FB FINANCIAL CORP, 10-Q filed on 11/7/2025
Quarterly Report
v3.25.3
Cover - shares
 9 Months Ended
Sep. 30, 2025
Oct. 31, 2025
Cover [Abstract]    
Document Type 10-Q  
Document Quarterly Report true  
Document Period End Date Sep. 30, 2025  
Document Transition Report false  
Entity File Number 001-37875  
Entity Registrant Name FB FINANCIAL CORPORATION  
Entity Incorporation, State or Country Code TN  
Entity Tax Identification Number 62-1216058  
Entity Address, Address Line One 1221 Broadway  
Entity Address, Address Line Two Suite 1300  
Entity Address, City or Town Nashville  
Entity Address, State or Province TN  
Entity Address, Postal Zip Code 37203  
City Area Code 615  
Local Phone Number 564-1212  
Title of 12(b) Security Common Stock, Par Value $1.00 Per Share  
Trading Symbol FBK  
Security Exchange Name NYSE  
Entity Current Reporting Status Yes  
Entity Interactive Data Current Yes  
Entity Filer Category Large Accelerated Filer  
Entity Small Reporting Company false  
Entity Emerging Growth Company false  
Entity Shell Company false  
Entity Common Stock, Shares Outstanding   53,462,482
Amendment Flag false  
Document Fiscal Year Focus 2025  
Document Fiscal Period Focus Q3  
Entity Central Index Key 0001649749  
Current Fiscal Year End Date --12-31  
v3.25.3
Consolidated Balance Sheets - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
ASSETS    
Cash and due from banks $ 154,286 $ 120,153
Federal funds sold and reverse repurchase agreements 283,451 125,825
Interest-bearing deposits in financial institutions 842,296 796,510
Cash and cash equivalents 1,280,033 1,042,488
Investments:    
Available-for-sale debt securities, at fair value 1,426,951 1,538,008
Equity securities, at fair value 1,450 0
Restricted equity securities, at cost 36,231 32,749
Loans held for sale (includes $145,789 and $95,403 at fair value, respectively) 167,449 126,760
Loans held for investment 12,297,600 9,602,384
Less: allowance for credit losses on loans HFI 184,993 151,942
Net loans held for investment 12,112,607 9,450,442
Premises and equipment, net 183,595 148,899
Operating lease right-of-use assets 51,035 47,963
Interest receivable 60,755 49,611
Mortgage servicing rights, at fair value 149,840 162,038
Bank-owned life insurance 113,374 72,504
Other real estate owned, net 4,466 4,409
Goodwill 350,353 242,561
Core deposit and other intangibles, net 33,216 5,762
Other assets 265,104 233,288
Total assets 16,236,459 13,157,482
Deposits    
Noninterest-bearing 2,690,635 2,116,232
Interest-bearing checking 2,458,625 2,906,425
Money market and savings 5,968,094 4,338,483
Customer time deposits 2,206,790 1,380,205
Brokered and internet time deposits 488,811 469,089
Total deposits 13,812,955 11,210,434
Borrowings 213,638 176,789
Operating lease liabilities 62,664 60,024
Accrued expenses and other liabilities 169,066 142,604
Total liabilities 14,258,323 11,589,851
SHAREHOLDERS’ EQUITY    
Common stock, $1 par value per share; 75,000,000 shares authorized; 53,456,522 and 46,663,120 shares issued and outstanding, respectively 53,457 46,663
Additional paid-in capital 1,163,164 860,266
Retained earnings 799,900 762,293
Accumulated other comprehensive loss, net (38,478) (101,684)
Total FB Financial Corporation common shareholders’ equity 1,978,043 1,567,538
Noncontrolling interest 93 93
Total equity 1,978,136 1,567,631
Total liabilities and shareholders’ equity $ 16,236,459 $ 13,157,482
v3.25.3
Consolidated Balance Sheets (Parenthetical) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Loans held for sale at fair value $ 167,449 $ 126,760
Common stock, par value (in dollars per share) $ 1 $ 1
Common stock, shares authorized (in shares) 75,000,000 75,000,000
Common stock, shares issued (in shares) 53,456,522 46,663,120
Common stock, shares outstanding (in shares) 53,456,522 46,663,120
 Fair Value    
Loans held for sale at fair value $ 145,789 $ 95,403
v3.25.3
Consolidated Statements of Income - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Interest income:        
Interest and fees on loans $ 209,307 $ 158,625 $ 522,189 $ 469,610
Interest on investment securities        
Taxable 14,395 13,943 43,527 35,014
Tax-exempt 1,058 1,104 3,127 3,714
Other 12,138 11,956 29,845 30,831
Total interest income 236,898 185,628 598,688 539,169
Interest expense:        
Deposits 86,577 76,088 225,394 220,214
Borrowings 3,081 3,523 6,998 10,833
Total interest expense 89,658 79,611 232,392 231,047
Net interest income 147,240 106,017 366,296 308,122
Provision for credit losses on loans HFI 29,957 1,856 30,761 7,648
Provision for (reversal of) credit losses on unfunded commitments 4,460 58 11,285 (2,728)
Net interest income after provision for credit losses 112,823 104,103 324,250 303,202
Noninterest income:        
Gain (loss) from investment securities, net 12 (40,165) (60,521) (56,378)
Loss on sales or write-downs of premises and equipment, other real estate owned and other assets, net (646) (289) (1,035) (5)
Other income 2,121 2,465 6,009 8,786
Total noninterest income (loss) 26,635 (16,497) 15,115 17,073
Noninterest expenses:        
Salaries, commissions and employee benefits 59,210 47,538 154,192 138,381
Merger and integration costs 16,057 0 19,192 0
Occupancy and equipment expense 7,539 6,640 20,846 19,582
Data processing 2,457 2,486 6,931 7,180
Advertising 2,453 1,947 7,118 4,977
Amortization of core deposit and other intangibles 2,079 719 3,366 2,260
Legal and professional fees 1,227 1,900 5,645 5,798
Other expense 18,834 14,982 53,376 45,547
Total noninterest expense 109,856 76,212 270,666 223,725
Income before income taxes 29,602 11,394 68,699 96,550
Income tax expense 6,227 1,174 3,046 18,393
Net income applicable to FB Financial Corporation and noncontrolling interest 23,375 10,220 65,653 78,157
Net income applicable to noncontrolling interest 0 0 8 8
Net income applicable to FB Financial Corporation $ 23,375 $ 10,220 $ 65,645 $ 78,149
Earnings per common share:        
Basic (in dollars per share) $ 0.44 $ 0.22 $ 1.35 $ 1.67
Diluted (in dollars per share) $ 0.43 $ 0.22 $ 1.34 $ 1.67
Mortgage banking income        
Noninterest income:        
Mortgage banking income, investment services and trust income, service charges on deposit accounts, ATM and interchange fees $ 13,484 $ 11,553 $ 38,939 $ 36,048
Investment services and trust income        
Noninterest income:        
Mortgage banking income, investment services and trust income, service charges on deposit accounts, ATM and interchange fees 4,227 3,721 11,860 10,338
Service charges on deposit accounts        
Noninterest income:        
Mortgage banking income, investment services and trust income, service charges on deposit accounts, ATM and interchange fees 4,049 3,378 10,920 9,686
ATM and interchange fees        
Noninterest income:        
Mortgage banking income, investment services and trust income, service charges on deposit accounts, ATM and interchange fees $ 3,388 $ 2,840 $ 8,943 $ 8,598
v3.25.3
Consolidated Statements of Comprehensive Income - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Statement of Comprehensive Income [Abstract]        
Net income $ 23,375 $ 10,220 $ 65,653 $ 78,157
Other comprehensive income, net of tax:        
Net unrealized gain in available-for-sale securities, net of tax expense of $1,839, $9,621, $6,518 and $6,674 5,533 27,265 18,448 18,597
Reclassification adjustment for loss on securities included in net income, net of tax benefit of $—, $10,467, $15,775 and $14,692 0 29,698 44,758 41,686
Net unrealized loss in hedging activities, net of tax benefit of $— , $21, $— and $151 0 (59) 0 (428)
Total other comprehensive income, net of tax 5,533 56,904 63,206 59,855
Comprehensive income applicable to FB Financial Corporation and noncontrolling interest 28,908 67,124 128,859 138,012
Comprehensive income applicable to noncontrolling interest 0 0 8 8
Comprehensive income applicable to FB Financial Corporation $ 28,908 $ 67,124 $ 128,851 $ 138,004
v3.25.3
Consolidated Statements of Comprehensive Income (Parenthetical) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Statement of Comprehensive Income [Abstract]        
Net unrealized gain (loss) in available-for-sale securities, net of tax expense $ 1,839 $ 9,621 $ 6,518 $ 6,674
Reclassification adjustment for (gain) loss on securities included in net income, net of tax (expense) benefit 0 10,467 15,775 14,692
Net unrealized loss in hedging activities, tax benefit $ 0 $ 21 $ 0 $ 151
v3.25.3
Consolidated Statements of Changes in Shareholders' Equity - USD ($)
$ in Thousands
Total
Restricted stock units vested, net of taxes
Performance-based restricted stock units vested, net of taxes
Total common shareholders’ equity
Total common shareholders’ equity
Restricted stock units vested, net of taxes
Total common shareholders’ equity
Performance-based restricted stock units vested, net of taxes
Common stock
Common stock
Restricted stock units vested, net of taxes
Common stock
Performance-based restricted stock units vested, net of taxes
Additional paid-in capital
Additional paid-in capital
Restricted stock units vested, net of taxes
Additional paid-in capital
Performance-based restricted stock units vested, net of taxes
Retained earnings
Accumulated other comprehensive loss, net
Noncontrolling interest
Beginning balance at Dec. 31, 2023 $ 1,454,887     $ 1,454,794     $ 46,849     $ 864,258     $ 678,412 $ (134,725) $ 93
Increase (Decrease) in Stockholders' Equity [Roll Forward]                              
Net income attributable to FB Financial Corporation and noncontrolling interest 78,157     78,149                 78,149   8
Other comprehensive income, net of taxes 59,855     59,855                   59,855  
Repurchase of common stock (12,699)     (12,699)     (353)     (12,346)          
Stock-based compensation expense 7,261     7,261     5     7,256          
Restricted stock units and performance-based restricted stock units vested, net of taxes   $ (1,443) $ (344)   $ (1,443) $ (344)   $ 106 $ 30   $ (1,549) $ (374)      
Shares issued under employee stock purchase program 882     882     21     861          
Dividends declared (24,126)     (24,126)                 (24,126)    
Noncontrolling interest distribution (8)                           (8)
Ending balance at Sep. 30, 2024 1,562,422     1,562,329     46,658     858,106     732,435 (74,870) 93
Beginning balance at Jun. 30, 2024 1,500,595     1,500,502     46,643     855,391     730,242 (131,774) 93
Increase (Decrease) in Stockholders' Equity [Roll Forward]                              
Net income attributable to FB Financial Corporation and noncontrolling interest 10,220     10,220                 10,220    
Other comprehensive income, net of taxes 56,904     56,904                   56,904  
Stock-based compensation expense 2,351     2,351     1     2,350          
Restricted stock units and performance-based restricted stock units vested, net of taxes   (104)     (104)     4     (108)        
Shares issued under employee stock purchase program 483     483     10     473          
Dividends declared (8,027)     (8,027)                 (8,027)    
Ending balance at Sep. 30, 2024 1,562,422     1,562,329     46,658     858,106     732,435 (74,870) 93
Beginning balance at Dec. 31, 2024 1,567,631     1,567,538     46,663     860,266     762,293 (101,684) 93
Increase (Decrease) in Stockholders' Equity [Roll Forward]                              
Net income attributable to FB Financial Corporation and noncontrolling interest 65,653     65,645                 65,645   8
Other comprehensive income, net of taxes 63,206     63,206                   63,206  
Common stock issued in connection with acquisition of Southern States Bancshares, Inc. (See Note 2) 368,028     368,028     8,124     359,904          
Repurchase of common stock (68,013)     (68,013)     (1,514)     (66,499)          
Stock-based compensation expense 11,567     11,567     5     11,562          
Restricted stock units and performance-based restricted stock units vested, net of taxes   (2,166) $ (621)   (2,166) $ (621)   129 $ 33   (2,295) $ (654)      
Shares issued under employee stock purchase program 897     897     17     880          
Dividends declared (28,038)     (28,038)                 (28,038)    
Noncontrolling interest distribution (8)                           (8)
Ending balance at Sep. 30, 2025 1,978,136     1,978,043     53,457     1,163,164     799,900 (38,478) 93
Beginning balance at Jun. 30, 2025 1,611,223     1,611,130     45,808     822,548     786,785 (44,011) 93
Increase (Decrease) in Stockholders' Equity [Roll Forward]                              
Net income attributable to FB Financial Corporation and noncontrolling interest 23,375     23,375                 23,375    
Other comprehensive income, net of taxes 5,533     5,533                   5,533  
Common stock issued in connection with acquisition of Southern States Bancshares, Inc. (See Note 2) 368,028     368,028     8,124     359,904          
Repurchase of common stock (23,867)     (23,867)     (494)     (23,373)          
Stock-based compensation expense 3,754     3,754     1     3,753          
Restricted stock units and performance-based restricted stock units vested, net of taxes   $ (123)     $ (123)     $ 9     $ (132)        
Shares issued under employee stock purchase program 473     473     9     464          
Dividends declared (10,260)     (10,260)                 (10,260)    
Ending balance at Sep. 30, 2025 $ 1,978,136     $ 1,978,043     $ 53,457     $ 1,163,164     $ 799,900 $ (38,478) $ 93
v3.25.3
Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Statement of Stockholders' Equity [Abstract]        
Dividends declared (in dollars per share) $ 0.19 $ 0.17 $ 0.57 $ 0.51
v3.25.3
Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Cash flows from operating activities:    
Net income attributable to FB Financial Corporation and noncontrolling interest $ 65,653 $ 78,157
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization of fixed assets and software 8,820 8,957
Amortization of core deposit and other intangibles 3,366 2,260
Amortization of subordinated debt issuance costs and fair value premium, net 556 290
Capitalization of mortgage servicing rights (2,498) (4,067)
Net change in fair value of mortgage servicing rights 14,696 11,219
Stock-based compensation expense 11,567 7,261
Provision for credit losses on loans HFI 30,761 7,648
Provision for (reversal of) credit losses on unfunded commitments 11,285 (2,728)
Provision for mortgage loan repurchases 233 200
Accretion of discounts and premiums on acquired loans, net (6,965) (538)
(Accretion) amortization of premiums and discounts on securities, net (2,183) 2,787
Loss from investment securities, net 60,521 56,378
Originations of loans held for sale (1,012,802) (913,315)
Proceeds from sale of loans held for sale 989,777 911,650
Gain on sale and change in fair value of loans held for sale (28,780) (26,008)
Net loss on write-downs of premises and equipment, other real estate owned and other assets 1,035 5
Provision for deferred income taxes (4,910) (3,895)
Equity method investment loss 1,733 0
Earnings on bank-owned life insurance (1,589) (3,296)
Changes in:    
Operating lease assets and liabilities, net (432) (1,110)
Other assets and interest receivable (8,585) (12,170)
Accrued expenses and other liabilities (28,210) 4,985
Net cash provided by operating activities 103,049 124,670
Activity in available-for-sale securities:    
Sales 266,894 526,076
Maturities, prepayments and calls 217,865 224,070
Purchases (289,601) (823,976)
Proceeds from sales of equity securities 1,345 0
Net change in loans (432,487) (73,631)
Net purchases of FHLB stock (6)  
Net redemptions of FHLB stock   1,331
Purchases of premises and equipment (7,215) (4,977)
Proceeds from the sale of premises and equipment 1,850 489
Proceeds from the sale of other real estate owned 5,071 1,846
Purchase of equity method securities 0 (10,000)
Proceeds from the sale of other assets 841 898
Proceeds from bank-owned life insurance 690 7,272
Net cash acquired in business combinations 370,147 0
Net cash provided by (used in) investing activities 135,394 (150,602)
Cash flows from financing activities:    
Net increase in deposits 133,991 423,427
Net increase (decrease) in securities sold under agreements to repurchase and federal funds purchased 93,987 (89,056)
Repayment of Bank Term Funding Program borrowings 0 (130,000)
Redemptions on subordinated debt (130,930) 0
Stock-based compensation withholding payments (2,787) (1,787)
Net proceeds from sale of common stock under employee stock purchase program 897 882
Repurchase of common stock (68,013) (12,699)
Dividends paid on common stock (27,729) (23,847)
Dividend equivalent payments made upon vesting of equity compensation (306) (162)
Noncontrolling interest distribution (8) (8)
Net cash (used in) provided by financing activities (898) 166,750
Net change in cash and cash equivalents 237,545 140,818
Cash and cash equivalents at beginning of the period 1,042,488 810,932
Cash and cash equivalents at end of the period 1,280,033 951,750
Supplemental cash flow information:    
Interest paid 240,014 229,275
Taxes paid, net 12,393 34,173
Supplemental noncash disclosures:    
Transfers from loans HFI to other real estate owned 5,272 2,400
Transfers from loans HFI to other assets 4,534 3,316
Transfers from loans HFI to loans held for sale 5,306 167
Transfers from loans held for sale to loans HFI 7,481 1,850
Loans HFI provided for sales of other assets 2,074 924
(Decrease) increase in rebooked GNMA loans under optional repurchase program (9,697) 9,308
Stock consideration paid in business combination 368,028 0
Trade date payable - securities 25,036 0
Trade date receivable - securities 0 365
Dividends declared not paid on restricted stock units and performance stock units 309 279
Right-of-use assets obtained in exchange for operating lease liabilities $ 6,404 $ 3,925
v3.25.3
Basis of Presentation
 9 Months Ended
Sep. 30, 2025
Accounting Policies [Abstract]  
Basis of Presentation Basis of presentation
Overview and presentation
FB Financial Corporation is a financial holding company headquartered in Nashville, Tennessee. The Company operates primarily through its wholly-owned subsidiary bank, FirstBank and its subsidiaries. As of September 30, 2025, the Bank had 91 full-service branches throughout Tennessee, Alabama, Kentucky and Georgia, and provided commercial and consumer banking services to the Asheville, North Carolina market.
The unaudited consolidated financial statements, including the notes thereto, have been prepared in accordance with U.S. GAAP interim reporting requirements and general banking industry guidelines, and therefore, do not include all information and notes included in the annual consolidated financial statements in conformity with GAAP. These interim consolidated financial statements and notes thereto should be read in conjunction with the Company’s audited consolidated financial statements and accompanying notes included in the Company’s Annual Report on Form 10-K.
The unaudited consolidated financial statements include all adjustments, consisting of normal recurring adjustments, necessary for a fair presentation of the results for the interim periods. The results for interim periods are not necessarily indicative of results for a full year.
In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated financial statements and the reported results of operations for the reporting periods and the related disclosures. Although management’s estimates contemplate current conditions and how they are expected to change in the future, it is reasonably possible that actual conditions could vary from those anticipated, which could cause the Company’s financial condition and results of operations to vary significantly from those estimates.
Certain prior period amounts have been reclassified to conform to the current period presentation without any impact on the reported amounts of net income or shareholders’ equity.
Earnings per common share
Basic EPS excludes dilution and is computed by dividing earnings attributable to common shareholders by the weighted average number of common shares outstanding during the period. Diluted EPS includes the dilutive effect of additional potential common shares issuable under stock-based compensation plans where securities have been granted but are not yet vested and distributable. Diluted EPS is computed by dividing earnings attributable to common shareholders by the weighted average number of common shares outstanding for the period, plus an incremental number of common-equivalent shares computed using the treasury stock method.
The following is a summary of the basic and diluted earnings per common share calculations for each of the periods presented:
 Three Months Ended September 30,Nine Months Ended September 30,
 2025 2024 20252024
Basic earnings per common share:
Earnings available to common shareholders$23,375 $10,220 $65,645 $78,149 
Weighted average basic shares outstanding53,627,997 46,650,563 48,775,217 46,762,213 
Basic earnings per common share$0.44 $0.22 $1.35 $1.67 
Diluted earnings per common share:
Earnings available to common shareholders$23,375 $10,220 $65,645 $78,149 
Weighted average basic shares outstanding53,627,997 46,650,563 48,775,217 46,762,213 
Weighted average diluted shares contingently issuable(1)
329,065 152,767 279,231 111,824 
Weighted average diluted shares outstanding53,957,062 46,803,330 49,054,448 46,874,037 
Diluted earnings per common share$0.43 $0.22 $1.34 $1.67 
(1) Excludes 56 restricted stock units outstanding considered to be antidilutive for the nine months ended September 30, 2025 and 4 and 904 restricted stock units outstanding considered to be antidilutive for the three and nine months ended September 30, 2024, respectively. There were no such restricted units outstanding for the three months ended September 30, 2025.

Recently modified accounting polices:
During the nine months ended September 30, 2025, the Company modified the below referenced existing accounting policies around changes to the estimation techniques and certain related inputs and assumptions used in estimating its expected credit losses on its loan portfolios and unfunded commitments. These changes represent a change in accounting estimate under ASC 250, “Accounting Changes and Error Corrections”, are applied prospectively in the period of change and did not have a material effect on the Company’s consolidated financial statements.
(A) Allowance for credit losses
The allowance for credit losses represents the portion of the loan’s amortized cost basis that the Company does not expect to collect due to credit losses over the loan’s life, considering past events, current conditions, and reasonable and supportable forecasts of future economic conditions. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.
The allowance for credit losses is based on the loan's amortized cost basis, excluding accrued interest receivable, as the Company promptly charges off uncollectible accrued interest receivable. Management’s determination of the appropriateness of the allowance is based on periodic evaluation of the loan portfolio, lending-related commitments and other relevant factors, including macroeconomic forecasts and historical loss rates. The Company’s estimates of credit losses incorporate forward-looking macroeconomic projections throughout the reasonable and supportable forecast period and the subsequent historical reversion at the macroeconomic variable input level. The contractual term of the loan is adjusted for estimated prepayments based on market information and the Company’s prepayment history is incorporated in the estimate of the life of a loan. In the future, the Company may update information and forecasts that may cause significant changes in the estimate in those future quarters.
Prior to June 30, 2025, the Company calculated its expected credit loss estimate using a lifetime loss rate methodology. The Company utilized probability-weighted forecasts, which considered multiple macroeconomic variables from Moody’s that were applicable to each type of loan. Refer to Note 1, “Basis of presentation and summary of significant accounting policies” in the Company's Annual Report on Form 10-K for the year ended December 31, 2024, for a detailed discussion regarding ACL methodology.
Following a periodic review of its credit loss estimation process, the Company concluded that a discounted cash flow estimation technique, adjusted for current conditions and reasonable and supportable forecasts, is a more preferred approach for estimating the expected credit losses of its loan segments, except consumer and other loans, which as of June 30, 2025, utilize the weighted average remaining maturity loss rate technique. The applicable CECL estimation technique is used to estimate the expected credit loss for off-balance sheet commitments for each loan segment. As part of the updates to estimation techniques, management updated certain related inputs and assumptions used to estimate the expected credit loss. The Company determined that the use of the updated estimate techniques and related inputs
and assumptions enhances the transparency, accuracy and relevance of information relating to its allowance for credit losses through the application of data and calculations more clearly calibrated to the Company’s historical experience, the nature of its loan portfolio and unfunded commitments, and expectations for future economic conditions and corresponding expected credit losses.
The changes in the estimation techniques and certain related inputs and assumptions used in the determination of the Company’s expected credit losses on its loan portfolio and unfunded commitments did not have a material impact to the Company’s operating results and financial condition. The provision for credit losses for the nine months ended September 30, 2025, reflects this change in estimate and is accounted for prospectively. CECL estimates, similar to the Company’s other significant estimates, utilize inputs and assumptions that are subject to inherent estimation uncertainties and the Company may update inputs and assumptions based on portfolio composition, performance data, economic forecasts or other CECL components, consistent with the requirements of ASC 326, that may cause significant changes in CECL estimates in the future periods.
The discounted cash flow estimation technique pairs loan-level contractual term information including maturity date, payment amount and interest rate with pool level assumptions such as default rates, severity rates and prepayment speeds to estimate expected cash flows for the pool. The Company continues to utilize Moody’s forecast inputs to forecast losses during the reasonable and supportable period and reversion period that provided the strongest correlation to the Company and its peers’ historical losses. Examples of these forecast inputs include national unemployment, national housing price index, national commercial real estate index and prime rates. All significant model assumptions are recalibrated at least annually and approved by the ACL Committee.
For calculation purposes, the Company disaggregates the portfolio utilizing segmentation based primarily on FFIEC Call report segmentation, specifically following call code loan categorization. Portfolio segments may consist of multiple call codes or subsets of call codes where specific risk characteristics can be identified and segregated for modeling purposes. The primary portfolio segments include:
Commercial and industrial loans. Commercial and industrial loans are typically made to small and medium-sized manufacturing, wholesale, retail and service businesses, and farmers for working capital and operating needs and business expansions. This category also includes loans secured by manufactured housing receivables made primarily to manufactured housing communities. Commercial and industrial loans generally include lines of credit and loans with maturities of five years or less. Commercial and industrial loans are generally made with operating cash flows as the primary source of repayment, but also include collateralization by inventory, accounts receivable, equipment and personal guarantees. This loan segment also includes the Company’s farmland and agriculture loans are underwritten with various terms and payment schedules and are generally collateralized by real estate, crop production, or other related assets.
Construction loans. Construction loans include commercial construction, land acquisition and land development loans and single-family interim construction loans to small and medium-sized businesses and individuals. These loans are generally secured by the land, or the real property being built and are made based on the Company’s assessment of the value of the property on an as-completed basis and repayment depends upon project completion and sale, refinancing, or operation of the real estate.
1-4 family mortgage loans. The Company’s residential real estate 1-to-4 family mortgage loans are primarily made with respect to and secured by single family homes in a first lien position which are both owner-occupied and investor owned. This pool also includes 100% financed mortgages that consist of 1-to-4 family mortgages that are originated under a 100% financing program for first time home buyers. 100% financed mortgages loans are further evaluated separately from the 1-4 family mortgage pool due to high initial loan value. This pool also includes the Company’s manufactured housing loans secured by real estate collateral. Repayment of loans in this loan segment are primarily dependent upon the cash flow of the borrower and the value of the property.
Residential line of credit loans. The Company’s residential line of credit loans includes junior liens consist of revolving lines of credit and term notes that are typically not in first position for liquidation preference. Repayment depends primarily on the cash flow of the borrower as well as the value of the real estate collateral.
Multi-family residential loans. The Company’s multi-family residential loans are primarily secured by multi-family properties, such as apartments and condominium buildings. Repayment depends primarily upon the cash flow of the borrower as well as the value of the real estate collateral.
Commercial real estate owner-occupied loans. The Company’s commercial real estate owner-occupied loans include loans to finance commercial real estate owner occupied properties for various purposes including use as offices,
warehouses, production facilities, health care facilities, retail centers, restaurants, and church facilities. Commercial real estate owner-occupied loans are typically repaid through the ongoing business operations of the borrower.
Commercial real estate non-owner occupied loans. The Company’s commercial real estate non-owner occupied loans include loans to finance commercial real estate investment properties for various purposes including use as offices, warehouses, health care facilities, hotels, mixed-use residential/commercial, manufactured housing communities, retail centers, multifamily properties, and assisted living facilities. Commercial real estate non-owner occupied loans are typically repaid with the funds received from the sale or refinancing of the property or rental income from such property.
Consumer and other loans. The Company’s consumer and other loans include loans to individuals for personal, family and household purposes, including car, boat and other recreational vehicle loans and personal lines of credit. Consumer loans are generally secured by vehicles and other household goods, with repayment depending primarily on the cash flow of the borrower. Consumer and other loans also include manufactured housing loans which are comprised of loans collateralized by manufactured housing not secured by real estate. These manufacturing housing loans exhibit risk characteristics similar to both 1-to-4 family loans and consumer loans and are therefore further evaluated in a separate pool. Repayment is dependent upon the cash flow of the borrower and the value of the property. Other loans include municipal loans to states and political subdivisions in the U.S. and are repaid through tax revenues or refinancing.
The discounted cash flow models estimate the net present value and is compared to the amortized cost of the pool with the resulting difference between the net present value and amortized cost as the initial modeled quantitative expected credit loss estimate for such pools.
The Company considers the need to qualitatively adjust its modeled quantitative expected credit loss estimate for information not otherwise captured in the model loss estimation process. These qualitative factor adjustments may increase or decrease the Company’s estimate of expected credit losses. The Company considers the qualitative factors that are relevant to the institution as of the reporting date, which may include, but are not limited to: levels of and trends in delinquencies and performance of loans; levels of and trends in write-offs and recoveries collected; trends in volume and terms of loans; effects of any changes in reasonable and supportable economic forecasts; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and expertise; available relevant information sources that contradict the Company’s own forecast; effects of changes in prepayment expectations or other factors affecting assessments of loan contractual terms; industry conditions; and effects of changes in credit concentrations.
A loan may require an individual evaluation when it is placed on nonaccrual status or no longer exhibits similar risk characteristics. These risk characteristics may include payment performance, internal or external credit scores, collateral type, effective interest rate or term among others. A loan is deemed collateral-dependent when the borrower is experiencing financial difficulty and the repayment is expected to be primarily through sale or operation of the collateral. The allowance for credit losses for collateral-dependent loans as well as loans where foreclosure is probable is calculated as the amount for which the amortized cost basis exceeds fair value of the underlying collateral. Fair value is determined based on appraisals performed by qualified appraisers and reviewed by qualified personnel. In cases where repayment is to be provided substantially through the sale of collateral, the Company reduces the fair value by the estimated costs to sell.
The Company evaluates all loan modifications according to the accounting guidance for loan refinancing and modifications to determine whether the modification should be accounted for as a new loan or a continuation of the existing loan. The Company derecognizes the existing loan and accounts for the modified loan as a new loan if the effective yield on the modified loan is at least equal to the effective yield for comparable loans with similar collection risks and the modifications to the original loan are more than minor. If a loan modification does not meet these conditions, it extends the existing loan’s amortized cost basis and accounts for the modified loan as a continuation of the existing loan. Substantially all of its loan modifications involving borrowers experiencing financial difficulty are accounted for as a continuation of the existing loan.
See Note 4, “Loans and allowance for credit losses” for additional details related to the Company's allowance for credit losses.
(B) Off-balance sheet financial instruments
Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to
loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded, unless considered derivatives.
For loan commitments that are not accounted for as derivatives and when the obligation is not unconditionally cancellable by the Company, the Company applies the CECL methodology to estimate the expected credit loss for off-balance sheet commitments. The estimate of expected credit losses for off-balance sheet credit commitments is recognized as a liability. When the loan is funded, an allowance for expected credit losses is estimated for that loan using the CECL methodology, and the liability for off-balance sheet commitments is reduced. When applying the CECL methodology to estimate the expected credit loss, the Company considers the likelihood that funding will occur, the contractual period of exposure to credit loss, the risk of loss, historical loss experience, and current conditions along with expectations of future economic conditions.
See Note 11, “Commitments and contingencies” for additional details related to the Company's off-balance sheet financial instruments.
Recently adopted accounting standards:
In November 2023, the FASB issued ASU 2023-07, “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures.” The amendments in this update are intended to improve reportable segment disclosure requirements, primarily through enhanced disclosures about significant expenses. The ASU requires disclosures to include significant segment expenses that are regularly provided to the chief operating decision maker, a description of other segment items by reportable segment, and any additional measures of a segment's profit or loss used by the chief operating decision maker when deciding how to allocate resources. The ASU also requires all annual disclosures currently required by Topic 280, “Segment Reporting,” to be included in interim periods. The Company adopted this standard effective December 31, 2024, for annual financial statements and subsequent interim periods beginning in 2025, and retrospectively updated its disclosures. Refer to Note 12 for further information. The adoption of this standard did not have a material impact on the Company's consolidated financial statements.
In December 2023, the FASB issued ASU 2023-08, “Intangibles – Goodwill and Other-Crypto Assets (Subtopic 350-60): Accounting for and Disclosure of Crypto Assets.” This update requires entities to present crypto assets measured at fair value separately from other intangible assets on the balance sheet and reflect changes from remeasurement in net income. Additionally, an entity that receives crypto assets as noncash consideration in the ordinary course of business and converts them nearly immediately into cash is required to classify those cash receipts as cash flows from operating activities. Lastly, the update requires entities to provide interim and annual disclosures about the types of crypto assets they hold and any changes in their holdings of crypto assets. This guidance became effective January 1, 2025. Currently, the Company does not hold or facilitate transactions with crypto assets; however, if circumstances change the Company will evaluate any crypto asset activities and the applicable consolidated financial statement and disclosure requirements in accordance with the guidance.
Newly issued not yet effective accounting standards:
In December 2023, the FASB issued ASU 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures.” The amendments in this update enhance the transparency and decision usefulness of income tax disclosures. This ASU requires disclosures of specific categories and disaggregation of information in the rate reconciliation table. The ASU also requires disclosure of disaggregated information related to income taxes paid, income or loss from continuing operations before income tax expense or benefit, and income tax expense or benefit from continuing operations. The requirements of the ASU are effective for annual periods beginning after December 15, 2024. Early adoption is permitted, and the amendments should be applied on a prospective basis. Retrospective application is permitted. While the Company continues to evaluate the impact, ASU 2023-09 is not expected to have a material impact on the Company’s income tax disclosures.
In November 2024, the FASB issued ASU 2024-03, “Income Statement – Reporting Comprehensive Income – Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses.” This update is intended to provide investors more detailed disclosures around specific types of expenses. This ASU requires certain details for expenses presented on the face of the consolidated statements of income as well as selling expenses to be presented in the notes to the consolidated financial statements. This update is effective for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027, with early adoption permitted. The disclosure updates are required to be applied prospectively with the option for retrospective application. The Company is evaluating the impact this will have on the Company's consolidated financial statements and related disclosures.
Subsequent events
The Company has evaluated, for consideration of recognition or disclosure, subsequent events that occurred through the date of issuance of these financial statements. The Company has determined that there were no subsequent events that occurred after September 30, 2025, but prior to the issuance of these financial statements that would have a material impact on the Company’s consolidated financial statements.
v3.25.3
Mergers and Acquisitions
 9 Months Ended
Sep. 30, 2025
Business Combination, Asset Acquisition, Transaction between Entities under Common Control, and Joint Venture Formation [Abstract]  
Mergers and Acquisitions Mergers and acquisitions:
The merger with Southern States Bancshares, Inc. was accounted for pursuant to ASC 805, “Business Combinations”. Accordingly, the purchase price of the merger was allocated to the acquired assets and liabilities assumed based on estimated fair values as of July 1, 2025. The excess of the purchase price over the net assets acquired was recorded as goodwill.
Effective July 1, 2025, the Company completed its merger with Southern States Bancshares, Inc. and its wholly-owned subsidiary, Southern States Bank, with FB Financial Corporation continuing as the surviving entity. After consolidating duplicative locations, the merger added 13 branches and expanded the Company’s footprint in Alabama and Georgia. Under the terms of the agreement, the Company acquired total assets of $2,830,374, total loans of $2,267,305 and assumed total deposits of $2,468,530. The Company transferred consideration of $368,028 through a combination of the issuance of 8,124,241 shares of common stock and payment of $327 in cash to settle outstanding stock options and cash in lieu of fractional shares.
The calculation of goodwill is subject to change for up to one year after the date of acquisition as additional information relative to the closing date estimates and uncertainties become available. As such, goodwill recorded in connection with the Southern States merger is not final and subject to change if additional information becomes available during the measurement period. Additionally, the final goodwill calculation may be impacted by the completion of the final tax return for Southern States, along with the review of certain contracts acquired or assumed. Preliminary goodwill of $107,792 was recorded in connection with the transaction. The goodwill is not deductible for income tax purposes. Goodwill is included in the Banking segment as substantially all of the operations resulting from the merger with Southern States are in alignment with the Company’s banking business.
The Company recognized a core deposit intangible of $30,820 and is amortizing the intangible asset over its estimated useful life of 10 years using the sum of years digits method.
The Company incurred $16,057 and $19,192 in merger expenses during the three and nine months ended September 30, 2025, respectively, in connection with this transaction. These expenses are primarily comprised of legal and professional fees, severance and other employee-related costs, costs associated with branch consolidation and integration costs. Additional merger-related and integration costs will be expensed in future periods as incurred.
The following table presents an allocation of the consideration to net assets acquired:
Purchase Price:
Net shares issued8,124,241 
Purchase price per share on June 30, 2025$45.30 
Value of stock consideration$368,028 
Cash consideration for outstanding stock options and fractional shares 327 
Total purchase price$368,355 
Fair value of net assets acquired260,563 
Goodwill resulting from merger$107,792 
Net assets acquired
The following table summarizes the preliminary fair values of assets acquired and liabilities assumed as of the merger date:
As of July 1, 2025
Southern States Bancshares, Inc.
ASSETS
Cash and cash equivalents $370,474 
Investments38,175 
Loans held for sale, at fair value756 
Loans HFI2,266,549 
Allowance for credit losses on PCD loans(7,518)
Premises and equipment37,016 
Bank-owned life insurance39,971 
Core deposit intangible30,820 
Other assets54,131 
Total assets$2,830,374 
LIABILITIES
Deposits:
Noninterest-bearing $562,479 
Interest-bearing checking102,666 
Money market and savings1,161,832 
Customer time deposits515,120 
Brokered and internet time deposits126,433 
Total deposits2,468,530 
Borrowings83,008 
Accrued expenses and other liabilities18,273 
Total liabilities assumed2,569,811 
Net assets acquired$260,563 
Purchased credit-deteriorated loans
Under the CECL methodology, the Company is required to determine whether purchased loans held for investment have experienced more-than-insignificant deterioration in credit quality since origination, a PCD loan. Loans that have experienced this level of deterioration in credit quality are subject to special accounting at initial recognition and measurement. The Company initially measures the amortized cost of a PCD loan by adding the acquisition date estimate of expected credit losses to the loan’s purchase price (i.e. the “gross up” approach). There is no provision for credit loss recognized upon acquisition of a PCD loan because the initial allowance is established through gross-up of the loans’ amortized cost.
The Company determined that 17.0% of the Southern States loan portfolio had more-than-insignificant deterioration in credit quality since origination as of the merger date. These PCD loans were primarily loans that were either delinquent, in nonaccrual status or otherwise exhibited signs of credit deterioration prior to the merger.
As of July 1, 2025
Southern States Bancshares, Inc.
Purchased credit-deteriorated loans
Principal balance$402,735 
Allowance for credit losses at acquisition(7,518)
Net discount attributable to other factors(10,381)
Loans purchased credit-deteriorated fair value$384,836 
Loans recognized through acquisition that have not experienced more-than-insignificant credit deterioration since origination (non-PCD loans) are initially recognized at the purchase price. Expected credit losses are measured under CECL through the provision for credit losses. The Company recorded provisions for credit losses in the amounts of $25,123 as of July 1, 2025 in the statement of income related to estimated credit losses on non-PCD loans from Southern States. Additionally, the Company estimates expected credit losses on off-balance sheet loan commitments that are not
accounted for as derivatives. The Company recorded an increase in provision for credit losses on unfunded commitments of $3,243.
Pro forma financial information (unaudited)
The results of operations of Southern States have been included in the Company’s consolidated financial statements prospectively beginning on July 1, 2025. The Company has determined it is impractical to disclose stand-alone revenues and earnings for legacy Southern States subsequent to the merger date, due to the merging of certain processes and converting of operational systems during the third quarter of 2025. The following unaudited pro forma condensed consolidated financial information presents the results of operations for the three and nine months ended September 30, 2025 and 2024, as though the Southern States merger had been completed as of January 1, 2024. The unaudited pro forma information combines the historical results of Southern States with the Company’s previously reported financial results, applies the impact of purchase accounting adjustments from the merger, as well as subsequent recognition of those purchase accounting adjustments, such as accretion from purchased loans, amortization from purchased deposits and debt and amortization of certain acquired intangible assets as if the merger was completed as of January 1, 2024, and excludes $28,366 of initial provision expense for credit losses on acquired loans and unfunded commitments from the third quarter of 2025 and instead includes such expenses in the first quarter of 2024. Merger expenses are reflected in the period in which they were incurred. The pro forma information presented below are hypothetical and is not intended to be indicative of the results of operations that would have occurred had the transaction been effective as of the assumed date. Additionally, these results do not include any effect of cost-saving or revenue-enhancing strategies.
Three Months Ended September 30,Nine Months Ended September 30,
2025 2024 2025 2024 
Net interest income$143,783 $134,597 $419,954 $389,691 
Total revenues170,418 119,857 426,430 410,887 
Net income applicable to FB Financial Corporation41,977 19,716 90,846 88,578 
v3.25.3
Investment Securities
 9 Months Ended
Sep. 30, 2025
Investments, Debt and Equity Securities [Abstract]  
Investment Securities Investment securities
The following tables summarize the amortized cost, allowance for credit losses and fair value of the AFS debt securities and the corresponding amounts of unrealized gains and losses recognized in accumulated other comprehensive loss, net at September 30, 2025 and December 31, 2024:  
September 30, 2025
 Amortized cost Gross unrealized gains Gross unrealized losses Allowance for credit losses on investments Fair Value
Investment Securities    
AFS debt securities  
U.S. government agency securities$656,685 $31 $(3,519)$— $653,197 
Mortgage-backed securities - residential619,439 511 (32,363)— 587,587 
Mortgage-backed securities - commercial 11,201 8 (528)— 10,681 
Municipal securities185,472 480 (20,541)— 165,411 
U.S. Treasury securities7,061 19 — — 7,080 
Corporate securities2,983 17 (5)— 2,995 
Total$1,482,841 $1,066 $(56,956)$— $1,426,951 
December 31, 2024
 Amortized costGross unrealized gains Gross unrealized losses Allowance for credit losses on investmentsFair Value
Investment Securities    
AFS debt securities    
U.S. government agency securities$564,752 $172 $(1,917)$— $563,007 
Mortgage-backed securities - residential927,883 393 (117,277)— 810,999 
Mortgage-backed securities - commercial15,965 — (1,108)— 14,857 
Municipal securities169,498 20 (21,661)— 147,857 
U.S. Treasury securities299 — — — 299 
Corporate securities1,000 — (11)— 989 
Total$1,679,397 $585 $(141,974)$— $1,538,008 
The components of amortized cost for AFS debt securities on the consolidated balance sheets exclude accrued interest receivable as the Company has elected to present accrued interest receivable separately on the consolidated balance sheets. As of September 30, 2025 and December 31, 2024, total accrued interest receivable on AFS debt securities was $5,246 and $6,401, respectively.
AFS debt securities pledged at September 30, 2025 and December 31, 2024 had carrying amounts of $818,235 and $937,043, respectively, and were pledged to secure public deposits and repurchase agreements.
Within AFS debt securities, there were no aggregate holdings of any single issuer, other than U.S. Government sponsored enterprises, in an amount greater than 10% of shareholders’ equity during any period presented.
AFS debt securities transactions are recorded as of the trade date. At both September 30, 2025 and December 31, 2024, there were no trade date receivables related to sales settled after period end. At September 30, 2025, there were $25,036 of trade date payables that related to purchases settled after period end. At December 31, 2024, there were no such trade date payables.
The following tables show gross unrealized losses on AFS debt securities for which an allowance for credit losses has not been recorded at September 30, 2025 and December 31, 2024, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position:
September 30, 2025
 Less than 12 months12 months or moreTotal
 Fair ValueGross Unrealized Loss Fair ValueGross Unrealized LossFair ValueGross Unrealized Loss
U.S. government agency securities$547,360 $(2,712)$71,347 $(807)$618,707 $(3,519)
Mortgage-backed securities - residential191,440 (1,976)165,468 (30,387)356,908 (32,363)
Mortgage-backed securities - commercial— — 8,795 (528)8,795 (528)
Municipal securities5,050 (25)135,571 (20,516)140,621 (20,541)
Corporate securities— — 995 (5)995 (5)
Total$743,850 $(4,713)$382,176 $(52,243)$1,126,026 $(56,956)
 December 31, 2024
 Less than 12 months12 months or moreTotal
 Fair ValueGross Unrealized LossFair ValueGross Unrealized LossFair ValueGross Unrealized Loss
U.S. government agency securities$494,885 $(1,908)$714 $(9)$495,599 $(1,917)
Mortgage-backed securities - residential209,078 (8,956)441,502 (108,321)650,580 (117,277)
Mortgage-backed securities - commercial2,222 (19)12,635 (1,089)14,857 (1,108)
Municipal securities34,059 (2,376)110,173 (19,285)144,232 (21,661)
Corporate securities— — 989 (11)989 (11)
Total$740,244 $(13,259)$566,013 $(128,715)$1,306,257 $(141,974)
As of September 30, 2025 and December 31, 2024, the Company’s AFS debt securities portfolio consisted of 322 and 271 individual securities, 214 and 248 of which were in an unrealized loss position, respectively.
The Company has historically not recorded any credit losses in AFS debt securities as the majority of the investment portfolio was either government guaranteed, an issuance of a government sponsored entity or highly rated by major credit rating agencies. Municipal debt securities with market values below amortized cost at September 30, 2025 and December 31, 2024 were reviewed for material credit events and/or rating downgrades with individual credit reviews performed. The issuers of these municipal debt securities continue to make timely principal and interest payments under the contractual terms of the securities and the issuers will continue to be observed as a part of the Company’s ongoing credit monitoring. As such, as of September 30, 2025 and December 31, 2024, it was determined that all AFS debt securities that experienced a decline in fair value below amortized cost basis were due to noncredit-related factors. Further, it is not likely that the Company will be required to sell these securities before recovery of their amortized cost basis. Therefore, no allowance for credit losses was recognized on AFS debt securities as of September 30, 2025 or December 31, 2024. Periodically, AFS debt securities may be sold, or the composition of the portfolio realigned to improve yields, quality or marketability, or to implement changes in investment or asset/liability strategy, including maintaining collateral requirements and raising funds for liquidity purposes or preparing for anticipated changes in market interest rates.
The amortized cost and fair value of AFS debt securities by contractual maturity as of September 30, 2025 and December 31, 2024 are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
September 30,December 31,
 2025 2024 
 Available-for-saleAvailable-for-sale
 Amortized costFair ValueAmortized costFair Value
Due in one year or less$205 $203 $849 $847 
Due in one to five years14,433 14,445 4,186 4,600 
Due in five to ten years346,312 342,997 225,954 222,943 
Due in over ten years491,251 471,038 504,560 483,762 
852,201 828,683 735,549 712,152 
Mortgage-backed securities - residential619,439 587,587 927,883 810,999 
Mortgage-backed securities - commercial11,201 10,681 15,965 14,857 
Total AFS debt securities$1,482,841 $1,426,951 $1,679,397 $1,538,008 
Sales and other dispositions of AFS debt securities were as follows:
 Three Months Ended September 30,Nine Months Ended September 30,
 2025 2024 2025 2024 
Proceeds from sales$440 $318,194 $266,894 $526,076 
Proceeds from maturities, prepayments and calls83,204 89,834 217,865 224,070 
Gross realized gains— — 104 90 
Gross realized losses— 40,165 60,637 56,468 
Equity Securities
Equity securities, at fair value
As of September 30, 2025, the Company held $1,450 in marketable equity securities recorded at fair value. There was no such securities as of December 31, 2024.
The change in the fair value of equity securities recorded at fair value resulted in a net gain of $12 for both the three and nine months ended September 30, 2025. There was no such amounts recognized for the three and nine months ended September 30, 2024.
Restricted equity securities, at cost
The table below represents the Company’s restricted equity securities held at cost as of September 30, 2025 and December 31, 2024.
 September 30,December 31,
 20252024
FHLB stock$34,813 $32,749 
First National Banker's Bankshares, Inc. stock1,168 — 
Pacific Coast Banker's Bank stock250 — 
Total restricted equity securities, at cost$36,231 $32,749 
Equity securities without readily determinable market value
The Company held equity securities without a readily determinable market value included in other assets on the consolidated balance sheets with carrying amounts of $28,703 and $23,459 at September 30, 2025 and December 31, 2024, respectively.
Equity method investment
The Company holds equity securities of a privately held entity which originates manufactured housing loans through utilization of its proprietary technology. As of September 30, 2025 and December 31, 2024, the Company has the ability to exercise significant influence over this entity and therefore accounts for these equity securities under the equity method. Under this method, the carrying value of the investment is adjusted to reflect the Company’s proportionate share of the investee's profit or loss. This investment is reported in other assets on the consolidated balance sheets with carrying amounts of $18,237 and $19,970 as of September 30, 2025 and December 31, 2024, respectively. The Company’s investment includes a basis difference of $17,103, which is accounted for as equity method goodwill.
v3.25.3
Loans and Allowance for Credit Losses on Loans HFI
 9 Months Ended
Sep. 30, 2025
Receivables [Abstract]  
Loans and Allowance for Credit Losses on Loans HFI Loans and allowance for credit losses on loans HFI
Loans outstanding as of September 30, 2025 and December 31, 2024, by class of financing receivable are as follows:
 September 30,December 31,
 2025 2024 
Commercial and industrial$2,155,105 $1,691,213 
Construction1,195,392 1,087,732 
Residential real estate:
1-to-4 family mortgage1,852,626 1,616,754 
Residential line of credit707,303 602,475 
Multi-family mortgage736,424 653,769 
Commercial real estate:
Owner-occupied2,124,920 1,357,568 
Non-owner occupied2,890,233 2,099,129 
Consumer and other635,597 493,744 
Gross loans12,297,600 9,602,384 
Less: Allowance for credit losses on loans HFI(184,993)(151,942)
Net loans$12,112,607 $9,450,442 
As of September 30, 2025 and December 31, 2024, $946,552 and $988,177, respectively, of qualifying residential mortgage loans (including loans held for sale) and $1,762,269 and $1,620,510, respectively, of qualifying commercial mortgage loans were pledged to the FHLB system securing advances against the Bank’s line of credit. Additionally, as of September 30, 2025 and December 31, 2024, qualifying commercial and industrial, construction and consumer loans, of $2,777,841 and $2,561,352, respectively, were pledged to the Federal Reserve under the Borrower-in-Custody program.
The amortized cost of loans HFI on the consolidated balance sheets exclude accrued interest receivable as the Company presents accrued interest receivable separately on the consolidated balance sheets. As of September 30, 2025 and December 31, 2024, accrued interest receivable on loans HFI amounted to $52,549 and $40,970, respectively.
Credit Quality - Commercial Type Loans
The Company categorizes commercial loan types into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans that share similar risk characteristics collectively. Loans that do not share similar risk characteristics may be evaluated individually.
The Company uses the following definitions for risk ratings:
Pass.
Loans rated Pass include those that are adequately collateralized performing loans which management believes do not have conditions that have occurred or may occur that would result in the loan being downgraded into an inferior category. The Pass category also includes commercial loans rated as Watch, which include those that management believes have conditions that have occurred, or may occur, which could result in the loan being downgraded to an inferior category.

Special Mention.
Loans rated Special Mention are those that have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the institution’s credit position at some future date. Management does not believe there will be a loss of principal or interest. These loans require intensive servicing and may possess more than normal credit risk.
Classified.
Loans included in the Classified category include loans rated as Substandard and Doubtful. Loans rated as Substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful loans have all the weaknesses inherent in those classified as Substandard, with the added characteristic that the weakness or weaknesses make collection or liquidation in full, based on currently existing facts, conditions, and values, highly questionable and improbable.
Risk ratings are updated on an ongoing basis and are subject to change by continuous loan monitoring processes.
The following tables present the credit quality of the Company’s commercial type loan portfolio as of September 30, 2025 and December 31, 2024 and the gross charge-offs for the nine months ended September 30, 2025 and the year ended December 31, 2024 by year of origination. Revolving loans are presented separately. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal constitutes a current period origination.
As of and for the nine months
    ended September 30, 2025
2025 2024 2023 2022 2021 PriorRevolving Loans Amortized Cost BasisTotal
Commercial and industrial
Pass$262,123 $287,681 $240,254 $144,729 $57,647 $203,087 $861,567 $2,057,088 
Special Mention2,023 2,205 5,311 13,784 1,075 15,697 5,996 46,091 
Classified452 2,199 7,210 28,853 284 4,470 8,458 51,926 
Total264,598 292,085 252,775 187,366 59,006 223,254 876,021 2,155,105 
            Current-period gross
               charge-offs		— — 54 — — 2,413 604 3,071 
Construction
Pass251,643 233,754 77,666 260,663 114,563 179,489 91 1,117,869 
Special Mention— 1,067 3,304 17,698 10,129 4,162 — 36,360 
Classified— 153 2,916 18,284 243 19,567 — 41,163 
Total251,643 234,974 83,886 296,645 124,935 203,218 91 1,195,392 
            Current-period gross
               charge-offs		— — — — — — 399 399 
Residential real estate:
Multi-family mortgage
Pass36,254 36,045 38,514 246,213 208,116 161,957 — 727,099 
Special Mention— — — — — — — — 
Classified— — — 592 8,715 18 — 9,325 
Total36,254 36,045 38,514 246,805 216,831 161,975 — 736,424 
             Current-period gross
                charge-offs		— — — — — — — — 
Commercial real estate:
Owner occupied
Pass258,439 320,426 216,259 355,833 291,000 561,544 80,743 2,084,244 
Special Mention— 408 4,491 1,369 6,229 14,691 290 27,478 
Classified— — 427 7,938 120 4,713 — 13,198 
Total258,439 320,834 221,177 365,140 297,349 580,948 81,033 2,124,920 
            Current-period gross
              charge-offs		— — — — — 17 — 17 
Non-owner occupied
Pass194,723 238,750 126,491 678,639 536,518 846,729 230,228 2,852,078 
Special Mention— — 4,783 8,410 4,559 10,054 — 27,806 
Classified— — 1,008 — 4,594 4,747 — 10,349 
Total194,723 238,750 132,282 687,049 545,671 861,530 230,228 2,890,233 
             Current-period gross
                charge-offs		— — — — — — — — 
Total commercial loan types
Pass1,003,182 1,116,656 699,184 1,686,077 1,207,844 1,952,806 1,172,629 8,838,378 
Special Mention2,023 3,680 17,889 41,261 21,992 44,604 6,286 137,735 
Classified452 2,352 11,561 55,667 13,956 33,515 8,458 125,961 
Total$1,005,657 $1,122,688 $728,634 $1,783,005 $1,243,792 $2,030,925 $1,187,373 $9,102,074 
            Current-period gross
                charge-offs		$— $— $54 $— $— $2,430 $1,003 $3,487 
As of and for the year ended
  December 31, 2024 		2024 2023 2022 2021 2020 PriorRevolving Loans Amortized Cost BasisTotal
Commercial and industrial
Pass$194,185 $182,677 $130,148 $56,460 $29,735 $104,236 $909,398 $1,606,839 
Special Mention2,684 2,425 7,609 277 285 2,015 24,345 39,640 
Classified— 175 19,125 4,424 1,659 6,201 13,150 44,734 
Total196,869 185,277 156,882 61,161 31,679 112,452 946,893 1,691,213 
              Current-period gross
                 charge-offs		— 116 950 506 1,234 7 8,267 11,080 
Construction
Pass190,058 116,122 349,716 99,225 27,616 54,099 199,596 1,036,432 
Special Mention156 87 15,432 389 10 576 — 16,650 
Classified— — 7,314 290 8,335 — 18,711 34,650 
Total190,214 116,209 372,462 99,904 35,961 54,675 218,307 1,087,732 
              Current-period gross
                  charge-offs		— — 122 — — — — 122 
Residential real estate:
Multi-family mortgage
Pass40,076 3,800 232,415 223,076 51,948 69,652 21,883 642,850 
Special Mention— — — — — — — — 
Classified— — — 9,919 — 1,000 — 10,919 
Total40,076 3,800 232,415 232,995 51,948 70,652 21,883 653,769 
             Current-period gross
                 charge-offs		— — — — — — — — 
Commercial real estate:
Owner occupied
Pass185,416 103,060 247,049 215,798 102,580 396,288 84,226 1,334,417 
Special Mention— — 1,370 2,582 — 6,133 — 10,085 
Classified— — 6,324 235 61 5,371 1,075 13,066 
Total185,416 103,060 254,743 218,615 102,641 407,792 85,301 1,357,568 
              Current-period gross
                  charge-offs		— — — — — — — — 
Non-owner occupied
Pass198,591 36,027 526,417 445,598 111,943 689,15858,255 2,065,989 
Special Mention— 4,836 — 1,527 — 19,311— 25,674 
Classified— — — 136 — 7,330— 7,466 
Total198,591 40,863 526,417 447,261 111,943 715,799 58,255 2,099,129 
               Current-period gross
                   charge-offs		— — — — — — — — 
Total commercial loan types
Pass808,326 441,686 1,485,745 1,040,157 323,822 1,313,433 1,273,358 6,686,527 
Special Mention2,840 7,348 24,411 4,775 295 28,035 24,345 92,049 
Classified— 175 32,763 15,004 10,055 19,902 32,936 110,835 
Total$811,166 $449,209 $1,542,919 $1,059,936 $334,172 $1,361,370 $1,330,639 $6,889,411 
              Current-period gross
                  charge-offs		— 116 1,072 506 1,234 7 8,267 11,202 
Credit Quality - Consumer Type Loans
For consumer and residential loan classes, the Company primarily evaluates credit quality based on delinquency and accrual status of the loan, credit documentation and by payment activity. The performing or nonperforming status is updated on an on-going basis dependent upon improvement and deterioration in credit quality. Nonperforming loans include loans that are no longer accruing interest (nonaccrual loans) and loans past due ninety or more days and still accruing interest.
The following tables present the credit quality by classification of the Company’s consumer type loan portfolio as of September 30, 2025 and December 31, 2024 and the gross charge-offs for the nine months ended September 30, 2025 and the year ended December 31, 2024 by year of origination. Revolving loans are presented separately. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal constitutes a current period origination.
As of and for the nine months
    ended September 30, 2025
2025 2024 2023 2022 2021 PriorRevolving Loans Amortized Cost BasisTotal
Residential real estate:
1-to-4 family mortgage
Performing$271,131 $229,222 $169,347 $430,061 $347,851 $375,569 $— $1,823,181 
Nonperforming330 920 2,378 8,800 5,974 11,043 — 29,445 
Total271,461 230,142 171,725 438,861 353,825 386,612 — 1,852,626 
          Current-period gross
             charge-offs		— — 4 — — 754 — 758 
Residential line of credit
Performing— — — — — — 704,961 704,961 
Nonperforming— — — — — — 2,342 2,342 
Total— — — — — — 707,303 707,303 
          Current-period gross
             charge-offs		— — — — — — — — 
Consumer and other
Performing134,005 159,677 85,141 72,047 31,276 133,392 355 615,893 
Nonperforming523 3,674 3,733 1,815 3,083 6,876 — 19,704 
       Total134,528 163,351 88,874 73,862 34,359 140,268 355 635,597 
           Current-period gross
              charge-offs		1,434 118 76 104 86 989 4 2,811 
Total consumer type loans
Performing405,136 388,899 254,488 502,108 379,127 508,961 705,316 3,144,035 
Nonperforming853 4,594 6,111 10,615 9,057 17,919 2,342 51,491 
        Total$405,989 $393,493 $260,599 $512,723 $388,184 $526,880 $707,658 $3,195,526 
            Current-period gross
             charge-offs		$1,434 $118 $80 $104 $86 $1,743 $4 $3,569 
As of and for the year ended
  December 31, 2024 		2024 2023 2022 2021 2020 PriorRevolving Loans Amortized Cost BasisTotal
Residential real estate:
1-to-4 family mortgage
Performing$223,520 $165,395 $443,372 $360,188 $129,674 $266,661 $— $1,588,810 
Nonperforming27 941 7,254 6,357 4,192 9,173 — 27,944 
Total223,547 166,336 450,626 366,545 133,866 275,834 — 1,616,754 
           Prior-period gross
               charge-offs		10 54 150 130 67 28 — 439 
Residential line of credit
Performing— — — — — — 600,581 600,581 
Nonperforming— — — — — — 1,894 1,894 
Total— — — — — — 602,475 602,475 
           Prior-period gross
               charge-offs		— — — — — — 73 73 
Consumer and other
Performing139,684 93,817 76,286 35,507 29,387 102,233 652 477,566 
Nonperforming1,300 1,749 1,686 3,139 2,548 5,755 1 16,178 
       Total140,984 95,566 77,972 38,646 31,935 107,988 653 493,744 
            Prior-period gross
               charge-offs		1,593 511 302 278 69 298 — 3,051 
Total consumer type loans
Performing363,204 259,212 519,658 395,695 159,061 368,894 601,233 2,666,957 
Nonperforming1,327 2,690 8,940 9,496 6,740 14,928 1,895 46,016 
       Total$364,531 $261,902 $528,598 $405,191 $165,801 $383,822 $603,128 $2,712,973 
             Prior-period gross
                 charge-offs		1,603 565 452 408 136 326 73 3,563 
Nonaccrual and Past Due Loans
The following tables represent an analysis of the aging by class of financing receivable as of September 30, 2025 and December 31, 2024:
September 30, 202530-89 days
past due and accruing
interest		90 days or 
more and accruing
interest 		Nonaccrual
loans		Loans current
on payments
and accruing
interest 		Total
Commercial and industrial$975 $20 $6,906 $2,147,204 $2,155,105 
Construction5,132 415 30,953 1,158,892 1,195,392 
Residential real estate:
1-to-4 family mortgage24,132 18,159 11,286 1,799,049 1,852,626 
Residential line of credit1,930 496 1,846 703,031 707,303 
Multi-family mortgage— — 9,325 727,099 736,424 
Commercial real estate:
Owner occupied1,875 361 10,639 2,112,045 2,124,920 
Non-owner occupied3,676 — 5,649 2,880,908 2,890,233 
Consumer and other16,909 6,860 12,844 598,984 635,597 
Total$54,629 $26,311 $89,448 $12,127,212 $12,297,600 
 
December 31, 202430-89 days
past due and accruing
interest		90 days or 
more and accruing
interest 		Nonaccrual
loans		Loans current on payments and accruing interest Total
Commercial and industrial$1,204 $730 $9,661 $1,679,618 $1,691,213 
Construction3,288 538 10,915 1,072,991 1,087,732 
Residential real estate:
1-to-4 family mortgage24,376 15,319 12,625 1,564,434 1,616,754 
Residential line of credit2,302 357 1,537 598,279 602,475 
Multi-family mortgage979 — 21 652,769 653,769 
Commercial real estate:
Owner occupied1,996 94 9,551 1,345,927 1,357,568 
Non-owner occupied— 3,512 2,667 2,092,950 2,099,129 
Consumer and other13,710 3,797 12,381 463,856 493,744 
Total$47,855 $24,347 $59,358 $9,470,824 $9,602,384 
The following tables provide the amortized cost basis of loans on nonaccrual status, as well as any related allowance as of September 30, 2025 and December 31, 2024 by class of financing receivable.
September 30, 2025Nonaccrual
with no
related
allowance		Nonaccrual
with
related
allowance
Commercial and industrial$1,173 $5,733 
Construction13,449 17,504 
Residential real estate:
1-to-4 family mortgage— 11,286 
Residential line of credit— 1,846 
Multi-family mortgage8,715 610 
Commercial real estate:
Owner occupied7,137 3,502 
Non-owner occupied5,414 235 
Consumer and other— 12,844 
Total$35,888 $53,560 
December 31, 2024
Nonaccrual
with no
related
allowance		Nonaccrual
with
related
allowance
Commercial and industrial$5,294 $4,367 
Construction1,653 9,262 
Residential real estate:
1-to-4 family mortgage1,562 11,063 
Residential line of credit148 1,389 
Multi-family mortgage— 21 
Commercial real estate:
Owner occupied6,415 3,136 
Non-owner occupied2,224 443 
Consumer and other— 12,381 
Total$17,296 $42,062 
The following presents interest income recognized on nonaccrual loans for the three and nine months ended September 30, 2025 and 2024:
Three Months Ended September 30,Nine Months Ended September 30,
2025202420252024
Commercial and industrial$179 $46 $209 $615 
Construction365 308 867 448 
Residential real estate:
1-to-4 family mortgage70 6 76 40 
Residential line of credit65 1 96 40 
Multi-family mortgage5 — 171 1 
Commercial real estate:
Owner occupied— — 8 124 
Non-owner occupied8 — 120 89 
Consumer and other145 — 204 — 
Total$837 $361 $1,751 $1,357 
Accrued interest receivable written off as an adjustment to interest income amounted to $549 and $1,890 for the three and nine months ended September 30, 2025, respectively, and $128 and $536 for the three and nine months ended September 30, 2024, respectively.
Loan Modifications to Borrowers Experiencing Financial Difficulty
Occasionally, the Company may make certain modifications of loans to borrowers experiencing financial difficulty. These modifications may be in the form of an interest rate reduction, a term extension, principal forgiveness, payment deferral or a combination thereof. Upon the Company’s determination that a modified loan has subsequently been deemed uncollectible, the portion of the loan deemed uncollectible is charged off against the allowance for credit losses on loans HFI. The Company closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. Tables within this section exclude loans that were paid off or are otherwise no longer in the loan portfolio as of period end.
The following table presents the amortized cost of FDM loans as of September 30, 2025 and 2024 by type of concession granted that were modified during the three and nine months ended September 30, 2025 and 2024.

Term ExtensionPayment deferralInterest Rate Reduction
Combination(1)
Total% of total class of financing receivables
Three Months Ended September 30, 2025
Commercial and industrial$6 $— $— $— $6 — %
Construction787 — — — 787 0.1 %
Commercial real estate:
Owner occupied244 — — — 244 — %
Non-owner occupied— 4,594 — — 4,594 0.2 %
Total$1,037 $4,594 $— $— $5,631 — %
Nine Months Ended September 30, 2025
Commercial and industrial$152 $— $— $— $152 — %
Construction1,326 — 142 3,305 4,773 0.4 %
Residential real estate:
1-to-4 family mortgage461 1,832 — — 2,293 0.1 %
Commercial real estate:
Owner occupied244 — — — 244 — %
Non-owner occupied— 4,594 — — 4,594 0.2 %
Consumer and other— — — 63 63 — %
Total$2,183 $6,426 $142 $3,368 $12,119 0.1 %
Three Months Ended September 30, 2024
Commercial and industrial$— $— $— $7,038 $7,038 0.4 %
Construction— — — 1,713 1,713 0.2 %
Total$— $— $— $8,751 $8,751 0.1 %
Nine Months Ended September 30, 2024
Commercial and industrial$— $— $— $7,038 $7,038 0.4 %
Construction— — — 15,908 15,908 1.5 %
Consumer and other38 — — 97 135 — %
Total$38 $— $— $23,043 $23,081 0.2 %
(1) Includes FDM loans modified with a combination of term extension, payment deferral and interest rate reduction modifications.
The following table describes the financial effect of the modifications made to borrowers experiencing financial difficulty:
Three Months Ended September 30, 2025Weighted average term extension
(in months)		Weighted average payment deferral
(in months)		Weighted average interest rate reduction
Commercial and industrial13——%
Construction2——%
Commercial real estate:
Owner occupied3——%
Non-owner occupied—7—%
Nine months ended September 30, 2025Weighted average term extension
(in months)		Weighted average payment deferral
(in months)		Weighted average interest rate reduction
Commercial and industrial35——%
Construction442.50%
Residential real estate:
1-to-4 family mortgage3004—%
Commercial real estate:
Owner occupied3——%
Non-owner occupied—7—
Consumer and other13—2.00%
Three Months Ended September 30, 2024Weighted average term extension
(in months)		Weighted average payment deferral
(in months)		Weighted average interest rate reduction
Commercial and industrial1212—%
Construction36050.10%
Nine Months Ended September 30, 2024Weighted average term extension
(in months)		Weighted average payment deferral
(in months)		Weighted average interest rate reduction
Commercial and industrial1212—%
Construction4430.10%
Consumer and other25—1.49%
For FDM loans, a subsequent payment default is defined as the earlier of the FDM loans being placed on nonaccrual status or reaching 30 days past due with respect to principal and/or interest payments. The following tables depict loans defaulted that were previously modified in the prior 12 months:
Three Months Ended September 30, 2025Term ExtensionPayment deferralInterest Rate Reduction
Combination(1)
Residential real estate:
1-to-4 family mortgage$— $— $— $313 
(1) Includes FDM loans modified with a combination of term extension, payment deferral and interest rate reduction modifications.
Nine Months Ended September 30, 2025Term ExtensionPayment deferralInterest Rate Reduction
Combination(1)
Construction$— $— $142 $— 
Residential real estate:
1-to-4 family mortgage461 — — 313 
Consumer and other— — — 63 
(1) Includes FDM loans modified with a combination of term extension, payment deferral and interest rate reduction modifications.
During the three and nine months ended September 30, 2024, consumer and other loans of $32 defaulted that were previously modified in the prior 12 months by receiving a term extension. At September 30, 2025 and December 31, 2024, the Company did not have any material commitments to lend additional funds to borrowers whose loans were classified as a FDM loan.
The Company closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The tables below depict the performance of loans HFI as of September 30, 2025 and 2024 made to borrowers experiencing financial difficulty that were modified in the prior twelve months.
September 30, 202530-89 days
past due and accruing
interest		90 days or 
more and accruing
interest
Nonaccrual
loans(1)
Loans current
on payments
and accruing
interest 		Total
Commercial and industrial$— $— $— $152 $152 
Construction— — 3,305 1,468 4,773 
Residential real estate:
1-to-4 family mortgage313 — 1,464 1,193 2,970 
Residential line of credit— — — 29 29 
Commercial real estate:
Owner-occupied— — 244 — 244 
Non-owner occupied— — 1,031 3,562 4,593 
Consumer and other— 63 — — 63 
Total$313 $63 $6,044 $6,404 $12,824 
(1) Loans were on nonaccrual when modified and subsequently classified as FDM.
September 30, 202430-89 days
past due and accruing
interest		90 days or 
more and accruing
interest
Nonaccrual
loans(1)
Loans current
on payments
and accruing
interest 		Total
Commercial and industrial$— $— $7,038 $— $7,038 
Construction— — 1,713 14,195 15,908 
Residential real estate:
1-to-4 family mortgage— — 22 — 22 
Consumer and other32 — — 104 136 
Total$32 $— $8,773 $14,299 $23,104 
(1) Loans were on nonaccrual when modified and subsequently classified as FDM.
Collateral-Dependent Loans
For collateral-dependent loans, or those loans for which repayment is expected to be provided substantially through the operation or sale of collateral, where the borrower is also experiencing financial difficulty, the following tables present the loans by class of financing receivable.
September 30, 2025
Type of Collateral
Real EstateLandBusiness AssetsTotal
Commercial and industrial$1,303 $— $23,630 $24,933 
Construction30,001 1,653 — 31,654 
Residential real estate:
1-to-4 family mortgage3,925 — — 3,925 
Multi-family mortgage8,715 — — 8,715 
Commercial real estate:
Owner occupied1,096 6,041 1,664 8,801 
Non-owner occupied16,048 — — 16,048 
Total$61,088 $7,694 $25,294 $94,076 
December 31, 2024
Type of Collateral
Real EstateLandBusiness AssetsTotal
Commercial and industrial$— $— $8,492 $8,492 
Construction22,047 1,653 — 23,700 
Residential real estate:
1-to-4 family mortgage1,843 — — 1,843 
Residential line of credit148 — — 148 
Multi-family mortgage9,919 — — 9,919 
Commercial real estate:
Owner occupied— 6,415 — 6,415 
Non-owner occupied6,886 — — 6,886 
Total$40,843 $8,068 $8,492 $57,403 
Allowance for Credit Losses on Loans HFI
Beginning on June 30, 2025, the Company made changes to the estimation techniques and certain related inputs and assumptions used in estimating its expected credit losses on its loan portfolios and unfunded commitments. Prior to the changes, the Company primarily used a lifetime loss rate model to determine the allowance for credit losses. Following a periodic review of its credit loss estimation process, the Company concluded that a discounted cash flow estimation technique, adjusted for current conditions and reasonable and supportable forecasts, is a more preferred approach for estimating expected credit losses of its loan segments, except consumer and other loans, which utilize the weighted average remaining maturity loss rate technique. The applicable CECL estimation technique is used to estimate the expected credit loss for off-balance sheet commitments for each loan segment. As part of the updates to estimation techniques, management updated certain related inputs and assumptions used to estimate the expected credit loss. The Company determined that the use of the updated estimate techniques and related inputs and assumptions enhances the transparency, accuracy and relevance of information relating to its allowance for credit losses through the application of data and calculations more clearly calibrated to the Company’s historical experience, the nature of its loan portfolio and unfunded commitments, and expectations for future economic conditions and corresponding expected credit losses.
The changes in the estimation techniques and certain related inputs and assumptions used in the determination of the Company’s expected credit losses on its loan portfolio and unfunded commitments did not have a material impact to the Company’s operating results and financial condition. The provision for credit losses for the nine months ended September 30, 2025, reflects this change in estimate and is accounted for prospectively after the transition date. Refer to Note 1, “Basis of presentation” in the consolidated financial statements for further specific information on the changes.
The Company performed evaluations within its updated qualitative framework, assessing for information not otherwise captured in model loss estimation process. The Company considers the qualitative factors that are relevant to the institution as of the reporting date, which may include, but are not limited to: levels of and trends in delinquencies and performance of loans; levels of and trends in write-offs and recoveries collected; trends in volume and terms of loans; effects of any changes in reasonable and supportable economic forecasts; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and expertise; available relevant information sources that contradict the Company’s own forecast; effects of changes in prepayment expectations or other factors affecting assessments of loan contractual terms; industry conditions; and effects of changes in credit concentrations.
As a result of the Southern States merger, the Company recorded a total increase of $32,641 in the allowance for credit losses on loans as of the July 1, 2025 merger date. This included $7,518 of allowance for credit losses on acquired PCD loans, which was established through acquisition accounting adjustments using the gross-up method, whereby the initial allowance is added to the fair value of the loan to determine its amortized cost. Additionally, $25,123 of allowance for credit losses was established on acquired non-PCD loans through provision expense recognized in the post-combination financial statements for the three and nine months ended September 30, 2025. See Note 2, “Mergers and acquisitions” for additional details related to allowance associated with acquired loan portfolio.
The following tables provide the changes in the allowance for credit losses on loans HFI by class of financing receivable for the three and nine months ended September 30, 2025 and 2024:
 Commercial
and industrial 		Construction1-to-4
family
residential
mortgage 		Residential
line of credit 		Multi-family
residential
mortgage 		Commercial
real estate
owner
occupied 		Commercial
real estate
non-owner
occupied 		Consumer
and other 		Total
Three Months Ended September 30, 2025
Beginning balance -
June 30, 2025
$20,271 $21,848 $30,262 $8,671 $10,894 $11,939 $26,303 $18,760 $148,948 
Initial allowance on loans
  purchased with
  deteriorated credit quality		1,959 298 64 31 159 1,515 3,418 74 7,518 
Loans charged off(100)(399)(322)— — — — (888)(1,709)
Recoveries of loans
previously charged-off
12 — 6 11 — 4 — 246 279 
Provision for credit losses
   on loans HFI		3,933 6,110 3,049 1,745 762 6,902 04,352 3,104 29,957 
Ending balance -
September 30, 2025
$26,075 $27,857 $33,059 $10,458 $11,815 $20,360 $34,073 $21,296 $184,993 
Nine Months Ended September 30, 2025
Beginning balance -
December 31, 2024
$16,667 $31,698 $25,340 $10,952 $10,512 $11,993 $25,531 $19,249 $151,942 
Initial allowance on loans
   purchased with
   deteriorated credit quality		1,959 298 64 31 159 1,515 3,418 74 7,518 
Loans charged-off(3,071)(399)(758)— — (17)— (2,811)(7,056)
Recoveries of loans
previously charged-off
227 — 26 12 — 34 529 1,000 1,828 
Impact of change in
    accounting estimate for
    current expected credit
    losses		3,504 (4,705)2,717 (3,428)258 (1,074)(1,747)(2,373)(6,848)
Provision for credit losses
   on loans HFI		6,789 965 5,670 2,891 886 7,909 6,342 6,157 37,609 
Ending balance -
September 30, 2025
$26,075 $27,857 $33,059 $10,458 $11,815 $20,360 $34,073 $21,296 $184,993 
 Commercial
and industrial 		Construction1-to-4
family
residential
mortgage 		Residential
line of credit 		Multi-family
residential
mortgage 		Commercial
real estate
owner
occupied 		Commercial
real estate
non-owner
occupied 		Consumer
and other 		Total
Three Months Ended September 30, 2024
Beginning balance -
June 30, 2024
$22,530 $34,170 $25,631 $10,097 $8,810 $11,312 $24,543 $17,962 $155,055 
Loans charged off(90)— (2)(53)— — — (770)(915)
Recoveries of loans
previously charged-off
23 — 9 18 — 12 — 202 264 
Provision for (reversal of)
    credit losses on loans
    HFI		1,670 (3,612)341 662 834 243 98 1,620 1,856 
Ending balance -
September 30, 2024
$24,133 $30,558 $25,979 $10,724 $9,644 $11,567 $24,641 $19,014 $156,260 
Nine Months Ended September 30, 2024 
Beginning balance -
December 31, 2023
$19,599 $35,372 $26,505 $9,468 $8,842 $10,653 $22,965 $16,922 $150,326 
Loans charged-off(159)(92)(295)(73)— — — (2,136)(2,755)
Recoveries of loans
previously charged-off
57 — 75 18 — 240 — 651 1,041 
Provision for (reversal of)
    credit losses on loans
    HFI		4,636 (4,722)(306)1,311 802 674 1,676 3,577 7,648 
Ending balance -
  September 30, 2024		$24,133 $30,558 $25,979 $10,724 $9,644 $11,567 $24,641 $19,014 $156,260 
v3.25.3
Other Real Estate Owned
 9 Months Ended
Sep. 30, 2025
Real Estate [Abstract]  
Other Real Estate Owned Other real estate owned
The amount reported as other real estate owned includes property acquired through foreclosure in addition to excess facilities held for sale and is carried at the lower of the carrying amount of the underlying loan or the fair value of the real estate less costs to sell. The following table summarizes the other real estate owned for the three and nine months ended September 30, 2025 and 2024: 
Three Months Ended September 30,Nine Months Ended September 30,
 2025202420252024
Balance at beginning of period$2,998 $4,173 $4,409 $3,192 
Transfers from loans1,975 — 5,272 2,400 
Acquired through merger or acquisition120 — 120 — 
Proceeds from sale of other real estate owned(659)(412)(5,071)(1,846)
Gain (loss) on sale of other real estate owned32 18 (225)33 
Write-downs and partial liquidations— — (39)— 
Balance at end of period$4,466 $3,779 $4,466 $3,779 
Included within the other real estate owned balance above, foreclosed residential real estate properties totaled $1,877 and $2,880 as of September 30, 2025 and December 31, 2024, respectively.
The recorded investment in residential mortgage loans secured by residential real estate properties for which foreclosure proceedings are in process totaled $7,568 and $7,652 as of September 30, 2025 and December 31, 2024, respectively.
v3.25.3
Goodwill and Intangible Assets
 9 Months Ended
Sep. 30, 2025
Goodwill and Intangible Assets Disclosure [Abstract]  
Goodwill and Intangible Assets Goodwill and intangible assets
Goodwill represents the excess of the cost of a business combination over the fair value of the net assets acquired.
Goodwill
Balance at December 31, 2024242,561 
Addition from merger with Southern States (See Note 2)107,792 
Balance at September 30, 2025$350,353 
The Company’s policy is to assess goodwill for impairment at the reporting unit level on an annual basis or more frequently, if an event occurs or circumstances change which indicate that the fair value of a reporting unit is below its carrying amount. Impairment is the condition that exists when the carrying amount of the reporting unit exceeds the fair value of that reporting unit. The Company performed a qualitative assessment as of October 1, 2024 and determined it was more likely than not the fair value of the reporting units exceeded its carrying value, including goodwill. As such, no impairment of goodwill was recorded. No events of circumstances since the October 1, 2024 annual impairment test were noted that would indicate it was more likely than not a goodwill impairment exists.
Core deposit and other intangibles include core deposit intangibles and a customer base trust intangible. The composition of core deposit and other intangibles, which excludes fully amortized intangibles, as of September 30, 2025 and December 31, 2024 is as follows:
 Core deposit and other intangibles
 Gross Carrying Amount Accumulated Amortization Net Carrying Amount
September 30, 2025   
Core deposit intangible$90,655 $(57,732)$32,923 
Customer base trust intangible1,600 (1,307)293 
Total core deposit and other intangibles$92,255 $(59,039)$33,216 
December 31, 2024
Core deposit intangible$59,835 $(54,486)$5,349 
Customer base trust intangible1,600 (1,187)413 
Total core deposit and other intangibles$61,435 $(55,673)$5,762 
Amortization of core deposit and other intangibles totaled $2,079 and $3,366 for the three and nine months ended September 30, 2025, respectively, and $719 and $2,260 for the three and nine months ended September 30, 2024, respectively.
During the third quarter of 2025, the Company recorded $30,820 of core deposit intangibles resulting from the Southern States merger. See Note 2, “Mergers and acquisitions” for additional information regarding this transaction.
The estimated aggregate future years amortization expense of core deposit and other intangibles is as follows:
Remaining 2025$1,934 
20267,089 
20275,996 
20284,877 
20293,904 
20303,112 
Thereafter6,304 
 $33,216 
v3.25.3
Leases
 9 Months Ended
Sep. 30, 2025
Leases [Abstract]  
Leases Leases
As of September 30, 2025, the Company was the lessee in 50 operating leases and 1 finance lease of certain branch, mortgage and operations locations with original terms greater than one year.
Many leases include options to renew, with terms that can extend the lease up to an additional 20 years or more. Certain lease agreements contain provisions to periodically adjust rental payments for inflation. Renewal options that management is reasonably certain to renew and fixed rent escalations are included in the right-of-use asset and lease liability.
Information related to the Company’s leases is presented below as of September 30, 2025 and December 31, 2024:
September 30,December 31,
Classification20252024
Right-of-use assets:
Operating leasesOperating lease right-of-use assets$51,035$47,963
Finance leasesPremises and equipment, net1,0631,145
Total right-of-use assets$52,098$49,108
Lease liabilities:
Operating leasesOperating lease liabilities$62,664$60,024
Finance leasesBorrowings 1,1541,229
Total lease liabilities $63,818$61,253
Weighted average remaining lease term (in years) -
    operating		11.011.0
Weighted average remaining lease term (in years) -
    finance		9.610.4
Weighted average discount rate - operating3.68 %3.47 %
Weighted average discount rate - finance1.76 %1.76 %
The components of total lease expense included in the consolidated statements of income were as follows:
Three Months EndedNine Months Ended
September 30,September 30,
Classification2025 2024 2025 2024 
Operating lease costs:
Amortization of right-of-use assetOccupancy and equipment$2,023 $1,362 $5,846 $5,048 
Short-term lease costOccupancy and equipment70 96 229 282 
Variable lease costOccupancy and equipment333 321 1,302 1,024 
Loss on lease terminationsOccupancy and equipment265 — 265 — 
Finance lease costs:
Interest on lease liabilitiesInterest expense on borrowings6 6 16 17 
Amortization of right-of-use assetOccupancy and equipment28 28 83 83 
Sublease income Occupancy and equipment(214)(96)(634)(407)
Total lease cost$2,511 $1,717 $7,107 $6,047 
The Company does not separate lease and non-lease components and instead elects to account for them as a single lease component. Variable lease cost primarily represents variable payments such as common area maintenance, utilities, and property taxes.
A maturity analysis of operating and finance lease liabilities and a reconciliation of cash flows to lease liabilities as of September 30, 2025 is as follows:
OperatingFinance
Leases Lease
September 30, 2026$2,317 $31 
September 30, 20279,127 123 
September 30, 20288,658 125 
September 30, 20297,744 127 
September 30, 20306,718 129 
Thereafter42,864 721 
     Total undiscounted future minimum lease payments77,428 1,256 
Less: imputed interest(14,764)(102)
     Lease liabilities$62,664 $1,154 
Leases Leases
As of September 30, 2025, the Company was the lessee in 50 operating leases and 1 finance lease of certain branch, mortgage and operations locations with original terms greater than one year.
Many leases include options to renew, with terms that can extend the lease up to an additional 20 years or more. Certain lease agreements contain provisions to periodically adjust rental payments for inflation. Renewal options that management is reasonably certain to renew and fixed rent escalations are included in the right-of-use asset and lease liability.
Information related to the Company’s leases is presented below as of September 30, 2025 and December 31, 2024:
September 30,December 31,
Classification20252024
Right-of-use assets:
Operating leasesOperating lease right-of-use assets$51,035$47,963
Finance leasesPremises and equipment, net1,0631,145
Total right-of-use assets$52,098$49,108
Lease liabilities:
Operating leasesOperating lease liabilities$62,664$60,024
Finance leasesBorrowings 1,1541,229
Total lease liabilities $63,818$61,253
Weighted average remaining lease term (in years) -
    operating		11.011.0
Weighted average remaining lease term (in years) -
    finance		9.610.4
Weighted average discount rate - operating3.68 %3.47 %
Weighted average discount rate - finance1.76 %1.76 %
The components of total lease expense included in the consolidated statements of income were as follows:
Three Months EndedNine Months Ended
September 30,September 30,
Classification2025 2024 2025 2024 
Operating lease costs:
Amortization of right-of-use assetOccupancy and equipment$2,023 $1,362 $5,846 $5,048 
Short-term lease costOccupancy and equipment70 96 229 282 
Variable lease costOccupancy and equipment333 321 1,302 1,024 
Loss on lease terminationsOccupancy and equipment265 — 265 — 
Finance lease costs:
Interest on lease liabilitiesInterest expense on borrowings6 6 16 17 
Amortization of right-of-use assetOccupancy and equipment28 28 83 83 
Sublease income Occupancy and equipment(214)(96)(634)(407)
Total lease cost$2,511 $1,717 $7,107 $6,047 
The Company does not separate lease and non-lease components and instead elects to account for them as a single lease component. Variable lease cost primarily represents variable payments such as common area maintenance, utilities, and property taxes.
A maturity analysis of operating and finance lease liabilities and a reconciliation of cash flows to lease liabilities as of September 30, 2025 is as follows:
OperatingFinance
Leases Lease
September 30, 2026$2,317 $31 
September 30, 20279,127 123 
September 30, 20288,658 125 
September 30, 20297,744 127 
September 30, 20306,718 129 
Thereafter42,864 721 
     Total undiscounted future minimum lease payments77,428 1,256 
Less: imputed interest(14,764)(102)
     Lease liabilities$62,664 $1,154 
v3.25.3
Mortgage Servicing Rights
 9 Months Ended
Sep. 30, 2025
Transfers and Servicing of Financial Assets [Abstract]  
Mortgage Servicing Rights Mortgage servicing rights
Changes in the Company’s mortgage servicing rights were as follows for the three and nine months ended September 30, 2025 and 2024:
Three Months Ended September 30,Nine Months Ended September 30,
 202520242025 2024 
Carrying value at beginning of period$153,464 $164,505 $162,038 $164,249 
Capitalization849 1,418 2,498 4,067 
Change in fair value:
    Due to payoffs/paydowns
(3,438)(3,518)(9,703)(10,067)
    Due to change in valuation inputs or assumptions(1,035)(5,308)(4,993)(1,152)
        Carrying value at end of period$149,840 $157,097 $149,840 $157,097 
The following table summarizes servicing income and expense, which are included in mortgage banking income and other noninterest expense, respectively, in the consolidated statements of income for the three and nine months ended September 30, 2025 and 2024: 
 Three Months Ended September 30,Nine Months Ended September 30,
 202520242025 2024 
   Servicing income$6,836 $7,244 $20,849 $21,907 
   Change in fair value of mortgage servicing rights(4,473)(8,826)(14,696)(11,219)
   Change in fair value of derivative hedging instruments1,083 4,336 4,006 (648)
Servicing income
3,446 2,754 10,159 10,040 
Servicing expenses1,409 1,732 4,974 5,612 
          Net servicing income
$2,037 $1,022 $5,185 $4,428 
Data and key economic assumptions, as well as the valuation's sensitivity to interest rate fluctuations, related to the Company’s mortgage servicing rights as of September 30, 2025 and December 31, 2024 are as follows: 
 September 30,December 31,
 20252024
Unpaid principal balance of mortgage loans sold and serviced for others$9,716,824 $10,235,048 
Weighted-average prepayment speed (CPR)6.51%6.04%
Estimated impact on fair value of a 10% increase$(4,133)$(4,213)
Estimated impact on fair value of a 20% increase$(7,972)$(8,168)
Discount rate9.65%10.2%
Estimated impact on fair value of a 100 bp increase$(7,000)$(7,515)
Estimated impact on fair value of a 200 bp increase$(13,416)$(14,397)
Weighted-average coupon interest rate3.64%3.59%
Weighted-average servicing fee (basis points)2727
Weighted-average remaining maturity (in months)337336
The sensitivity calculations above are hypothetical changes and should not be considered to be predictive of future performance. Changes in fair value based on adverse changes in assumptions generally cannot be extrapolated because the relationship of the change in assumption to the change in fair value may not be linear. Also, the effect of an adverse variation in a particular assumption on the fair value of the mortgage servicing rights is calculated without changing any other assumption, while in reality changes in one factor may result in changes in another, which may either magnify or counteract the effect of the change. The derivative instruments utilized by the Company, which were not included in the above sensitivities, would serve to offset the estimated impacts to fair value included in the table above. See Note 12, “Derivatives” for additional information on these derivative instruments.
As of September 30, 2025 and December 31, 2024, the Company held mortgage escrow deposits totaling $131,588 and $68,995, respectively, related to loans sold with servicing retained.
v3.25.3
Borrowings
 9 Months Ended
Sep. 30, 2025
Debt Disclosure [Abstract]  
Borrowings Borrowings
The Company has access to various sources of funds that allow for management of interest rate exposure and liquidity. The following table summarizes the Company's outstanding borrowings and weighted average interest rates as of September 30, 2025 and December 31, 2024:
Outstanding BalanceWeighted Average Interest Rate
September 30,December 31,September 30,December 31,
2025 2024 2025 2024 
Securities sold under agreements to repurchase
    and federal funds purchased 		$107,486 $13,499 4.23 %0.20 %
Subordinated debt, net83,338 130,704 5.01 %5.28 %
Other borrowings22,814 32,586 0.09 %0.07 %
            Total$213,638 $176,789 
Securities sold under agreements to repurchase and federal funds purchased
Securities sold under agreements to repurchase are financing arrangements that mature daily. Securities sold under agreements to repurchase totaled $12,486 and $13,499 as of September 30, 2025 and December 31, 2024, respectively. The weighted average interest rate of the Company's securities sold under agreements to repurchase was 0.17% and 0.20% as of September 30, 2025 and December 31, 2024, respectively. The fair value of securities pledged to secure repurchase agreements may decline. The Company manages this risk by having a policy to pledge securities valued at 100% of the outstanding balance of repurchase agreements.
The Bank maintains lines with certain correspondent banks that provide borrowing capacity in the form of federal funds purchased. Federal funds purchased are short-term borrowings that typically mature within one to fourteen days. As of September 30, 2025 and December 31, 2024, the aggregate total borrowing capacity under these lines amounted to $405,000 and $370,000, respectively. As of September 30, 2025, borrowings against these lines, which are classified as federal funds purchased, totaled $95,000 with a weighted average rate of 4.77%. There were no such borrowings outstanding as of December 31, 2024.
Information concerning securities sold under agreement to repurchase and federal funds purchased as of or for the nine months ended September 30, 2025 and year ended December 31, 2024 is summarized as follows:
September 30, 2025December 31, 2024
Balance at period-end$107,486 $13,499 
Average daily balance during the period11,773 21,339 
Average interest rate during the period0.72 %1.72 %
Maximum month-end balance during the period$107,486 $78,228 
Weighted average interest rate at period-end4.23 %0.20 %
Federal Home Loan Bank Advances
As a member of the FHLB, the Company may utilize advances from the FHLB in order to provide additional liquidity and funding. Under these short-term agreements, the Company maintains a line of credit that as of September 30, 2025 and December 31, 2024 had total borrowing capacity of $1,551,283 and $1,397,905, respectively. As of September 30, 2025 and December 31, 2024, the Company had qualifying loans pledged as collateral securing these lines amounting to $2,708,821 and $2,608,687, respectively. There were no FHLB advances outstanding as of September 30, 2025 or December 31, 2024.
Information concerning FHLB advances as of or for the nine months ended September 30, 2025 within the table below. There were no FHLB advances outstanding as of or for the year ended December 31, 2024.
September 30, 2025
Balance at period-end$— 
Average daily balance during the period12,821 
Average interest rate during the period4.48 %
Maximum month-end balance during the period$100,000 
Weighted average interest rate at period-end— %
Subordinated Debt
Prior to September 30, 2025, the Company had issued junior subordinated debentures through two separate trusts which issued floating rate trust preferred securities to external investors. The trusts were created for the sole purpose of issuing 30-year capital trust preferred securities to fund the purchase of the junior subordinated debentures. In September 2025, the Company redeemed notes related to these trusts at the principal amount plus accrued and unpaid interest pursuant to the terms of the debentures. As a result of this redemption, the Company redeemed $30,930 of junior subordinated debentures.
Separately, during September 2025, the Bank redeemed $100,000 of ten-year fixed-to-floating rate subordinated notes. This redemption was executed at the principal amount plus accrued interest, in accordance with the terms of the notes.
On July 1, 2025, the Company assumed three separate fixed-to-floating rate subordinated notes in connection with its merger with Southern States with a principal balance totaling $92,500. As of September 30, 2025, no other subordinated debt remained outstanding apart from the debt assumed through this business combination.
Further details regarding our subordinated debt as of September 30, 2025 are provided below.
Name Year establishedMaturity Call dateTotal debt outstanding Interest rate Coupon structure
February 2032 Subordinated Debt(1)
202202/07/203202/07/2027$47,500 3.50%
Quarterly fixed(2)
October 2032 Subordinated Debt(1)
202210/26/2032
10/26/2027
40,000 7.00%
Quarterly fixed(2)
December 2031 Subordinated Debt(1)
202112/22/2031
12/31/2026
5,000 3.50%
Quarterly fixed(2)
     Unamortized fair value marks(9,162)
     Total subordinated debt, net$83,338 
(1) The Company classifies the issuance, net of unamortized fair value marks, as Tier 2 capital, which will be phased out 20% per year in the final five years before maturity.
(2) Beginning on each respective call date, the coupon structure migrates to 3M SOFR plus a spread of 205 basis points, 306 basis points and 242 basis points for the February 2032, October 2032 and December 2031 subordinated issues, respectively, through the end of the term of each debenture.
Other Borrowings
As of September 30, 2025 and December 31, 2024, other borrowings included a finance lease liability amounting to $1,154 and $1,229, respectively. Additionally, as of September 30, 2025 and December 31, 2024, the Company recorded $21,660 and $31,357, respectively, of optional repurchase commitments of government guaranteed GNMA loans that meet certain defined delinquency rates under their contractual terms that were eligible for optional repurchase and recorded in both loans held for sale and other borrowings.
See Note 7, “Leases” and Note 13, “Fair Value of financial instruments” for additional information regarding the Company's finance lease and guaranteed GNMA loans eligible for repurchase, respectively.
v3.25.3
Income Taxes
 9 Months Ended
Sep. 30, 2025
Income Tax Disclosure [Abstract]  
Income Taxes Income taxes
The following table presents a reconciliation of income taxes for the three and nine months ended September 30, 2025 and 2024:
 Three Months Ended September 30,Nine Months Ended September 30,
 2025 2024 2025 2024 
Federal taxes calculated
    at statutory rate		$6,217 21.0 %$2,392 21.0 %$14,427 21.0 %$20,275 21.0 %
  Increase (decrease)
     resulting from:
State taxes, net of federal
   benefit		125 0.4 %(986)(8.7)%372 0.5 %(776)(0.8)%
(Benefit) expense from
  stock-based compensation		(29)(0.1)%(1)— %(408)(0.6)%75 0.1 %
Municipal interest
    income, net of interest
    disallowance		(408)(1.4)%(313)(2.7)%(1,221)(1.8)%(1,014)(1.1)%
Bank-owned life insurance(151)(0.5)%(81)(0.7)%(334)(0.5)%(692)(0.7)%
Section 162(m) limitation110 0.4 %43 0.4 %795 1.2 %247 0.3 %
Expiration of the statute of
   limitations(1)
— — %— — %(8,713)(12.7)%— — %
Interest on refunds(1)
— — %— — %(2,591)(3.8)%— — %
Other363 1.2 %120 1.0 %719 1.1 %278 0.3 %
Income tax expense, as
   reported		$6,227 21.0 %$1,174 10.3 %$3,046 4.4 %$18,393 19.1 %
(1) For the nine months ended September 30, 2025, a one-time tax benefit of $10,713 was recognized due to the expiration of the statute of limitations with respect to an amended income tax return and the associated interest.
On July 4, 2025, new tax legislation referred to as the One Big Beautiful Bill Act was enacted into law by the federal government. The tax provisions of the One Big Beautiful Bill Act did not have a material impact on our income tax expense. The retroactive extension of bonus depreciation has afforded the Company additional income tax deductions for 2025, reducing the anticipated income taxes payable for 2025.
v3.25.3
Commitments and Contingencies
 9 Months Ended
Sep. 30, 2025
Commitments and Contingencies Disclosure [Abstract]  
Commitments and Contingencies Commitments and contingencies
Commitments to extend credit and letters of credit
The Company issues certain financial instruments to meet customer financing needs, including loan commitments, credit lines and letters of credit. The agreements associated with these type of unfunded loan commitments provide credit or support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates.
The same credit and underwriting policies the Company uses to evaluate and underwrite loans are also used to originate unfunded loan commitments, including obtaining collateral at exercise of the commitment. These unfunded loan commitments are only recorded in the consolidated financial statements when drawn upon and many expire without being used. The Company’s maximum off-balance sheet exposure to credit loss from these unfunded loan commitments is represented by the contractual amount of these instruments.
September 30,December 31,
 2025 2024 
Commitments to extend credit, excluding interest rate lock commitments$3,190,375 $2,770,105 
Letters of credit66,586 69,855 
Balance at end of period$3,256,961 $2,839,960 
As of September 30, 2025 and December 31, 2024, unfunded loan commitments included above with floating interest rates totaled $2,988,878 and $2,573,218, respectively.
Beginning on June 30, 2025, a discounted cash flow estimation technique, adjusted for current conditions and reasonable and supportable forecasts, was utilized to estimate the expected credit losses of its loan segments, except consumer and other loans, which utilize the weighted average remaining maturity loss rate technique. The Company determined that the use of the updated estimate techniques and related inputs and assumptions enhances the transparency, accuracy and relevance of information relating to its allowance for credit losses through the application of data and calculations more clearly calibrated to our historical experience, the nature of its loan portfolio and unfunded commitments, and expectations for future economic conditions and corresponding expected credit losses. See “Note 1, “Basis of presentation” for further discussion on the change in estimate. The changes are accounted for as a change in estimate included in the provision for credit losses for the nine months ended September 30, 2025 and did not have a material impact to the Company's operating results and financial condition.
As part of the credit loss process, the Company estimates expected credit losses on its unfunded loan commitments under the CECL methodology. When applying this methodology, the Company considers the likelihood that funding will occur, the contractual period of exposure to credit loss, the risk of loss, historical loss experience, and current conditions along with expectations of future economic conditions.
The table below presents activity within the allowance for credit losses on unfunded loan commitments included in accrued expenses and other liabilities on the Company’s consolidated balance sheets:
Three Months Ended September 30,Nine Months Ended September 30,
2025 20242025 2024 
Balance at beginning of period$12,932 $5,984 $6,107 $8,770 
Provision for credit losses on unfunded commitments
    acquired in business combination		3,243 — 3,243 — 
Impact of change in accounting estimate for current
    expected credit losses		— — 6,452 — 
Provision for (reversal of) credit losses on unfunded
    commitments		1,217 58 1,590 (2,728)
Balance at end of period$17,392 $6,042 $17,392 $6,042 
Loan repurchases or indemnifications
In connection with the sale of mortgage loans to third-party private investors or government sponsored agencies, the Company makes representations and warranties as to the propriety of its origination activities, which are typical and customary to these types of transactions. Occasionally, investors require the Company to repurchase loans sold to them or otherwise indemnify the investor against certain losses under the terms of the warranties. When the Company is required to repurchase the loans, the loans are recorded at fair value in loans HFI. The total principal amount of loans
repurchased or indemnified for was $2,576 and $5,827 for the three and nine months ended September 30, 2025, respectively and $1,382 and $4,893 for the three and nine months ended September 30, 2024, respectively.
At September 30, 2025 and December 31, 2024, the Company had $740 and $697, respectively, of reserves associated with potential losses on loans previously sold included in accrued expenses and other liabilities on the Company's consolidated balance sheets.
Legal Proceedings
Various legal claims arise from time to time in the normal course of business, which, in the opinion of management, will not have a material effect on the Company’s consolidated financial statements.
v3.25.3
Derivatives
 9 Months Ended
Sep. 30, 2025
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
Derivatives Derivatives
The Company utilizes derivative financial instruments as part of its ongoing efforts to manage its interest rate risk exposure as well as interest rate exposure for its customers. Derivative financial instruments are included in the consolidated balance sheets line item other assets or other liabilities at fair value in accordance with ASC 815, “Derivatives and Hedging.” See Note 1, “Basis of presentation and summary of significant accounting policies,” in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024 for additional information on the Company’s accounting policies related to derivative instruments and hedging activities.
Derivatives designated as fair value hedges
The Company periodically enters into fair value hedging relationships using interest rates swaps to mitigate the Company’s exposure to losses in market value as interest rates change. Derivative instruments that are used as part of the Company’s interest rate risk management strategy include interest rate swaps that relate to pricing of specific balance sheet assets and liabilities. Interest rate swaps generally involve the exchange of fixed and variable rate interest payments between two parties, based on a common notional principal amount and maturity date. The critical terms of the interest rate swaps match the terms of the corresponding hedged items. All components of each derivative instrument’s gain or loss are included in the assessment of hedge effectiveness. Any initial and ongoing assessment of expected hedge effectiveness is based on regression analysis.
At both September 30, 2025 and December 31, 2024, the Company did not hold any interest rate swaps designated as fair value hedges. The Company did hold interest rate swaps designated as fair value hedges for a period of time during the nine months ended September 30, 2024.
During the three and nine months ended September 30, 2024, the Company had $993 and $4,588, respectively, of amortization expense in interest expense on deposits related to terminated fair value hedges. During the nine months ended September 30, 2024, there was $645 of expense included in interest expense on borrowings related to fair value hedges. There was no such expense for the three months ended September 30, 2024.
Derivatives designated as cash flow hedges
The Company periodically enters into cash flow hedging relationships using interest rate swaps to mitigate the exposure to the variability in future cash flows or other forecast transactions associated with its floating rate assets and liabilities. The Company uses interest rate swap agreements to hedge the repricing characteristics of its floating rate subordinated debt. All components of each derivative instrument’s gain or loss are included in the assessment of hedge effectiveness. Any initial and ongoing assessment of expected hedge effectiveness is based on regression analysis. The ongoing periodic measures of hedge ineffectiveness are based on the expected change in cash flows of the hedged item caused by changes in the benchmark interest rate.
At both September 30, 2025 and December 31, 2024, the Company did not have any interest rate swaps that were designated as cash flow hedges. The Company did hold interest rate swaps designated as cash flow hedges during the nine months ended September 30, 2024.
The Company’s consolidated statements of income included a loss of $5 and a gain of $517 for the three and nine months ended September 30, 2024 in interest expense on borrowings related to these cash flow hedges, respectively. The cash flow hedges were highly effective during this period and as a result qualified for hedge accounting treatment. As such, no amounts were reclassified from accumulated other comprehensive loss into earnings as a result of hedge ineffectiveness during the period.
For the three and nine months ended September 30, 2024, the Company had a loss of $59 and $428, respectively, in other comprehensive income, net of tax benefit of $21 and $151, respectively, for derivative instruments designated as cash flow hedges. No such activity was recorded during the three and nine months ended September 30, 2025.
Derivatives not designated as hedging instruments
Derivatives not designated under hedge accounting rules include those that are entered into as either economic hedges as part of the Company’s overall risk management strategy or to facilitate client needs. Economic hedges are those that are not designated as a fair value or cash flow hedge for accounting purposes but are necessary to economically manage the risk exposure associated with the assets and liabilities of the Company.
The Company enters into derivative instruments to help its commercial customers manage their exposure to interest rate fluctuations. To mitigate the interest rate risk associated with customer contracts, the Company enters into an offsetting derivative contract. The Company manages its credit risk, or potential risk of default by its commercial customers through credit limit approval and monitoring procedures.
The Company enters into interest rate-lock commitments on residential loan commitments that will be held for resale. These are considered derivative instruments with no hedge accounting designation, and the interest rate exposure on these commitments is economically hedged primarily with forward contracts. Gains and losses arising from changes in the valuation of the interest rate-lock commitments are recognized currently in earnings and are reflected under the line-item mortgage banking income in the consolidated statements of income.
The Company also enters into forwards, futures and option contracts to economically hedge the change in fair value of mortgage servicing rights. Gains and losses associated with these instruments are included in earnings and are reflected under the line-item mortgage banking income in the consolidated statements of income.
The following tables provide details on the Company’s non-designated derivative financial instruments as of the dates presented:
September 30, 2025
Notional AmountAssetLiability
  Interest rate contracts$683,218 $26,588 $26,640 
  Forward commitments275,000 — 630 
  Interest rate-lock commitments128,961 1,972 — 
  Futures contracts187,500 — 1,144 
    Total$1,274,679 $28,560 $28,414 
 December 31, 2024
 Notional AmountAssetLiability
  Interest rate contracts$565,152 $29,298 $29,377 
  Forward commitments140,000 6 — 
  Interest rate-lock commitments65,687 647 — 
  Futures contracts217,000 — 3,006 
    Total$987,839 $29,951 $32,383 
(Losses) gains included in the consolidated statements of income related to the Company’s non-designated derivative financial instruments were as follows:
Three Months Ended September 30,Nine Months Ended September 30,
 2025 2024 2025 2024 
Included in mortgage banking income:
  Interest rate lock commitments$(350)$18 $1,325 $194 
  Forward commitments(1,237)(1,549)(1,560)(1,115)
  Futures contracts517 3,612 2,648 (787)
    Total$(1,070)$2,081 $2,413 $(1,708)
Netting of Derivative Instruments
Certain financial instruments, including derivatives, may be eligible for offset on the consolidated balance sheets when the “right of offset” exists or when the instruments are subject to an enforceable master netting agreement, which includes the right of the non-defaulting party or non-affected party to offset recognized amounts, including collateral posted with the counterparty, to determine a net receivable or net payable upon early termination of the agreement. Certain of the Company’s derivative instruments are subject to master netting agreements, however the Company has not elected to offset such financial instruments on the consolidated balance sheets.
The following table presents the Company’s gross derivative positions as recognized on the consolidated balance sheets as well as the net derivative positions, including collateral pledged to the extent the application of such collateral did not reduce the net derivative liability position below zero, had the Company elected to offset those instruments subject to an enforceable master netting agreement:
Gross amounts not offset on the consolidated balance sheets
Gross amounts recognizedGross amounts offset on the consolidated balance sheetsNet amounts presented on the consolidated balance sheetsFinancial instrumentsFinancial collateral pledgedNet Amount
September 30, 2025
Derivative financial assets$20,625 $— $20,625 $6,135 $— $14,490 
Derivative financial liabilities$11,078 $— $11,078 $6,135 $4,943 $— 
December 31, 2024
Derivative financial assets$28,379 $— $28,379 $1,030 $— $27,349 
Derivative financial liabilities$9,144 $— $9,144 $1,030 $8,114 $— 
Collateral Requirements
Most derivative contracts are secured by collateral. Accordingly, pursuant to the interest rate agreements with derivative counterparties, the Company may be required to accept or post collateral with these derivative counterparties. As of September 30, 2025 and December 31, 2024, the Company had collateral posted of $29,765 and $20,961, respectively, against its obligations under these agreements. Cash pledged as collateral on derivative contracts is recorded in other assets on the consolidated balance sheets.
v3.25.3
Fair Value of Financial Instruments
 9 Months Ended
Sep. 30, 2025
Fair Value Disclosures [Abstract]  
Fair Value of Financial Instruments Fair value of financial instruments
FASB ASC 820-10 defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820-10 also establishes a framework for measuring the fair value of assets and liabilities according to a hierarchy that prioritizes the inputs to valuation techniques used to measure fair value into three broad levels. The fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets and liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). The hierarchy maximizes the use of observable inputs and minimizes the use of unobservable inputs by requiring that the most observable inputs be used
when available. Observable inputs are inputs that market participants would use in pricing the asset or liability based on market data obtained from sources independent of the Company. Unobservable inputs are inputs that are derived from assumptions based on management’s estimate of assumptions that market participants would use in pricing the asset or liability based on the best information available under the circumstances.
The hierarchy is broken down into the following three levels, based on the reliability of inputs:
Level 1: Unadjusted quoted prices in active markets for identical assets or liabilities that are accessible at the measurement date.
Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active or other inputs that are observable or can be corroborated by observable market data.
Level 3: Significant unobservable inputs for assets or liabilities that are derived from assumptions based on management’s estimate of assumptions that market participants would use in pricing the assets or liabilities.
The Company records the fair values of financial assets and liabilities on a recurring and nonrecurring basis using the following methods and assumptions:
Investment securities
Investment securities are recorded at fair value on a recurring basis. Fair values for securities are based on quoted market prices, where available. If quoted prices are not available, fair values are based on quoted market prices of similar instruments or are determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the pricing relationship or correlation among other benchmark quoted securities. Investment securities valued using quoted market prices of similar instruments or that are valued using matrix pricing are classified as Level 2.
Loans held for sale
Mortgage loans held for sale are carried at fair value determined using current secondary market prices for loans with similar characteristics, that is, using Level 2 inputs.
Derivatives
The fair value of the Company's interest rate swap agreements to facilitate customer transactions are based upon fair values provided from entities that engage in interest rate swap activity and is based upon projected future cash flows and interest rates. The fair value of interest rate lock commitments associated with the mortgage pipeline is based on fees currently charged to enter into similar agreements, and for fixed-rate commitments, the difference between current levels of interest rates and the committed rates is also considered. The fair values of the Company's designated cash flow and fair value hedges are determined by calculating the difference between the discounted fixed rate cash flows and the discounted variable rate cash flows. The fair values of both the Company's hedges, including designated cash flow hedges and designated fair value hedges are based on pricing models that utilize observable market inputs. These financial instruments are classified as Level 2.
OREO
OREO is comprised of properties obtained in partial or total satisfaction of loan obligations and excess land and facilities held for sale. OREO acquired in settlement of indebtedness is recorded at the lower of the carrying amount of the loan or the fair value of the real estate less costs to sell. Fair value is determined on a nonrecurring basis based on appraisals by qualified licensed appraisers and is adjusted for management’s estimates of costs to sell and holding period discounts. OREO valuations are classified as Level 3.
Mortgage servicing rights
MSRs are carried at fair value. Fair value is determined using an income approach with various assumptions including expected cash flows, market discount rates, prepayment speeds, servicing costs, and other factors. As such, MSRs are considered Level 3.
Collateral- dependent loans
Collateral-dependent loans are loans for which, based on current information and events, the Company has determined foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and the Company expects repayment of the loan to be provided substantially through the operation or sale of the collateral and it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Collateral-dependent loans are classified as Level 3.

The balances and levels of the assets and liabilities measured at fair value on a recurring basis as of September 30, 2025 and December 31, 2024 are presented in the following tables:
At September 30, 2025Quoted prices
in active
markets for
identical assets
(liabilities)
(level 1)		Significant
other
observable
inputs
(level 2) 		Significant unobservable
inputs
(level 3) 		Total
Recurring valuations:    
Financial assets:     
AFS debt securities:    
U.S. government agency securities$— $653,197 $— $653,197 
Mortgage-backed securities - residential— 587,587 — 587,587 
Mortgage-backed securities - commercial— 10,681 — 10,681 
Municipal securities— 165,411 — 165,411 
U.S. Treasury securities— 7,080 — 7,080 
Corporate securities— 2,995 — 2,995 
Equity securities, at fair value— 1,450 — 1,450 
Total securities$— $1,428,401 $— $1,428,401 
Loans held for sale, at fair value$— $145,789 $— $145,789 
Mortgage servicing rights— — 149,840 149,840 
Derivatives— 28,560 — 28,560 
Financial Liabilities:
Derivatives— 28,414 — 28,414 
At December 31, 2024Quoted prices
in active
markets for
identical assets
(liabilities)
(level 1)		Significant
other
observable
inputs
(level 2) 		Significant unobservable
inputs
(level 3) 		Total
Recurring valuations:    
Financial assets:     
AFS debt securities:    
U.S. government agency securities$— $563,007 $— $563,007 
Mortgage-backed securities - residential— 810,999 — 810,999 
Mortgage-backed securities - commercial— 14,857 — 14,857 
Municipal securities — 147,857 — 147,857 
U.S. Treasury securities— 299 — 299 
Corporate securities— 989 — 989 
Total securities$— $1,538,008 $— $1,538,008 
Loans held for sale, at fair value$— $95,403 $— $95,403 
Mortgage servicing rights— — 162,038 162,038 
Derivatives— 29,951 — 29,951 
Financial Liabilities:
Derivatives— 32,383 — 32,383 
The balances and levels of the assets measured at fair value on a nonrecurring basis as of September 30, 2025 and December 31, 2024 are presented in the following tables: 
At September 30, 2025Quoted prices
in active
markets for
identical assets
(liabilities
(level 1)		Significant
other
observable
inputs
(level 2) 		Significant unobservable
inputs
(level 3) 		Total
Nonrecurring valuations:    
Financial assets:    
Other real estate owned$— $— $3,076 $3,076 
Collateral-dependent net loans held for
   investment:
Commercial and industrial— — 1,513 1,513 
Construction— — 16,326 16,326 
Residential real estate:
1-to-4 family mortgage— — 1,728 1,728 
Commercial real estate:
Non-owner occupied— — 5,930 5,930 
Total collateral-dependent loans$— $— $25,497 $25,497 
 
At December 31, 2024Quoted prices
in active
markets for
identical assets
(liabilities)
(level 1)		Significant
other
observable
inputs
(level 2)		Significant unobservable
inputs
(level 3)		Total
Nonrecurring valuations:    
Financial assets:    
Other real estate owned$— $— $2,873 $2,873 
Collateral-dependent net loans held for
    investment:
Commercial and industrial$— $— $694 $694 
Construction— — 20,818 20,818 
Residential real estate:
   Multifamily— — 9,000 9,000 
Total collateral-dependent loans$— $— $30,512 $30,512 
The significant unobservable inputs (Level 3) used in the valuation and changes in fair value associated with the Company’s mortgage servicing rights for the three and nine months ended September 30, 2025 and 2024 are detailed at Note 8, “Mortgage servicing rights.”
The following tables present information as of September 30, 2025 and December 31, 2024 about significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a nonrecurring basis:
September 30, 2025
Financial instrumentFair ValueValuation techniqueSignificant 
unobservable inputs		Range of
inputs
Collateral-dependent net loans
   held for investment		$25,497 Valuation of collateralDiscount for comparable sales
10%-23%
Other real estate owned$3,076 Appraised value of property less costs to sellDiscount for costs to sell
0%-10%
December 31, 2024
Financial instrumentFair ValueValuation techniqueSignificant 
unobservable inputs		Range of
inputs
Collateral-dependent net loans
    held for investment		$30,512 Valuation of collateralDiscount for comparable sales
10%-40%
Other real estate owned$2,873 Appraised value of property less costs to sellDiscount for costs to sell
0%-10%
Fair value for collateral-dependent loans is determined based on the estimated value of the collateral securing the loans, less estimated selling costs and closing costs related to liquidation of the collateral. For loans secured by real estate, the fair value is determined based on appraisals performed by qualified appraisers and reviewed by qualified personnel. For non-real estate collateral, fair value is determined based on various sources, including third party asset valuation and internally determined values based on cost adjusted or other judgmentally determined factors. Collateral-dependent loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on changes in market conditions from the time of valuation and management’s knowledge of the borrower and borrower’s business. As of September 30, 2025 and December 31, 2024, total amortized cost of collateral-dependent loans measured on a nonrecurring basis amounted to $26,333 and $34,712, respectively. The allowance for credit losses is calculated as the amount for which the loan’s amortized cost basis exceeds fair value.
Other real estate owned acquired in settlement of indebtedness is recorded at fair value of the real estate less estimated costs to sell. Subsequently, it may be necessary to record nonrecurring fair value adjustments for declines in fair value. Any write-downs based on the asset’s fair value at the date of foreclosure are charged to the allowance for credit losses.
Appraisals for both collateral-dependent loans and other real estate owned are performed by certified appraisers whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of the lending administrative department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry wide statistics. Collateral-dependent loans that are dependent on recovery through sale of equipment, such as farm equipment, automobiles and aircrafts are generally valued based on public source pricing or subscription services while more complex assets are valued through leveraging brokers who have expertise in the collateral involved.
Fair value option
The following table summarizes the Company’s loans held for sale as of the dates presented:
September 30,December 31,
20252024
Loans held for sale under a fair value option:
  Mortgage loans held for sale145,789 95,403 
Loans held for sale not accounted for under a fair value option:
  Mortgage loans held for sale - guaranteed GNMA repurchase option21,660 31,357 
               Total loans held for sale$167,449 $126,760 
Mortgage loans held for sale
Net gains of $405 and $2,233 resulting from fair value changes of mortgage loans held for sale were recorded in income during the three and nine months ended September 30, 2025, respectively, compared to net losses of $241 and net gains of $315 during the three and nine months ended September 30, 2024, respectively. These gains and losses do not reflect changes in fair values of related derivative instruments used to hedge exposure to market-related risks associated with these mortgage loans held for sale. The net change in fair value of these loans held for sale and derivatives resulted in a net gain of $801 and $2,741 for the three and nine months ended September 30, 2025, respectively, compared to a net loss of $480 and a net gain of $1,337 during the three and nine months ended September 30, 2024, respectively. The change in fair value of mortgage loans held for sale and the related derivative instruments are recorded in mortgage banking income in the consolidated statements of income. Election of the fair value option allows the Company to reduce the accounting volatility that would otherwise result from the asymmetry created by accounting for the financial instruments at the lower of cost or fair value and the derivatives at fair value.
The Company’s valuation of mortgage loans held for sale incorporates an assumption for credit risk; however, given the short-term period that the Company holds these mortgage loans held for sale, valuation adjustments attributable to instrument-specific credit risk is nominal.
The following table summarizes the differences between the fair value and the principal balance for mortgage loans held for sale measured at fair value as of September 30, 2025 and December 31, 2024: 
September 30,December 31,
20252024
Aggregate fair value$145,789 $95,403 
Aggregate unpaid principal balance142,071 93,918 
     Difference$3,718 $1,485 
The following table contains the estimated fair values and the related carrying values of the Company’s financial instruments. Non-financial instruments are excluded from the table below.
 
 Fair Value
September 30, 2025Carrying amount Level 1Level 2Level 3Total
Financial assets:     
Cash and cash equivalents$1,280,033 $1,280,033 $— $— $1,280,033 
Investment securities1,428,401 — 1,428,401 — 1,428,401 
Net loans HFI12,112,607 — — 12,017,272 12,017,272 
Loans held for sale, at fair value145,789 — 145,789 — 145,789 
Interest receivable60,755 822 7,384 52,549 60,755 
Mortgage servicing rights149,840 — — 149,840 149,840 
Derivatives28,560 — 28,560 — 28,560 
Financial liabilities: 
Deposits: 
Without stated maturities$11,117,354 $11,117,354 $— $— $11,117,354 
With stated maturities2,695,601 — 2,693,758 — 2,693,758 
Securities sold under agreements to
repurchase and federal funds purchased
107,486 107,486 — — 107,486 
Subordinated debt, net83,338 — — 85,504 85,504 
Interest payable16,560 3,847 12,713 — 16,560 
Derivatives28,414 — 28,414 — 28,414 
 
 Fair Value
December 31, 2024Carrying amount Level 1Level 2Level 3Total
Financial assets:     
Cash and cash equivalents$1,042,488 $1,042,488 $— $— $1,042,488 
Investment securities1,538,008 — 1,538,008 — 1,538,008 
Net loans HFI9,450,442 — — 9,221,311 9,221,311 
Loans held for sale, at fair value95,403 — 95,403 — 95,403 
Interest receivable49,611 629 8,012 40,970 49,611 
Mortgage servicing rights162,038 — — 162,038 162,038 
Derivatives29,951 — 29,951 — 29,951 
Financial liabilities: 
Deposits: 
Without stated maturities$9,361,140 $9,361,140 $— $— $9,361,140 
With stated maturities1,849,294 — 1,846,989 — 1,846,989 
Securities sold under agreements to
repurchase and federal funds purchased
13,499 13,499 — — 13,499 
Subordinated debt, net130,704 — — 126,684 126,684 
Interest payable24,182 3,759 18,923 1,500 24,182 
Derivatives32,383 — 32,383 — 32,383 
v3.25.3
Segment Reporting
 9 Months Ended
Sep. 30, 2025
Segment Reporting [Abstract]  
Segment Reporting Segment reporting
The Company and the Bank are engaged in the business of banking and provide a full range of financial services to its customers. The Company determines reportable segments based on the significance of the segment’s operating results to the overall Company, the products and services offered, customer characteristics, processes and service delivery of the segments and the regular financial performance review and allocation of resources by the Chief Executive Officer, the Company’s chief operating decision maker. The Company has identified two distinct reportable segments—Banking and Mortgage. The Company’s primary segment is Banking, which provides a full range of deposit and lending products and services to corporate, commercial and consumer customers. The Company also originates conforming residential mortgage loans through its Mortgage segment, whose activities include the servicing of residential mortgage loans and securitization of loans to third party private investors or government sponsored agencies.
The chief operating decision maker uses income before income taxes as the measure of segment profit or loss to assess the performance of and allocate resources to each segment. Interest income provides the primary revenue in the Banking segment, and mortgage banking income provides the primary revenue in the Mortgage segment. Interest expense, provision for credit losses, salaries, commissions and employee benefits and merger and integration costs provide the significant expenses in the Banking segment, and salaries, commissions and employee benefits provide the significant expenses in the Mortgage segment. These figures are regularly provided to the chief operating decision maker and are monitored through budget-to-actual variance review.
The Company assigns a transfer rate to allocate net interest income to products and business segments. Through this process, the Company formulates a loan funding charge and a deposit funding credit for its entire loan and deposit portfolios. The intent of the transfer rate methodology is to transfer interest rate risk among the segments and allow management to better measure the net interest margin contribution of its products and business segments. Changes in management structure or allocation methodologies and procedures result in changes in reported segment financial data. Prior period results have been adjusted to conform to the current methodology.
The following tables present selected financial information with respect to the Company’s reportable segments for the three and nine months ended September 30, 2025 and 2024.
Three Months Ended September 30, 2025BankingMortgageConsolidated
Interest income$236,073 $825 $236,898 
Interest expense91,214 (1,556)89,658 
Net interest income144,859 2,381 147,240 
Provisions for credit losses 34,070 347 34,417 
Net interest income after provision for credit losses110,789 2,034 112,823 
Mortgage banking income— 16,874 16,874 
Change in fair value of mortgage servicing rights, net of hedging(1)
— (3,390)(3,390)
Other noninterest income13,078 73 13,151 
Total noninterest income13,078 13,557 26,635 
Salaries, commissions and employee benefits51,441 7,769 59,210 
Merger and integration costs16,057 — 16,057 
Depreciation and amortization3,167 18 3,185 
Amortization of intangibles2,079 — 2,079 
Other noninterest expense(2)
24,225 5,100 29,325 
Total noninterest expense96,969 12,887 109,856 
Income before income taxes$26,898 $2,704 $29,602 
Income tax expense6,227 
Net income applicable to FB Financial Corporation and noncontrolling
interest
23,375 
Net income applicable to noncontrolling interest— 
Net income applicable to FB Financial Corporation$23,375 
Total assets$15,598,629 $637,830 $16,236,459 
Goodwill350,353 — 350,353 
(1) Change in fair value of mortgage servicing rights, net of hedging is included in Mortgage banking income in the Company's consolidated statements of income.
(2) Other noninterest expense includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees and other expenses. Additionally, other noninterest expense for Mortgage includes servicing expenses.
Nine Months Ended September 30, 2025
Banking(3)
MortgageConsolidated
Interest income$595,948 $2,740 $598,688 
Interest expense236,421 (4,029)232,392 
Net interest income359,527 6,769 366,296 
Provisions for credit losses 36,841 5,205 42,046 
Net interest income after provision for credit losses322,686 1,564 324,250 
Mortgage banking income— 49,629 49,629 
Change in fair value of mortgage servicing rights, net of hedging(1)
— (10,690)(10,690)
Other noninterest (loss) income(23,982)158 (23,824)
Total noninterest (loss) income(23,982)39,097 15,115 
Salaries, commissions and employee benefits131,545 22,647 154,192 
Merger and integration costs19,192 — 19,192 
Depreciation and amortization8,759 61 8,820 
Amortization of intangibles3,366 — 3,366 
Other noninterest expense(2)
68,346 16,750 85,096 
Total noninterest expense231,208 39,458 270,666 
Income before income taxes$67,496 $1,203 $68,699 
Income tax expense3,046 
Net income applicable to FB Financial Corporation and noncontrolling
interest
65,653 
Net income applicable to noncontrolling interest(3)
8 
Net income applicable to FB Financial Corporation$65,645 
Total assets$15,598,629 $637,830 $16,236,459 
Goodwill350,353 — 350,353 
(1) Change in fair value of mortgage servicing rights, net of hedging is included in Mortgage banking income in the Company's consolidated statements of income.
(2) Other noninterest expense includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees and other expenses. Additionally, other noninterest expense for Mortgage includes servicing expenses.
(3) Banking segment includes noncontrolling interest.

Three Months Ended September 30, 2024BankingMortgageConsolidated
Interest income$185,824 $(196)$185,628 
Interest expense81,489 (1,878)79,611 
Net interest income104,335 1,682 106,017 
Provisions for credit losses 1,861 53 1,914 
Net interest income after provision for credit losses102,474 1,629 104,103 
Mortgage banking income— 16,043 16,043 
Change in fair value of mortgage servicing rights, net of hedging(1)
— (4,490)(4,490)
Other noninterest (loss) income(28,370)320 (28,050)
Total noninterest income(28,370)11,873 (16,497)
Salaries, commissions and employee benefits39,938 7,600 47,538 
Depreciation and amortization3,141 114 3,255 
Amortization of intangibles719 — 719 
Other noninterest expense(2)
19,316 5,384 24,700 
Total noninterest expense63,114 13,098 76,212 
Income before income taxes$10,990 $404 $11,394 
Income tax expense1,174 
Net income applicable to FB Financial Corporation and noncontrolling
interest
10,220 
Net income applicable to noncontrolling interest— 
Net income applicable to FB Financial Corporation$10,220 
Total assets$12,337,135 $583,087 $12,920,222 
Goodwill242,561 — 242,561 
(1) Change in fair value of mortgage servicing rights, net of hedging is included in Mortgage banking income in the Company's consolidated statements of income.
(2) Other noninterest expense includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees and other expenses. Additionally, other noninterest expense for Mortgage includes servicing expenses.
Nine Months Ended September 30, 2024
Banking(3)
MortgageConsolidated
Interest income$539,814 $(645)$539,169 
Interest expense235,824 (4,777)231,047 
Net interest income303,990 4,132 308,122 
Provisions for (reversals of) credit losses 5,131 (211)4,920 
Net interest income after provision for credit losses298,859 4,343 303,202 
Mortgage banking income— 47,915 47,915 
Change in fair value of mortgage servicing rights, net of hedging(1)
— (11,867)(11,867)
Other noninterest (loss) income(19,687)712 (18,975)
Total noninterest income(19,687)36,760 17,073 
Salaries, commissions and employee benefits116,521 21,860 138,381 
Depreciation and amortization8,594 363 8,957 
Amortization of intangibles2,260 — 2,260 
Other noninterest expense(2)
58,111 16,016 74,127 
Total noninterest expense185,486 38,239 223,725 
Income before income taxes$93,686 $2,864 $96,550 
Income tax expense18,393 
Net income applicable to FB Financial Corporation and noncontrolling
interest
78,157 
Net income applicable to noncontrolling interest(3)
8 
Net income applicable to FB Financial Corporation$78,149 
Total assets$12,337,135 $583,087 $12,920,222 
Goodwill242,561 — 242,561 
(1) Change in fair value of mortgage servicing rights, net of hedging is included in Mortgage banking income in the Company's consolidated statements of income.
(2) Other noninterest expense includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees and other expenses. Additionally, other noninterest expense for Mortgage includes servicing expenses.
(3) Banking segment includes noncontrolling interest.
v3.25.3
Minimum Capital Requirements
 9 Months Ended
Sep. 30, 2025
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]  
Minimum Capital Requirements Minimum capital requirements
Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can initiate regulatory action.
Under regulatory guidance for non-advanced approach institutions, the Bank and Company are required to maintain minimum capital ratios as outlined in the table below. Minimum risk-based capital adequacy ratios below include a capital conservation buffer of 2.50%. As of September 30, 2025 and December 31, 2024, the Bank and Company met all capital adequacy requirements to which they are subject. Additionally, under U.S. Basel III Capital Rules, the Bank and Company opted out of including accumulated other comprehensive income in regulatory capital.
Actual and required capital amounts and ratios are included below as of the dates indicated.
September 30, 2025
ActualMinimum Requirement for Capital Adequacy with
Capital Buffer		To Qualify as Well-Capitalized Under Prompt Corrective Action Provisions
AmountRatioAmountRatioAmountRatio
Total Capital (to risk-weighted assets)      
FB Financial Corporation$1,923,161 13.6 %$1,488,143 10.5 %N/AN/A
FirstBank1,863,890 13.3 %1,475,854 10.5 %$1,405,575 10.0 %
Tier 1 Capital (to risk-weighted assets)
FB Financial Corporation$1,662,376 11.7 %$1,204,687 8.5 %N/AN/A
FirstBank1,687,888 12.0 %1,194,739 8.5 %$1,124,460 8.0 %
Common Equity Tier 1 Capital
   (to risk-weighted assets)
FB Financial Corporation$1,662,376 11.7 %$992,095 7.0 %N/AN/A
FirstBank1,687,888 12.0 %983,903 7.0 %$913,624 6.5 %
Tier 1 Capital (to average assets)
FB Financial Corporation$1,662,376 10.6 %$628,731 4.0 %N/AN/A
FirstBank1,687,888 10.8 %626,042 4.0 %$782,552 5.0 %
December 31, 2024(1)
ActualMinimum Requirement for Capital Adequacy with
Capital Buffer		To Qualify as Well-Capitalized Under Prompt Corrective Action Provisions
AmountRatioAmountRatioAmountRatio
Total Capital (to risk-weighted assets)      
FB Financial Corporation$1,721,941 15.2 %$1,187,163 10.5 %N/AN/A
FirstBank1,650,305 14.7 %1,175,095 10.5 %$1,119,138 10.0 %
Tier 1 Capital (to risk-weighted assets)
FB Financial Corporation$1,480,722 13.1 %$961,037 8.5 %N/AN/A
FirstBank1,410,505 12.6 %951,267 8.5 %$895,310 8.0 %
Common Equity Tier 1 Capital
(to risk-weighted assets)
FB Financial Corporation$1,450,722 12.8 %$791,442 7.0 %N/AN/A
FirstBank1,410,505 12.6 %783,397 7.0 %$727,440 6.5 %
Tier 1 Capital (to average assets)
FB Financial Corporation$1,480,722 11.3 %$522,557 4.0 %N/AN/A
FirstBank1,410,505 10.8 %521,538 4.0 %$651,923 5.0 %
(1) The Company adopted CECL on January 1, 2020, and the December 31, 2024 regulatory capital ratios reflect the final year of the Company's election of the five-year transition provision.
v3.25.3
Employee Benefit Plans
 9 Months Ended
Sep. 30, 2025
Retirement Benefits [Abstract]  
Employee Benefit Plans Employee benefit plans
401(k) plan
The Company sponsors a defined contribution plan which covers substantially all employees and allows participating employees to contribute the maximum amount of their eligible salary subject to certain limits based on the federal tax laws. The Company has an employer match of 50% of the first 6% of an employee’s salary with any such contributions vesting ratably over a three-year period. Matching employer contributions totaled $1,478 and $3,691 for the three and nine months ended September 30, 2025, respectively and $760 and $2,526 for the three and nine months ended September 30, 2024, respectively.
Acquired supplemental retirement plans
Historically, the Company has maintained nonqualified supplemental retirement plans for certain former employees assumed through acquisitions. In connection with the Southern States merger, the Company assumed additional nonqualified supplemental retirement plans, similar to those previously maintained. As of September 30, 2025 and December 31, 2024, accrued expenses and other liabilities on the consolidated balance sheets included post-retirement benefits payable of $12,722 and $2,328, respectively, related to these plans. For the three and nine months ended September 30, 2025 and 2024, the expense related to these plans and payments to the participants were not meaningful.
Related to the nonqualified supplemental retirement plan obligations, the Company maintains BOLI policies covering these individuals and annuity contracts to satisfy the underlying obligation, all acquired through past acquisitions. At September 30, 2025 and December 31, 2024, cash surrender value of BOLI was $113,374 and $72,504, respectively. Income related to these policies (net of related insurance premium expense) amounted to $717 and $1,589 for the three and nine months ended September 30, 2025, respectively, and $385 and $3,296 for the three and nine months ended September 30, 2024, respectively. At September 30, 2025, the annuity contracts held had a contract value of $16,644 included in other assets. There were no such annuity contracts at December 31, 2024. Income related to these annuity contracts recorded in other income was not meaningful for the three and nine months ended September 30, 2025. There was no such income recorded for three and nine months ended September 30, 2024.
v3.25.3
Stock-Based Compensation
 9 Months Ended
Sep. 30, 2025
Share-Based Payment Arrangement [Abstract]  
Stock-Based Compensation Stock-based compensation
Restricted Stock Units
The Company grants RSUs under compensation arrangements for the benefit of certain employees and directors. RSU grants are subject to time-based vesting with associated compensation recognized on a straight-line basis based on the grant date fair value of the awards. The total number of RSUs granted represents the number of awards eligible to vest based upon the service conditions set forth in the grant agreements.
The following table summarizes changes in RSUs for the nine months ended September 30, 2025:
 Restricted Stock
Units
Outstanding		Weighted
Average Grant
Date
Fair Value
Balance at beginning of period (unvested)345,436 $36.71 
Granted170,614 48.27 
Vested(166,583)37.67 
Forfeited(11,676)40.54 
Balance at end of period (unvested)337,791 $41.94 
The total fair value of RSUs vested and released was $345 and $6,275 for the three and nine months ended September 30, 2025, respectively, and $207 and $5,496 for the three and nine months ended September 30, 2024, respectively.
The compensation cost related to these grants and vesting of RSUs was $1,747 and $6,343 for the three and nine months ended September 30, 2025, respectively, and $1,744 and $5,741 for the three and nine months ended September 30, 2024, respectively. These amounts include RSU grants made to directors and director compensation to be settled in stock amounting to $256 and $730 during the three and nine months ended September 30, 2025, respectively, and $237 and $584 for the three and nine months ended September 30, 2024, respectively.
As of September 30, 2025, there was $8,426 of total unrecognized compensation cost related to unvested RSUs which is expected to be recognized over a weighted-average period of 1.79 years. Additionally, as of September 30, 2025, there were 1,186,133 shares available for issuance under the Company’s stock compensation plans. As of September 30, 2025 and December 31, 2024, there was $308 and $344, respectively, accrued in accrued expenses and other liabilities related to dividend equivalent units declared which is to be paid upon vesting and distribution of the underlying RSUs.
Performance-Based Restricted Stock Units
The Company awards PSUs to certain employees. Under the terms of the awards, the number of units that will vest and convert to shares of common stock will be based on the Company’s achievement of certain performance metrics over a fixed three-year performance period. The number of shares issued upon vesting can range from 0% to 200% of the PSUs granted.
For PSUs granted prior to December 31, 2023, performance factors are based on the Company’s achievement of core return on average tangible common equity over the performance period relative to a predefined peer group.     
For PSUs granted after December 31, 2023, performance factors are based on a combination of the same metric discussed above as well as the Company’s adjusted tangible book value over the performance period.
Compensation expense for PSUs is estimated each period based on the fair value of the Company’s stock at the grant date and the most probable outcome of the performance condition, adjusted for the passage of time within the performance period of the awards.
The following table summarizes information about the changes in PSUs as of and for the nine months ended September 30, 2025:
Performance Stock
Units
Outstanding(1)
Weighted
Average Grant
Date
Fair Value
Balance at beginning of period (unvested)223,393 $38.06 
Granted75,329 49.33 
Performance adjustment (2)
348 44.09 
Vested(50,269)44.09 
Forfeited or expired(4,909)39.71 
Balance at end of period (unvested)243,892 $40.24 
(1) PSUs are presented in the table above assuming targets are met and the awards pay out at 100%.
(2) The performance adjustment represents the difference between shares granted and vested due to achievement of performance factors.
The following table summarizes data related to the Company’s outstanding PSUs as of September 30, 2025:
Grant YearGrant PricePerformance PeriodPSUs Outstanding
2023$37.17 2023 to 202572,595
2024$35.60 2024 to 202697,200
2025$49.33 2025 to 202774,097
The Company recorded compensation cost of $2,007 and $5,224 for the for the three and nine months ended September 30, 2025, respectively, and $607 and $1,520 for the three and nine months ended September 30, 2024 respectively. As of September 30, 2025, maximum unrecognized compensation cost at 200% payout related to the unvested PSUs was $12,490, and the weighted average remaining performance period over which the cost could be recognized was 2.00 years. As of September 30, 2025 and December 31, 2024, there was $256 and $217, respectively, accrued in accrued expenses and other liabilities related to dividend equivalent units declared which is to be paid upon vesting and distribution of the underlying PSUs.
Employee Stock Purchase Plan
The Company maintains an employee stock purchase plan under which employees, through payroll deductions, are able to purchase shares of Company common stock. The employee purchase price is 95% of the lower of the market price at the beginning or end of each six month offering period. The maximum number of shares issuable during any offering period is 200,000 shares, limited to 725 shares for each participating employee. There were 9,274 and 11,256 shares of common stock issued under the ESPP with proceeds from employee payroll withholdings of $450 and $473, during the three months ended September 30, 2025 and 2024, respectively. There were 17,435 and 21,862 shares of common stock issued under the ESPP with proceeds from employee payroll withholdings of $790 and $861, during the nine months ended September 30, 2025 and 2024, respectively.
v3.25.3
Related Party Transactions
 9 Months Ended
Sep. 30, 2025
Related Party Transactions [Abstract]  
Related Party Transactions Related party transactions
Loans
The Bank has made and expects to continue to make loans to management, executive officers, the directors and significant shareholders of the Company and their related interests in the ordinary course of business, in compliance with regulatory requirements.
An analysis of loans to management, executive officers, the directors and significant shareholders of the Bank and their related interests is presented below:
Loans outstanding at January 1, 2025$31,406 
New loans and advances20,991 
Change in related party status— 
Repayments(11,411)
Loans outstanding at September 30, 2025$40,986 
Unfunded commitments to management, executive officers, the directors, and significant shareholders and their related interests totaled $55,374 and $14,510 at September 30, 2025 and December 31, 2024, respectively.
Deposits
The Bank held deposits from related parties totaling $405,630 and $282,963 as of September 30, 2025 and December 31, 2024, respectively.
Leases
The Bank leases various office spaces from entities owned by certain directors of the Company under varying terms. Lease expense for these properties totaled $101 and $301 for the three and nine months ended September 30, 2025, respectively, and $100 and $311 for the three and nine months ended September 30, 2024, respectively.
Aviation lease
Through a wholly-owned subsidiary, FBK Aviation, LLC, the Company owns and maintains an aircraft. FBK Aviation, LLC maintains non-exclusive aircraft leases with entities owned by certain directors. The Company recognized income of $18 and $43 for the three and nine months ended September 30, 2025, respectively, and $3 and $46 for the three and nine months ended September 30, 2024, respectively, under these agreements.
Equity investment in preferred stock and master loan purchase agreement
The Company holds an equity investment in a privately held entity which originates manufactured housing loans through utilization of its proprietary developed technology. As a result of the investment, the Company holds two board seats on the entity’s board of directors. The Company also has a master loan purchase agreement with the entity to purchase up to $250,000 in manufactured housing loan production over an initial five-year term. Under this agreement, the Company purchased $17,770 and $45,780 of loans for the three and nine months ended September 30, 2025, respectively, and purchased $16,970 and $43,776 of loans for the three and nine months ended September 30, 2024. As of September 30, 2025 and December 31, 2024, the amortized cost of these loans HFI amounted to $128,042 and $86,890, respectively. See Note 3, “Investment securities”, for additional information on this investment.
v3.25.3
Insider Trading Arrangements
 3 Months Ended
Sep. 30, 2025
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
v3.25.3
Basis of Presentation (Policies)
 9 Months Ended
Sep. 30, 2025
Accounting Policies [Abstract]  
Basis of presentation and use of estimates
The unaudited consolidated financial statements, including the notes thereto, have been prepared in accordance with U.S. GAAP interim reporting requirements and general banking industry guidelines, and therefore, do not include all information and notes included in the annual consolidated financial statements in conformity with GAAP. These interim consolidated financial statements and notes thereto should be read in conjunction with the Company’s audited consolidated financial statements and accompanying notes included in the Company’s Annual Report on Form 10-K.
The unaudited consolidated financial statements include all adjustments, consisting of normal recurring adjustments, necessary for a fair presentation of the results for the interim periods. The results for interim periods are not necessarily indicative of results for a full year.
In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated financial statements and the reported results of operations for the reporting periods and the related disclosures. Although management’s estimates contemplate current conditions and how they are expected to change in the future, it is reasonably possible that actual conditions could vary from those anticipated, which could cause the Company’s financial condition and results of operations to vary significantly from those estimates.
Reclassifications
Certain prior period amounts have been reclassified to conform to the current period presentation without any impact on the reported amounts of net income or shareholders’ equity.
Earnings per common share
Earnings per common share
Basic EPS excludes dilution and is computed by dividing earnings attributable to common shareholders by the weighted average number of common shares outstanding during the period. Diluted EPS includes the dilutive effect of additional potential common shares issuable under stock-based compensation plans where securities have been granted but are not yet vested and distributable. Diluted EPS is computed by dividing earnings attributable to common shareholders by the weighted average number of common shares outstanding for the period, plus an incremental number of common-equivalent shares computed using the treasury stock method.
Allowance for credit losses Allowance for credit losses
The allowance for credit losses represents the portion of the loan’s amortized cost basis that the Company does not expect to collect due to credit losses over the loan’s life, considering past events, current conditions, and reasonable and supportable forecasts of future economic conditions. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.
The allowance for credit losses is based on the loan's amortized cost basis, excluding accrued interest receivable, as the Company promptly charges off uncollectible accrued interest receivable. Management’s determination of the appropriateness of the allowance is based on periodic evaluation of the loan portfolio, lending-related commitments and other relevant factors, including macroeconomic forecasts and historical loss rates. The Company’s estimates of credit losses incorporate forward-looking macroeconomic projections throughout the reasonable and supportable forecast period and the subsequent historical reversion at the macroeconomic variable input level. The contractual term of the loan is adjusted for estimated prepayments based on market information and the Company’s prepayment history is incorporated in the estimate of the life of a loan. In the future, the Company may update information and forecasts that may cause significant changes in the estimate in those future quarters.
Prior to June 30, 2025, the Company calculated its expected credit loss estimate using a lifetime loss rate methodology. The Company utilized probability-weighted forecasts, which considered multiple macroeconomic variables from Moody’s that were applicable to each type of loan. Refer to Note 1, “Basis of presentation and summary of significant accounting policies” in the Company's Annual Report on Form 10-K for the year ended December 31, 2024, for a detailed discussion regarding ACL methodology.
Following a periodic review of its credit loss estimation process, the Company concluded that a discounted cash flow estimation technique, adjusted for current conditions and reasonable and supportable forecasts, is a more preferred approach for estimating the expected credit losses of its loan segments, except consumer and other loans, which as of June 30, 2025, utilize the weighted average remaining maturity loss rate technique. The applicable CECL estimation technique is used to estimate the expected credit loss for off-balance sheet commitments for each loan segment. As part of the updates to estimation techniques, management updated certain related inputs and assumptions used to estimate the expected credit loss. The Company determined that the use of the updated estimate techniques and related inputs
and assumptions enhances the transparency, accuracy and relevance of information relating to its allowance for credit losses through the application of data and calculations more clearly calibrated to the Company’s historical experience, the nature of its loan portfolio and unfunded commitments, and expectations for future economic conditions and corresponding expected credit losses.
The changes in the estimation techniques and certain related inputs and assumptions used in the determination of the Company’s expected credit losses on its loan portfolio and unfunded commitments did not have a material impact to the Company’s operating results and financial condition. The provision for credit losses for the nine months ended September 30, 2025, reflects this change in estimate and is accounted for prospectively. CECL estimates, similar to the Company’s other significant estimates, utilize inputs and assumptions that are subject to inherent estimation uncertainties and the Company may update inputs and assumptions based on portfolio composition, performance data, economic forecasts or other CECL components, consistent with the requirements of ASC 326, that may cause significant changes in CECL estimates in the future periods.
The discounted cash flow estimation technique pairs loan-level contractual term information including maturity date, payment amount and interest rate with pool level assumptions such as default rates, severity rates and prepayment speeds to estimate expected cash flows for the pool. The Company continues to utilize Moody’s forecast inputs to forecast losses during the reasonable and supportable period and reversion period that provided the strongest correlation to the Company and its peers’ historical losses. Examples of these forecast inputs include national unemployment, national housing price index, national commercial real estate index and prime rates. All significant model assumptions are recalibrated at least annually and approved by the ACL Committee.
For calculation purposes, the Company disaggregates the portfolio utilizing segmentation based primarily on FFIEC Call report segmentation, specifically following call code loan categorization. Portfolio segments may consist of multiple call codes or subsets of call codes where specific risk characteristics can be identified and segregated for modeling purposes. The primary portfolio segments include:
Commercial and industrial loans. Commercial and industrial loans are typically made to small and medium-sized manufacturing, wholesale, retail and service businesses, and farmers for working capital and operating needs and business expansions. This category also includes loans secured by manufactured housing receivables made primarily to manufactured housing communities. Commercial and industrial loans generally include lines of credit and loans with maturities of five years or less. Commercial and industrial loans are generally made with operating cash flows as the primary source of repayment, but also include collateralization by inventory, accounts receivable, equipment and personal guarantees. This loan segment also includes the Company’s farmland and agriculture loans are underwritten with various terms and payment schedules and are generally collateralized by real estate, crop production, or other related assets.
Construction loans. Construction loans include commercial construction, land acquisition and land development loans and single-family interim construction loans to small and medium-sized businesses and individuals. These loans are generally secured by the land, or the real property being built and are made based on the Company’s assessment of the value of the property on an as-completed basis and repayment depends upon project completion and sale, refinancing, or operation of the real estate.
1-4 family mortgage loans. The Company’s residential real estate 1-to-4 family mortgage loans are primarily made with respect to and secured by single family homes in a first lien position which are both owner-occupied and investor owned. This pool also includes 100% financed mortgages that consist of 1-to-4 family mortgages that are originated under a 100% financing program for first time home buyers. 100% financed mortgages loans are further evaluated separately from the 1-4 family mortgage pool due to high initial loan value. This pool also includes the Company’s manufactured housing loans secured by real estate collateral. Repayment of loans in this loan segment are primarily dependent upon the cash flow of the borrower and the value of the property.
Residential line of credit loans. The Company’s residential line of credit loans includes junior liens consist of revolving lines of credit and term notes that are typically not in first position for liquidation preference. Repayment depends primarily on the cash flow of the borrower as well as the value of the real estate collateral.
Multi-family residential loans. The Company’s multi-family residential loans are primarily secured by multi-family properties, such as apartments and condominium buildings. Repayment depends primarily upon the cash flow of the borrower as well as the value of the real estate collateral.
Commercial real estate owner-occupied loans. The Company’s commercial real estate owner-occupied loans include loans to finance commercial real estate owner occupied properties for various purposes including use as offices,
warehouses, production facilities, health care facilities, retail centers, restaurants, and church facilities. Commercial real estate owner-occupied loans are typically repaid through the ongoing business operations of the borrower.
Commercial real estate non-owner occupied loans. The Company’s commercial real estate non-owner occupied loans include loans to finance commercial real estate investment properties for various purposes including use as offices, warehouses, health care facilities, hotels, mixed-use residential/commercial, manufactured housing communities, retail centers, multifamily properties, and assisted living facilities. Commercial real estate non-owner occupied loans are typically repaid with the funds received from the sale or refinancing of the property or rental income from such property.
Consumer and other loans. The Company’s consumer and other loans include loans to individuals for personal, family and household purposes, including car, boat and other recreational vehicle loans and personal lines of credit. Consumer loans are generally secured by vehicles and other household goods, with repayment depending primarily on the cash flow of the borrower. Consumer and other loans also include manufactured housing loans which are comprised of loans collateralized by manufactured housing not secured by real estate. These manufacturing housing loans exhibit risk characteristics similar to both 1-to-4 family loans and consumer loans and are therefore further evaluated in a separate pool. Repayment is dependent upon the cash flow of the borrower and the value of the property. Other loans include municipal loans to states and political subdivisions in the U.S. and are repaid through tax revenues or refinancing.
The discounted cash flow models estimate the net present value and is compared to the amortized cost of the pool with the resulting difference between the net present value and amortized cost as the initial modeled quantitative expected credit loss estimate for such pools.
The Company considers the need to qualitatively adjust its modeled quantitative expected credit loss estimate for information not otherwise captured in the model loss estimation process. These qualitative factor adjustments may increase or decrease the Company’s estimate of expected credit losses. The Company considers the qualitative factors that are relevant to the institution as of the reporting date, which may include, but are not limited to: levels of and trends in delinquencies and performance of loans; levels of and trends in write-offs and recoveries collected; trends in volume and terms of loans; effects of any changes in reasonable and supportable economic forecasts; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and expertise; available relevant information sources that contradict the Company’s own forecast; effects of changes in prepayment expectations or other factors affecting assessments of loan contractual terms; industry conditions; and effects of changes in credit concentrations.
A loan may require an individual evaluation when it is placed on nonaccrual status or no longer exhibits similar risk characteristics. These risk characteristics may include payment performance, internal or external credit scores, collateral type, effective interest rate or term among others. A loan is deemed collateral-dependent when the borrower is experiencing financial difficulty and the repayment is expected to be primarily through sale or operation of the collateral. The allowance for credit losses for collateral-dependent loans as well as loans where foreclosure is probable is calculated as the amount for which the amortized cost basis exceeds fair value of the underlying collateral. Fair value is determined based on appraisals performed by qualified appraisers and reviewed by qualified personnel. In cases where repayment is to be provided substantially through the sale of collateral, the Company reduces the fair value by the estimated costs to sell.
The Company evaluates all loan modifications according to the accounting guidance for loan refinancing and modifications to determine whether the modification should be accounted for as a new loan or a continuation of the existing loan. The Company derecognizes the existing loan and accounts for the modified loan as a new loan if the effective yield on the modified loan is at least equal to the effective yield for comparable loans with similar collection risks and the modifications to the original loan are more than minor. If a loan modification does not meet these conditions, it extends the existing loan’s amortized cost basis and accounts for the modified loan as a continuation of the existing loan. Substantially all of its loan modifications involving borrowers experiencing financial difficulty are accounted for as a continuation of the existing loan.
See Note 4, “Loans and allowance for credit losses” for additional details related to the Company's allowance for credit losses.
Off-balance sheet financial instruments Off-balance sheet financial instruments
Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to
loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded, unless considered derivatives.
For loan commitments that are not accounted for as derivatives and when the obligation is not unconditionally cancellable by the Company, the Company applies the CECL methodology to estimate the expected credit loss for off-balance sheet commitments. The estimate of expected credit losses for off-balance sheet credit commitments is recognized as a liability. When the loan is funded, an allowance for expected credit losses is estimated for that loan using the CECL methodology, and the liability for off-balance sheet commitments is reduced. When applying the CECL methodology to estimate the expected credit loss, the Company considers the likelihood that funding will occur, the contractual period of exposure to credit loss, the risk of loss, historical loss experience, and current conditions along with expectations of future economic conditions.
Recently adopted accounting standards and Newly issued not yet effective accounting standards
Recently adopted accounting standards:
In November 2023, the FASB issued ASU 2023-07, “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures.” The amendments in this update are intended to improve reportable segment disclosure requirements, primarily through enhanced disclosures about significant expenses. The ASU requires disclosures to include significant segment expenses that are regularly provided to the chief operating decision maker, a description of other segment items by reportable segment, and any additional measures of a segment's profit or loss used by the chief operating decision maker when deciding how to allocate resources. The ASU also requires all annual disclosures currently required by Topic 280, “Segment Reporting,” to be included in interim periods. The Company adopted this standard effective December 31, 2024, for annual financial statements and subsequent interim periods beginning in 2025, and retrospectively updated its disclosures. Refer to Note 12 for further information. The adoption of this standard did not have a material impact on the Company's consolidated financial statements.
In December 2023, the FASB issued ASU 2023-08, “Intangibles – Goodwill and Other-Crypto Assets (Subtopic 350-60): Accounting for and Disclosure of Crypto Assets.” This update requires entities to present crypto assets measured at fair value separately from other intangible assets on the balance sheet and reflect changes from remeasurement in net income. Additionally, an entity that receives crypto assets as noncash consideration in the ordinary course of business and converts them nearly immediately into cash is required to classify those cash receipts as cash flows from operating activities. Lastly, the update requires entities to provide interim and annual disclosures about the types of crypto assets they hold and any changes in their holdings of crypto assets. This guidance became effective January 1, 2025. Currently, the Company does not hold or facilitate transactions with crypto assets; however, if circumstances change the Company will evaluate any crypto asset activities and the applicable consolidated financial statement and disclosure requirements in accordance with the guidance.
Newly issued not yet effective accounting standards:
In December 2023, the FASB issued ASU 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures.” The amendments in this update enhance the transparency and decision usefulness of income tax disclosures. This ASU requires disclosures of specific categories and disaggregation of information in the rate reconciliation table. The ASU also requires disclosure of disaggregated information related to income taxes paid, income or loss from continuing operations before income tax expense or benefit, and income tax expense or benefit from continuing operations. The requirements of the ASU are effective for annual periods beginning after December 15, 2024. Early adoption is permitted, and the amendments should be applied on a prospective basis. Retrospective application is permitted. While the Company continues to evaluate the impact, ASU 2023-09 is not expected to have a material impact on the Company’s income tax disclosures.
In November 2024, the FASB issued ASU 2024-03, “Income Statement – Reporting Comprehensive Income – Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses.” This update is intended to provide investors more detailed disclosures around specific types of expenses. This ASU requires certain details for expenses presented on the face of the consolidated statements of income as well as selling expenses to be presented in the notes to the consolidated financial statements. This update is effective for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027, with early adoption permitted. The disclosure updates are required to be applied prospectively with the option for retrospective application. The Company is evaluating the impact this will have on the Company's consolidated financial statements and related disclosures.
Subsequent events
Subsequent events
The Company has evaluated, for consideration of recognition or disclosure, subsequent events that occurred through the date of issuance of these financial statements. The Company has determined that there were no subsequent events that occurred after September 30, 2025, but prior to the issuance of these financial statements that would have a material impact on the Company’s consolidated financial statements.
Credit Quality - Commercial Type Loans
Credit Quality - Commercial Type Loans
The Company categorizes commercial loan types into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans that share similar risk characteristics collectively. Loans that do not share similar risk characteristics may be evaluated individually.
The Company uses the following definitions for risk ratings:
Pass.
Loans rated Pass include those that are adequately collateralized performing loans which management believes do not have conditions that have occurred or may occur that would result in the loan being downgraded into an inferior category. The Pass category also includes commercial loans rated as Watch, which include those that management believes have conditions that have occurred, or may occur, which could result in the loan being downgraded to an inferior category.

Special Mention.
Loans rated Special Mention are those that have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the institution’s credit position at some future date. Management does not believe there will be a loss of principal or interest. These loans require intensive servicing and may possess more than normal credit risk.
Classified.
Loans included in the Classified category include loans rated as Substandard and Doubtful. Loans rated as Substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful loans have all the weaknesses inherent in those classified as Substandard, with the added characteristic that the weakness or weaknesses make collection or liquidation in full, based on currently existing facts, conditions, and values, highly questionable and improbable.
Risk ratings are updated on an ongoing basis and are subject to change by continuous loan monitoring processes.
Fair value of financial instruments Fair value of financial instruments
FASB ASC 820-10 defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820-10 also establishes a framework for measuring the fair value of assets and liabilities according to a hierarchy that prioritizes the inputs to valuation techniques used to measure fair value into three broad levels. The fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets and liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). The hierarchy maximizes the use of observable inputs and minimizes the use of unobservable inputs by requiring that the most observable inputs be used
when available. Observable inputs are inputs that market participants would use in pricing the asset or liability based on market data obtained from sources independent of the Company. Unobservable inputs are inputs that are derived from assumptions based on management’s estimate of assumptions that market participants would use in pricing the asset or liability based on the best information available under the circumstances.
The hierarchy is broken down into the following three levels, based on the reliability of inputs:
Level 1: Unadjusted quoted prices in active markets for identical assets or liabilities that are accessible at the measurement date.
Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active or other inputs that are observable or can be corroborated by observable market data.
Level 3: Significant unobservable inputs for assets or liabilities that are derived from assumptions based on management’s estimate of assumptions that market participants would use in pricing the assets or liabilities.
The Company records the fair values of financial assets and liabilities on a recurring and nonrecurring basis using the following methods and assumptions:
Investment securities
Investment securities are recorded at fair value on a recurring basis. Fair values for securities are based on quoted market prices, where available. If quoted prices are not available, fair values are based on quoted market prices of similar instruments or are determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the pricing relationship or correlation among other benchmark quoted securities. Investment securities valued using quoted market prices of similar instruments or that are valued using matrix pricing are classified as Level 2.
Loans held for sale
Mortgage loans held for sale are carried at fair value determined using current secondary market prices for loans with similar characteristics, that is, using Level 2 inputs.
Derivatives
The fair value of the Company's interest rate swap agreements to facilitate customer transactions are based upon fair values provided from entities that engage in interest rate swap activity and is based upon projected future cash flows and interest rates. The fair value of interest rate lock commitments associated with the mortgage pipeline is based on fees currently charged to enter into similar agreements, and for fixed-rate commitments, the difference between current levels of interest rates and the committed rates is also considered. The fair values of the Company's designated cash flow and fair value hedges are determined by calculating the difference between the discounted fixed rate cash flows and the discounted variable rate cash flows. The fair values of both the Company's hedges, including designated cash flow hedges and designated fair value hedges are based on pricing models that utilize observable market inputs. These financial instruments are classified as Level 2.
OREO
OREO is comprised of properties obtained in partial or total satisfaction of loan obligations and excess land and facilities held for sale. OREO acquired in settlement of indebtedness is recorded at the lower of the carrying amount of the loan or the fair value of the real estate less costs to sell. Fair value is determined on a nonrecurring basis based on appraisals by qualified licensed appraisers and is adjusted for management’s estimates of costs to sell and holding period discounts. OREO valuations are classified as Level 3.
Mortgage servicing rights
MSRs are carried at fair value. Fair value is determined using an income approach with various assumptions including expected cash flows, market discount rates, prepayment speeds, servicing costs, and other factors. As such, MSRs are considered Level 3.
Collateral- dependent loans
Collateral-dependent loans are loans for which, based on current information and events, the Company has determined foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and the Company expects repayment of the loan to be provided substantially through the operation or sale of the collateral and it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Collateral-dependent loans are classified as Level 3.
Collateral-dependent loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on changes in market conditions from the time of valuation and management’s knowledge of the borrower and borrower’s business. As of September 30, 2025 and December 31, 2024, total amortized cost of collateral-dependent loans measured on a nonrecurring basis amounted to $26,333 and $34,712, respectively. The allowance for credit losses is calculated as the amount for which the loan’s amortized cost basis exceeds fair value.
Other real estate owned acquired in settlement of indebtedness is recorded at fair value of the real estate less estimated costs to sell. Subsequently, it may be necessary to record nonrecurring fair value adjustments for declines in fair value. Any write-downs based on the asset’s fair value at the date of foreclosure are charged to the allowance for credit losses.
Appraisals for both collateral-dependent loans and other real estate owned are performed by certified appraisers whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of the lending administrative department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry wide statistics. Collateral-dependent loans that are dependent on recovery through sale of equipment, such as farm equipment, automobiles and aircrafts are generally valued based on public source pricing or subscription services while more complex assets are valued through leveraging brokers who have expertise in the collateral involved.
v3.25.3
Basis of Presentation (Tables)
 9 Months Ended
Sep. 30, 2025
Accounting Policies [Abstract]  
Schedule of Basic and Diluted Earnings Per Common Share Calculation
The following is a summary of the basic and diluted earnings per common share calculations for each of the periods presented:
 Three Months Ended September 30,Nine Months Ended September 30,
 2025 2024 20252024
Basic earnings per common share:
Earnings available to common shareholders$23,375 $10,220 $65,645 $78,149 
Weighted average basic shares outstanding53,627,997 46,650,563 48,775,217 46,762,213 
Basic earnings per common share$0.44 $0.22 $1.35 $1.67 
Diluted earnings per common share:
Earnings available to common shareholders$23,375 $10,220 $65,645 $78,149 
Weighted average basic shares outstanding53,627,997 46,650,563 48,775,217 46,762,213 
Weighted average diluted shares contingently issuable(1)
329,065 152,767 279,231 111,824 
Weighted average diluted shares outstanding53,957,062 46,803,330 49,054,448 46,874,037 
Diluted earnings per common share$0.43 $0.22 $1.34 $1.67 
(1) Excludes 56 restricted stock units outstanding considered to be antidilutive for the nine months ended September 30, 2025 and 4 and 904 restricted stock units outstanding considered to be antidilutive for the three and nine months ended September 30, 2024, respectively. There were no such restricted units outstanding for the three months ended September 30, 2025.
v3.25.3
Mergers and Acquisitions (Tables)
 9 Months Ended
Sep. 30, 2025
Business Combination, Asset Acquisition, Transaction between Entities under Common Control, and Joint Venture Formation [Abstract]  
Schedule of Allocation of the Consideration to Net Assets Acquired
The following table presents an allocation of the consideration to net assets acquired:
Purchase Price:
Net shares issued8,124,241 
Purchase price per share on June 30, 2025$45.30 
Value of stock consideration$368,028 
Cash consideration for outstanding stock options and fractional shares 327 
Total purchase price$368,355 
Fair value of net assets acquired260,563 
Goodwill resulting from merger$107,792 
Schedule of Preliminary Fair Values of Assets Acquired and Liabilities
The following table summarizes the preliminary fair values of assets acquired and liabilities assumed as of the merger date:
As of July 1, 2025
Southern States Bancshares, Inc.
ASSETS
Cash and cash equivalents $370,474 
Investments38,175 
Loans held for sale, at fair value756 
Loans HFI2,266,549 
Allowance for credit losses on PCD loans(7,518)
Premises and equipment37,016 
Bank-owned life insurance39,971 
Core deposit intangible30,820 
Other assets54,131 
Total assets$2,830,374 
LIABILITIES
Deposits:
Noninterest-bearing $562,479 
Interest-bearing checking102,666 
Money market and savings1,161,832 
Customer time deposits515,120 
Brokered and internet time deposits126,433 
Total deposits2,468,530 
Borrowings83,008 
Accrued expenses and other liabilities18,273 
Total liabilities assumed2,569,811 
Net assets acquired$260,563 
Schedule of Purchased Credit-Deteriorated Loans
As of July 1, 2025
Southern States Bancshares, Inc.
Purchased credit-deteriorated loans
Principal balance$402,735 
Allowance for credit losses at acquisition(7,518)
Net discount attributable to other factors(10,381)
Loans purchased credit-deteriorated fair value$384,836 
Schedule of Unaudited Pro Forma Financial Information The following unaudited pro forma condensed consolidated financial information presents the results of operations for the three and nine months ended September 30, 2025 and 2024, as though the Southern States merger had been completed as of January 1, 2024. The unaudited pro forma information combines the historical results of Southern States with the Company’s previously reported financial results, applies the impact of purchase accounting adjustments from the merger, as well as subsequent recognition of those purchase accounting adjustments, such as accretion from purchased loans, amortization from purchased deposits and debt and amortization of certain acquired intangible assets as if the merger was completed as of January 1, 2024, and excludes $28,366 of initial provision expense for credit losses on acquired loans and unfunded commitments from the third quarter of 2025 and instead includes such expenses in the first quarter of 2024. Merger expenses are reflected in the period in which they were incurred. The pro forma information presented below are hypothetical and is not intended to be indicative of the results of operations that would have occurred had the transaction been effective as of the assumed date. Additionally, these results do not include any effect of cost-saving or revenue-enhancing strategies.
Three Months Ended September 30,Nine Months Ended September 30,
2025 2024 2025 2024 
Net interest income$143,783 $134,597 $419,954 $389,691 
Total revenues170,418 119,857 426,430 410,887 
Net income applicable to FB Financial Corporation41,977 19,716 90,846 88,578 
v3.25.3
Investment Securities (Tables)
 9 Months Ended
Sep. 30, 2025
Investments, Debt and Equity Securities [Abstract]  
Schedule of Amortized Cost, Allowance for Credit Losses and Fair Value
The following tables summarize the amortized cost, allowance for credit losses and fair value of the AFS debt securities and the corresponding amounts of unrealized gains and losses recognized in accumulated other comprehensive loss, net at September 30, 2025 and December 31, 2024:  
September 30, 2025
 Amortized cost Gross unrealized gains Gross unrealized losses Allowance for credit losses on investments Fair Value
Investment Securities    
AFS debt securities  
U.S. government agency securities$656,685 $31 $(3,519)$— $653,197 
Mortgage-backed securities - residential619,439 511 (32,363)— 587,587 
Mortgage-backed securities - commercial 11,201 8 (528)— 10,681 
Municipal securities185,472 480 (20,541)— 165,411 
U.S. Treasury securities7,061 19 — — 7,080 
Corporate securities2,983 17 (5)— 2,995 
Total$1,482,841 $1,066 $(56,956)$— $1,426,951 
December 31, 2024
 Amortized costGross unrealized gains Gross unrealized losses Allowance for credit losses on investmentsFair Value
Investment Securities    
AFS debt securities    
U.S. government agency securities$564,752 $172 $(1,917)$— $563,007 
Mortgage-backed securities - residential927,883 393 (117,277)— 810,999 
Mortgage-backed securities - commercial15,965 — (1,108)— 14,857 
Municipal securities169,498 20 (21,661)— 147,857 
U.S. Treasury securities299 — — — 299 
Corporate securities1,000 — (11)— 989 
Total$1,679,397 $585 $(141,974)$— $1,538,008 
Schedule of Gross Unrealized Losses
The following tables show gross unrealized losses on AFS debt securities for which an allowance for credit losses has not been recorded at September 30, 2025 and December 31, 2024, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position:
September 30, 2025
 Less than 12 months12 months or moreTotal
 Fair ValueGross Unrealized Loss Fair ValueGross Unrealized LossFair ValueGross Unrealized Loss
U.S. government agency securities$547,360 $(2,712)$71,347 $(807)$618,707 $(3,519)
Mortgage-backed securities - residential191,440 (1,976)165,468 (30,387)356,908 (32,363)
Mortgage-backed securities - commercial— — 8,795 (528)8,795 (528)
Municipal securities5,050 (25)135,571 (20,516)140,621 (20,541)
Corporate securities— — 995 (5)995 (5)
Total$743,850 $(4,713)$382,176 $(52,243)$1,126,026 $(56,956)
 December 31, 2024
 Less than 12 months12 months or moreTotal
 Fair ValueGross Unrealized LossFair ValueGross Unrealized LossFair ValueGross Unrealized Loss
U.S. government agency securities$494,885 $(1,908)$714 $(9)$495,599 $(1,917)
Mortgage-backed securities - residential209,078 (8,956)441,502 (108,321)650,580 (117,277)
Mortgage-backed securities - commercial2,222 (19)12,635 (1,089)14,857 (1,108)
Municipal securities34,059 (2,376)110,173 (19,285)144,232 (21,661)
Corporate securities— — 989 (11)989 (11)
Total$740,244 $(13,259)$566,013 $(128,715)$1,306,257 $(141,974)
Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity
The amortized cost and fair value of AFS debt securities by contractual maturity as of September 30, 2025 and December 31, 2024 are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
September 30,December 31,
 2025 2024 
 Available-for-saleAvailable-for-sale
 Amortized costFair ValueAmortized costFair Value
Due in one year or less$205 $203 $849 $847 
Due in one to five years14,433 14,445 4,186 4,600 
Due in five to ten years346,312 342,997 225,954 222,943 
Due in over ten years491,251 471,038 504,560 483,762 
852,201 828,683 735,549 712,152 
Mortgage-backed securities - residential619,439 587,587 927,883 810,999 
Mortgage-backed securities - commercial11,201 10,681 15,965 14,857 
Total AFS debt securities$1,482,841 $1,426,951 $1,679,397 $1,538,008 
Schedule of Sales and Other Dispositions of Available-for-Sale Securities
Sales and other dispositions of AFS debt securities were as follows:
 Three Months Ended September 30,Nine Months Ended September 30,
 2025 2024 2025 2024 
Proceeds from sales$440 $318,194 $266,894 $526,076 
Proceeds from maturities, prepayments and calls83,204 89,834 217,865 224,070 
Gross realized gains— — 104 90 
Gross realized losses— 40,165 60,637 56,468 
Schedule of Restricted Equity Securities, At Cost
The table below represents the Company’s restricted equity securities held at cost as of September 30, 2025 and December 31, 2024.
 September 30,December 31,
 20252024
FHLB stock$34,813 $32,749 
First National Banker's Bankshares, Inc. stock1,168 — 
Pacific Coast Banker's Bank stock250 — 
Total restricted equity securities, at cost$36,231 $32,749 
v3.25.3
Loans and Allowance for Credit Losses on Loans HFI (Tables)
 9 Months Ended
Sep. 30, 2025
Receivables [Abstract]  
Schedule of Loans Outstanding by Class of Financing Receivable
Loans outstanding as of September 30, 2025 and December 31, 2024, by class of financing receivable are as follows:
 September 30,December 31,
 2025 2024 
Commercial and industrial$2,155,105 $1,691,213 
Construction1,195,392 1,087,732 
Residential real estate:
1-to-4 family mortgage1,852,626 1,616,754 
Residential line of credit707,303 602,475 
Multi-family mortgage736,424 653,769 
Commercial real estate:
Owner-occupied2,124,920 1,357,568 
Non-owner occupied2,890,233 2,099,129 
Consumer and other635,597 493,744 
Gross loans12,297,600 9,602,384 
Less: Allowance for credit losses on loans HFI(184,993)(151,942)
Net loans$12,112,607 $9,450,442 
Schedule of Credit Quality of Loan Portfolio by Year of Origination
The following tables present the credit quality of the Company’s commercial type loan portfolio as of September 30, 2025 and December 31, 2024 and the gross charge-offs for the nine months ended September 30, 2025 and the year ended December 31, 2024 by year of origination. Revolving loans are presented separately. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal constitutes a current period origination.
As of and for the nine months
    ended September 30, 2025
2025 2024 2023 2022 2021 PriorRevolving Loans Amortized Cost BasisTotal
Commercial and industrial
Pass$262,123 $287,681 $240,254 $144,729 $57,647 $203,087 $861,567 $2,057,088 
Special Mention2,023 2,205 5,311 13,784 1,075 15,697 5,996 46,091 
Classified452 2,199 7,210 28,853 284 4,470 8,458 51,926 
Total264,598 292,085 252,775 187,366 59,006 223,254 876,021 2,155,105 
            Current-period gross
               charge-offs		— — 54 — — 2,413 604 3,071 
Construction
Pass251,643 233,754 77,666 260,663 114,563 179,489 91 1,117,869 
Special Mention— 1,067 3,304 17,698 10,129 4,162 — 36,360 
Classified— 153 2,916 18,284 243 19,567 — 41,163 
Total251,643 234,974 83,886 296,645 124,935 203,218 91 1,195,392 
            Current-period gross
               charge-offs		— — — — — — 399 399 
Residential real estate:
Multi-family mortgage
Pass36,254 36,045 38,514 246,213 208,116 161,957 — 727,099 
Special Mention— — — — — — — — 
Classified— — — 592 8,715 18 — 9,325 
Total36,254 36,045 38,514 246,805 216,831 161,975 — 736,424 
             Current-period gross
                charge-offs		— — — — — — — — 
Commercial real estate:
Owner occupied
Pass258,439 320,426 216,259 355,833 291,000 561,544 80,743 2,084,244 
Special Mention— 408 4,491 1,369 6,229 14,691 290 27,478 
Classified— — 427 7,938 120 4,713 — 13,198 
Total258,439 320,834 221,177 365,140 297,349 580,948 81,033 2,124,920 
            Current-period gross
              charge-offs		— — — — — 17 — 17 
Non-owner occupied
Pass194,723 238,750 126,491 678,639 536,518 846,729 230,228 2,852,078 
Special Mention— — 4,783 8,410 4,559 10,054 — 27,806 
Classified— — 1,008 — 4,594 4,747 — 10,349 
Total194,723 238,750 132,282 687,049 545,671 861,530 230,228 2,890,233 
             Current-period gross
                charge-offs		— — — — — — — — 
Total commercial loan types
Pass1,003,182 1,116,656 699,184 1,686,077 1,207,844 1,952,806 1,172,629 8,838,378 
Special Mention2,023 3,680 17,889 41,261 21,992 44,604 6,286 137,735 
Classified452 2,352 11,561 55,667 13,956 33,515 8,458 125,961 
Total$1,005,657 $1,122,688 $728,634 $1,783,005 $1,243,792 $2,030,925 $1,187,373 $9,102,074 
            Current-period gross
                charge-offs		$— $— $54 $— $— $2,430 $1,003 $3,487 
As of and for the year ended
  December 31, 2024 		2024 2023 2022 2021 2020 PriorRevolving Loans Amortized Cost BasisTotal
Commercial and industrial
Pass$194,185 $182,677 $130,148 $56,460 $29,735 $104,236 $909,398 $1,606,839 
Special Mention2,684 2,425 7,609 277 285 2,015 24,345 39,640 
Classified— 175 19,125 4,424 1,659 6,201 13,150 44,734 
Total196,869 185,277 156,882 61,161 31,679 112,452 946,893 1,691,213 
              Current-period gross
                 charge-offs		— 116 950 506 1,234 7 8,267 11,080 
Construction
Pass190,058 116,122 349,716 99,225 27,616 54,099 199,596 1,036,432 
Special Mention156 87 15,432 389 10 576 — 16,650 
Classified— — 7,314 290 8,335 — 18,711 34,650 
Total190,214 116,209 372,462 99,904 35,961 54,675 218,307 1,087,732 
              Current-period gross
                  charge-offs		— — 122 — — — — 122 
Residential real estate:
Multi-family mortgage
Pass40,076 3,800 232,415 223,076 51,948 69,652 21,883 642,850 
Special Mention— — — — — — — — 
Classified— — — 9,919 — 1,000 — 10,919 
Total40,076 3,800 232,415 232,995 51,948 70,652 21,883 653,769 
             Current-period gross
                 charge-offs		— — — — — — — — 
Commercial real estate:
Owner occupied
Pass185,416 103,060 247,049 215,798 102,580 396,288 84,226 1,334,417 
Special Mention— — 1,370 2,582 — 6,133 — 10,085 
Classified— — 6,324 235 61 5,371 1,075 13,066 
Total185,416 103,060 254,743 218,615 102,641 407,792 85,301 1,357,568 
              Current-period gross
                  charge-offs		— — — — — — — — 
Non-owner occupied
Pass198,591 36,027 526,417 445,598 111,943 689,15858,255 2,065,989 
Special Mention— 4,836 — 1,527 — 19,311— 25,674 
Classified— — — 136 — 7,330— 7,466 
Total198,591 40,863 526,417 447,261 111,943 715,799 58,255 2,099,129 
               Current-period gross
                   charge-offs		— — — — — — — — 
Total commercial loan types
Pass808,326 441,686 1,485,745 1,040,157 323,822 1,313,433 1,273,358 6,686,527 
Special Mention2,840 7,348 24,411 4,775 295 28,035 24,345 92,049 
Classified— 175 32,763 15,004 10,055 19,902 32,936 110,835 
Total$811,166 $449,209 $1,542,919 $1,059,936 $334,172 $1,361,370 $1,330,639 $6,889,411 
              Current-period gross
                  charge-offs		— 116 1,072 506 1,234 7 8,267 11,202 
The following tables present the credit quality by classification of the Company’s consumer type loan portfolio as of September 30, 2025 and December 31, 2024 and the gross charge-offs for the nine months ended September 30, 2025 and the year ended December 31, 2024 by year of origination. Revolving loans are presented separately. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal constitutes a current period origination.
As of and for the nine months
    ended September 30, 2025
2025 2024 2023 2022 2021 PriorRevolving Loans Amortized Cost BasisTotal
Residential real estate:
1-to-4 family mortgage
Performing$271,131 $229,222 $169,347 $430,061 $347,851 $375,569 $— $1,823,181 
Nonperforming330 920 2,378 8,800 5,974 11,043 — 29,445 
Total271,461 230,142 171,725 438,861 353,825 386,612 — 1,852,626 
          Current-period gross
             charge-offs		— — 4 — — 754 — 758 
Residential line of credit
Performing— — — — — — 704,961 704,961 
Nonperforming— — — — — — 2,342 2,342 
Total— — — — — — 707,303 707,303 
          Current-period gross
             charge-offs		— — — — — — — — 
Consumer and other
Performing134,005 159,677 85,141 72,047 31,276 133,392 355 615,893 
Nonperforming523 3,674 3,733 1,815 3,083 6,876 — 19,704 
       Total134,528 163,351 88,874 73,862 34,359 140,268 355 635,597 
           Current-period gross
              charge-offs		1,434 118 76 104 86 989 4 2,811 
Total consumer type loans
Performing405,136 388,899 254,488 502,108 379,127 508,961 705,316 3,144,035 
Nonperforming853 4,594 6,111 10,615 9,057 17,919 2,342 51,491 
        Total$405,989 $393,493 $260,599 $512,723 $388,184 $526,880 $707,658 $3,195,526 
            Current-period gross
             charge-offs		$1,434 $118 $80 $104 $86 $1,743 $4 $3,569 
As of and for the year ended
  December 31, 2024 		2024 2023 2022 2021 2020 PriorRevolving Loans Amortized Cost BasisTotal
Residential real estate:
1-to-4 family mortgage
Performing$223,520 $165,395 $443,372 $360,188 $129,674 $266,661 $— $1,588,810 
Nonperforming27 941 7,254 6,357 4,192 9,173 — 27,944 
Total223,547 166,336 450,626 366,545 133,866 275,834 — 1,616,754 
           Prior-period gross
               charge-offs		10 54 150 130 67 28 — 439 
Residential line of credit
Performing— — — — — — 600,581 600,581 
Nonperforming— — — — — — 1,894 1,894 
Total— — — — — — 602,475 602,475 
           Prior-period gross
               charge-offs		— — — — — — 73 73 
Consumer and other
Performing139,684 93,817 76,286 35,507 29,387 102,233 652 477,566 
Nonperforming1,300 1,749 1,686 3,139 2,548 5,755 1 16,178 
       Total140,984 95,566 77,972 38,646 31,935 107,988 653 493,744 
            Prior-period gross
               charge-offs		1,593 511 302 278 69 298 — 3,051 
Total consumer type loans
Performing363,204 259,212 519,658 395,695 159,061 368,894 601,233 2,666,957 
Nonperforming1,327 2,690 8,940 9,496 6,740 14,928 1,895 46,016 
       Total$364,531 $261,902 $528,598 $405,191 $165,801 $383,822 $603,128 $2,712,973 
             Prior-period gross
                 charge-offs		1,603 565 452 408 136 326 73 3,563 
Schedule of Analysis of Aging by Class of Financing Receivable
The following tables represent an analysis of the aging by class of financing receivable as of September 30, 2025 and December 31, 2024:
September 30, 202530-89 days
past due and accruing
interest		90 days or 
more and accruing
interest 		Nonaccrual
loans		Loans current
on payments
and accruing
interest 		Total
Commercial and industrial$975 $20 $6,906 $2,147,204 $2,155,105 
Construction5,132 415 30,953 1,158,892 1,195,392 
Residential real estate:
1-to-4 family mortgage24,132 18,159 11,286 1,799,049 1,852,626 
Residential line of credit1,930 496 1,846 703,031 707,303 
Multi-family mortgage— — 9,325 727,099 736,424 
Commercial real estate:
Owner occupied1,875 361 10,639 2,112,045 2,124,920 
Non-owner occupied3,676 — 5,649 2,880,908 2,890,233 
Consumer and other16,909 6,860 12,844 598,984 635,597 
Total$54,629 $26,311 $89,448 $12,127,212 $12,297,600 
 
December 31, 202430-89 days
past due and accruing
interest		90 days or 
more and accruing
interest 		Nonaccrual
loans		Loans current on payments and accruing interest Total
Commercial and industrial$1,204 $730 $9,661 $1,679,618 $1,691,213 
Construction3,288 538 10,915 1,072,991 1,087,732 
Residential real estate:
1-to-4 family mortgage24,376 15,319 12,625 1,564,434 1,616,754 
Residential line of credit2,302 357 1,537 598,279 602,475 
Multi-family mortgage979 — 21 652,769 653,769 
Commercial real estate:
Owner occupied1,996 94 9,551 1,345,927 1,357,568 
Non-owner occupied— 3,512 2,667 2,092,950 2,099,129 
Consumer and other13,710 3,797 12,381 463,856 493,744 
Total$47,855 $24,347 $59,358 $9,470,824 $9,602,384 
Schedule of Amortized Cost, Related Allowance and Interest Income of Non-accrual Loans
The following tables provide the amortized cost basis of loans on nonaccrual status, as well as any related allowance as of September 30, 2025 and December 31, 2024 by class of financing receivable.
September 30, 2025Nonaccrual
with no
related
allowance		Nonaccrual
with
related
allowance
Commercial and industrial$1,173 $5,733 
Construction13,449 17,504 
Residential real estate:
1-to-4 family mortgage— 11,286 
Residential line of credit— 1,846 
Multi-family mortgage8,715 610 
Commercial real estate:
Owner occupied7,137 3,502 
Non-owner occupied5,414 235 
Consumer and other— 12,844 
Total$35,888 $53,560 
December 31, 2024
Nonaccrual
with no
related
allowance		Nonaccrual
with
related
allowance
Commercial and industrial$5,294 $4,367 
Construction1,653 9,262 
Residential real estate:
1-to-4 family mortgage1,562 11,063 
Residential line of credit148 1,389 
Multi-family mortgage— 21 
Commercial real estate:
Owner occupied6,415 3,136 
Non-owner occupied2,224 443 
Consumer and other— 12,381 
Total$17,296 $42,062 
The following presents interest income recognized on nonaccrual loans for the three and nine months ended September 30, 2025 and 2024:
Three Months Ended September 30,Nine Months Ended September 30,
2025202420252024
Commercial and industrial$179 $46 $209 $615 
Construction365 308 867 448 
Residential real estate:
1-to-4 family mortgage70 6 76 40 
Residential line of credit65 1 96 40 
Multi-family mortgage5 — 171 1 
Commercial real estate:
Owner occupied— — 8 124 
Non-owner occupied8 — 120 89 
Consumer and other145 — 204 — 
Total$837 $361 $1,751 $1,357 
Schedule of Amortized Cost of FDM Loans and Financial Effects of Loan Modifications
The following table presents the amortized cost of FDM loans as of September 30, 2025 and 2024 by type of concession granted that were modified during the three and nine months ended September 30, 2025 and 2024.

Term ExtensionPayment deferralInterest Rate Reduction
Combination(1)
Total% of total class of financing receivables
Three Months Ended September 30, 2025
Commercial and industrial$6 $— $— $— $6 — %
Construction787 — — — 787 0.1 %
Commercial real estate:
Owner occupied244 — — — 244 — %
Non-owner occupied— 4,594 — — 4,594 0.2 %
Total$1,037 $4,594 $— $— $5,631 — %
Nine Months Ended September 30, 2025
Commercial and industrial$152 $— $— $— $152 — %
Construction1,326 — 142 3,305 4,773 0.4 %
Residential real estate:
1-to-4 family mortgage461 1,832 — — 2,293 0.1 %
Commercial real estate:
Owner occupied244 — — — 244 — %
Non-owner occupied— 4,594 — — 4,594 0.2 %
Consumer and other— — — 63 63 — %
Total$2,183 $6,426 $142 $3,368 $12,119 0.1 %
Three Months Ended September 30, 2024
Commercial and industrial$— $— $— $7,038 $7,038 0.4 %
Construction— — — 1,713 1,713 0.2 %
Total$— $— $— $8,751 $8,751 0.1 %
Nine Months Ended September 30, 2024
Commercial and industrial$— $— $— $7,038 $7,038 0.4 %
Construction— — — 15,908 15,908 1.5 %
Consumer and other38 — — 97 135 — %
Total$38 $— $— $23,043 $23,081 0.2 %
(1) Includes FDM loans modified with a combination of term extension, payment deferral and interest rate reduction modifications.
The following table describes the financial effect of the modifications made to borrowers experiencing financial difficulty:
Three Months Ended September 30, 2025Weighted average term extension
(in months)		Weighted average payment deferral
(in months)		Weighted average interest rate reduction
Commercial and industrial13——%
Construction2——%
Commercial real estate:
Owner occupied3——%
Non-owner occupied—7—%
Nine months ended September 30, 2025Weighted average term extension
(in months)		Weighted average payment deferral
(in months)		Weighted average interest rate reduction
Commercial and industrial35——%
Construction442.50%
Residential real estate:
1-to-4 family mortgage3004—%
Commercial real estate:
Owner occupied3——%
Non-owner occupied—7—
Consumer and other13—2.00%
Three Months Ended September 30, 2024Weighted average term extension
(in months)		Weighted average payment deferral
(in months)		Weighted average interest rate reduction
Commercial and industrial1212—%
Construction36050.10%
Nine Months Ended September 30, 2024Weighted average term extension
(in months)		Weighted average payment deferral
(in months)		Weighted average interest rate reduction
Commercial and industrial1212—%
Construction4430.10%
Consumer and other25—1.49%
Schedule of Loans Defaulted, Previously Modified In Prior 12 Months The following tables depict loans defaulted that were previously modified in the prior 12 months:
Three Months Ended September 30, 2025Term ExtensionPayment deferralInterest Rate Reduction
Combination(1)
Residential real estate:
1-to-4 family mortgage$— $— $— $313 
(1) Includes FDM loans modified with a combination of term extension, payment deferral and interest rate reduction modifications.
Nine Months Ended September 30, 2025Term ExtensionPayment deferralInterest Rate Reduction
Combination(1)
Construction$— $— $142 $— 
Residential real estate:
1-to-4 family mortgage461 — — 313 
Consumer and other— — — 63 
(1) Includes FDM loans modified with a combination of term extension, payment deferral and interest rate reduction modifications.
Schedule of Payment Status Recorded Investment The tables below depict the performance of loans HFI as of September 30, 2025 and 2024 made to borrowers experiencing financial difficulty that were modified in the prior twelve months.
September 30, 202530-89 days
past due and accruing
interest		90 days or 
more and accruing
interest
Nonaccrual
loans(1)
Loans current
on payments
and accruing
interest 		Total
Commercial and industrial$— $— $— $152 $152 
Construction— — 3,305 1,468 4,773 
Residential real estate:
1-to-4 family mortgage313 — 1,464 1,193 2,970 
Residential line of credit— — — 29 29 
Commercial real estate:
Owner-occupied— — 244 — 244 
Non-owner occupied— — 1,031 3,562 4,593 
Consumer and other— 63 — — 63 
Total$313 $63 $6,044 $6,404 $12,824 
(1) Loans were on nonaccrual when modified and subsequently classified as FDM.
September 30, 202430-89 days
past due and accruing
interest		90 days or 
more and accruing
interest
Nonaccrual
loans(1)
Loans current
on payments
and accruing
interest 		Total
Commercial and industrial$— $— $7,038 $— $7,038 
Construction— — 1,713 14,195 15,908 
Residential real estate:
1-to-4 family mortgage— — 22 — 22 
Consumer and other32 — — 104 136 
Total$32 $— $8,773 $14,299 $23,104 
(1) Loans were on nonaccrual when modified and subsequently classified as FDM.
Schedule of Collateral-Dependent Loans
For collateral-dependent loans, or those loans for which repayment is expected to be provided substantially through the operation or sale of collateral, where the borrower is also experiencing financial difficulty, the following tables present the loans by class of financing receivable.
September 30, 2025
Type of Collateral
Real EstateLandBusiness AssetsTotal
Commercial and industrial$1,303 $— $23,630 $24,933 
Construction30,001 1,653 — 31,654 
Residential real estate:
1-to-4 family mortgage3,925 — — 3,925 
Multi-family mortgage8,715 — — 8,715 
Commercial real estate:
Owner occupied1,096 6,041 1,664 8,801 
Non-owner occupied16,048 — — 16,048 
Total$61,088 $7,694 $25,294 $94,076 
December 31, 2024
Type of Collateral
Real EstateLandBusiness AssetsTotal
Commercial and industrial$— $— $8,492 $8,492 
Construction22,047 1,653 — 23,700 
Residential real estate:
1-to-4 family mortgage1,843 — — 1,843 
Residential line of credit148 — — 148 
Multi-family mortgage9,919 — — 9,919 
Commercial real estate:
Owner occupied— 6,415 — 6,415 
Non-owner occupied6,886 — — 6,886 
Total$40,843 $8,068 $8,492 $57,403 
Schedule of Changes in Allowance for Credit Losses on Loans HFI by Class of Financing Receivable
The following tables provide the changes in the allowance for credit losses on loans HFI by class of financing receivable for the three and nine months ended September 30, 2025 and 2024:
 Commercial
and industrial 		Construction1-to-4
family
residential
mortgage 		Residential
line of credit 		Multi-family
residential
mortgage 		Commercial
real estate
owner
occupied 		Commercial
real estate
non-owner
occupied 		Consumer
and other 		Total
Three Months Ended September 30, 2025
Beginning balance -
June 30, 2025
$20,271 $21,848 $30,262 $8,671 $10,894 $11,939 $26,303 $18,760 $148,948 
Initial allowance on loans
  purchased with
  deteriorated credit quality		1,959 298 64 31 159 1,515 3,418 74 7,518 
Loans charged off(100)(399)(322)— — — — (888)(1,709)
Recoveries of loans
previously charged-off
12 — 6 11 — 4 — 246 279 
Provision for credit losses
   on loans HFI		3,933 6,110 3,049 1,745 762 6,902 04,352 3,104 29,957 
Ending balance -
September 30, 2025
$26,075 $27,857 $33,059 $10,458 $11,815 $20,360 $34,073 $21,296 $184,993 
Nine Months Ended September 30, 2025
Beginning balance -
December 31, 2024
$16,667 $31,698 $25,340 $10,952 $10,512 $11,993 $25,531 $19,249 $151,942 
Initial allowance on loans
   purchased with
   deteriorated credit quality		1,959 298 64 31 159 1,515 3,418 74 7,518 
Loans charged-off(3,071)(399)(758)— — (17)— (2,811)(7,056)
Recoveries of loans
previously charged-off
227 — 26 12 — 34 529 1,000 1,828 
Impact of change in
    accounting estimate for
    current expected credit
    losses		3,504 (4,705)2,717 (3,428)258 (1,074)(1,747)(2,373)(6,848)
Provision for credit losses
   on loans HFI		6,789 965 5,670 2,891 886 7,909 6,342 6,157 37,609 
Ending balance -
September 30, 2025
$26,075 $27,857 $33,059 $10,458 $11,815 $20,360 $34,073 $21,296 $184,993 
 Commercial
and industrial 		Construction1-to-4
family
residential
mortgage 		Residential
line of credit 		Multi-family
residential
mortgage 		Commercial
real estate
owner
occupied 		Commercial
real estate
non-owner
occupied 		Consumer
and other 		Total
Three Months Ended September 30, 2024
Beginning balance -
June 30, 2024
$22,530 $34,170 $25,631 $10,097 $8,810 $11,312 $24,543 $17,962 $155,055 
Loans charged off(90)— (2)(53)— — — (770)(915)
Recoveries of loans
previously charged-off
23 — 9 18 — 12 — 202 264 
Provision for (reversal of)
    credit losses on loans
    HFI		1,670 (3,612)341 662 834 243 98 1,620 1,856 
Ending balance -
September 30, 2024
$24,133 $30,558 $25,979 $10,724 $9,644 $11,567 $24,641 $19,014 $156,260 
Nine Months Ended September 30, 2024 
Beginning balance -
December 31, 2023
$19,599 $35,372 $26,505 $9,468 $8,842 $10,653 $22,965 $16,922 $150,326 
Loans charged-off(159)(92)(295)(73)— — — (2,136)(2,755)
Recoveries of loans
previously charged-off
57 — 75 18 — 240 — 651 1,041 
Provision for (reversal of)
    credit losses on loans
    HFI		4,636 (4,722)(306)1,311 802 674 1,676 3,577 7,648 
Ending balance -
  September 30, 2024		$24,133 $30,558 $25,979 $10,724 $9,644 $11,567 $24,641 $19,014 $156,260 
v3.25.3
Other Real Estate Owned (Tables)
 9 Months Ended
Sep. 30, 2025
Real Estate [Abstract]  
Schedule of Other Real Estate Owned The following table summarizes the other real estate owned for the three and nine months ended September 30, 2025 and 2024: 
Three Months Ended September 30,Nine Months Ended September 30,
 2025202420252024
Balance at beginning of period$2,998 $4,173 $4,409 $3,192 
Transfers from loans1,975 — 5,272 2,400 
Acquired through merger or acquisition120 — 120 — 
Proceeds from sale of other real estate owned(659)(412)(5,071)(1,846)
Gain (loss) on sale of other real estate owned32 18 (225)33 
Write-downs and partial liquidations— — (39)— 
Balance at end of period$4,466 $3,779 $4,466 $3,779 
v3.25.3
Goodwill and Intangible Assets (Tables)
 9 Months Ended
Sep. 30, 2025
Goodwill and Intangible Assets Disclosure [Abstract]  
Schedule of Goodwill
Goodwill represents the excess of the cost of a business combination over the fair value of the net assets acquired.
Goodwill
Balance at December 31, 2024242,561 
Addition from merger with Southern States (See Note 2)107,792 
Balance at September 30, 2025$350,353 
Schedule of Core Deposit and Other Intangibles The composition of core deposit and other intangibles, which excludes fully amortized intangibles, as of September 30, 2025 and December 31, 2024 is as follows:
 Core deposit and other intangibles
 Gross Carrying Amount Accumulated Amortization Net Carrying Amount
September 30, 2025   
Core deposit intangible$90,655 $(57,732)$32,923 
Customer base trust intangible1,600 (1,307)293 
Total core deposit and other intangibles$92,255 $(59,039)$33,216 
December 31, 2024
Core deposit intangible$59,835 $(54,486)$5,349 
Customer base trust intangible1,600 (1,187)413 
Total core deposit and other intangibles$61,435 $(55,673)$5,762 
Schedule of Aggregate Future Amortization Expense
The estimated aggregate future years amortization expense of core deposit and other intangibles is as follows:
Remaining 2025$1,934 
20267,089 
20275,996 
20284,877 
20293,904 
20303,112 
Thereafter6,304 
 $33,216 
v3.25.3
Leases (Tables)
 9 Months Ended
Sep. 30, 2025
Leases [Abstract]  
Schedule of Information Related to Company's Leases and Lease Expense
Information related to the Company’s leases is presented below as of September 30, 2025 and December 31, 2024:
September 30,December 31,
Classification20252024
Right-of-use assets:
Operating leasesOperating lease right-of-use assets$51,035$47,963
Finance leasesPremises and equipment, net1,0631,145
Total right-of-use assets$52,098$49,108
Lease liabilities:
Operating leasesOperating lease liabilities$62,664$60,024
Finance leasesBorrowings 1,1541,229
Total lease liabilities $63,818$61,253
Weighted average remaining lease term (in years) -
    operating		11.011.0
Weighted average remaining lease term (in years) -
    finance		9.610.4
Weighted average discount rate - operating3.68 %3.47 %
Weighted average discount rate - finance1.76 %1.76 %
The components of total lease expense included in the consolidated statements of income were as follows:
Three Months EndedNine Months Ended
September 30,September 30,
Classification2025 2024 2025 2024 
Operating lease costs:
Amortization of right-of-use assetOccupancy and equipment$2,023 $1,362 $5,846 $5,048 
Short-term lease costOccupancy and equipment70 96 229 282 
Variable lease costOccupancy and equipment333 321 1,302 1,024 
Loss on lease terminationsOccupancy and equipment265 — 265 — 
Finance lease costs:
Interest on lease liabilitiesInterest expense on borrowings6 6 16 17 
Amortization of right-of-use assetOccupancy and equipment28 28 83 83 
Sublease income Occupancy and equipment(214)(96)(634)(407)
Total lease cost$2,511 $1,717 $7,107 $6,047 
Schedule of Maturity Analysis of Operating Lease Liabilities
A maturity analysis of operating and finance lease liabilities and a reconciliation of cash flows to lease liabilities as of September 30, 2025 is as follows:
OperatingFinance
Leases Lease
September 30, 2026$2,317 $31 
September 30, 20279,127 123 
September 30, 20288,658 125 
September 30, 20297,744 127 
September 30, 20306,718 129 
Thereafter42,864 721 
     Total undiscounted future minimum lease payments77,428 1,256 
Less: imputed interest(14,764)(102)
     Lease liabilities$62,664 $1,154 
Schedule of Maturity Analysis of Finance Lease Liabilities
A maturity analysis of operating and finance lease liabilities and a reconciliation of cash flows to lease liabilities as of September 30, 2025 is as follows:
OperatingFinance
Leases Lease
September 30, 2026$2,317 $31 
September 30, 20279,127 123 
September 30, 20288,658 125 
September 30, 20297,744 127 
September 30, 20306,718 129 
Thereafter42,864 721 
     Total undiscounted future minimum lease payments77,428 1,256 
Less: imputed interest(14,764)(102)
     Lease liabilities$62,664 $1,154 
v3.25.3
Mortgage Servicing Rights (Tables)
 9 Months Ended
Sep. 30, 2025
Transfers and Servicing of Financial Assets [Abstract]  
Schedule of Changes in Mortgage Servicing Rights
Changes in the Company’s mortgage servicing rights were as follows for the three and nine months ended September 30, 2025 and 2024:
Three Months Ended September 30,Nine Months Ended September 30,
 202520242025 2024 
Carrying value at beginning of period$153,464 $164,505 $162,038 $164,249 
Capitalization849 1,418 2,498 4,067 
Change in fair value:
    Due to payoffs/paydowns
(3,438)(3,518)(9,703)(10,067)
    Due to change in valuation inputs or assumptions(1,035)(5,308)(4,993)(1,152)
        Carrying value at end of period$149,840 $157,097 $149,840 $157,097 
Schedule of Servicing Income and Expense Included in Mortgage Banking Income
The following table summarizes servicing income and expense, which are included in mortgage banking income and other noninterest expense, respectively, in the consolidated statements of income for the three and nine months ended September 30, 2025 and 2024: 
 Three Months Ended September 30,Nine Months Ended September 30,
 202520242025 2024 
   Servicing income$6,836 $7,244 $20,849 $21,907 
   Change in fair value of mortgage servicing rights(4,473)(8,826)(14,696)(11,219)
   Change in fair value of derivative hedging instruments1,083 4,336 4,006 (648)
Servicing income
3,446 2,754 10,159 10,040 
Servicing expenses1,409 1,732 4,974 5,612 
          Net servicing income
$2,037 $1,022 $5,185 $4,428 
Schedule of Data and Key Economic Assumptions Related to Mortgage Servicing Rights
Data and key economic assumptions, as well as the valuation's sensitivity to interest rate fluctuations, related to the Company’s mortgage servicing rights as of September 30, 2025 and December 31, 2024 are as follows: 
 September 30,December 31,
 20252024
Unpaid principal balance of mortgage loans sold and serviced for others$9,716,824 $10,235,048 
Weighted-average prepayment speed (CPR)6.51%6.04%
Estimated impact on fair value of a 10% increase$(4,133)$(4,213)
Estimated impact on fair value of a 20% increase$(7,972)$(8,168)
Discount rate9.65%10.2%
Estimated impact on fair value of a 100 bp increase$(7,000)$(7,515)
Estimated impact on fair value of a 200 bp increase$(13,416)$(14,397)
Weighted-average coupon interest rate3.64%3.59%
Weighted-average servicing fee (basis points)2727
Weighted-average remaining maturity (in months)337336
v3.25.3
Borrowings (Tables)
 9 Months Ended
Sep. 30, 2025
Debt Disclosure [Abstract]  
Schedule of Long-term Debt Instruments
The Company has access to various sources of funds that allow for management of interest rate exposure and liquidity. The following table summarizes the Company's outstanding borrowings and weighted average interest rates as of September 30, 2025 and December 31, 2024:
Outstanding BalanceWeighted Average Interest Rate
September 30,December 31,September 30,December 31,
2025 2024 2025 2024 
Securities sold under agreements to repurchase
    and federal funds purchased 		$107,486 $13,499 4.23 %0.20 %
Subordinated debt, net83,338 130,704 5.01 %5.28 %
Other borrowings22,814 32,586 0.09 %0.07 %
            Total$213,638 $176,789 
Schedule of Securities Sold Under Agreement to Repurchase
Information concerning securities sold under agreement to repurchase and federal funds purchased as of or for the nine months ended September 30, 2025 and year ended December 31, 2024 is summarized as follows:
September 30, 2025December 31, 2024
Balance at period-end$107,486 $13,499 
Average daily balance during the period11,773 21,339 
Average interest rate during the period0.72 %1.72 %
Maximum month-end balance during the period$107,486 $78,228 
Weighted average interest rate at period-end4.23 %0.20 %
Schedule of FHLB Advances
Information concerning FHLB advances as of or for the nine months ended September 30, 2025 within the table below. There were no FHLB advances outstanding as of or for the year ended December 31, 2024.
September 30, 2025
Balance at period-end$— 
Average daily balance during the period12,821 
Average interest rate during the period4.48 %
Maximum month-end balance during the period$100,000 
Weighted average interest rate at period-end— %
Schedule of Subordinated Debt
Further details regarding our subordinated debt as of September 30, 2025 are provided below.
Name Year establishedMaturity Call dateTotal debt outstanding Interest rate Coupon structure
February 2032 Subordinated Debt(1)
202202/07/203202/07/2027$47,500 3.50%
Quarterly fixed(2)
October 2032 Subordinated Debt(1)
202210/26/2032
10/26/2027
40,000 7.00%
Quarterly fixed(2)
December 2031 Subordinated Debt(1)
202112/22/2031
12/31/2026
5,000 3.50%
Quarterly fixed(2)
     Unamortized fair value marks(9,162)
     Total subordinated debt, net$83,338 
(1) The Company classifies the issuance, net of unamortized fair value marks, as Tier 2 capital, which will be phased out 20% per year in the final five years before maturity.
(2) Beginning on each respective call date, the coupon structure migrates to 3M SOFR plus a spread of 205 basis points, 306 basis points and 242 basis points for the February 2032, October 2032 and December 2031 subordinated issues, respectively, through the end of the term of each debenture.
v3.25.3
Income Taxes (Tables)
 9 Months Ended
Sep. 30, 2025
Income Tax Disclosure [Abstract]  
Schedule of Reconciliation of Income Taxes
The following table presents a reconciliation of income taxes for the three and nine months ended September 30, 2025 and 2024:
 Three Months Ended September 30,Nine Months Ended September 30,
 2025 2024 2025 2024 
Federal taxes calculated
    at statutory rate		$6,217 21.0 %$2,392 21.0 %$14,427 21.0 %$20,275 21.0 %
  Increase (decrease)
     resulting from:
State taxes, net of federal
   benefit		125 0.4 %(986)(8.7)%372 0.5 %(776)(0.8)%
(Benefit) expense from
  stock-based compensation		(29)(0.1)%(1)— %(408)(0.6)%75 0.1 %
Municipal interest
    income, net of interest
    disallowance		(408)(1.4)%(313)(2.7)%(1,221)(1.8)%(1,014)(1.1)%
Bank-owned life insurance(151)(0.5)%(81)(0.7)%(334)(0.5)%(692)(0.7)%
Section 162(m) limitation110 0.4 %43 0.4 %795 1.2 %247 0.3 %
Expiration of the statute of
   limitations(1)
— — %— — %(8,713)(12.7)%— — %
Interest on refunds(1)
— — %— — %(2,591)(3.8)%— — %
Other363 1.2 %120 1.0 %719 1.1 %278 0.3 %
Income tax expense, as
   reported		$6,227 21.0 %$1,174 10.3 %$3,046 4.4 %$18,393 19.1 %
(1) For the nine months ended September 30, 2025, a one-time tax benefit of $10,713 was recognized due to the expiration of the statute of limitations with respect to an amended income tax return and the associated interest.
v3.25.3
Commitments and Contingencies (Tables)
 9 Months Ended
Sep. 30, 2025
Commitments and Contingencies Disclosure [Abstract]  
Schedule of Financial Instruments with Off-Balance Sheet Credit Risk
September 30,December 31,
 2025 2024 
Commitments to extend credit, excluding interest rate lock commitments$3,190,375 $2,770,105 
Letters of credit66,586 69,855 
Balance at end of period$3,256,961 $2,839,960 
Schedule of Allowance of Credit Losses on Unfunded Commitments
The table below presents activity within the allowance for credit losses on unfunded loan commitments included in accrued expenses and other liabilities on the Company’s consolidated balance sheets:
Three Months Ended September 30,Nine Months Ended September 30,
2025 20242025 2024 
Balance at beginning of period$12,932 $5,984 $6,107 $8,770 
Provision for credit losses on unfunded commitments
    acquired in business combination		3,243 — 3,243 — 
Impact of change in accounting estimate for current
    expected credit losses		— — 6,452 — 
Provision for (reversal of) credit losses on unfunded
    commitments		1,217 58 1,590 (2,728)
Balance at end of period$17,392 $6,042 $17,392 $6,042 
v3.25.3
Derivatives (Tables)
 9 Months Ended
Sep. 30, 2025
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
Schedule of Non-Designated Derivative Financial Instruments
The following tables provide details on the Company’s non-designated derivative financial instruments as of the dates presented:
September 30, 2025
Notional AmountAssetLiability
  Interest rate contracts$683,218 $26,588 $26,640 
  Forward commitments275,000 — 630 
  Interest rate-lock commitments128,961 1,972 — 
  Futures contracts187,500 — 1,144 
    Total$1,274,679 $28,560 $28,414 
 December 31, 2024
 Notional AmountAssetLiability
  Interest rate contracts$565,152 $29,298 $29,377 
  Forward commitments140,000 6 — 
  Interest rate-lock commitments65,687 647 — 
  Futures contracts217,000 — 3,006 
    Total$987,839 $29,951 $32,383 
Schedule of Gains (Losses) Included in the Consolidated Statements of Income Related to Derivative Financial Instruments
(Losses) gains included in the consolidated statements of income related to the Company’s non-designated derivative financial instruments were as follows:
Three Months Ended September 30,Nine Months Ended September 30,
 2025 2024 2025 2024 
Included in mortgage banking income:
  Interest rate lock commitments$(350)$18 $1,325 $194 
  Forward commitments(1,237)(1,549)(1,560)(1,115)
  Futures contracts517 3,612 2,648 (787)
    Total$(1,070)$2,081 $2,413 $(1,708)
Schedule of Offsetting Assets
Gross amounts not offset on the consolidated balance sheets
Gross amounts recognizedGross amounts offset on the consolidated balance sheetsNet amounts presented on the consolidated balance sheetsFinancial instrumentsFinancial collateral pledgedNet Amount
September 30, 2025
Derivative financial assets$20,625 $— $20,625 $6,135 $— $14,490 
Derivative financial liabilities$11,078 $— $11,078 $6,135 $4,943 $— 
December 31, 2024
Derivative financial assets$28,379 $— $28,379 $1,030 $— $27,349 
Derivative financial liabilities$9,144 $— $9,144 $1,030 $8,114 $— 
Schedule of Offsetting Liabilities
Gross amounts not offset on the consolidated balance sheets
Gross amounts recognizedGross amounts offset on the consolidated balance sheetsNet amounts presented on the consolidated balance sheetsFinancial instrumentsFinancial collateral pledgedNet Amount
September 30, 2025
Derivative financial assets$20,625 $— $20,625 $6,135 $— $14,490 
Derivative financial liabilities$11,078 $— $11,078 $6,135 $4,943 $— 
December 31, 2024
Derivative financial assets$28,379 $— $28,379 $1,030 $— $27,349 
Derivative financial liabilities$9,144 $— $9,144 $1,030 $8,114 $— 
v3.25.3
Fair Value of Financial Instruments (Tables)
 9 Months Ended
Sep. 30, 2025
Fair Value Disclosures [Abstract]  
Schedule of Balances and Levels of Assets Measured at Fair Value on Recurring Basis
The balances and levels of the assets and liabilities measured at fair value on a recurring basis as of September 30, 2025 and December 31, 2024 are presented in the following tables:
At September 30, 2025Quoted prices
in active
markets for
identical assets
(liabilities)
(level 1)		Significant
other
observable
inputs
(level 2) 		Significant unobservable
inputs
(level 3) 		Total
Recurring valuations:    
Financial assets:     
AFS debt securities:    
U.S. government agency securities$— $653,197 $— $653,197 
Mortgage-backed securities - residential— 587,587 — 587,587 
Mortgage-backed securities - commercial— 10,681 — 10,681 
Municipal securities— 165,411 — 165,411 
U.S. Treasury securities— 7,080 — 7,080 
Corporate securities— 2,995 — 2,995 
Equity securities, at fair value— 1,450 — 1,450 
Total securities$— $1,428,401 $— $1,428,401 
Loans held for sale, at fair value$— $145,789 $— $145,789 
Mortgage servicing rights— — 149,840 149,840 
Derivatives— 28,560 — 28,560 
Financial Liabilities:
Derivatives— 28,414 — 28,414 
At December 31, 2024Quoted prices
in active
markets for
identical assets
(liabilities)
(level 1)		Significant
other
observable
inputs
(level 2) 		Significant unobservable
inputs
(level 3) 		Total
Recurring valuations:    
Financial assets:     
AFS debt securities:    
U.S. government agency securities$— $563,007 $— $563,007 
Mortgage-backed securities - residential— 810,999 — 810,999 
Mortgage-backed securities - commercial— 14,857 — 14,857 
Municipal securities — 147,857 — 147,857 
U.S. Treasury securities— 299 — 299 
Corporate securities— 989 — 989 
Total securities$— $1,538,008 $— $1,538,008 
Loans held for sale, at fair value$— $95,403 $— $95,403 
Mortgage servicing rights— — 162,038 162,038 
Derivatives— 29,951 — 29,951 
Financial Liabilities:
Derivatives— 32,383 — 32,383 
Schedule of Balances and Levels of Assets Measured at Fair Value on Non-recurring Basis
The balances and levels of the assets measured at fair value on a nonrecurring basis as of September 30, 2025 and December 31, 2024 are presented in the following tables: 
At September 30, 2025Quoted prices
in active
markets for
identical assets
(liabilities
(level 1)		Significant
other
observable
inputs
(level 2) 		Significant unobservable
inputs
(level 3) 		Total
Nonrecurring valuations:    
Financial assets:    
Other real estate owned$— $— $3,076 $3,076 
Collateral-dependent net loans held for
   investment:
Commercial and industrial— — 1,513 1,513 
Construction— — 16,326 16,326 
Residential real estate:
1-to-4 family mortgage— — 1,728 1,728 
Commercial real estate:
Non-owner occupied— — 5,930 5,930 
Total collateral-dependent loans$— $— $25,497 $25,497 
 
At December 31, 2024Quoted prices
in active
markets for
identical assets
(liabilities)
(level 1)		Significant
other
observable
inputs
(level 2)		Significant unobservable
inputs
(level 3)		Total
Nonrecurring valuations:    
Financial assets:    
Other real estate owned$— $— $2,873 $2,873 
Collateral-dependent net loans held for
    investment:
Commercial and industrial$— $— $694 $694 
Construction— — 20,818 20,818 
Residential real estate:
   Multifamily— — 9,000 9,000 
Total collateral-dependent loans$— $— $30,512 $30,512 
Schedule of Significant Unobservable Inputs (Level 3) Used in Valuation of Assets Measured at Fair Value on Nonrecurring Basis
The following tables present information as of September 30, 2025 and December 31, 2024 about significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a nonrecurring basis:
September 30, 2025
Financial instrumentFair ValueValuation techniqueSignificant 
unobservable inputs		Range of
inputs
Collateral-dependent net loans
   held for investment		$25,497 Valuation of collateralDiscount for comparable sales
10%-23%
Other real estate owned$3,076 Appraised value of property less costs to sellDiscount for costs to sell
0%-10%
December 31, 2024
Financial instrumentFair ValueValuation techniqueSignificant 
unobservable inputs		Range of
inputs
Collateral-dependent net loans
    held for investment		$30,512 Valuation of collateralDiscount for comparable sales
10%-40%
Other real estate owned$2,873 Appraised value of property less costs to sellDiscount for costs to sell
0%-10%
Schedule of Loans Held For Sale at Fair Value
The following table summarizes the Company’s loans held for sale as of the dates presented:
September 30,December 31,
20252024
Loans held for sale under a fair value option:
  Mortgage loans held for sale145,789 95,403 
Loans held for sale not accounted for under a fair value option:
  Mortgage loans held for sale - guaranteed GNMA repurchase option21,660 31,357 
               Total loans held for sale$167,449 $126,760 
Schedule of Differences Between Fair Value and Principal Balance for Loans Held for Sale Measured at Fair Value
The following table summarizes the differences between the fair value and the principal balance for mortgage loans held for sale measured at fair value as of September 30, 2025 and December 31, 2024: 
September 30,December 31,
20252024
Aggregate fair value$145,789 $95,403 
Aggregate unpaid principal balance142,071 93,918 
     Difference$3,718 $1,485 
Schedule of Estimated Fair Values and Carrying Values of Financial Instruments
The following table contains the estimated fair values and the related carrying values of the Company’s financial instruments. Non-financial instruments are excluded from the table below.
 
 Fair Value
September 30, 2025Carrying amount Level 1Level 2Level 3Total
Financial assets:     
Cash and cash equivalents$1,280,033 $1,280,033 $— $— $1,280,033 
Investment securities1,428,401 — 1,428,401 — 1,428,401 
Net loans HFI12,112,607 — — 12,017,272 12,017,272 
Loans held for sale, at fair value145,789 — 145,789 — 145,789 
Interest receivable60,755 822 7,384 52,549 60,755 
Mortgage servicing rights149,840 — — 149,840 149,840 
Derivatives28,560 — 28,560 — 28,560 
Financial liabilities: 
Deposits: 
Without stated maturities$11,117,354 $11,117,354 $— $— $11,117,354 
With stated maturities2,695,601 — 2,693,758 — 2,693,758 
Securities sold under agreements to
repurchase and federal funds purchased
107,486 107,486 — — 107,486 
Subordinated debt, net83,338 — — 85,504 85,504 
Interest payable16,560 3,847 12,713 — 16,560 
Derivatives28,414 — 28,414 — 28,414 
 
 Fair Value
December 31, 2024Carrying amount Level 1Level 2Level 3Total
Financial assets:     
Cash and cash equivalents$1,042,488 $1,042,488 $— $— $1,042,488 
Investment securities1,538,008 — 1,538,008 — 1,538,008 
Net loans HFI9,450,442 — — 9,221,311 9,221,311 
Loans held for sale, at fair value95,403 — 95,403 — 95,403 
Interest receivable49,611 629 8,012 40,970 49,611 
Mortgage servicing rights162,038 — — 162,038 162,038 
Derivatives29,951 — 29,951 — 29,951 
Financial liabilities: 
Deposits: 
Without stated maturities$9,361,140 $9,361,140 $— $— $9,361,140 
With stated maturities1,849,294 — 1,846,989 — 1,846,989 
Securities sold under agreements to
repurchase and federal funds purchased
13,499 13,499 — — 13,499 
Subordinated debt, net130,704 — — 126,684 126,684 
Interest payable24,182 3,759 18,923 1,500 24,182 
Derivatives32,383 — 32,383 — 32,383 
v3.25.3
Segment Reporting (Tables)
 9 Months Ended
Sep. 30, 2025
Segment Reporting [Abstract]  
Schedule of Segment Financial Information
The following tables present selected financial information with respect to the Company’s reportable segments for the three and nine months ended September 30, 2025 and 2024.
Three Months Ended September 30, 2025BankingMortgageConsolidated
Interest income$236,073 $825 $236,898 
Interest expense91,214 (1,556)89,658 
Net interest income144,859 2,381 147,240 
Provisions for credit losses 34,070 347 34,417 
Net interest income after provision for credit losses110,789 2,034 112,823 
Mortgage banking income— 16,874 16,874 
Change in fair value of mortgage servicing rights, net of hedging(1)
— (3,390)(3,390)
Other noninterest income13,078 73 13,151 
Total noninterest income13,078 13,557 26,635 
Salaries, commissions and employee benefits51,441 7,769 59,210 
Merger and integration costs16,057 — 16,057 
Depreciation and amortization3,167 18 3,185 
Amortization of intangibles2,079 — 2,079 
Other noninterest expense(2)
24,225 5,100 29,325 
Total noninterest expense96,969 12,887 109,856 
Income before income taxes$26,898 $2,704 $29,602 
Income tax expense6,227 
Net income applicable to FB Financial Corporation and noncontrolling
interest
23,375 
Net income applicable to noncontrolling interest— 
Net income applicable to FB Financial Corporation$23,375 
Total assets$15,598,629 $637,830 $16,236,459 
Goodwill350,353 — 350,353 
(1) Change in fair value of mortgage servicing rights, net of hedging is included in Mortgage banking income in the Company's consolidated statements of income.
(2) Other noninterest expense includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees and other expenses. Additionally, other noninterest expense for Mortgage includes servicing expenses.
Nine Months Ended September 30, 2025
Banking(3)
MortgageConsolidated
Interest income$595,948 $2,740 $598,688 
Interest expense236,421 (4,029)232,392 
Net interest income359,527 6,769 366,296 
Provisions for credit losses 36,841 5,205 42,046 
Net interest income after provision for credit losses322,686 1,564 324,250 
Mortgage banking income— 49,629 49,629 
Change in fair value of mortgage servicing rights, net of hedging(1)
— (10,690)(10,690)
Other noninterest (loss) income(23,982)158 (23,824)
Total noninterest (loss) income(23,982)39,097 15,115 
Salaries, commissions and employee benefits131,545 22,647 154,192 
Merger and integration costs19,192 — 19,192 
Depreciation and amortization8,759 61 8,820 
Amortization of intangibles3,366 — 3,366 
Other noninterest expense(2)
68,346 16,750 85,096 
Total noninterest expense231,208 39,458 270,666 
Income before income taxes$67,496 $1,203 $68,699 
Income tax expense3,046 
Net income applicable to FB Financial Corporation and noncontrolling
interest
65,653 
Net income applicable to noncontrolling interest(3)
8 
Net income applicable to FB Financial Corporation$65,645 
Total assets$15,598,629 $637,830 $16,236,459 
Goodwill350,353 — 350,353 
(1) Change in fair value of mortgage servicing rights, net of hedging is included in Mortgage banking income in the Company's consolidated statements of income.
(2) Other noninterest expense includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees and other expenses. Additionally, other noninterest expense for Mortgage includes servicing expenses.
(3) Banking segment includes noncontrolling interest.

Three Months Ended September 30, 2024BankingMortgageConsolidated
Interest income$185,824 $(196)$185,628 
Interest expense81,489 (1,878)79,611 
Net interest income104,335 1,682 106,017 
Provisions for credit losses 1,861 53 1,914 
Net interest income after provision for credit losses102,474 1,629 104,103 
Mortgage banking income— 16,043 16,043 
Change in fair value of mortgage servicing rights, net of hedging(1)
— (4,490)(4,490)
Other noninterest (loss) income(28,370)320 (28,050)
Total noninterest income(28,370)11,873 (16,497)
Salaries, commissions and employee benefits39,938 7,600 47,538 
Depreciation and amortization3,141 114 3,255 
Amortization of intangibles719 — 719 
Other noninterest expense(2)
19,316 5,384 24,700 
Total noninterest expense63,114 13,098 76,212 
Income before income taxes$10,990 $404 $11,394 
Income tax expense1,174 
Net income applicable to FB Financial Corporation and noncontrolling
interest
10,220 
Net income applicable to noncontrolling interest— 
Net income applicable to FB Financial Corporation$10,220 
Total assets$12,337,135 $583,087 $12,920,222 
Goodwill242,561 — 242,561 
(1) Change in fair value of mortgage servicing rights, net of hedging is included in Mortgage banking income in the Company's consolidated statements of income.
(2) Other noninterest expense includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees and other expenses. Additionally, other noninterest expense for Mortgage includes servicing expenses.
Nine Months Ended September 30, 2024
Banking(3)
MortgageConsolidated
Interest income$539,814 $(645)$539,169 
Interest expense235,824 (4,777)231,047 
Net interest income303,990 4,132 308,122 
Provisions for (reversals of) credit losses 5,131 (211)4,920 
Net interest income after provision for credit losses298,859 4,343 303,202 
Mortgage banking income— 47,915 47,915 
Change in fair value of mortgage servicing rights, net of hedging(1)
— (11,867)(11,867)
Other noninterest (loss) income(19,687)712 (18,975)
Total noninterest income(19,687)36,760 17,073 
Salaries, commissions and employee benefits116,521 21,860 138,381 
Depreciation and amortization8,594 363 8,957 
Amortization of intangibles2,260 — 2,260 
Other noninterest expense(2)
58,111 16,016 74,127 
Total noninterest expense185,486 38,239 223,725 
Income before income taxes$93,686 $2,864 $96,550 
Income tax expense18,393 
Net income applicable to FB Financial Corporation and noncontrolling
interest
78,157 
Net income applicable to noncontrolling interest(3)
8 
Net income applicable to FB Financial Corporation$78,149 
Total assets$12,337,135 $583,087 $12,920,222 
Goodwill242,561 — 242,561 
(1) Change in fair value of mortgage servicing rights, net of hedging is included in Mortgage banking income in the Company's consolidated statements of income.
(2) Other noninterest expense includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees and other expenses. Additionally, other noninterest expense for Mortgage includes servicing expenses.
(3) Banking segment includes noncontrolling interest.
v3.25.3
Minimum Capital Requirements (Tables)
 9 Months Ended
Sep. 30, 2025
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]  
Schedule of Actual and Required Capital Amounts and Ratios
Actual and required capital amounts and ratios are included below as of the dates indicated.
September 30, 2025
ActualMinimum Requirement for Capital Adequacy with
Capital Buffer		To Qualify as Well-Capitalized Under Prompt Corrective Action Provisions
AmountRatioAmountRatioAmountRatio
Total Capital (to risk-weighted assets)      
FB Financial Corporation$1,923,161 13.6 %$1,488,143 10.5 %N/AN/A
FirstBank1,863,890 13.3 %1,475,854 10.5 %$1,405,575 10.0 %
Tier 1 Capital (to risk-weighted assets)
FB Financial Corporation$1,662,376 11.7 %$1,204,687 8.5 %N/AN/A
FirstBank1,687,888 12.0 %1,194,739 8.5 %$1,124,460 8.0 %
Common Equity Tier 1 Capital
   (to risk-weighted assets)
FB Financial Corporation$1,662,376 11.7 %$992,095 7.0 %N/AN/A
FirstBank1,687,888 12.0 %983,903 7.0 %$913,624 6.5 %
Tier 1 Capital (to average assets)
FB Financial Corporation$1,662,376 10.6 %$628,731 4.0 %N/AN/A
FirstBank1,687,888 10.8 %626,042 4.0 %$782,552 5.0 %
December 31, 2024(1)
ActualMinimum Requirement for Capital Adequacy with
Capital Buffer		To Qualify as Well-Capitalized Under Prompt Corrective Action Provisions
AmountRatioAmountRatioAmountRatio
Total Capital (to risk-weighted assets)      
FB Financial Corporation$1,721,941 15.2 %$1,187,163 10.5 %N/AN/A
FirstBank1,650,305 14.7 %1,175,095 10.5 %$1,119,138 10.0 %
Tier 1 Capital (to risk-weighted assets)
FB Financial Corporation$1,480,722 13.1 %$961,037 8.5 %N/AN/A
FirstBank1,410,505 12.6 %951,267 8.5 %$895,310 8.0 %
Common Equity Tier 1 Capital
(to risk-weighted assets)
FB Financial Corporation$1,450,722 12.8 %$791,442 7.0 %N/AN/A
FirstBank1,410,505 12.6 %783,397 7.0 %$727,440 6.5 %
Tier 1 Capital (to average assets)
FB Financial Corporation$1,480,722 11.3 %$522,557 4.0 %N/AN/A
FirstBank1,410,505 10.8 %521,538 4.0 %$651,923 5.0 %
(1) The Company adopted CECL on January 1, 2020, and the December 31, 2024 regulatory capital ratios reflect the final year of the Company's election of the five-year transition provision.
v3.25.3
Stock-Based Compensation (Tables)
 9 Months Ended
Sep. 30, 2025
Share-Based Payment Arrangement [Abstract]  
Schedule of Changes in Restricted Stock Units
The following table summarizes changes in RSUs for the nine months ended September 30, 2025:
 Restricted Stock
Units
Outstanding		Weighted
Average Grant
Date
Fair Value
Balance at beginning of period (unvested)345,436 $36.71 
Granted170,614 48.27 
Vested(166,583)37.67 
Forfeited(11,676)40.54 
Balance at end of period (unvested)337,791 $41.94 
Schedule of Changes in Performance Stock Units
The following table summarizes information about the changes in PSUs as of and for the nine months ended September 30, 2025:
Performance Stock
Units
Outstanding(1)
Weighted
Average Grant
Date
Fair Value
Balance at beginning of period (unvested)223,393 $38.06 
Granted75,329 49.33 
Performance adjustment (2)
348 44.09 
Vested(50,269)44.09 
Forfeited or expired(4,909)39.71 
Balance at end of period (unvested)243,892 $40.24 
(1) PSUs are presented in the table above assuming targets are met and the awards pay out at 100%.
(2) The performance adjustment represents the difference between shares granted and vested due to achievement of performance factors.
Schedule of Outstanding Performance Stock Units The following table summarizes data related to the Company’s outstanding PSUs as of September 30, 2025:
Grant YearGrant PricePerformance PeriodPSUs Outstanding
2023$37.17 2023 to 202572,595
2024$35.60 2024 to 202697,200
2025$49.33 2025 to 202774,097
v3.25.3
Related Party Transactions (Tables)
 9 Months Ended
Sep. 30, 2025
Related Party Transactions [Abstract]  
Schedule of Analysis of Loans to Management, Executive Officers, Directors and Related Interests
An analysis of loans to management, executive officers, the directors and significant shareholders of the Bank and their related interests is presented below:
Loans outstanding at January 1, 2025$31,406 
New loans and advances20,991 
Change in related party status— 
Repayments(11,411)
Loans outstanding at September 30, 2025$40,986 
v3.25.3
Basis of Presentation - Narrative (Details)
 9 Months Ended
Sep. 30, 2025
branch
Accounting Policies [Abstract]  
Number of full-service branches 91
Mortgage loan, percentage financed by borrower 100.00%
Mortgage loan program, percentage financed by borrower 100.00%
v3.25.3
Basis of Presentation - Schedule of Basic and Diluted Earnings Per Common Share Calculation (Details) - USD ($)
$ / shares in Units, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Basic earnings per common share:        
Earnings available to common shareholders $ 23,375 $ 10,220 $ 65,645 $ 78,149
Weighted average basic shares outstanding (in shares) 53,627,997 46,650,563 48,775,217 46,762,213
Basic earnings per common share (in dollars per share) $ 0.44 $ 0.22 $ 1.35 $ 1.67
Diluted earnings per common share:        
Earnings available to common shareholders $ 23,375 $ 10,220 $ 65,645 $ 78,149
Weighted average basic shares outstanding (in shares) 53,627,997 46,650,563 48,775,217 46,762,213
Weighted average diluted shares contingently issuable (in shares) 329,065 152,767 279,231 111,824
Weighted average diluted shares outstanding (in shares) 53,957,062 46,803,330 49,054,448 46,874,037
Diluted earnings per common share (in dollars per share) $ 0.43 $ 0.22 $ 1.34 $ 1.67
Restricted Stock Units        
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]        
Restricted stock units outstanding considered to be antidilutive (in shares) 0 4 56 904
v3.25.3
Mergers and Acquisitions - Narrative (Details)
$ in Thousands
 3 Months Ended 9 Months Ended
Jul. 01, 2025
USD ($)
branch
shares
Sep. 30, 2025
USD ($)
Sep. 30, 2024
USD ($)
Sep. 30, 2025
USD ($)
Sep. 30, 2024
USD ($)
Dec. 31, 2024
USD ($)
Business Combination [Line Items]            
Goodwill   $ 350,353 $ 242,561 $ 350,353 $ 242,561 $ 242,561
Merger and integration costs   16,057 $ 0 19,192 $ 0  
Provisions for credit losses   7,518   7,518    
Southern States Bancshares, Inc.            
Business Combination [Line Items]            
Number of branches acquired | branch 13          
Total assets $ 2,830,374          
Loans 2,267,305          
Deposits assumed in acquisition 2,468,530          
Value of stock consideration $ 368,028          
Business acquisition, shares issued (in shares) | shares 8,124,241          
Cash consideration $ 327          
Goodwill 107,792          
Core deposit intangible $ 30,820          
Estimated useful life 10 years          
Merger and integration costs   $ 16,057   $ 19,192    
Deterioration credit quality since origination, percentage 17.00%          
Provisions for credit losses $ 25,123          
Increase in provision for credit losses from unfunded commitments $ 3,243          
v3.25.3
Mergers and Acquisitions - Schedule of Allocation of the Consideration to Net Assets Acquired (Details) - USD ($)
$ / shares in Units, $ in Thousands
Jul. 01, 2025
Sep. 30, 2025
Dec. 31, 2024
Sep. 30, 2024
Purchase Price:        
Goodwill resulting from merger   $ 350,353 $ 242,561 $ 242,561
Southern States Bancshares, Inc.        
Purchase Price:        
Net shares issued (in shares) 8,124,241      
Purchase price per share (in dollars per share) $ 45.30      
Value of stock consideration $ 368,028      
Cash consideration for outstanding stock options and fractional shares 327      
Total purchase price 368,355      
Fair value of net assets acquired 260,563      
Goodwill resulting from merger $ 107,792      
v3.25.3
Mergers and Acquisitions - Schedule of Preliminary Fair Values of Assets Acquired and Liabilities (Details) - Southern States Bancshares, Inc.
$ in Thousands
Jul. 01, 2025
USD ($)
ASSETS  
Cash and cash equivalents $ 370,474
Investments 38,175
Loans held for sale, at fair value 756
Loans HFI 2,266,549
Allowance for credit losses on PCD loans (7,518)
Premises and equipment 37,016
Bank-owned life insurance 39,971
Core deposit intangible 30,820
Other assets 54,131
Total assets 2,830,374
LIABILITIES  
Noninterest-bearing 562,479
Interest-bearing checking 102,666
Money market and savings 1,161,832
Customer time deposits 515,120
Brokered and internet time deposits 126,433
Total deposits 2,468,530
Borrowings 83,008
Accrued expenses and other liabilities 18,273
Total liabilities assumed 2,569,811
Net assets acquired $ 260,563
v3.25.3
Mergers and Acquisitions - Schedule of Purchased Credit-Deteriorated Loans (Details) - Southern States Bancshares, Inc.
$ in Thousands
Jul. 01, 2025
USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Principal balance $ 402,735
Allowance for credit losses at acquisition (7,518)
Net discount attributable to other factors (10,381)
Loans purchased credit-deteriorated fair value $ 384,836
v3.25.3
Mergers and Acquisitions - Schedule of Unaudited Pro Forma Financial Information (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Business Combination, Pro Forma Information [Line Items]        
Merger and integration costs $ 16,057 $ 0 $ 19,192 $ 0
Provision expense for credit losses on acquired loans and unfunded commitments 34,417 1,914 42,046 4,920
Net interest income 143,783 134,597 419,954 389,691
Total revenues 170,418 119,857 426,430 410,887
Net income applicable to FB Financial Corporation 41,977 $ 19,716 90,846 $ 88,578
Southern States Bancshares, Inc.        
Business Combination, Pro Forma Information [Line Items]        
Merger and integration costs 16,057   $ 19,192  
Provision expense for credit losses on acquired loans and unfunded commitments $ 28,366      
v3.25.3
Investment Securities - Schedule of Amortized Cost, Allowance for Credit Losses and Fair Value (Details) - USD ($)
Sep. 30, 2025
Dec. 31, 2024
Investment Securities    
Amortized cost $ 1,482,841,000 $ 1,679,397,000
Gross unrealized gains 1,066,000 585,000
Gross unrealized losses (56,956,000) (141,974,000)
Allowance for credit losses on investments 0 0
Fair Value 1,426,951,000 1,538,008,000
U.S. government agency securities    
Investment Securities    
Amortized cost 656,685,000 564,752,000
Gross unrealized gains 31,000 172,000
Gross unrealized losses (3,519,000) (1,917,000)
Allowance for credit losses on investments 0 0
Fair Value 653,197,000 563,007,000
Mortgage-backed securities - residential    
Investment Securities    
Amortized cost 619,439,000 927,883,000
Gross unrealized gains 511,000 393,000
Gross unrealized losses (32,363,000) (117,277,000)
Allowance for credit losses on investments 0 0
Fair Value 587,587,000 810,999,000
Mortgage-backed securities - commercial    
Investment Securities    
Amortized cost 11,201,000 15,965,000
Gross unrealized gains 8,000 0
Gross unrealized losses (528,000) (1,108,000)
Allowance for credit losses on investments 0 0
Fair Value 10,681,000 14,857,000
Municipal securities    
Investment Securities    
Amortized cost 185,472,000 169,498,000
Gross unrealized gains 480,000 20,000
Gross unrealized losses (20,541,000) (21,661,000)
Allowance for credit losses on investments 0 0
Fair Value 165,411,000 147,857,000
U.S. Treasury securities    
Investment Securities    
Amortized cost 7,061,000 299,000
Gross unrealized gains 19,000 0
Gross unrealized losses 0 0
Allowance for credit losses on investments 0 0
Fair Value 7,080,000 299,000
Corporate securities    
Investment Securities    
Amortized cost 2,983,000 1,000,000
Gross unrealized gains 17,000 0
Gross unrealized losses (5,000) (11,000)
Allowance for credit losses on investments 0 0
Fair Value $ 2,995,000 $ 989,000
v3.25.3
Investment Securities - Narrative (Details)
 3 Months Ended 9 Months Ended
Sep. 30, 2025
USD ($)
security
Sep. 30, 2024
USD ($)
Sep. 30, 2025
USD ($)
security
Sep. 30, 2024
USD ($)
Dec. 31, 2024
USD ($)
security
Debt and Equity Securities, FV-NI [Line Items]          
Accrued interest receivable $ 60,755,000   $ 60,755,000   $ 49,611,000
Trade date receivables settled after period end 0   0   0
Trade date payables settled after period end 25,036,000   25,036,000   0
Allowance for credit losses on investments $ 0   $ 0   $ 0
Number of securities in securities portfolio | security 322   322   271
Number of securities in securities portfolio, unrealized loss position | security 214   214   248
Equity securities, at fair value $ 1,450,000   $ 1,450,000   $ 0
Net loss on change in fair value and sale of equity securities 12,000 $ 0 12,000 $ 0  
Equity securities without a readily determinable market value 28,703,000   28,703,000   23,459,000
Equity method investments 18,237,000   18,237,000   19,970,000
Equity method goodwill 17,103,000   17,103,000    
Collateral Pledged          
Debt and Equity Securities, FV-NI [Line Items]          
Securities pledged 818,235,000   818,235,000   937,043,000
Debt Securities          
Debt and Equity Securities, FV-NI [Line Items]          
Accrued interest receivable $ 5,246,000   $ 5,246,000   $ 6,401,000
v3.25.3
Investment Securities - Schedule of Gross Unrealized Losses (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Investment Securities    
Fair Value, Less than 12 months $ 743,850 $ 740,244
Gross Unrealized Loss , Less than 12 months (4,713) (13,259)
Fair Value, 12 months or more 382,176 566,013
Gross Unrealized Loss , 12 months or more (52,243) (128,715)
Fair Value, Total 1,126,026 1,306,257
Gross Unrealized Loss , Total (56,956) (141,974)
U.S. government agency securities    
Investment Securities    
Fair Value, Less than 12 months 547,360 494,885
Gross Unrealized Loss , Less than 12 months (2,712) (1,908)
Fair Value, 12 months or more 71,347 714
Gross Unrealized Loss , 12 months or more (807) (9)
Fair Value, Total 618,707 495,599
Gross Unrealized Loss , Total (3,519) (1,917)
Mortgage-backed securities - residential    
Investment Securities    
Fair Value, Less than 12 months 191,440 209,078
Gross Unrealized Loss , Less than 12 months (1,976) (8,956)
Fair Value, 12 months or more 165,468 441,502
Gross Unrealized Loss , 12 months or more (30,387) (108,321)
Fair Value, Total 356,908 650,580
Gross Unrealized Loss , Total (32,363) (117,277)
Mortgage-backed securities - commercial    
Investment Securities    
Fair Value, Less than 12 months 0 2,222
Gross Unrealized Loss , Less than 12 months 0 (19)
Fair Value, 12 months or more 8,795 12,635
Gross Unrealized Loss , 12 months or more (528) (1,089)
Fair Value, Total 8,795 14,857
Gross Unrealized Loss , Total (528) (1,108)
Municipal securities    
Investment Securities    
Fair Value, Less than 12 months 5,050 34,059
Gross Unrealized Loss , Less than 12 months (25) (2,376)
Fair Value, 12 months or more 135,571 110,173
Gross Unrealized Loss , 12 months or more (20,516) (19,285)
Fair Value, Total 140,621 144,232
Gross Unrealized Loss , Total (20,541) (21,661)
Corporate securities    
Investment Securities    
Fair Value, Less than 12 months 0 0
Gross Unrealized Loss , Less than 12 months 0 0
Fair Value, 12 months or more 995 989
Gross Unrealized Loss , 12 months or more (5) (11)
Fair Value, Total 995 989
Gross Unrealized Loss , Total $ (5) $ (11)
v3.25.3
Investment Securities - Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Amortized cost    
Due in one year or less $ 205 $ 849
Due in one to five years 14,433 4,186
Due in five to ten years 346,312 225,954
Due in over ten years 491,251 504,560
Amortized cost, sub-total 852,201 735,549
Amortized cost 1,482,841 1,679,397
Fair Value    
Due in one year or less 203 847
Due in one to five years 14,445 4,600
Due in five to ten years 342,997 222,943
Due in over ten years 471,038 483,762
Fair value, sub-total 828,683 712,152
Total AFS debt securities 1,426,951 1,538,008
Mortgage-backed securities - residential    
Amortized cost    
Mortgage-backed securities 619,439 927,883
Amortized cost 619,439 927,883
Fair Value    
Mortgage-backed securities 587,587 810,999
Total AFS debt securities 587,587 810,999
Mortgage-backed securities - commercial    
Amortized cost    
Mortgage-backed securities 11,201 15,965
Amortized cost 11,201 15,965
Fair Value    
Mortgage-backed securities 10,681 14,857
Total AFS debt securities $ 10,681 $ 14,857
v3.25.3
Investment Securities - Schedule of Sales and Other Dispositions of Available-for-Sale Securities (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]        
Proceeds from sales $ 440 $ 318,194 $ 266,894 $ 526,076
Proceeds from maturities, prepayments and calls 83,204 89,834 217,865 224,070
Gross realized gains 0 0 104 90
Gross realized losses $ 0 $ 40,165 $ 60,637 $ 56,468
v3.25.3
Investment Securities - Schedule of Restricted Equity Securities, At Cost (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Debt and Equity Securities, FV-NI [Line Items]    
Total restricted equity securities, at cost $ 36,231 $ 32,749
FHLB stock    
Debt and Equity Securities, FV-NI [Line Items]    
Total restricted equity securities, at cost 34,813 32,749
First National Banker's Bankshares, Inc. stock    
Debt and Equity Securities, FV-NI [Line Items]    
Total restricted equity securities, at cost 1,168 0
Pacific Coast Banker's Bank stock    
Debt and Equity Securities, FV-NI [Line Items]    
Total restricted equity securities, at cost $ 250 $ 0
v3.25.3
Loans and Allowance for Credit Losses on Loans HFI - Schedule of Loans Outstanding by Class of Financing Receivable (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Jun. 30, 2025
Dec. 31, 2024
Sep. 30, 2024
Jun. 30, 2024
Dec. 31, 2023
Financing Receivable, Past Due [Line Items]            
Gross loans $ 12,297,600   $ 9,602,384      
Less: Allowance for credit losses on loans HFI (184,993) $ (148,948) (151,942) $ (156,260) $ (155,055) $ (150,326)
Net loans held for investment 12,112,607   9,450,442      
Commercial and industrial            
Financing Receivable, Past Due [Line Items]            
Gross loans 2,155,105   1,691,213      
Less: Allowance for credit losses on loans HFI (26,075) (20,271) (16,667) (24,133) (22,530) (19,599)
Construction            
Financing Receivable, Past Due [Line Items]            
Gross loans 1,195,392   1,087,732      
Less: Allowance for credit losses on loans HFI (27,857) (21,848) (31,698) (30,558) (34,170) (35,372)
Residential real estate: | 1-to-4 family mortgage            
Financing Receivable, Past Due [Line Items]            
Gross loans 1,852,626   1,616,754      
Less: Allowance for credit losses on loans HFI (33,059) (30,262) (25,340) (25,979) (25,631) (26,505)
Residential real estate: | Residential line of credit            
Financing Receivable, Past Due [Line Items]            
Gross loans 707,303   602,475      
Less: Allowance for credit losses on loans HFI (10,458) (8,671) (10,952) (10,724) (10,097) (9,468)
Residential real estate: | Multi-family mortgage            
Financing Receivable, Past Due [Line Items]            
Gross loans 736,424   653,769      
Less: Allowance for credit losses on loans HFI (11,815) (10,894) (10,512) (9,644) (8,810) (8,842)
Commercial real estate: | Owner-occupied            
Financing Receivable, Past Due [Line Items]            
Gross loans 2,124,920   1,357,568      
Less: Allowance for credit losses on loans HFI (20,360) (11,939) (11,993) (11,567) (11,312) (10,653)
Commercial real estate: | Non-owner occupied            
Financing Receivable, Past Due [Line Items]            
Gross loans 2,890,233   2,099,129      
Less: Allowance for credit losses on loans HFI (34,073) (26,303) (25,531) (24,641) (24,543) (22,965)
Consumer and other            
Financing Receivable, Past Due [Line Items]            
Gross loans 635,597   493,744      
Less: Allowance for credit losses on loans HFI $ (21,296) $ (18,760) $ (19,249) $ (19,014) $ (17,962) $ (16,922)
v3.25.3
Loans and Allowance for Credit Losses on Loans HFI - Narrative (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jul. 01, 2025
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Financing Receivable, Past Due [Line Items]            
Collateral securing line of credit   $ 2,708,821   $ 2,708,821   $ 2,608,687
Accrued interest receivable on loans   52,549   52,549   40,970
Accrued interest receivable written off as an adjustment to interest income on non-accrual loans   549 $ 128 1,890 $ 536  
Initial allowance on loans purchased with deteriorated credit quality   7,518   7,518    
Southern States Bancshares, Inc.            
Financing Receivable, Past Due [Line Items]            
Increase in allowance for credit losses $ 32,641          
Allowance for credit losses on PCD loans (7,518)          
Initial allowance on loans purchased with deteriorated credit quality $ 25,123          
Consumer and other            
Financing Receivable, Past Due [Line Items]            
Initial allowance on loans purchased with deteriorated credit quality   74   74    
Consumer and other | Term Extension            
Financing Receivable, Past Due [Line Items]            
Loans receivable, defaulted after modification in prior 12 months     $ 32 0 $ 32  
Commercial and Industrial Loan | Federal Reserve Bank            
Financing Receivable, Past Due [Line Items]            
Deposit liabilities, collateral issued, financial instruments   2,777,841   2,777,841   2,561,352
FHLB Cincinnati | Residential Mortgage Loans            
Financing Receivable, Past Due [Line Items]            
Collateral securing line of credit   946,552   946,552   988,177
FHLB Cincinnati | Commercial Loan            
Financing Receivable, Past Due [Line Items]            
Collateral securing line of credit   $ 1,762,269   $ 1,762,269   $ 1,620,510
v3.25.3
Loans and Allowance for Credit Losses on Loans HFI - Schedule of Credit Quality of Loan Portfolio by Year of Origination (Details) - USD ($)
$ in Thousands
 9 Months Ended 12 Months Ended
Sep. 30, 2025
Dec. 31, 2024
Financing Receivable, Allowance for Credit Loss [Line Items]    
Total $ 12,297,600 $ 9,602,384
Commercial and industrial    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 264,598 196,869
2024-2023 292,085 185,277
2023-2022 252,775 156,882
2022-2021 187,366 61,161
2021-2020 59,006 31,679
Prior 223,254 112,452
Revolving Loans Amortized Cost Basis 876,021 946,893
Total 2,155,105 1,691,213
Current and prior-period gross charge-offs, 2025-2024 0 0
Current and prior-period gross charge-offs, -2024-2023 0 116
Current and prior-period gross charge-offs, 2023-2022 54 950
Current and prior-period gross charge-offs, 2022-2021 0 506
Current and prior-period gross charge-offs, 2021-2020 0 1,234
Current and prior-period gross charge-offs, prior 2,413 7
Revolving Loans Amortized Cost Basis 604 8,267
Total 3,071 11,080
Commercial and industrial | Pass    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 262,123 194,185
2024-2023 287,681 182,677
2023-2022 240,254 130,148
2022-2021 144,729 56,460
2021-2020 57,647 29,735
Prior 203,087 104,236
Revolving Loans Amortized Cost Basis 861,567 909,398
Total 2,057,088 1,606,839
Commercial and industrial | Special Mention    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 2,023 2,684
2024-2023 2,205 2,425
2023-2022 5,311 7,609
2022-2021 13,784 277
2021-2020 1,075 285
Prior 15,697 2,015
Revolving Loans Amortized Cost Basis 5,996 24,345
Total 46,091 39,640
Commercial and industrial | Classified    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 452 0
2024-2023 2,199 175
2023-2022 7,210 19,125
2022-2021 28,853 4,424
2021-2020 284 1,659
Prior 4,470 6,201
Revolving Loans Amortized Cost Basis 8,458 13,150
Total 51,926 44,734
Construction    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 251,643 190,214
2024-2023 234,974 116,209
2023-2022 83,886 372,462
2022-2021 296,645 99,904
2021-2020 124,935 35,961
Prior 203,218 54,675
Revolving Loans Amortized Cost Basis 91 218,307
Total 1,195,392 1,087,732
Current and prior-period gross charge-offs, 2025-2024 0 0
Current and prior-period gross charge-offs, -2024-2023 0 0
Current and prior-period gross charge-offs, 2023-2022 0 122
Current and prior-period gross charge-offs, 2022-2021 0 0
Current and prior-period gross charge-offs, 2021-2020 0 0
Current and prior-period gross charge-offs, prior 0 0
Revolving Loans Amortized Cost Basis 399 0
Total 399 122
Construction | Pass    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 251,643 190,058
2024-2023 233,754 116,122
2023-2022 77,666 349,716
2022-2021 260,663 99,225
2021-2020 114,563 27,616
Prior 179,489 54,099
Revolving Loans Amortized Cost Basis 91 199,596
Total 1,117,869 1,036,432
Construction | Special Mention    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 0 156
2024-2023 1,067 87
2023-2022 3,304 15,432
2022-2021 17,698 389
2021-2020 10,129 10
Prior 4,162 576
Revolving Loans Amortized Cost Basis 0 0
Total 36,360 16,650
Construction | Classified    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 0 0
2024-2023 153 0
2023-2022 2,916 7,314
2022-2021 18,284 290
2021-2020 243 8,335
Prior 19,567 0
Revolving Loans Amortized Cost Basis 0 18,711
Total 41,163 34,650
Residential real estate: | Multi-family mortgage    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 36,254 40,076
2024-2023 36,045 3,800
2023-2022 38,514 232,415
2022-2021 246,805 232,995
2021-2020 216,831 51,948
Prior 161,975 70,652
Revolving Loans Amortized Cost Basis 0 21,883
Total 736,424 653,769
Current and prior-period gross charge-offs, 2025-2024 0 0
Current and prior-period gross charge-offs, -2024-2023 0 0
Current and prior-period gross charge-offs, 2023-2022 0 0
Current and prior-period gross charge-offs, 2022-2021 0 0
Current and prior-period gross charge-offs, 2021-2020 0 0
Current and prior-period gross charge-offs, prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Total 0 0
Residential real estate: | Multi-family mortgage | Pass    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 36,254 40,076
2024-2023 36,045 3,800
2023-2022 38,514 232,415
2022-2021 246,213 223,076
2021-2020 208,116 51,948
Prior 161,957 69,652
Revolving Loans Amortized Cost Basis 0 21,883
Total 727,099 642,850
Residential real estate: | Multi-family mortgage | Special Mention    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 0 0
2024-2023 0 0
2023-2022 0 0
2022-2021 0 0
2021-2020 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Total 0 0
Residential real estate: | Multi-family mortgage | Classified    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 0 0
2024-2023 0 0
2023-2022 0 0
2022-2021 592 9,919
2021-2020 8,715 0
Prior 18 1,000
Revolving Loans Amortized Cost Basis 0 0
Total 9,325 10,919
Residential real estate: | 1-to-4 family mortgage    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 271,461 223,547
2024-2023 230,142 166,336
2023-2022 171,725 450,626
2022-2021 438,861 366,545
2021-2020 353,825 133,866
Prior 386,612 275,834
Revolving Loans Amortized Cost Basis 0 0
Total 1,852,626 1,616,754
Current and prior-period gross charge-offs, 2025-2024 0 10
Current and prior-period gross charge-offs, -2024-2023 0 54
Current and prior-period gross charge-offs, 2023-2022 4 150
Current and prior-period gross charge-offs, 2022-2021 0 130
Current and prior-period gross charge-offs, 2021-2020 0 67
Current and prior-period gross charge-offs, prior 754 28
Revolving Loans Amortized Cost Basis 0 0
Total 758 439
Residential real estate: | 1-to-4 family mortgage | Performing    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 271,131 223,520
2024-2023 229,222 165,395
2023-2022 169,347 443,372
2022-2021 430,061 360,188
2021-2020 347,851 129,674
Prior 375,569 266,661
Revolving Loans Amortized Cost Basis 0 0
Total 1,823,181 1,588,810
Residential real estate: | 1-to-4 family mortgage | Nonperforming    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 330 27
2024-2023 920 941
2023-2022 2,378 7,254
2022-2021 8,800 6,357
2021-2020 5,974 4,192
Prior 11,043 9,173
Revolving Loans Amortized Cost Basis 0 0
Total 29,445 27,944
Residential real estate: | Residential line of credit    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 0 0
2024-2023 0 0
2023-2022 0 0
2022-2021 0 0
2021-2020 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 707,303 602,475
Total 707,303 602,475
Current and prior-period gross charge-offs, 2025-2024 0 0
Current and prior-period gross charge-offs, -2024-2023 0 0
Current and prior-period gross charge-offs, 2023-2022 0 0
Current and prior-period gross charge-offs, 2022-2021 0 0
Current and prior-period gross charge-offs, 2021-2020 0 0
Current and prior-period gross charge-offs, prior 0 0
Revolving Loans Amortized Cost Basis 0 73
Total 0 73
Residential real estate: | Residential line of credit | Performing    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 0 0
2024-2023 0 0
2023-2022 0 0
2022-2021 0 0
2021-2020 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 704,961 600,581
Total 704,961 600,581
Residential real estate: | Residential line of credit | Nonperforming    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 0 0
2024-2023 0 0
2023-2022 0 0
2022-2021 0 0
2021-2020 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 2,342 1,894
Total 2,342 1,894
Commercial real estate: | Owner-occupied    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 258,439 185,416
2024-2023 320,834 103,060
2023-2022 221,177 254,743
2022-2021 365,140 218,615
2021-2020 297,349 102,641
Prior 580,948 407,792
Revolving Loans Amortized Cost Basis 81,033 85,301
Total 2,124,920 1,357,568
Current and prior-period gross charge-offs, 2025-2024 0 0
Current and prior-period gross charge-offs, -2024-2023 0 0
Current and prior-period gross charge-offs, 2023-2022 0 0
Current and prior-period gross charge-offs, 2022-2021 0 0
Current and prior-period gross charge-offs, 2021-2020 0 0
Current and prior-period gross charge-offs, prior 17 0
Revolving Loans Amortized Cost Basis 0 0
Total 17 0
Commercial real estate: | Owner-occupied | Pass    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 258,439 185,416
2024-2023 320,426 103,060
2023-2022 216,259 247,049
2022-2021 355,833 215,798
2021-2020 291,000 102,580
Prior 561,544 396,288
Revolving Loans Amortized Cost Basis 80,743 84,226
Total 2,084,244 1,334,417
Commercial real estate: | Owner-occupied | Special Mention    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 0 0
2024-2023 408 0
2023-2022 4,491 1,370
2022-2021 1,369 2,582
2021-2020 6,229 0
Prior 14,691 6,133
Revolving Loans Amortized Cost Basis 290 0
Total 27,478 10,085
Commercial real estate: | Owner-occupied | Classified    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 0 0
2024-2023 0 0
2023-2022 427 6,324
2022-2021 7,938 235
2021-2020 120 61
Prior 4,713 5,371
Revolving Loans Amortized Cost Basis 0 1,075
Total 13,198 13,066
Commercial real estate: | Non-owner occupied    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 194,723 198,591
2024-2023 238,750 40,863
2023-2022 132,282 526,417
2022-2021 687,049 447,261
2021-2020 545,671 111,943
Prior 861,530 715,799
Revolving Loans Amortized Cost Basis 230,228 58,255
Total 2,890,233 2,099,129
Current and prior-period gross charge-offs, 2025-2024 0 0
Current and prior-period gross charge-offs, -2024-2023 0 0
Current and prior-period gross charge-offs, 2023-2022 0 0
Current and prior-period gross charge-offs, 2022-2021 0 0
Current and prior-period gross charge-offs, 2021-2020 0 0
Current and prior-period gross charge-offs, prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Total 0 0
Commercial real estate: | Non-owner occupied | Pass    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 194,723 198,591
2024-2023 238,750 36,027
2023-2022 126,491 526,417
2022-2021 678,639 445,598
2021-2020 536,518 111,943
Prior 846,729 689,158
Revolving Loans Amortized Cost Basis 230,228 58,255
Total 2,852,078 2,065,989
Commercial real estate: | Non-owner occupied | Special Mention    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 0 0
2024-2023 0 4,836
2023-2022 4,783 0
2022-2021 8,410 1,527
2021-2020 4,559 0
Prior 10,054 19,311
Revolving Loans Amortized Cost Basis 0 0
Total 27,806 25,674
Commercial real estate: | Non-owner occupied | Classified    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 0 0
2024-2023 0 0
2023-2022 1,008 0
2022-2021 0 136
2021-2020 4,594 0
Prior 4,747 7,330
Revolving Loans Amortized Cost Basis 0 0
Total 10,349 7,466
Total commercial loan types    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 1,005,657 811,166
2024-2023 1,122,688 449,209
2023-2022 728,634 1,542,919
2022-2021 1,783,005 1,059,936
2021-2020 1,243,792 334,172
Prior 2,030,925 1,361,370
Revolving Loans Amortized Cost Basis 1,187,373 1,330,639
Total 9,102,074 6,889,411
Current and prior-period gross charge-offs, 2025-2024 0 0
Current and prior-period gross charge-offs, -2024-2023 0 116
Current and prior-period gross charge-offs, 2023-2022 54 1,072
Current and prior-period gross charge-offs, 2022-2021 0 506
Current and prior-period gross charge-offs, 2021-2020 0 1,234
Current and prior-period gross charge-offs, prior 2,430 7
Revolving Loans Amortized Cost Basis 1,003 8,267
Total 3,487 11,202
Total commercial loan types | Pass    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 1,003,182 808,326
2024-2023 1,116,656 441,686
2023-2022 699,184 1,485,745
2022-2021 1,686,077 1,040,157
2021-2020 1,207,844 323,822
Prior 1,952,806 1,313,433
Revolving Loans Amortized Cost Basis 1,172,629 1,273,358
Total 8,838,378 6,686,527
Total commercial loan types | Special Mention    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 2,023 2,840
2024-2023 3,680 7,348
2023-2022 17,889 24,411
2022-2021 41,261 4,775
2021-2020 21,992 295
Prior 44,604 28,035
Revolving Loans Amortized Cost Basis 6,286 24,345
Total 137,735 92,049
Total commercial loan types | Classified    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 452 0
2024-2023 2,352 175
2023-2022 11,561 32,763
2022-2021 55,667 15,004
2021-2020 13,956 10,055
Prior 33,515 19,902
Revolving Loans Amortized Cost Basis 8,458 32,936
Total 125,961 110,835
Consumer and other    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 134,528 140,984
2024-2023 163,351 95,566
2023-2022 88,874 77,972
2022-2021 73,862 38,646
2021-2020 34,359 31,935
Prior 140,268 107,988
Revolving Loans Amortized Cost Basis 355 653
Total 635,597 493,744
Current and prior-period gross charge-offs, 2025-2024 1,434 1,593
Current and prior-period gross charge-offs, -2024-2023 118 511
Current and prior-period gross charge-offs, 2023-2022 76 302
Current and prior-period gross charge-offs, 2022-2021 104 278
Current and prior-period gross charge-offs, 2021-2020 86 69
Current and prior-period gross charge-offs, prior 989 298
Revolving Loans Amortized Cost Basis 4 0
Total 2,811 3,051
Consumer and other | Performing    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 134,005 139,684
2024-2023 159,677 93,817
2023-2022 85,141 76,286
2022-2021 72,047 35,507
2021-2020 31,276 29,387
Prior 133,392 102,233
Revolving Loans Amortized Cost Basis 355 652
Total 615,893 477,566
Consumer and other | Nonperforming    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 523 1,300
2024-2023 3,674 1,749
2023-2022 3,733 1,686
2022-2021 1,815 3,139
2021-2020 3,083 2,548
Prior 6,876 5,755
Revolving Loans Amortized Cost Basis 0 1
Total 19,704 16,178
Total consumer type loans    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 405,989 364,531
2024-2023 393,493 261,902
2023-2022 260,599 528,598
2022-2021 512,723 405,191
2021-2020 388,184 165,801
Prior 526,880 383,822
Revolving Loans Amortized Cost Basis 707,658 603,128
Total 3,195,526 2,712,973
Current and prior-period gross charge-offs, 2025-2024 1,434 1,603
Current and prior-period gross charge-offs, -2024-2023 118 565
Current and prior-period gross charge-offs, 2023-2022 80 452
Current and prior-period gross charge-offs, 2022-2021 104 408
Current and prior-period gross charge-offs, 2021-2020 86 136
Current and prior-period gross charge-offs, prior 1,743 326
Revolving Loans Amortized Cost Basis 4 73
Total 3,569 3,563
Total consumer type loans | Performing    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 405,136 363,204
2024-2023 388,899 259,212
2023-2022 254,488 519,658
2022-2021 502,108 395,695
2021-2020 379,127 159,061
Prior 508,961 368,894
Revolving Loans Amortized Cost Basis 705,316 601,233
Total 3,144,035 2,666,957
Total consumer type loans | Nonperforming    
Financing Receivable, Allowance for Credit Loss [Line Items]    
2025-2024 853 1,327
2024-2023 4,594 2,690
2023-2022 6,111 8,940
2022-2021 10,615 9,496
2021-2020 9,057 6,740
Prior 17,919 14,928
Revolving Loans Amortized Cost Basis 2,342 1,895
Total $ 51,491 $ 46,016
v3.25.3
Loans and Allowance for Credit Losses on Loans HFI - Schedule of Analysis of Aging by Class of Financing Receivable (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Financing Receivable, Past Due [Line Items]    
Total $ 12,297,600 $ 9,602,384
90 days or  more and accruing interest 26,311 24,347
Nonaccrual loans 89,448 59,358
30-89 days past due and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 54,629 47,855
Loans current on payments and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 12,127,212 9,470,824
Commercial and industrial    
Financing Receivable, Past Due [Line Items]    
Total 2,155,105 1,691,213
90 days or  more and accruing interest 20 730
Nonaccrual loans 6,906 9,661
Commercial and industrial | 30-89 days past due and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 975 1,204
Commercial and industrial | Loans current on payments and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 2,147,204 1,679,618
Construction    
Financing Receivable, Past Due [Line Items]    
Total 1,195,392 1,087,732
90 days or  more and accruing interest 415 538
Nonaccrual loans 30,953 10,915
Construction | 30-89 days past due and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 5,132 3,288
Construction | Loans current on payments and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 1,158,892 1,072,991
Residential real estate: | 1-to-4 family mortgage    
Financing Receivable, Past Due [Line Items]    
Total 1,852,626 1,616,754
90 days or  more and accruing interest 18,159 15,319
Nonaccrual loans 11,286 12,625
Residential real estate: | 1-to-4 family mortgage | 30-89 days past due and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 24,132 24,376
Residential real estate: | 1-to-4 family mortgage | Loans current on payments and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 1,799,049 1,564,434
Residential real estate: | Residential line of credit    
Financing Receivable, Past Due [Line Items]    
Total 707,303 602,475
90 days or  more and accruing interest 496 357
Nonaccrual loans 1,846 1,537
Residential real estate: | Residential line of credit | 30-89 days past due and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 1,930 2,302
Residential real estate: | Residential line of credit | Loans current on payments and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 703,031 598,279
Residential real estate: | Multi-family mortgage    
Financing Receivable, Past Due [Line Items]    
Total 736,424 653,769
90 days or  more and accruing interest 0 0
Nonaccrual loans 9,325 21
Residential real estate: | Multi-family mortgage | 30-89 days past due and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 0 979
Residential real estate: | Multi-family mortgage | Loans current on payments and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 727,099 652,769
Commercial real estate: | Owner-occupied    
Financing Receivable, Past Due [Line Items]    
Total 2,124,920 1,357,568
90 days or  more and accruing interest 361 94
Nonaccrual loans 10,639 9,551
Commercial real estate: | Owner-occupied | 30-89 days past due and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 1,875 1,996
Commercial real estate: | Owner-occupied | Loans current on payments and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 2,112,045 1,345,927
Commercial real estate: | Non-owner occupied    
Financing Receivable, Past Due [Line Items]    
Total 2,890,233 2,099,129
90 days or  more and accruing interest 0 3,512
Nonaccrual loans 5,649 2,667
Commercial real estate: | Non-owner occupied | 30-89 days past due and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 3,676 0
Commercial real estate: | Non-owner occupied | Loans current on payments and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 2,880,908 2,092,950
Consumer and other    
Financing Receivable, Past Due [Line Items]    
Total 635,597 493,744
90 days or  more and accruing interest 6,860 3,797
Nonaccrual loans 12,844 12,381
Consumer and other | 30-89 days past due and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total 16,909 13,710
Consumer and other | Loans current on payments and accruing interest    
Financing Receivable, Past Due [Line Items]    
Total $ 598,984 $ 463,856
v3.25.3
Loans and Allowance for Credit Losses on Loans HFI - Schedule of Amortized Cost, Related Allowance and Interest Income of Non-accrual Loans (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Financing Receivable, Past Due [Line Items]          
Nonaccrual with no related allowance $ 35,888   $ 35,888   $ 17,296
Nonaccrual with related allowance 53,560   53,560   42,062
Year to date Interest Income 837 $ 361 1,751 $ 1,357  
Commercial and industrial          
Financing Receivable, Past Due [Line Items]          
Nonaccrual with no related allowance 1,173   1,173   5,294
Nonaccrual with related allowance 5,733   5,733   4,367
Year to date Interest Income 179 46 209 615  
Construction          
Financing Receivable, Past Due [Line Items]          
Nonaccrual with no related allowance 13,449   13,449   1,653
Nonaccrual with related allowance 17,504   17,504   9,262
Year to date Interest Income 365 308 867 448  
Residential real estate: | 1-to-4 family mortgage          
Financing Receivable, Past Due [Line Items]          
Nonaccrual with no related allowance 0   0   1,562
Nonaccrual with related allowance 11,286   11,286   11,063
Year to date Interest Income 70 6 76 40  
Residential real estate: | Residential line of credit          
Financing Receivable, Past Due [Line Items]          
Nonaccrual with no related allowance 0   0   148
Nonaccrual with related allowance 1,846   1,846   1,389
Year to date Interest Income 65 1 96 40  
Residential real estate: | Multi-family mortgage          
Financing Receivable, Past Due [Line Items]          
Nonaccrual with no related allowance 8,715   8,715   0
Nonaccrual with related allowance 610   610   21
Year to date Interest Income 5 0 171 1  
Commercial real estate: | Owner-occupied          
Financing Receivable, Past Due [Line Items]          
Nonaccrual with no related allowance 7,137   7,137   6,415
Nonaccrual with related allowance 3,502   3,502   3,136
Year to date Interest Income 0 0 8 124  
Commercial real estate: | Non-owner occupied          
Financing Receivable, Past Due [Line Items]          
Nonaccrual with no related allowance 5,414   5,414   2,224
Nonaccrual with related allowance 235   235   443
Year to date Interest Income 8 0 120 89  
Consumer and other          
Financing Receivable, Past Due [Line Items]          
Nonaccrual with no related allowance 0   0   0
Nonaccrual with related allowance 12,844   12,844   $ 12,381
Year to date Interest Income $ 145 $ 0 $ 204 $ 0  
v3.25.3
Loans and Allowance for Credit Losses on Loans HFI - Schedule of Amortized Cost of FDM Loans (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total $ 5,631 $ 8,751 $ 12,119 $ 23,081
% of total class of financing receivables 0.00% 0.10% 0.10% 0.20%
Term Extension        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total $ 1,037 $ 0 $ 2,183 $ 38
Payment deferral        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total 4,594 0 6,426 0
Interest Rate Reduction        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total 0 0 142 0
Combination        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total 0 8,751 3,368 23,043
Commercial and industrial        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total $ 6 $ 7,038 $ 152 $ 7,038
% of total class of financing receivables 0.00% 0.40% 0.00% 0.40%
Commercial and industrial | Term Extension        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total $ 6 $ 0 $ 152 $ 0
Commercial and industrial | Payment deferral        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total 0 0 0 0
Commercial and industrial | Interest Rate Reduction        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total 0 0 0 0
Commercial and industrial | Combination        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total 0 7,038 0 7,038
Construction        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total $ 787 $ 1,713 $ 4,773 $ 15,908
% of total class of financing receivables 0.10% 0.20% 0.40% 1.50%
Construction | Term Extension        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total $ 787 $ 0 $ 1,326 $ 0
Construction | Payment deferral        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total 0 0 0 0
Construction | Interest Rate Reduction        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total 0 0 142 0
Construction | Combination        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total 0 $ 1,713 3,305 15,908
Residential real estate: | 1-to-4 family mortgage        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total     $ 2,293  
% of total class of financing receivables     0.10%  
Residential real estate: | 1-to-4 family mortgage | Term Extension        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total     $ 461  
Residential real estate: | 1-to-4 family mortgage | Payment deferral        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total     1,832  
Residential real estate: | 1-to-4 family mortgage | Interest Rate Reduction        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total     0  
Residential real estate: | 1-to-4 family mortgage | Combination        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total     0  
Commercial real estate: | Owner-occupied        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total $ 244   $ 244  
% of total class of financing receivables 0.00%   0.00%  
Commercial real estate: | Owner-occupied | Term Extension        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total $ 244   $ 244  
Commercial real estate: | Owner-occupied | Payment deferral        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total 0   0  
Commercial real estate: | Owner-occupied | Interest Rate Reduction        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total 0   0  
Commercial real estate: | Owner-occupied | Combination        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total 0   0  
Commercial real estate: | Non-owner occupied        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total $ 4,594   $ 4,594  
% of total class of financing receivables 0.20%   0.20%  
Commercial real estate: | Non-owner occupied | Term Extension        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total $ 0   $ 0  
Commercial real estate: | Non-owner occupied | Payment deferral        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total 4,594   4,594  
Commercial real estate: | Non-owner occupied | Interest Rate Reduction        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total 0   0  
Commercial real estate: | Non-owner occupied | Combination        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total $ 0   0  
Consumer and other        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total     $ 63 $ 135
% of total class of financing receivables     0.00% 0.00%
Consumer and other | Term Extension        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total     $ 0 $ 38
Consumer and other | Payment deferral        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total     0 0
Consumer and other | Interest Rate Reduction        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total     0 0
Consumer and other | Combination        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Total     $ 63 $ 97
v3.25.3
Loans and Allowance for Credit Losses on Loans HFI - Schedule of Financial Effects of Loan Modifications (Details)
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Commercial and industrial        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average interest rate reduction   0.00% 0.00% 0.00%
Commercial and industrial | Weighted average term extension (in months)        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average of loans (in months) 13 months 12 months 35 months 12 months
Commercial and industrial | Weighted average payment deferral (in months)        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average of loans (in months) 0 months 12 months 0 months 12 months
Weighted average interest rate reduction 0.00%      
Construction        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average interest rate reduction   0.10% 2.50% 0.10%
Construction | Weighted average term extension (in months)        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average of loans (in months) 2 months 360 months 4 months 44 months
Construction | Weighted average payment deferral (in months)        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average of loans (in months) 0 months 5 months 4 months 3 months
Weighted average interest rate reduction 0.00%      
Residential real estate: | 1-to-4 family mortgage        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average interest rate reduction     0.00%  
Residential real estate: | Weighted average term extension (in months) | 1-to-4 family mortgage        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average of loans (in months)     300 months  
Residential real estate: | Weighted average payment deferral (in months) | 1-to-4 family mortgage        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average of loans (in months)     4 months  
Commercial real estate: | Owner-occupied        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average interest rate reduction     0.00%  
Commercial real estate: | Non-owner occupied        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average interest rate reduction     0.00%  
Commercial real estate: | Weighted average term extension (in months) | Owner-occupied        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average of loans (in months) 3 months   3 months  
Commercial real estate: | Weighted average term extension (in months) | Non-owner occupied        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average of loans (in months) 0 months   0 months  
Commercial real estate: | Weighted average payment deferral (in months) | Owner-occupied        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average of loans (in months) 0 months   0 months  
Weighted average interest rate reduction 0.00%      
Commercial real estate: | Weighted average payment deferral (in months) | Non-owner occupied        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average of loans (in months) 7 months   7 months  
Weighted average interest rate reduction 0.00%      
Consumer and other        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average interest rate reduction     2.00% 1.49%
Consumer and other | Weighted average term extension (in months)        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average of loans (in months)     13 months 25 months
Consumer and other | Weighted average payment deferral (in months)        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Weighted average of loans (in months)     0 months 0 months
v3.25.3
Loans and Allowance for Credit Losses on Loans HFI - Schedule of Loans Defaulted, Previously Modified In Prior 12 Months (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Term Extension | Construction        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Loans receivable, defaulted after modification in prior 12 months     $ 0  
Term Extension | Consumer and other        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Loans receivable, defaulted after modification in prior 12 months   $ 32 0 $ 32
Payment deferral | Construction        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Loans receivable, defaulted after modification in prior 12 months     0  
Payment deferral | Consumer and other        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Loans receivable, defaulted after modification in prior 12 months     0  
Interest Rate Reduction | Construction        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Loans receivable, defaulted after modification in prior 12 months     142  
Interest Rate Reduction | Consumer and other        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Loans receivable, defaulted after modification in prior 12 months     0  
Combination | Construction        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Loans receivable, defaulted after modification in prior 12 months     0  
Combination | Consumer and other        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Loans receivable, defaulted after modification in prior 12 months     63  
1-to-4 family mortgage | Term Extension | Residential real estate:        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Loans receivable, defaulted after modification in prior 12 months $ 0   461  
1-to-4 family mortgage | Payment deferral | Residential real estate:        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Loans receivable, defaulted after modification in prior 12 months 0   0  
1-to-4 family mortgage | Interest Rate Reduction | Residential real estate:        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Loans receivable, defaulted after modification in prior 12 months 0   0  
1-to-4 family mortgage | Combination | Residential real estate:        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Loans receivable, defaulted after modification in prior 12 months $ 313   $ 313  
v3.25.3
Loans and Allowance for Credit Losses on Loans HFI - Schedule of Payment Status Recorded Investment (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Sep. 30, 2024
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified $ 12,824 $ 23,104
Nonaccrual loans 6,044 8,773
30-89 days past due and accruing interest    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 313 32
90 days or  more and accruing interest    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 63 0
Loans current on payments and accruing interest    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 6,404 14,299
Commercial and industrial    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 152 7,038
Nonaccrual loans 0 7,038
Commercial and industrial | 30-89 days past due and accruing interest    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 0 0
Commercial and industrial | 90 days or  more and accruing interest    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 0 0
Commercial and industrial | Loans current on payments and accruing interest    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 152 0
Construction    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 4,773 15,908
Nonaccrual loans 3,305 1,713
Construction | 30-89 days past due and accruing interest    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 0 0
Construction | 90 days or  more and accruing interest    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 0 0
Construction | Loans current on payments and accruing interest    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 1,468 14,195
Residential real estate: | 1-to-4 family mortgage    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 2,970 22
Nonaccrual loans 1,464 22
Residential real estate: | Residential line of credit    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 29  
Nonaccrual loans 0  
Residential real estate: | 30-89 days past due and accruing interest | 1-to-4 family mortgage    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 313 0
Residential real estate: | 30-89 days past due and accruing interest | Residential line of credit    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 0  
Residential real estate: | 90 days or  more and accruing interest | 1-to-4 family mortgage    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 0 0
Residential real estate: | 90 days or  more and accruing interest | Residential line of credit    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 0  
Residential real estate: | Loans current on payments and accruing interest | 1-to-4 family mortgage    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 1,193 0
Residential real estate: | Loans current on payments and accruing interest | Residential line of credit    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 29  
Commercial real estate: | Owner-occupied    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 244  
Nonaccrual loans 244  
Commercial real estate: | Non-owner occupied    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 4,593  
Nonaccrual loans 1,031  
Commercial real estate: | 30-89 days past due and accruing interest | Owner-occupied    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 0  
Commercial real estate: | 30-89 days past due and accruing interest | Non-owner occupied    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 0  
Commercial real estate: | 90 days or  more and accruing interest | Owner-occupied    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 0  
Commercial real estate: | 90 days or  more and accruing interest | Non-owner occupied    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 0  
Commercial real estate: | Loans current on payments and accruing interest | Owner-occupied    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 0  
Commercial real estate: | Loans current on payments and accruing interest | Non-owner occupied    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 3,562  
Consumer and other    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 63 136
Nonaccrual loans 0 0
Consumer and other | 30-89 days past due and accruing interest    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 0 32
Consumer and other | 90 days or  more and accruing interest    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified 63 0
Consumer and other | Loans current on payments and accruing interest    
Financing Receivable, Past Due [Line Items]    
Loans held for investment, modified $ 0 $ 104
v3.25.3
Loans and Allowance for Credit Losses on Loans HFI - Schedule of Collateral-Dependent Loans (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Jun. 30, 2025
Dec. 31, 2024
Sep. 30, 2024
Jun. 30, 2024
Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral $ 184,993 $ 148,948 $ 151,942 $ 156,260 $ 155,055 $ 150,326
Commercial and industrial            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 26,075 20,271 16,667 24,133 22,530 19,599
Construction            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 27,857 21,848 31,698 30,558 34,170 35,372
Residential real estate: | 1-to-4 family mortgage            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 33,059 30,262 25,340 25,979 25,631 26,505
Residential real estate: | Residential line of credit            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 10,458 8,671 10,952 10,724 10,097 9,468
Residential real estate: | Multi-family mortgage            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 11,815 10,894 10,512 9,644 8,810 8,842
Commercial real estate: | Owner-occupied            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 20,360 11,939 11,993 11,567 11,312 10,653
Commercial real estate: | Non-owner occupied            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 34,073 $ 26,303 25,531 $ 24,641 $ 24,543 $ 22,965
Real Estate            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 61,088   40,843      
Real Estate | Commercial and industrial            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 1,303   0      
Real Estate | Construction            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 30,001   22,047      
Real Estate | Residential real estate: | 1-to-4 family mortgage            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 3,925   1,843      
Real Estate | Residential real estate: | Residential line of credit            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral     148      
Real Estate | Residential real estate: | Multi-family mortgage            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 8,715   9,919      
Real Estate | Commercial real estate: | Owner-occupied            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 1,096   0      
Real Estate | Commercial real estate: | Non-owner occupied            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 16,048   6,886      
Land            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 7,694   8,068      
Land | Commercial and industrial            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 0   0      
Land | Construction            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 1,653   1,653      
Land | Residential real estate: | 1-to-4 family mortgage            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 0   0      
Land | Residential real estate: | Residential line of credit            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral     0      
Land | Residential real estate: | Multi-family mortgage            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 0   0      
Land | Commercial real estate: | Owner-occupied            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 6,041   6,415      
Land | Commercial real estate: | Non-owner occupied            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 0   0      
Business Assets            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 25,294   8,492      
Business Assets | Commercial and industrial            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 23,630   8,492      
Business Assets | Construction            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 0   0      
Business Assets | Residential real estate: | 1-to-4 family mortgage            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 0   0      
Business Assets | Residential real estate: | Residential line of credit            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral     0      
Business Assets | Residential real estate: | Multi-family mortgage            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 0   0      
Business Assets | Commercial real estate: | Owner-occupied            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 1,664   0      
Business Assets | Commercial real estate: | Non-owner occupied            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 0   0      
Total            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 94,076   57,403      
Total | Commercial and industrial            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 24,933   8,492      
Total | Construction            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 31,654   23,700      
Total | Residential real estate: | 1-to-4 family mortgage            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 3,925   1,843      
Total | Residential real estate: | Residential line of credit            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral     148      
Total | Residential real estate: | Multi-family mortgage            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 8,715   9,919      
Total | Commercial real estate: | Owner-occupied            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral 8,801   6,415      
Total | Commercial real estate: | Non-owner occupied            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Type of Collateral $ 16,048   $ 6,886      
v3.25.3
Loans and Allowance for Credit Losses on Loans HFI - Schedule of Changes in Allowance for Credit Losses on Loans HFI by Class of Financing Receivable (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period $ 148,948 $ 155,055 $ 151,942 $ 150,326
Initial allowance on loans purchased with deteriorated credit quality 7,518   7,518  
Loans charged off (1,709) (915) (7,056) (2,755)
Recoveries of loans previously charged-off 279 264 1,828 1,041
Provision for credit losses on loans HFI 29,957   37,609  
Provision for (reversal of) credit losses on loans HFI 29,957 1,856 30,761 7,648
Balance at end of period 184,993 156,260 184,993 156,260
Impact of change in accounting estimate for current expected credit losses        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period     (6,848)  
Commercial and industrial        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period 20,271 22,530 16,667 19,599
Initial allowance on loans purchased with deteriorated credit quality 1,959   1,959  
Loans charged off (100) (90) (3,071) (159)
Recoveries of loans previously charged-off 12 23 227 57
Provision for credit losses on loans HFI 3,933   6,789  
Provision for (reversal of) credit losses on loans HFI   1,670   4,636
Balance at end of period 26,075 24,133 26,075 24,133
Commercial and industrial | Impact of change in accounting estimate for current expected credit losses        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period     3,504  
Construction        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period 21,848 34,170 31,698 35,372
Initial allowance on loans purchased with deteriorated credit quality 298   298  
Loans charged off (399) 0 (399) (92)
Recoveries of loans previously charged-off 0 0 0 0
Provision for credit losses on loans HFI 6,110   965  
Provision for (reversal of) credit losses on loans HFI   (3,612)   (4,722)
Balance at end of period 27,857 30,558 27,857 30,558
Construction | Impact of change in accounting estimate for current expected credit losses        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period     (4,705)  
Residential real estate: | 1-to-4 family mortgage        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period 30,262 25,631 25,340 26,505
Initial allowance on loans purchased with deteriorated credit quality 64   64  
Loans charged off (322) (2) (758) (295)
Recoveries of loans previously charged-off 6 9 26 75
Provision for credit losses on loans HFI 3,049   5,670  
Provision for (reversal of) credit losses on loans HFI   341   (306)
Balance at end of period 33,059 25,979 33,059 25,979
Residential real estate: | 1-to-4 family mortgage | Impact of change in accounting estimate for current expected credit losses        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period     2,717  
Residential real estate: | Residential line of credit        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period 8,671 10,097 10,952 9,468
Initial allowance on loans purchased with deteriorated credit quality 31   31  
Loans charged off 0 (53) 0 (73)
Recoveries of loans previously charged-off 11 18 12 18
Provision for credit losses on loans HFI 1,745   2,891  
Provision for (reversal of) credit losses on loans HFI   662   1,311
Balance at end of period 10,458 10,724 10,458 10,724
Residential real estate: | Residential line of credit | Impact of change in accounting estimate for current expected credit losses        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period     (3,428)  
Residential real estate: | Multi-family mortgage        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period 10,894 8,810 10,512 8,842
Initial allowance on loans purchased with deteriorated credit quality 159   159  
Loans charged off 0 0 0 0
Recoveries of loans previously charged-off 0 0 0 0
Provision for credit losses on loans HFI 762   886  
Provision for (reversal of) credit losses on loans HFI   834   802
Balance at end of period 11,815 9,644 11,815 9,644
Residential real estate: | Multi-family mortgage | Impact of change in accounting estimate for current expected credit losses        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period     258  
Commercial real estate: | Commercial real estate owner occupied        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period 11,939 11,312 11,993 10,653
Initial allowance on loans purchased with deteriorated credit quality 1,515   1,515  
Loans charged off 0 0 (17) 0
Recoveries of loans previously charged-off 4 12 34 240
Provision for credit losses on loans HFI 6,902   7,909  
Provision for (reversal of) credit losses on loans HFI   243   674
Balance at end of period 20,360 11,567 20,360 11,567
Commercial real estate: | Commercial real estate owner occupied | Impact of change in accounting estimate for current expected credit losses        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period     (1,074)  
Commercial real estate: | Commercial real estate non-owner occupied        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period 26,303 24,543 25,531 22,965
Initial allowance on loans purchased with deteriorated credit quality 3,418   3,418  
Loans charged off 0 0 0 0
Recoveries of loans previously charged-off 0 0 529 0
Provision for credit losses on loans HFI 4,352   6,342  
Provision for (reversal of) credit losses on loans HFI   98   1,676
Balance at end of period 34,073 24,641 34,073 24,641
Commercial real estate: | Commercial real estate non-owner occupied | Impact of change in accounting estimate for current expected credit losses        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period     (1,747)  
Consumer and other        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period 18,760 17,962 19,249 16,922
Initial allowance on loans purchased with deteriorated credit quality 74   74  
Loans charged off (888) (770) (2,811) (2,136)
Recoveries of loans previously charged-off 246 202 1,000 651
Provision for credit losses on loans HFI 3,104   6,157  
Provision for (reversal of) credit losses on loans HFI   1,620   3,577
Balance at end of period $ 21,296 $ 19,014 21,296 $ 19,014
Consumer and other | Impact of change in accounting estimate for current expected credit losses        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at beginning of period     $ (2,373)  
v3.25.3
Other Real Estate Owned - Schedule of Other Real Estate Owned (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Other Real Estate [Roll Forward]        
Balance at beginning of period $ 2,998 $ 4,173 $ 4,409 $ 3,192
Transfers from loans 1,975 0 5,272 2,400
Acquired through merger or acquisition 120 0 120 0
Proceeds from sale of other real estate owned (659) (412) (5,071) (1,846)
Gain (loss) on sale of other real estate owned 32 18 (225) 33
Write-downs and partial liquidations 0 0 (39) 0
Balance at end of period $ 4,466 $ 3,779 $ 4,466 $ 3,779
v3.25.3
Other Real Estate Owned - Narrative (Details) - Residential Real Estate Properties - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Real Estate Properties [Line Items]    
Foreclosed residential real estate properties $ 1,877 $ 2,880
Total foreclosure proceedings in process $ 7,568 $ 7,652
v3.25.3
Goodwill and Intangible Assets - Schedule of Goodwill (Details)
$ in Thousands
 9 Months Ended
Sep. 30, 2025
USD ($)
Goodwill  
Beginning balance $ 242,561
Addition from merger with Southern States (See Note 2) 107,792
Ending balance $ 350,353
v3.25.3
Goodwill and Intangible Assets - Narrative (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Jul. 01, 2025
Finite-Lived Intangible Assets [Line Items]          
Goodwill impairment     $ 0    
Amortization of core deposit and other intangibles $ 2,079,000 $ 719,000 $ 3,366,000 $ 2,260,000  
Southern States Bancshares, Inc.          
Finite-Lived Intangible Assets [Line Items]          
Core deposit intangible         $ 30,820,000
v3.25.3
Goodwill and Intangible Assets - Schedule of Core Deposit and Other Intangibles (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Finite-Lived Intangible Assets [Line Items]    
Gross Carrying Amount $ 92,255 $ 61,435
Accumulated Amortization (59,039) (55,673)
Net Carrying Amount 33,216 5,762
Core deposit intangible    
Finite-Lived Intangible Assets [Line Items]    
Gross Carrying Amount 90,655 59,835
Accumulated Amortization (57,732) (54,486)
Net Carrying Amount 32,923 5,349
Customer base trust intangible    
Finite-Lived Intangible Assets [Line Items]    
Gross Carrying Amount 1,600 1,600
Accumulated Amortization (1,307) (1,187)
Net Carrying Amount $ 293 $ 413
v3.25.3
Goodwill and Intangible Assets - Schedule of Aggregate Future Amortization Expense (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]    
Remaining 2025 $ 1,934  
2026 7,089  
2027 5,996  
2028 4,877  
2029 3,904  
2030 3,112  
Thereafter 6,304  
Net Carrying Amount $ 33,216 $ 5,762
v3.25.3
Leases - Narrative (Details)
 9 Months Ended
Sep. 30, 2025
lease
Lessee, Lease, Description [Line Items]  
Lessee, number of operating leases 50
Lessee, number of finance leases 1
Minimum  
Lessee, Lease, Description [Line Items]  
Lessee, operating and finance lease, renewal term 20 years
v3.25.3
Leases - Schedule of Information Related to Company's Leases (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Leases [Abstract]    
Operating leases $ 51,035 $ 47,963
Finance leases $ 1,063 $ 1,145
Right-of-use asset - finance [Extensible Enumeration] Property, Plant, and Equipment and Finance Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization Property, Plant, and Equipment and Finance Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization
Total right-of-use assets $ 52,098 $ 49,108
Operating leases 62,664 60,024
Finance leases $ 1,154 $ 1,229
Lease liabilities - finance [Extensible Enumeration] Borrowings Borrowings
Total lease liabilities $ 63,818 $ 61,253
Weighted average remaining lease term (in years) - operating 11 years 11 years
Weighted average remaining lease term (in years) - finance 9 years 7 months 6 days 10 years 4 months 24 days
Weighted average discount rate - operating 3.68% 3.47%
Weighted average discount rate - finance 1.76% 1.76%
v3.25.3
Leases - Schedule of Lease Expense (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Leases [Abstract]        
Amortization of right-of-use asset $ 2,023 $ 1,362 $ 5,846 $ 5,048
Short-term lease cost 70 96 229 282
Variable lease cost 333 321 1,302 1,024
Loss on lease terminations 265 0 265 0
Interest on lease liabilities 6 6 16 17
Amortization of right-of-use asset 28 28 83 83
Sublease income (214) (96) (634) (407)
Total lease cost $ 2,511 $ 1,717 $ 7,107 $ 6,047
v3.25.3
Leases - Schedule of Maturity Analysis of Operating and Finance Lease Liabilities (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Operating Leases    
September 30, 2026 $ 2,317  
September 30, 2027 9,127  
September 30, 2028 8,658  
September 30, 2029 7,744  
September 30, 2030 6,718  
Thereafter 42,864  
Total undiscounted future minimum lease payments 77,428  
Less: imputed interest (14,764)  
Lease liabilities 62,664 $ 60,024
Finance Lease    
September 30, 2026 31  
September 30, 2027 123  
September 30, 2028 125  
September 30, 2029 127  
September 30, 2030 129  
Thereafter 721  
Total undiscounted future minimum lease payments 1,256  
Less: imputed interest (102)  
Lease liabilities $ 1,154 $ 1,229
v3.25.3
Mortgage Servicing Rights - Schedule of Changes in Mortgage Servicing Rights (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Servicing Asset at Fair Value, Amount [Roll Forward]        
Carrying value at beginning of period $ 153,464 $ 164,505 $ 162,038 $ 164,249
Capitalization 849 1,418 2,498 4,067
Change in fair value:        
Due to payoffs/(paydowns) (3,438) (3,518) (9,703) (10,067)
Due to change in valuation inputs or assumptions (1,035) (5,308) (4,993) (1,152)
Carrying value at end of period $ 149,840 $ 157,097 $ 149,840 $ 157,097
v3.25.3
Mortgage Servicing Rights - Schedule of Servicing Income and Expense Included in Mortgage Banking Income (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Transfers and Servicing of Financial Assets [Abstract]        
Servicing income $ 6,836 $ 7,244 $ 20,849 $ 21,907
Contractually Specified Servicing Fee Income, Statement of Income or Comprehensive Income [Extensible Enumeration] Mortgage banking income, investment services and trust income, service charges on deposit accounts, ATM and interchange fees, Other expense Mortgage banking income, investment services and trust income, service charges on deposit accounts, ATM and interchange fees, Other expense Mortgage banking income, investment services and trust income, service charges on deposit accounts, ATM and interchange fees, Other expense Mortgage banking income, investment services and trust income, service charges on deposit accounts, ATM and interchange fees, Other expense
Change in fair value of mortgage servicing rights $ (4,473) $ (8,826) $ (14,696) $ (11,219)
Change in fair value of derivative hedging instruments 1,083 4,336 4,006 (648)
Servicing income 3,446 2,754 10,159 10,040
Servicing expenses 1,409 1,732 4,974 5,612
Net servicing income $ 2,037 $ 1,022 $ 5,185 $ 4,428
v3.25.3
Mortgage Servicing Rights - Schedule of Data and Key Economic Assumptions Related to Mortgage Servicing Rights (Details) - USD ($)
$ in Thousands
 9 Months Ended 12 Months Ended
Sep. 30, 2025
Dec. 31, 2024
Transfers and Servicing of Financial Assets [Abstract]    
Unpaid principal balance of mortgage loans sold and serviced for others $ 9,716,824 $ 10,235,048
Weighted-average prepayment speed (CPR) 6.51% 6.04%
Estimated impact on fair value of a 10% increase $ (4,133) $ (4,213)
Estimated impact on fair value of a 20% increase $ (7,972) $ (8,168)
Discount rate 9.65% 10.20%
Estimated impact on fair value of a 100 bp increase $ (7,000) $ (7,515)
Estimated impact on fair value of a 200 bp increase $ (13,416) $ (14,397)
Weighted-average coupon interest rate 3.64% 3.59%
Weighted-average servicing fee (basis points) 0.27% 0.27%
Weighted-average remaining maturity (in months) 337 months 336 months
v3.25.3
Mortgage Servicing Rights - Narrative (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Transfers and Servicing of Financial Assets [Abstract]    
Mortgage escrow deposits $ 131,588 $ 68,995
v3.25.3
Borrowings - Schedule of Long-term Debt Instruments (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Assets Sold under Agreements to Repurchase [Line Items]    
Outstanding Balance $ 213,638 $ 176,789
Weighted Average Interest Rate 4.23% 0.20%
Securities sold under agreements to repurchase and federal funds purchased    
Assets Sold under Agreements to Repurchase [Line Items]    
Outstanding Balance $ 107,486 $ 13,499
Weighted Average Interest Rate 4.23% 0.20%
Subordinated debt, net    
Assets Sold under Agreements to Repurchase [Line Items]    
Outstanding Balance $ 83,338 $ 130,704
Weighted Average Interest Rate 5.01% 5.28%
Other borrowings    
Assets Sold under Agreements to Repurchase [Line Items]    
Outstanding Balance $ 22,814 $ 32,586
Weighted Average Interest Rate 0.09% 0.07%
v3.25.3
Borrowings - Securities Sold Under Agreements to Repurchase and Federal Funds Purchased (Details)
 9 Months Ended 12 Months Ended
Sep. 30, 2025
USD ($)
Dec. 31, 2024
USD ($)
Assets Sold under Agreements to Repurchase [Line Items]    
Securities sold under agreements to repurchase $ 12,486,000 $ 13,499,000
Securities sold under agreements to repurchase, average rate paid 0.17% 0.20%
Percentage of fair value of securities pledged of the outstanding balance of repurchase agreement 1  
Weighted average interest rate at period-end 4.23% 0.20%
Collateral Pledged    
Assets Sold under Agreements to Repurchase [Line Items]    
Letter of credit pledged $ 95,000,000 $ 0
Weighted average interest rate at period-end 4.77%  
Federal Funds Purchased    
Assets Sold under Agreements to Repurchase [Line Items]    
Line of credit $ 405,000,000 $ 370,000,000
v3.25.3
Borrowings - Schedule of Securities Sold Under Agreement to Repurchase (Details) - USD ($)
$ in Thousands
 9 Months Ended 12 Months Ended
Sep. 30, 2025
Dec. 31, 2024
Debt Disclosure [Abstract]    
Balance at period-end $ 107,486 $ 13,499
Average daily balance during the period $ 11,773 $ 21,339
Average interest rate during the period 0.72% 1.72%
Maximum month-end balance during the period $ 107,486 $ 78,228
Weighted average interest rate at period-end 4.23% 0.20%
v3.25.3
Borrowings - Federal Home Loan Bank Advances (Details) - USD ($)
Sep. 30, 2025
Dec. 31, 2024
Debt Disclosure [Abstract]    
Total borrowing capacity remaining $ 1,551,283,000 $ 1,397,905,000
Collateral securing line of credit 2,708,821,000 2,608,687,000
Advances $ 0 $ 0
v3.25.3
Borrowings - Schedule of FHLB Advances (Details)
 9 Months Ended
Sep. 30, 2025
USD ($)
Debt Disclosure [Abstract]  
Balance at period-end $ 0
Average daily balance during the period $ 12,821,000
Average interest rate during the period 4.48%
Maximum month-end balance during the period $ 100,000,000
Weighted average interest rate at period-end 0.00%
v3.25.3
Borrowings - Subordinated Debt (Details)
$ in Thousands
 1 Months Ended 9 Months Ended
Sep. 30, 2025
USD ($)
trust
Sep. 30, 2025
USD ($)
trust
Sep. 30, 2024
USD ($)
Jul. 01, 2025
USD ($)
note
Debt Instrument [Line Items]        
Redemption of junior subordinated debentures   $ 130,930 $ 0  
Subordinated debt, net        
Debt Instrument [Line Items]        
Number of separate trusts | trust 2 2    
Long-term debt, term 30 years 30 years    
Redemption of junior subordinated debentures   $ 30,930    
Subordinated debt, net | Fixed To Floating Rate Note        
Debt Instrument [Line Items]        
Long-term debt, term 10 years 10 years    
Redemption of junior subordinated debentures $ 100,000      
Number of debt instruments assumed | note       3
Debt instrument, face amount       $ 92,500
v3.25.3
Borrowings - Schedule of Subordinated Debt (Details)
$ in Thousands
 9 Months Ended
Sep. 30, 2025
USD ($)
Debt Instrument [Line Items]  
Total subordinated debt, net $ 83,338
Subordinated debt, net  
Debt Instrument [Line Items]  
Unamortized fair value marks (9,162)
February 2032 Subordinated Debt | Subordinated debt, net  
Debt Instrument [Line Items]  
Total subordinated debt, net $ 47,500
Interest rate 3.50%
Basis spread on debt variable rate 2.05%
October 2032 Subordinated Debt | Subordinated debt, net  
Debt Instrument [Line Items]  
Total subordinated debt, net $ 40,000
Interest rate 7.00%
Basis spread on debt variable rate 3.06%
December 2031 Subordinated Debt | Subordinated debt, net  
Debt Instrument [Line Items]  
Total subordinated debt, net $ 5,000
Interest rate 3.50%
Basis spread on debt variable rate 2.42%
Fixed To Floating Rate Note | Subordinated debt, net  
Debt Instrument [Line Items]  
Debt phase out percentage 20.00%
v3.25.3
Borrowings - Other Borrowings (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Debt Instrument [Line Items]    
Finance leases $ 1,154 $ 1,229
Borrowings 213,638 176,789
Other borrowings    
Debt Instrument [Line Items]    
Borrowings 22,814 32,586
Mortgage loans held for sale - guaranteed GNMA repurchase option | Other borrowings    
Debt Instrument [Line Items]    
Borrowings $ 21,660 $ 31,357
v3.25.3
Income Taxes (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Operating Loss Carryforwards [Line Items]        
Federal taxes calculated at statutory rate $ 6,217 $ 2,392 $ 14,427 $ 20,275
Increase (decrease) resulting from:        
State taxes, net of federal benefit 125 (986) 372 (776)
(Benefit) expense from stock-based compensation (29) (1) (408) 75
Municipal interest income, net of interest disallowance (408) (313) (1,221) (1,014)
Bank-owned life insurance (151) (81) (334) (692)
Section 162(m) limitation 110 43 795 247
Expiration of the statute of limitations(1) 0 0 (8,713) 0
Interest on refunds(1) 0 0 (2,591) 0
Other 363 120 719 278
Income tax expense, as reported $ 6,227 $ 1,174 $ 3,046 $ 18,393
Percentage increase (decrease) resulting from:        
Federal taxes calculated at statutory rate 21.00% 21.00% 21.00% 21.00%
State taxes, net of federal benefit 0.40% (8.70%) 0.50% (0.80%)
(Benefit) expense from stock-based compensation (0.10%) 0.00% (0.60%) 0.10%
Municipal interest income, net of interest disallowance (1.40%) (2.70%) (1.80%) (1.10%)
Bank-owned life insurance (0.50%) (0.70%) (0.50%) (0.70%)
Section 162(m) limitation 0.40% 0.40% 1.20% 0.30%
Expiration of the statute of limitations(1) 0.00% 0.00% (12.70%) 0.00%
Interest on refunds(1) 0.00% 0.00% (3.80%) 0.00%
Other 1.20% 1.00% 1.10% 0.30%
Income tax expense, as reported 21.00% 10.30% 4.40% 19.10%
Income tax benefit $ (6,227) $ (1,174) $ (3,046) $ (18,393)
Expiration of Statute of Limitations        
Increase (decrease) resulting from:        
Income tax expense, as reported     (10,713)  
Percentage increase (decrease) resulting from:        
Income tax benefit     $ 10,713  
v3.25.3
Commitments and Contingencies - Schedule of Financial Instruments with Off-Balance Sheet Credit Risk (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Balance at end of period $ 3,256,961 $ 2,839,960
Commitments to extend credit, excluding interest rate lock commitments    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Balance at end of period 3,190,375 2,770,105
Letters of credit    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Balance at end of period $ 66,586 $ 69,855
v3.25.3
Commitments and Contingencies - Narrative (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]          
Floating interest rate loan commitments     $ 2,988,878   $ 2,573,218
Total principal amount of loans repurchased or indemnified $ 2,576 $ 1,382 5,827 $ 4,893  
Reserves associated with potential losses on loans $ 740   $ 740   $ 697
v3.25.3
Commitments and Contingencies - Schedule of Allowance of Credit Losses on Unfunded Commitments (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Commitments and Contingencies [Roll Forward]        
Balance at beginning of period $ 148,948 $ 155,055 $ 151,942 $ 150,326
Balance at end of period 184,993 156,260 184,993 156,260
Unfunded Commitments        
Commitments and Contingencies [Roll Forward]        
Balance at beginning of period 12,932 5,984 6,107 8,770
Provision for credit losses on unfunded commitments acquired in business combination 3,243 0 3,243 0
Impact of change in accounting estimate for current expected credit losses 0 0 6,452 0
Provision for (reversal of) credit losses on unfunded commitments 1,217 58 1,590 (2,728)
Balance at end of period $ 17,392 $ 6,042 $ 17,392 $ 6,042
v3.25.3
Derivatives - Narrative (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Derivative [Line Items]          
Amortization expense, terminated fair value hedges   $ 993   $ 4,588  
Net interest income (expense), net $ 147,240 106,017 $ 366,296 308,122  
Recognized loss in other comprehensive income 0 (59) 0 (428)  
Net unrealized income in hedging activities, net of tax benefit 0 (21) 0 (151)  
Cash collateral pledged on derivatives 29,765   29,765   $ 20,961
Designated as hedging          
Derivative [Line Items]          
Recognized loss in other comprehensive income   (59)   (428)  
Designated as hedging | Interest expense on deposits          
Derivative [Line Items]          
Gain (loss) included in income statement   (5)   517  
Interest Rate Swap | Designated as hedging | Subordinated debt, net          
Derivative [Line Items]          
Derivatives 0   0   0
Interest Rate Swap | Subordinated debt, net | Designated as hedging          
Derivative [Line Items]          
Fair value hedge $ 0   $ 0   $ 0
Net interest income (expense), net   $ 0   $ (645)  
v3.25.3
Derivatives - Schedule of Non-Designated Derivative Financial Instruments (Details) - Not designated as hedging - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosures [Line Items]    
Notional Amount $ 1,274,679 $ 987,839
Asset 28,560 29,951
Liability 28,414 32,383
Interest rate contracts    
Derivative Instruments and Hedging Activities Disclosures [Line Items]    
Notional Amount 683,218 565,152
Asset 26,588 29,298
Liability 26,640 29,377
Forward commitments    
Derivative Instruments and Hedging Activities Disclosures [Line Items]    
Notional Amount 275,000 140,000
Asset 0 6
Liability 630 0
Interest rate-lock commitments    
Derivative Instruments and Hedging Activities Disclosures [Line Items]    
Notional Amount 128,961 65,687
Asset 1,972 647
Liability 0 0
Futures contracts    
Derivative Instruments and Hedging Activities Disclosures [Line Items]    
Notional Amount 187,500 217,000
Asset 0 0
Liability $ 1,144 $ 3,006
v3.25.3
Derivatives - Schedule of Gains (Losses) Included in the Consolidated Statements of Income Related to Derivative Financial Instruments (Details) - Not designated as hedging - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Derivatives, Fair Value [Line Items]        
Total $ (1,070) $ 2,081 $ 2,413 $ (1,708)
Interest rate-lock commitments        
Derivatives, Fair Value [Line Items]        
Total (350) 18 1,325 194
Forward commitments        
Derivatives, Fair Value [Line Items]        
Total (1,237) (1,549) (1,560) (1,115)
Futures contracts        
Derivatives, Fair Value [Line Items]        
Total $ 517 $ 3,612 $ 2,648 $ (787)
v3.25.3
Derivatives - Schedule of Offsetting Assets and Liabilities (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Derivative financial assets    
Gross amounts recognized $ 20,625 $ 28,379
Gross amounts offset on the consolidated balance sheets 0 0
Net amounts presented on the consolidated balance sheets 20,625 28,379
Financial instruments 6,135 1,030
Financial collateral pledged 0 0
Net amounts 14,490 27,349
Derivative financial liabilities    
Gross amounts recognized 11,078 9,144
Gross amounts offset on the consolidated balance sheets 0 0
Net amounts presented on the consolidated balance sheets 11,078 9,144
Financial instruments 6,135 1,030
Financial collateral pledged 4,943 8,114
Net amounts $ 0 $ 0
v3.25.3
Fair Value of Financial Instruments - Schedule of Balances and Levels of Assets Measured at Fair Value on Recurring Basis (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Financial assets:    
AFS debt securities: $ 1,426,951 $ 1,538,008
Equity securities, at fair value 1,450 0
Mortgage-backed securities - residential    
Financial assets:    
AFS debt securities: 587,587 810,999
Mortgage-backed securities - commercial    
Financial assets:    
AFS debt securities: 10,681 14,857
Municipal securities    
Financial assets:    
AFS debt securities: 165,411 147,857
U.S. Treasury securities    
Financial assets:    
AFS debt securities: 7,080 299
Corporate securities    
Financial assets:    
AFS debt securities: 2,995 989
Recurring Basis    
Financial assets:    
Equity securities, at fair value 1,450  
Total securities 1,428,401 1,538,008
Loans held for sale, at fair value 145,789 95,403
Mortgage servicing rights 149,840 162,038
Derivatives 28,560 29,951
Financial liabilities:    
Derivatives 28,414 32,383
Recurring Basis | U.S. government agency securities    
Financial assets:    
AFS debt securities: 653,197 563,007
Recurring Basis | Mortgage-backed securities - residential    
Financial assets:    
AFS debt securities: 587,587 810,999
Recurring Basis | Mortgage-backed securities - commercial    
Financial assets:    
AFS debt securities: 10,681 14,857
Recurring Basis | Municipal securities    
Financial assets:    
AFS debt securities: 165,411 147,857
Recurring Basis | U.S. Treasury securities    
Financial assets:    
AFS debt securities: 7,080 299
Recurring Basis | Corporate securities    
Financial assets:    
AFS debt securities: 2,995 989
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1)    
Financial assets:    
Equity securities, at fair value 0  
Total securities 0 0
Loans held for sale, at fair value 0 0
Mortgage servicing rights 0 0
Derivatives 0 0
Financial liabilities:    
Derivatives 0 0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | U.S. government agency securities    
Financial assets:    
AFS debt securities: 0 0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Mortgage-backed securities - residential    
Financial assets:    
AFS debt securities: 0 0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Mortgage-backed securities - commercial    
Financial assets:    
AFS debt securities: 0 0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Municipal securities    
Financial assets:    
AFS debt securities: 0 0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | U.S. Treasury securities    
Financial assets:    
AFS debt securities: 0 0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Corporate securities    
Financial assets:    
AFS debt securities: 0 0
Recurring Basis | Significant other observable inputs (level 2)    
Financial assets:    
Equity securities, at fair value 1,450  
Total securities 1,428,401 1,538,008
Loans held for sale, at fair value 145,789 95,403
Mortgage servicing rights 0 0
Derivatives 28,560 29,951
Financial liabilities:    
Derivatives 28,414 32,383
Recurring Basis | Significant other observable inputs (level 2) | U.S. government agency securities    
Financial assets:    
AFS debt securities: 653,197 563,007
Recurring Basis | Significant other observable inputs (level 2) | Mortgage-backed securities - residential    
Financial assets:    
AFS debt securities: 587,587 810,999
Recurring Basis | Significant other observable inputs (level 2) | Mortgage-backed securities - commercial    
Financial assets:    
AFS debt securities: 10,681 14,857
Recurring Basis | Significant other observable inputs (level 2) | Municipal securities    
Financial assets:    
AFS debt securities: 165,411 147,857
Recurring Basis | Significant other observable inputs (level 2) | U.S. Treasury securities    
Financial assets:    
AFS debt securities: 7,080 299
Recurring Basis | Significant other observable inputs (level 2) | Corporate securities    
Financial assets:    
AFS debt securities: 2,995 989
Recurring Basis | Significant unobservable inputs (level 3)    
Financial assets:    
Equity securities, at fair value 0  
Total securities 0 0
Loans held for sale, at fair value 0 0
Mortgage servicing rights 149,840 162,038
Derivatives 0 0
Financial liabilities:    
Derivatives 0 0
Recurring Basis | Significant unobservable inputs (level 3) | U.S. government agency securities    
Financial assets:    
AFS debt securities: 0 0
Recurring Basis | Significant unobservable inputs (level 3) | Mortgage-backed securities - residential    
Financial assets:    
AFS debt securities: 0 0
Recurring Basis | Significant unobservable inputs (level 3) | Mortgage-backed securities - commercial    
Financial assets:    
AFS debt securities: 0 0
Recurring Basis | Significant unobservable inputs (level 3) | Municipal securities    
Financial assets:    
AFS debt securities: 0 0
Recurring Basis | Significant unobservable inputs (level 3) | U.S. Treasury securities    
Financial assets:    
AFS debt securities: 0 0
Recurring Basis | Significant unobservable inputs (level 3) | Corporate securities    
Financial assets:    
AFS debt securities: $ 0 $ 0
v3.25.3
Fair Value of Financial Instruments - Schedule of Balances and Levels of Assets Measured at Fair Value on Non-recurring Basis (Details) - Non-recurring Basis - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Financial assets:    
Other real estate owned $ 3,076 $ 2,873
Total collateral-dependent loans 25,497 30,512
Commercial and industrial    
Financial assets:    
Total collateral-dependent loans 1,513 694
Construction    
Financial assets:    
Total collateral-dependent loans 16,326 20,818
Residential real estate: | 1-to-4 family mortgage    
Financial assets:    
Total collateral-dependent loans 1,728  
Residential real estate: | Multifamily    
Financial assets:    
Total collateral-dependent loans   9,000
Commercial real estate: | Non-owner occupied    
Financial assets:    
Total collateral-dependent loans 5,930  
Quoted prices in active markets for identical assets (liabilities) (level 1)    
Financial assets:    
Other real estate owned 0 0
Total collateral-dependent loans 0 0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Commercial and industrial    
Financial assets:    
Total collateral-dependent loans 0 0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Construction    
Financial assets:    
Total collateral-dependent loans 0 0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Residential real estate: | 1-to-4 family mortgage    
Financial assets:    
Total collateral-dependent loans 0  
Quoted prices in active markets for identical assets (liabilities) (level 1) | Residential real estate: | Multifamily    
Financial assets:    
Total collateral-dependent loans   0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Commercial real estate: | Non-owner occupied    
Financial assets:    
Total collateral-dependent loans 0  
Significant other observable inputs (level 2)    
Financial assets:    
Other real estate owned 0 0
Total collateral-dependent loans 0 0
Significant other observable inputs (level 2) | Commercial and industrial    
Financial assets:    
Total collateral-dependent loans 0 0
Significant other observable inputs (level 2) | Construction    
Financial assets:    
Total collateral-dependent loans 0 0
Significant other observable inputs (level 2) | Residential real estate: | 1-to-4 family mortgage    
Financial assets:    
Total collateral-dependent loans 0  
Significant other observable inputs (level 2) | Residential real estate: | Multifamily    
Financial assets:    
Total collateral-dependent loans   0
Significant other observable inputs (level 2) | Commercial real estate: | Non-owner occupied    
Financial assets:    
Total collateral-dependent loans 0  
Significant unobservable inputs (level 3)    
Financial assets:    
Other real estate owned 3,076 2,873
Total collateral-dependent loans 25,497 30,512
Significant unobservable inputs (level 3) | Commercial and industrial    
Financial assets:    
Total collateral-dependent loans 1,513 694
Significant unobservable inputs (level 3) | Construction    
Financial assets:    
Total collateral-dependent loans 16,326 20,818
Significant unobservable inputs (level 3) | Residential real estate: | 1-to-4 family mortgage    
Financial assets:    
Total collateral-dependent loans 1,728  
Significant unobservable inputs (level 3) | Residential real estate: | Multifamily    
Financial assets:    
Total collateral-dependent loans   $ 9,000
Significant unobservable inputs (level 3) | Commercial real estate: | Non-owner occupied    
Financial assets:    
Total collateral-dependent loans $ 5,930  
v3.25.3
Fair Value of Financial Instruments - Schedule of Significant Unobservable Inputs (Level 3) Used in Valuation of Assets Measured at Fair Value on Nonrecurring Basis (Details) - Non-recurring Basis
$ in Thousands
Sep. 30, 2025
USD ($)
Dec. 31, 2024
USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Collateral-dependent net loans held for investment, fair value $ 25,497 $ 30,512
Other real estate owned, fair value 3,076 2,873
Significant unobservable inputs (level 3)    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Collateral-dependent net loans held for investment, fair value 25,497 30,512
Other real estate owned, fair value $ 3,076 $ 2,873
Significant unobservable inputs (level 3) | Minimum    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Collateral-dependent net loans held for investment, range of inputs 0.10 0.10
Other real estate owned, range of inputs 0 0
Significant unobservable inputs (level 3) | Maximum    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Collateral-dependent net loans held for investment, range of inputs 0.23 0.40
Other real estate owned, range of inputs 0.10 0.10
v3.25.3
Fair Value of Financial Instruments - Narrative (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Mortgage Loans          
Fair Value Measurement Inputs and Valuation Techniques [Line Items]          
Net gains (losses) from fair value changes of mortgage loans $ 405 $ (241) $ 2,233 $ 315  
Loans HFS and derivatives          
Fair Value Measurement Inputs and Valuation Techniques [Line Items]          
Net gains (losses) from fair value changes of mortgage loans 801 $ (480) 2,741 $ 1,337  
Level 3 | Non-recurring Basis          
Fair Value Measurement Inputs and Valuation Techniques [Line Items]          
Amortized costs of collateral dependent loans $ 26,333   $ 26,333   $ 34,712
v3.25.3
Fair Value of Financial Instruments - Schedule of Loans Held for Sale at Fair Value (Details) - Recurring Basis - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total loans held for sale $ 167,449 $ 126,760
Mortgage loans held for sale | Loans held for sale under a fair value option    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Mortgage loans held for sale 145,789 95,403
Mortgage loans held for sale - guaranteed GNMA repurchase option    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Mortgage loans held for sale $ 21,660 $ 31,357
v3.25.3
Fair Value of Financial Instruments - Schedule of Differences Between Fair Value and Principal Balance for Loans Held for Sale Measured at Fair Value (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Aggregate fair value    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Difference $ 145,789 $ 95,403
Aggregate unpaid principal balance    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Difference 142,071 93,918
Difference    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Difference $ 3,718 $ 1,485
v3.25.3
Fair Value of Financial Instruments - Schedule of Estimated Fair Values and Carrying Values of Financial Instruments (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Financial assets:    
Net loans HFI $ 12,112,607 $ 9,450,442
Interest receivable $ 60,755 $ 49,611
Derivative Asset, Statement of Financial Position [Extensible Enumeration] Other assets Other assets
Financial liabilities:    
Derivative Liability, Statement of Financial Position [Extensible Enumeration] Accrued expenses and other liabilities Accrued expenses and other liabilities
Carrying amount    
Financial assets:    
Cash and cash equivalents $ 1,280,033 $ 1,042,488
Investment securities 1,428,401 1,538,008
Net loans HFI 12,112,607 9,450,442
Loans held for sale, at fair value 145,789 95,403
Interest receivable 60,755 49,611
Mortgage servicing rights 149,840 162,038
Derivatives 28,560 29,951
Financial liabilities:    
Without stated maturities 11,117,354 9,361,140
With stated maturities 2,695,601 1,849,294
Securities sold under agreements to repurchase and federal funds purchased 107,486 13,499
Subordinated debt, net 83,338 130,704
Interest payable 16,560 24,182
Derivatives 28,414 32,383
 Fair Value    
Financial assets:    
Cash and cash equivalents 1,280,033 1,042,488
Investment securities 1,428,401 1,538,008
Net loans HFI 12,017,272 9,221,311
Loans held for sale, at fair value 145,789 95,403
Interest receivable 60,755 49,611
Mortgage servicing rights 149,840 162,038
Derivatives 28,560 29,951
Financial liabilities:    
Without stated maturities 11,117,354 9,361,140
With stated maturities 2,693,758 1,846,989
Securities sold under agreements to repurchase and federal funds purchased 107,486 13,499
Subordinated debt, net 85,504 126,684
Interest payable 16,560 24,182
Derivatives 28,414 32,383
 Fair Value | Level 1    
Financial assets:    
Cash and cash equivalents 1,280,033 1,042,488
Investment securities 0 0
Net loans HFI 0 0
Loans held for sale, at fair value 0 0
Interest receivable 822 629
Mortgage servicing rights 0 0
Derivatives 0 0
Financial liabilities:    
Without stated maturities 11,117,354 9,361,140
With stated maturities 0 0
Securities sold under agreements to repurchase and federal funds purchased 107,486 13,499
Subordinated debt, net 0 0
Interest payable 3,847 3,759
Derivatives 0 0
 Fair Value | Level 2    
Financial assets:    
Cash and cash equivalents 0 0
Investment securities 1,428,401 1,538,008
Net loans HFI 0 0
Loans held for sale, at fair value 145,789 95,403
Interest receivable 7,384 8,012
Mortgage servicing rights 0 0
Derivatives 28,560 29,951
Financial liabilities:    
Without stated maturities 0 0
With stated maturities 2,693,758 1,846,989
Securities sold under agreements to repurchase and federal funds purchased 0 0
Subordinated debt, net 0 0
Interest payable 12,713 18,923
Derivatives 28,414 32,383
 Fair Value | Level 3    
Financial assets:    
Cash and cash equivalents 0 0
Investment securities 0 0
Net loans HFI 12,017,272 9,221,311
Loans held for sale, at fair value 0 0
Interest receivable 52,549 40,970
Mortgage servicing rights 149,840 162,038
Derivatives 0 0
Financial liabilities:    
Without stated maturities 0 0
With stated maturities 0 0
Securities sold under agreements to repurchase and federal funds purchased 0 0
Subordinated debt, net 85,504 126,684
Interest payable 0 1,500
Derivatives $ 0 $ 0
v3.25.3
Segment Reporting - Narrative (Details)
 9 Months Ended
Sep. 30, 2025
segment
Segment Reporting [Abstract]  
Number of reporting segments 2
v3.25.3
Segment Reporting - Schedule of Segment Financial Information (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Segment Reporting Information [Line Items]          
Interest income $ 236,898 $ 185,628 $ 598,688 $ 539,169  
Interest expense 89,658 79,611 232,392 231,047  
Net interest income 147,240 106,017 366,296 308,122  
Provisions for credit losses 34,417 1,914 42,046 4,920  
Net interest income after provision for credit losses 112,823 104,103 324,250 303,202  
Mortgage banking income 16,874 16,043 49,629 47,915  
Change in fair value of mortgage servicing rights, net of hedging (3,390) (4,490) (10,690) (11,867)  
Other noninterest income 13,151 (28,050) (23,824) (18,975)  
Total noninterest income 26,635 (16,497) 15,115 17,073  
Salaries, commissions and employee benefits 59,210 47,538 154,192 138,381  
Merger and integration costs 16,057 0 19,192 0  
Depreciation and amortization 3,185 3,255 8,820 8,957  
Amortization of intangibles 2,079 719 3,366 2,260  
Other noninterest expense 29,325 24,700 85,096 74,127  
Total noninterest expense 109,856 76,212 270,666 223,725  
Income before income taxes 29,602 11,394 68,699 96,550  
Income tax expense 6,227 1,174 3,046 18,393  
Net income applicable to FB Financial Corporation and noncontrolling interest 23,375 10,220 65,653 78,157  
Net income applicable to noncontrolling interest 0 0 8 8  
Net income applicable to FB Financial Corporation 23,375 10,220 65,645 78,149  
Total assets 16,236,459 12,920,222 16,236,459 12,920,222 $ 13,157,482
Goodwill 350,353 242,561 350,353 242,561 $ 242,561
Banking          
Segment Reporting Information [Line Items]          
Interest income 236,073 185,824 595,948 539,814  
Interest expense 91,214 81,489 236,421 235,824  
Net interest income 144,859 104,335 359,527 303,990  
Provisions for credit losses 34,070 1,861 36,841 5,131  
Net interest income after provision for credit losses 110,789 102,474 322,686 298,859  
Mortgage banking income 0 0 0 0  
Change in fair value of mortgage servicing rights, net of hedging 0 0 0 0  
Other noninterest income 13,078 (28,370) (23,982) (19,687)  
Total noninterest income 13,078 (28,370) (23,982) (19,687)  
Salaries, commissions and employee benefits 51,441 39,938 131,545 116,521  
Merger and integration costs 16,057   19,192    
Depreciation and amortization 3,167 3,141 8,759 8,594  
Amortization of intangibles 2,079 719 3,366 2,260  
Other noninterest expense 24,225 19,316 68,346 58,111  
Total noninterest expense 96,969 63,114 231,208 185,486  
Income before income taxes 26,898 10,990 67,496 93,686  
Total assets 15,598,629 12,337,135 15,598,629 12,337,135  
Goodwill 350,353 242,561 350,353 242,561  
Mortgage          
Segment Reporting Information [Line Items]          
Interest income 825 (196) 2,740 (645)  
Interest expense (1,556) (1,878) (4,029) (4,777)  
Net interest income 2,381 1,682 6,769 4,132  
Provisions for credit losses 347 53 5,205 (211)  
Net interest income after provision for credit losses 2,034 1,629 1,564 4,343  
Mortgage banking income 16,874 16,043 49,629 47,915  
Change in fair value of mortgage servicing rights, net of hedging (3,390) (4,490) (10,690) (11,867)  
Other noninterest income 73 320 158 712  
Total noninterest income 13,557 11,873 39,097 36,760  
Salaries, commissions and employee benefits 7,769 7,600 22,647 21,860  
Merger and integration costs 0   0    
Depreciation and amortization 18 114 61 363  
Amortization of intangibles 0 0 0 0  
Other noninterest expense 5,100 5,384 16,750 16,016  
Total noninterest expense 12,887 13,098 39,458 38,239  
Income before income taxes 2,704 404 1,203 2,864  
Total assets 637,830 583,087 637,830 583,087  
Goodwill $ 0 $ 0 $ 0 $ 0  
v3.25.3
Minimum Capital Requirements (Details)
$ in Thousands
Sep. 30, 2025
USD ($)
Dec. 31, 2024
USD ($)
FB Financial Corporation    
Total Capital (to risk-weighted assets)    
Actual, amount $ 1,923,161 $ 1,721,941
Actual, ratio 0.136 0.152
Minimum requirement for capital adequacy with capital buffer, amount $ 1,488,143 $ 1,187,163
Minimum requirement for capital adequacy with capital buffer, ratio 0.105 0.105
Tier 1 Capital (to risk-weighted assets)    
Actual, amount $ 1,662,376 $ 1,480,722
Actual, ratio 0.117 0.131
Minimum requirement for capital adequacy with capital buffer, amount $ 1,204,687 $ 961,037
Minimum requirement for capital adequacy with capital buffer, ratio 0.085 0.085
Common Equity Tier 1 Capital (to risk-weighted assets)    
Actual, amount $ 1,662,376 $ 1,450,722
Actual, ratio 0.117 0.128
Minimum requirement for capital adequacy with capital buffer, amount $ 992,095 $ 791,442
Minimum requirement for capital adequacy with capital buffer, ratio 0.070 0.070
Tier 1 Capital (to average assets)    
Actual, amount $ 1,662,376 $ 1,480,722
Actual, ratio 0.106 0.113
Minimum requirement for capital adequacy with capital buffer, amount $ 628,731 $ 522,557
Minimum requirement for capital adequacy with capital buffer, ratio 0.040 0.040
FirstBank    
Total Capital (to risk-weighted assets)    
Actual, amount $ 1,863,890 $ 1,650,305
Actual, ratio 0.133 0.147
Minimum requirement for capital adequacy with capital buffer, amount $ 1,475,854 $ 1,175,095
Minimum requirement for capital adequacy with capital buffer, ratio 0.105 0.105
To qualify as well-capitalized under prompt corrective action provision, amount $ 1,405,575 $ 1,119,138
To qualify as well-capitalized under prompt corrective action provision, ratio 0.100 0.100
Tier 1 Capital (to risk-weighted assets)    
Actual, amount $ 1,687,888 $ 1,410,505
Actual, ratio 0.120 0.126
Minimum requirement for capital adequacy with capital buffer, amount $ 1,194,739 $ 951,267
Minimum requirement for capital adequacy with capital buffer, ratio 0.085 0.085
To qualify as well-capitalized under prompt corrective action provision, amount $ 1,124,460 $ 895,310
To qualify as well-capitalized under prompt corrective action provision, ratio 0.080 0.080
Common Equity Tier 1 Capital (to risk-weighted assets)    
Actual, amount $ 1,687,888 $ 1,410,505
Actual, ratio 0.120 0.126
Minimum requirement for capital adequacy with capital buffer, amount $ 983,903 $ 783,397
Minimum requirement for capital adequacy with capital buffer, ratio 0.070 0.070
To qualify as well-capitalized under prompt corrective action provision, amount $ 913,624 $ 727,440
To qualify as well-capitalized under prompt corrective action provision, ratio 0.065 0.065
Tier 1 Capital (to average assets)    
Actual, amount $ 1,687,888 $ 1,410,505
Actual, ratio 0.108 0.108
Minimum requirement for capital adequacy with capital buffer, amount $ 626,042 $ 521,538
Minimum requirement for capital adequacy with capital buffer, ratio 0.040 0.040
To qualify as well-capitalized under prompt corrective action provision, amount $ 782,552 $ 651,923
To qualify as well-capitalized under prompt corrective action provision, ratio 0.050 0.050
v3.25.3
Employee Benefit Plans (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Defined Benefit Plan Disclosure [Line Items]          
Discretionary contribution percentage     50.00%    
Maximum percentage of amount to be contributed by the employer     6.00%    
Matching and profit sharing vesting period     3 years    
Contribution provided by the bank to the plan $ 1,478 $ 760 $ 3,691 $ 2,526  
Post retirement benefits payable 12,722   12,722   $ 2,328
Cash surrender value of bank owned life insurance 113,374   113,374   72,504
Cash value income 717 $ 385 1,589 $ 3,296  
Annuity Contract          
Defined Benefit Plan Disclosure [Line Items]          
Annuity contracts held $ 16,644   $ 16,644   $ 0
v3.25.3
Stock-Based Compensation - Schedule of Changes in Restricted Stock Units (Details) - RSUs
 9 Months Ended
Sep. 30, 2025
$ / shares
shares
Restricted Stock Units Outstanding  
Balance at beginning of period (in shares) | shares 345,436,000
Granted (in shares) | shares 170,614,000
Vested (in shares) | shares (166,583,000)
Forfeited (in shares) | shares (11,676,000)
Balance at end of period (in shares) | shares 337,791,000
Weighted Average Grant Date Fair Value  
Balance at beginning of period (in dollars per share) | $ / shares $ 36.71
Granted (in dollars per share) | $ / shares 48.27
Vested (in dollars per share) | $ / shares 37.67
Forfeited (in dollars per share) | $ / shares 40.54
Balance at end of period (in dollars per share) | $ / shares $ 41.94
v3.25.3
Stock-Based Compensation - Narrative (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]          
Stock-based compensation expense     $ 11,567 $ 7,261  
Dividends declared not paid on restricted stock units and performance stock units $ 309 $ 279 309 279  
Proceeds from employee payroll withholdings 450 473 790 861  
RSUs          
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]          
Fair value of restricted stock units released 345        
Fair value of restricted stock units vested   207 6,275 5,496  
Stock-based compensation expense 1,747 1,744 6,343 5,741  
Unrecognized compensation cost related to nonvested awards 8,426   $ 8,426    
Expected weighted-average period to be recognized     1 year 9 months 14 days    
Dividends declared not paid on restricted stock units and performance stock units $ 308   $ 308   $ 344
RSUs | 2016-LTIP Plan          
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]          
Number of shares available for issuable (in shares) 1,186,133   1,186,133    
RSUs | Directors          
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]          
Stock-based compensation expense $ 256 237 $ 730 584  
PSUs          
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]          
Stock-based compensation expense 2,007 $ 607 5,224 $ 1,520  
Unrecognized compensation cost related to nonvested awards 12,490   $ 12,490    
Expected weighted-average period to be recognized     2 years    
Dividends declared not paid on restricted stock units and performance stock units $ 256   $ 256   $ 217
Criteria period     3 years    
Maximum unrecognized compensation cost, payout percentage 200.00%   200.00%    
PSUs | Tranche One          
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]          
Award vesting, percentage     0.00%    
PSUs | Tranche Four          
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]          
Award vesting, percentage     200.00%    
Employee Stock | ESPP          
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]          
Number of shares available for issuable (in shares) 200,000   200,000    
Purchase price percentage of subsequent offering periods     95.00%    
Maximum number of shares per participant (in shares)     725    
Shares issued under plan (in shares) 9,274 11,256 17,435 21,862  
v3.25.3
Stock-Based Compensation - Schedule of Changes in Performance Stock Units (Details) - PSUs
 9 Months Ended
Sep. 30, 2025
$ / shares
shares
Performance Stock Units Outstanding  
Balance at beginning of period (in shares) | shares 223,393
Granted (in shares) | shares 75,329
Performance adjustment (in shares) | shares 348
Vested (in shares) | shares (50,269)
Forfeited or expired (in shares) | shares (4,909)
Balance at end of period (in shares) | shares 243,892
Weighted Average Grant Date Fair Value  
Balance at beginning of period (in dollars per share) $ 38.06
Granted (in dollars per share) 49.33
Performance adjustment (in dollars per share) 44.09
Vested (in dollars per share) 44.09
Forfeited (in dollars per share) 39.71
Balance at end of period (in dollars per share) 40.24
Tranche Three  
Weighted Average Grant Date Fair Value  
Granted (in dollars per share) $ 49.33
Award vesting, percentage 100.00%
v3.25.3
Stock-Based Compensation - Schedule of Outstanding Performance Stock Units (Details) - PSUs
 9 Months Ended
Sep. 30, 2025
$ / shares
shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]  
Granted (in dollars per share) $ 49.33
Tranche One  
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]  
Granted (in dollars per share) $ 37.17
PSUs outstanding (in shares) | shares 72,595
Tranche Two  
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]  
Granted (in dollars per share) $ 35.60
PSUs outstanding (in shares) | shares 97,200
Tranche Three  
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]  
Granted (in dollars per share) $ 49.33
PSUs outstanding (in shares) | shares 74,097
v3.25.3
Related Party Transactions - Schedule of Analysis of Loans to Management, Executive Officers, Directors and Related Interests (Details)
$ in Thousands
 9 Months Ended
Sep. 30, 2025
USD ($)
Financing Receivable, Related Parties [Roll Forward]  
Loans outstanding at January 1, 2025 $ 31,406
New loans and advances 20,991
Change in related party status 0
Repayments (11,411)
Loans outstanding at September 30, 2025 $ 40,986
v3.25.3
Related Party Transactions - Narrative (Details)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
USD ($)
boardSeat
Sep. 30, 2024
USD ($)
Sep. 30, 2025
USD ($)
boardSeat
Sep. 30, 2024
USD ($)
Dec. 31, 2024
USD ($)
Related Party Transaction [Line Items]          
Deposits from related parties $ 405,630   $ 405,630   $ 282,963
Other income $ 2,121 $ 2,465 $ 6,009 $ 8,786  
Number of board seats, privately held entity | boardSeat 2   2    
Amortized cost $ 1,482,841   $ 1,482,841   1,679,397
Manufactured loan housing securities          
Related Party Transaction [Line Items]          
Mater loan purchase agreement, maximum capacity 250,000   $ 250,000    
Master loan purchase agreement, term     5 years    
Loans purchased 17,770 16,970 $ 45,780 43,776  
Amortized cost 128,042   128,042   86,890
Directors          
Related Party Transaction [Line Items]          
Operating lease expense 101 100 301 311  
Directors | FBK Aviation, LLC | Aviation Time Sharing Agreements          
Related Party Transaction [Line Items]          
Other income 18 $ 3 43 $ 46  
Unfunded Loan Commitment | Certain Executive Officers, Certain Management and Directors and Their Associates          
Related Party Transaction [Line Items]          
Unfunded commitments $ 55,374   $ 55,374   $ 14,510