $101,645 and $97,649 at fair value, respectively)	407,559	400,292
Total liabilities	23,714,568	24,035,726
Shareholders' equity:
Preferred stock, $1 par value: 10,000,000 shares authorized; 3,662 shares Series I issued and outstanding; $25,000 per share liquidation preference	88,266	88,266
Common stock, $1 par value: 200,000,000 shares authorized, 119,174,803 and 119,010,319 shares issued and outstanding, respectively	119,175	119,010
Common stock issuable: 568,985 and 620,108 shares, respectively	12,145	13,110
Capital surplus	2,705,345	2,699,112
Retained earnings	652,239	581,219
Accumulated other comprehensive loss	(234,537)	(239,192)
Total shareholders' equity	3,342,633	3,261,525
Total liabilities and shareholders' equity	$ 27,057,201	$ 27,297,251

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Debt securities, held-to-maturity, fair value	$ 2,004,427	$ 2,095,620
Other assets, fair value	116,423	111,879
Accrued expenses and other liabilities, fair value	$ 101,645	$ 97,649
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)	3,662	3,662
Preferred stock, outstanding (in shares)	3,662	3,662
Preferred stock, liquidation preference (in dollars per share)	$ 25	$ 25
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)	119,174,803	119,010,319
Common stock, outstanding (in shares)	119,174,803	119,010,319
Common stock, issuable (in shares)	568,985	620,108

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Interest revenue:
Loans, including fees	$ 291,595	$ 250,484	$ 575,578	$ 486,915
Investment securities, including tax exempt of $1,699, $1,731, $3,420 and $3,841, respectively	50,063	41,060	96,499	81,046
Deposits in banks and short-term investments	5,307	4,231	11,616	7,301
Total interest revenue	346,965	295,775	683,693	575,262
Interest expense:
Deposits	134,462	89,217	268,246	147,078
Short-term borrowings	60	1,849	60	2,997
Federal Home Loan Bank advances	0	649	0	5,761
Long-term debt	3,743	3,774	7,538	7,670
Total interest expense	138,265	95,489	275,844	163,506
Net interest revenue	208,700	200,286	407,849	411,756
Provision for credit losses	12,235	22,753	25,134	44,536
Net interest revenue after provision for credit losses	196,465	177,533	382,715	367,220
Noninterest income:
Wealth management fees	6,386	5,600	12,699	11,324
Gains from sales of other loans	1,296	2,305	2,833	4,221
Lending and loan servicing fees	3,328	2,978	7,538	6,994
Securities losses, net	0	0	0	(1,644)
Other	8,127	9,143	18,879	16,120
Total noninterest income	36,556	36,387	76,143	66,596
Total revenue	233,021	213,920	458,858	433,816
Noninterest expenses:
Salaries and employee benefits	85,818	76,250	170,803	154,948
Communications and equipment	11,988	10,744	23,908	20,752
Occupancy	11,056	10,194	22,155	20,083
Advertising and public relations	2,459	2,314	4,360	4,663
Postage, printing and supplies	2,251	2,382	4,899	4,919
Professional fees	6,044	6,592	12,032	12,664
Lending and loan servicing expense	2,014	2,530	3,841	4,849
Outside services - electronic banking	2,812	2,660	5,730	6,085
FDIC assessments and other regulatory charges	4,467	4,142	12,033	8,143
Amortization of intangibles	3,794	3,421	7,681	6,949
Merger-related and other charges	2,157	3,645	4,244	12,276
Other	12,184	7,533	20,360	15,881
Total noninterest expenses	147,044	132,407	292,046	272,212
Income before income taxes	85,977	81,513	166,812	161,604
Income tax expense	19,362	18,225	37,566	36,016
Net income	66,615	63,288	129,246	125,588
Net income available to common shareholders, basic	64,674	61,227	125,387	121,470
Net income available to common shareholders, diluted	$ 64,674	$ 61,227	$ 125,387	$ 121,470
Net income per common share:
Basic (in dollars per share)	$ 0.54	$ 0.53	$ 1.05	$ 1.05
Diluted (in dollars per share)	$ 0.54	$ 0.53	$ 1.05	$ 1.05
Weighted average common shares outstanding:
Basic (in shares)	119,726	115,774	119,694	115,614
Diluted (in shares)	119,785	115,869	119,763	115,795
Service charges and fees
Noninterest income:
Service charges and other related fees	$ 10,620	$ 9,777	$ 19,884	$ 18,476
Mortgage loan gains and other related fees
Noninterest income:
Service charges and other related fees	$ 6,799	$ 6,584	$ 14,310	$ 11,105

Consolidated Statements of In_2

Consolidated Statements of Income (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Income Statement [Abstract]
Investment securities, including tax exempt	$ 1,699	$ 1,731	$ 3,420	$ 3,841

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Statement of Comprehensive Income [Abstract]
Net income, Before-tax Amount	$ 85,977	$ 81,513	$ 166,812	$ 161,604
Net income, Tax (Expense) Benefit	(19,362)	(18,225)	(37,566)	(36,016)
Net income	66,615	63,288	129,246	125,588
Unrealized gains (losses) on available-for-sale securities:
Unrealized holding (losses) gains, Before-tax Amount		(19,753)		23,526
Unrealized holding (losses) gains, Tax (Expense) Benefit		4,782		(5,502)
Unrealized holding (losses) gains, Net of Tax Amount		(14,971)		18,024
Reclassification adjustment for losses included in net income, Before-tax Amount		0		1,644
Reclassification adjustment for losses included in net income, Tax (Expense) Benefit	0	0	0	(374)
Reclassification adjustment for losses included in net income, Net of Tax Amount		0		1,270
Net unrealized (losses) gains, Before-tax Amount	1,348	(19,753)	1,704	25,170
Net unrealized (losses) gains, Tax (Expense) Benefit	(773)		(982)
Net unrealized (losses) gains, Tax (Expense) Benefit		4,782		(5,876)
Net unrealized (losses) gains, Net of Tax Amount	575	(14,971)	722	19,294
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale, Before-tax amount	2,474		4,537
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale, Tax (Expense) Benefit	(702)		(1,195)
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale, Net of Tax Amount	1,772		3,342
Unrealized losses on held-to-maturity securities transferred from available-for-sale:
Amortization of unrealized losses, Before-tax Amount		2,518		5,486
Amortization of unrealized losses, Tax (Expense) Benefit		(604)		(1,324)
Amortization of unrealized losses, Net of Tax Amount		1,914		4,162
Derivative instruments designated as cash flow hedges:
Unrealized holding gains (losses) on derivatives, Before-tax Amount	1,000	3,303	3,524	2,101
Unrealized holding gains (losses) on derivatives, Tax (Expense) Benefit	(208)	(843)	(853)	(536)
Unrealized holding gains (losses) on derivatives, Net of Tax Amount	792	2,460	2,671	1,565
Gains on derivative instruments realized in net income, Before-tax Amount	(1,438)	(1,234)	(2,878)	(2,056)
Gains on derivative instruments realized in net income, Tax (Expense) Benefit	363	315	731	525
Gains on derivative instruments realized in net income, Net of Tax Amount	(1,075)	(919)	(2,147)	(1,531)
Net cash flow hedge activity, Before-tax Amount	(438)	2,069	646	45
Net cash flow hedge activity, Tax (Expense) Benefit	155	(528)	(122)	(11)
Net cash flow hedge activity, Net of tax Amount	(283)	1,541	524	34
Amortization of defined benefit pension plan net periodic pension cost components, Before-tax Amount	46	61	90	122
Amortization of defined benefit pension plan net periodic pension cost components, Tax (Expense) Benefit	(12)	(15)	(23)	(31)
Amortization of defined benefit pension plan net periodic pension cost components, Net of Tax Amount	34	46	67	91
Total other comprehensive (loss) income, Before-tax Amount	3,430	(15,105)	6,977	30,823
Total other comprehensive (loss) income, Tax (Expense) Benefit	(1,332)	3,635	(2,322)	(7,242)
Total other comprehensive (loss) income, Net of Tax Amount	2,098	(11,470)	4,655	23,581
Comprehensive income, Before-tax Amount	89,407	66,408	173,789	192,427
Comprehensive income, Tax (Expense) Benefit	(20,694)	(14,590)	(39,888)	(43,258)
Comprehensive income, Net of Tax Amount	$ 68,713	$ 51,818	$ 133,901	$ 149,169

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, 2022		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	125,588					125,588
Other comprehensive (loss) income	23,581						23,581
Impact of acquisitions (in shares)		8,770,531
Impact of acquisitions	306,461	$ 8,771			297,690
Preferred stock dividends	(3,438)					(3,438)
Common stock dividends	(53,678)					(53,678)
Purchases of preferred stock	(222)		(257)		35
Impact of equity-based compensation awards (in shares)		232,302
Impact of equity-based compensation awards	6,744	$ 232		623	5,889
Impact of other United sponsored equity plans (in shares)		40,321
Impact of other United sponsored equity plans	(119)	$ 40		(702)	543
Ending balance (in shares) at Jun. 30, 2023		115,265,912
Ending balance at Jun. 30, 2023	3,105,591	$ 115,266	96,165	12,228	2,610,523	577,316	(305,907)
Beginning balance (in shares) at Mar. 31, 2023		115,151,566
Beginning balance at Mar. 31, 2023	3,078,123	$ 115,152	96,422	11,977	2,606,403	542,606	(294,437)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	63,288					63,288
Other comprehensive (loss) income	(11,470)						(11,470)
Preferred stock dividends	(1,719)					(1,719)
Common stock dividends	(26,859)					(26,859)
Purchases of preferred stock	(222)		(257)		35
Impact of equity-based compensation awards (in shares)		110,414
Impact of equity-based compensation awards	4,224	$ 110		125	3,989
Impact of other United sponsored equity plans (in shares)		3,932
Impact of other United sponsored equity plans	226	$ 4		126	96
Ending balance (in shares) at Jun. 30, 2023		115,265,912
Ending balance at Jun. 30, 2023	$ 3,105,591	$ 115,266	96,165	12,228	2,610,523	577,316	(305,907)
Beginning balance (in shares) at Dec. 31, 2023	119,010,319	119,010,319
Beginning balance at Dec. 31, 2023	$ 3,261,525	$ 119,010	88,266	13,110	2,699,112	581,219	(239,192)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	129,246					129,246
Other comprehensive (loss) income	4,655						4,655
Impact of acquisitions	0
Preferred stock dividends	(3,146)					(3,146)
Common stock dividends	(55,080)					(55,080)
Impact of equity-based compensation awards (in shares)		114,691
Impact of equity-based compensation awards	5,688	$ 114		168	5,406
Impact of other United sponsored equity plans (in shares)		49,793
Impact of other United sponsored equity plans	$ (255)	$ 51		(1,133)	827
Ending balance (in shares) at Jun. 30, 2024	119,174,803	119,174,803
Ending balance at Jun. 30, 2024	$ 3,342,633	$ 119,175	88,266	12,145	2,705,345	652,239	(234,537)
Beginning balance (in shares) at Mar. 31, 2024		119,136,518
Beginning balance at Mar. 31, 2024	3,300,110	$ 119,137	88,266	11,923	2,702,807	614,612	(236,635)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	66,615					66,615
Other comprehensive (loss) income	2,098						2,098
Preferred stock dividends	(1,573)					(1,573)
Common stock dividends	(27,415)					(27,415)
Impact of equity-based compensation awards (in shares)		34,544
Impact of equity-based compensation awards	2,576	$ 34		92	2,450
Impact of other United sponsored equity plans (in shares)		3,741
Impact of other United sponsored equity plans	$ 222	$ 4		130	88
Ending balance (in shares) at Jun. 30, 2024	119,174,803	119,174,803
Ending balance at Jun. 30, 2024	$ 3,342,633	$ 119,175	$ 88,266	$ 12,145	$ 2,705,345	$ 652,239	$ (234,537)

Consolidated Statement of Cha_2

Consolidated Statement of Changes in Shareholders' Equity (Unaudited) (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Statement of Stockholders' Equity [Abstract]
Common stock dividends (in dollars per share)	$ 0.23	$ 0.23	$ 0.46	$ 0.46

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Operating activities:
Net income	$ 129,246	$ 125,588
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net	20,616	23,592
Provision for credit losses	25,134	44,536
Stock based compensation	4,989	4,790
Deferred income tax expense	1,808	5,599
Securities losses, net	0	1,644
Gains from sales of other loans	(2,833)	(4,221)
FinTrust goodwill write-down	5,100	0
Changes in assets and liabilities:
Other assets	4,574	(2,962)
Accrued expenses and other liabilities	21,574	(2,128)
Loans held for sale	(16,307)	(11,417)
Net cash provided by operating activities	193,901	185,021
Debt securities held-to-maturity:
Proceeds from maturities and calls	60,939	63,602
Debt securities available-for-sale:
Proceeds from sales	647	380,661
Proceeds from maturities and calls	356,110	179,586
Purchases	(635,039)	(186,810)
Net decrease (increase) in loans	89,127	(618,464)
Payments for other investments	(97,829)	(122,923)
Proceeds from other investments	556	122,576
Proceeds from sales of premises and equipment	16	2,169
Purchases of premises and equipment	(31,568)	(43,809)
Net cash received in acquisition	0	57,101
Other investing inflows	9,772	2,846
Net cash used in investing activities	(247,269)	(163,465)
Financing activities:
Net (decrease) increase in deposits	(329,119)	1,040,034
Net decrease in short-term borrowings	0	(299,951)
Proceeds from FHLB advances	100	2,225,000
Repayment of FHLB advances	(100)	(2,870,000)
Cash dividends on common stock	(55,494)	(50,493)
Cash dividends on preferred stock	(3,146)	(3,438)
Other financing inflows	1,328	3,116
Other financing outflows	(1,213)	(1,941)
Net cash (used in) provided by financing activities	(387,644)	42,327
Net change in cash and cash equivalents	(441,012)	63,883
Cash and cash equivalents, beginning of period	1,003,875	646,853
Cash and cash equivalents, end of period	562,863	710,736
FinTrust
Adjustments to reconcile net income to net cash provided by operating activities:
FinTrust goodwill write-down	$ 5,100	$ 0

Basis of Presentation

Basis of Presentation	6 Months Ended
	Jun. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation	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 2023 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 2023 10-K. In May 2024, United officially moved its Holding Company headquarters from Blairsville, Georgia to Greenville, South Carolina. Effective in June 2024, the Bank changed its primary federal regulator from the FDIC to the Federal Reserve. Effective August 6, 2024, United transferred the listing of its securities from NASDAQ to the New York Stock Exchange. The common shares are now listed under the trading symbol UCB and the preferred Series I depositary shares are now listed under the trading symbol UCB PRI. Revision of Previously Issued Financial Statements In this Form 10-Q, management corrected an immaterial error related to the loan vintage disclosure reported in previously issued financial statements for the period presented in the 2023 10-K. The error relates to the incorrect determination of the vintage year for a population of term loans and gross charge-offs. The correction of this error resulted in the reclassification of certain term loans and gross charge-offs to older vintage categories than originally reported. The correction of this error did not result in any reclassification between risk categories presented. The revision did not change the total amount of loans or gross charge-offs reported and did not affect the Company's net income, cash flows or equity. We evaluated the aggregate effects of this error to our previously issued financial statements in accordance with SEC Staff Accounting Bulletins No. 99 and No. 108 and, based upon quantitative and qualitative factors, determined that the error was not material to the previously issued financial statements and disclosures included in our 2023 10-K.

Recently Adopted Accounting Sta

Recently Adopted Accounting Standards	6 Months Ended
	Jun. 30, 2024
Accounting Changes and Error Corrections [Abstract]
Recently Adopted Accounting Standards	Recently Adopted Accounting 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 PAM and related disclosures to tax equity investments other than LIHTC, providing certain conditions are met. The election to apply PAM must be made on a tax-credit-program by tax-credit-program basis rather than at the reporting entity level or to individual investments. United adopted this update using a modified retrospective transition method as of January 1, 2024, with no impact to shareholders’ equity.

Supplemental Cash Flow Informat

Supplemental Cash Flow Information	6 Months Ended
	Jun. 30, 2024
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 six months ended June 30, 2024 and 2023 is as follows. Six Months Ended June 30, (in thousands) 2024 2023 Significant non-cash investing and financing transactions: Commitments to fund other investments $ 9,214 $ 11,093 Acquisitions: Assets acquired — 1,903,930 Liabilities assumed — 1,597,022 Net assets acquired — 306,908 Common stock issued and options converted — 306,461

Acquisitions

Acquisitions	6 Months Ended
	Jun. 30, 2024
Business Combination, Asset Acquisition, and Joint Venture Formation [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. Information related to the fair value of assets and liabilities acquired is included in the 2023 10-K. During the first quarter of 2024, within the one-year measurement period related to the acquisition of First Miami, United received additional information regarding the lack of realizability of certain tax credits. As a result, the provisional fair value assigned to acquired other assets was adjusted to $18.8 million, other liabilities was adjusted to $16.9 million and goodwill was adjusted to $24.5 million, which represents a decrease of $2.06 million, a decrease of $726,000 and an increase of $1.34 million, respectively. Pro forma information - Progress On January 3, 2023 United acquired all of the outstanding common stock of Progress in a stock transaction. The following table discloses certain pro forma information as if Progress had been acquired on January 1, 2022. These results combine the historical results of Progress 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 Progress acquisition for the three and six months ended June 30, 2023 of $2.29 million and $9.78 million, respectively, have been excluded from the pro forma information for those periods presented below. The actual results and pro forma information were as follows: Three Months Ended Six Months Ended (in thousands) Revenue Net Income Revenue Net Income Actual Progress results included in statement of income since acquisition date $ 17,969 $ 3,288 $ 24,621 $ 5,098 Supplemental consolidated pro forma as if Progress had been acquired January 1, 2022 $ 213,509 $ 64,832 443,050 140,041

Investment Securities

Investment Securities	6 Months Ended
	Jun. 30, 2024
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 June 30, 2024 U.S. Treasuries $ 19,880 $ — $ 2,061 $ 17,819 U.S. Government agencies & GSEs 99,116 — 16,810 82,306 State and political subdivisions 291,782 6 55,443 236,345 Residential MBS, Agency & GSEs 1,334,113 1 225,151 1,108,963 Commercial MBS, Agency & GSEs 673,050 — 126,281 546,769 Supranational entities 15,000 — 2,775 12,225 Total $ 2,432,941 $ 7 $ 428,521 $ 2,004,427 As of December 31, 2023 U.S. Treasuries $ 19,864 $ — $ 1,914 $ 17,950 U.S. Government agencies & GSEs 99,052 — 15,689 83,363 State and political subdivisions 292,705 171 50,437 242,439 Residential MBS, Agency & GSEs 1,383,294 24 206,344 1,176,974 Commercial MBS, Agency & GSEs 680,933 — 118,539 562,394 Supranational entities $ 15,000 $ — $ 2,500 $ 12,500 Total $ 2,490,848 $ 195 $ 395,423 $ 2,095,620 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) Amortized Gross Unrealized Gross Unrealized Fair As of June 30, 2024 U.S. Treasuries $ 485,422 $ 126 $ 12,884 $ 472,664 U.S. Government agencies & GSEs 326,837 334 14,764 312,407 State and political subdivisions 178,603 — 19,068 159,535 Residential MBS, Agency & GSEs 1,357,700 341 132,456 1,225,585 Residential MBS, Non-agency 325,219 — 20,614 304,605 Commercial MBS, Agency & GSEs 824,489 306 39,618 785,177 Commercial MBS, Non-agency 19,944 — 546 19,398 Corporate bonds 211,342 129 17,063 194,408 Asset-backed securities 131,868 187 1,065 130,990 Total $ 3,861,424 $ 1,423 $ 258,078 $ 3,604,769 As of December 31, 2023 U.S. Treasuries $ 398,021 $ 39 $ 10,711 $ 387,349 U.S. Government agencies & GSEs 281,708 269 14,477 267,500 State and political subdivisions 182,546 5 18,502 164,049 Residential MBS, Agency & GSEs 1,315,064 300 125,012 1,190,352 Residential MBS, Non-agency 339,330 — 22,084 317,246 Commercial MBS, Agency & GSEs 656,004 1,073 39,017 618,060 Commercial MBS, Non-agency 24,269 — 675 23,594 Corporate bonds 218,285 64 17,127 201,222 Asset-backed securities 164,728 — 3,016 161,712 Total $ 3,579,955 $ 1,750 $ 250,621 $ 3,331,084 Securities with a carrying value of $2.80 billion and $4.12 billion, respectively, were pledged, primarily to secure public deposits at June 30, 2024 and to secure public deposits and provide contingent liquidity through the Bank Term Funding Program at the Federal Reserve Bank, at December 31, 2023. The Bank Term Funding Program was discontinued in the first quarter of 2024. The following table summarizes HTM debt securities in an unrealized loss position as of the dates indicated. Less than 12 Months 12 Months or More Total (in thousands) Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized As of June 30, 2024 U.S. Treasuries $ — $ — $ 17,819 $ 2,061 $ 17,819 $ 2,061 U.S. Government agencies & GSEs — — 82,306 16,810 82,306 16,810 State and political subdivisions 20,385 301 215,054 55,142 235,439 55,443 Residential MBS, Agency & GSEs 1,405 14 1,107,463 225,137 1,108,868 225,151 Commercial MBS, Agency & GSEs — — 546,769 126,281 546,769 126,281 Supranational entities — — 12,225 2,775 12,225 2,775 Total unrealized loss position $ 21,790 $ 315 $ 1,981,636 $ 428,206 $ 2,003,426 $ 428,521 As of December 31, 2023 U.S. Treasuries $ — $ — $ 17,951 $ 1,914 $ 17,951 $ 1,914 U.S. Government agencies & GSEs — — 83,363 15,689 83,363 15,689 State and political subdivisions 2,986 13 217,547 50,424 220,533 50,437 Residential MBS, Agency & GSEs 311 2 1,175,263 206,342 1,175,574 206,344 Commercial MBS, Agency & GSEs 6,533 115 555,861 118,424 562,394 118,539 Supranational entities — — 12,500 2,500 12,500 2,500 Total unrealized loss position $ 9,830 $ 130 $ 2,062,485 $ 395,293 $ 2,072,315 $ 395,423 The following table summarizes AFS debt securities in an unrealized loss position as of the dates indicated. Less than 12 Months 12 Months or More Total (in thousands) Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized As of June 30, 2024 U.S. Treasuries $ 344,223 $ 2,027 $ 103,459 $ 10,857 $ 447,682 $ 12,884 U.S. Government agencies & GSEs 54,359 171 175,057 14,593 229,416 14,764 State and political subdivisions 759 — 158,776 19,068 159,535 19,068 Residential MBS, Agency & GSEs 77,309 506 1,056,295 131,950 1,133,604 132,456 Residential MBS, Non-agency — — 304,605 20,614 304,605 20,614 Commercial MBS, Agency & GSEs 303,535 1,773 377,126 37,845 680,661 39,618 Commercial MBS, Non-agency — — 19,399 546 19,399 546 Corporate bonds 1,455 45 191,005 17,018 192,460 17,063 Asset-backed securities 2,194 13 105,237 1,052 107,431 1,065 Total unrealized loss position $ 783,834 $ 4,535 $ 2,490,959 $ 253,543 $ 3,274,793 $ 258,078 As of December 31, 2023 U.S. Treasuries $ 100,369 $ 39 $ 103,535 $ 10,672 $ 203,904 $ 10,711 U.S. Government agencies & GSEs 41,960 141 184,184 14,336 226,144 14,477 State and political subdivisions — — 163,278 18,502 163,278 18,502 Residential MBS, Agency & GSEs 50,014 672 1,108,290 124,340 1,158,304 125,012 Residential MBS, Non-agency — — 317,247 22,084 317,247 22,084 Commercial MBS, Agency & GSEs 98,052 2,494 342,390 36,523 440,442 39,017 Commercial MBS, Non-agency — — 23,594 675 23,594 675 Corporate bonds 4,016 116 195,329 17,011 199,345 17,127 Asset-backed securities 11,855 53 149,857 2,963 161,712 3,016 Total unrealized loss position $ 306,266 $ 3,515 $ 2,587,704 $ 247,106 $ 2,893,970 $ 250,621 At June 30, 2024, there were 638 AFS debt securities and 325 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 June 30, 2024 were primarily attributable to changes in interest rates. At June 30, 2024 and December 31, 2023, 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 June 30, 2024 or December 31, 2023. In addition, based on the assessments performed at June 30, 2024 and December 31, 2023, there was no ACL required related to the AFS portfolio. The following table presents accrued interest receivable on HTM and AFS debt securities, which was excluded from the estimate of credit losses, for the periods indicated. Accrued Interest Receivable (in thousands) June 30, 2024 December 31, 2023 HTM $ 6,026 $ 6,143 AFS 15,443 12,568 The amortized cost and fair value of AFS and HTM debt securities at June 30, 2024, by contractual maturity, are presented in the following table. AFS HTM (in thousands) Amortized Cost Fair Value Amortized Cost Fair Value Within 1 year: U.S. Treasuries $ 147,717 $ 147,487 $ — $ — U.S. Government agencies & GSEs 371 359 — — State and political subdivisions 4,084 3,994 2,701 2,694 Corporate bonds 27,544 26,843 — — 179,716 178,683 2,701 2,694 1 to 5 years: U.S. Treasuries 337,705 325,177 19,880 17,819 U.S. Government agencies & GSEs 49,479 45,424 — — State and political subdivisions 24,753 22,724 25,637 23,939 Corporate bonds 139,446 128,707 — — 551,383 522,032 45,517 41,758 5 to 10 years: U.S. Government agencies & GSEs 137,192 131,259 72,703 61,206 State and political subdivisions 61,713 52,564 55,597 46,782 Corporate bonds 43,539 37,940 — — Supranational entities — — 15,000 12,225 242,444 221,763 143,300 120,213 More than 10 years: U.S. Government agencies & GSEs 139,795 135,365 26,413 21,100 State and political subdivisions 88,053 80,253 207,847 162,930 Corporate bonds 813 918 — — 228,661 216,536 234,260 184,030 Debt securities not due at a single maturity date: Asset-backed securities 131,868 130,990 — — Residential MBS 1,682,919 1,530,190 1,334,113 1,108,963 Commercial MBS 844,433 804,575 673,050 546,769 2,659,220 2,465,755 2,007,163 1,655,732 Total $ 3,861,424 $ 3,604,769 $ 2,432,941 $ 2,004,427 Expected maturities may differ from contractual maturities because issuers and borrowers may have the right to call or prepay obligations. 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 six months ended June 30, 2024 and 2023 . Three Months Ended Six Months Ended (in thousands) 2024 2023 2024 2023 Proceeds from sales $ — $ — $ 647 $ 380,661 Gross realized gains $ — $ — $ — $ 1,373 Gross realized losses — — — (3,017) Securities losses, net $ — $ — $ — $ (1,644) Income tax benefit attributable to sales $ — $ — $ — $ (374) Equity Investments The table below reflects the carrying value of certain equity investments, which are included in other assets on the consolidated balance sheet, as of the dates indicated. (in thousands) June 30, 2024 December 31, 2023 FHLB Stock $ 18,009 $ 18,104 FRB Stock 88,007 — Equity securities with readily determinable fair values 7,703 7,395

Loans and Leases and Allowance

Loans and Leases and Allowance for Credit Losses	6 Months Ended
	Jun. 30, 2024
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) June 30, 2024 December 31, 2023 Owner occupied CRE $ 3,296,793 $ 3,264,051 Income producing CRE 4,058,076 4,263,952 Commercial & industrial 2,299,009 2,411,045 Commercial construction 2,013,672 1,859,538 Equipment financing 1,581,336 1,541,120 Total commercial 13,248,886 13,339,706 Residential mortgage 3,265,818 3,198,928 Home equity 984,967 958,987 Residential construction 211,448 301,650 Manufactured housing 320,774 336,474 Consumer 183,053 181,117 Total loans excluding fair value hedge basis adjustment 18,214,946 18,316,862 Fair value hedge basis adjustment (3,753) 1,893 Total loans 18,211,193 18,318,755 Less ACL - loans (213,022) (208,071) Loans, net $ 17,998,171 $ 18,110,684 Accrued interest receivable related to loans totaled $66.8 million and $67.0 million on June 30, 2024 and December 31, 2023, respectively, and was reported in other assets on the consolidated balance sheets. Accrued interest receivable was excluded from the estimate of credit losses. At June 30, 2024 and December 31, 2023, the loan portfolio included certain loans specifically pledged to the Federal Reserve as well as loans covered by a blanket lien on qualifying loan types with the FHLB 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. The gains on these loan sales were included in noninterest income on the consolidated statements of income. Three Months Ended June 30, Six Months Ended June 30, (in thousands) 2024 2023 2024 2023 Guaranteed portion of SBA/USDA loans $ 18,311 $ 22,072 $ 27,699 $ 43,842 Equipment financing receivables 8,391 20,571 36,714 39,274 Total $ 26,702 $ 42,643 $ 64,413 $ 83,116 At June 30, 2024 and December 31, 2023, equipment financing receivables included leases of $79.6 million and $68.9 million, respectively. The components of the net investment in leases, which included both sales-type and direct financing, are presented below. (in thousands) June 30, 2024 December 31, 2023 Minimum future lease payments receivable $ 87,333 $ 75,198 Estimated residual value of leased equipment 4,916 4,445 Initial direct costs 1,664 1,402 Security deposits (448) (413) Unearned income (13,900) (11,711) Net investment in leases $ 79,565 $ 68,921 Minimum future lease payments expected to be received from equipment financing lease contracts as of June 30, 2024 were as follows: (in thousands) Year Remainder of 2024 $ 15,001 2025 27,016 2026 21,080 2027 15,187 2028 7,809 Thereafter 1,240 Total $ 87,333 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. 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 (in thousands) 30 - 59 Days 60 - 89 Days > 90 Days Nonaccrual Loans Total Loans As of June 30, 2024 Owner occupied CRE $ 3,286,682 $ 3,687 $ 1,604 $ — $ 4,820 $ 3,296,793 Income producing CRE 4,022,552 533 706 — 34,285 4,058,076 Commercial & industrial 2,274,054 6,911 709 — 17,335 2,299,009 Commercial construction 2,005,634 15 1,169 — 6,854 2,013,672 Equipment financing 1,566,103 2,738 4,154 — 8,341 1,581,336 Total commercial 13,155,025 13,884 8,342 — 71,635 13,248,886 Residential mortgage 3,238,637 6,386 2,322 — 18,473 3,265,818 Home equity 978,546 2,184 457 1 3,779 984,967 Residential construction 211,172 69 44 — 163 211,448 Manufactured housing 287,621 10,242 2,555 — 20,356 320,774 Consumer 182,144 747 90 — 72 183,053 Total loans $ 18,053,145 $ 33,512 $ 13,810 $ 1 $ 114,478 $ 18,214,946 As of December 31, 2023 Owner occupied CRE $ 3,258,015 $ 2,942 $ — $ — $ 3,094 $ 3,264,051 Income producing CRE 4,230,140 3,684 — — 30,128 4,263,952 Commercial & industrial 2,388,076 8,129 1,373 — 13,467 2,411,045 Commercial construction 1,857,660 — — — 1,878 1,859,538 Equipment financing 1,522,962 5,895 3,758 — 8,505 1,541,120 Total commercial 13,256,853 20,650 5,131 — 57,072 13,339,706 Residential mortgage 3,179,329 4,622 1,033 — 13,944 3,198,928 Home equity 950,841 4,106 268 — 3,772 958,987 Residential construction 299,230 1,255 221 — 944 301,650 Manufactured housing 304,794 12,622 3,197 — 15,861 336,474 Consumer 180,245 686 92 — 94 181,117 Total loans $ 18,171,292 $ 43,941 $ 9,942 $ — $ 91,687 $ 18,316,862 At June 30, 2024 and December 31, 2023, United had $62.2 million and $48.5 million, respectively, in loans for which repayment is expected to be provided substantially through the operation or sale of the collateral. Estimated credit losses for these loans are based on the net realizable value of the collateral relative to the amortized cost of the loan. The majority of these loans are income producing CRE and commercial and industrial loans. The following table presents nonaccrual loans held for investment by loan class for the periods indicated. Nonaccrual Loans June 30, 2024 December 31, 2023 (in thousands) With no allowance With an allowance Total With no allowance With an allowance Total Owner occupied CRE $ 3,667 $ 1,153 $ 4,820 $ 2,451 $ 643 $ 3,094 Income producing CRE 18,404 15,881 34,285 11,003 19,125 30,128 Commercial & industrial 10,153 7,182 17,335 11,940 1,527 13,467 Commercial construction 4,834 2,020 6,854 1,784 94 1,878 Equipment financing 38 8,303 8,341 57 8,448 8,505 Total commercial 37,096 34,539 71,635 27,235 29,837 57,072 Residential mortgage 1,630 16,843 18,473 1,836 12,108 13,944 Home equity 344 3,435 3,779 1,276 2,496 3,772 Residential construction 114 49 163 398 546 944 Manufactured housing — 20,356 20,356 — 15,861 15,861 Consumer 2 70 72 2 92 94 Total $ 39,186 $ 75,292 $ 114,478 $ 30,747 $ 60,940 $ 91,687 Risk Ratings United categorizes commercial loans 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. Consumer Purpose Loans. United applies a pass / fail grading system to all 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 gross charge-offs by vintage year, which is the year of origination or most recent renewal, as of the date indicated. See Note 1 for description of revisions to December 31, 2023 table. (in thousands) Term Loans by Origination Year Revolvers Revolvers converted to term loans Total As of June 30, 2024 2024 2023 2022 2021 2020 Prior Owner occupied CRE Pass $ 203,509 $ 571,318 $ 636,763 $ 600,078 $ 533,462 $ 508,040 $ 117,945 $ 17,714 $ 3,188,829 Special Mention 730 5,441 17,339 13,231 10,021 8,593 2,480 2,743 60,578 Substandard 2,411 287 12,902 6,524 6,554 17,418 1,290 — 47,386 Total owner occupied CRE $ 206,650 $ 577,046 $ 667,004 $ 619,833 $ 550,037 $ 534,051 $ 121,715 $ 20,457 $ 3,296,793 Current period gross charge-offs $ — $ — $ 221 $ — $ — $ 580 $ — $ — $ 801 Income producing CRE Pass $ 150,897 $ 416,384 $ 865,687 $ 821,078 $ 704,597 $ 753,181 $ 47,497 $ 12,390 $ 3,771,711 Special Mention 27,151 2,387 29,031 3,494 9,393 24,853 49 — 96,358 Substandard 12,974 43,723 10,464 1,092 22,761 98,993 — — 190,007 Total income producing CRE $ 191,022 $ 462,494 $ 905,182 $ 825,664 $ 736,751 $ 877,027 $ 47,546 $ 12,390 $ 4,058,076 Current period gross charge-offs $ — $ 3,129 $ — $ — $ — $ 229 $ — $ — $ 3,358 Commercial & industrial Pass $ 204,233 $ 472,293 $ 348,857 $ 245,826 $ 137,009 $ 219,709 $ 512,033 $ 7,975 $ 2,147,935 Special Mention 23,454 17,090 1,916 1,817 2,686 1,203 26,586 1,776 76,528 Substandard 903 15,419 6,103 14,844 5,283 8,033 22,896 1,065 74,546 Total commercial & industrial $ 228,590 $ 504,802 $ 356,876 $ 262,487 $ 144,978 $ 228,945 $ 561,515 $ 10,816 $ 2,299,009 Current period gross charge-offs $ — $ 1,972 $ 1,949 $ 1,203 $ 436 $ 1,044 $ — $ 1,466 $ 8,070 Commercial construction Pass $ 228,487 $ 518,348 $ 676,319 $ 360,532 $ 73,221 $ 77,321 $ 59,765 $ 2,174 $ 1,996,167 Special Mention 4,850 172 529 2 — 112 1,932 — 7,597 Substandard 1,903 3,721 2,629 395 1,021 239 — — 9,908 Total commercial construction $ 235,240 $ 522,241 $ 679,477 $ 360,929 $ 74,242 $ 77,672 $ 61,697 $ 2,174 $ 2,013,672 Current period gross charge-offs $ — $ — $ 53 $ — $ — $ — $ — $ — $ 53 Equipment financing Pass $ 367,197 $ 535,699 $ 408,606 $ 172,520 $ 56,633 $ 26,425 $ — $ — $ 1,567,080 Special Mention — — 764 2,210 837 616 — — 4,427 Substandard 172 1,752 4,036 2,644 438 787 — — 9,829 Total equipment financing $ 367,369 $ 537,451 $ 413,406 $ 177,374 $ 57,908 $ 27,828 $ — $ — $ 1,581,336 Current period gross charge-offs $ — $ 2,728 $ 6,739 $ 3,684 $ 611 $ 131 $ — $ — $ 13,893 Residential mortgage Pass $ 59,264 $ 320,686 $ 1,032,241 $ 1,028,897 $ 420,718 $ 377,977 $ 6 $ 3,091 $ 3,242,880 Substandard 1,969 2,583 4,748 1,900 1,771 9,697 — 270 22,938 Total residential mortgage $ 61,233 $ 323,269 $ 1,036,989 $ 1,030,797 $ 422,489 $ 387,674 $ 6 $ 3,361 $ 3,265,818 Current period gross charge-offs $ — $ — $ 13 $ 1 $ — $ 8 $ — $ — $ 22 Home equity Pass $ — $ — $ — $ — $ — $ — $ 952,634 $ 28,093 $ 980,727 Substandard — — — — — — — 4,240 4,240 Total home equity $ — $ — $ — $ — $ — $ — $ 952,634 $ 32,333 $ 984,967 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ 7 $ 7 Residential construction Pass $ 24,353 $ 98,195 $ 62,977 $ 15,051 $ 4,778 $ 5,748 $ — $ 91 $ 211,193 Substandard — — 144 — 6 105 — — 255 Total residential construction $ 24,353 $ 98,195 $ 63,121 $ 15,051 $ 4,784 $ 5,853 $ — $ 91 $ 211,448 Current period gross charge-offs $ — $ 141 $ — $ 48 $ — $ — $ — $ — $ 189 Manufactured housing Pass $ — $ 42,377 $ 65,869 $ 46,715 $ 40,841 $ 103,113 $ — $ — $ 298,915 Substandard 126 2,160 4,862 3,877 4,009 6,825 — — 21,859 Total consumer $ 126 $ 44,537 $ 70,731 $ 50,592 $ 44,850 $ 109,938 $ — $ — $ 320,774 Current period gross charge-offs $ — $ 491 $ 1,099 $ 377 $ 406 $ 467 $ — $ — $ 2,840 Consumer Pass $ 53,462 $ 59,035 $ 28,837 $ 11,233 $ 8,692 $ 971 $ 20,214 $ 447 $ 182,891 Substandard — 22 58 55 20 7 — — 162 Total consumer $ 53,462 $ 59,057 $ 28,895 $ 11,288 $ 8,712 $ 978 $ 20,214 $ 447 $ 183,053 Current period gross charge-offs $ 1,403 $ 166 $ 96 $ 25 $ 9 $ — $ — $ 78 $ 1,777 (in thousands) Term Loans Revolvers Revolvers converted to term loans Total December 31, 2023 (revised) 2023 2022 2021 2020 2019 Prior Owner occupied CRE Pass $ 592,932 $ 654,845 $ 618,811 $ 577,916 $ 224,684 $ 364,579 $ 117,212 $ 18,671 $ 3,169,650 Special Mention 1,308 7,768 4,266 4,919 9,221 6,155 100 254 33,991 Substandard 3,266 8,037 15,975 11,544 8,437 9,042 1,421 2,688 60,410 Total owner occupied CRE $ 597,506 $ 670,650 $ 639,052 $ 594,379 $ 242,342 $ 379,776 $ 118,733 $ 21,613 $ 3,264,051 Current period gross charge-offs $ — $ 48 $ — $ 819 $ — $ 207 $ — $ — $ 1,074 Income producing CRE Pass $ 464,979 $ 904,015 $ 863,308 $ 795,143 $ 362,139 $ 526,968 $ 50,659 $ 13,247 $ 3,980,458 Special Mention 7,626 31,993 18,989 26,217 19,904 27,893 — — 132,622 Substandard 31,530 10,041 6,343 5,436 43,450 54,018 — 54 150,872 Total income producing CRE $ 504,135 $ 946,049 $ 888,640 $ 826,796 $ 425,493 $ 608,879 $ 50,659 $ 13,301 $ 4,263,952 Current period gross charge-offs $ — $ 2,534 $ — $ — $ — $ 5,324 $ — $ — $ 7,858 Commercial & industrial Pass $ 573,391 $ 431,962 $ 280,372 $ 136,975 $ 86,300 $ 169,570 $ 581,871 $ 13,332 $ 2,273,773 Special Mention 2,908 4,449 1,642 5,430 5,473 718 14,861 274 35,755 Substandard 5,272 5,022 23,562 11,432 5,454 3,178 46,282 1,315 101,517 Total commercial & industrial $ 581,571 $ 441,433 $ 305,576 $ 153,837 $ 97,227 $ 173,466 $ 643,014 $ 14,921 $ 2,411,045 Current period gross charge-offs $ 5,430 $ 1,462 $ 13,271 $ 2,477 $ 787 $ 286 $ — $ 1,825 $ 25,538 Commercial construction Pass $ 525,988 $ 647,516 $ 396,958 $ 111,045 $ 66,635 $ 28,902 $ 62,370 $ 966 $ 1,840,380 Special Mention — — 6 28 — 124 — — 158 Substandard 1,109 2,408 10,018 5,188 195 82 — — 19,000 Total commercial construction $ 527,097 $ 649,924 $ 406,982 $ 116,261 $ 66,830 $ 29,108 $ 62,370 $ 966 $ 1,859,538 Current period gross charge-offs $ — $ 60 $ — $ — $ — $ — $ — $ — $ 60 Equipment financing Pass $ 673,201 $ 496,336 $ 233,422 $ 83,507 $ 41,053 $ 3,722 $ — $ — $ 1,531,241 Substandard 1,471 4,141 2,487 960 817 3 — — 9,879 Total equipment financing $ 674,672 $ 500,477 $ 235,909 $ 84,467 $ 41,870 $ 3,725 $ — $ — $ 1,541,120 Current period gross charge-offs $ 474 $ 10,902 $ 9,764 $ 1,960 $ 786 $ 320 $ — $ — $ 24,206 Residential mortgage Pass $ 319,604 $ 975,957 $ 1,032,182 $ 440,287 $ 130,378 $ 280,357 $ 6 $ 3,415 $ 3,182,186 Substandard 1,480 2,580 2,180 889 1,991 7,374 — 248 16,742 Total residential mortgage $ 321,084 $ 978,537 $ 1,034,362 $ 441,176 $ 132,369 $ 287,731 $ 6 $ 3,663 $ 3,198,928 Current period gross charge-offs $ — $ 51 $ — $ — $ — $ 38 $ — $ — $ 89 Home equity Pass $ — $ — $ — $ — $ — $ — $ 926,596 $ 28,412 $ 955,008 Substandard — — — — — — — 3,979 3,979 Total home equity $ — $ — $ — $ — $ — $ — $ 926,596 $ 32,391 $ 958,987 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ 167 $ 167 Residential construction Pass $ 92,490 $ 153,868 $ 42,237 $ 5,201 $ 1,046 $ 5,655 $ — $ 93 $ 300,590 Substandard 517 243 149 6 — 145 — — 1,060 Total residential construction $ 93,007 $ 154,111 $ 42,386 $ 5,207 $ 1,046 $ 5,800 $ — $ 93 $ 301,650 Current period gross charge-offs $ — $ 1,111 $ — $ — $ — $ — $ — $ — $ 1,111 Manufactured housing Pass $ 45,065 $ 69,424 $ 48,814 $ 43,735 $ 31,321 $ 80,284 $ — $ — $ 318,643 Substandard 1,078 4,647 3,570 3,020 1,282 4,234 — — 17,831 Total consumer $ 46,143 $ 74,071 $ 52,384 $ 46,755 $ 32,603 $ 84,518 $ — $ — $ 336,474 Current period gross charge-offs $ 38 $ 1,503 $ 985 $ 419 $ 279 $ 690 $ — $ — $ 3,914 Consumer Pass $ 86,049 $ 39,461 $ 16,369 $ 10,350 $ 1,214 $ 668 $ 26,239 $ 534 $ 180,884 Substandard 50 55 53 25 5 13 32 — 233 Total consumer $ 86,099 $ 39,516 $ 16,422 $ 10,375 $ 1,219 $ 681 $ 26,271 $ 534 $ 181,117 Current period gross charge-offs $ 3,245 $ 241 $ 233 $ 38 $ 15 $ 1 $ 5 $ 204 $ 3,982 Modifications to Borrowers Experiencing Financial Difficulty The period-end amortized cost and additional information regarding loans modified under the terms of a FDM during the six months ended June 30, 2024 and 2023 are presented in the following tables . Six Months Ended June 30, 2024 New FDMs Defaults within 12 months of modification (dollars in thousands) Amortized Cost % of Total Class of Receivable Owner occupied CRE $ 2,697 0.1 % $ — Income producing CRE 28,553 0.7 — Commercial & industrial 27,603 1.2 — Equipment financing 4,290 0.3 284 Residential mortgage 1,994 0.1 — Manufactured housing 126 — — Total $ 65,263 0.4 $ 284 Six Months Ended June 30, 2024 New FDMs (dollars in thousands) Amortized Cost Weighted Average Modification Extension Owner occupied CRE $ 198 6 months Commercial & industrial 23,284 11 months Residential mortgage 25 1 year Total 23,507 Payment Delay Owner occupied CRE (1) 896 4 months Income producing CRE (2) 28,553 1 year Commercial & industrial (1) 155 6 months Total 29,604 Rate Reduction Commercial & industrial 891 50 basis points Payment Delay and Extension Commercial & industrial 573 Payment delay: 4 months; Extension: 3 years Equipment financing 4,290 Extension and payment delay: 8 months Total 4,863 Rate Reduction and Extension Residential mortgage 1,969 Rate reduction: 471 basis points; Extension: 2.6 years Manufactured housing 126 Rate reduction: 624 basis points; Extension: 6 years Total 2,095 Rate Reduction and Payment Delay Owner occupied CRE 1,439 Rate reduction: 75 basis points; Payment delay: 6 months Commercial & industrial 115 Rate reduction: 150 basis points; Payment delay: 6 months 1,554 Rate Reduction, Payment Delay and Extension Owner occupied CRE 164 Rate reduction: 75 basis points; Payment delay: 6 months; Extension: 3 years Commercial & industrial 2,585 Rate reduction: 267 basis points; Payment delay: 6 months; Extension: 4.5 years Total 2,749 Total $ 65,263 (1) Payment delay FDMs in bankruptcy are excluded from the weighted average payment delay calculation. (2) Payment delays in this category reflect principal payment delays, while interest payments continue in accordance with loan terms. Six Months Ended June 30, 2023 New FDMs Defaults within 12 months of modification Amortized Cost by Type of Modification (dollars in thousands) Extension Payment Delay Rate Reduction & Extension Total % of Total Class of Receivable Income producing CRE $ 38,138 $ — $ 21,202 $ 59,340 1.6 % $ — Commercial & industrial 2,718 29,517 — 32,235 1.3 — Equipment financing 8,069 — — 8,069 0.5 — Residential mortgage 57 — 630 687 — — Manufactured housing — — 259 259 0.1 — Total $ 48,982 $ 29,517 $ 22,091 $ 100,590 0.6 $ — The following paragraphs further describe the terms of FDMs executed during the six months ended June 30, 2023: Extensions for equipment financing FDMs typically consist of one or more three-month extensions beyond the original maturity date. For the remainder of extension FDMs occurring during the first six months of 2023, the weighted average extension granted was approximately eight months. Commercial and industrial payment delay FDMs include $22.7 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. During the six months ended June 30, 2023, FDMs categorized as rate reduction and extensions in the income producing CRE category resulted in a decrease in weighted average interest rate of 57 basis points and extended the weighted average maturity by three years. Residential mortgage and manufactured housing FDMs resulted in a decrease in the weighted average interest rate on these FDMs of 576 basis points and extended the weighted average maturity by 15 years. 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 June 30, 2024 and December 31, 2023, 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. At June 30, 2024, United elected to adjust the model assumption regarding the look-back period used to determine the starting value for the expected default rate, thus lessening the need for model overlays, which in combination did not have a material impact on the ACL. In the case of commercial & industrial loans, at June 30, 2024, the expected default rate was adjusted by a model overlay based on expectations of future performance. At June 30, 2024, the third party vendor’s baseline economic forecast was similar to the forecast at December 31, 2023. At June 30, 2024, United applied qualitative adjustments to the model output for the residential mortgage, owner occupied CRE and income producing CRE portfolios. For periods beyond the reasonable and supportable forecast period of one year, United reverted to historical credit loss information on a straight line basis over two years. For most collateral types, United reverted to through-the-cycle average default rates using peer data from 2000 to 2017. For loans secured by residential mortgages and manufactured housing, the peer data was adjusted for changes in lending practices designed to mitigate the magnitude of losses observed during the 2008 mortgage crisis. The following table presents the balance and activity in the ACL by portfolio segment for the periods indicated (in thousands) . Three Months Ended June 30, 2024 2023 Beginning Balance Charge-Offs Recoveries (Release) Provision Ending Balance Beginning Balance Charge-Offs Recoveries (Release) Provision Ending Balance Owner occupied CRE $ 19,658 $ (373) $ 210 $ 2,292 $ 21,787 $ 20,831 $ — $ 205 $ 752 $ 21,788 Income producing CRE 46,798 (3,129) 161 (936) 42,894 33,607 (2,033) 849 6,352 38,775 Commercial & industrial 31,858 (3,284) 2,003 1,524 32,101 28,312 (3,753) 1,007 4,290 29,856 Commercial construction 20,023 — 48 (454) 19,617 22,073 — 105 98 22,276 Equipment financing 39,982 (6,604) 1,102 10,635 45,115 26,195 (3,752) 1,215 4,946 28,604 Residential mortgage 28,636 (6) 113 (131) 28,612 24,082 (26) 69 1,306 25,431 Home equity 9,715 — 27 (356) 9,386 10,337 (24) 83 213 10,609 Residential construction 1,529 (56) 30 (119) 1,384 2,043 (637) 14 2,026 3,446 Manufactured housing 12,044 (1,233) 83 628 11,522 8,424 (620) — 1,400 9,204 Consumer 691 (916) 210 619 604 630 (1,327) 226 1,187 716 ACL - loans 210,934 (15,601) 3,987 13,702 213,022 176,534 (12,172) 3,773 22,570 190,705 ACL - unfunded commitments 13,185 — — (1,467) 11,718 21,389 — — 183 21,572 Total ACL $ 224,119 $ (15,601) $ 3,987 $ 12,235 $ 224,740 $ 197,923 $ (12,172) $ 3,773 $ 22,753 $ 212,277 Six Months Ended June 30, 2024 2023 Beginning Balance Charge-Offs Recoveries (Release) Provision Ending Balance Beginning Initial ACL - PCD loans (1) Charge- Recoveries (Release) Ending Owner occupied CRE $ 23,542 $ (801) $ 436 $ (1,390) $ 21,787 $ 19,834 $ 181 $ (207) $ 322 $ 1,658 $ 21,788 Income producing CRE 47,755 (3,358) 185 (1,688) 42,894 32,082 307 (4,814) 1,324 9,876 38,775 Commercial & industrial 30,890 (8,070) 2,883 6,398 32,101 23,504 1,358 (4,651) 1,680 7,965 29,856 Commercial construction 21,741 (53) 81 (2,152) 19,617 20,120 39 — 142 1,975 22,276 Equipment financing 33,383 (13,893) 2,029 23,596 45,115 23,395 — (7,779) 1,867 11,121 28,604 Residential mortgage 28,219 (22) 145 270 28,612 20,809 157 (45) 175 4,335 25,431 Home equity 9,647 (7) 88 (342) 9,386 8,707 534 (145) 171 1,342 10,609 Residential construction 1,833 (189) 44 (304) 1,384 2,049 124 (637) 29 1,881 3,446 Manufactured housing 10,339 (2,840) 121 3,902 11,522 8,098 — (1,274) 26 2,354 9,204 Consumer 722 (1,777) 476 1,183 604 759 4 (2,144) 477 1,620 716 ACL - loans 208,071 (31,010) 6,488 29,473 213,022 159,357 2,704 (21,696) 6,213 44,127 190,705 ACL - unfunded commitments 16,057 — — (4,339) 11,718 21,163 — — — 409 21,572 Total ACL $ 224,128 $ (31,010) $ 6,488 $ 25,134 $ 224,740 $ 180,520 $ 2,704 $ (21,696) $ 6,213 $ 44,536 $ 212,277

Derivatives and Hedging Activit

Derivatives and Hedging Activities	6 Months Ended
	Jun. 30, 2024
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: June 30, 2024 December 31, 2023 Notional Amount Fair Value Notional Amount Fair Value (in thousands) Derivative Asset Derivative Liability Derivative Asset Derivative Liability Derivatives designated as hedging instruments: Cash flow hedge of subordinated debt $ 100,000 $ 13,325 $ — $ 100,000 $ 13,168 $ — Cash flow hedges of trust preferred securities 20,000 — — 20,000 — — Fair value hedges of AFS debt securities 790,628 — — 655,511 — — Fair value hedges of loans 1,650,000 — — 150,000 — — Total 2,560,628 13,325 — 925,511 13,168 — Derivatives not designated as hedging instruments: Customer derivative positions 1,135,793 1,164 74,493 1,177,275 3,461 68,384 Dealer offsets to customer derivative positions 1,135,793 24,799 1,168 1,197,364 23,061 4,597 Risk participations 91,747 1 7 90,597 1 8 Mortgage banking - loan commitments 89,064 1,594 — 48,452 1,089 — Mortgage banking - forward sales commitment 103,295 218 115 81,671 20 658 Bifurcated embedded derivatives 51,935 10,742 — 51,935 9,552 — Dealer offsets to bifurcated embedded derivatives 51,935 — 12,251 51,935 — 11,164 Total 2,659,562 38,518 88,034 2,699,229 37,184 84,811 Total derivatives $ 5,220,190 $ 51,843 $ 88,034 $ 3,624,740 $ 50,352 $ 84,811 Total gross derivative instruments $ 51,843 $ 88,034 $ 50,352 $ 84,811 Less: Amounts subject to master netting agreements (1,340) (1,340) (4,683) (4,683) Less: Cash collateral received/pledged (38,671) (12,655) (33,921) (11,330) Net amount $ 11,832 $ 74,039 $ 11,748 $ 68,798 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 As of June 30, 2024 and December 31, 2023, 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. 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 $5.05 million of gains from AOCI into earnings related to these agreements. Fair Value Hedges of Interest Rate Risk United uses interest rate derivatives to manage its exposure to changes in fair value attributable to changes in interest rates on certain of its fixed-rate financial instruments. 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 first half of 2024, United entered into additional fair value hedges on stated amounts of closed portfolios of loans and investment 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. Affected Income Statement Line Item Increase/(Decrease) to Earnings Three Months Ended June 30, Six Months Ended June 30, (in thousands) 2024 2023 2024 2023 Fair value hedges: AFS securities: Amounts related to interest settlements on derivatives $ 3,120 $ 2,310 $ 5,976 2,310 Gain recognized on derivative 390 13,889 9,852 13,889 Gain (loss) recognized on hedged items 310 (15,289) (9,488) (15,289) Net income recognized on AFS securities fair value hedges Interest revenue- investment securities $ 3,820 $ 910 $ 6,340 $ 910 Loans: Amounts related to interest settlements on derivatives $ 3,665 $ — $ 4,963 $ — Gain recognized on derivatives 3,467 — 5,625 — Loss recognized on hedged items (3,351) — (5,646) — Net income recognized on loan fair value hedges Interest revenue - loans, including fees $ 3,781 $ — $ 4,942 $ — Cash flow hedges: Long-term debt (1) Interest expense- long term debt $ 1,438 $ 1,234 $ 2,878 $ 2,056 (1) Includes premium amortization expense excluded from the assessment of hedge effectiveness of $235,000 and $229,000 for the six months ended June 30, 2024 and 2023, respectively. The table below presents the carrying amount of hedged items and cumulative fair value hedging basis adjustments for the periods presented. All fair value hedges of AFS debt securities and loans at June 30, 2024 and December 31, 2023 were designated under the portfolio layer method. (in thousands) June 30, 2024 December 31, 2023 Balance Sheet Location Carrying Amount Hedge Accounting Basis Adjustment Hedged Portfolio Layer Carrying Amount Hedge Accounting Basis Adjustment Hedged Portfolio Layer Debt securities AFS (1) $ 957,162 $ (14,161) $ 790,628 $ 789,908 $ (4,673) $ 655,511 Loans and leases held for investment 5,240,360 (3,753) 1,650,000 1,017,379 1,893 150,000 (1) Carrying amount for AFS debt securities reflects amortized cost, which excludes the 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. 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. Location of Gain (Loss) Recognized in Income on Derivatives Amount of Gain (Loss) Recognized in Income on Derivatives Three Months Ended Six Months Ended June 30, (in thousands) 2024 2023 2024 2023 Customer derivatives and dealer offsets Other noninterest income $ 451 $ 545 $ 206 $ 912 Bifurcated embedded derivatives and dealer offsets Other noninterest income 1 (474) (191) (1,007) Mortgage banking derivatives Mortgage loan revenue 451 174 1,352 1,401 Risk participations Other noninterest income (3) 154 (1) 142 $ 900 $ 399 $ 1,366 $ 1,448 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	6 Months Ended
	Jun. 30, 2024
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) June 30, 2024 December 31, 2023 Core deposit intangible $ 100,694 $ 104,174 Less: accumulated amortization (44,300) (40,495) Net core deposit intangible 56,394 63,679 Customer relationship intangible 8,400 8,400 Less: accumulated amortization (2,302) (1,906) Net customer relationship intangible 6,098 6,494 Total intangibles subject to amortization, net (1) 62,492 70,173 Goodwill 916,153 919,914 Total goodwill and other intangible assets, net $ 978,645 $ 990,087 (1) As intangible assets become fully amortized, they are excluded from balances presented. At June 30, 2024, FinTrust met the criteria to be classified as held for sale. As a result, the carrying amount of FinTrust’s net assets held for sale was compared to fair value, less cost to sell, which resulted in a $5.10 million write-down to the goodwill associated with FinTrust. The write-down is reflected in other noninterest expense in the Consolidated Statements of Income. As of June 30, 2024, FinTrust had total assets of $16.0 million, including $9.06 million of goodwill and a $6.02 million customer list intangible, and $690,000 of liabilities. In second quarter 2024, United entered into an agreement to sell FinTrust, which is expected to close in the third quarter of 2024. The following table summarizes the changes in the carrying amounts of goodwill for the periods indicated. Three Months Ended Six Months Ended (in thousands) 2024 2023 2024 2023 Balance, beginning of period (1) $ 921,253 $ 896,718 $ 919,914 $ 751,174 Acquisitions — — — 145,544 Measurement period adjustment - First Miami (2) — — 1,339 — FinTrust goodwill write-down (5,100) — (5,100) — Balance, end of period (1) $ 916,153 $ 896,718 $ 916,153 $ 896,718 (1) Goodwill balances are shown net of accumulated impairment losses of $306 million incurred prior to 2023. (2) See Note 4 for further details. The estimated aggregate amortization expense for future periods for finite-lived intangibles, excluding the customer relationship intangible associated with FinTrust, is as follows: (in thousands) Year Remainder of 2024 $ 6,915 2025 12,272 2026 10,394 2027 8,516 2028 6,734 Thereafter 11,637 Total $ 56,468

Assets and Liabilities Measured

Assets and Liabilities Measured at Fair Value	6 Months Ended
	Jun. 30, 2024
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 mirroring those promised 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. 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. In other cases, derivatives are categorized as Level 3 when there is not an observable forward-rate curve available for the duration of the contract. 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) June 30, 2024 Level 1 Level 2 Level 3 Total Assets: AFS debt securities: U.S. Treasuries $ 472,664 $ — $ — $ 472,664 U.S. Government agencies & GSEs — 312,407 — 312,407 State and political subdivisions — 159,535 — 159,535 Residential MBS — 1,530,190 — 1,530,190 Commercial MBS — 804,575 — 804,575 Corporate bonds — 192,211 2,197 194,408 Asset-backed securities — 130,990 — 130,990 Equity securities with readily determinable fair values 5,915 1,788 — 7,703 Mortgage loans held for sale — 49,315 — 49,315 Deferred compensation plan assets 13,616 — — 13,616 Servicing rights for SBA/USDA loans — — 5,247 5,247 Residential mortgage servicing rights — — 38,014 38,014 Derivative financial instruments — 38,910 12,933 51,843 Total assets $ 492,195 $ 3,219,921 $ 58,391 $ 3,770,507 Liabilities: Deferred compensation plan liability $ 13,611 $ — $ — $ 13,611 Derivative financial instruments — 74,721 13,313 88,034 Total liabilities $ 13,611 $ 74,721 $ 13,313 $ 101,645 (in thousands) December 31, 2023 Level 1 Level 2 Level 3 Total Assets: AFS debt securities: U.S. Treasuries $ 387,349 $ — $ — $ 387,349 U.S. Government agencies & GSEs — 267,500 — 267,500 State and political subdivisions — 164,049 — 164,049 Residential MBS — 1,507,598 — 1,507,598 Commercial MBS — 641,654 — 641,654 Corporate bonds — 199,017 2,205 201,222 Asset-backed securities — 161,712 — 161,712 Equity securities with readily determinable fair values 5,767 1,628 — 7,395 Mortgage loans held for sale — 33,008 — 33,008 Deferred compensation plan assets 12,791 — — 12,791 Servicing rights for SBA/USDA loans — — 5,444 5,444 Residential mortgage servicing rights — — 35,897 35,897 Derivative financial instruments — 39,710 10,642 50,352 Total assets $ 405,907 $ 3,015,876 $ 54,188 $ 3,475,971 Liabilities: Deferred compensation plan liability $ 12,838 $ — $ — $ 12,838 Derivative financial instruments — 73,639 11,172 84,811 Total liabilities $ 12,838 $ 73,639 $ 11,172 $ 97,649 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. 2024 2023 (in thousands) 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 June 30, Beginning balance $ 12,811 $ 13,185 $ 5,507 $ 37,358 $ 2,160 $ 11,348 $ 11,195 $ 6,289 $ 36,081 $ 2,227 Additions 1,362 — 345 1,060 — — 167 464 848 — Sales and settlements (1,394) — (313) (1,037) — — — (231) (496) — Fair value adjustments included in OCI — — — — 37 — — — — (44) Fair value adjustments included in earnings 154 128 (292) 633 — 524 1,202 (374) 761 — Ending balance $ 12,933 $ 13,313 $ 5,247 $ 38,014 $ 2,197 $ 11,872 $ 12,564 $ 6,148 $ 37,194 $ 2,183 Six Months Ended June 30, Beginning balance $ 10,642 $ 11,172 $ 5,444 $ 35,897 $ 2,205 $ 11,513 $ 12,840 $ 5,188 $ 36,559 $ 2,212 Business combinations — — — — — — — 95 — — Additions 2,828 — 515 1,778 — — 170 924 1,480 — Transfers from Level 2 484 925 — — — — — — — — Sales and settlements (2,317) — (554) (1,797) — (11) — (451) (948) — Fair value adjustments included in OCI — — — — (8) — — — — (29) Fair value adjustments included in earnings 1,296 1,216 (158) 2,136 — 370 (446) 392 103 — Ending balance $ 12,933 $ 13,313 $ 5,247 $ 38,014 $ 2,197 $ 11,872 $ 12,564 $ 6,148 $ 37,194 $ 2,183 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 June 30, 2024 December 31, 2023 Range Weighted Average Range Weighted Average SBA/USDA loan servicing rights Discounted cash flow Discount rate 5.0% - 24.5% 12.1 % 8.4% - 25.0% 16.2 % Prepayment rate 1.9 - 39.0 19.8 3.5 - 37.4 18.5 Residential mortgage servicing rights Discounted cash flow Discount rate 10.0 - 12.5 10.0 10.0 - 15.0 10.0 Prepayment rate 6.5 - 61.3 7.8 6.5 - 29.9 8.0 Corporate bonds Discounted cash flow Discount rate 7.1 - 7.3 7.2 6.1 - 6.7 6.5 Derivative assets - mortgage Internal model Pull through rate 60.0 - 100 90.6 60.0 - 100 90.5 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. 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. Mortgage Loans Held for Sale (in thousands) June 30, 2024 December 31, 2023 Outstanding principal balance $ 47,922 $ 31,788 Fair value 49,315 33,008 Gain (Loss) from Change in Fair Value on Mortgage Loans Held for Sale Location Three Months Ended Six Months Ended (in thousands) 2024 2023 2024 2023 Mortgage loan gains and other related fees $ 204 $ 33 $ 172 $ 264 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 June 30, 2024 and December 31, 2023, 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 June 30, 2024 Loans held for investment $ — $ — $ 26,133 $ 26,133 FinTrust net assets held for sale — — 15,322 15,322 December 31, 2023 Loans held for investment $ — $ — $ 36,984 $ 36,984 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 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. At June 30, 2024, the net assets of FinTrust were classified as held for sale. As a result, the carrying amount of those net assets was compared to fair value, less cost to sell, which resulted in a $5.10 million write-down to the goodwill associated with FinTrust. The fair value, less cost to sell was based on a probability-weighted discounted cash flow valuation of the consideration included in a sales contract executed in June 2024. The valuation of the disposal group is categorized as Level 3 as significant unobservable inputs, most notably the probability assessment of realizing revenue-related contingent consideration, were used in the determination of fair value. 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 values associated with these instruments are 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. Fair Value Level (in thousands) Carrying Amount Level 1 Level 2 Level 3 Total June 30, 2024 Assets: HTM debt securities $ 2,432,941 $ 17,819 $ 1,986,608 $ — $ 2,004,427 Loans and leases, net 17,998,171 — — 17,499,616 17,499,616 Liabilities: Deposits 22,982,122 — 22,968,706 — 22,968,706 Long-term debt 324,887 — — 310,645 310,645 December 31, 2023 Assets: HTM debt securities $ 2,490,848 $ 17,950 $ 2,077,670 $ — $ 2,095,620 Loans and leases, net 18,110,684 — — 17,585,073 17,585,073 Liabilities: Deposits 23,310,611 — 23,305,223 — 23,305,223 Long-term debt 324,823 — — 310,060 310,060

Stock-Based Compensation

Stock-Based Compensation	6 Months Ended
	Jun. 30, 2024
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 exercise 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 June 30, 2024, the plan covered 2.08 million shares that could be issued pursuant to additional awards granted under the plan. The table below presents restricted stock unit and option activity for the six months ended June 30, 2024. Restricted Stock Unit Awards Options Shares Weighted- Aggregate Shares Weighted- Weighted- Aggregate Outstanding at December 31, 2023 929,367 $ 28.85 406,737 $ 21.19 Granted 232,747 27.94 — — Released / Exercised (80,246) 27.77 $ 2,189 (57,194) 20.40 $ 379 Cancelled (69,658) 27.81 (2,353) 26.05 Outstanding at June 30, 2024 1,012,210 28.83 25,771 347,190 21.28 4.8 1,482 Vested / Exercisable at June 30, 2024 — — 347,190 21.28 4.8 1,482 No compensation expense relating to options was included in earnings for the six months ended June 30, 2024 and 2023. 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 six months ended June 30, 2024 and 2023, expense of $4.63 million and $4.46 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 six months ended June 30, 2024 and 2023, $360,000 and $331,000, respectively, was recognized in other expense for restricted stock unit awards granted to members of United’s Board.

Reclassifications Out of AOCI

Reclassifications Out of AOCI	6 Months Ended
	Jun. 30, 2024
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. Amounts shown in parentheses reduce earnings. (in thousands) Details about AOCI Components Three Months Ended Six Months Ended Affected Line Item in the Statement Where Net Income is Presented 2024 2023 2024 2023 Realized losses on AFS securities: $ — $ — $ — $ (1,644) Securities losses, net — — — 374 Income tax expense $ — $ — $ — $ (1,270) Net of tax Amortization of unrealized losses on HTM securities transferred from AFS: $ (2,474) $ (2,518) $ (4,537) $ (5,486) Investment securities interest revenue 702 604 1,195 1,324 Income tax expense $ (1,772) $ (1,914) $ (3,342) $ (4,162) Net of tax Reclassifications related to derivative instruments accounted for as cash flow hedges: Interest rate contracts $ 1,438 $ 1,234 $ 2,878 $ 2,056 Long-term debt interest expense (363) (315) (731) (525) Income tax expense $ 1,075 $ 919 $ 2,147 $ 1,531 Net of tax Amortization of defined benefit pension plan net periodic pension cost components: Prior service cost $ (46) $ (61) $ (90) $ (122) Salaries and employee benefits expense 12 15 23 31 Income tax expense $ (34) $ (46) $ (67) $ (91) Net of tax Total reclassifications for the period $ (731) $ (1,041) $ (1,262) $ (3,992) Net of tax

Earnings Per Share

Earnings Per Share	6 Months Ended
	Jun. 30, 2024
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. Three Months Ended Six Months Ended (in thousands, except per share data) 2024 2023 2024 2023 Net income $ 66,615 $ 63,288 $ 129,246 $ 125,588 Dividends on preferred stock (1,573) (1,719) (3,146) (3,438) Earnings allocated to participating securities (368) (342) (713) (680) Net income available to common shareholders $ 64,674 $ 61,227 $ 125,387 $ 121,470 Weighted average shares outstanding: Basic 119,726 115,774 119,694 115,614 Effect of dilutive securities: Stock options 59 95 69 166 Restricted stock units — — — 15 Diluted 119,785 115,869 119,763 115,795 Net income per common share: Basic $ 0.54 $ 0.53 $ 1.05 $ 1.05 Diluted $ 0.54 $ 0.53 $ 1.05 $ 1.05

Regulatory Matters

Regulatory Matters	6 Months Ended
	Jun. 30, 2024
Regulatory Capital Requirements Under Banking Regulations [Abstract]
Regulatory Matters	Regulatory Matters As of June 30, 2024, 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 June 30, 2024, and there have been no conditions or events since quarter-end that would change the status of well-capitalized. Regulatory capital ratios at June 30, 2024 and December 31, 2023, 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: United Community Banks, Inc. United Community Bank (dollars in thousands) Minimum (1) Well- June 30, December 31, June 30, December 31, Risk-based ratios: CET1 capital 4.5 % 6.5 % 12.79 % 12.16 % 12.90 % 12.22 % Tier 1 capital 6.0 8.0 13.24 12.60 12.90 12.22 Total capital 8.0 10.0 15.08 14.49 13.95 13.23 Leverage ratio 4.0 5.0 9.93 9.47 9.66 9.17 CET1 capital $ 2,518,875 $ 2,432,518 $ 2,530,580 $ 2,435,962 Tier 1 capital 2,607,141 2,520,784 2,530,580 2,435,962 Total capital 2,969,633 2,898,474 2,737,626 2,638,009 Risk-weighted assets 19,697,147 20,007,236 19,619,786 19,933,429 Average total assets for the leverage ratio 26,264,213 26,621,561 26,209,793 26,563,946 (1) As of June 30, 2024 and December 31, 2023 the minimum ratios as presented were subject to an additional capital conservation buffer of 2.50%

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
	Jun. 30, 2024
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) June 30, 2024 December 31, 2023 Financial instruments whose contract amounts represent credit risk: Commitments to extend credit $ 3,963,860 $ 4,305,483 Letters of credit 60,743 61,808 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 June 30, 2024 December 31, 2023 Investments in LIHTC: Carrying amount Other assets $ 55,992 $ 48,867 Amount of future funding commitments included in carrying amount Other liabilities 21,270 14,176 Lending exposure Loans and leases held for investment 11,542 803 Renewable energy investments: Carrying amount Other assets 4,333 18,631 Amount of future funding commitments (1) N/A 14,406 14,406 Fintech funds and certain other equity method investments: Carrying amount Other assets 40,157 33,720 Amount of future funding commitments not included in carrying amount N/A 29,295 25,008 (1) Starting in 2024, United no longer records future funding commitments related to its renewable energy investments on the balance sheet. Prior to 2024, these commitments were included in other liabilities. The following table presents a summary of tax credits and amortization expense associated with the United’s tax credit investment activity. Activity related to renewable energy investments was not material to the financials for the period presented. (dollars in thousands) Income Statement Location Three Months Ended Six Months Ended Investments in LIHTC: Income tax credits and other income tax benefits Income tax expense $ (1,997) $ (3,993) Amortization expense Income tax expense 1,736 3,567

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Pay vs Performance Disclosure
Net of tax	$ 66,615	$ 63,288	$ 129,246	$ 125,588

Insider Trading Arrangements

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

Basis of Presentation (Policies

Basis of Presentation (Policies)	6 Months Ended
	Jun. 30, 2024
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 2023 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 2023 10-K. In May 2024, United officially moved its Holding Company headquarters from Blairsville, Georgia to Greenville, South Carolina. Effective in June 2024, the Bank changed its primary federal regulator from the FDIC to the Federal Reserve. Effective August 6, 2024, United transferred the listing of its securities from NASDAQ to the New York Stock Exchange. The common shares are now listed under the trading symbol UCB and the preferred Series I depositary shares are now listed under the trading symbol UCB PRI.
Revision of Previously Issued Financial Statements	Revision of Previously Issued Financial Statements In this Form 10-Q, management corrected an immaterial error related to the loan vintage disclosure reported in previously issued financial statements for the period presented in the 2023 10-K. The error relates to the incorrect determination of the vintage year for a population of term loans and gross charge-offs. The correction of this error resulted in the reclassification of certain term loans and gross charge-offs to older vintage categories than originally reported. The correction of this error did not result in any reclassification between risk categories presented. The revision did not change the total amount of loans or gross charge-offs reported and did not affect the Company's net income, cash flows or equity. We evaluated the aggregate effects of this error to our previously issued financial statements in accordance with SEC Staff Accounting Bulletins No. 99 and No. 108 and, based upon quantitative and qualitative factors, determined that the error was not material to the previously issued financial statements and disclosures included in our 2023 10-K.
Recently Adopted Accounting 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 PAM and related disclosures to tax equity investments other than LIHTC, providing certain conditions are met. The election to apply PAM must be made on a tax-credit-program by tax-credit-program basis rather than at the reporting entity level or to individual investments. United adopted this update using a modified retrospective transition method as of January 1, 2024, with no impact to shareholders’ equity.

Supplemental Cash Flow Inform_2

Supplemental Cash Flow Information (Tables)	6 Months Ended
	Jun. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Schedule of Significant Non-cash Investing and Financing Activities	The supplemental schedule of significant non-cash investing and financing activities for the six months ended June 30, 2024 and 2023 is as follows. Six Months Ended June 30, (in thousands) 2024 2023 Significant non-cash investing and financing transactions: Commitments to fund other investments $ 9,214 $ 11,093 Acquisitions: Assets acquired — 1,903,930 Liabilities assumed — 1,597,022 Net assets acquired — 306,908 Common stock issued and options converted — 306,461

Acquisitions (Tables)

Acquisitions (Tables)	6 Months Ended
	Jun. 30, 2024
Business Combination, Asset Acquisition, and Joint Venture Formation [Abstract]
Schedule of Actual Results and Pro Forma Information	The actual results and pro forma information were as follows: Three Months Ended Six Months Ended (in thousands) Revenue Net Income Revenue Net Income Actual Progress results included in statement of income since acquisition date $ 17,969 $ 3,288 $ 24,621 $ 5,098 Supplemental consolidated pro forma as if Progress had been acquired January 1, 2022 $ 213,509 $ 64,832 443,050 140,041

Investment Securities (Tables)

Investment Securities (Tables)	6 Months Ended
	Jun. 30, 2024
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 June 30, 2024 U.S. Treasuries $ 19,880 $ — $ 2,061 $ 17,819 U.S. Government agencies & GSEs 99,116 — 16,810 82,306 State and political subdivisions 291,782 6 55,443 236,345 Residential MBS, Agency & GSEs 1,334,113 1 225,151 1,108,963 Commercial MBS, Agency & GSEs 673,050 — 126,281 546,769 Supranational entities 15,000 — 2,775 12,225 Total $ 2,432,941 $ 7 $ 428,521 $ 2,004,427 As of December 31, 2023 U.S. Treasuries $ 19,864 $ — $ 1,914 $ 17,950 U.S. Government agencies & GSEs 99,052 — 15,689 83,363 State and political subdivisions 292,705 171 50,437 242,439 Residential MBS, Agency & GSEs 1,383,294 24 206,344 1,176,974 Commercial MBS, Agency & GSEs 680,933 — 118,539 562,394 Supranational entities $ 15,000 $ — $ 2,500 $ 12,500 Total $ 2,490,848 $ 195 $ 395,423 $ 2,095,620
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) Amortized Gross Unrealized Gross Unrealized Fair As of June 30, 2024 U.S. Treasuries $ 485,422 $ 126 $ 12,884 $ 472,664 U.S. Government agencies & GSEs 326,837 334 14,764 312,407 State and political subdivisions 178,603 — 19,068 159,535 Residential MBS, Agency & GSEs 1,357,700 341 132,456 1,225,585 Residential MBS, Non-agency 325,219 — 20,614 304,605 Commercial MBS, Agency & GSEs 824,489 306 39,618 785,177 Commercial MBS, Non-agency 19,944 — 546 19,398 Corporate bonds 211,342 129 17,063 194,408 Asset-backed securities 131,868 187 1,065 130,990 Total $ 3,861,424 $ 1,423 $ 258,078 $ 3,604,769 As of December 31, 2023 U.S. Treasuries $ 398,021 $ 39 $ 10,711 $ 387,349 U.S. Government agencies & GSEs 281,708 269 14,477 267,500 State and political subdivisions 182,546 5 18,502 164,049 Residential MBS, Agency & GSEs 1,315,064 300 125,012 1,190,352 Residential MBS, Non-agency 339,330 — 22,084 317,246 Commercial MBS, Agency & GSEs 656,004 1,073 39,017 618,060 Commercial MBS, Non-agency 24,269 — 675 23,594 Corporate bonds 218,285 64 17,127 201,222 Asset-backed securities 164,728 — 3,016 161,712 Total $ 3,579,955 $ 1,750 $ 250,621 $ 3,331,084
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. Less than 12 Months 12 Months or More Total (in thousands) Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized As of June 30, 2024 U.S. Treasuries $ — $ — $ 17,819 $ 2,061 $ 17,819 $ 2,061 U.S. Government agencies & GSEs — — 82,306 16,810 82,306 16,810 State and political subdivisions 20,385 301 215,054 55,142 235,439 55,443 Residential MBS, Agency & GSEs 1,405 14 1,107,463 225,137 1,108,868 225,151 Commercial MBS, Agency & GSEs — — 546,769 126,281 546,769 126,281 Supranational entities — — 12,225 2,775 12,225 2,775 Total unrealized loss position $ 21,790 $ 315 $ 1,981,636 $ 428,206 $ 2,003,426 $ 428,521 As of December 31, 2023 U.S. Treasuries $ — $ — $ 17,951 $ 1,914 $ 17,951 $ 1,914 U.S. Government agencies & GSEs — — 83,363 15,689 83,363 15,689 State and political subdivisions 2,986 13 217,547 50,424 220,533 50,437 Residential MBS, Agency & GSEs 311 2 1,175,263 206,342 1,175,574 206,344 Commercial MBS, Agency & GSEs 6,533 115 555,861 118,424 562,394 118,539 Supranational entities — — 12,500 2,500 12,500 2,500 Total unrealized loss position $ 9,830 $ 130 $ 2,062,485 $ 395,293 $ 2,072,315 $ 395,423
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. Less than 12 Months 12 Months or More Total (in thousands) Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized As of June 30, 2024 U.S. Treasuries $ 344,223 $ 2,027 $ 103,459 $ 10,857 $ 447,682 $ 12,884 U.S. Government agencies & GSEs 54,359 171 175,057 14,593 229,416 14,764 State and political subdivisions 759 — 158,776 19,068 159,535 19,068 Residential MBS, Agency & GSEs 77,309 506 1,056,295 131,950 1,133,604 132,456 Residential MBS, Non-agency — — 304,605 20,614 304,605 20,614 Commercial MBS, Agency & GSEs 303,535 1,773 377,126 37,845 680,661 39,618 Commercial MBS, Non-agency — — 19,399 546 19,399 546 Corporate bonds 1,455 45 191,005 17,018 192,460 17,063 Asset-backed securities 2,194 13 105,237 1,052 107,431 1,065 Total unrealized loss position $ 783,834 $ 4,535 $ 2,490,959 $ 253,543 $ 3,274,793 $ 258,078 As of December 31, 2023 U.S. Treasuries $ 100,369 $ 39 $ 103,535 $ 10,672 $ 203,904 $ 10,711 U.S. Government agencies & GSEs 41,960 141 184,184 14,336 226,144 14,477 State and political subdivisions — — 163,278 18,502 163,278 18,502 Residential MBS, Agency & GSEs 50,014 672 1,108,290 124,340 1,158,304 125,012 Residential MBS, Non-agency — — 317,247 22,084 317,247 22,084 Commercial MBS, Agency & GSEs 98,052 2,494 342,390 36,523 440,442 39,017 Commercial MBS, Non-agency — — 23,594 675 23,594 675 Corporate bonds 4,016 116 195,329 17,011 199,345 17,127 Asset-backed securities 11,855 53 149,857 2,963 161,712 3,016 Total unrealized loss position $ 306,266 $ 3,515 $ 2,587,704 $ 247,106 $ 2,893,970 $ 250,621
Schedule of Accrued Interest Receivable	The following table presents accrued interest receivable on HTM and AFS debt securities, which was excluded from the estimate of credit losses, for the periods indicated. Accrued Interest Receivable (in thousands) June 30, 2024 December 31, 2023 HTM $ 6,026 $ 6,143 AFS 15,443 12,568
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 June 30, 2024, by contractual maturity, are presented in the following table. AFS HTM (in thousands) Amortized Cost Fair Value Amortized Cost Fair Value Within 1 year: U.S. Treasuries $ 147,717 $ 147,487 $ — $ — U.S. Government agencies & GSEs 371 359 — — State and political subdivisions 4,084 3,994 2,701 2,694 Corporate bonds 27,544 26,843 — — 179,716 178,683 2,701 2,694 1 to 5 years: U.S. Treasuries 337,705 325,177 19,880 17,819 U.S. Government agencies & GSEs 49,479 45,424 — — State and political subdivisions 24,753 22,724 25,637 23,939 Corporate bonds 139,446 128,707 — — 551,383 522,032 45,517 41,758 5 to 10 years: U.S. Government agencies & GSEs 137,192 131,259 72,703 61,206 State and political subdivisions 61,713 52,564 55,597 46,782 Corporate bonds 43,539 37,940 — — Supranational entities — — 15,000 12,225 242,444 221,763 143,300 120,213 More than 10 years: U.S. Government agencies & GSEs 139,795 135,365 26,413 21,100 State and political subdivisions 88,053 80,253 207,847 162,930 Corporate bonds 813 918 — — 228,661 216,536 234,260 184,030 Debt securities not due at a single maturity date: Asset-backed securities 131,868 130,990 — — Residential MBS 1,682,919 1,530,190 1,334,113 1,108,963 Commercial MBS 844,433 804,575 673,050 546,769 2,659,220 2,465,755 2,007,163 1,655,732 Total $ 3,861,424 $ 3,604,769 $ 2,432,941 $ 2,004,427
Schedule of AFS Securities Sales Activity	The following table summarizes AFS securities sales activity for the three and six months ended June 30, 2024 and 2023 . Three Months Ended Six Months Ended (in thousands) 2024 2023 2024 2023 Proceeds from sales $ — $ — $ 647 $ 380,661 Gross realized gains $ — $ — $ — $ 1,373 Gross realized losses — — — (3,017) Securities losses, net $ — $ — $ — $ (1,644) Income tax benefit attributable to sales $ — $ — $ — $ (374)
Schedule of Equity Method Investments	The table below reflects the carrying value of certain equity investments, which are included in other assets on the consolidated balance sheet, as of the dates indicated. (in thousands) June 30, 2024 December 31, 2023 FHLB Stock $ 18,009 $ 18,104 FRB Stock 88,007 — Equity securities with readily determinable fair values 7,703 7,395

Loans and Leases and Allowanc_2

Loans and Leases and Allowance for Credit Losses (Tables)	6 Months Ended
	Jun. 30, 2024
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) June 30, 2024 December 31, 2023 Owner occupied CRE $ 3,296,793 $ 3,264,051 Income producing CRE 4,058,076 4,263,952 Commercial & industrial 2,299,009 2,411,045 Commercial construction 2,013,672 1,859,538 Equipment financing 1,581,336 1,541,120 Total commercial 13,248,886 13,339,706 Residential mortgage 3,265,818 3,198,928 Home equity 984,967 958,987 Residential construction 211,448 301,650 Manufactured housing 320,774 336,474 Consumer 183,053 181,117 Total loans excluding fair value hedge basis adjustment 18,214,946 18,316,862 Fair value hedge basis adjustment (3,753) 1,893 Total loans 18,211,193 18,318,755 Less ACL - loans (213,022) (208,071) Loans, net $ 17,998,171 $ 18,110,684
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. The gains on these loan sales were included in noninterest income on the consolidated statements of income. Three Months Ended June 30, Six Months Ended June 30, (in thousands) 2024 2023 2024 2023 Guaranteed portion of SBA/USDA loans $ 18,311 $ 22,072 $ 27,699 $ 43,842 Equipment financing receivables 8,391 20,571 36,714 39,274 Total $ 26,702 $ 42,643 $ 64,413 $ 83,116
Schedule of Components of Net Investment in Leases	At June 30, 2024 and December 31, 2023, equipment financing receivables included leases of $79.6 million and $68.9 million, respectively. The components of the net investment in leases, which included both sales-type and direct financing, are presented below. (in thousands) June 30, 2024 December 31, 2023 Minimum future lease payments receivable $ 87,333 $ 75,198 Estimated residual value of leased equipment 4,916 4,445 Initial direct costs 1,664 1,402 Security deposits (448) (413) Unearned income (13,900) (11,711) Net investment in leases $ 79,565 $ 68,921
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 June 30, 2024 were as follows: (in thousands) Year Remainder of 2024 $ 15,001 2025 27,016 2026 21,080 2027 15,187 2028 7,809 Thereafter 1,240 Total $ 87,333
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. 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 (in thousands) 30 - 59 Days 60 - 89 Days > 90 Days Nonaccrual Loans Total Loans As of June 30, 2024 Owner occupied CRE $ 3,286,682 $ 3,687 $ 1,604 $ — $ 4,820 $ 3,296,793 Income producing CRE 4,022,552 533 706 — 34,285 4,058,076 Commercial & industrial 2,274,054 6,911 709 — 17,335 2,299,009 Commercial construction 2,005,634 15 1,169 — 6,854 2,013,672 Equipment financing 1,566,103 2,738 4,154 — 8,341 1,581,336 Total commercial 13,155,025 13,884 8,342 — 71,635 13,248,886 Residential mortgage 3,238,637 6,386 2,322 — 18,473 3,265,818 Home equity 978,546 2,184 457 1 3,779 984,967 Residential construction 211,172 69 44 — 163 211,448 Manufactured housing 287,621 10,242 2,555 — 20,356 320,774 Consumer 182,144 747 90 — 72 183,053 Total loans $ 18,053,145 $ 33,512 $ 13,810 $ 1 $ 114,478 $ 18,214,946 As of December 31, 2023 Owner occupied CRE $ 3,258,015 $ 2,942 $ — $ — $ 3,094 $ 3,264,051 Income producing CRE 4,230,140 3,684 — — 30,128 4,263,952 Commercial & industrial 2,388,076 8,129 1,373 — 13,467 2,411,045 Commercial construction 1,857,660 — — — 1,878 1,859,538 Equipment financing 1,522,962 5,895 3,758 — 8,505 1,541,120 Total commercial 13,256,853 20,650 5,131 — 57,072 13,339,706 Residential mortgage 3,179,329 4,622 1,033 — 13,944 3,198,928 Home equity 950,841 4,106 268 — 3,772 958,987 Residential construction 299,230 1,255 221 — 944 301,650 Manufactured housing 304,794 12,622 3,197 — 15,861 336,474 Consumer 180,245 686 92 — 94 181,117 Total loans $ 18,171,292 $ 43,941 $ 9,942 $ — $ 91,687 $ 18,316,862
Schedule of Nonaccrual Loans by Loan Class	The following table presents nonaccrual loans held for investment by loan class for the periods indicated. Nonaccrual Loans June 30, 2024 December 31, 2023 (in thousands) With no allowance With an allowance Total With no allowance With an allowance Total Owner occupied CRE $ 3,667 $ 1,153 $ 4,820 $ 2,451 $ 643 $ 3,094 Income producing CRE 18,404 15,881 34,285 11,003 19,125 30,128 Commercial & industrial 10,153 7,182 17,335 11,940 1,527 13,467 Commercial construction 4,834 2,020 6,854 1,784 94 1,878 Equipment financing 38 8,303 8,341 57 8,448 8,505 Total commercial 37,096 34,539 71,635 27,235 29,837 57,072 Residential mortgage 1,630 16,843 18,473 1,836 12,108 13,944 Home equity 344 3,435 3,779 1,276 2,496 3,772 Residential construction 114 49 163 398 546 944 Manufactured housing — 20,356 20,356 — 15,861 15,861 Consumer 2 70 72 2 92 94 Total $ 39,186 $ 75,292 $ 114,478 $ 30,747 $ 60,940 $ 91,687
Schedule of Amortized Cost of Loans by Risk Category by Vintage Year	The following tables present the risk category of term loans and gross charge-offs by vintage year, which is the year of origination or most recent renewal, as of the date indicated. See Note 1 for description of revisions to December 31, 2023 table. (in thousands) Term Loans by Origination Year Revolvers Revolvers converted to term loans Total As of June 30, 2024 2024 2023 2022 2021 2020 Prior Owner occupied CRE Pass $ 203,509 $ 571,318 $ 636,763 $ 600,078 $ 533,462 $ 508,040 $ 117,945 $ 17,714 $ 3,188,829 Special Mention 730 5,441 17,339 13,231 10,021 8,593 2,480 2,743 60,578 Substandard 2,411 287 12,902 6,524 6,554 17,418 1,290 — 47,386 Total owner occupied CRE $ 206,650 $ 577,046 $ 667,004 $ 619,833 $ 550,037 $ 534,051 $ 121,715 $ 20,457 $ 3,296,793 Current period gross charge-offs $ — $ — $ 221 $ — $ — $ 580 $ — $ — $ 801 Income producing CRE Pass $ 150,897 $ 416,384 $ 865,687 $ 821,078 $ 704,597 $ 753,181 $ 47,497 $ 12,390 $ 3,771,711 Special Mention 27,151 2,387 29,031 3,494 9,393 24,853 49 — 96,358 Substandard 12,974 43,723 10,464 1,092 22,761 98,993 — — 190,007 Total income producing CRE $ 191,022 $ 462,494 $ 905,182 $ 825,664 $ 736,751 $ 877,027 $ 47,546 $ 12,390 $ 4,058,076 Current period gross charge-offs $ — $ 3,129 $ — $ — $ — $ 229 $ — $ — $ 3,358 Commercial & industrial Pass $ 204,233 $ 472,293 $ 348,857 $ 245,826 $ 137,009 $ 219,709 $ 512,033 $ 7,975 $ 2,147,935 Special Mention 23,454 17,090 1,916 1,817 2,686 1,203 26,586 1,776 76,528 Substandard 903 15,419 6,103 14,844 5,283 8,033 22,896 1,065 74,546 Total commercial & industrial $ 228,590 $ 504,802 $ 356,876 $ 262,487 $ 144,978 $ 228,945 $ 561,515 $ 10,816 $ 2,299,009 Current period gross charge-offs $ — $ 1,972 $ 1,949 $ 1,203 $ 436 $ 1,044 $ — $ 1,466 $ 8,070 Commercial construction Pass $ 228,487 $ 518,348 $ 676,319 $ 360,532 $ 73,221 $ 77,321 $ 59,765 $ 2,174 $ 1,996,167 Special Mention 4,850 172 529 2 — 112 1,932 — 7,597 Substandard 1,903 3,721 2,629 395 1,021 239 — — 9,908 Total commercial construction $ 235,240 $ 522,241 $ 679,477 $ 360,929 $ 74,242 $ 77,672 $ 61,697 $ 2,174 $ 2,013,672 Current period gross charge-offs $ — $ — $ 53 $ — $ — $ — $ — $ — $ 53 Equipment financing Pass $ 367,197 $ 535,699 $ 408,606 $ 172,520 $ 56,633 $ 26,425 $ — $ — $ 1,567,080 Special Mention — — 764 2,210 837 616 — — 4,427 Substandard 172 1,752 4,036 2,644 438 787 — — 9,829 Total equipment financing $ 367,369 $ 537,451 $ 413,406 $ 177,374 $ 57,908 $ 27,828 $ — $ — $ 1,581,336 Current period gross charge-offs $ — $ 2,728 $ 6,739 $ 3,684 $ 611 $ 131 $ — $ — $ 13,893 Residential mortgage Pass $ 59,264 $ 320,686 $ 1,032,241 $ 1,028,897 $ 420,718 $ 377,977 $ 6 $ 3,091 $ 3,242,880 Substandard 1,969 2,583 4,748 1,900 1,771 9,697 — 270 22,938 Total residential mortgage $ 61,233 $ 323,269 $ 1,036,989 $ 1,030,797 $ 422,489 $ 387,674 $ 6 $ 3,361 $ 3,265,818 Current period gross charge-offs $ — $ — $ 13 $ 1 $ — $ 8 $ — $ — $ 22 Home equity Pass $ — $ — $ — $ — $ — $ — $ 952,634 $ 28,093 $ 980,727 Substandard — — — — — — — 4,240 4,240 Total home equity $ — $ — $ — $ — $ — $ — $ 952,634 $ 32,333 $ 984,967 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ 7 $ 7 Residential construction Pass $ 24,353 $ 98,195 $ 62,977 $ 15,051 $ 4,778 $ 5,748 $ — $ 91 $ 211,193 Substandard — — 144 — 6 105 — — 255 Total residential construction $ 24,353 $ 98,195 $ 63,121 $ 15,051 $ 4,784 $ 5,853 $ — $ 91 $ 211,448 Current period gross charge-offs $ — $ 141 $ — $ 48 $ — $ — $ — $ — $ 189 Manufactured housing Pass $ — $ 42,377 $ 65,869 $ 46,715 $ 40,841 $ 103,113 $ — $ — $ 298,915 Substandard 126 2,160 4,862 3,877 4,009 6,825 — — 21,859 Total consumer $ 126 $ 44,537 $ 70,731 $ 50,592 $ 44,850 $ 109,938 $ — $ — $ 320,774 Current period gross charge-offs $ — $ 491 $ 1,099 $ 377 $ 406 $ 467 $ — $ — $ 2,840 Consumer Pass $ 53,462 $ 59,035 $ 28,837 $ 11,233 $ 8,692 $ 971 $ 20,214 $ 447 $ 182,891 Substandard — 22 58 55 20 7 — — 162 Total consumer $ 53,462 $ 59,057 $ 28,895 $ 11,288 $ 8,712 $ 978 $ 20,214 $ 447 $ 183,053 Current period gross charge-offs $ 1,403 $ 166 $ 96 $ 25 $ 9 $ — $ — $ 78 $ 1,777 (in thousands) Term Loans Revolvers Revolvers converted to term loans Total December 31, 2023 (revised) 2023 2022 2021 2020 2019 Prior Owner occupied CRE Pass $ 592,932 $ 654,845 $ 618,811 $ 577,916 $ 224,684 $ 364,579 $ 117,212 $ 18,671 $ 3,169,650 Special Mention 1,308 7,768 4,266 4,919 9,221 6,155 100 254 33,991 Substandard 3,266 8,037 15,975 11,544 8,437 9,042 1,421 2,688 60,410 Total owner occupied CRE $ 597,506 $ 670,650 $ 639,052 $ 594,379 $ 242,342 $ 379,776 $ 118,733 $ 21,613 $ 3,264,051 Current period gross charge-offs $ — $ 48 $ — $ 819 $ — $ 207 $ — $ — $ 1,074 Income producing CRE Pass $ 464,979 $ 904,015 $ 863,308 $ 795,143 $ 362,139 $ 526,968 $ 50,659 $ 13,247 $ 3,980,458 Special Mention 7,626 31,993 18,989 26,217 19,904 27,893 — — 132,622 Substandard 31,530 10,041 6,343 5,436 43,450 54,018 — 54 150,872 Total income producing CRE $ 504,135 $ 946,049 $ 888,640 $ 826,796 $ 425,493 $ 608,879 $ 50,659 $ 13,301 $ 4,263,952 Current period gross charge-offs $ — $ 2,534 $ — $ — $ — $ 5,324 $ — $ — $ 7,858 Commercial & industrial Pass $ 573,391 $ 431,962 $ 280,372 $ 136,975 $ 86,300 $ 169,570 $ 581,871 $ 13,332 $ 2,273,773 Special Mention 2,908 4,449 1,642 5,430 5,473 718 14,861 274 35,755 Substandard 5,272 5,022 23,562 11,432 5,454 3,178 46,282 1,315 101,517 Total commercial & industrial $ 581,571 $ 441,433 $ 305,576 $ 153,837 $ 97,227 $ 173,466 $ 643,014 $ 14,921 $ 2,411,045 Current period gross charge-offs $ 5,430 $ 1,462 $ 13,271 $ 2,477 $ 787 $ 286 $ — $ 1,825 $ 25,538 Commercial construction Pass $ 525,988 $ 647,516 $ 396,958 $ 111,045 $ 66,635 $ 28,902 $ 62,370 $ 966 $ 1,840,380 Special Mention — — 6 28 — 124 — — 158 Substandard 1,109 2,408 10,018 5,188 195 82 — — 19,000 Total commercial construction $ 527,097 $ 649,924 $ 406,982 $ 116,261 $ 66,830 $ 29,108 $ 62,370 $ 966 $ 1,859,538 Current period gross charge-offs $ — $ 60 $ — $ — $ — $ — $ — $ — $ 60 Equipment financing Pass $ 673,201 $ 496,336 $ 233,422 $ 83,507 $ 41,053 $ 3,722 $ — $ — $ 1,531,241 Substandard 1,471 4,141 2,487 960 817 3 — — 9,879 Total equipment financing $ 674,672 $ 500,477 $ 235,909 $ 84,467 $ 41,870 $ 3,725 $ — $ — $ 1,541,120 Current period gross charge-offs $ 474 $ 10,902 $ 9,764 $ 1,960 $ 786 $ 320 $ — $ — $ 24,206 Residential mortgage Pass $ 319,604 $ 975,957 $ 1,032,182 $ 440,287 $ 130,378 $ 280,357 $ 6 $ 3,415 $ 3,182,186 Substandard 1,480 2,580 2,180 889 1,991 7,374 — 248 16,742 Total residential mortgage $ 321,084 $ 978,537 $ 1,034,362 $ 441,176 $ 132,369 $ 287,731 $ 6 $ 3,663 $ 3,198,928 Current period gross charge-offs $ — $ 51 $ — $ — $ — $ 38 $ — $ — $ 89 Home equity Pass $ — $ — $ — $ — $ — $ — $ 926,596 $ 28,412 $ 955,008 Substandard — — — — — — — 3,979 3,979 Total home equity $ — $ — $ — $ — $ — $ — $ 926,596 $ 32,391 $ 958,987 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ 167 $ 167 Residential construction Pass $ 92,490 $ 153,868 $ 42,237 $ 5,201 $ 1,046 $ 5,655 $ — $ 93 $ 300,590 Substandard 517 243 149 6 — 145 — — 1,060 Total residential construction $ 93,007 $ 154,111 $ 42,386 $ 5,207 $ 1,046 $ 5,800 $ — $ 93 $ 301,650 Current period gross charge-offs $ — $ 1,111 $ — $ — $ — $ — $ — $ — $ 1,111 Manufactured housing Pass $ 45,065 $ 69,424 $ 48,814 $ 43,735 $ 31,321 $ 80,284 $ — $ — $ 318,643 Substandard 1,078 4,647 3,570 3,020 1,282 4,234 — — 17,831 Total consumer $ 46,143 $ 74,071 $ 52,384 $ 46,755 $ 32,603 $ 84,518 $ — $ — $ 336,474 Current period gross charge-offs $ 38 $ 1,503 $ 985 $ 419 $ 279 $ 690 $ — $ — $ 3,914 Consumer Pass $ 86,049 $ 39,461 $ 16,369 $ 10,350 $ 1,214 $ 668 $ 26,239 $ 534 $ 180,884 Substandard 50 55 53 25 5 13 32 — 233 Total consumer $ 86,099 $ 39,516 $ 16,422 $ 10,375 $ 1,219 $ 681 $ 26,271 $ 534 $ 181,117 Current period gross charge-offs $ 3,245 $ 241 $ 233 $ 38 $ 15 $ 1 $ 5 $ 204 $ 3,982
Schedule of Modifications to Borrowers Experiencing Financial Difficulty	The period-end amortized cost and additional information regarding loans modified under the terms of a FDM during the six months ended June 30, 2024 and 2023 are presented in the following tables . Six Months Ended June 30, 2024 New FDMs Defaults within 12 months of modification (dollars in thousands) Amortized Cost % of Total Class of Receivable Owner occupied CRE $ 2,697 0.1 % $ — Income producing CRE 28,553 0.7 — Commercial & industrial 27,603 1.2 — Equipment financing 4,290 0.3 284 Residential mortgage 1,994 0.1 — Manufactured housing 126 — — Total $ 65,263 0.4 $ 284 Six Months Ended June 30, 2024 New FDMs (dollars in thousands) Amortized Cost Weighted Average Modification Extension Owner occupied CRE $ 198 6 months Commercial & industrial 23,284 11 months Residential mortgage 25 1 year Total 23,507 Payment Delay Owner occupied CRE (1) 896 4 months Income producing CRE (2) 28,553 1 year Commercial & industrial (1) 155 6 months Total 29,604 Rate Reduction Commercial & industrial 891 50 basis points Payment Delay and Extension Commercial & industrial 573 Payment delay: 4 months; Extension: 3 years Equipment financing 4,290 Extension and payment delay: 8 months Total 4,863 Rate Reduction and Extension Residential mortgage 1,969 Rate reduction: 471 basis points; Extension: 2.6 years Manufactured housing 126 Rate reduction: 624 basis points; Extension: 6 years Total 2,095 Rate Reduction and Payment Delay Owner occupied CRE 1,439 Rate reduction: 75 basis points; Payment delay: 6 months Commercial & industrial 115 Rate reduction: 150 basis points; Payment delay: 6 months 1,554 Rate Reduction, Payment Delay and Extension Owner occupied CRE 164 Rate reduction: 75 basis points; Payment delay: 6 months; Extension: 3 years Commercial & industrial 2,585 Rate reduction: 267 basis points; Payment delay: 6 months; Extension: 4.5 years Total 2,749 Total $ 65,263 (1) Payment delay FDMs in bankruptcy are excluded from the weighted average payment delay calculation. (2) Payment delays in this category reflect principal payment delays, while interest payments continue in accordance with loan terms. Six Months Ended June 30, 2023 New FDMs Defaults within 12 months of modification Amortized Cost by Type of Modification (dollars in thousands) Extension Payment Delay Rate Reduction & Extension Total % of Total Class of Receivable Income producing CRE $ 38,138 $ — $ 21,202 $ 59,340 1.6 % $ — Commercial & industrial 2,718 29,517 — 32,235 1.3 — Equipment financing 8,069 — — 8,069 0.5 — Residential mortgage 57 — 630 687 — — Manufactured housing — — 259 259 0.1 — Total $ 48,982 $ 29,517 $ 22,091 $ 100,590 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 June 30, 2024 2023 Beginning Balance Charge-Offs Recoveries (Release) Provision Ending Balance Beginning Balance Charge-Offs Recoveries (Release) Provision Ending Balance Owner occupied CRE $ 19,658 $ (373) $ 210 $ 2,292 $ 21,787 $ 20,831 $ — $ 205 $ 752 $ 21,788 Income producing CRE 46,798 (3,129) 161 (936) 42,894 33,607 (2,033) 849 6,352 38,775 Commercial & industrial 31,858 (3,284) 2,003 1,524 32,101 28,312 (3,753) 1,007 4,290 29,856 Commercial construction 20,023 — 48 (454) 19,617 22,073 — 105 98 22,276 Equipment financing 39,982 (6,604) 1,102 10,635 45,115 26,195 (3,752) 1,215 4,946 28,604 Residential mortgage 28,636 (6) 113 (131) 28,612 24,082 (26) 69 1,306 25,431 Home equity 9,715 — 27 (356) 9,386 10,337 (24) 83 213 10,609 Residential construction 1,529 (56) 30 (119) 1,384 2,043 (637) 14 2,026 3,446 Manufactured housing 12,044 (1,233) 83 628 11,522 8,424 (620) — 1,400 9,204 Consumer 691 (916) 210 619 604 630 (1,327) 226 1,187 716 ACL - loans 210,934 (15,601) 3,987 13,702 213,022 176,534 (12,172) 3,773 22,570 190,705 ACL - unfunded commitments 13,185 — — (1,467) 11,718 21,389 — — 183 21,572 Total ACL $ 224,119 $ (15,601) $ 3,987 $ 12,235 $ 224,740 $ 197,923 $ (12,172) $ 3,773 $ 22,753 $ 212,277 Six Months Ended June 30, 2024 2023 Beginning Balance Charge-Offs Recoveries (Release) Provision Ending Balance Beginning Initial ACL - PCD loans (1) Charge- Recoveries (Release) Ending Owner occupied CRE $ 23,542 $ (801) $ 436 $ (1,390) $ 21,787 $ 19,834 $ 181 $ (207) $ 322 $ 1,658 $ 21,788 Income producing CRE 47,755 (3,358) 185 (1,688) 42,894 32,082 307 (4,814) 1,324 9,876 38,775 Commercial & industrial 30,890 (8,070) 2,883 6,398 32,101 23,504 1,358 (4,651) 1,680 7,965 29,856 Commercial construction 21,741 (53) 81 (2,152) 19,617 20,120 39 — 142 1,975 22,276 Equipment financing 33,383 (13,893) 2,029 23,596 45,115 23,395 — (7,779) 1,867 11,121 28,604 Residential mortgage 28,219 (22) 145 270 28,612 20,809 157 (45) 175 4,335 25,431 Home equity 9,647 (7) 88 (342) 9,386 8,707 534 (145) 171 1,342 10,609 Residential construction 1,833 (189) 44 (304) 1,384 2,049 124 (637) 29 1,881 3,446 Manufactured housing 10,339 (2,840) 121 3,902 11,522 8,098 — (1,274) 26 2,354 9,204 Consumer 722 (1,777) 476 1,183 604 759 4 (2,144) 477 1,620 716 ACL - loans 208,071 (31,010) 6,488 29,473 213,022 159,357 2,704 (21,696) 6,213 44,127 190,705 ACL - unfunded commitments 16,057 — — (4,339) 11,718 21,163 — — — 409 21,572 Total ACL $ 224,128 $ (31,010) $ 6,488 $ 25,134 $ 224,740 $ 180,520 $ 2,704 $ (21,696) $ 6,213 $ 44,536 $ 212,277

Derivatives and Hedging Activ_2

Derivatives and Hedging Activities (Tables)	6 Months Ended
	Jun. 30, 2024
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: June 30, 2024 December 31, 2023 Notional Amount Fair Value Notional Amount Fair Value (in thousands) Derivative Asset Derivative Liability Derivative Asset Derivative Liability Derivatives designated as hedging instruments: Cash flow hedge of subordinated debt $ 100,000 $ 13,325 $ — $ 100,000 $ 13,168 $ — Cash flow hedges of trust preferred securities 20,000 — — 20,000 — — Fair value hedges of AFS debt securities 790,628 — — 655,511 — — Fair value hedges of loans 1,650,000 — — 150,000 — — Total 2,560,628 13,325 — 925,511 13,168 — Derivatives not designated as hedging instruments: Customer derivative positions 1,135,793 1,164 74,493 1,177,275 3,461 68,384 Dealer offsets to customer derivative positions 1,135,793 24,799 1,168 1,197,364 23,061 4,597 Risk participations 91,747 1 7 90,597 1 8 Mortgage banking - loan commitments 89,064 1,594 — 48,452 1,089 — Mortgage banking - forward sales commitment 103,295 218 115 81,671 20 658 Bifurcated embedded derivatives 51,935 10,742 — 51,935 9,552 — Dealer offsets to bifurcated embedded derivatives 51,935 — 12,251 51,935 — 11,164 Total 2,659,562 38,518 88,034 2,699,229 37,184 84,811 Total derivatives $ 5,220,190 $ 51,843 $ 88,034 $ 3,624,740 $ 50,352 $ 84,811 Total gross derivative instruments $ 51,843 $ 88,034 $ 50,352 $ 84,811 Less: Amounts subject to master netting agreements (1,340) (1,340) (4,683) (4,683) Less: Cash collateral received/pledged (38,671) (12,655) (33,921) (11,330) Net amount $ 11,832 $ 74,039 $ 11,748 $ 68,798
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. Affected Income Statement Line Item Increase/(Decrease) to Earnings Three Months Ended June 30, Six Months Ended June 30, (in thousands) 2024 2023 2024 2023 Fair value hedges: AFS securities: Amounts related to interest settlements on derivatives $ 3,120 $ 2,310 $ 5,976 2,310 Gain recognized on derivative 390 13,889 9,852 13,889 Gain (loss) recognized on hedged items 310 (15,289) (9,488) (15,289) Net income recognized on AFS securities fair value hedges Interest revenue- investment securities $ 3,820 $ 910 $ 6,340 $ 910 Loans: Amounts related to interest settlements on derivatives $ 3,665 $ — $ 4,963 $ — Gain recognized on derivatives 3,467 — 5,625 — Loss recognized on hedged items (3,351) — (5,646) — Net income recognized on loan fair value hedges Interest revenue - loans, including fees $ 3,781 $ — $ 4,942 $ — Cash flow hedges: Long-term debt (1) Interest expense- long term debt $ 1,438 $ 1,234 $ 2,878 $ 2,056 (1) Includes premium amortization expense excluded from the assessment of hedge effectiveness of $235,000 and $229,000 for the six months ended June 30, 2024 and 2023, respectively.
Schedule of Fair Value Hedging Instruments, Carrying Value and Basis Adjustments	The table below presents the carrying amount of hedged items and cumulative fair value hedging basis adjustments for the periods presented. All fair value hedges of AFS debt securities and loans at June 30, 2024 and December 31, 2023 were designated under the portfolio layer method. (in thousands) June 30, 2024 December 31, 2023 Balance Sheet Location Carrying Amount Hedge Accounting Basis Adjustment Hedged Portfolio Layer Carrying Amount Hedge Accounting Basis Adjustment Hedged Portfolio Layer Debt securities AFS (1) $ 957,162 $ (14,161) $ 790,628 $ 789,908 $ (4,673) $ 655,511 Loans and leases held for investment 5,240,360 (3,753) 1,650,000 1,017,379 1,893 150,000 (1) Carrying amount for AFS debt securities reflects amortized cost, which excludes the 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. Location of Gain (Loss) Recognized in Income on Derivatives Amount of Gain (Loss) Recognized in Income on Derivatives Three Months Ended Six Months Ended June 30, (in thousands) 2024 2023 2024 2023 Customer derivatives and dealer offsets Other noninterest income $ 451 $ 545 $ 206 $ 912 Bifurcated embedded derivatives and dealer offsets Other noninterest income 1 (474) (191) (1,007) Mortgage banking derivatives Mortgage loan revenue 451 174 1,352 1,401 Risk participations Other noninterest income (3) 154 (1) 142 $ 900 $ 399 $ 1,366 $ 1,448

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	6 Months Ended
	Jun. 30, 2024
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) June 30, 2024 December 31, 2023 Core deposit intangible $ 100,694 $ 104,174 Less: accumulated amortization (44,300) (40,495) Net core deposit intangible 56,394 63,679 Customer relationship intangible 8,400 8,400 Less: accumulated amortization (2,302) (1,906) Net customer relationship intangible 6,098 6,494 Total intangibles subject to amortization, net (1) 62,492 70,173 Goodwill 916,153 919,914 Total goodwill and other intangible assets, net $ 978,645 $ 990,087 (1) As intangible assets become fully amortized, they are excluded from balances presented.
Schedule of Changes in the Carrying Amounts of Goodwill	The following table summarizes the changes in the carrying amounts of goodwill for the periods indicated. Three Months Ended Six Months Ended (in thousands) 2024 2023 2024 2023 Balance, beginning of period (1) $ 921,253 $ 896,718 $ 919,914 $ 751,174 Acquisitions — — — 145,544 Measurement period adjustment - First Miami (2) — — 1,339 — FinTrust goodwill write-down (5,100) — (5,100) — Balance, end of period (1) $ 916,153 $ 896,718 $ 916,153 $ 896,718 (1) Goodwill balances are shown net of accumulated impairment losses of $306 million incurred prior to 2023. (2) See Note 4 for further details.
Schedule of Estimated Aggregate Amortization Expense for Future Periods	The estimated aggregate amortization expense for future periods for finite-lived intangibles, excluding the customer relationship intangible associated with FinTrust, is as follows: (in thousands) Year Remainder of 2024 $ 6,915 2025 12,272 2026 10,394 2027 8,516 2028 6,734 Thereafter 11,637 Total $ 56,468

Assets and Liabilities Measur_2

Assets and Liabilities Measured at Fair Value (Tables)	6 Months Ended
	Jun. 30, 2024
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) June 30, 2024 Level 1 Level 2 Level 3 Total Assets: AFS debt securities: U.S. Treasuries $ 472,664 $ — $ — $ 472,664 U.S. Government agencies & GSEs — 312,407 — 312,407 State and political subdivisions — 159,535 — 159,535 Residential MBS — 1,530,190 — 1,530,190 Commercial MBS — 804,575 — 804,575 Corporate bonds — 192,211 2,197 194,408 Asset-backed securities — 130,990 — 130,990 Equity securities with readily determinable fair values 5,915 1,788 — 7,703 Mortgage loans held for sale — 49,315 — 49,315 Deferred compensation plan assets 13,616 — — 13,616 Servicing rights for SBA/USDA loans — — 5,247 5,247 Residential mortgage servicing rights — — 38,014 38,014 Derivative financial instruments — 38,910 12,933 51,843 Total assets $ 492,195 $ 3,219,921 $ 58,391 $ 3,770,507 Liabilities: Deferred compensation plan liability $ 13,611 $ — $ — $ 13,611 Derivative financial instruments — 74,721 13,313 88,034 Total liabilities $ 13,611 $ 74,721 $ 13,313 $ 101,645 (in thousands) December 31, 2023 Level 1 Level 2 Level 3 Total Assets: AFS debt securities: U.S. Treasuries $ 387,349 $ — $ — $ 387,349 U.S. Government agencies & GSEs — 267,500 — 267,500 State and political subdivisions — 164,049 — 164,049 Residential MBS — 1,507,598 — 1,507,598 Commercial MBS — 641,654 — 641,654 Corporate bonds — 199,017 2,205 201,222 Asset-backed securities — 161,712 — 161,712 Equity securities with readily determinable fair values 5,767 1,628 — 7,395 Mortgage loans held for sale — 33,008 — 33,008 Deferred compensation plan assets 12,791 — — 12,791 Servicing rights for SBA/USDA loans — — 5,444 5,444 Residential mortgage servicing rights — — 35,897 35,897 Derivative financial instruments — 39,710 10,642 50,352 Total assets $ 405,907 $ 3,015,876 $ 54,188 $ 3,475,971 Liabilities: Deferred compensation plan liability $ 12,838 $ — $ — $ 12,838 Derivative financial instruments — 73,639 11,172 84,811 Total liabilities $ 12,838 $ 73,639 $ 11,172 $ 97,649
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. 2024 2023 (in thousands) 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 June 30, Beginning balance $ 12,811 $ 13,185 $ 5,507 $ 37,358 $ 2,160 $ 11,348 $ 11,195 $ 6,289 $ 36,081 $ 2,227 Additions 1,362 — 345 1,060 — — 167 464 848 — Sales and settlements (1,394) — (313) (1,037) — — — (231) (496) — Fair value adjustments included in OCI — — — — 37 — — — — (44) Fair value adjustments included in earnings 154 128 (292) 633 — 524 1,202 (374) 761 — Ending balance $ 12,933 $ 13,313 $ 5,247 $ 38,014 $ 2,197 $ 11,872 $ 12,564 $ 6,148 $ 37,194 $ 2,183 Six Months Ended June 30, Beginning balance $ 10,642 $ 11,172 $ 5,444 $ 35,897 $ 2,205 $ 11,513 $ 12,840 $ 5,188 $ 36,559 $ 2,212 Business combinations — — — — — — — 95 — — Additions 2,828 — 515 1,778 — — 170 924 1,480 — Transfers from Level 2 484 925 — — — — — — — — Sales and settlements (2,317) — (554) (1,797) — (11) — (451) (948) — Fair value adjustments included in OCI — — — — (8) — — — — (29) Fair value adjustments included in earnings 1,296 1,216 (158) 2,136 — 370 (446) 392 103 — Ending balance $ 12,933 $ 13,313 $ 5,247 $ 38,014 $ 2,197 $ 11,872 $ 12,564 $ 6,148 $ 37,194 $ 2,183
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. 2024 2023 (in thousands) 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 June 30, Beginning balance $ 12,811 $ 13,185 $ 5,507 $ 37,358 $ 2,160 $ 11,348 $ 11,195 $ 6,289 $ 36,081 $ 2,227 Additions 1,362 — 345 1,060 — — 167 464 848 — Sales and settlements (1,394) — (313) (1,037) — — — (231) (496) — Fair value adjustments included in OCI — — — — 37 — — — — (44) Fair value adjustments included in earnings 154 128 (292) 633 — 524 1,202 (374) 761 — Ending balance $ 12,933 $ 13,313 $ 5,247 $ 38,014 $ 2,197 $ 11,872 $ 12,564 $ 6,148 $ 37,194 $ 2,183 Six Months Ended June 30, Beginning balance $ 10,642 $ 11,172 $ 5,444 $ 35,897 $ 2,205 $ 11,513 $ 12,840 $ 5,188 $ 36,559 $ 2,212 Business combinations — — — — — — — 95 — — Additions 2,828 — 515 1,778 — — 170 924 1,480 — Transfers from Level 2 484 925 — — — — — — — — Sales and settlements (2,317) — (554) (1,797) — (11) — (451) (948) — Fair value adjustments included in OCI — — — — (8) — — — — (29) Fair value adjustments included in earnings 1,296 1,216 (158) 2,136 — 370 (446) 392 103 — Ending balance $ 12,933 $ 13,313 $ 5,247 $ 38,014 $ 2,197 $ 11,872 $ 12,564 $ 6,148 $ 37,194 $ 2,183
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 June 30, 2024 December 31, 2023 Range Weighted Average Range Weighted Average SBA/USDA loan servicing rights Discounted cash flow Discount rate 5.0% - 24.5% 12.1 % 8.4% - 25.0% 16.2 % Prepayment rate 1.9 - 39.0 19.8 3.5 - 37.4 18.5 Residential mortgage servicing rights Discounted cash flow Discount rate 10.0 - 12.5 10.0 10.0 - 15.0 10.0 Prepayment rate 6.5 - 61.3 7.8 6.5 - 29.9 8.0 Corporate bonds Discounted cash flow Discount rate 7.1 - 7.3 7.2 6.1 - 6.7 6.5 Derivative assets - mortgage Internal model Pull through rate 60.0 - 100 90.6 60.0 - 100 90.5 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. Mortgage Loans Held for Sale (in thousands) June 30, 2024 December 31, 2023 Outstanding principal balance $ 47,922 $ 31,788 Fair value 49,315 33,008 Gain (Loss) from Change in Fair Value on Mortgage Loans Held for Sale Location Three Months Ended Six Months Ended (in thousands) 2024 2023 2024 2023 Mortgage loan gains and other related fees $ 204 $ 33 $ 172 $ 264
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 June 30, 2024 and December 31, 2023, 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 June 30, 2024 Loans held for investment $ — $ — $ 26,133 $ 26,133 FinTrust net assets held for sale — — 15,322 15,322 December 31, 2023 Loans held for investment $ — $ — $ 36,984 $ 36,984
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. Fair Value Level (in thousands) Carrying Amount Level 1 Level 2 Level 3 Total June 30, 2024 Assets: HTM debt securities $ 2,432,941 $ 17,819 $ 1,986,608 $ — $ 2,004,427 Loans and leases, net 17,998,171 — — 17,499,616 17,499,616 Liabilities: Deposits 22,982,122 — 22,968,706 — 22,968,706 Long-term debt 324,887 — — 310,645 310,645 December 31, 2023 Assets: HTM debt securities $ 2,490,848 $ 17,950 $ 2,077,670 $ — $ 2,095,620 Loans and leases, net 18,110,684 — — 17,585,073 17,585,073 Liabilities: Deposits 23,310,611 — 23,305,223 — 23,305,223 Long-term debt 324,823 — — 310,060 310,060

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	6 Months Ended
	Jun. 30, 2024
Share-Based Payment Arrangement [Abstract]
Schedule of Restricted Stock Unit and Option Activity	The table below presents restricted stock unit and option activity for the six months ended June 30, 2024. Restricted Stock Unit Awards Options Shares Weighted- Aggregate Shares Weighted- Weighted- Aggregate Outstanding at December 31, 2023 929,367 $ 28.85 406,737 $ 21.19 Granted 232,747 27.94 — — Released / Exercised (80,246) 27.77 $ 2,189 (57,194) 20.40 $ 379 Cancelled (69,658) 27.81 (2,353) 26.05 Outstanding at June 30, 2024 1,012,210 28.83 25,771 347,190 21.28 4.8 1,482 Vested / Exercisable at June 30, 2024 — — 347,190 21.28 4.8 1,482

Reclassifications Out of AOCI (

Reclassifications Out of AOCI (Tables)	6 Months Ended
	Jun. 30, 2024
Equity [Abstract]
Schedule of Reclassifications Out of AOCI	The following table presents the details regarding amounts reclassified out of AOCI for the periods indicated. Amounts shown in parentheses reduce earnings. (in thousands) Details about AOCI Components Three Months Ended Six Months Ended Affected Line Item in the Statement Where Net Income is Presented 2024 2023 2024 2023 Realized losses on AFS securities: $ — $ — $ — $ (1,644) Securities losses, net — — — 374 Income tax expense $ — $ — $ — $ (1,270) Net of tax Amortization of unrealized losses on HTM securities transferred from AFS: $ (2,474) $ (2,518) $ (4,537) $ (5,486) Investment securities interest revenue 702 604 1,195 1,324 Income tax expense $ (1,772) $ (1,914) $ (3,342) $ (4,162) Net of tax Reclassifications related to derivative instruments accounted for as cash flow hedges: Interest rate contracts $ 1,438 $ 1,234 $ 2,878 $ 2,056 Long-term debt interest expense (363) (315) (731) (525) Income tax expense $ 1,075 $ 919 $ 2,147 $ 1,531 Net of tax Amortization of defined benefit pension plan net periodic pension cost components: Prior service cost $ (46) $ (61) $ (90) $ (122) Salaries and employee benefits expense 12 15 23 31 Income tax expense $ (34) $ (46) $ (67) $ (91) Net of tax Total reclassifications for the period $ (731) $ (1,041) $ (1,262) $ (3,992) Net of tax

Earnings Per Share (Tables)

Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2024
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. Three Months Ended Six Months Ended (in thousands, except per share data) 2024 2023 2024 2023 Net income $ 66,615 $ 63,288 $ 129,246 $ 125,588 Dividends on preferred stock (1,573) (1,719) (3,146) (3,438) Earnings allocated to participating securities (368) (342) (713) (680) Net income available to common shareholders $ 64,674 $ 61,227 $ 125,387 $ 121,470 Weighted average shares outstanding: Basic 119,726 115,774 119,694 115,614 Effect of dilutive securities: Stock options 59 95 69 166 Restricted stock units — — — 15 Diluted 119,785 115,869 119,763 115,795 Net income per common share: Basic $ 0.54 $ 0.53 $ 1.05 $ 1.05 Diluted $ 0.54 $ 0.53 $ 1.05 $ 1.05

Regulatory Matters (Tables)

Regulatory Matters (Tables)	6 Months Ended
	Jun. 30, 2024
Regulatory Capital Requirements Under Banking Regulations [Abstract]
Schedule of Minimum Amounts Required for Capital Adequacy Purposes	Regulatory capital ratios at June 30, 2024 and December 31, 2023, 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: United Community Banks, Inc. United Community Bank (dollars in thousands) Minimum (1) Well- June 30, December 31, June 30, December 31, Risk-based ratios: CET1 capital 4.5 % 6.5 % 12.79 % 12.16 % 12.90 % 12.22 % Tier 1 capital 6.0 8.0 13.24 12.60 12.90 12.22 Total capital 8.0 10.0 15.08 14.49 13.95 13.23 Leverage ratio 4.0 5.0 9.93 9.47 9.66 9.17 CET1 capital $ 2,518,875 $ 2,432,518 $ 2,530,580 $ 2,435,962 Tier 1 capital 2,607,141 2,520,784 2,530,580 2,435,962 Total capital 2,969,633 2,898,474 2,737,626 2,638,009 Risk-weighted assets 19,697,147 20,007,236 19,619,786 19,933,429 Average total assets for the leverage ratio 26,264,213 26,621,561 26,209,793 26,563,946 (1) As of June 30, 2024 and December 31, 2023 the minimum ratios as presented were subject to an additional capital conservation buffer of 2.50%

Commitments and Contingencies (

Commitments and Contingencies (Tables)	6 Months Ended
	Jun. 30, 2024
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) June 30, 2024 December 31, 2023 Financial instruments whose contract amounts represent credit risk: Commitments to extend credit $ 3,963,860 $ 4,305,483 Letters of credit 60,743 61,808
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 June 30, 2024 December 31, 2023 Investments in LIHTC: Carrying amount Other assets $ 55,992 $ 48,867 Amount of future funding commitments included in carrying amount Other liabilities 21,270 14,176 Lending exposure Loans and leases held for investment 11,542 803 Renewable energy investments: Carrying amount Other assets 4,333 18,631 Amount of future funding commitments (1) N/A 14,406 14,406 Fintech funds and certain other equity method investments: Carrying amount Other assets 40,157 33,720 Amount of future funding commitments not included in carrying amount N/A 29,295 25,008 (1) Starting in 2024, United no longer records future funding commitments related to its renewable energy investments on the balance sheet. Prior to 2024, these commitments were included in other liabilities. The following table presents a summary of tax credits and amortization expense associated with the United’s tax credit investment activity. Activity related to renewable energy investments was not material to the financials for the period presented. (dollars in thousands) Income Statement Location Three Months Ended Six Months Ended Investments in LIHTC: Income tax credits and other income tax benefits Income tax expense $ (1,997) $ (3,993) Amortization expense Income tax expense 1,736 3,567

Supplemental Cash Flow Inform_3

Supplemental Cash Flow Information (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Significant non-cash investing and financing transactions:
Commitments to fund other investments	$ 9,214	$ 11,093
Acquisitions:
Assets acquired	0	1,903,930
Liabilities assumed	0	1,597,022
Net assets acquired	0	306,908
Common stock issued and options converted	$ 0	$ 306,461

Acquisitions - Narrative (Detai

Acquisitions - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended			6 Months Ended
	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Business Acquisition [Line Items]
Measurement period (in year)		1 year
Goodwill	$ 916,153	$ 921,253	$ 896,718	$ 916,153	$ 896,718	$ 919,914	$ 896,718	$ 751,174
Decrease in other assets		2,060
Decrease in other liabilities		726
Goodwill, period increase		1,340
Merger-related and other charges	2,157		3,645	4,244	12,276
First Miami Bancorp, Inc
Business Acquisition [Line Items]
Other assets		18,800
Other liabilities		16,900
Goodwill		$ 24,500
Goodwill, period increase	$ 0		0	$ 1,339	0
Progress | Merger-related costs
Business Acquisition [Line Items]
Merger-related and other charges			$ 2,290		$ 9,780

Acquisitions - Actual Results a

Acquisitions - Actual Results and Pro Forma Information (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2023
Business Acquisition [Line Items]
Supplemental consolidated pro forma revenue	$ 213,509	$ 443,050
Supplemental consolidated pro forma net income	64,832	140,041
Progress
Business Acquisition [Line Items]
Actual revenue included since acquisition date	17,969	24,621
Actual net income included since acquisition date	$ 3,288	$ 5,098

Investment Securities - Amortiz

Investment Securities - Amortized Cost Basis, Unrealized Gains and Losses and Fair value of HTM Debt Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
HTM debt securities:
Amortized Cost	$ 2,432,941	$ 2,490,848
Gross Unrealized Gains	7	195
Gross Unrealized Losses	428,521	395,423
Fair Value	2,004,427	2,095,620
U.S. Treasuries
HTM debt securities:
Amortized Cost	19,880	19,864
Gross Unrealized Gains	0	0
Gross Unrealized Losses	2,061	1,914
Fair Value	17,819	17,950
U.S. Government agencies & GSEs
HTM debt securities:
Amortized Cost	99,116	99,052
Gross Unrealized Gains	0	0
Gross Unrealized Losses	16,810	15,689
Fair Value	82,306	83,363
State and political subdivisions
HTM debt securities:
Amortized Cost	291,782	292,705
Gross Unrealized Gains	6	171
Gross Unrealized Losses	55,443	50,437
Fair Value	236,345	242,439
Residential MBS, Agency & GSEs
HTM debt securities:
Amortized Cost	1,334,113	1,383,294
Gross Unrealized Gains	1	24
Gross Unrealized Losses	225,151	206,344
Fair Value	1,108,963	1,176,974
Commercial MBS, Agency & GSEs
HTM debt securities:
Amortized Cost	673,050	680,933
Gross Unrealized Gains	0	0
Gross Unrealized Losses	126,281	118,539
Fair Value	546,769	562,394
Supranational entities
HTM debt securities:
Amortized Cost	15,000	15,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	2,775	2,500
Fair Value	$ 12,225	$ 12,500

Investment Securities - Amort_2

Investment Securities - Amortized Cost Basis, Unrealized Gains and Losses and Fair Value of AFS Debt Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
AFS debt securities:
Amortized Cost	$ 3,861,424	$ 3,579,955
Gross Unrealized Gains	1,423	1,750
Gross Unrealized Losses	258,078	250,621
Fair Value	3,604,769	3,331,084
U.S. Treasuries
AFS debt securities:
Amortized Cost	485,422	398,021
Gross Unrealized Gains	126	39
Gross Unrealized Losses	12,884	10,711
Fair Value	472,664	387,349
U.S. Government agencies & GSEs
AFS debt securities:
Amortized Cost	326,837	281,708
Gross Unrealized Gains	334	269
Gross Unrealized Losses	14,764	14,477
Fair Value	312,407	267,500
State and political subdivisions
AFS debt securities:
Amortized Cost	178,603	182,546
Gross Unrealized Gains	0	5
Gross Unrealized Losses	19,068	18,502
Fair Value	159,535	164,049
Residential MBS, Agency & GSEs
AFS debt securities:
Amortized Cost	1,357,700	1,315,064
Gross Unrealized Gains	341	300
Gross Unrealized Losses	132,456	125,012
Fair Value	1,225,585	1,190,352
Residential MBS, Non-agency
AFS debt securities:
Amortized Cost	325,219	339,330
Gross Unrealized Gains	0	0
Gross Unrealized Losses	20,614	22,084
Fair Value	304,605	317,246
Commercial MBS, Agency & GSEs
AFS debt securities:
Amortized Cost	824,489	656,004
Gross Unrealized Gains	306	1,073
Gross Unrealized Losses	39,618	39,017
Fair Value	785,177	618,060
Commercial MBS, Non-agency
AFS debt securities:
Amortized Cost	19,944	24,269
Gross Unrealized Gains	0	0
Gross Unrealized Losses	546	675
Fair Value	19,398	23,594
Corporate bonds
AFS debt securities:
Amortized Cost	211,342	218,285
Gross Unrealized Gains	129	64
Gross Unrealized Losses	17,063	17,127
Fair Value	194,408	201,222
Asset-backed securities
AFS debt securities:
Amortized Cost	131,868	164,728
Gross Unrealized Gains	187	0
Gross Unrealized Losses	1,065	3,016
Fair Value	$ 130,990	$ 161,712

Investment Securities - Narrati

Investment Securities - Narrative (Details)	Jun. 30, 2024 USD ($) security	Dec. 31, 2023 USD ($)
Debt Securities, Available For Sale And Held To Maturity [Line Items]
Number of AFS debt securities in unrealized loss position | security	638
Number of HTM debt securities in unrealized loss position | security	325
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	$ 2,800,000,000	$ 4,120,000,000

Investment Securities - HTM Deb

Investment Securities - HTM Debt Securities in Unrealized Loss Position (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	$ 21,790	$ 9,830
Unrealized Loss, Less than 12 Months	315	130
Fair Value, 12 Months or More	1,981,636	2,062,485
Unrealized Loss, 12 Months or More	428,206	395,293
Fair Value, Total	2,003,426	2,072,315
Unrealized Loss, Total	428,521	395,423
U.S. Treasuries
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	17,819	17,951
Unrealized Loss, 12 Months or More	2,061	1,914
Fair Value, Total	17,819	17,951
Unrealized Loss, Total	2,061	1,914
U.S. Government agencies & GSEs
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	82,306	83,363
Unrealized Loss, 12 Months or More	16,810	15,689
Fair Value, Total	82,306	83,363
Unrealized Loss, Total	16,810	15,689
State and political subdivisions
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	20,385	2,986
Unrealized Loss, Less than 12 Months	301	13
Fair Value, 12 Months or More	215,054	217,547
Unrealized Loss, 12 Months or More	55,142	50,424
Fair Value, Total	235,439	220,533
Unrealized Loss, Total	55,443	50,437
Residential MBS, Agency & GSEs
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	1,405	311
Unrealized Loss, Less than 12 Months	14	2
Fair Value, 12 Months or More	1,107,463	1,175,263
Unrealized Loss, 12 Months or More	225,137	206,342
Fair Value, Total	1,108,868	1,175,574
Unrealized Loss, Total	225,151	206,344
Commercial MBS, Agency & GSEs
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	6,533
Unrealized Loss, Less than 12 Months	0	115
Fair Value, 12 Months or More	546,769	555,861
Unrealized Loss, 12 Months or More	126,281	118,424
Fair Value, Total	546,769	562,394
Unrealized Loss, Total	126,281	118,539
Supranational entities
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	12,225	12,500
Unrealized Loss, 12 Months or More	2,775	2,500
Fair Value, Total	12,225	12,500
Unrealized Loss, Total	$ 2,775	$ 2,500

Investment Securities - AFS Deb

Investment Securities - AFS Debt Securities in Unrealized Loss Position (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	$ 783,834	$ 306,266
Unrealized Loss, Less than 12 Months	4,535	3,515
Fair Value, 12 Months or More	2,490,959	2,587,704
Unrealized Loss, 12 Months or More	253,543	247,106
Fair Value, Total	3,274,793	2,893,970
Unrealized Loss, Total	258,078	250,621
U.S. Treasuries
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	344,223	100,369
Unrealized Loss, Less than 12 Months	2,027	39
Fair Value, 12 Months or More	103,459	103,535
Unrealized Loss, 12 Months or More	10,857	10,672
Fair Value, Total	447,682	203,904
Unrealized Loss, Total	12,884	10,711
U.S. Government agencies & GSEs
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	54,359	41,960
Unrealized Loss, Less than 12 Months	171	141
Fair Value, 12 Months or More	175,057	184,184
Unrealized Loss, 12 Months or More	14,593	14,336
Fair Value, Total	229,416	226,144
Unrealized Loss, Total	14,764	14,477
State and political subdivisions
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	759	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	158,776	163,278
Unrealized Loss, 12 Months or More	19,068	18,502
Fair Value, Total	159,535	163,278
Unrealized Loss, Total	19,068	18,502
Residential MBS, Agency & GSEs
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	77,309	50,014
Unrealized Loss, Less than 12 Months	506	672
Fair Value, 12 Months or More	1,056,295	1,108,290
Unrealized Loss, 12 Months or More	131,950	124,340
Fair Value, Total	1,133,604	1,158,304
Unrealized Loss, Total	132,456	125,012
Residential MBS, Non-agency
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	304,605	317,247
Unrealized Loss, 12 Months or More	20,614	22,084
Fair Value, Total	304,605	317,247
Unrealized Loss, Total	20,614	22,084
Commercial MBS, Agency & GSEs
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	303,535	98,052
Unrealized Loss, Less than 12 Months	1,773	2,494
Fair Value, 12 Months or More	377,126	342,390
Unrealized Loss, 12 Months or More	37,845	36,523
Fair Value, Total	680,661	440,442
Unrealized Loss, Total	39,618	39,017
Commercial MBS, Non-agency
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	19,399	23,594
Unrealized Loss, 12 Months or More	546	675
Fair Value, Total	19,399	23,594
Unrealized Loss, Total	546	675
Corporate bonds
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	1,455	4,016
Unrealized Loss, Less than 12 Months	45	116
Fair Value, 12 Months or More	191,005	195,329
Unrealized Loss, 12 Months or More	17,018	17,011
Fair Value, Total	192,460	199,345
Unrealized Loss, Total	17,063	17,127
Asset-backed securities
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	2,194	11,855
Unrealized Loss, Less than 12 Months	13	53
Fair Value, 12 Months or More	105,237	149,857
Unrealized Loss, 12 Months or More	1,052	2,963
Fair Value, Total	107,431	161,712
Unrealized Loss, Total	$ 1,065	$ 3,016

Investment Securities - Accrued

Investment Securities - Accrued Interest Receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
HTM
Accrued interest receivable
Accrued interest receivable	$ 6,026	$ 6,143
AFS
Accrued interest receivable
Accrued interest receivable	$ 15,443	$ 12,568

Investment Securities - Amort_3

Investment Securities - Amortized Cost and Fair value of AFS and HTM Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	$ 179,716
AFS, Amortized Cost, 1 to 5 years	551,383
AFS, Amortized Cost, 5 to 10 years	242,444
AFS, Amortized Cost, More than 10 years	228,661
AFS, Amortized Cost, Not due at single maturity	2,659,220
Amortized Cost	3,861,424	$ 3,579,955
AFS, Fair Value
AFS, Fair Value, Within 1 year	178,683
AFS, Fair Value, 1 to 5 years	522,032
AFS, Fair Value, 5 to 10 years	221,763
AFS, Fair Value, More than 10 years	216,536
AFS, Fair Value, Not due at single maturity	2,465,755
Fair Value	3,604,769	3,331,084
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	2,701
HTM, Amortized Cost, 1 to 5 years	45,517
HTM, Amortized Cost, 5 to 10 years	143,300
HTM, Amortized Cost, More than 10 years	234,260
HTM, Amortized Cost, Not due at single maturity	2,007,163
Amortized Cost	2,432,941	2,490,848
HTM, Fair Value
HTM, Fair Value, Within 1 year	2,694
HTM, Fair Value, 1 to 5 years	41,758
HTM, Fair Value, 5 to 10 years	120,213
HTM, Fair Value, More than 10 years	184,030
HTM, Fair Value, Not due at single maturity	1,655,732
Fair value	2,004,427	2,095,620
U.S. Treasuries
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	147,717
AFS, Amortized Cost, 1 to 5 years	337,705
Amortized Cost	485,422	398,021
AFS, Fair Value
AFS, Fair Value, Within 1 year	147,487
AFS, Fair Value, 1 to 5 years	325,177
Fair Value	472,664	387,349
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	0
HTM, Amortized Cost, 1 to 5 years	19,880
Amortized Cost	19,880	19,864
HTM, Fair Value
HTM, Fair Value, Within 1 year	0
HTM, Fair Value, 1 to 5 years	17,819
Fair value	17,819	17,950
U.S. Government agencies & GSEs
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	371
AFS, Amortized Cost, 1 to 5 years	49,479
AFS, Amortized Cost, 5 to 10 years	137,192
AFS, Amortized Cost, More than 10 years	139,795
Amortized Cost	326,837	281,708
AFS, Fair Value
AFS, Fair Value, Within 1 year	359
AFS, Fair Value, 1 to 5 years	45,424
AFS, Fair Value, 5 to 10 years	131,259
AFS, Fair Value, More than 10 years	135,365
Fair Value	312,407	267,500
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	72,703
HTM, Amortized Cost, More than 10 years	26,413
Amortized Cost	99,116	99,052
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	61,206
HTM, Fair Value, More than 10 years	21,100
Fair value	82,306	83,363
State and political subdivisions
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	4,084
AFS, Amortized Cost, 1 to 5 years	24,753
AFS, Amortized Cost, 5 to 10 years	61,713
AFS, Amortized Cost, More than 10 years	88,053
Amortized Cost	178,603	182,546
AFS, Fair Value
AFS, Fair Value, Within 1 year	3,994
AFS, Fair Value, 1 to 5 years	22,724
AFS, Fair Value, 5 to 10 years	52,564
AFS, Fair Value, More than 10 years	80,253
Fair Value	159,535	164,049
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	2,701
HTM, Amortized Cost, 1 to 5 years	25,637
HTM, Amortized Cost, 5 to 10 years	55,597
HTM, Amortized Cost, More than 10 years	207,847
Amortized Cost	291,782	292,705
HTM, Fair Value
HTM, Fair Value, Within 1 year	2,694
HTM, Fair Value, 1 to 5 years	23,939
HTM, Fair Value, 5 to 10 years	46,782
HTM, Fair Value, More than 10 years	162,930
Fair value	236,345	242,439
Corporate bonds
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	27,544
AFS, Amortized Cost, 1 to 5 years	139,446
AFS, Amortized Cost, 5 to 10 years	43,539
AFS, Amortized Cost, More than 10 years	813
Amortized Cost	211,342	218,285
AFS, Fair Value
AFS, Fair Value, Within 1 year	26,843
AFS, Fair Value, 1 to 5 years	128,707
AFS, Fair Value, 5 to 10 years	37,940
AFS, Fair Value, More than 10 years	918
Fair Value	194,408	201,222
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	12,225
Fair value	12,225	12,500
Asset-backed securities
AFS, Amortized Cost
AFS, Amortized Cost, Not due at single maturity	131,868
Amortized Cost	131,868	164,728
AFS, Fair Value
AFS, Fair Value, Not due at single maturity	130,990
Fair Value	130,990	$ 161,712
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	1,682,919
AFS, Fair Value
AFS, Fair Value, Not due at single maturity	1,530,190
HTM, Amortized Cost
HTM, Amortized Cost, Not due at single maturity	1,334,113
HTM, Fair Value
HTM, Fair Value, Not due at single maturity	1,108,963
Commercial MBS
AFS, Amortized Cost
AFS, Amortized Cost, Not due at single maturity	844,433
AFS, Fair Value
AFS, Fair Value, Not due at single maturity	804,575
HTM, Amortized Cost
HTM, Amortized Cost, Not due at single maturity	673,050
HTM, Fair Value
HTM, Fair Value, Not due at single maturity	$ 546,769

Investment Securities - AFS Sal

Investment Securities - AFS Sales Activity (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 0	$ 0	$ 647	$ 380,661
Gross realized gains	0	0	0	1,373
Gross realized losses	0	0	0	(3,017)
Securities losses, net	0	0	0	(1,644)
Income tax benefit attributable to sales	$ 0	$ 0	$ 0	$ (374)

Investment Securities - Equity

Investment Securities - Equity Method Investments (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
FHLB Stock	$ 18,009	$ 18,104
FRB Stock	88,007	0
Equity securities with readily determinable fair values	$ 7,703	$ 7,395

Loans and Leases and Allowanc_3

Loans and Leases and Allowance for Credit Losses - Major classifications of loan portfolio (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022
Classifications of loans
Total loans excluding fair value hedge basis adjustment	$ 18,214,946		$ 18,316,862
Fair value hedge basis adjustment	(3,753)		1,893
Total loans	18,211,193		18,318,755
Less ACL - loans	(213,022)	$ (210,934)	(208,071)	$ (190,705)	$ (176,534)	$ (159,357)
Loans and leases, net	17,998,171		18,110,684
Commercial | Owner occupied CRE
Classifications of loans
Total loans excluding fair value hedge basis adjustment	3,296,793		3,264,051
Commercial | Income producing CRE
Classifications of loans
Total loans excluding fair value hedge basis adjustment	4,058,076		4,263,952
Commercial | Commercial & industrial
Classifications of loans
Total loans excluding fair value hedge basis adjustment	2,299,009		2,411,045
Commercial | Commercial construction
Classifications of loans
Total loans excluding fair value hedge basis adjustment	2,013,672		1,859,538
Commercial | Equipment financing
Classifications of loans
Total loans excluding fair value hedge basis adjustment	1,581,336		1,541,120
Residential | Commercial construction
Classifications of loans
Total loans excluding fair value hedge basis adjustment	211,448		301,650
Residential | Residential mortgage
Classifications of loans
Total loans excluding fair value hedge basis adjustment	3,265,818		3,198,928
Residential | Home equity
Classifications of loans
Total loans excluding fair value hedge basis adjustment	984,967		958,987
Residential | Manufactured housing
Classifications of loans
Total loans excluding fair value hedge basis adjustment	320,774		336,474
Consumer
Classifications of loans
Total loans excluding fair value hedge basis adjustment	183,053		181,117
Loans receivable
Classifications of loans
Total loans excluding fair value hedge basis adjustment	18,214,946		18,316,862
Loans receivable | Commercial
Classifications of loans
Total loans excluding fair value hedge basis adjustment	13,248,886		13,339,706
Loans receivable | Commercial | Owner occupied CRE
Classifications of loans
Total loans excluding fair value hedge basis adjustment	3,296,793		3,264,051
Less ACL - loans	(21,787)	(19,658)	(23,542)	(21,788)	(20,831)	(19,834)
Loans receivable | Commercial | Income producing CRE
Classifications of loans
Total loans excluding fair value hedge basis adjustment	4,058,076		4,263,952
Less ACL - loans	(42,894)	(46,798)	(47,755)	(38,775)	(33,607)	(32,082)
Loans receivable | Commercial | Commercial & industrial
Classifications of loans
Total loans excluding fair value hedge basis adjustment	2,299,009		2,411,045
Less ACL - loans	(32,101)	(31,858)	(30,890)	(29,856)	(28,312)	(23,504)
Loans receivable | Commercial | Commercial construction
Classifications of loans
Total loans excluding fair value hedge basis adjustment	2,013,672		1,859,538
Less ACL - loans	(19,617)	(20,023)	(21,741)	(22,276)	(22,073)	(20,120)
Loans receivable | Commercial | Equipment financing
Classifications of loans
Total loans excluding fair value hedge basis adjustment	1,581,336		1,541,120
Less ACL - loans	(45,115)	(39,982)	(33,383)	(28,604)	(26,195)	(23,395)
Loans receivable | Residential | Commercial construction
Classifications of loans
Total loans excluding fair value hedge basis adjustment	211,448		301,650
Less ACL - loans	(1,384)	(1,529)	(1,833)	(3,446)	(2,043)	(2,049)
Loans receivable | Residential | Residential mortgage
Classifications of loans
Total loans excluding fair value hedge basis adjustment	3,265,818		3,198,928
Less ACL - loans	(28,612)	(28,636)	(28,219)	(25,431)	(24,082)	(20,809)
Loans receivable | Residential | Home equity
Classifications of loans
Total loans excluding fair value hedge basis adjustment	984,967		958,987
Less ACL - loans	(9,386)	(9,715)	(9,647)	(10,609)	(10,337)	(8,707)
Loans receivable | Residential | Manufactured housing
Classifications of loans
Total loans excluding fair value hedge basis adjustment	320,774		336,474
Less ACL - loans	(11,522)	(12,044)	(10,339)	(9,204)	(8,424)	(8,098)
Loans receivable | Consumer
Classifications of loans
Total loans excluding fair value hedge basis adjustment	183,053		181,117
Less ACL - loans	$ (604)	$ (691)	$ (722)	$ (716)	$ (630)	$ (759)

Loans and Leases and Allowanc_4

Loans and Leases and Allowance for Credit Losses - Narrative (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2024 USD ($) extension	Jun. 30, 2023	Dec. 31, 2023 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net investment in leases	$ 79,565		$ 68,921
Commercial | Commercial & industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL loans	$ 62,200		48,500
Commercial | Commercial & industrial | Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Extended weighted average maturity	11 months
Commercial | Commercial & industrial | Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Payment deferral period	6 months
Commercial | Income producing CRE | Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Payment deferral period	1 year
Loans receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrued interest receivable	$ 66,800		$ 67,000
Loans receivable | Commercial | Equipment financing | Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of extensions | extension	1
Extension from modification	3 months
Financing receivable, modified, weighted average extension term granted	8 months
Loans receivable | Commercial | Commercial & industrial | Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, excluding accrued interest, loans In bankruptcy status modified during period	$ 22,700
Payment deferral period	3 months
Loans receivable | Commercial | Income producing CRE | Rate Reduction and Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Decrease in the weighted average interest rate		0.57%
Extended weighted average maturity		3 years
Loans receivable | Commercial | Residential Mortgage and Manufactured Housing | Rate Reduction and Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Decrease in the weighted average interest rate		5.76%
Extended weighted average maturity		15 years

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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans sold	$ 26,702	$ 42,643	$ 64,413	$ 83,116
Guaranteed portion of SBA/USDA loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans sold	18,311	22,072	27,699	43,842
Equipment financing receivables
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans sold	$ 8,391	$ 20,571	$ 36,714	$ 39,274

Loans and Leases and Allowanc_6

Loans and Leases and Allowance for Credit Losses - Components of Net Investment in Leases (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Net Investment in Leases
Minimum future lease payments receivable	$ 87,333	$ 75,198
Estimated residual value of leased equipment	4,916	4,445
Initial direct costs	1,664	1,402
Security deposits	(448)	(413)
Unearned income	(13,900)	(11,711)
Net investment in leases	$ 79,565	$ 68,921

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	Jun. 30, 2024 USD ($)
Minimum future lease payments expected to be received
Remainder of 2024	$ 15,001
2025	27,016
2026	21,080
2027	15,187
2028	7,809
Thereafter	1,240
Total	$ 87,333

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	Jun. 30, 2024	Dec. 31, 2023
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	$ 18,214,946	$ 18,316,862
Commercial | Owner occupied CRE
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	3,296,793	3,264,051
Commercial | Income producing CRE
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	4,058,076	4,263,952
Commercial | Commercial & industrial
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	2,299,009	2,411,045
Commercial | Commercial construction
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	2,013,672	1,859,538
Commercial | Equipment financing
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	1,581,336	1,541,120
Residential | Commercial construction
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	211,448	301,650
Residential | Residential mortgage
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	3,265,818	3,198,928
Residential | Home equity
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	984,967	958,987
Residential | Manufactured housing
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	320,774	336,474
Consumer
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	183,053	181,117
Loans receivable
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	18,214,946	18,316,862
Nonaccrual Loans	114,478	91,687
Loans receivable | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	18,053,145	18,171,292
Loans receivable | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	33,512	43,941
Loans receivable | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	13,810	9,942
Loans receivable | Loans Past Due, > 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	1	0
Loans receivable | Commercial
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	13,248,886	13,339,706
Nonaccrual Loans	71,635	57,072
Loans receivable | Commercial | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	13,155,025	13,256,853
Loans receivable | Commercial | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	13,884	20,650
Loans receivable | Commercial | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	8,342	5,131
Loans receivable | Commercial | Loans Past Due, > 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Commercial | Owner occupied CRE
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	3,296,793	3,264,051
Nonaccrual Loans	4,820	3,094
Loans receivable | Commercial | Owner occupied CRE | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	3,286,682	3,258,015
Loans receivable | Commercial | Owner occupied CRE | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	3,687	2,942
Loans receivable | Commercial | Owner occupied CRE | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	1,604	0
Loans receivable | Commercial | Owner occupied CRE | Loans Past Due, > 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Commercial | Income producing CRE
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	4,058,076	4,263,952
Nonaccrual Loans	34,285	30,128
Loans receivable | Commercial | Income producing CRE | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	4,022,552	4,230,140
Loans receivable | Commercial | Income producing CRE | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	533	3,684
Loans receivable | Commercial | Income producing CRE | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	706	0
Loans receivable | Commercial | Income producing CRE | Loans Past Due, > 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Commercial | Commercial & industrial
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	2,299,009	2,411,045
Nonaccrual Loans	17,335	13,467
Loans receivable | Commercial | Commercial & industrial | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	2,274,054	2,388,076
Loans receivable | Commercial | Commercial & industrial | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	6,911	8,129
Loans receivable | Commercial | Commercial & industrial | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	709	1,373
Loans receivable | Commercial | Commercial & industrial | Loans Past Due, > 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Commercial | Commercial construction
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	2,013,672	1,859,538
Nonaccrual Loans	6,854	1,878
Loans receivable | Commercial | Commercial construction | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	2,005,634	1,857,660
Loans receivable | Commercial | Commercial construction | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	15	0
Loans receivable | Commercial | Commercial construction | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	1,169	0
Loans receivable | Commercial | Commercial construction | Loans Past Due, > 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Commercial | Equipment financing
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	1,581,336	1,541,120
Nonaccrual Loans	8,341	8,505
Loans receivable | Commercial | Equipment financing | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	1,566,103	1,522,962
Loans receivable | Commercial | Equipment financing | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	2,738	5,895
Loans receivable | Commercial | Equipment financing | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	4,154	3,758
Loans receivable | Commercial | Equipment financing | Loans Past Due, > 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Residential | Commercial construction
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	211,448	301,650
Nonaccrual Loans	163	944
Loans receivable | Residential | Commercial construction | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	211,172	299,230
Loans receivable | Residential | Commercial construction | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	69	1,255
Loans receivable | Residential | Commercial construction | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	44	221
Loans receivable | Residential | Commercial construction | Loans Past Due, > 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Residential | Residential mortgage
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	3,265,818	3,198,928
Nonaccrual Loans	18,473	13,944
Loans receivable | Residential | Residential mortgage | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	3,238,637	3,179,329
Loans receivable | Residential | Residential mortgage | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	6,386	4,622
Loans receivable | Residential | Residential mortgage | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	2,322	1,033
Loans receivable | Residential | Residential mortgage | Loans Past Due, > 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Residential | Home equity
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	984,967	958,987
Nonaccrual Loans	3,779	3,772
Loans receivable | Residential | Home equity | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	978,546	950,841
Loans receivable | Residential | Home equity | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	2,184	4,106
Loans receivable | Residential | Home equity | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	457	268
Loans receivable | Residential | Home equity | Loans Past Due, > 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	1	0
Loans receivable | Residential | Manufactured housing
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	320,774	336,474
Nonaccrual Loans	20,356	15,861
Loans receivable | Residential | Manufactured housing | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	287,621	304,794
Loans receivable | Residential | Manufactured housing | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	10,242	12,622
Loans receivable | Residential | Manufactured housing | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	2,555	3,197
Loans receivable | Residential | Manufactured housing | Loans Past Due, > 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable | Consumer
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	183,053	181,117
Nonaccrual Loans	72	94
Loans receivable | Consumer | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	182,144	180,245
Loans receivable | Consumer | Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	747	686
Loans receivable | Consumer | Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans excluding fair value hedge basis adjustment	90	92
Loans receivable | Consumer | Loans Past Due, > 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	$ 0	$ 0

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	Jun. 30, 2024	Dec. 31, 2023
Nonaccrual loans
Nonaccrual loans with no allowance	$ 39,186	$ 30,747
Nonaccrual loans with an allowance	75,292	60,940
Nonaccrual loans	114,478	91,687
Commercial
Nonaccrual loans
Nonaccrual loans with no allowance	37,096	27,235
Nonaccrual loans with an allowance	34,539	29,837
Nonaccrual loans	71,635	57,072
Commercial | Owner occupied CRE
Nonaccrual loans
Nonaccrual loans with no allowance	3,667	2,451
Nonaccrual loans with an allowance	1,153	643
Nonaccrual loans	4,820	3,094
Commercial | Income producing CRE
Nonaccrual loans
Nonaccrual loans with no allowance	18,404	11,003
Nonaccrual loans with an allowance	15,881	19,125
Nonaccrual loans	34,285	30,128
Commercial | Commercial & industrial
Nonaccrual loans
Nonaccrual loans with no allowance	10,153	11,940
Nonaccrual loans with an allowance	7,182	1,527
Nonaccrual loans	17,335	13,467
Commercial | Commercial construction
Nonaccrual loans
Nonaccrual loans with no allowance	4,834	1,784
Nonaccrual loans with an allowance	2,020	94
Nonaccrual loans	6,854	1,878
Commercial | Equipment financing
Nonaccrual loans
Nonaccrual loans with no allowance	38	57
Nonaccrual loans with an allowance	8,303	8,448
Nonaccrual loans	8,341	8,505
Residential | Commercial construction
Nonaccrual loans
Nonaccrual loans with no allowance	114	398
Nonaccrual loans with an allowance	49	546
Nonaccrual loans	163	944
Residential | Residential mortgage
Nonaccrual loans
Nonaccrual loans with no allowance	1,630	1,836
Nonaccrual loans with an allowance	16,843	12,108
Nonaccrual loans	18,473	13,944
Residential | Home equity
Nonaccrual loans
Nonaccrual loans with no allowance	344	1,276
Nonaccrual loans with an allowance	3,435	2,496
Nonaccrual loans	3,779	3,772
Residential | Manufactured housing
Nonaccrual loans
Nonaccrual loans with no allowance	0	0
Nonaccrual loans with an allowance	20,356	15,861
Nonaccrual loans	20,356	15,861
Consumer
Nonaccrual loans
Nonaccrual loans with no allowance	2	2
Nonaccrual loans with an allowance	70	92
Nonaccrual loans	$ 72	$ 94

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		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans excluding fair value hedge basis adjustment	$ 18,214,946		$ 18,214,946		$ 18,316,862
Current period gross charge-offs, Total	15,601	$ 12,172	31,010	$ 21,696
Commercial | Owner occupied CRE
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	206,650		206,650		597,506
Originated in prior year	577,046		577,046		670,650
Originated two years prior	667,004		667,004		639,052
Originated three years prior	619,833		619,833		594,379
Originated four years prior	550,037		550,037		242,342
Originated five or more years prior	534,051		534,051		379,776
Revolvers	121,715		121,715		118,733
Revolvers converted to term loans	20,457		20,457		21,613
Total loans excluding fair value hedge basis adjustment	3,296,793		3,296,793		3,264,051
Current period gross charge-offs, in current fiscal year			0		0
Current period gross charge-offs, in prior year			0		48
Current period gross charge-offs, two years prior			221		0
Current period gross charge-offs, three years prior			0		819
Current period gross charge-offs, four years prior			0		0
Current period gross charge-offs, five or more years prior			580		207
Revolvers			0		0
Revolvers converted to term loans			0		0
Current period gross charge-offs, Total			801		1,074
Commercial | Owner occupied CRE | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	203,509		203,509		592,932
Originated in prior year	571,318		571,318		654,845
Originated two years prior	636,763		636,763		618,811
Originated three years prior	600,078		600,078		577,916
Originated four years prior	533,462		533,462		224,684
Originated five or more years prior	508,040		508,040		364,579
Revolvers	117,945		117,945		117,212
Revolvers converted to term loans	17,714		17,714		18,671
Total loans excluding fair value hedge basis adjustment	3,188,829		3,188,829		3,169,650
Commercial | Owner occupied CRE | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	730		730		1,308
Originated in prior year	5,441		5,441		7,768
Originated two years prior	17,339		17,339		4,266
Originated three years prior	13,231		13,231		4,919
Originated four years prior	10,021		10,021		9,221
Originated five or more years prior	8,593		8,593		6,155
Revolvers	2,480		2,480		100
Revolvers converted to term loans	2,743		2,743		254
Total loans excluding fair value hedge basis adjustment	60,578		60,578		33,991
Commercial | Owner occupied CRE | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	2,411		2,411		3,266
Originated in prior year	287		287		8,037
Originated two years prior	12,902		12,902		15,975
Originated three years prior	6,524		6,524		11,544
Originated four years prior	6,554		6,554		8,437
Originated five or more years prior	17,418		17,418		9,042
Revolvers	1,290		1,290		1,421
Revolvers converted to term loans	0		0		2,688
Total loans excluding fair value hedge basis adjustment	47,386		47,386		60,410
Commercial | Income producing CRE
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	191,022		191,022		504,135
Originated in prior year	462,494		462,494		946,049
Originated two years prior	905,182		905,182		888,640
Originated three years prior	825,664		825,664		826,796
Originated four years prior	736,751		736,751		425,493
Originated five or more years prior	877,027		877,027		608,879
Revolvers	47,546		47,546		50,659
Revolvers converted to term loans	12,390		12,390		13,301
Total loans excluding fair value hedge basis adjustment	4,058,076		4,058,076		4,263,952
Current period gross charge-offs, in current fiscal year			0		0
Current period gross charge-offs, in prior year			3,129		2,534
Current period gross charge-offs, two years prior			0		0
Current period gross charge-offs, three years prior			0		0
Current period gross charge-offs, four years prior			0		0
Current period gross charge-offs, five or more years prior			229		5,324
Revolvers			0		0
Revolvers converted to term loans			0		0
Current period gross charge-offs, Total			3,358		7,858
Commercial | Income producing CRE | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	150,897		150,897		464,979
Originated in prior year	416,384		416,384		904,015
Originated two years prior	865,687		865,687		863,308
Originated three years prior	821,078		821,078		795,143
Originated four years prior	704,597		704,597		362,139
Originated five or more years prior	753,181		753,181		526,968
Revolvers	47,497		47,497		50,659
Revolvers converted to term loans	12,390		12,390		13,247
Total loans excluding fair value hedge basis adjustment	3,771,711		3,771,711		3,980,458
Commercial | Income producing CRE | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	27,151		27,151		7,626
Originated in prior year	2,387		2,387		31,993
Originated two years prior	29,031		29,031		18,989
Originated three years prior	3,494		3,494		26,217
Originated four years prior	9,393		9,393		19,904
Originated five or more years prior	24,853		24,853		27,893
Revolvers	49		49		0
Revolvers converted to term loans	0		0		0
Total loans excluding fair value hedge basis adjustment	96,358		96,358		132,622
Commercial | Income producing CRE | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	12,974		12,974		31,530
Originated in prior year	43,723		43,723		10,041
Originated two years prior	10,464		10,464		6,343
Originated three years prior	1,092		1,092		5,436
Originated four years prior	22,761		22,761		43,450
Originated five or more years prior	98,993		98,993		54,018
Revolvers	0		0		0
Revolvers converted to term loans	0		0		54
Total loans excluding fair value hedge basis adjustment	190,007		190,007		150,872
Commercial | Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	228,590		228,590		581,571
Originated in prior year	504,802		504,802		441,433
Originated two years prior	356,876		356,876		305,576
Originated three years prior	262,487		262,487		153,837
Originated four years prior	144,978		144,978		97,227
Originated five or more years prior	228,945		228,945		173,466
Revolvers	561,515		561,515		643,014
Revolvers converted to term loans	10,816		10,816		14,921
Total loans excluding fair value hedge basis adjustment	2,299,009		2,299,009		2,411,045
Current period gross charge-offs, in current fiscal year			0		5,430
Current period gross charge-offs, in prior year			1,972		1,462
Current period gross charge-offs, two years prior			1,949		13,271
Current period gross charge-offs, three years prior			1,203		2,477
Current period gross charge-offs, four years prior			436		787
Current period gross charge-offs, five or more years prior			1,044		286
Revolvers			0		0
Revolvers converted to term loans			1,466		1,825
Current period gross charge-offs, Total			8,070		25,538
Commercial | Commercial & industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	204,233		204,233		573,391
Originated in prior year	472,293		472,293		431,962
Originated two years prior	348,857		348,857		280,372
Originated three years prior	245,826		245,826		136,975
Originated four years prior	137,009		137,009		86,300
Originated five or more years prior	219,709		219,709		169,570
Revolvers	512,033		512,033		581,871
Revolvers converted to term loans	7,975		7,975		13,332
Total loans excluding fair value hedge basis adjustment	2,147,935		2,147,935		2,273,773
Commercial | Commercial & industrial | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	23,454		23,454		2,908
Originated in prior year	17,090		17,090		4,449
Originated two years prior	1,916		1,916		1,642
Originated three years prior	1,817		1,817		5,430
Originated four years prior	2,686		2,686		5,473
Originated five or more years prior	1,203		1,203		718
Revolvers	26,586		26,586		14,861
Revolvers converted to term loans	1,776		1,776		274
Total loans excluding fair value hedge basis adjustment	76,528		76,528		35,755
Commercial | Commercial & industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	903		903		5,272
Originated in prior year	15,419		15,419		5,022
Originated two years prior	6,103		6,103		23,562
Originated three years prior	14,844		14,844		11,432
Originated four years prior	5,283		5,283		5,454
Originated five or more years prior	8,033		8,033		3,178
Revolvers	22,896		22,896		46,282
Revolvers converted to term loans	1,065		1,065		1,315
Total loans excluding fair value hedge basis adjustment	74,546		74,546		101,517
Commercial | Commercial construction
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	235,240		235,240		527,097
Originated in prior year	522,241		522,241		649,924
Originated two years prior	679,477		679,477		406,982
Originated three years prior	360,929		360,929		116,261
Originated four years prior	74,242		74,242		66,830
Originated five or more years prior	77,672		77,672		29,108
Revolvers	61,697		61,697		62,370
Revolvers converted to term loans	2,174		2,174		966
Total loans excluding fair value hedge basis adjustment	2,013,672		2,013,672		1,859,538
Current period gross charge-offs, in current fiscal year			0		0
Current period gross charge-offs, in prior year			0		60
Current period gross charge-offs, two years prior			53		0
Current period gross charge-offs, three years prior			0		0
Current period gross charge-offs, four years prior			0		0
Current period gross charge-offs, five or more years prior			0		0
Revolvers			0		0
Revolvers converted to term loans			0		0
Current period gross charge-offs, Total			53		60
Commercial | Commercial construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	228,487		228,487		525,988
Originated in prior year	518,348		518,348		647,516
Originated two years prior	676,319		676,319		396,958
Originated three years prior	360,532		360,532		111,045
Originated four years prior	73,221		73,221		66,635
Originated five or more years prior	77,321		77,321		28,902
Revolvers	59,765		59,765		62,370
Revolvers converted to term loans	2,174		2,174		966
Total loans excluding fair value hedge basis adjustment	1,996,167		1,996,167		1,840,380
Commercial | Commercial construction | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	4,850		4,850		0
Originated in prior year	172		172		0
Originated two years prior	529		529		6
Originated three years prior	2		2		28
Originated four years prior	0		0		0
Originated five or more years prior	112		112		124
Revolvers	1,932		1,932		0
Revolvers converted to term loans	0		0		0
Total loans excluding fair value hedge basis adjustment	7,597		7,597		158
Commercial | Commercial construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	1,903		1,903		1,109
Originated in prior year	3,721		3,721		2,408
Originated two years prior	2,629		2,629		10,018
Originated three years prior	395		395		5,188
Originated four years prior	1,021		1,021		195
Originated five or more years prior	239		239		82
Revolvers	0		0		0
Revolvers converted to term loans	0		0		0
Total loans excluding fair value hedge basis adjustment	9,908		9,908		19,000
Commercial | Equipment financing
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	367,369		367,369		674,672
Originated in prior year	537,451		537,451		500,477
Originated two years prior	413,406		413,406		235,909
Originated three years prior	177,374		177,374		84,467
Originated four years prior	57,908		57,908		41,870
Originated five or more years prior	27,828		27,828		3,725
Revolvers	0		0		0
Revolvers converted to term loans	0		0		0
Total loans excluding fair value hedge basis adjustment	1,581,336		1,581,336		1,541,120
Current period gross charge-offs, in current fiscal year			0		474
Current period gross charge-offs, in prior year			2,728		10,902
Current period gross charge-offs, two years prior			6,739		9,764
Current period gross charge-offs, three years prior			3,684		1,960
Current period gross charge-offs, four years prior			611		786
Current period gross charge-offs, five or more years prior			131		320
Revolvers			0		0
Revolvers converted to term loans			0		0
Current period gross charge-offs, Total			13,893		24,206
Commercial | Equipment financing | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	367,197		367,197		673,201
Originated in prior year	535,699		535,699		496,336
Originated two years prior	408,606		408,606		233,422
Originated three years prior	172,520		172,520		83,507
Originated four years prior	56,633		56,633		41,053
Originated five or more years prior	26,425		26,425		3,722
Revolvers	0		0		0
Revolvers converted to term loans	0		0		0
Total loans excluding fair value hedge basis adjustment	1,567,080		1,567,080		1,531,241
Commercial | Equipment financing | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	172		172
Originated in prior year	1,752		1,752
Originated two years prior	4,036		4,036
Originated three years prior	2,644		2,644
Originated four years prior	438		438
Originated five or more years prior	787		787
Revolvers	0		0
Revolvers converted to term loans	0		0
Total loans excluding fair value hedge basis adjustment	9,829		9,829
Commercial | Equipment financing | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0		0		1,471
Originated in prior year	0		0		4,141
Originated two years prior	764		764		2,487
Originated three years prior	2,210		2,210		960
Originated four years prior	837		837		817
Originated five or more years prior	616		616		3
Revolvers	0		0		0
Revolvers converted to term loans	0		0		0
Total loans excluding fair value hedge basis adjustment	4,427		4,427		9,879
Residential | Commercial construction
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	24,353		24,353		93,007
Originated in prior year	98,195		98,195		154,111
Originated two years prior	63,121		63,121		42,386
Originated three years prior	15,051		15,051		5,207
Originated four years prior	4,784		4,784		1,046
Originated five or more years prior	5,853		5,853		5,800
Revolvers	0		0		0
Revolvers converted to term loans	91		91		93
Total loans excluding fair value hedge basis adjustment	211,448		211,448		301,650
Current period gross charge-offs, in current fiscal year			0		0
Current period gross charge-offs, in prior year			141		1,111
Current period gross charge-offs, two years prior			0		0
Current period gross charge-offs, three years prior			48		0
Current period gross charge-offs, four years prior			0		0
Current period gross charge-offs, five or more years prior			0		0
Revolvers			0		0
Revolvers converted to term loans			0		0
Current period gross charge-offs, Total			189		1,111
Residential | Commercial construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	24,353		24,353		92,490
Originated in prior year	98,195		98,195		153,868
Originated two years prior	62,977		62,977		42,237
Originated three years prior	15,051		15,051		5,201
Originated four years prior	4,778		4,778		1,046
Originated five or more years prior	5,748		5,748		5,655
Revolvers	0		0		0
Revolvers converted to term loans	91		91		93
Total loans excluding fair value hedge basis adjustment	211,193		211,193		300,590
Residential | Commercial construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0		0		517
Originated in prior year	0		0		243
Originated two years prior	144		144		149
Originated three years prior	0		0		6
Originated four years prior	6		6		0
Originated five or more years prior	105		105		145
Revolvers	0		0		0
Revolvers converted to term loans	0		0		0
Total loans excluding fair value hedge basis adjustment	255		255		1,060
Residential | Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	61,233		61,233		321,084
Originated in prior year	323,269		323,269		978,537
Originated two years prior	1,036,989		1,036,989		1,034,362
Originated three years prior	1,030,797		1,030,797		441,176
Originated four years prior	422,489		422,489		132,369
Originated five or more years prior	387,674		387,674		287,731
Revolvers	6		6		6
Revolvers converted to term loans	3,361		3,361		3,663
Total loans excluding fair value hedge basis adjustment	3,265,818		3,265,818		3,198,928
Current period gross charge-offs, in current fiscal year			0		0
Current period gross charge-offs, in prior year			0		51
Current period gross charge-offs, two years prior			13		0
Current period gross charge-offs, three years prior			1		0
Current period gross charge-offs, four years prior			0		0
Current period gross charge-offs, five or more years prior			8		38
Revolvers			0		0
Revolvers converted to term loans			0		0
Current period gross charge-offs, Total			22		89
Residential | Residential mortgage | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	59,264		59,264		319,604
Originated in prior year	320,686		320,686		975,957
Originated two years prior	1,032,241		1,032,241		1,032,182
Originated three years prior	1,028,897		1,028,897		440,287
Originated four years prior	420,718		420,718		130,378
Originated five or more years prior	377,977		377,977		280,357
Revolvers	6		6		6
Revolvers converted to term loans	3,091		3,091		3,415
Total loans excluding fair value hedge basis adjustment	3,242,880		3,242,880		3,182,186
Residential | Residential mortgage | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	1,969		1,969		1,480
Originated in prior year	2,583		2,583		2,580
Originated two years prior	4,748		4,748		2,180
Originated three years prior	1,900		1,900		889
Originated four years prior	1,771		1,771		1,991
Originated five or more years prior	9,697		9,697		7,374
Revolvers	0		0		0
Revolvers converted to term loans	270		270		248
Total loans excluding fair value hedge basis adjustment	22,938		22,938		16,742
Residential | Home equity
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	952,634		952,634		926,596
Revolvers converted to term loans	32,333		32,333		32,391
Total loans excluding fair value hedge basis adjustment	984,967		984,967		958,987
Current period gross charge-offs, in current fiscal year			0		0
Current period gross charge-offs, in prior year			0		0
Current period gross charge-offs, two years prior			0		0
Current period gross charge-offs, three years prior			0		0
Current period gross charge-offs, four years prior			0		0
Current period gross charge-offs, five or more years prior			0		0
Revolvers			0		0
Revolvers converted to term loans			7		167
Current period gross charge-offs, Total			7		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	952,634		952,634		926,596
Revolvers converted to term loans	28,093		28,093		28,412
Total loans excluding fair value hedge basis adjustment	980,727		980,727		955,008
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	0		0		0
Revolvers converted to term loans	4,240		4,240		3,979
Total loans excluding fair value hedge basis adjustment	4,240		4,240		3,979
Residential | Manufactured housing
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	126		126		46,143
Originated in prior year	44,537		44,537		74,071
Originated two years prior	70,731		70,731		52,384
Originated three years prior	50,592		50,592		46,755
Originated four years prior	44,850		44,850		32,603
Originated five or more years prior	109,938		109,938		84,518
Revolvers	0		0		0
Revolvers converted to term loans	0		0		0
Total loans excluding fair value hedge basis adjustment	320,774		320,774		336,474
Current period gross charge-offs, in current fiscal year			0		38
Current period gross charge-offs, in prior year			491		1,503
Current period gross charge-offs, two years prior			1,099		985
Current period gross charge-offs, three years prior			377		419
Current period gross charge-offs, four years prior			406		279
Current period gross charge-offs, five or more years prior			467		690
Revolvers			0		0
Revolvers converted to term loans			0		0
Current period gross charge-offs, Total			2,840		3,914
Residential | Manufactured housing | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0		0		45,065
Originated in prior year	42,377		42,377		69,424
Originated two years prior	65,869		65,869		48,814
Originated three years prior	46,715		46,715		43,735
Originated four years prior	40,841		40,841		31,321
Originated five or more years prior	103,113		103,113		80,284
Revolvers	0		0		0
Revolvers converted to term loans	0		0		0
Total loans excluding fair value hedge basis adjustment	298,915		298,915		318,643
Residential | Manufactured housing | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	126		126		1,078
Originated in prior year	2,160		2,160		4,647
Originated two years prior	4,862		4,862		3,570
Originated three years prior	3,877		3,877		3,020
Originated four years prior	4,009		4,009		1,282
Originated five or more years prior	6,825		6,825		4,234
Revolvers	0		0		0
Revolvers converted to term loans	0		0		0
Total loans excluding fair value hedge basis adjustment	21,859		21,859		17,831
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	53,462		53,462		86,099
Originated in prior year	59,057		59,057		39,516
Originated two years prior	28,895		28,895		16,422
Originated three years prior	11,288		11,288		10,375
Originated four years prior	8,712		8,712		1,219
Originated five or more years prior	978		978		681
Revolvers	20,214		20,214		26,271
Revolvers converted to term loans	447		447		534
Total loans excluding fair value hedge basis adjustment	183,053		183,053		181,117
Current period gross charge-offs, in current fiscal year			1,403		3,245
Current period gross charge-offs, in prior year			166		241
Current period gross charge-offs, two years prior			96		233
Current period gross charge-offs, three years prior			25		38
Current period gross charge-offs, four years prior			9		15
Current period gross charge-offs, five or more years prior			0		1
Revolvers			0		5
Revolvers converted to term loans			78		204
Current period gross charge-offs, Total			1,777		3,982
Consumer | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	53,462		53,462		86,049
Originated in prior year	59,035		59,035		39,461
Originated two years prior	28,837		28,837		16,369
Originated three years prior	11,233		11,233		10,350
Originated four years prior	8,692		8,692		1,214
Originated five or more years prior	971		971		668
Revolvers	20,214		20,214		26,239
Revolvers converted to term loans	447		447		534
Total loans excluding fair value hedge basis adjustment	182,891		182,891		180,884
Consumer | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0		0		50
Originated in prior year	22		22		55
Originated two years prior	58		58		53
Originated three years prior	55		55		25
Originated four years prior	20		20		5
Originated five or more years prior	7		7		13
Revolvers	0		0		32
Revolvers converted to term loans	0		0		0
Total loans excluding fair value hedge basis adjustment	$ 162		$ 162		$ 233

Loans and Leases and Allowan_11

Loans and Leases and Allowance for Credit Losses - Modifications to Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 65,263
Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	23,507
Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	29,604
Payment Delay & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	4,863
Rate Reduction and Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	2,095
Rate Reduction and Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	1,554
Rate Reduction, Payment Delay and Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	2,749
Commercial | Owner occupied CRE | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 198
Extended weighted average maturity	6 months
Commercial | Owner occupied CRE | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 896
Payment deferral period	4 months
Commercial | Owner occupied CRE | Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Decrease in the weighted average interest rate	0.75%
Commercial | Owner occupied CRE | Rate Reduction and Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 1,439
Payment deferral period	6 months
Decrease in the weighted average interest rate	0.75%
Commercial | Owner occupied CRE | Rate Reduction, Payment Delay and Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 164
Commercial | Owner occupied CRE | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Payment deferral period	6 months
Commercial | Owner occupied CRE | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Extended weighted average maturity	3 years
Commercial | Income producing CRE | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 28,553
Payment deferral period	1 year
Commercial | Commercial & industrial | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 23,284
Extended weighted average maturity	11 months
Commercial | Commercial & industrial | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 155
Payment deferral period	6 months
Commercial | Commercial & industrial | Payment Delay & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 573
Commercial | Commercial & industrial | Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 891
Decrease in the weighted average interest rate	0.50%
Commercial | Commercial & industrial | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Extended weighted average maturity	3 years
Commercial | Commercial & industrial | Rate Reduction and Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 115
Payment deferral period	6 months
Decrease in the weighted average interest rate	1.50%
Commercial | Commercial & industrial | Rate Reduction, Payment Delay and Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 2,585
Commercial | Commercial & industrial | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Payment deferral period	4 months
Commercial | Commercial & industrial | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Payment deferral period	6 months
Commercial | Commercial & industrial | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Extended weighted average maturity	4 years 6 months
Commercial | Commercial & industrial | Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Decrease in the weighted average interest rate	2.67%
Commercial | Equipment financing | Payment Delay & Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 4,290
Extended weighted average maturity	8 months
Residential | Residential mortgage | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 25
Extended weighted average maturity	1 year
Residential | Residential mortgage | Rate Reduction and Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 1,969
Extended weighted average maturity	2 years 7 months 6 days
Decrease in the weighted average interest rate	4.71%
Residential | Manufactured housing | Rate Reduction and Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 126
Extended weighted average maturity	6 years
Decrease in the weighted average interest rate	6.24%
Loans receivable
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 65,263	$ 100,590
% of Total Class of Receivable	0.40%	0.60%
Defaults within 12 months of modification	$ 284	$ 0
Loans receivable | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		48,982
Loans receivable | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		29,517
Loans receivable | Rate Reduction and Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		22,091
Loans receivable | Commercial | Owner occupied CRE
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 2,697
% of Total Class of Receivable	0.10%
Defaults within 12 months of modification	$ 0
Loans receivable | Commercial | Income producing CRE
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 28,553	$ 59,340
% of Total Class of Receivable	0.70%	1.60%
Defaults within 12 months of modification	$ 0	$ 0
Loans receivable | Commercial | Income producing CRE | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		38,138
Loans receivable | Commercial | Income producing CRE | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		0
Loans receivable | Commercial | Income producing CRE | Rate Reduction and Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		$ 21,202
Extended weighted average maturity		3 years
Decrease in the weighted average interest rate		0.57%
Loans receivable | Commercial | Commercial & industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 27,603	$ 32,235
% of Total Class of Receivable	1.20%	1.30%
Defaults within 12 months of modification	$ 0	$ 0
Loans receivable | Commercial | Commercial & industrial | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		2,718
Loans receivable | Commercial | Commercial & industrial | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		29,517
Payment deferral period	3 months
Loans receivable | Commercial | Commercial & industrial | Rate Reduction and Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		0
Loans receivable | Commercial | Equipment financing
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 4,290	$ 8,069
% of Total Class of Receivable	0.30%	0.50%
Defaults within 12 months of modification	$ 284	$ 0
Loans receivable | Commercial | Equipment financing | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		8,069
Loans receivable | Commercial | Equipment financing | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		0
Loans receivable | Commercial | Equipment financing | Rate Reduction and Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		0
Loans receivable | Residential | Residential mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 1,994	$ 687
% of Total Class of Receivable	0.10%	0%
Defaults within 12 months of modification	$ 0	$ 0
Loans receivable | Residential | Residential mortgage | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		57
Loans receivable | Residential | Residential mortgage | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		0
Loans receivable | Residential | Residential mortgage | Rate Reduction and Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		630
Loans receivable | Residential | Manufactured housing
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 126	$ 259
% of Total Class of Receivable	0%	0.10%
Defaults within 12 months of modification	$ 0	$ 0
Loans receivable | Residential | Manufactured housing | Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		0
Loans receivable | Residential | Manufactured housing | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		0
Loans receivable | Residential | Manufactured housing | Rate Reduction and Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost		$ 259

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		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
ACL
ACL - loans, Beginning Balance	$ 210,934	$ 176,534	$ 208,071	$ 159,357	$ 159,357
ACL- loans, Initial ACL - PCD loans				2,704
ACL - loans, Charge-Offs	(15,601)	(12,172)	(31,010)	(21,696)
ACL - loans, Recoveries	3,987	3,773	6,488	6,213
ACL - loans, (Release) Provision	13,702	22,570	29,473	44,127
ACL - loans, Ending Balance	213,022	190,705	213,022	190,705	208,071
ACL - unfunded commitments, Beginning Balance	13,185	21,389	16,057	21,163	21,163
ACL - unfunded commitments, Provision	(1,467)	183	(4,339)	409
ACL - unfunded commitments, Ending Balance	11,718	21,572	11,718	21,572	16,057
Total ACL, Beginning Balance	224,119	197,923	224,128	180,520	180,520
Total ACL, Initial ACL - PCD loans				2,704
Total ACL, Charge-Offs	(15,601)	(12,172)	(31,010)	(21,696)
Total ACL, Recoveries	3,987	3,773	6,488	6,213
Total ACL, (Release) Provision	12,235	22,753	25,134	44,536
Total ACL, Ending Balance	224,740	212,277	224,740	212,277	224,128
Commercial | Owner occupied CRE
ACL
ACL - loans, Charge-Offs			(801)		(1,074)
Commercial | Income producing CRE
ACL
ACL - loans, Charge-Offs			(3,358)		(7,858)
Commercial | Commercial & industrial
ACL
ACL - loans, Charge-Offs			(8,070)		(25,538)
Commercial | Commercial construction
ACL
ACL - loans, Charge-Offs			(53)		(60)
Commercial | Equipment financing
ACL
ACL - loans, Charge-Offs			(13,893)		(24,206)
Residential | Commercial construction
ACL
ACL - loans, Charge-Offs			(189)		(1,111)
Residential | Residential mortgage
ACL
ACL - loans, Charge-Offs			(22)		(89)
Residential | Home equity
ACL
ACL - loans, Charge-Offs			(7)		(167)
Residential | Manufactured housing
ACL
ACL - loans, Charge-Offs			(2,840)		(3,914)
Consumer
ACL
ACL - loans, Charge-Offs			(1,777)		(3,982)
Loans receivable | Commercial | Owner occupied CRE
ACL
ACL - loans, Beginning Balance	19,658	20,831	23,542	19,834	19,834
ACL- loans, Initial ACL - PCD loans				181
ACL - loans, Charge-Offs	(373)	0	(801)	(207)
ACL - loans, Recoveries	210	205	436	322
ACL - loans, (Release) Provision	2,292	752	(1,390)	1,658
ACL - loans, Ending Balance	21,787	21,788	21,787	21,788	23,542
Loans receivable | Commercial | Income producing CRE
ACL
ACL - loans, Beginning Balance	46,798	33,607	47,755	32,082	32,082
ACL- loans, Initial ACL - PCD loans				307
ACL - loans, Charge-Offs	(3,129)	(2,033)	(3,358)	(4,814)
ACL - loans, Recoveries	161	849	185	1,324
ACL - loans, (Release) Provision	(936)	6,352	(1,688)	9,876
ACL - loans, Ending Balance	42,894	38,775	42,894	38,775	47,755
Loans receivable | Commercial | Commercial & industrial
ACL
ACL - loans, Beginning Balance	31,858	28,312	30,890	23,504	23,504
ACL- loans, Initial ACL - PCD loans				1,358
ACL - loans, Charge-Offs	(3,284)	(3,753)	(8,070)	(4,651)
ACL - loans, Recoveries	2,003	1,007	2,883	1,680
ACL - loans, (Release) Provision	1,524	4,290	6,398	7,965
ACL - loans, Ending Balance	32,101	29,856	32,101	29,856	30,890
Loans receivable | Commercial | Commercial construction
ACL
ACL - loans, Beginning Balance	20,023	22,073	21,741	20,120	20,120
ACL- loans, Initial ACL - PCD loans				39
ACL - loans, Charge-Offs	0	0	(53)	0
ACL - loans, Recoveries	48	105	81	142
ACL - loans, (Release) Provision	(454)	98	(2,152)	1,975
ACL - loans, Ending Balance	19,617	22,276	19,617	22,276	21,741
Loans receivable | Commercial | Equipment financing
ACL
ACL - loans, Beginning Balance	39,982	26,195	33,383	23,395	23,395
ACL- loans, Initial ACL - PCD loans				0
ACL - loans, Charge-Offs	(6,604)	(3,752)	(13,893)	(7,779)
ACL - loans, Recoveries	1,102	1,215	2,029	1,867
ACL - loans, (Release) Provision	10,635	4,946	23,596	11,121
ACL - loans, Ending Balance	45,115	28,604	45,115	28,604	33,383
Loans receivable | Residential | Commercial construction
ACL
ACL - loans, Beginning Balance	1,529	2,043	1,833	2,049	2,049
ACL- loans, Initial ACL - PCD loans				124
ACL - loans, Charge-Offs	(56)	(637)	(189)	(637)
ACL - loans, Recoveries	30	14	44	29
ACL - loans, (Release) Provision	(119)	2,026	(304)	1,881
ACL - loans, Ending Balance	1,384	3,446	1,384	3,446	1,833
Loans receivable | Residential | Residential mortgage
ACL
ACL - loans, Beginning Balance	28,636	24,082	28,219	20,809	20,809
ACL- loans, Initial ACL - PCD loans				157
ACL - loans, Charge-Offs	(6)	(26)	(22)	(45)
ACL - loans, Recoveries	113	69	145	175
ACL - loans, (Release) Provision	(131)	1,306	270	4,335
ACL - loans, Ending Balance	28,612	25,431	28,612	25,431	28,219
Loans receivable | Residential | Home equity
ACL
ACL - loans, Beginning Balance	9,715	10,337	9,647	8,707	8,707
ACL- loans, Initial ACL - PCD loans				534
ACL - loans, Charge-Offs	0	(24)	(7)	(145)
ACL - loans, Recoveries	27	83	88	171
ACL - loans, (Release) Provision	(356)	213	(342)	1,342
ACL - loans, Ending Balance	9,386	10,609	9,386	10,609	9,647
Loans receivable | Residential | Manufactured housing
ACL
ACL - loans, Beginning Balance	12,044	8,424	10,339	8,098	8,098
ACL- loans, Initial ACL - PCD loans				0
ACL - loans, Charge-Offs	(1,233)	(620)	(2,840)	(1,274)
ACL - loans, Recoveries	83	0	121	26
ACL - loans, (Release) Provision	628	1,400	3,902	2,354
ACL - loans, Ending Balance	11,522	9,204	11,522	9,204	10,339
Loans receivable | Consumer
ACL
ACL - loans, Beginning Balance	691	630	722	759	759
ACL- loans, Initial ACL - PCD loans				4
ACL - loans, Charge-Offs	(916)	(1,327)	(1,777)	(2,144)
ACL - loans, Recoveries	210	226	476	477
ACL - loans, (Release) Provision	619	1,187	1,183	1,620
ACL - loans, Ending Balance	$ 604	$ 716	$ 604	$ 716	$ 722

Derivatives and Hedging Activ_3

Derivatives and Hedging Activities - Fair Value of Derivative Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Derivatives, Fair Value [Line Items]
Notional Amount	$ 5,220,190	$ 3,624,740
Derivative Asset
Total gross derivative instruments	51,843	50,352
Less: Amounts subject to master netting agreements	(1,340)	(4,683)
Less: Cash collateral received/pledged	(38,671)	(33,921)
Net amount	11,832	11,748
Derivative Liability
Total gross derivative instruments	88,034	84,811
Less: Amounts subject to master netting agreements	(1,340)	(4,683)
Less: Cash collateral received/pledged	(12,655)	(11,330)
Net amount	74,039	68,798
Derivative assets
Derivative Asset
Total gross derivative instruments	51,843	50,352
Derivative liabilities
Derivative Liability
Total gross derivative instruments	88,034	84,811
Designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	2,560,628	925,511
Designated as hedging instrument | Derivative assets
Derivative Asset
Derivatives designated as hedging instruments	13,325	13,168
Designated as hedging instrument | Derivative liabilities
Derivative Liability
Derivatives designated as hedging instruments	0	0
Not designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	2,659,562	2,699,229
Not designated as hedging instrument | Derivative assets
Derivative Asset
Derivatives not designated as hedging instruments	38,518	37,184
Not designated as hedging instrument | Derivative liabilities
Derivative Liability
Derivatives not designated as hedging instruments	88,034	84,811
Cash flow hedge of subordinated debt | Designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	100,000	100,000
Cash flow hedge of subordinated debt | Designated as hedging instrument | Derivative assets
Derivative Asset
Cash flow hedge	13,325	13,168
Cash flow hedge of subordinated debt | Designated as hedging instrument | Derivative liabilities
Derivative Liability
Cash flow hedge	0	0
Cash flow hedges of trust preferred securities | Designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	20,000	20,000
Cash flow hedges of trust preferred securities | Designated as hedging instrument | Derivative assets
Derivative Asset
Cash flow hedge	0	0
Cash flow hedges of trust preferred securities | Designated as hedging instrument | Derivative liabilities
Derivative Liability
Cash flow hedge	0	0
Fair value hedges of AFS debt securities | Designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	790,628	655,511
Fair value hedges of AFS debt securities | Designated as hedging instrument | Derivative assets
Derivative Asset
Fair value hedge	0	0
Fair value hedges of AFS debt securities | Designated as hedging instrument | Derivative liabilities
Derivative Liability
Fair value hedge	0	0
Fair value hedges of loans | Designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	1,650,000	150,000
Fair value hedges of loans | Designated as hedging instrument | Derivative assets
Derivative Asset
Fair value hedge	0	0
Fair value hedges of loans | Designated as hedging instrument | Derivative liabilities
Derivative Liability
Fair value hedge	0	0
Customer derivative positions | Not designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	1,135,793	1,177,275
Customer derivative positions | Not designated as hedging instrument | Derivative assets
Derivative Asset
Derivatives not designated as hedging instruments	1,164	3,461
Customer derivative positions | Not designated as hedging instrument | Derivative liabilities
Derivative Liability
Derivatives not designated as hedging instruments	74,493	68,384
Dealer offsets to customer derivative positions | Not designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	1,135,793	1,197,364
Dealer offsets to customer derivative positions | Not designated as hedging instrument | Derivative assets
Derivative Asset
Derivatives not designated as hedging instruments	24,799	23,061
Dealer offsets to customer derivative positions | Not designated as hedging instrument | Derivative liabilities
Derivative Liability
Derivatives not designated as hedging instruments	1,168	4,597
Risk participations | Not designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	91,747	90,597
Risk participations | Not designated as hedging instrument | Derivative assets
Derivative Asset
Derivatives not designated as hedging instruments	1	1
Risk participations | Not designated as hedging instrument | Derivative liabilities
Derivative Liability
Derivatives not designated as hedging instruments	7	8
Mortgage banking - loan commitments | Not designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	89,064	48,452
Mortgage banking - loan commitments | Not designated as hedging instrument | Derivative assets
Derivative Asset
Derivatives not designated as hedging instruments	1,594	1,089
Mortgage banking - loan commitments | Not designated as hedging instrument | Derivative liabilities
Derivative Liability
Derivatives not designated as hedging instruments	0	0
Mortgage banking - forward sales commitment | Not designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	103,295	81,671
Mortgage banking - forward sales commitment | Not designated as hedging instrument | Derivative assets
Derivative Asset
Derivatives not designated as hedging instruments	218	20
Mortgage banking - forward sales commitment | Not designated as hedging instrument | Derivative liabilities
Derivative Liability
Derivatives not designated as hedging instruments	115	658
Bifurcated embedded derivatives | Not designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	51,935	51,935
Bifurcated embedded derivatives | Not designated as hedging instrument | Derivative assets
Derivative Asset
Derivatives not designated as hedging instruments	10,742	9,552
Bifurcated embedded derivatives | Not designated as hedging instrument | Derivative liabilities
Derivative Liability
Derivatives not designated as hedging instruments	0	0
Dealer offsets to bifurcated embedded derivatives | Not designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	51,935	51,935
Dealer offsets to bifurcated embedded derivatives | Not designated as hedging instrument | Derivative assets
Derivative Asset
Derivatives not designated as hedging instruments	0	0
Dealer offsets to bifurcated embedded derivatives | Not designated as hedging instrument | Derivative liabilities
Derivative Liability
Derivatives not designated as hedging instruments	$ 12,251	$ 11,164

Derivatives and Hedging Activ_4

Derivatives and Hedging Activities - Narrative (Details) $ in Thousands	Jun. 30, 2024 USD ($) contract
Derivative Instruments [Line Items]
Gains to be reclassified from accumulated other comprehensive income into earnings over the next twelve months | $	$ 5,050
Interest rate swaps | Economic hedge, not designated as hedging instrument
Derivative Instruments [Line Items]
Number of derivative contracts | contract	3

Derivatives and Hedging Activ_5

Derivatives and Hedging Activities - Effect of Derivatives in Hedging Relationships (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Fair Value Hedging | Interest revenue- investment securities | Interest Revenue
Fair value hedges:
Amounts related to interest settlements on derivatives	$ 3,120	$ 2,310	$ 5,976	$ 2,310
Gain recognized on derivative	390	13,889	9,852	13,889
Gain (loss) recognized on hedged items	310	(15,289)	(9,488)	(15,289)
Net income recognized on AFS securities fair value hedges	3,820	910	6,340	910
Fair Value Hedging | Interest revenue - loans, including fees | Interest Revenue
Fair value hedges:
Amounts related to interest settlements on derivatives	3,665	0	4,963	0
Gain recognized on derivative	3,467	0	5,625	0
Gain (loss) recognized on hedged items	(3,351)	0	(5,646)	0
Net income recognized on AFS securities fair value hedges	3,781	0	4,942	0
Cash flow hedging | Interest expense- long term debt | Interest Expense
Fair value hedges:
Net income recognized on AFS securities fair value hedges	$ 1,438	$ 1,234	2,878	2,056
Premium amortization expense excluded from assessment of hedge effectiveness			$ 235	$ 229

Derivatives and Hedging Activ_6

Derivatives and Hedging Activities - Carrying Amount and Cumulative Fair Value Hedging Adjustments on Hedged Liability (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Derivative [Line Items]
Hedge Accounting Basis Adjustment	$ (3,753)	$ 1,893
Fair Value Hedging | Debt Securities AFS
Derivative [Line Items]
Hedged Portfolio Layer	790,628	655,511
Fair Value Hedging | Loans and leases held for investment
Derivative [Line Items]
Hedged Portfolio Layer	1,650,000	150,000
Fair Value Hedging | Debt Securities AFS
Derivative [Line Items]
Carrying Amount	957,162	789,908
Hedge Accounting Basis Adjustment	(14,161)	(4,673)
Fair Value Hedging | Loans and leases held for investment
Derivative [Line Items]
Carrying Amount	5,240,360	1,017,379
Hedge Accounting Basis Adjustment	$ (3,753)	$ 1,893

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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Derivative Instruments [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivatives	$ 900	$ 399	$ 1,366	$ 1,448
Customer derivatives and dealer offsets
Derivative Instruments [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivatives	451	545	206	912
Bifurcated embedded derivatives and dealer offsets
Derivative Instruments [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivatives	1	(474)	(191)	(1,007)
Mortgage banking derivatives
Derivative Instruments [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivatives	451	174	1,352	1,401
Risk participations
Derivative Instruments [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivatives	$ (3)	$ 154	$ (1)	$ 142

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets - Carrying Amount (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022
Goodwill and other intangible assets
Total intangible assets subject to amortization	$ 62,492		$ 70,173
Goodwill	916,153	$ 921,253	919,914	$ 896,718	$ 896,718	$ 751,174
Total goodwill and other intangible assets, net	978,645		990,087
Core deposit intangible
Goodwill and other intangible assets
Intangibles subject to amortization, gross	100,694		104,174
Less: accumulated amortization	(44,300)		(40,495)
Total intangible assets subject to amortization	56,394		63,679
Customer relationship intangible
Goodwill and other intangible assets
Intangibles subject to amortization, gross	8,400		8,400
Less: accumulated amortization	(2,302)		(1,906)
Total intangible assets subject to amortization	$ 6,098		$ 6,494

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Narrative (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Finite-Lived Intangible Assets [Line Items]
Goodwill write-down			$ 0	$ 5,100	$ 0
Total assets	$ 27,057,201	$ 27,057,201		27,057,201			$ 27,297,251
Goodwill	916,153	916,153	$ 896,718	916,153	896,718	$ 921,253	919,914	$ 896,718	$ 751,174
Finite-lived intangible assets, net	62,492	62,492		62,492			70,173
Liabilities	23,714,568	23,714,568		23,714,568			$ 24,035,726
FinTrust
Finite-Lived Intangible Assets [Line Items]
Goodwill write-down				5,100	$ 0
Disposal Group, Held-for-Sale, Not Discontinued Operations | FinTrust
Finite-Lived Intangible Assets [Line Items]
Goodwill write-down	5,100	5,100
Total assets	16,000	16,000		16,000
Goodwill	9,060	9,060		9,060
Liabilities	690	690		690
Disposal Group, Held-for-Sale, Not Discontinued Operations | FinTrust | Customer Lists
Finite-Lived Intangible Assets [Line Items]
Finite-lived intangible assets, net	$ 6,020	$ 6,020		$ 6,020

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets - Changes in Carrying Amount of Goodwill (Details) - USD ($) $ in Thousands	3 Months Ended			6 Months Ended
	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Goodwill [Roll Forward]
Goodwill, beginning balance	$ 921,253	$ 919,914	$ 896,718	$ 919,914	$ 751,174
Acquisitions	0		0	0	145,544
Measurement period adjustment - First Miami		1,340
FinTrust goodwill write-down			0	(5,100)	0
Goodwill, ending balance	916,153	921,253	896,718	916,153	896,718
Accumulated impairment losses on goodwill	306,000	306,000	306,000	306,000	306,000	$ 306,000	$ 306,000	$ 306,000
First Miami Bancorp, Inc
Goodwill [Roll Forward]
Goodwill, beginning balance	24,500
Measurement period adjustment - First Miami	$ 0		$ 0	$ 1,339	$ 0
Goodwill, ending balance		$ 24,500

Goodwill and Other Intangible_6

Goodwill and Other Intangible Assets - Estimated Aggregate Amortization Expense for Future Periods (Details) $ in Thousands	Jun. 30, 2024 USD ($)
Estimated Aggregate Amortization Expense For Future Periods
Remainder of 2024	$ 6,915
2025	12,272
2026	10,394
2027	8,516
2028	6,734
Thereafter	11,637
Total intangible assets subject to amortization	$ 56,468

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	Jun. 30, 2024	Dec. 31, 2023
Assets:
Debt securities available-for-sale	$ 3,604,769	$ 3,331,084
Mortgage loans held for sale	49,315	33,008
U.S. Treasuries
Assets:
Debt securities available-for-sale	472,664	387,349
U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	312,407	267,500
State and political subdivisions
Assets:
Debt securities available-for-sale	159,535	164,049
Corporate bonds
Assets:
Debt securities available-for-sale	194,408	201,222
Asset-backed securities
Assets:
Debt securities available-for-sale	130,990	161,712
Recurring
Assets:
Equity securities with readily determinable fair values	7,703	7,395
Mortgage loans held for sale	49,315	33,008
Deferred compensation plan assets	13,616	12,791
Servicing rights for SBA/USDA loans	5,247	5,444
Residential mortgage servicing rights	38,014	35,897
Derivative financial instruments	51,843	50,352
Total assets	3,770,507	3,475,971
Liabilities:
Deferred compensation plan liability	13,611	12,838
Derivative financial instruments	88,034	84,811
Total liabilities	101,645	97,649
Recurring | U.S. Treasuries
Assets:
Debt securities available-for-sale	472,664	387,349
Recurring | U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	312,407	267,500
Recurring | State and political subdivisions
Assets:
Debt securities available-for-sale	159,535	164,049
Recurring | Residential MBS
Assets:
Debt securities available-for-sale	1,530,190	1,507,598
Recurring | Commercial MBS
Assets:
Debt securities available-for-sale	804,575	641,654
Recurring | Corporate bonds
Assets:
Debt securities available-for-sale	194,408	201,222
Recurring | Asset-backed securities
Assets:
Debt securities available-for-sale	130,990	161,712
Level 1 | Recurring
Assets:
Equity securities with readily determinable fair values	5,915	5,767
Mortgage loans held for sale	0	0
Deferred compensation plan assets	13,616	12,791
Servicing rights for SBA/USDA loans	0	0
Residential mortgage servicing rights	0	0
Derivative financial instruments	0	0
Total assets	492,195	405,907
Liabilities:
Deferred compensation plan liability	13,611	12,838
Derivative financial instruments	0	0
Total liabilities	13,611	12,838
Level 1 | Recurring | U.S. Treasuries
Assets:
Debt securities available-for-sale	472,664	387,349
Level 1 | Recurring | U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	0	0
Level 1 | Recurring | State and political subdivisions
Assets:
Debt securities available-for-sale	0	0
Level 1 | Recurring | Residential MBS
Assets:
Debt securities available-for-sale	0	0
Level 1 | Recurring | Commercial MBS
Assets:
Debt securities available-for-sale	0	0
Level 1 | Recurring | Corporate bonds
Assets:
Debt securities available-for-sale	0	0
Level 1 | Recurring | Asset-backed securities
Assets:
Debt securities available-for-sale	0	0
Level 2 | Recurring
Assets:
Equity securities with readily determinable fair values	1,788	1,628
Mortgage loans held for sale	49,315	33,008
Deferred compensation plan assets	0	0
Servicing rights for SBA/USDA loans	0	0
Residential mortgage servicing rights	0	0
Derivative financial instruments	38,910	39,710
Total assets	3,219,921	3,015,876
Liabilities:
Deferred compensation plan liability	0	0
Derivative financial instruments	74,721	73,639
Total liabilities	74,721	73,639
Level 2 | Recurring | U.S. Treasuries
Assets:
Debt securities available-for-sale	0	0
Level 2 | Recurring | U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	312,407	267,500
Level 2 | Recurring | State and political subdivisions
Assets:
Debt securities available-for-sale	159,535	164,049
Level 2 | Recurring | Residential MBS
Assets:
Debt securities available-for-sale	1,530,190	1,507,598
Level 2 | Recurring | Commercial MBS
Assets:
Debt securities available-for-sale	804,575	641,654
Level 2 | Recurring | Corporate bonds
Assets:
Debt securities available-for-sale	192,211	199,017
Level 2 | Recurring | Asset-backed securities
Assets:
Debt securities available-for-sale	130,990	161,712
Level 3 | Recurring
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	5,247	5,444
Residential mortgage servicing rights	38,014	35,897
Derivative financial instruments	12,933	10,642
Total assets	58,391	54,188
Liabilities:
Deferred compensation plan liability	0	0
Derivative financial instruments	13,313	11,172
Total liabilities	13,313	11,172
Level 3 | Recurring | U.S. Treasuries
Assets:
Debt securities available-for-sale	0	0
Level 3 | Recurring | U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	0	0
Level 3 | Recurring | State and political subdivisions
Assets:
Debt securities available-for-sale	0	0
Level 3 | Recurring | Residential MBS
Assets:
Debt securities available-for-sale	0	0
Level 3 | Recurring | Commercial MBS
Assets:
Debt securities available-for-sale	0	0
Level 3 | Recurring | Corporate bonds
Assets:
Debt securities available-for-sale	2,197	2,205
Level 3 | Recurring | 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) - Level 3 - Recurring - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Derivative Liabilities
Liabilities:
Beginning balance	$ 13,185	$ 11,195	$ 11,172	$ 12,840
Business combinations			0	0
Additions	0	167	0	170
Transfers from Level 2			925	0
Sales and settlements	0	0	0	0
Fair value adjustments included in OCI	0	0	0	0
Fair value adjustments included in earnings	128	1,202	1,216	(446)
Ending balance	13,313	12,564	13,313	12,564
Derivative Assets
Assets:
Beginning balance	12,811	11,348	10,642	11,513
Business combinations			0	0
Additions	1,362	0	2,828	0
Transfers from Level 2			484	0
Sales and settlements	(1,394)	0	(2,317)	(11)
Fair value adjustments included in OCI	0	0	0	0
Fair value adjustments included in earnings	154	524	1,296	370
Ending balance	12,933	11,872	12,933	11,872
SBA/USDA loan servicing rights
Assets:
Beginning balance	5,507	6,289	5,444	5,188
Business combinations			0	95
Additions	345	464	515	924
Transfers from Level 2			0	0
Sales and settlements	(313)	(231)	(554)	(451)
Fair value adjustments included in OCI	0	0	0	0
Fair value adjustments included in earnings	(292)	(374)	(158)	392
Ending balance	5,247	6,148	5,247	6,148
Residential mortgage servicing rights
Assets:
Beginning balance	37,358	36,081	35,897	36,559
Business combinations			0	0
Additions	1,060	848	1,778	1,480
Transfers from Level 2			0	0
Sales and settlements	(1,037)	(496)	(1,797)	(948)
Fair value adjustments included in OCI	0	0	0	0
Fair value adjustments included in earnings	633	761	2,136	103
Ending balance	38,014	37,194	38,014	37,194
Corporate Bonds
Assets:
Beginning balance	2,160	2,227	2,205	2,212
Business combinations			0	0
Additions	0	0	0	0
Transfers from Level 2			0	0
Sales and settlements	0	0	0	0
Fair value adjustments included in OCI	37	(44)	(8)	(29)
Fair value adjustments included in earnings	0	0	0	0
Ending balance	$ 2,197	$ 2,183	$ 2,197	$ 2,183

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) - Level 3 - Recurring	Jun. 30, 2024	Dec. 31, 2023
Minimum | SBA/USDA loan servicing rights | Discount rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.050	0.084
Minimum | SBA/USDA loan servicing rights | Prepayment rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.019	0.035
Minimum | Residential mortgage servicing rights | Discount rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.100	0.100
Minimum | Residential mortgage servicing rights | Prepayment rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.065	0.065
Minimum | Corporate bonds | Discount rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Corporate bonds, measurement input	0.071	0.061
Minimum | Derivative assets - mortgage | Pull through rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative assets, measurement input	0.600	0.600
Maximum | SBA/USDA loan servicing rights | Discount rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.245	0.250
Maximum | SBA/USDA loan servicing rights | Prepayment rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.390	0.374
Maximum | Residential mortgage servicing rights | Discount rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.125	0.150
Maximum | Residential mortgage servicing rights | Prepayment rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.613	0.299
Maximum | Corporate bonds | Discount rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Corporate bonds, measurement input	0.073	0.067
Maximum | Derivative assets - mortgage | Pull through rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative assets, measurement input	1	1
Weighted Average | SBA/USDA loan servicing rights | Discount rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.121	0.162
Weighted Average | SBA/USDA loan servicing rights | Prepayment rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.198	0.185
Weighted Average | Residential mortgage servicing rights | Discount rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.100	0.100
Weighted Average | Residential mortgage servicing rights | Prepayment rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.078	0.080
Weighted Average | Corporate bonds | Discount rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Corporate bonds, measurement input	0.072	0.065
Weighted Average | Derivative assets - mortgage | Pull through rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative assets, measurement input	0.906	0.905

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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Mortgage Loans Held for Sale
Outstanding principal balance	$ 47,922		$ 47,922		$ 31,788
Fair value	49,315		49,315		$ 33,008
Mortgage loan gains and other related fees	$ 204	$ 33	$ 172	$ 264

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	Jun. 30, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	$ 26,133	$ 36,984
FinTrust net assets held for sale	15,322
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	0	0
FinTrust net assets 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
FinTrust net assets held for sale	0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	26,133	$ 36,984
FinTrust net assets held for sale	$ 15,322

Assets and Liabilities Measur_8

Assets and Liabilities Measured at Fair Value - Narrative (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
FinTrust goodwill write-down			$ 0	$ 5,100	$ 0
Maximum remaining maturity of financial instruments having no defined maturity				180 days
FinTrust
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
FinTrust goodwill write-down				$ 5,100	$ 0
Disposal Group, Held-for-Sale, Not Discontinued Operations | FinTrust
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
FinTrust goodwill write-down	$ 5,100	$ 5,100

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	Jun. 30, 2024	Dec. 31, 2023
Assets:
HTM debt securities	$ 2,004,427	$ 2,095,620
Carrying Amount
Assets:
HTM debt securities	2,432,941	2,490,848
Loans and leases, net	17,998,171	18,110,684
Liabilities:
Deposits	22,982,122	23,310,611
Long-term debt	324,887	324,823
Fair Value
Assets:
HTM debt securities	2,004,427	2,095,620
Loans and leases, net	17,499,616	17,585,073
Liabilities:
Deposits	22,968,706	23,305,223
Long-term debt	310,645	310,060
Fair Value | Level 1
Assets:
HTM debt securities	17,819	17,950
Loans and leases, net	0	0
Liabilities:
Deposits	0	0
Long-term debt	0	0
Fair Value | Level 2
Assets:
HTM debt securities	1,986,608	2,077,670
Loans and leases, net	0	0
Liabilities:
Deposits	22,968,706	23,305,223
Long-term debt	0	0
Fair Value | Level 3
Assets:
HTM debt securities	0	0
Loans and leases, net	17,499,616	17,585,073
Liabilities:
Deposits	0	0
Long-term debt	$ 310,645	$ 310,060

Stock-Based Compensation - Narr

Stock-Based Compensation - Narrative (Details) - USD ($) shares in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
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)	2,080
Income tax benefit related to expense for share-based awards	$ 1,260,000	$ 1,220,000
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	$ 21,000,000
Recognition period for unrecognized compensation expense (in years)	2 years 4 months 24 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	$ 4,630,000	4,460,000
Restricted stock units and performance stock units | Directors | Other operating expense
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 360,000	$ 331,000

Stock-Based Compensation - Rest

Stock-Based Compensation - Restricted Stock Unit and Option Activity (Details) $ / shares in Units, $ in Thousands	6 Months Ended
	Jun. 30, 2024 USD ($) $ / shares shares
Shares
Beginning balance, outstanding (in shares) | shares	406,737
Granted (in shares) | shares	0
Released / Exercised (in shares) | shares	(57,194)
Cancelled (in shares) | shares	(2,353)
Ending balance, outstanding (in shares) | shares	347,190
Vested / Exercisable (in shares) | shares	347,190
Weighted- Average Exercise Price
Beginning balance, outstanding (in dollars per share) | $ / shares	$ 21.19
Granted (in dollars per share) | $ / shares	0
Released / Exercised (in dollars per share) | $ / shares	20.40
Cancelled (in dollars per share) | $ / shares	26.05
Ending balance, outstanding (in dollars per share) | $ / shares	21.28
Vested / Exercisable (in dollars per share) | $ / shares	$ 21.28
Outstanding, Weighted Average Remaining Term (in years)	4 years 9 months 18 days
Vested / Exercisable, Weighted Average Remaining Term (in years)	4 years 9 months 18 days
Released / Exercised during period, Aggregate Intrinsic Value | $	$ 379
Outstanding, Aggregate Intrinsic Value | $	1,482
Vested / Exercisable, Aggregate Intrinsic Value | $	$ 1,482
Restricted Stock Unit Awards
Shares
Outstanding, beginning balance (in shares) | shares	929,367
Granted (in shares) | shares	232,747
Released / Exercised (in shares) | shares	(80,246)
Cancelled (in shares) | shares	(69,658)
Outstanding, ending balance (in shares) | shares	1,012,210
Vested / Exercisable (in shares) | shares	0
Weighted- Average Grant- Date Fair Value
Outstanding, beginning balance (in dollars per share) | $ / shares	$ 28.85
Granted (in dollars per share) | $ / shares	27.94
Released / Exercised (in dollars per share) | $ / shares	27.77
Cancelled (in dollars per share) | $ / shares	27.81
Outstanding, ending balance (in dollars per share) | $ / shares	28.83
Vested / Exercisable (in dollars per share) | $ / shares	$ 0
Aggregate Intrinsic Value, Released / Exercised | $	$ 2,189
Aggregate Intrinsic Value, Outstanding | $	$ 25,771

Reclassifications Out of AOCI_2

Reclassifications Out of AOCI (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Securities losses, net	$ 0	$ 0	$ 0	$ (1,644)
Income tax expense	(19,362)	(18,225)	(37,566)	(36,016)
Investment securities interest revenue	346,965	295,775	683,693	575,262
Long-term debt interest expense	(3,743)	(3,774)	(7,538)	(7,670)
Salaries and employee benefits expense	(85,818)	(76,250)	(170,803)	(154,948)
Net of tax	66,615	63,288	129,246	125,588
Reclassifications Out of AOCI
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net of tax	(731)	(1,041)	(1,262)	(3,992)
Reclassifications Out of AOCI | Realized losses on AFS securities:
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Securities losses, net	0	0	0	(1,644)
Income tax expense	0	0	0	374
Net of tax	0	0	0	(1,270)
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	702	604	1,195	1,324
Investment securities interest revenue	(2,474)	(2,518)	(4,537)	(5,486)
Net of tax	(1,772)	(1,914)	(3,342)	(4,162)
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	(363)	(315)	(731)	(525)
Long-term debt interest expense	1,438	1,234	2,878	2,056
Net of tax	1,075	919	2,147	1,531
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	12	15	23	31
Net of tax	(34)	(46)	(67)	(91)
Reclassifications Out of AOCI | Prior service cost
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits expense	$ (46)	$ (61)	$ (90)	$ (122)

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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Computation of basic and diluted earnings per share
Net income	$ 66,615	$ 63,288	$ 129,246	$ 125,588
Dividends on preferred stock	(1,573)	(1,719)	(3,146)	(3,438)
Earnings allocated to participating securities	(368)	(342)	(713)	(680)
Net income available to common shareholders, basic	64,674	61,227	125,387	121,470
Net income available to common shareholders, diluted	$ 64,674	$ 61,227	$ 125,387	$ 121,470
Weighted average shares outstanding:
Basic (in shares)	119,726	115,774	119,694	115,614
Effect of dilutive securities:
Diluted (in shares)	119,785	115,869	119,763	115,795
Net income per common share:
Basic (in dollars per share)	$ 0.54	$ 0.53	$ 1.05	$ 1.05
Diluted (in dollars per share)	$ 0.54	$ 0.53	$ 1.05	$ 1.05
Stock options
Effect of dilutive securities:
Restricted stock units (in shares)	59	95	69	166
Restricted stock units
Effect of dilutive securities:
Restricted stock units (in shares)	0	0	0	15

Earnings Per Share - Narrative

Earnings Per Share - Narrative (Details) - shares	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Earnings Per Share [Abstract]
Potentially dilutive instruments outstanding not included in EPS analysis (in shares)	58,734	78,412

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands	Jun. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 capital, Minimum	0.045
CET1 capital, Well-Capitalized	0.065
CET1 capital	0.1279	0.1216
Tier 1 capital, Minimum	0.060
Tier 1 capital, Well-Capitalized	0.080
Tier 1 capital	0.1324	0.1260
Total capital, Minimum	0.080
Total capital, Well-Capitalized	0.100
Total capital	0.1508	0.1449
Leverage ratio, Minimum	0.040
Leverage ratio, Well-Capitalized	0.050
Leverage ratio	0.0993	0.0947
CET1 capital	$ 2,518,875	$ 2,432,518
Tier 1 capital	2,607,141	2,520,784
Total capital	2,969,633	2,898,474
Risk-weighted assets	19,697,147	20,007,236
Average total assets for the leverage ratio	$ 26,264,213	$ 26,621,561
United Community Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 capital	0.1290	0.1222
Tier 1 capital	0.1290	0.1222
Total capital	0.1395	0.1323
Leverage ratio	0.0966	0.0917
CET1 capital	$ 2,530,580	$ 2,435,962
Tier 1 capital	2,530,580	2,435,962
Total capital	2,737,626	2,638,009
Risk-weighted assets	19,619,786	19,933,429
Average total assets for the leverage ratio	$ 26,209,793	$ 26,563,946

Commitments and Contingencies -

Commitments and Contingencies - Contractual Amount of Off-balance Sheet Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Commitments to extend credit
Financial instruments whose contract amounts represent credit risk:
Financial instruments whose contract amounts represent credit risk:	$ 3,963,860	$ 4,305,483
Letters of credit
Financial instruments whose contract amounts represent credit risk:
Financial instruments whose contract amounts represent credit risk:	$ 60,743	$ 61,808

Commitments and Contingencies_2

Commitments and Contingencies - Tax Credit and Certain Equity Method Investments (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Other Commitments [Line Items]
Investment, Proportional Amortization Method, Elected, Statement of Financial Position [Extensible Enumeration]	Other assets (including $116,423 and $111,879 at fair value, respectively)	Other assets (including $116,423 and $111,879 at fair value, respectively)
Investments in LIHTC:
Other Commitments [Line Items]
Investments in LIHTC: Carrying amount	$ 55,992	$ 48,867
Investments in LIHTC: | Other liabilities
Other Commitments [Line Items]
Investments in LIHTC: Amount of future funding commitments included in carrying amount	21,270	14,176
Investments in LIHTC: | Loans and leases held for investment
Other Commitments [Line Items]
Investments in LIHTC: Lending exposure	11,542	803
Renewable energy investments:
Other Commitments [Line Items]
Amount of future funding commitments	14,406	14,406
Renewable energy investments: | Other assets
Other Commitments [Line Items]
Carrying amount	4,333	18,631
Fintech funds and certain other equity method investments:
Other Commitments [Line Items]
Amount of future funding commitments	29,295	25,008
Fintech funds and certain other equity method investments: | Other assets
Other Commitments [Line Items]
Carrying amount	$ 40,157	$ 33,720

Commitments and Contingencies_3

Commitments and Contingencies - Tax Credits and Amortization Expense (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Other Commitments [Line Items]
Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Income or Comprehensive Income [Extensible Enumeration]	Income Tax Expense (Benefit)	Income Tax Expense (Benefit)	Income Tax Expense (Benefit)	Income Tax Expense (Benefit)
Investments in LIHTC:
Other Commitments [Line Items]
Income tax credits and other income tax benefits	$ (1,997)		$ (3,993)
Amortization expense	$ 1,736		$ 3,567