Summary of loans


	June 30,			December 31,
(Dollars in thousands)	2026			2025
Loans:
Construction and land development ⁽¹⁾	$	2,982,968		$	2,548,360
Commercial non-owner-occupied		17,481,117			16,651,760
Commercial owner-occupied real estate		7,852,391			7,576,991
Consumer owner-occupied ⁽²⁾		9,125,082			8,618,434
Home equity loans		1,909,020			1,831,789
Commercial and industrial		9,378,444			9,181,408
Other income producing property		1,175,338			1,232,153
Consumer		934,035			955,266
Other loans		8,477			2,366
Total loans		50,846,872			48,598,527
Less: allowance for credit losses		(586,664)			(585,197)
Loans, net	$	50,260,208		$	48,013,330

(1)

Construction and land development includes loans for both commercial construction and development, as well as loans for 1-4 family residential construction and lot loans.

(2)

Consumer owner-occupied real estate includes loans on both 1-4 family owner-occupied property, as well as loans collateralized by 1-4 family owner-occupied properties with a business intent.

Schedule of aging analysis of past due accruing loans


	30 - 59 Days			60 - 89 Days			90+ Days			Total						Non-		Total
(Dollars in thousands)	Past Due			Past Due			Past Due			Past Due			Current			Accruing		Loans
June 30, 2026
Construction and land development	$	2,475		$	2,099		$	108		$	4,682		$	2,972,485		$	5,801	$	2,982,968
Commercial non-owner-occupied		6,994			2,177			—			9,171			17,429,641			42,305		17,481,117
Commercial owner-occupied		11,999			6,207			346			18,552			7,792,320			41,519		7,852,391
Consumer owner-occupied		17,823			1,504			1,063			20,390			9,024,719			79,973		9,125,082
Home equity loans		2,678			1,808			—			4,486			1,895,492			9,042		1,909,020
Commercial and industrial		26,640			7,044			2,251			35,935			9,256,352			86,157		9,378,444
Other income producing property		743			701			28			1,472			1,171,477			2,389		1,175,338
Consumer		1,501			788			—			2,289			928,316			3,430		934,035
Other loans		—			—			—			—			8,477			—		8,477
	$	70,853		$	22,328		$	3,796		$	96,977		$	50,479,279		$	270,616	$	50,846,872
December 31, 2025
Construction and land development	$	3,018		$	472		$	139		$	3,629		$	2,537,171		$	7,560	$	2,548,360
Commercial non-owner-occupied		8,457			304			408			9,169			16,575,180			67,411		16,651,760
Commercial owner-occupied		14,821			4,651			865			20,337			7,516,697			39,957		7,576,991
Consumer owner-occupied		16,301			901			—			17,202			8,527,681			73,551		8,618,434
Home equity loans		2,739			1,226			1			3,966			1,819,479			8,344		1,831,789
Commercial and industrial		24,890			5,860			2,913			33,663			9,052,979			94,766		9,181,408
Other income producing property		1,582			827			615			3,024			1,227,020			2,109		1,232,153
Consumer		2,002			793			—			2,795			949,014			3,457		955,266
Other loans		—			—			—			—			2,366			—		2,366
	$	73,810		$	15,034		$	4,941		$	93,785		$	48,207,587		$	297,155	$	48,598,527

Summary of collateral dependent loans, by type of collateral


	June 30,		Collateral			December 31,		Collateral
(Dollars in thousands)	2026		Coverage		%	2025		Coverage		%
Construction and land development
Other	$	3,796	$	7,725	204%	$	5,778	$	7,725	134%
Commercial owner-occupied real estate
Church		3,260		5,288	162%		3,315		6,075	183%
Other		6,952		15,363	221%		6,157		9,549	155%
Commercial non-owner-occupied real estate
Hotel		8,420		9,720	115%		—		—	—
Retail		3,561		4,549	128%		3,451		5,251	152%
Other		2,444		3,438	141%		1,250		1,512	121%
Office		1,860		1,908	103%		12,250		22,015	180%
Multifamily		23,660		29,592	125%		44,860		50,894	113%
Commercial and industrial
Other		37,147		39,213	106%		49,491		46,539	94%
Other income producing property
1-4 family investment property		—		—	—		717		545	76%
Consumer owner-occupied
1st Mtg Residential		1,484		2,250	152%		1,484		2,250	152%
Total collateral dependent loans	$	92,584	$	119,046		$	128,753	$	152,355

Schedule of changes in status of loans restructured within the previous 12 months


	June 30,
	2026						2025
	Paying Under						Paying Under
	Restructured		Converted to		Foreclosures		Restructured		Converted to		Foreclosures
	Terms		Nonaccrual		and Defaults		Terms		Nonaccrual		and Defaults
	Amortized		Amortized		Amortized		Amortized		Amortized		Amortized
(Dollars in thousands)	Cost		Cost		Cost		Cost		Cost		Cost
Interest rate reduction
Construction and land development	$	1,813	$	—	$	—	$	—	$	—	$	—
Commercial non-owner-occupied		2,058		—		—		15,045		—		—
Commercial owner-occupied real estate		722		—		—		332		—		—
Commercial and industrial		808		—		—		378		—		—
Consumer owner-occupied		—		—		—		—		—		482
Total interest rate reductions	$	5,401	$	—	$	—	$	15,755	$	—	$	482

Term extension
Construction and land development	$	5,307	$	—	$	258	$	286	$	—	$	—
Commercial non-owner-occupied		62,054		—		—		—		—		—
Commercial owner-occupied real estate		5,201		—		—		—		—		—
Commercial and industrial		30,924		—		356		9,245		—		—
Other income producing property		2,443		—		—		—		—		—
Consumer owner-occupied		4,816		265		2,215		5,876		—		298
Total term extensions	$	110,745	$	265	$	2,829	$	15,407	$	—	$	298

Other-than-insignificant payment delay
Commercial non-owner occupied	$	143,902	$	—	$	—	$	—	$	—	$	—
Commercial owner-occupied real estate		3,840		—		—		6,087		—		—
Commercial and industrial		13,128		—		—		1,610		—		—
Other income producing property		266		—		—		—		—		—
Consumer owner-occupied		373		—		—		—		—		—
Total payment delays	$	161,509	$	—	$	—	$	7,697	$	—	$	—

Term Extension and Interest Rate Reduction
Commercial non-owner occupied	$	24,397	$	—	$	—	$	—	$	—	$	—
Consumer owner-occupied		1,733		—		560		1,220		—		—
Total term extension and interest rate combinations	$	26,130	$	—	$	560	$	1,220	$	—	$	—

Term Extension and Payment Delay
Commercial non-owner occupied	$	2,005	$	—	$	—	$	—	$	—	$	—
Commercial and industrial		224		—		—		1,177		—		—
Total term extension and payment delay combinations	$	2,229	$	—	$	—	$	1,177	$	—	$	—

Interest Rate Reduction and Payment Delay
Commercial non-owner occupied	$	29,676	$	—	$	—	$	—	$	—	$	—
Total interest rate reduction and payment delay combinations	$	29,676	$	—	$	—	$	—	$	—	$	—
	$	335,690	$	265	$	3,389	$	41,256	$	—	$	780

Summary of Loans