0001628280-26-035492 | 10-Q | XBRL Viewer

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Loans and Allowance for Credit Losses - Schedule of Financing Receivable, Allowance for Credit Loss (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Allowance for credit losses on loans
Balance at beginning of period	$ 149,674	$ 154,279	$ 154,279
Provision for credit losses on loans	3,125	2,912
Loans charged off	(5,498)	(5,627)	(21,196)
Recoveries on loans previously charged off	2,588	2,174
Balance at end of period	149,889	153,738	149,674
Liability for unfunded commitments
Balance at beginning of period	349	484	484
Provision for credit losses on unfunded lending commitments	20	6
Balance at end of period	369	490	349
Allowance for credit losses on loans and liability for unfunded lending commitments	150,258	154,228
Construction and development
Allowance for credit losses on loans
Balance at beginning of period	14,983	14,119	14,119
Provision for credit losses on loans	(2,765)	(1,144)
Loans charged off	0	0	(14)
Recoveries on loans previously charged off	1	16
Balance at end of period	12,219	12,991	14,983
Liability for unfunded commitments
Balance at beginning of period	104	165	165
Provision for credit losses on unfunded lending commitments	(13)	66
Balance at end of period	91	231	104
Allowance for credit losses on loans and liability for unfunded lending commitments	12,310	13,222
Commercial, financial & agricultural
Allowance for credit losses on loans
Balance at beginning of period	23,474	23,915	23,915
Provision for credit losses on loans	2,072	328
Loans charged off	(1,844)	(786)	(4,749)
Recoveries on loans previously charged off	1,425	417
Balance at end of period	25,127	23,874	23,474
Liability for unfunded commitments
Balance at beginning of period	116	161	161
Provision for credit losses on unfunded lending commitments	22	(23)
Balance at end of period	138	138	116
Allowance for credit losses on loans and liability for unfunded lending commitments	25,265	24,012
Commercial real estate \| Non-owner occupied CRE
Allowance for credit losses on loans
Balance at beginning of period	24,637	24,815	24,815
Provision for credit losses on loans	817	2,383
Loans charged off	0	(816)	(816)
Recoveries on loans previously charged off	153	0
Balance at end of period	25,607	26,382	24,637
Liability for unfunded commitments
Balance at beginning of period	8	6	6
Provision for credit losses on unfunded lending commitments	0	0
Balance at end of period	8	6	8
Allowance for credit losses on loans and liability for unfunded lending commitments	25,615	26,388
Commercial real estate \| Owner occupied CRE
Allowance for credit losses on loans
Balance at beginning of period	10,260	9,940	9,940
Provision for credit losses on loans	401	510
Loans charged off	(103)	0	(384)
Recoveries on loans previously charged off	51	1
Balance at end of period	10,609	10,451	10,260
Liability for unfunded commitments
Balance at beginning of period	7	10	10
Provision for credit losses on unfunded lending commitments	2	(1)
Balance at end of period	9	9	7
Allowance for credit losses on loans and liability for unfunded lending commitments	10,618	10,460
Residential real estate \| Residential mortgage loans
Allowance for credit losses on loans
Balance at beginning of period	48,341	43,471	43,471
Provision for credit losses on loans	749	587
Loans charged off	(83)	(169)	(731)
Recoveries on loans previously charged off	21	111
Balance at end of period	49,028	44,000	48,341
Liability for unfunded commitments
Balance at beginning of period	9	7	7
Provision for credit losses on unfunded lending commitments	1	6
Balance at end of period	10	13	9
Allowance for credit losses on loans and liability for unfunded lending commitments	49,038	44,013
Residential real estate \| Home equity lines of credit
Allowance for credit losses on loans
Balance at beginning of period	5,542	4,505	4,505
Provision for credit losses on loans	307	250
Loans charged off	(14)	0	(64)
Recoveries on loans previously charged off	1	2
Balance at end of period	5,836	4,757	5,542
Liability for unfunded commitments
Balance at beginning of period	105	135	135
Provision for credit losses on unfunded lending commitments	8	(42)
Balance at end of period	113	93	105
Allowance for credit losses on loans and liability for unfunded lending commitments	5,949	4,850
Consumer \| Consumer credit card
Allowance for credit losses on loans
Balance at beginning of period	8,806	8,299	8,299
Provision for credit losses on loans	646	335
Loans charged off	(1,121)	(834)	(3,452)
Recoveries on loans previously charged off	272	190
Balance at end of period	8,603	7,990	8,806
Liability for unfunded commitments
Balance at beginning of period	0	0	0
Provision for credit losses on unfunded lending commitments	0	0
Balance at end of period	0	0	0
Allowance for credit losses on loans and liability for unfunded lending commitments	8,603	7,990
Consumer \| Other consumer loans
Allowance for credit losses on loans
Balance at beginning of period	13,631	25,215	25,215
Provision for credit losses on loans	898	(337)
Loans charged off	(2,333)	(3,022)	(10,986)
Recoveries on loans previously charged off	664	1,437
Balance at end of period	12,860	23,293	13,631
Liability for unfunded commitments
Balance at beginning of period	0	0	0
Provision for credit losses on unfunded lending commitments	0	0
Balance at end of period	0	0	$ 0
Allowance for credit losses on loans and liability for unfunded lending commitments	$ 12,860	$ 23,293

Basis of Presentation	3 Months Ended
Basis of Presentation	Mar. 31, 2026
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation	Basis of Presentation The accompanying consolidated financial statements include the accounts of Central Bancompany, Inc., and its subsidiaries. Central Bancompany owns all the outstanding capital stock of The Central Trust Bank, which is headquartered in Missouri. The consolidated financial statements in this report have not been audited by an independent registered public accounting firm, but in the opinion of management, all adjustments necessary to present fairly the financial position and the results of operations for the interim periods have been made. In addition, all significant intercompany accounts and transactions have been eliminated. 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 balance sheets and revenues and expenses for the periods presented. Actual results could differ significantly from those estimates. The results of operations for the three months ended March 31, 2026 are not necessarily indicative of results to be attained for the full year or any other interim period. The consolidated financial statements have been prepared in accordance with U.S. GAAP for interim financial information and with the instructions to Form 10-Q adopted by the Securities and Exchange Commission. Accordingly, the financial statements do not include all of the information and footnotes required by U.S. GAAP for complete financial statements and should be read in conjunction with the Company's audited consolidated financial statements and notes for the year ended December 31, 2025 contained in the Company's 2025 Annual Report on Form 10-K. Management has evaluated subsequent events for potential recognition or disclosure.

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Cash flows from operating activities:
Net income	$ 111,088	$ 94,798
Adjustments to reconcile net income to net cash from operating activities
Depreciation and amortization	4,933	4,989
Net accretion of discounts and premiums	(7,946)	(3,407)
Deferred income taxes	(20,691)	(1,806)
Provision for credit losses	3,146	2,920
Net gain on sale of loans	(6,107)	(6,639)
Net change in trading debt securities	0	666
Net investment securities gains	0	(109)
Originations of mortgage loans held for sale	(295,149)	(248,607)
Proceeds from sales of mortgage loans held for sale	300,271	253,623
Stock-based compensation	1,004	934
Decrease (increase) in other assets	74,646	(31,574)
Increase in other liabilities	44,906	36,657
Net cash provided by operating activities	210,101	102,445
Cash flows from investing activities:
Purchase of AFS securities	(771,964)	(542,910)
Purchase of equity securities	(3)	(54)
Proceeds from sales of equity securities	29	859
Proceeds from maturities of AFS securities	360,645	458,523
Proceeds from maturities of HTM securities	161	5
Net change in interest-bearing deposits	181	50
Net (increase) decrease in loans	(75,228)	124,732
Purchase of land, buildings, and equipment	(8,414)	(1,337)
Proceeds from sale of land, buildings, and equipment	91	552
Net cash (used in) provided by investing activities	(494,502)	40,420
Cash flows from financing activities:
(Decrease) increase in deposits	(379,212)	101,687
(Decrease) in time deposits	(17,972)	(14,798)
Increase in federal funds purchased and customer repurchase agreements	55,072	90,145
Dividends paid	(29,109)	(12,086)
Purchase of treasury stock	(31,143)	0
Net cash (used in) provided by financing activities	(402,364)	164,948
Net (decrease) increase in cash and cash equivalents	(686,765)	307,813
Cash and cash equivalents at beginning of year	2,064,143	1,241,808
Cash and cash equivalents at end of year	1,377,378	1,549,621
Cash and due from banks	190,868	319,668
Short-term interest-bearing deposits	1,185,077	1,227,505
Federal funds sold and securities purchased under agreements to resell	1,433	2,448
Total cash and cash equivalents	1,377,378	1,549,621
Supplemental disclosure of cash flow information:
Interest paid	48,407	50,570
Income taxes paid	1,049	0
Loans transferred to foreclosed assets held for sale	$ 2,090	$ 1,016

Fair Value Disclosures - Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available for sale	$ 6,741,573	$ 6,372,463
Equity	48,174	48,200
Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Loans held for sale	29,457	54,119
Equity	48,174	48,200
Derivatives	7,732	7,969
Total assets	6,826,934	6,482,752
Derivatives	6,168	7,021
Total liabilities	6,168	7,021
U.S. agency debentures
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available for sale	127,668	132,456
U.S. agency debentures \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available for sale	6,720,940	6,349,320
Obligations of states and political subdivisions
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available for sale	15,892	16,644
Obligations of states and political subdivisions \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available for sale	15,892	16,644
Other securities \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available for sale	4,740	6,499
Level 1 \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Loans held for sale	0	0
Equity	0	0
Derivatives	0	0
Total assets	1,097,918	929,305
Derivatives	0	0
Total liabilities	0	0
Level 1 \| U.S. agency debentures \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available for sale	1,097,308	928,287
Level 1 \| Obligations of states and political subdivisions \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available for sale	0	0
Level 1 \| Other securities \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available for sale	610	1,018
Level 2 \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Loans held for sale	29,457	54,119
Equity	36,661	36,690
Derivatives	7,732	7,969
Total assets	5,717,503	5,541,937
Derivatives	6,168	7,021
Total liabilities	6,168	7,021
Level 2 \| U.S. agency debentures \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available for sale	5,623,633	5,421,033
Level 2 \| Obligations of states and political subdivisions \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available for sale	15,892	16,644
Level 2 \| Other securities \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available for sale	4,129	5,481
Level 3 \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Loans held for sale	0	0
Equity	11,513	11,510
Derivatives	0	0
Total assets	11,513	11,510
Derivatives	0	0
Total liabilities	0	0
Level 3 \| U.S. agency debentures \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available for sale	0	0
Level 3 \| Obligations of states and political subdivisions \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available for sale	0	0
Level 3 \| Other securities \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Available for sale	$ 0	$ 0

Loans and Allowance for Credit Losses - Schedule of Age Analysis of Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 11,541,912	$ 11,444,216
90 Days past due and still accruing	711	1,343
Nonaccrual	51,364	44,663
Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	11,445,545	11,363,135
30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	44,292	35,075
Total commercial loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	7,103,839	7,062,565
90 Days past due and still accruing	38	34
Nonaccrual	23,033	17,211
Total commercial loans \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	7,064,577	7,035,370
Total commercial loans \| 30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	16,191	9,950
Construction and development
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	512,681	570,749
90 Days past due and still accruing	0	0
Nonaccrual	77	81
Construction and development \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	512,330	570,668
Construction and development \| 30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	274	0
Commercial, financial & agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,740,689	1,761,287
90 Days past due and still accruing	38	34
Nonaccrual	10,282	5,581
Commercial, financial & agricultural \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,726,479	1,751,575
Commercial, financial & agricultural \| 30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	3,890	4,097
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	4,850,469	4,730,529
90 Days past due and still accruing	0	0
Nonaccrual	12,674	11,549
Commercial real estate \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	4,825,768	4,713,127
Commercial real estate \| 30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	12,027	5,853
Commercial real estate \| Non-owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	3,267,008	3,150,269
90 Days past due and still accruing	0	0
Nonaccrual	9,408	9,007
Commercial real estate \| Non-owner occupied CRE \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	3,249,170	3,137,206
Commercial real estate \| Non-owner occupied CRE \| 30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	8,430	4,056
Commercial real estate \| Owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,583,461	1,580,260
90 Days past due and still accruing	0	0
Nonaccrual	3,266	2,542
Commercial real estate \| Owner occupied CRE \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,576,598	1,575,921
Commercial real estate \| Owner occupied CRE \| 30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	3,597	1,797
Residential real estate \| Residential mortgage loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	3,423,146	3,321,101
90 Days past due and still accruing	205	862
Nonaccrual	24,335	23,893
Residential real estate \| Residential mortgage loans \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	3,380,559	3,283,403
Residential real estate \| Residential mortgage loans \| 30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	18,047	12,943
Residential real estate \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	422,737	410,845
90 Days past due and still accruing	125	167
Nonaccrual	1,237	1,203
Residential real estate \| Home equity lines of credit \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	420,147	408,114
Residential real estate \| Home equity lines of credit \| 30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,228	1,361
Consumer \| Consumer credit card
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	93,171	98,310
90 Days past due and still accruing	343	280
Nonaccrual	0	0
Consumer \| Consumer credit card \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	91,960	96,988
Consumer \| Consumer credit card \| 30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	868	1,042
Consumer \| Other consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	499,019	551,395
90 Days past due and still accruing	0	0
Nonaccrual	2,759	2,356
Consumer \| Other consumer loans \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	488,302	539,260
Consumer \| Other consumer loans \| 30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	7,958	9,779
Total residential and consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	4,438,073	4,381,651
90 Days past due and still accruing	673	1,309
Nonaccrual	28,331	27,452
Total residential and consumer loans \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	4,380,968	4,327,765
Total residential and consumer loans \| 30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 28,101	$ 25,125

Customer Repurchase Agreements

3 Months Ended

Mar. 31, 2026

Statistical Disclosure for Banks [Abstract]

Customer Repurchase Agreements

Customer repurchase agreements are short-term borrowings that generally have one day maturities.

The table below shows the remaining contractual maturities of repurchase agreements outstanding at March 31, 2026 and December 31, 2025, in addition to the various types of marketable securities that have been pledged as collateral for these borrowings.


	March 31, 2026
	Remaining Contractual Maturity of the Agreements
	Overnight and continuous		Up to 90 days		Greater than 90 days		Total
	(dollars in thousands)
Repurchase agreements, secured by:
U.S. government and federal agency obligations	$	48,802	$	-	$	-	$	48,802
Government-sponsored enterprise obligations	10,201		-		-		10,201
Mortgage-backed securities	885,499		-		-		885,499

Total repurchase agreements, gross amount recognized	$	944,502	$	-	$	-	$	944,502


	December 31, 2025
	Remaining Contractual Maturity of the Agreements
	Overnight and continuous		Up to 90 days		Greater than 90 days		Total
	(dollars in thousands)
Repurchase agreements, secured by:
U.S. government and federal agency obligations	$	29,667	$	-	$	-	$	29,667
Government-sponsored enterprise obligations	9,181		-		-		9,181
Mortgage-backed securities	906,962		-		-		906,962

Total repurchase agreements, gross amount recognized	$	945,811	$	-	$	-	$	945,811

Loans and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2026

Receivables [Abstract]

Schedule of Loans

Loans consisted of the following at March 31, 2026 and December 31, 2025:


	March 31, 2026		December 31, 2025
	(dollars in thousands)
Loans held for investment:
Construction and development	$	512,681	$	570,749
Commercial, financial & agricultural	1,740,689		1,761,287
Non-owner-occupied commercial real estate	3,267,008		3,150,269
Owner-occupied commercial real estate	1,583,461		1,580,260
Commercial real estate	4,850,469		4,730,529
Total commercial loans	7,103,839		7,062,565
Residential mortgage loans	3,423,146		3,321,101
Home equity lines of credit	422,737		410,845
Consumer credit card	93,171		98,310
Other consumer loans	499,019		551,395
Total residential and consumer loans	4,438,073		4,381,651
Total unpaid principal balance	11,541,912		11,444,216
Add: Unearned income	(9,342)		(9,611)
Loans, held for investment	11,532,570		11,434,605
Loans held for sale	29,457		54,119
Total loans and leases	$	11,562,027	$	11,488,724

Schedule of Loans Made to Officers and Directors

These loans primarily consist of loans made by the Bank to related parties of the Company, which were made in the ordinary course of business of the Bank and otherwise on terms consistent with those available to all customers.


	March 31, 2026
	(dollars in thousands)
Balance of loans to related parties, beginning of year	$	340,010
New loans	8,725
Repayments	(10,244)
Change in relationship	(32,839)
Balance of loans to related parties, March 31, 2026	$	305,653

Schedule of Credit Loss Model Inputs

The assumptions utilized in estimating the Company's allowance for credit losses at March 31, 2026 and December 31, 2025 are discussed below.


Key Assumption	March 31, 2026	December 31, 2025
Overall economic forecast	- Forecast provided by Oxford Economics - The baseline forecast reflects impact from the Iran war, with consumer prices pushed markedly higher. The forecast assumes the war wraps up in coming months and is not a prolonged conflict. - Increased uncertainty and softer demand will delay labor market improvement, keeping unemployment higher for longer.	- Forecast provided by Oxford Economics - Expect the economy to continue to expand, with strong AI related investment with no sign of slowing down - The labor market is softening, affecting real disposable income growth. However, consumer spending is holding up with tariffs driving the cost of core goods.
Reasonable and supportable period and related reversion period	- 4 quarter reasonable and supportable period - 4 quarter reversion to historical average loss rates using straight line method	- 4 quarter reasonable and supportable period - 4 quarter reversion to historical average loss rates using straight line method
Forecasted macro-economic variables	- Unemployment ranging from 4.5% to 4.3% - GDP growth forecast of 2.4% -Prime rate is 6.75%, declining to 6.25% at the end of the supportable forecast	- Unemployment ranging from 4.1% to 4.4% - GDP growth forecast of 2.0% -Prime rate is 6.75%, declining to 6.25% at the end of the supportable forecast
Prepayment assumptions	- Commercial loan prepayment speeds of 14.4% - Mortgage and HELOC prepayment speeds of 18.3% - Consumer loan and credit card prepayment speeds of 15.0%	- Commercial loan prepayment speeds of 14.4% - Mortgage and HELOC prepayment speeds of .18.3% - Consumer loan and credit card prepayment speeds of 15.0%
Qualitative factors	Qualitative adjustments for: - Economic, government policy, and geopolitical uncertainties - Impact of inflation and interest rates on borrower ability to repay - Changes in portfolio composition, concentrations, and underwriting standards	Qualitative adjustments for: - Impact of inflation, tariffs, and interest rates on borrower ability to repay - Economic, government policy, and geopolitical uncertainties - Changes in portfolio composition, concentrations, and underwriting standards

Schedule of Financing Receivable, Allowance for Credit Loss

The following is a summary of the activity in the allowance for credit losses on loans and the liability for unfunded lending commitments during the three months ended March 31, 2026 and March 31, 2025. Included within commercial loans are the following pools – real estate development & construction, commercial real estate, owner-occupied CRE, commercial & industrial, and multifamily residential loans. Included within residential real estate are 1-4 family residential and home equity loans. Included within individual loans are consumer and credit card loans.


	Three Months Ended March 31, 2026
					Commercial real estate				Residential real estate				Consumer
	Construction & development		Commercial, financial & agricultural		Non-owner occupied CRE		Owner occupied CRE		Residential mortgage loans		Home equity line of credit		Consumer credit card		All other consumer		Total
	(dollars in thousands)
Allowance for credit losses on loans
Balance at beginning of period	$	14,983	$	23,474	$	24,637	$	10,260	$	48,341	$	5,542	$	8,806	$	13,631	$	149,674
Provision for credit losses on loans	(2,765)		2,072		817		401		749		307		646		898		3,125
Loans charged off	-		(1,844)		-		(103)		(83)		(14)		(1,121)		(2,333)		(5,498)
Recoveries on loans previously charged off	1		1,425		153		51		21		1		272		664		2,588
Balance at end of period	$	12,219	$	25,127	$	25,607	$	10,609	$	49,028	$	5,836	$	8,603	$	12,860	$	149,889
Liability for unfunded commitments
Balance at beginning of period	$	104	$	116	$	8	$	7	$	9	$	105	$	-	$	-	$	349
Provision for credit losses on unfunded lending commitments	(13)		22		-		2		1		8		-		-		20
Balance at end of period	$	91	$	138	$	8	$	9	$	10	$	113	$	-	$	-	$	369
Allowance for credit losses on loans and liability for unfunded lending commitments	$	12,310	$	25,265	$	25,615	$	10,618	$	49,038	$	5,949	$	8,603	$	12,860	$	150,258


	Three Months Ended March 31, 2025
					Commercial real estate				Residential real estate				Consumer
	Construction & development		Commercial, financial & agricultural		Non-owner occupied CRE		Owner occupied CRE		Residential mortgage loans		Home equity line of credit		Consumer credit card		All other consumer		Total
	(dollars in thousands)
Allowance for credit losses on loans
Balance at beginning of period	$	14,119	$	23,915	$	24,815	$	9,940	$	43,471	$	4,505	$	8,299	$	25,215	$	154,279
Provision for credit losses on loans	(1,144)		328		2,383		510		587		250		335		(337)		2,912
Loans charged off	-		(786)		(816)		-		(169)		-		(834)		(3,022)		(5,627)
Recoveries on loans previously charged off	16		417		-		1		111		2		190		1,437		2,174
Balance at end of period	$	12,991	$	23,874	$	26,382	$	10,451	$	44,000	$	4,757	$	7,990	$	23,293	$	153,738
Liability for unfunded commitments
Balance at beginning of period	$	165	$	161	$	6	$	10	$	7	$	135	$	-	$	-	$	484
Provision for credit losses on unfunded lending commitments	66		(23)		-		(1)		6		(42)		-		-		6
Balance at end of period	$	231	$	138	$	6	$	9	$	13	$	93	$	-	$	-	$	490
Allowance for credit losses on loans and liability for unfunded lending commitments	$	13,222	$	24,012	$	26,388	$	10,460	$	44,013	$	4,850	$	7,990	$	23,293	$	154,228

The risk category of loans in the portfolio as of March 31, 2026 and December 31, 2025 are as follows:


	March 31, 2026
	Term Loans Amortized Cost Basis by Origination Year
	2026		2025		2024		2023		2022		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
Construction and development
Risk Rating
Pass	$	21,826	$	165,052	$	166,525	$	17,905	$	59,312	$	32,641	$	37,070	$	500,331
Watch	-		542		358		-		4,109		-		-		5,009
Substandard	-		1,913		2,612		-		2,264		475		-		7,264
Non-accrual	-		-		-		-		-		77		-		77
Total construction and development	21,826		167,507		169,495		17,905		65,685		33,193		37,070		512,681
Gross write-offs for the three months ended March 31, 2026	-		-		-		-		-		-		-		-
Commercial, financial & agricultural
Risk Rating
Pass	108,245		344,881		233,866		135,276		138,574		277,179		469,569		1,707,590
Watch	769		433		1,318		684		444		5,466		1,082		10,196
Substandard	209		1,167		911		1,178		534		8,306		316		12,621
Non-accrual	-		214		191		1,414		3,166		4,690		607		10,282
Total commercial, financial & agricultural	109,223		346,695		236,286		138,552		142,718		295,641		471,574		1,740,689
Gross write-offs for the three months ended March 31, 2026	17		550		275		173		(1)		334		496		1,844
Non-owner occupied CRE
Risk Rating
Pass	104,465		422,725		287,221		269,844		560,914		1,434,450		44,740		3,124,359
Watch	-		2,951		524		1,712		19,493		56,022		559		81,261
Substandard	-		-		916		4,986		23,475		22,603		-		51,980
Non-accrual	-		-		-		-		6,565		2,843		-		9,408
Total non-owner occupied CRE	104,465		425,676		288,661		276,542		610,447		1,515,918		45,299		3,267,008
Gross write-offs for the three months ended March 31, 2026	-		-		-		-		-		-		-		-
Owner occupied CRE
Risk Rating
Pass	58,043		244,856		129,615		108,991		168,594		700,161		113,689		1,523,949
Watch	391		-		1,136		2,577		2,863		16,830		979		24,776
Substandard	975		412		2,030		3,623		13,783		9,101		1,546		31,470
Non-accrual	-		-		-		140		1,127		1,999		-		3,266
Total owner occupied CRE	59,409		245,268		132,781		115,331		186,367		728,091		116,214		1,583,461
Gross write-offs for the three months ended March 31, 2026	48		-		-		-		-		55		-		103


	March 31, 2026
	Term Loans Amortized Cost Basis by Origination Year
	2026		2025		2024		2023		2022		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
Residential mortgage loans

Accrual	261,883		886,239		486,135		396,501		511,485		794,978		61,590		3,398,811
Non-accrual	-		508		6,071		8,338		2,996		6,422		-		24,335
Total Residential mortgage loans	261,883		886,747		492,206		404,839		514,481		801,400		61,590		3,423,146
Gross write-offs for the three months ended March 31, 2026	83		-		-		-		-		-		-		83
Home equity lines of credit

Accrual	376		323		411		21		97		2,882		417,390		421,500
Non-accrual	-		-		-		-		-		-		1,237		1,237
Total home equity lines of credit	376		323		411		21		97		2,882		418,627		422,737
Gross write-offs for the three months ended March 31, 2026	14		-		-		-		-		-		-		14
Consumer credit card

Current	-		-		-		-		-		-		91,960		91,960
30-89 days	-		-		-		-		-		-		868		868
90+days	-		-		-		-		-		-		343		343
Total consumer credit card	-		-		-		-		-		-		93,171		93,171
Gross write-offs for the three months ended March 31, 2026	-		-		-		-		-		-		1,121		1,121
All other consumer

Current	27,831		94,424		90,614		95,366		81,292		71,156		27,619		488,302
30-89 days	13		823		806		2,265		2,478		1,573		-		7,958
90+ days	-		-		-		-		-		-		-		-
Non-accrual	-		296		475		775		642		571		-		2,759
Total all other consumer	27,844		95,543		91,895		98,406		84,412		73,300		27,619		499,019
Gross write-offs for the three months ended March 31, 2026	300		270		232		663		575		293		-		2,333
Total loans	$	585,026	$	2,167,759	$	1,411,735	$	1,051,596	$	1,604,207	$	3,450,425	$	1,271,164	$	11,541,912
Gross write-offs for the three months ended March 31, 2026	462		820		507		836		574		682		1,617		5,498


	December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
Construction and development
Risk Rating
Pass	$	165,449	$	207,312	$	27,395	$	71,348	$	36,631	$	17,334	$	32,568	$	558,037
Watch	529		244		1,486		3,490		-		-		-		5,749
Substandard	-		-		4,095		2,266		-		521		-		6,882
Non-accrual	-		-		-		-		-		81		-		81
Total construction and development	165,978		207,556		32,976		77,104		36,631		17,936		32,568		570,749
Gross write-offs for the year ended December 31, 2025	-		-		-		-		-		14		-		14


	December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year
	2025	2024	2023	2022	2021	Prior	Revolving loans amortized cost basis	Total
	(dollars in thousands)
Commercial, financial & agricultural
Risk Rating
Pass	383,642	257,121	147,877	154,197	94,111	211,879	475,596	1,724,423
Watch	1,883	1,294	891	652	98	204	1,082	6,104
Substandard	1,981	1,428	1,113	1,242	7,922	11,211	282	25,179
Non-accrual	38	47	1,439	2,990	47	315	705	5,581
Total commercial, financial & agricultural	387,544	259,890	151,320	159,081	102,178	223,609	477,665	1,761,287
Gross write-offs for the year ended December 31, 2025	1,393	358	1,148	824	100	746	180	4,749
Non-owner occupied CRE
Risk Rating
Pass	417,956	257,298	270,435	572,181	421,783	1,063,545	33,545	3,036,743
Watch	-	527	237	6,487	-	49,660	387	57,298
Substandard	-	921	-	23,488	9,538	13,274	-	47,221
Non-accrual	-	-	-	6,164	25	2,818	-	9,007
Total non-owner occupied CRE	417,956	258,746	270,672	608,320	431,346	1,129,297	33,932	3,150,269
Gross write-offs for the year ended December 31, 2025	-	-	-	-	-	816	-	816
Owner occupied CRE
Risk Rating
Pass	231,225	132,459	110,736	173,201	235,419	517,212	111,649	1,511,901
Watch	1,133	1,154	4,080	3,006	5,634	16,519	1,229	32,755
Substandard	418	2,050	3,623	15,059	904	9,137	1,871	33,062
Non-accrual	-	-	72	1,182	259	1,029	-	2,542
Total owner occupied CRE	232,776	135,662	118,510	192,448	242,217	543,898	114,749	1,580,260
Gross write-offs for the year ended December 31, 2025	-	-	-	384	-	-	-	384
Residential mortgage loans

Accrual	912,652	544,631	429,302	529,876	394,244	440,662	45,841	3,297,208
Non-accrual	510	4,328	8,425	3,002	4,121	3,507	-	23,893
Total Residential mortgage loans	913,162	548,959	437,727	532,878	398,365	444,169	45,841	3,321,101
Gross write-offs for the year ended December 31, 2025	263	30	189	158	91	-	-	731
Home equity lines of credit

Accrual	1,061	16	598	99	249	2,707	404,912	409,642
Non-accrual	-	-	-	-	-	-	1,203	1,203
Total home equity lines of credit	1,061	16	598	99	249	2,707	406,115	410,845
Gross write-offs for the year ended December 31, 2025	25	-	-	-	-	-	39	64
Consumer credit card

Current	-	-	-	-	-	-	96,988	96,988
30-89 days	-	-	-	-	-	-	1,042	1,042
90+days	-	-	-	-	-	-	280	280
Total consumer credit card	-	-	-	-	-	-	98,310	98,310
Gross write-offs for the year ended December 31, 2025	-	-	-	-	-	-	3,452	3,452


	December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
All other consumer

Current	108,542		103,299		109,084		95,649		46,525		36,933		39,228		539,260
30-89 days	647		1,573		2,400		2,872		1,424		863		-		9,779
90+ days	-		-		-		-		-		-		-		-
Non-accrual	201		259		673		605		360		258		-		2,356
Total all other consumer	109,390		105,131		112,157		99,126		48,309		38,054		39,228		551,395
Gross write-offs for the year ended December 31, 2025	3,172		1,201		2,004		2,112		1,285		1,212		-		10,986
Total loans	$	2,227,867	$	1,515,960	$	1,123,960	$	1,669,056	$	1,259,295	$	2,399,670	$	1,248,408	$	11,444,216
Gross write-offs for the year ended December 31, 2025	$	4,853	$	1,589	$	3,341	$	3,478	$	1,476	$	2,788	$	3,671	$	21,196

Schedule of Age Analysis of Past Due Loans

The following table provides aging information on the Company's past due and accruing loans, in addition to the balances of loans on non-accrual status, at March 31, 2026 and December 31, 2025. Balances in the tables below represent total unpaid principal balances gross of unearned and unamortized loan fees and costs.


	March 31, 2026
	Current or less than 30 days past due		30 - 89 Days past due		90 Days past due and still accruing		Nonaccrual		Total
Loans held for investment:	(dollars in thousands)
Construction and development	$	512,330	$	274	$	-	$	77	$	512,681
Commercial, financial & agricultural	1,726,479		3,890		38		10,282		1,740,689
Non-owner-occupied commercial real estate	3,249,170		8,430		-		9,408		3,267,008
Owner-occupied commercial real estate	1,576,598		3,597		-		3,266		1,583,461
Total commercial real estate	4,825,768		12,027		-		12,674		4,850,469
Total commercial loans	7,064,577		16,191		38		23,033		7,103,839
Residential mortgage loans	3,380,559		18,047		205		24,335		3,423,146
Home equity lines of credit	420,147		1,228		125		1,237		422,737
Consumer credit card	91,960		868		343		-		93,171
Other consumer loans	488,302		7,958		-		2,759		499,019
Total residential and consumer loans	4,380,968		28,101		673		28,331		4,438,073
Total	$	11,445,545	$	44,292	$	711	$	51,364	$	11,541,912


	December 31, 2025
	Current or less than 30 days past due		30 - 89 Days past due		90 Days past due and still accruing		Nonaccrual		Total
Loans held for investment:	(dollars in thousands)
Construction and development	$	570,668	$	-	$	-	$	81	$	570,749
Commercial, financial & agricultural	1,751,575		4,097		34		5,581		1,761,287
Non-owner-occupied commercial real estate	3,137,206		4,056		-		9,007		3,150,269
Owner-occupied commercial real estate	1,575,921		1,797		-		2,542		1,580,260
Total commercial real estate	4,713,127		5,853		-		11,549		4,730,529
Total commercial loans	7,035,370		9,950		34		17,211		7,062,565
Residential mortgage loans	3,283,403		12,943		862		23,893		3,321,101
Home equity lines of credit	408,114		1,361		167		1,203		410,845
Consumer credit card	96,988		1,042		280		-		98,310
Other consumer loans	539,260		9,779		-		2,356		551,395
Total residential and consumer loans	4,327,765		25,125		1,309		27,452		4,381,651
Total	$	11,363,135	$	35,075	$	1,343	$	44,663	$	11,444,216

Schedule of Amortized Cost Basis of Collateral-Dependent Loans

The following table presents the amortized cost basis of collateral-dependent loans as of March 31, 2026 and December 31, 2025, by the expected source of repayment.


	March 31, 2026
	Real Estate		Business Assets		Total
	(dollars in thousands)
Construction and development	$	2,099	$	-	$	2,099
Commercial, financial & agricultural	-		8,975		8,975
Non-owner-occupied commercial real estate	9,429		-		9,429
Owner-occupied commercial real estate	4,030		-		4,030
Residential mortgage loans	424		-		424
Home equity lines of credit	39		-		39


Total	$	16,021	$	8,975	$	24,996


	December 31, 2025
	Real Estate		Business Assets		Total
	(dollars in thousands)
Construction and development	$	2,530	$	-	$	2,530
Commercial, financial & agricultural	-		4,404		4,404
Non-owner-occupied commercial real estate	9,029		-		9,029
Owner-occupied commercial real estate	4,049		-		4,049
Residential mortgage loans	616		-		616
Home equity lines of credit	-		-		-


Total	$	16,224	$	4,404	$	20,628

Schedule of Financing Receivable, Modified Loans

The following tables present the amortized cost at March 31, 2026 and 2025 of loans that were modified during the three months ended March 31, 2026 and 2025.


	Three Months Ended March 31, 2026
	Term Extension		Payment Delay		Interest Rate Reduction		Interest/Fees Forgiven		Other		Total		% of Total Loan Category

	(dollars in thousands)
Construction and development	$	6,633	$	-	$	-	$	-	$	-	$	6,633	1.29	%
Commercial, financial & agricultural	544		-		-		-		-		544		0.03	%
Non-owner occupied CRE	19,904		892		-		-		-		20,796		0.64	%
Owner occupied CRE	4,430		229		-		-		-		4,659		0.29	%
Total commercial real estate	24,334		1,121		-		-		-		25,455		0.52	%
Residential mortgage loans	5,106		-		501		-		177		5,784		0.17	%
Home equity lines of credit	-		-		-		-		-		-		-	%
Total residential loans	5,106		-		501		-		177		5,784		0.15	%
All other consumer	66		-		147		-		-		213		0.04	%
Total	$	36,683	$	1,121	$	648	$	-	$	177	$	38,629	0.33	%


	Three Months Ended March 31, 2025
	Term Extension		Payment Delay		Interest Rate Reduction		Interest/Fees Forgiven		Other		Total		% of Total Loan Category

	(dollars in thousands)
Construction and development	$	119	$	-	$	-	$	-	$	-	$	119	0.02	%
Commercial, financial & agricultural	74		-		7		1,291		-		1,372		0.08	%
Non-owner occupied CRE	9,159		-		-		-		-		9,159		0.28	%
Owner occupied CRE	620		-		934		1,720		-		3,274		0.20	%
Total commercial real estate	9,779		-		934		1,720		-		12,433		0.25	%
Residential mortgage loans	942		275		1,245		50		-		2,512		0.09	%
Home equity lines of credit	255		-		-		-		-		255		0.07	%
Total residential loans	1,197		275		1,245		50		-		2,767		0.09	%
All other consumer	322		395		114		-		-		831		0.09	%
Total	$	11,491	$	670	$	2,300	$	3,061	$	-	$	17,522	0.15	%

The following tables summarize the financial impact of loan modifications and payment deferrals during the year ended March 31, 2026 and 2025.


	Three Months Ended March 31, 2026
	Interest/Fees Forgiveness		Weighted-Average Months of Deferred Payments	Weighted-Average Months of Term Extensions	Weighted-Average Interest Rate Reduction
	(dollars in thousands)
Construction and development	$	-	-	4	-	%
Commercial, financial & agricultural	-		-	10	-	%
Non-owner occupied CRE	-		116	4	-	%
Owner occupied CRE	-		1	5	-	%
Residential mortgage loans	-		-	20	5.52	%
Home equity lines of credit	-		-	-	-	%
All other consumer	-		-	2	7.59	%
Total	$	-


	Three Months Ended March 31, 2025
	Interest/Fees Forgiveness		Weighted-Average Months of Deferred Payments	Weighted-Average Months of Term Extensions	Weighted-Average Interest Rate Reduction
	(dollars in thousands)
Construction and development	$	-	-	6	-	%
Commercial, financial & agricultural	3		-	15	-	%
Non-owner occupied CRE	-		-	14	-	%
Owner occupied CRE	7		-	15	0.50	%
Residential mortgage loans	3		5	48	0.98	%
Home equity lines of credit	-		-	-	-	%
All other consumer	-		24	5	3.10	%
Total	$	13

Schedule of Financing Receivable, Modified, Subsequent Default

The following table provides the amortized cost basis of loans to borrowers experiencing financial difficulty that had a payment default during the three months ended March 31, 2026 and 2025 and were modified within the 12 months preceding the payment default. For purposes of this disclosure, the Company considers “default” to mean 90 days or more past due as to interest or principal.


	Three Months Ended March 31, 2026
	Term Extension		Payment Delay		Interest Rate Reduction		Interest/Fee Forgiveness		Other		Total		% of Total Loan Category

	(dollars in thousands)
Construction and development	$	118	$	-	$	-	$	-	$	-	$	118	0.02	%
Commercial, financial & agricultural	725		212		115		-		-		1,052		0.06	%
Non-owner-occupied commercial real estate	-		-		-		-		6,069		6,069		0.19	%
Owner-occupied commercial real estate	189		1,127		-		-		-		1,316		0.08	%
Total commercial real estate	189		1,127		-		-		6,069		7,385		0.15	%
Residential mortgage loans	-		-		-		-		-		-		0.00	%
Home equity lines of credit	-		-		-		-		-		-		0.00	%
Total residential loans	-		-		-		-		-		-		0.00	%
All other consumer	89		-		36		-		-		125		0.02	%
Total	$	1,120	$	1,339	$	151	$	-	$	6,069	$	8,679	0.08	%


	Three Months Ended March 31, 2025
	Term Extension		Payment Delay		Interest Rate Reduction		Interest/Fee Forgiveness		Other		Total		% of Total Loan Category

	(dollars in thousands)
Construction and development	$	1,869	$	-	$	-	$	-	$	-	$	1,869	0.24	%
Commercial, financial & agricultural	98		-		-		-		-		98		0.01	%
Non-owner-occupied commercial real estate	3,340		-		-		-		-		3,340		0.10	%
Owner-occupied commercial real estate	1,412		-		-		-		-		1,412		0.09	%
Total commercial real estate	4,752		-		-		-		-		4,752		0.10	%
Residential mortgage loans	485		-		-		-		-		485		0.02	%
Home equity lines of credit	-		-		-		-		-		-		0.00	%
Total residential loans	485		-		-		-		-		485		0.02	%
All other consumer	21		-		110		-		-		131		0.01	%
Total	$	7,225	$	-	$	110	$	-	$	-	$	7,335	0.06	%

The following tables include the end of period balances by past due status and non-accrual performance for modifications to troubled borrowers modified in the previous twelve-month period by portfolio segment as of March 31, 2026 and 2025.


	March 31, 2026
	Current		30-89 Days Past Due		90 Days Past Due		Non-accrual		Total
	(dollars in thousands)
Construction and development	$	8,754	$	-	$	-	$	195	$	8,949
Commercial, financial & agricultural	1,058		126		-		3,402		4,586
Non-owner-occupied commercial real estate	11,679		16,439		-		6,565		34,683
Owner-occupied commercial real estate	12,206		-		-		1,435		13,641
Total commercial real estate	23,885		16,439		-		8,000		48,324
Residential mortgage loans	3,634		27		-		5,495		9,156
Home equity lines of credit	450		-		-		-		450
Total residential loans	4,084		27		-		5,495		9,606
All other consumer	369		175		-		89		633
Total	$	38,150	$	16,767	$	-	$	17,181	$	72,098


	March 31, 2025
	Current		30-89 Days Past Due		90 Days Past Due		Non-accrual		Total
	(dollars in thousands)
Construction and development	$	2,785	$	-	$	-	$	1,743	$	4,528
Commercial, financial & agricultural	4,582		-		-		344		4,926
Non-owner-occupied commercial real estate	11,176		-		-		11,281		22,457
Owner-occupied commercial real estate	6,480		-		-		1,756		8,236
Total commercial real estate	17,656		-		-		13,037		30,693
Residential mortgage loans	2,751		580		-		4,948		8,279
Home equity lines of credit	-		-		-		-		-
Total residential loans	2,751		580		-		4,948		8,279
All other consumer	1,919		-		-		-		1,919
Total	$	29,693	$	580	$	-	$	20,072	$	50,345

Earnings Per Common Share (Tables)

3 Months Ended

Mar. 31, 2026

Earnings Per Share [Abstract]

Schedule of Earnings Per Share, Basic and Diluted

The income per share attributable to common stock for the three months ended March 31, 2026 and March 31, 2025 is shown in the following table.


	For the Three Months Ended March 31,
	2026		2025
	(dollars in thousands, except in per share data)
Basic income per share:
Net income attributable to Central Bancompany, Inc.	$	111,088	$	94,798
Less: Dividends declared on forfeitable nonvested restricted stock	72		27
Net income allocated to common stock	$	111,016	$	94,771
Weighted average common shares outstanding	240,315		219,947
Basic income per common share	$	0.46	$	0.43
Diluted income per common share:
Net income attributable to Central Bancompany, Inc.	$	111,088	$	94,798
Less: Dividends declared on forfeitable nonvested restricted stock	72		27
Net income allocated to common stock	$	111,016	$	94,771
Weighted average diluted common shares outstanding	240,637		219,947
Diluted income per common share:	$	0.46	$	0.43

Loans and Allowance for Credit Losses - Schedule of Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 11,541,912	$ 11,444,216
Add: Unearned income	(9,342)	(9,611)
Loans, held for investment	11,532,570	11,434,605
Loans held for sale	29,457	54,119
Total loans and leases	11,562,027	11,488,724
Related Party
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans, held for investment	305,700
Total commercial loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	7,103,839	7,062,565
Construction and development
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	512,681	570,749
Commercial, financial & agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,740,689	1,761,287
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	4,850,469	4,730,529
Commercial real estate \| Non-owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	3,267,008	3,150,269
Commercial real estate \| Owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,583,461	1,580,260
Total residential and consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	4,438,073	4,381,651
Residential real estate \| Residential mortgage loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	3,423,146	3,321,101
Residential real estate \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	422,737	410,845
Consumer \| Consumer credit card
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	93,171	98,310
Consumer \| Other consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 499,019	$ 551,395

Employee Benefit Plans (Tables)

3 Months Ended

Mar. 31, 2026

Retirement Benefits [Abstract]

Schedule of Net Benefit Costs

The amount of net pension cost is shown in the table below for the three months ended March 31, 2026 and 2025:


	Three Months Ended March 31,
	2026		2025
	(dollars in thousands)
Service Cost	$	-	$	-
Interest Cost	1,388		1,382
Expected Return on Assets	(1,631)		(1,592)
Net Amortization	-		-
Net periodic pension cost	$	(243)	$	(210)

Investment Securities - Schedule of Unrealized Loss on Available-for-Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Fair value
Less than 12 months	$ 2,084,238	$ 419,704
12 months or more	1,411,003	1,479,874
Total	3,495,241	1,899,578
Unrealized losses
Less than 12 months	(15,229)	(1,190)
12 months or more	(106,411)	(103,392)
Total	(121,640)	(104,582)
U.S. government obligations and government- sponsored enterprises
Fair value
Less than 12 months	2,083,763	419,704
12 months or more	1,401,353	1,469,113
Total	3,485,116	1,888,817
Unrealized losses
Less than 12 months	(15,229)	(1,190)
12 months or more	(106,293)	(103,318)
Total	(121,522)	(104,508)
Obligations of states and political subdivisions
Fair value
Less than 12 months	475	0
12 months or more	6,229	7,204
Total	6,704	7,204
Unrealized losses
Less than 12 months	0	0
12 months or more	(52)	(38)
Total	(52)	(38)
Other securities
Fair value
Less than 12 months	0	0
12 months or more	3,421	3,557
Total	3,421	3,557
Unrealized losses
Less than 12 months	0	0
12 months or more	(66)	(36)
Total	$ (66)	$ (36)

Investment Securities - Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Jun. 30, 2026	Mar. 31, 2025	May 15, 2026	May 08, 2026	Mar. 31, 2026	Dec. 31, 2025
Debt Securities, Available-for-sale [Line Items]
Net gains		$ 100
Realized gains		800
Unrealized gain (loss)		$ (700)
Debt securities available-for-sale, accrued interest					$ 27,300	$ 25,100
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]						Other assets
Money market funds, at carrying value					3,460,000	$ 4,060,000
Allowance for credit losses					10	10
Fair value of securities					$ 4,300	$ 4,900
Visa Class B-2 Shares
Debt Securities, Available-for-sale [Line Items]
Shares owned (in shares)					33,010
Visa Class B-2 Shares \| Subsequent Event
Debt Securities, Available-for-sale [Line Items]
Shares owned (in shares)			33,010
Class C Common Stock Owned \| Subsequent Event
Debt Securities, Available-for-sale [Line Items]
Unrealized gain (loss)	$ 8,000
Visa Class B-3 Shares \| Subsequent Event
Debt Securities, Available-for-sale [Line Items]
Shares owned (in shares)			16,505
Investment owned, principal amount			$ 0
Visa Class A Shares \| Subsequent Event
Debt Securities, Available-for-sale [Line Items]
Investment owned price (in USD per share)				$ 318.79

Investment Securities - Schedule of Equity Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Investments, Debt and Equity Securities [Abstract]
Federal Home Loan Bank stock	$ 10,604	$ 10,634
Federal Reserve Bank stock	26,057	26,057
Other - no readily determinable fair value	11,513	11,510
Total	$ 48,174	$ 48,200

Investment Securities

3 Months Ended

Mar. 31, 2026

Investments, Debt and Equity Securities [Abstract]

Investment Securities

The table below includes the fair value of equity securities as of March 31, 2026 and December 31, 2025. Equity investments with no readily determinable fair value are carried at cost. FHLB and FRB stock represent equity interests the Company is required to hold in the Federal Reserve Bank and Federal Home Loan Bank. These amounts are also carried at cost as they do not have a readily determinable fair value because ownership of these shares is restricted, and they lack a market.


	March 31, 2026		December 31, 2025
	(dollars in thousands)

Federal Home Loan Bank stock	$	10,604	$	10,634
Federal Reserve Bank stock	26,057		26,057
Other - no readily determinable fair value	11,513		11,510
Total	$	48,174	$	48,200

During the first three months of 2026, there were no recorded gains or losses on common and preferred stock. During the first three months of 2025, $0.1 million in net gains were recorded on common and preferred stock. These consisted of $0.8 million in realized gains on sales, offset by a $0.7 million decrease in unrealized gains on the portfolio.

Included in the equity securities portfolio at March 31, 2026 are holdings of 33,010 of Visa Class B-2 shares, which are carried at a zero cost basis, as the Company has elected to use an alternative measurement method due to the lack of observable price changes in the market for identical or similar investments of the same issuer.

On April 13, 2026, Visa announced the commencement of an exchange offer pursuant to which holders of Class B‑2 common stock may exchange their shares for a combination of Visa Class B‑3 common stock and Class C common stock (the “Exchange Offer”). The Exchange Offer remains subject to the terms and conditions set forth by Visa.

In May 2026, the Company participated in Visa Inc.’s Exchange Offer, pursuant to which all 33,010 shares of its Class B‑2 common stock were validly tendered and accepted in exchange for a combination of Visa Class B‑3 common stock and Class C common stock, together with cash in lieu of fractional shares.

As a result of the exchange, the Company expects to recognize a pre-tax gain of approximately $8 million in the second quarter of 2026, reflecting the fair value measurement of the Class C common stock received. The fair value of the Class C shares was determined based on their as-converted equivalence to Visa Class A common stock and the closing price of Visa Class A common stock of $318.79 per share on May 8, 2026.

The remaining 16,505 shares of Visa Class B-3 common stock retain the same restrictions as the former Class B-2 shares and have a carrying value of zero, as there have not been observable price changes in orderly transactions for identical or similar investments of the same issuer.

The following tables show the carrying amount, gross unrealized holding gains, gross unrealized holding losses, and fair value of AFS and HTM securities by security type at March 31, 2026 and December 31, 2025.


	As of March 31, 2026
	Amortized Cost		Gross Unrealized Gain		Gross Unrealized Loss		Fair Value		Allowance for Credit Losses		Net Carrying Amount
	(dollars in thousands)
Available for sale:
U.S. Treasury securities	$	1,096,080	$	4,164	$	(2,936)	$	1,097,308	$	-	$	1,097,308
U.S. agency debentures	128,157		16		(505)		127,668		-		127,668
U.S. agency mortgage-backed securities	5,594,209		19,838		(118,082)		5,495,965		-		5,495,965
Obligations of states and political subdivisions	15,889		55		(52)		15,892		-		15,892
Other securities	4,804		2		(66)		4,740		-		4,740
Total	$	6,839,139	$	24,075	$	(121,641)	$	6,741,573	$	-	$	6,741,573

Held to maturity:
U.S. agency RMBS	$	20	$	1	$	-	$	21	$	-	$	21
Obligations of states and political subdivisions	1,518		-		-		1,518		(10)		1,508
Total	$	1,538	$	1	$	-	$	1,539	$	(10)	$	1,529


	As of December 31, 2025
	Amortized Cost		Gross Unrealized Gain		Gross Unrealized Loss		Fair Value		Allowance for Credit Losses		Net Carrying Amount
	(dollars in thousands)
Available for sale:
U.S. Treasury securities	$	918,922	$	10,561	$	(1,196)	$	928,287	$	-	$	928,287
U.S. agency debentures	132,692		177		(413)		132,456		-		132,456
U.S. agency mortgage-backed securities	5,345,130		46,346		(102,899)		5,288,577		-		5,288,577
Obligations of states and political subdivisions	16,595		87		(38)		16,644		-		16,644
Other securities	6,535		-		(36)		6,499		-		6,499
Total	$	6,419,874	$	57,171	$	(104,582)	$	6,372,463	$	-	$	6,372,463

Held to maturity:
U.S. agency RMBS	$	21	$	1	$	-	$	22	$	-	$	22
Obligations of states and political subdivisions	1,678		-		-		1,678		(10)		1,668
Total	$	1,699	$	1	$	-	$	1,700	$	(10)	$	1,690

Accrued interest receivable totaled $27.3 million and $25.1 million at March 31, 2026 and December 31, 2025, respectively, and is included within other assets on the consolidated balance sheets.

The amortized cost and fair value of AFS and HTM securities at March 31, 2026, by contractual maturity, are shown below:


	March 31, 2026
	U.S. government obligations and government- sponsored enterprises						Obligations of states and political subdivisions						Other securities*
	Amortized cost		FTE Yield		Fair value		Amortized cost		FTE Yield		Fair value		Amortized cost		FTE Yield		Fair value
	(dollars in thousands)
Available for sale:
Within 1 year	$	191,070	2.94	%	$	190,109	$	4,743	4.65	%	$	4,773	$	-	-	%	$	-
After 1 but within 5 years	1,033,167		4.20	%	1,034,866		10,744		4.25	%	10,721		-		-		-
After 5 but within 10 years	-		-		-		-		-		-		-		-		-
After 10 years	-		-		-		402		7.91	%	398		-		-		-
Mortgage - and asset-backed securities	5,594,209		4.02	%	5,495,966		-		-		-		4,804		4.77	%	4,740
Total	$	6,818,446	4.01	%	$	6,720,941	$	15,889	4.46	%	$	15,892	$	4,804	4.77	%	$	4,740

Held to maturity:
Within 1 year	$	-	-	%	$	-	$	295	5.04	%	$	295	$	-	-	%	$	-
After 1 but within 5 years	-		-		-		1,223		2.28	%	1,223		-		-		-
After 5 but within 10 years	-		-		-		-		-		-		-		-		-
After 10 years	-		-		-		-		-		-		-		-		-
Mortgage - and asset-backed securities	20		6.11	%	21		-		-		-		-		-		-
Total	$	20	6.11	%	$	21	$	1,518	2.82	%	$	1,518	$	-	-	%	$	-
* Other securities consist primarily of corporate bonds.

There were no proceeds from sales of AFS securities in the three months ended March 31, 2026 and March 31, 2025.

Investment securities with a carrying value of approximately $3.46 billion and $4.06 billion were pledged to secure public deposits, repurchase agreements, and borrowed funds at March 31, 2026 and December 31, 2025, respectively.

Allowance for credit losses on investment securities:

The expected credit losses for HTM debt securities are determined based on the likelihood of default and potential loss, using assumptions that correspond to loans with similar credit profiles. The Company recorded an allowance for credit losses on its HTM debt securities of $10 thousand at both March 31, 2026 and December 31, 2025.

All AFS securities not issued or guaranteed by the U.S. Government, its agencies, or sponsored enterprises undergo a quarterly evaluation for impairment. This evaluation involves testing various credit and loss assumptions, rather than solely relying on credit ratings. As of March 31, 2026, the Company did not identify any such securities for which a credit loss exists, and for the three months ended March 31, 2026 and 2025, the Company did not recognize a credit loss expense on any AFS securities.

Special emphasis and analysis are placed on securities that have experienced a negative credit rating event, are below investment grade, or have an uncertain financial outlook. These securities are placed on a watch list and monitored for further developments. At March 31, 2026, the fair value of securities on this watch list was $4.3 million compared to $4.9 million at December 31, 2025.

The table below summarizes debt securities AFS in an unrealized loss position, aggregated by length of impairment period, for which an allowance for credit losses has not been recorded at March 31, 2026 and December 31, 2025. Unrealized losses on these AFS securities have not been recognized as income because after review, the securities were deemed not to be impaired. The unrealized losses on these securities are primarily attributable to changes in interest rates and current market conditions. At March 31, 2026 management does not intend to sell the securities, nor is it anticipated that it would be required to sell the securities prior to the anticipated recovery.


	As of March 31, 2026
	Less than 12 months				12 months or more				Total
	Fair value		Unrealized losses		Fair value		Unrealized losses		Fair value		Unrealized losses
	(dollars in thousands)
Available for sale:
U.S. government obligations and government- sponsored enterprises	$	2,083,763	$	(15,229)	$	1,401,353	$	(106,293)	$	3,485,116	$	(121,522)
Obligations of states and political subdivisions	475		-		6,229		(52)		6,704		(52)
Other securities	-		-		3,421		(66)		3,421		(66)
Total	$	2,084,238	$	(15,229)	$	1,411,003	$	(106,411)	$	3,495,241	$	(121,640)


	As of December 31, 2025
	Less than 12 months				12 months or more				Total
	Fair value		Unrealized Losses		Fair value		Unrealized losses		Fair value		Unrealized losses
	(dollars in thousands)
Available for sale:
U.S. government obligations and government- sponsored enterprises	$	419,704	$	(1,190)	$	1,469,113	$	(103,318)	$	1,888,817	$	(104,508)
Obligations of states and political subdivisions	-		-		7,204		(38)		7,204		(38)
Other securities	-		-		3,557		(36)		3,557		(36)
Total	$	419,704	$	(1,190)	$	1,479,874	$	(103,392)	$	1,899,578	$	(104,582)

Gross unrealized losses on HTM investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at March 31, 2026 and December 31, 2025 were as follows:


	As of March 31, 2026
	Less than 12 months				12 months or more				Total
	Fair value		Unrealized losses		Fair value		Unrealized losses		Fair value		Unrealized losses
	(dollars in thousands)
Held to maturity:
U.S. government obligations and government- sponsored enterprises	$	-	$	-	$	-	$	-	$	-	$	-
Obligations of states and political subdivisions	515		-		-		-		515		-
Total	$	515	$	-	$	-	$	-	$	515	$	-


	As of December 31, 2025
	Less than 12 months				12 months or more				Total
	Fair value		Unrealized losses		Fair value		Unrealized losses		Fair value		Unrealized losses
	(dollars in thousands)
Held to maturity:
U.S. government obligations and government- sponsored enterprises	$	-	$	-	$	-	$	-	$	-	$	-
Obligations of states and political subdivisions	450		-		-		-		450		-
Total	$	450	$	-	$	-	$	-	$	450	$	-

For obligations of states and political subdivisions, the Company's holdings are primarily in general obligation and revenue bonds. The Company monitors credit risk, including both pre-purchase and ongoing post-purchase credit reviews and analysis. The Company monitors credit ratings of all bond issuers in these segments and reviews available financial data, including market and sector trends. The underlying bonds are evaluated for credit losses in conjunction with management's estimate of the allowance for credit losses.

The following table shows the amortized cost basis by credit rating of the Company's HTM obligations of states and political subdivisions at March 31, 2026 and December 31, 2025.


	March 31, 2026
	Amortized Cost Basis by Credit Rating - HTM Debt Securities
	Non-Rated		A		AA		AAA		Total
Held to maturity securities:	(dollars in thousands)
State and political subdivisions	$	246	$	-	$	977	$	295	$	1,518

	December 31, 2025
	Amortized Cost Basis by Credit Rating - HTM Debt Securities
	Non-Rated		A		AA		AAA		Total
Held to maturity securities:	(dollars in thousands)
State and political subdivisions	$	251	$	-	$	1,132	$	295	$	1,678

All HTM securities were current at March 31, 2026 and December 31, 2025.

Fair Value Disclosures (Tables)

3 Months Ended

Mar. 31, 2026

Fair Value Disclosures [Abstract]

Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis

The following table presents assets and liabilities measured at fair value on a recurring basis (including items that are required to be measured at fair value) at March 31, 2026 and December 31, 2025. There were no transfers among levels during the first three months ended March 31, 2026 or the year ended December 31, 2025.


	Fair Value March 31, 2026		Fair value measurements at report date using
			Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
	(dollars in thousands)
Assets:
Loans held for sale	$	29,457	$	-	$	29,457	$	-
Available for sale investment securities:
U.S. government obligations and government-sponsored enterprises	6,720,940		1,097,308		5,623,633		-
Obligations of states and political subdivisions	15,892		-		15,892		-
Other securities	4,740		610		4,129		-
Equity investments	48,174		-		36,661		11,513

Derivatives	7,732		-		7,732		-
Total assets	$	6,826,934	$	1,097,918	$	5,717,503	$	11,513

Liabilities:
Derivatives	$	6,168	$	-	$	6,168	$	-
Total liabilities	$	6,168	$	-	$	6,168	$	-


			Fair value measurements at report date using
	Fair Value December 31, 2025		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
	(dollars in thousands)
Assets:
Loans held for sale	$	54,119	$	-	$	54,119	$	-
Available for sale investment securities:
U.S. government obligations and government-sponsored enterprises	6,349,320		928,287		5,421,033		-
Obligations of states and political subdivisions	16,644		-		16,644		-
Other securities	6,499		1,018		5,481		-
Equity investments	48,200		-		36,690		11,510

Derivatives	7,969		-		7,969		-
Total assets	$	6,482,752	$	929,305	$	5,541,937	$	11,510

Liabilities:
Derivatives	$	7,021	$	-	$	7,021	$	-
Total liabilities	$	7,021	$	-	$	7,021	$	-

Fair Value Measurements, Nonrecurring

The following table provides the assets measured at fair value on a nonrecurring basis during the first three months of 2026 and 2025, and still held as of March 31, 2026 and 2025.


			Fair value measurements at report date using
	Fair Value March 31, 2026		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
	(dollars in thousands)
Assets:
Collateral dependent loans	$	24,996	$	-	$	-	$	24,996
Mortgage servicing rights	61,916		-		-		61,916
Total assets	$	86,912	$	-	$	-	$	86,912


			Fair value measurements at report date using
	Fair Value March 31, 2025		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
	(dollars in thousands)
Assets:
Collateral dependent loans	$	23,868	$	-	$	-	$	23,868
Mortgage servicing rights	62,757		-		-		62,757
Total assets	$	86,625	$	-	$	-	$	86,625

Schedule of Estimated Fair Values of the Company’s Financial Instruments

The estimated fair values of the Company's financial assets and the classification of their fair value measurement within the valuation hierarchy are as follows at March 31, 2026 and December 31, 2025:


	March 31, 2026
	Carrying amount		Estimated Fair Value
			Level 1		Level 2		Level 3
	(dollars in thousands)
Financial Assets:
Cash and due from banks	$	190,868	$	190,868	$	-	$	-
Short-term interest-bearing deposits	1,185,077		1,185,077		-		-
Interest-bearing deposits	750		750		-		-
Federal funds sold and securities purchased under agreements to resell	1,433		1,433		-		-
Investment securities
Available for sale	6,741,573		1,097,918		5,643,654		-
Held to maturity	1,528		-		862		677
Equity	48,174		-		36,661		11,513
Net loans held for investment	11,382,681		-		-		11,364,316
Loans held for sale	29,457		-		29,457		-
Derivatives	7,732		-		7,732		-
Total assets	$	19,589,273	$	2,476,045	$	5,718,366	$	11,376,506


	December 31, 2025
	Carrying amount		Estimated Fair Value
			Level 1		Level 2		Level 3
	(dollars in thousands)
Financial Assets
Cash and due from banks	$	258,588	$	258,588	$	-	$	-
Short-term interest-bearing deposits	1,805,215		1,805,215		-		-
Interest-bearing deposits	1,039		-		-		1,039
Federal funds sold and securities purchased under agreements to resell	340		340		-		-
Investment securities
Available for sale	6,372,463		929,305		5,443,158		-
Held to maturity	1,689		-		1,023		677
Equity	48,200		-		36,690		11,510

Net loans held for investment	11,284,931		-		-		11,285,348
Loans held for sale	54,119		-		54,119		-
Derivatives	7,969		-		7,969		-
Total assets	$	19,834,553	$	2,993,448	$	5,542,960	$	11,298,574

The estimated fair values of the Company's financial liabilities and the classification of their fair value measurement within the valuation hierarchy are as follows at March 31, 2026 and December 31, 2025:


	March 31, 2026
	Carrying amount		Estimated Fair Value
			Level 1		Level 2		Level 3
	(dollars in thousands)
Financial Liabilities
Federal funds purchased and customer repurchase agreements	$	1,066,923	$	1,066,923	$	-	$	-
Accrued interest payable	8,279		8,279		-		-
Derivatives	6,284		-		6,284		-


	December 31, 2025
	Carrying amount		Estimated Fair Value
			Level 1		Level 2		Level 3
	(dollars in thousands)
Financial Liabilities
Federal funds purchased and customer repurchase agreements	$	1,011,851	$	1,011,851	$	-	$	-
Accrued interest payable	9,306		9,306		-		-
Derivatives	7,021		-		7,021		-

Investment Securities - Schedule of Unrealized Loss on Held-to-Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Fair value
Less than 12 months	$ 515	$ 450
12 months or more	0	0
Total	515	450
Unrealized losses
Less than 12 months	0	0
12 months or more	0	0
Total	0	0
U.S. government obligations and government- sponsored enterprises
Fair value
Less than 12 months	0	0
12 months or more	0	0
Total	0	0
Unrealized losses
Less than 12 months	0	0
12 months or more	0	0
Total	0	0
Obligations of states and political subdivisions
Fair value
Less than 12 months	515	450
12 months or more	0	0
Total	515	450
Unrealized losses
Less than 12 months	0	0
12 months or more	0	0
Total	$ 0	$ 0

Loans and Allowance for Credit Losses - Schedule Of Credit Loss Model Inputs (Details)	3 Months Ended	12 Months Ended
	Mar. 31, 2026	Dec. 31, 2025
GDP Growth
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses measurement input	0.024	0.020
Prepayment Rate \| Total commercial loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses measurement input	0.144	0.144
Prepayment Rate \| Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses measurement input	0.183	0.183
Prepayment Rate \| Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses measurement input	0.150	0.150
Minimum \| Unemployment Rate
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses measurement input	0.045	0.041
Minimum \| Prime Rate
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses measurement input	0.0625	0.0625
Maximum \| Unemployment Rate
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses measurement input	0.043	0.044
Maximum \| Prime Rate
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses measurement input	0.0675	0.0675

Stock-Based Compensation (Tables)

3 Months Ended

Mar. 31, 2026

Schedule of Nonvested Share Activity

The following represents a summary of changes in the Company's nonvested restricted stock shares as of March 31, 2026.


	Shares	Weighted Average Grant Date Fair Value
Nonvested at January 1, 2026	602,300	$	13.31
Granted	245,953	24.56
Vested	(171,600)	13.28
Forfeited	(2,700)	13.28
Nonvested at March 31, 2026	673,953	$	17.43

Commitments, Contingencies, and Guarantees (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Loan commitments
Long-Term Purchase Commitment [Line Items]
Contractual obligation	$ 2,960,160	$ 2,952,732
Standby letters of credit
Long-Term Purchase Commitment [Line Items]
Contractual obligation	86,306	80,060
Commercial letters of credit
Long-Term Purchase Commitment [Line Items]
Contractual obligation	565	2,703
Credit derivatives
Long-Term Purchase Commitment [Line Items]
Contractual obligation	$ 22,391	$ 19,224

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	$ 3,783,977	$ 3,110,661
Other comprehensive (loss) income before reclassifications	(48,817)	64,418
Reclassification adjustment for net losses on AFS securities included in net income	0	0
Current period other comprehensive (loss) income, before tax	(48,817)	64,418
Income tax benefit (expense)	11,638	(15,358)
Total other comprehensive (loss) income	(37,179)	49,060
Ending balance	3,798,326	3,243,627
Total
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(16,872)	(139,925)
Total other comprehensive (loss) income	(37,179)	49,060
Ending balance	(54,051)	(90,865)
Unrealized gains/losses on AFS securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(36,108)	(145,589)
Other comprehensive (loss) income before reclassifications	(50,155)	59,931
Reclassification adjustment for net losses on AFS securities included in net income	0	0
Current period other comprehensive (loss) income, before tax	(50,155)	59,931
Income tax benefit (expense)	11,957	(14,288)
Total other comprehensive (loss) income	(38,198)	45,643
Ending balance	(74,306)	(99,946)
Pension plan
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	19,236	5,664
Other comprehensive (loss) income before reclassifications	1,338	4,487
Reclassification adjustment for net losses on AFS securities included in net income	0	0
Current period other comprehensive (loss) income, before tax	1,338	4,487
Income tax benefit (expense)	(319)	(1,070)
Total other comprehensive (loss) income	1,019	3,417
Ending balance	$ 20,255	$ 9,081

Investment Securities (Tables)

3 Months Ended

Mar. 31, 2026

Investments, Debt and Equity Securities [Abstract]

Equity Securities without Readily Determinable Fair Value


	March 31, 2026		December 31, 2025
	(dollars in thousands)

Federal Home Loan Bank stock	$	10,604	$	10,634
Federal Reserve Bank stock	26,057		26,057
Other - no readily determinable fair value	11,513		11,510
Total	$	48,174	$	48,200

Schedule of Unrealized Gain (Loss) on Investments


	As of March 31, 2026
	Amortized Cost		Gross Unrealized Gain		Gross Unrealized Loss		Fair Value		Allowance for Credit Losses		Net Carrying Amount
	(dollars in thousands)
Available for sale:
U.S. Treasury securities	$	1,096,080	$	4,164	$	(2,936)	$	1,097,308	$	-	$	1,097,308
U.S. agency debentures	128,157		16		(505)		127,668		-		127,668
U.S. agency mortgage-backed securities	5,594,209		19,838		(118,082)		5,495,965		-		5,495,965
Obligations of states and political subdivisions	15,889		55		(52)		15,892		-		15,892
Other securities	4,804		2		(66)		4,740		-		4,740
Total	$	6,839,139	$	24,075	$	(121,641)	$	6,741,573	$	-	$	6,741,573

Held to maturity:
U.S. agency RMBS	$	20	$	1	$	-	$	21	$	-	$	21
Obligations of states and political subdivisions	1,518		-		-		1,518		(10)		1,508
Total	$	1,538	$	1	$	-	$	1,539	$	(10)	$	1,529


	As of December 31, 2025
	Amortized Cost		Gross Unrealized Gain		Gross Unrealized Loss		Fair Value		Allowance for Credit Losses		Net Carrying Amount
	(dollars in thousands)
Available for sale:
U.S. Treasury securities	$	918,922	$	10,561	$	(1,196)	$	928,287	$	-	$	928,287
U.S. agency debentures	132,692		177		(413)		132,456		-		132,456
U.S. agency mortgage-backed securities	5,345,130		46,346		(102,899)		5,288,577		-		5,288,577
Obligations of states and political subdivisions	16,595		87		(38)		16,644		-		16,644
Other securities	6,535		-		(36)		6,499		-		6,499
Total	$	6,419,874	$	57,171	$	(104,582)	$	6,372,463	$	-	$	6,372,463

Held to maturity:
U.S. agency RMBS	$	21	$	1	$	-	$	22	$	-	$	22
Obligations of states and political subdivisions	1,678		-		-		1,678		(10)		1,668
Total	$	1,699	$	1	$	-	$	1,700	$	(10)	$	1,690

Schedule of Fair Value of Available for Sale Securities by Contractual Maturities

The amortized cost and fair value of AFS and HTM securities at March 31, 2026, by contractual maturity, are shown below:


	March 31, 2026
	U.S. government obligations and government- sponsored enterprises						Obligations of states and political subdivisions						Other securities*
	Amortized cost		FTE Yield		Fair value		Amortized cost		FTE Yield		Fair value		Amortized cost		FTE Yield		Fair value
	(dollars in thousands)
Available for sale:
Within 1 year	$	191,070	2.94	%	$	190,109	$	4,743	4.65	%	$	4,773	$	-	-	%	$	-
After 1 but within 5 years	1,033,167		4.20	%	1,034,866		10,744		4.25	%	10,721		-		-		-
After 5 but within 10 years	-		-		-		-		-		-		-		-		-
After 10 years	-		-		-		402		7.91	%	398		-		-		-
Mortgage - and asset-backed securities	5,594,209		4.02	%	5,495,966		-		-		-		4,804		4.77	%	4,740
Total	$	6,818,446	4.01	%	$	6,720,941	$	15,889	4.46	%	$	15,892	$	4,804	4.77	%	$	4,740

Held to maturity:
Within 1 year	$	-	-	%	$	-	$	295	5.04	%	$	295	$	-	-	%	$	-
After 1 but within 5 years	-		-		-		1,223		2.28	%	1,223		-		-		-
After 5 but within 10 years	-		-		-		-		-		-		-		-		-
After 10 years	-		-		-		-		-		-		-		-		-
Mortgage - and asset-backed securities	20		6.11	%	21		-		-		-		-		-		-
Total	$	20	6.11	%	$	21	$	1,518	2.82	%	$	1,518	$	-	-	%	$	-
* Other securities consist primarily of corporate bonds.

Schedule of Unrealized Loss on Available-for-Sale

At March 31, 2026 management does not intend to sell the securities, nor is it anticipated that it would be required to sell the securities prior to the anticipated recovery.


	As of March 31, 2026
	Less than 12 months				12 months or more				Total
	Fair value		Unrealized losses		Fair value		Unrealized losses		Fair value		Unrealized losses
	(dollars in thousands)
Available for sale:
U.S. government obligations and government- sponsored enterprises	$	2,083,763	$	(15,229)	$	1,401,353	$	(106,293)	$	3,485,116	$	(121,522)
Obligations of states and political subdivisions	475		-		6,229		(52)		6,704		(52)
Other securities	-		-		3,421		(66)		3,421		(66)
Total	$	2,084,238	$	(15,229)	$	1,411,003	$	(106,411)	$	3,495,241	$	(121,640)


	As of December 31, 2025
	Less than 12 months				12 months or more				Total
	Fair value		Unrealized Losses		Fair value		Unrealized losses		Fair value		Unrealized losses
	(dollars in thousands)
Available for sale:
U.S. government obligations and government- sponsored enterprises	$	419,704	$	(1,190)	$	1,469,113	$	(103,318)	$	1,888,817	$	(104,508)
Obligations of states and political subdivisions	-		-		7,204		(38)		7,204		(38)
Other securities	-		-		3,557		(36)		3,557		(36)
Total	$	419,704	$	(1,190)	$	1,479,874	$	(103,392)	$	1,899,578	$	(104,582)

Schedule of Unrealized Loss on Held-to-Maturity


	As of March 31, 2026
	Less than 12 months				12 months or more				Total
	Fair value		Unrealized losses		Fair value		Unrealized losses		Fair value		Unrealized losses
	(dollars in thousands)
Held to maturity:
U.S. government obligations and government- sponsored enterprises	$	-	$	-	$	-	$	-	$	-	$	-
Obligations of states and political subdivisions	515		-		-		-		515		-
Total	$	515	$	-	$	-	$	-	$	515	$	-


	As of December 31, 2025
	Less than 12 months				12 months or more				Total
	Fair value		Unrealized losses		Fair value		Unrealized losses		Fair value		Unrealized losses
	(dollars in thousands)
Held to maturity:
U.S. government obligations and government- sponsored enterprises	$	-	$	-	$	-	$	-	$	-	$	-
Obligations of states and political subdivisions	450		-		-		-		450		-
Total	$	450	$	-	$	-	$	-	$	450	$	-

Schedule of Amortized Cost Basis by Credit Rating of Held to Maturity Investment

The following table shows the amortized cost basis by credit rating of the Company's HTM obligations of states and political subdivisions at March 31, 2026 and December 31, 2025.


	March 31, 2026
	Amortized Cost Basis by Credit Rating - HTM Debt Securities
	Non-Rated		A		AA		AAA		Total
Held to maturity securities:	(dollars in thousands)
State and political subdivisions	$	246	$	-	$	977	$	295	$	1,518

	December 31, 2025
	Amortized Cost Basis by Credit Rating - HTM Debt Securities
	Non-Rated		A		AA		AAA		Total
Held to maturity securities:	(dollars in thousands)
State and political subdivisions	$	251	$	-	$	1,132	$	295	$	1,678

- Definition

Tabular disclosure of information about investment in debt security measured at amortized cost (held-to-maturity).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (aaa)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (f)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (f)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (f)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (f)(4)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5A

Reference 13: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5A
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5A

Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5A
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5A

Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5B
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

Reference 16: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5B
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

Reference 17: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5B
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5B
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

+ Details

Investment Securities - Schedule of Fair Value of Available for Sale Securities by Contractual Maturities (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Securities available for sale:
Fair Value	$ 6,741,573	$ 6,372,463
Securities held to maturity:
Amortized cost	1,528	1,689
Fair Value	1,539	1,700
U.S. government obligations and government- sponsored enterprises
Securities available for sale:
1 year or less, amortized cost	$ 191,070
1 year or less, yield (as percent)	2.94%
Due in one year or less, fair value	$ 190,109
After 1 but within 5 years, amortized cost	$ 1,033,167
After 1 but within 5 years, yield (as percent)	4.20%
Due after one year to five years, fair value	$ 1,034,866
After 5 years but within 10 years, amortized cost	$ 0
After 5 years but within 10 years, yield (as percent)	0.00%
Due after five to ten years, fair value	$ 0
After 10 years, amortized cost	$ 0
After 10 years, yield (as percent)	0.00%
Due after ten years, fair value	$ 0
Indeterminate maturity, amortized cost	$ 5,594,209
Indeterminate maturity, yield (as percent)	4.02%
Indeterminate maturity, fair value	$ 5,495,966
FTE Yield	4.01%
Amortized cost	$ 6,818,446
Fair Value	6,720,941
Securities held to maturity:
1 year or less, amortized cost	$ 0
1 year or less, yield (as percent)	0.00%
Due in one year or less, fair value	$ 0
After 1 but within 5 years, amortized cost	$ 0
After 1 but within 5 years, yield (as percent)	0.00%
Due after one year to five years, fair value	$ 0
After 5 years but within 10 years, amortized cost	$ 0
After 5 years but within 10 years, yield (as percent)	0.00%
Due after five to ten years, fair value	$ 0
After 10 years, amortized cost	$ 0
After 10 years, yield (as percent)	0.00%
Due after ten years, fair value	$ 0
Indeterminate maturity, amortized cost	$ 20
Indeterminate maturity, yield (as a percent)	6.11%
Indeterminate maturity, fair value	$ 21
Amortized cost	$ 20
FTE Yield	6.11%
Fair Value	$ 21
Obligations of states and political subdivisions
Securities available for sale:
1 year or less, amortized cost	$ 4,743
1 year or less, yield (as percent)	4.65%
Due in one year or less, fair value	$ 4,773
After 1 but within 5 years, amortized cost	$ 10,744
After 1 but within 5 years, yield (as percent)	4.25%
Due after one year to five years, fair value	$ 10,721
After 5 years but within 10 years, amortized cost	$ 0
After 5 years but within 10 years, yield (as percent)	0.00%
Due after five to ten years, fair value	$ 0
After 10 years, amortized cost	$ 402
After 10 years, yield (as percent)	7.91%
Due after ten years, fair value	$ 398
Indeterminate maturity, amortized cost	$ 0
Indeterminate maturity, yield (as percent)	0.00%
Indeterminate maturity, fair value	$ 0
FTE Yield	4.46%
Amortized cost	$ 15,889
Fair Value	15,892	16,644
Securities held to maturity:
1 year or less, amortized cost	$ 295
1 year or less, yield (as percent)	5.04%
Due in one year or less, fair value	$ 295
After 1 but within 5 years, amortized cost	$ 1,223
After 1 but within 5 years, yield (as percent)	2.28%
Due after one year to five years, fair value	$ 1,223
After 5 years but within 10 years, amortized cost	$ 0
After 5 years but within 10 years, yield (as percent)	0.00%
Due after five to ten years, fair value	$ 0
After 10 years, amortized cost	$ 0
After 10 years, yield (as percent)	0.00%
Due after ten years, fair value	$ 0
Indeterminate maturity, amortized cost	$ 0
Indeterminate maturity, yield (as a percent)	0.00%
Indeterminate maturity, fair value	$ 0
Amortized cost	$ 1,518	1,678
FTE Yield	2.82%
Fair Value	$ 1,518	1,678
Other securities
Securities available for sale:
1 year or less, amortized cost	$ 0
1 year or less, yield (as percent)	0.00%
Due in one year or less, fair value	$ 0
After 1 but within 5 years, amortized cost	$ 0
After 1 but within 5 years, yield (as percent)	0.00%
Due after one year to five years, fair value	$ 0
After 5 years but within 10 years, amortized cost	$ 0
After 5 years but within 10 years, yield (as percent)	0.00%
Due after five to ten years, fair value	$ 0
After 10 years, amortized cost	$ 0
After 10 years, yield (as percent)	0.00%
Due after ten years, fair value	$ 0
Indeterminate maturity, amortized cost	$ 4,804
Indeterminate maturity, yield (as percent)	4.77%
Indeterminate maturity, fair value	$ 4,740
FTE Yield	4.77%
Amortized cost	$ 4,804
Fair Value	4,740	$ 6,499
Securities held to maturity:
1 year or less, amortized cost	$ 0
1 year or less, yield (as percent)	0.00%
Due in one year or less, fair value	$ 0
After 1 but within 5 years, amortized cost	$ 0
After 1 but within 5 years, yield (as percent)	0.00%
Due after one year to five years, fair value	$ 0
After 5 years but within 10 years, amortized cost	$ 0
After 5 years but within 10 years, yield (as percent)	0.00%
Due after five to ten years, fair value	$ 0
After 10 years, amortized cost	$ 0
After 10 years, yield (as percent)	0.00%
Due after ten years, fair value	$ 0
Indeterminate maturity, amortized cost	$ 0
Indeterminate maturity, yield (as a percent)	0.00%
Indeterminate maturity, fair value	$ 0
Amortized cost	$ 0
FTE Yield	0.00%
Fair Value	$ 0

Fair Value Disclosures - Schedule of Assets Measured at Fair Value on a Nonrecurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025	Mar. 31, 2025
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Collateral dependent loans	$ 11,541,912	$ 11,444,216
Fair Value, Nonrecurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Collateral dependent loans	24,996		$ 23,868
Mortgage servicing rights	61,916		62,757
Total assets	86,912		86,625
Fair Value, Nonrecurring \| Level 1
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Collateral dependent loans	0		0
Mortgage servicing rights	0		0
Total assets	0		0
Fair Value, Nonrecurring \| Level 2
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Collateral dependent loans	0		0
Mortgage servicing rights	0		0
Total assets	0		0
Fair Value, Nonrecurring \| Level 3
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Collateral dependent loans	24,996		23,868
Mortgage servicing rights	61,916		62,757
Total assets	$ 86,912		$ 86,625

- Definition

Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-10

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-2

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-2

+ Details

Loans and Allowance for Credit Losses - Schedule of Amortized Cost Basis of Collateral-Dependent Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	$ 11,541,912	$ 11,444,216
Construction and development
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	512,681	570,749
Commercial, financial & agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	1,740,689	1,761,287
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	4,850,469	4,730,529
Commercial real estate \| Non-owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	3,267,008	3,150,269
Commercial real estate \| Owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	1,583,461	1,580,260
Residential real estate \| Residential mortgage loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	3,423,146	3,321,101
Residential real estate \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	422,737	410,845
Consumer \| Consumer credit card
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	93,171	98,310
Consumer \| Other consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	499,019	551,395
Total
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	24,996	20,628
Total \| Construction and development
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	2,099	2,530
Total \| Commercial, financial & agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	8,975	4,404
Total \| Commercial real estate \| Non-owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	9,429	9,029
Total \| Commercial real estate \| Owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	4,030	4,049
Total \| Commercial real estate \| Residential mortgage loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans		616
Total \| Residential real estate \| Residential mortgage loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	424
Total \| Residential real estate \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	39	0
Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	16,021	16,224
Real Estate \| Construction and development
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	2,099	2,530
Real Estate \| Commercial, financial & agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	0	0
Real Estate \| Commercial real estate \| Non-owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	9,429	9,029
Real Estate \| Commercial real estate \| Owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	4,030	4,049
Real Estate \| Commercial real estate \| Residential mortgage loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans		616
Real Estate \| Residential real estate \| Residential mortgage loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	424
Real Estate \| Residential real estate \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	39	0
Business Assets
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	8,975	4,404
Business Assets \| Construction and development
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	0	0
Business Assets \| Commercial, financial & agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	8,975	4,404
Business Assets \| Commercial real estate \| Non-owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	0	0
Business Assets \| Commercial real estate \| Owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	0	0
Business Assets \| Commercial real estate \| Residential mortgage loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans		0
Business Assets \| Residential real estate \| Residential mortgage loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	0
Business Assets \| Residential real estate \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	$ 0	$ 0

Commitments, Contingencies, and Guarantees

3 Months Ended

Mar. 31, 2026

Commitments and Contingencies Disclosure [Abstract]

Commitments, Contingencies, and Guarantees

In the normal course of business, in order to meet the needs of customers, the Company is subject to off-balance sheet risk which could potentially impact its financial position. These off-balance sheet arrangements include commitments to fund loans and standby letters of credit.

The Company has outstanding commitments to provide loans to, and letters of credit on behalf of customers. Loan commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.

Letters of credit are commitments issued by the Company to guarantee the performance of a customer to a third party. The credit risk involved in issuing letters of credit is essentially the same as is involved in extending loan facilities to customers.

In addition, the Company may enter into interest rate swap risk participation agreements when certain clients are engaged in interest rate hedging activities in a syndicated loan or a loan in which we are a participant. This is represented as Credit Derivatives in the table below and is the only Credit Derivative activity in which the Company currently participates. Under these agreements, the Company assumes a portion of the counterparty credit risk associated with a client's interest rate swap transaction with a third-party financial institution, for which the Company receives a fee. If the client fails to meet its payment obligations under the swap, the Company may be required to fulfill those obligations up to its participation level.

The Company evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary, by the Company upon extension of credit is based on management's credit evaluation of the customer. Collateral held varies, but may include accounts receivable, inventory, property, plant, equipment, and income-producing commercial properties. The Company's banking primary markets are located within the states of Missouri, Kansas, Oklahoma, and Colorado and the Company's loan portfolio has no unusual geographic concentrations of credit risk beyond its market areas.

Such commitments and conditional obligations were as follows as of the dates presented.


	Contractual Amount
	March 31, 2026		December 31, 2025
	(dollars in thousands)
Off Balance Sheet Commitments
Loan Commitments	$	2,960,160	$	2,952,732
Standby Letters of Credit	86,306		80,060
Commercial Letters of Credit	565		2,703
Credit Derivatives	22,391		19,224

The Company and its subsidiaries are defendants in various claims, legal actions, and complaints arising in the ordinary course of business. The Company records losses when information related to the loss contingencies represented by those matters indicates both that a loss is probable and that the amount of loss can be reasonably estimated. Any such accruals are adjusted thereafter as appropriate to reflect changes in circumstances. Due to the inherent subjectivity of assessments and unpredictability of outcomes of legal proceedings, any amounts accrued may not represent the ultimate loss to the Company from legal proceedings.

Loans and Allowance for Credit Losses - Narrative (Details)	3 Months Ended		12 Months Ended
	Mar. 31, 2026 USD ($)	Mar. 31, 2025 USD ($)	Dec. 31, 2025 USD ($)
Certain Loans Acquired in Transfer Accounted for as Debt Securities Accretable Yield Movement Schedule [Line Items]
Accrued interest receivable	$ 46,500,000		$ 45,900,000
Loans acquired	0		0
Loans held for investment	$ 11,532,570,000		$ 11,434,605,000
Nonaccrual	51,364,000		44,663,000
Non-accrual business loans, no allowance	15,200,000		16,900,000
Interest income	200,000	$ 300,000
Commitment to lend	1,200,000		$ 600,000
Related Party
Certain Loans Acquired in Transfer Accounted for as Debt Securities Accretable Yield Movement Schedule [Line Items]
Loans held for investment	$ 305,700,000

Stock-Based Compensation - Schedule of Nonvested Restricted Stock Shares (Details) - Restricted Stock	3 Months Ended
	Mar. 31, 2026 $ / shares shares
Shares
Beginning balance (in shares) \| shares	602,300
Granted (in shares) \| shares	245,953
Vested (in shares) \| shares	(171,600)
Forfeited (in shares) \| shares	(2,700)
Ending balance (in shares) \| shares	673,953
Weighted average grant date fair value
Beginning balance (in USD per share) \| $ / shares	$ 13.31
Granted, weighted average grant date fair value ($ per share) \| $ / shares	24.56
Vested, weighted average grant date fair value ($ per share) \| $ / shares	13.28
Forfeited, weighted average grant date fair value ($ per share) \| $ / shares	13.28
Ending balance (in USD per share) \| $ / shares	$ 17.43

Mortgage Banking Activities - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Transfers and Servicing [Abstract]
Proceeds from sale of mortgage servicing rights	$ 105,700	$ 71,100
Loans serviced for investors	4,600,000	$ 4,700,000
Valuation allowance	$ 0		$ 0

Goodwill and Intangible Assets - Schedule of Intangible Assets and Goodwill (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Amortizable intangible assets:
Gross carrying amount	$ 26,598	$ 26,598
Accumulated amortization	(23,976)	(23,170)
Net amount	2,622	3,427
Goodwill:
Gross carrying amount	348,237	348,237
Accumulated amortization	0	0
Net amount	348,237	348,237
Commercial
Goodwill:
Gross carrying amount	210,331	210,331
Accumulated amortization	0	0
Net amount	210,331	210,331
Consumer
Goodwill:
Gross carrying amount	126,095	126,095
Accumulated amortization	0	0
Net amount	126,095	126,095
Wealth segment
Goodwill:
Gross carrying amount	11,811	11,811
Accumulated amortization	0	0
Net amount	11,811	11,811
Core deposit intangible assets
Amortizable intangible assets:
Gross carrying amount	20,498	20,498
Accumulated amortization	(19,036)	(18,304)
Net amount	1,462	2,194
Trust customer intangible asset
Amortizable intangible assets:
Gross carrying amount	6,100	6,100
Accumulated amortization	(4,940)	(4,866)
Net amount	$ 1,160	$ 1,233

Earnings Per Common Share

3 Months Ended

Mar. 31, 2026

Earnings Per Share [Abstract]

Earnings Per Common Share

Basic earnings per common share is calculated by dividing net income by the weighted average number of common shares outstanding during the period presented, excluding nonvested restricted stock. Diluted earnings per common share is calculated by dividing net income by the weighted average number of common shares determined for the basic earnings per share computation plus the dilutive effects of stock-based compensation.

The income per share attributable to common stock for the three months ended March 31, 2026 and March 31, 2025 is shown in the following table.


	For the Three Months Ended March 31,
	2026		2025
	(dollars in thousands, except in per share data)
Basic income per share:
Net income attributable to Central Bancompany, Inc.	$	111,088	$	94,798
Less: Dividends declared on forfeitable nonvested restricted stock	72		27
Net income allocated to common stock	$	111,016	$	94,771
Weighted average common shares outstanding	240,315		219,947
Basic income per common share	$	0.46	$	0.43
Diluted income per common share:
Net income attributable to Central Bancompany, Inc.	$	111,088	$	94,798
Less: Dividends declared on forfeitable nonvested restricted stock	72		27
Net income allocated to common stock	$	111,016	$	94,771
Weighted average diluted common shares outstanding	240,637		219,947
Diluted income per common share:	$	0.46	$	0.43

Cover - shares	3 Months Ended
Cover - shares	Mar. 31, 2026	May 10, 2026
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2026
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	001-42965
Entity Registrant Name	Central Bancompany, Inc.
Entity Incorporation, State or Country Code	MO
Entity Tax Identification Number	43-0959114
Entity Address, Address Line One	238 Madison Street
Entity Address, City or Town	Jefferson City
Entity Address, State or Province	MO
Entity Address, Postal Zip Code	65101
City Area Code	573
Local Phone Number	634-1111
Title of 12(b) Security	Class A common stock, par value $0.01 per share
Trading Symbol	CBC
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	true
Entity Ex Transition Period	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		239,768,162
Central Index Key	0002065601
Amendment Flag	false
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2026

Loans and Allowance for Credit Losses - Schedule of Risk Category Of Loans In The Portfolio (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	$ 585,026		$ 2,227,867
Fiscal year before current fiscal year	2,167,759		1,515,960
Two years before current fiscal year	1,411,735		1,123,960
Three years before current fiscal year	1,051,596		1,669,056
Four years before current fiscal year	1,604,207		1,259,295
Prior	3,450,425		2,399,670
Revolving loans amortized cost basis	1,271,164		1,248,408
Total	11,541,912		11,444,216
Gross write-offs for the year ended December 31, 2025
Current fiscal year	462		4,853
Fiscal year before current fiscal year	820		1,589
Two years before current fiscal year	507		3,341
Three years before current fiscal year	836		3,478
Four years before current fiscal year	574		1,476
Prior	682		2,788
Revolving loans amortized cost basis	1,617		3,671
Total	5,498	$ 5,627	21,196
Current or less than 30 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	11,445,545		11,363,135
30 - 89 Days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	44,292		35,075
Construction and development
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	21,826		165,978
Fiscal year before current fiscal year	167,507		207,556
Two years before current fiscal year	169,495		32,976
Three years before current fiscal year	17,905		77,104
Four years before current fiscal year	65,685		36,631
Prior	33,193		17,936
Revolving loans amortized cost basis	37,070		32,568
Total	512,681		570,749
Gross write-offs for the year ended December 31, 2025
Current fiscal year	0		0
Fiscal year before current fiscal year	0		0
Two years before current fiscal year	0		0
Three years before current fiscal year	0		0
Four years before current fiscal year	0		0
Prior	0		14
Revolving loans amortized cost basis	0		0
Total	0	0	14
Construction and development \| Current or less than 30 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	512,330		570,668
Construction and development \| 30 - 89 Days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	274		0
Construction and development \| Pass
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	21,826		165,449
Fiscal year before current fiscal year	165,052		207,312
Two years before current fiscal year	166,525		27,395
Three years before current fiscal year	17,905		71,348
Four years before current fiscal year	59,312		36,631
Prior	32,641		17,334
Revolving loans amortized cost basis	37,070		32,568
Total	500,331		558,037
Construction and development \| Watch
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		529
Fiscal year before current fiscal year	542		244
Two years before current fiscal year	358		1,486
Three years before current fiscal year	0		3,490
Four years before current fiscal year	4,109		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Total	5,009		5,749
Construction and development \| Substandard
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		0
Fiscal year before current fiscal year	1,913		0
Two years before current fiscal year	2,612		4,095
Three years before current fiscal year	0		2,266
Four years before current fiscal year	2,264		0
Prior	475		521
Revolving loans amortized cost basis	0		0
Total	7,264		6,882
Construction and development \| Non-accrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		0
Fiscal year before current fiscal year	0		0
Two years before current fiscal year	0		0
Three years before current fiscal year	0		0
Four years before current fiscal year	0		0
Prior	77		81
Revolving loans amortized cost basis	0		0
Total	77		81
Commercial, financial & agricultural
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	109,223		387,544
Fiscal year before current fiscal year	346,695		259,890
Two years before current fiscal year	236,286		151,320
Three years before current fiscal year	138,552		159,081
Four years before current fiscal year	142,718		102,178
Prior	295,641		223,609
Revolving loans amortized cost basis	471,574		477,665
Total	1,740,689		1,761,287
Gross write-offs for the year ended December 31, 2025
Current fiscal year	17		1,393
Fiscal year before current fiscal year	550		358
Two years before current fiscal year	275		1,148
Three years before current fiscal year	173		824
Four years before current fiscal year			100
Four years before current fiscal year	(1)
Prior	334		746
Revolving loans amortized cost basis	496		180
Total	1,844	786	4,749
Commercial, financial & agricultural \| Current or less than 30 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	1,726,479		1,751,575
Commercial, financial & agricultural \| 30 - 89 Days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	3,890		4,097
Commercial, financial & agricultural \| Pass
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	108,245		383,642
Fiscal year before current fiscal year	344,881		257,121
Two years before current fiscal year	233,866		147,877
Three years before current fiscal year	135,276		154,197
Four years before current fiscal year	138,574		94,111
Prior	277,179		211,879
Revolving loans amortized cost basis	469,569		475,596
Total	1,707,590		1,724,423
Commercial, financial & agricultural \| Watch
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	769		1,883
Fiscal year before current fiscal year	433		1,294
Two years before current fiscal year	1,318		891
Three years before current fiscal year	684		652
Four years before current fiscal year	444		98
Prior	5,466		204
Revolving loans amortized cost basis	1,082		1,082
Total	10,196		6,104
Commercial, financial & agricultural \| Substandard
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	209		1,981
Fiscal year before current fiscal year	1,167		1,428
Two years before current fiscal year	911		1,113
Three years before current fiscal year	1,178		1,242
Four years before current fiscal year	534		7,922
Prior	8,306		11,211
Revolving loans amortized cost basis	316		282
Total	12,621		25,179
Commercial, financial & agricultural \| Non-accrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		38
Fiscal year before current fiscal year	214		47
Two years before current fiscal year	191		1,439
Three years before current fiscal year	1,414		2,990
Four years before current fiscal year	3,166		47
Prior	4,690		315
Revolving loans amortized cost basis	607		705
Total	10,282		5,581
Commercial real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	4,850,469		4,730,529
Commercial real estate \| Current or less than 30 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	4,825,768		4,713,127
Commercial real estate \| 30 - 89 Days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	12,027		5,853
Commercial real estate \| Non-owner occupied CRE
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	104,465		417,956
Fiscal year before current fiscal year	425,676		258,746
Two years before current fiscal year	288,661		270,672
Three years before current fiscal year	276,542		608,320
Four years before current fiscal year	610,447		431,346
Prior	1,515,918		1,129,297
Revolving loans amortized cost basis	45,299		33,932
Total	3,267,008		3,150,269
Gross write-offs for the year ended December 31, 2025
Current fiscal year	0		0
Fiscal year before current fiscal year	0		0
Two years before current fiscal year	0		0
Three years before current fiscal year	0		0
Four years before current fiscal year	0		0
Prior	0		816
Revolving loans amortized cost basis	0		0
Total	0	816	816
Commercial real estate \| Non-owner occupied CRE \| Current or less than 30 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	3,249,170		3,137,206
Commercial real estate \| Non-owner occupied CRE \| 30 - 89 Days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	8,430		4,056
Commercial real estate \| Non-owner occupied CRE \| Pass
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	104,465		417,956
Fiscal year before current fiscal year	422,725		257,298
Two years before current fiscal year	287,221		270,435
Three years before current fiscal year	269,844		572,181
Four years before current fiscal year	560,914		421,783
Prior	1,434,450		1,063,545
Revolving loans amortized cost basis	44,740		33,545
Total	3,124,359		3,036,743
Commercial real estate \| Non-owner occupied CRE \| Watch
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		0
Fiscal year before current fiscal year	2,951		527
Two years before current fiscal year	524		237
Three years before current fiscal year	1,712		6,487
Four years before current fiscal year	19,493		0
Prior	56,022		49,660
Revolving loans amortized cost basis	559		387
Total	81,261		57,298
Commercial real estate \| Non-owner occupied CRE \| Substandard
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		0
Fiscal year before current fiscal year	0		921
Two years before current fiscal year	916		0
Three years before current fiscal year	4,986		23,488
Four years before current fiscal year	23,475		9,538
Prior	22,603		13,274
Revolving loans amortized cost basis	0		0
Total	51,980		47,221
Commercial real estate \| Non-owner occupied CRE \| Non-accrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		0
Fiscal year before current fiscal year	0		0
Two years before current fiscal year	0		0
Three years before current fiscal year	0		6,164
Four years before current fiscal year	6,565		25
Prior	2,843		2,818
Revolving loans amortized cost basis	0		0
Total	9,408		9,007
Commercial real estate \| Owner occupied CRE
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	59,409		232,776
Fiscal year before current fiscal year	245,268		135,662
Two years before current fiscal year	132,781		118,510
Three years before current fiscal year	115,331		192,448
Four years before current fiscal year	186,367		242,217
Prior	728,091		543,898
Revolving loans amortized cost basis	116,214		114,749
Total	1,583,461		1,580,260
Gross write-offs for the year ended December 31, 2025
Current fiscal year	48		0
Fiscal year before current fiscal year	0		0
Two years before current fiscal year	0		0
Three years before current fiscal year	0		384
Four years before current fiscal year	0		0
Prior	55		0
Revolving loans amortized cost basis	0		0
Total	103	0	384
Commercial real estate \| Owner occupied CRE \| Current or less than 30 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	1,576,598		1,575,921
Commercial real estate \| Owner occupied CRE \| 30 - 89 Days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	3,597		1,797
Commercial real estate \| Owner occupied CRE \| Pass
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	58,043		231,225
Fiscal year before current fiscal year	244,856		132,459
Two years before current fiscal year	129,615		110,736
Three years before current fiscal year	108,991		173,201
Four years before current fiscal year	168,594		235,419
Prior	700,161		517,212
Revolving loans amortized cost basis	113,689		111,649
Total	1,523,949		1,511,901
Commercial real estate \| Owner occupied CRE \| Watch
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	391		1,133
Fiscal year before current fiscal year	0		1,154
Two years before current fiscal year	1,136		4,080
Three years before current fiscal year	2,577		3,006
Four years before current fiscal year	2,863		5,634
Prior	16,830		16,519
Revolving loans amortized cost basis	979		1,229
Total	24,776		32,755
Commercial real estate \| Owner occupied CRE \| Substandard
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	975		418
Fiscal year before current fiscal year	412		2,050
Two years before current fiscal year	2,030		3,623
Three years before current fiscal year	3,623		15,059
Four years before current fiscal year	13,783		904
Prior	9,101		9,137
Revolving loans amortized cost basis	1,546		1,871
Total	31,470		33,062
Commercial real estate \| Owner occupied CRE \| Non-accrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		0
Fiscal year before current fiscal year	0		0
Two years before current fiscal year	0		72
Three years before current fiscal year	140		1,182
Four years before current fiscal year	1,127		259
Prior	1,999		1,029
Revolving loans amortized cost basis	0		0
Total	3,266		2,542
Residential real estate \| Residential mortgage loans
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	261,883		913,162
Fiscal year before current fiscal year	886,747		548,959
Two years before current fiscal year	492,206		437,727
Three years before current fiscal year	404,839		532,878
Four years before current fiscal year	514,481		398,365
Prior	801,400		444,169
Revolving loans amortized cost basis	61,590		45,841
Total	3,423,146		3,321,101
Gross write-offs for the year ended December 31, 2025
Current fiscal year	83		263
Fiscal year before current fiscal year	0		30
Two years before current fiscal year	0		189
Three years before current fiscal year	0		158
Four years before current fiscal year	0		91
Prior	0		0
Revolving loans amortized cost basis	0		0
Total	83	169	731
Residential real estate \| Residential mortgage loans \| Current or less than 30 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	3,380,559		3,283,403
Residential real estate \| Residential mortgage loans \| 30 - 89 Days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	18,047		12,943
Residential real estate \| Residential mortgage loans \| Non-accrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		510
Fiscal year before current fiscal year	508		4,328
Two years before current fiscal year	6,071		8,425
Three years before current fiscal year	8,338		3,002
Four years before current fiscal year	2,996		4,121
Prior	6,422		3,507
Revolving loans amortized cost basis	0		0
Total	24,335		23,893
Residential real estate \| Residential mortgage loans \| Accrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	261,883		912,652
Fiscal year before current fiscal year	886,239		544,631
Two years before current fiscal year	486,135		429,302
Three years before current fiscal year	396,501		529,876
Four years before current fiscal year	511,485		394,244
Prior	794,978		440,662
Revolving loans amortized cost basis	61,590		45,841
Total	3,398,811		3,297,208
Residential real estate \| Home equity lines of credit
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	376		1,061
Fiscal year before current fiscal year	323		16
Two years before current fiscal year	411		598
Three years before current fiscal year	21		99
Four years before current fiscal year	97		249
Prior	2,882		2,707
Revolving loans amortized cost basis	418,627		406,115
Total	422,737		410,845
Gross write-offs for the year ended December 31, 2025
Current fiscal year	14		25
Fiscal year before current fiscal year	0		0
Two years before current fiscal year	0		0
Three years before current fiscal year	0		0
Four years before current fiscal year	0		0
Prior	0		0
Revolving loans amortized cost basis	0		39
Total	14	0	64
Residential real estate \| Home equity lines of credit \| Current or less than 30 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	420,147		408,114
Residential real estate \| Home equity lines of credit \| 30 - 89 Days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	1,228		1,361
Residential real estate \| Home equity lines of credit \| Non-accrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		0
Fiscal year before current fiscal year	0		0
Two years before current fiscal year	0		0
Three years before current fiscal year	0		0
Four years before current fiscal year	0		0
Prior	0		0
Revolving loans amortized cost basis	1,237		1,203
Total	1,237		1,203
Residential real estate \| Home equity lines of credit \| Accrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	376		1,061
Fiscal year before current fiscal year	323		16
Two years before current fiscal year	411		598
Three years before current fiscal year	21		99
Four years before current fiscal year	97		249
Prior	2,882		2,707
Revolving loans amortized cost basis	417,390		404,912
Total	421,500		409,642
Consumer \| Consumer credit card
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		0
Fiscal year before current fiscal year	0		0
Two years before current fiscal year	0		0
Three years before current fiscal year	0		0
Four years before current fiscal year	0		0
Prior	0		0
Revolving loans amortized cost basis	93,171		98,310
Total	93,171		98,310
Gross write-offs for the year ended December 31, 2025
Current fiscal year	0		0
Fiscal year before current fiscal year	0		0
Two years before current fiscal year	0		0
Three years before current fiscal year	0		0
Four years before current fiscal year	0		0
Prior	0		0
Revolving loans amortized cost basis	1,121		3,452
Total	1,121	834	3,452
Consumer \| Consumer credit card \| Current or less than 30 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		0
Fiscal year before current fiscal year	0		0
Two years before current fiscal year	0		0
Three years before current fiscal year	0		0
Four years before current fiscal year	0		0
Prior	0		0
Revolving loans amortized cost basis	91,960		96,988
Total	91,960		96,988
Consumer \| Consumer credit card \| 30 - 89 Days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		0
Fiscal year before current fiscal year	0		0
Two years before current fiscal year	0		0
Three years before current fiscal year	0		0
Four years before current fiscal year	0		0
Prior	0		0
Revolving loans amortized cost basis	868		1,042
Total	868		1,042
Consumer \| Consumer credit card \| 90+days
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		0
Fiscal year before current fiscal year	0		0
Two years before current fiscal year	0		0
Three years before current fiscal year	0		0
Four years before current fiscal year	0		0
Prior	0		0
Revolving loans amortized cost basis	343		280
Total	343		280
Consumer \| Other consumer loans
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	27,844		109,390
Fiscal year before current fiscal year	95,543		105,131
Two years before current fiscal year	91,895		112,157
Three years before current fiscal year	98,406		99,126
Four years before current fiscal year	84,412		48,309
Prior	73,300		38,054
Revolving loans amortized cost basis	27,619		39,228
Total	499,019		551,395
Gross write-offs for the year ended December 31, 2025
Current fiscal year	300		3,172
Fiscal year before current fiscal year	270		1,201
Two years before current fiscal year	232		2,004
Three years before current fiscal year	663		2,112
Four years before current fiscal year	575		1,285
Prior	293		1,212
Revolving loans amortized cost basis	0		0
Total	2,333	$ 3,022	10,986
Consumer \| Other consumer loans \| Current or less than 30 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	27,831		108,542
Fiscal year before current fiscal year	94,424		103,299
Two years before current fiscal year	90,614		109,084
Three years before current fiscal year	95,366		95,649
Four years before current fiscal year	81,292		46,525
Prior	71,156		36,933
Revolving loans amortized cost basis	27,619		39,228
Total	488,302		539,260
Consumer \| Other consumer loans \| 30 - 89 Days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	13		647
Fiscal year before current fiscal year	823		1,573
Two years before current fiscal year	806		2,400
Three years before current fiscal year	2,265		2,872
Four years before current fiscal year	2,478		1,424
Prior	1,573		863
Revolving loans amortized cost basis	0		0
Total	7,958		9,779
Consumer \| Other consumer loans \| 90+days
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		0
Fiscal year before current fiscal year	0		0
Two years before current fiscal year	0		0
Three years before current fiscal year	0		0
Four years before current fiscal year	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Total	0		0
Consumer \| Other consumer loans \| Non-accrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0		201
Fiscal year before current fiscal year	296		259
Two years before current fiscal year	475		673
Three years before current fiscal year	775		605
Four years before current fiscal year	642		360
Prior	571		258
Revolving loans amortized cost basis	0		0
Total	$ 2,759		$ 2,356

Accumulated Other Comprehensive Loss

3 Months Ended

Mar. 31, 2026

Equity [Abstract]

Accumulated Other Comprehensive Loss

The table below shows the activity and accumulated balances of components of other comprehensive income (loss) for the three months ended March 31, 2026 and 2025.


	Three Months Ended March 31,
	Unrealized Gains/Losses on AFS Securities		Pension Plan		Total
	(dollars in thousands)
Balance January 1, 2026	$	(36,108)	$	19,236	$	(16,872)
Other comprehensive (loss) income before reclassifications	(50,155)		1,338		(48,817)
Reclassification adjustment for net losses on AFS securities included in net income	-		-		-
Current period other comprehensive (loss) income, before tax	(50,155)		1,338		(48,817)
Income tax benefit (expense)	11,957		(319)		11,638
Current period other comprehensive (loss) income, net of tax	(38,198)		1,019		(37,179)
Balance March 31, 2026	$	(74,306)	$	20,255	$	(54,051)

Balance January 1, 2025	$	(145,589)	$	5,664	$	(139,925)
Other comprehensive income before reclassifications	59,931		4,487		64,418
Reclassification adjustment for net losses on AFS securities included in net income	-		-		-
Current period other comprehensive income, before tax	59,931		4,487		64,418
Income tax (expense)	(14,288)		(1,070)		(15,358)
Current period other comprehensive income, net of tax	45,643		3,417		49,060
Balance March 31, 2025	$	(99,946)	$	9,081	$	(90,865)

Loans and Allowance for Credit Losses - Schedule of Financing Receivable, Modified Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 38,629	$ 17,522
% of Total Loan Category	0.33%	0.15%
Interest/Fees Forgiveness	$ 0	$ 13
Term Extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	36,683	11,491
Payment Delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	1,121	670
Interest Rate Reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	648	2,300
Interest/Fees Forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	3,061
Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	177	0
Construction and development
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 6,633	$ 119
% of Total Loan Category	1.29%	0.02%
Interest/Fees Forgiveness	$ 0	$ 0
Weighted-Average Months of Term Extensions	4 months	6 months
Weighted-Average Interest Rate Reduction	0.00%	0.00%
Construction and development \| Term Extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 6,633	$ 119
Construction and development \| Payment Delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Construction and development \| Interest Rate Reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Construction and development \| Interest/Fees Forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Construction and development \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Commercial, financial & agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 544	$ 1,372
% of Total Loan Category	0.03%	0.08%
Interest/Fees Forgiveness	$ 0	$ 3
Weighted-Average Months of Term Extensions	10 months	15 months
Weighted-Average Interest Rate Reduction	0.00%	0.00%
Commercial, financial & agricultural \| Term Extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 544	$ 74
Commercial, financial & agricultural \| Payment Delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Commercial, financial & agricultural \| Interest Rate Reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	7
Commercial, financial & agricultural \| Interest/Fees Forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	1,291
Commercial, financial & agricultural \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 25,455	$ 12,433
% of Total Loan Category	0.52%	0.25%
Commercial real estate \| Term Extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 24,334	$ 9,779
Commercial real estate \| Payment Delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	1,121	0
Commercial real estate \| Interest Rate Reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	934
Commercial real estate \| Interest/Fees Forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	1,720
Commercial real estate \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Commercial real estate \| Non-owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 20,796	$ 9,159
% of Total Loan Category	0.64%	0.28%
Interest/Fees Forgiveness	$ 0	$ 0
Weighted-Average Months of Deferred Payments	116 months
Weighted-Average Months of Term Extensions	4 months	14 months
Weighted-Average Interest Rate Reduction	0.00%	0.00%
Commercial real estate \| Non-owner occupied CRE \| Term Extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 19,904	$ 9,159
Commercial real estate \| Non-owner occupied CRE \| Payment Delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	892	0
Commercial real estate \| Non-owner occupied CRE \| Interest Rate Reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Commercial real estate \| Non-owner occupied CRE \| Interest/Fees Forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Commercial real estate \| Non-owner occupied CRE \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Commercial real estate \| Owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 4,659	$ 3,274
% of Total Loan Category	0.29%	0.20%
Interest/Fees Forgiveness	$ 0	$ 7
Weighted-Average Months of Deferred Payments	1 month
Weighted-Average Months of Term Extensions	5 months	15 months
Weighted-Average Interest Rate Reduction	0.00%	0.50%
Commercial real estate \| Owner occupied CRE \| Term Extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 4,430	$ 620
Commercial real estate \| Owner occupied CRE \| Payment Delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	229	0
Commercial real estate \| Owner occupied CRE \| Interest Rate Reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	934
Commercial real estate \| Owner occupied CRE \| Interest/Fees Forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	1,720
Commercial real estate \| Owner occupied CRE \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 5,784	$ 2,767
% of Total Loan Category	0.15%	0.09%
Residential real estate \| Term Extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 5,106	$ 1,197
Residential real estate \| Payment Delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	275
Residential real estate \| Interest Rate Reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	501	1,245
Residential real estate \| Interest/Fees Forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	50
Residential real estate \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	177	0
Residential real estate \| Residential mortgage loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 5,784	$ 2,512
% of Total Loan Category	0.17%	0.09%
Interest/Fees Forgiveness	$ 0	$ 3
Weighted-Average Months of Deferred Payments		5 months
Weighted-Average Months of Term Extensions	20 months	48 months
Weighted-Average Interest Rate Reduction	5.52%	0.98%
Residential real estate \| Residential mortgage loans \| Term Extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 5,106	$ 942
Residential real estate \| Residential mortgage loans \| Payment Delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	275
Residential real estate \| Residential mortgage loans \| Interest Rate Reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	501	1,245
Residential real estate \| Residential mortgage loans \| Interest/Fees Forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	50
Residential real estate \| Residential mortgage loans \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	177	0
Residential real estate \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 0	$ 255
% of Total Loan Category	0.00%	0.07%
Interest/Fees Forgiveness	$ 0	$ 0
Weighted-Average Interest Rate Reduction	0.00%	0.00%
Residential real estate \| Home equity lines of credit \| Term Extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 0	$ 255
Residential real estate \| Home equity lines of credit \| Payment Delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Residential real estate \| Home equity lines of credit \| Interest Rate Reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Residential real estate \| Home equity lines of credit \| Interest/Fees Forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Residential real estate \| Home equity lines of credit \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Consumer \| Other consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 213	$ 831
% of Total Loan Category	0.04%	0.09%
Interest/Fees Forgiveness	$ 0	$ 0
Weighted-Average Months of Deferred Payments		24 months
Weighted-Average Months of Term Extensions	2 months	5 months
Weighted-Average Interest Rate Reduction	7.59%	3.10%
Consumer \| Other consumer loans \| Term Extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 66	$ 322
Consumer \| Other consumer loans \| Payment Delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	395
Consumer \| Other consumer loans \| Interest Rate Reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	147	114
Consumer \| Other consumer loans \| Interest/Fees Forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Consumer \| Other consumer loans \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 0	$ 0

Organization, Consolidation and Presentation of Financial Statements (Policies)	3 Months Ended
	Mar. 31, 2026
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation	Basis of Presentation The accompanying consolidated financial statements include the accounts of Central Bancompany, Inc., and its subsidiaries. Central Bancompany owns all the outstanding capital stock of The Central Trust Bank, which is headquartered in Missouri. The consolidated financial statements in this report have not been audited by an independent registered public accounting firm, but in the opinion of management, all adjustments necessary to present fairly the financial position and the results of operations for the interim periods have been made. In addition, all significant intercompany accounts and transactions have been eliminated. 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 balance sheets and revenues and expenses for the periods presented. Actual results could differ significantly from those estimates. The results of operations for the three months ended March 31, 2026 are not necessarily indicative of results to be attained for the full year or any other interim period. The consolidated financial statements have been prepared in accordance with U.S. GAAP for interim financial information and with the instructions to Form 10-Q adopted by the Securities and Exchange Commission. Accordingly, the financial statements do not include all of the information and footnotes required by U.S. GAAP for complete financial statements and should be read in conjunction with the Company's audited consolidated financial statements and notes for the year ended December 31, 2025 contained in the Company's 2025 Annual Report on Form 10-K. Management has evaluated subsequent events for potential recognition or disclosure.
Fair Value Measurements	Fair Value Hierarchy The Company uses fair value measurements to record fair value adjustments to certain financial and nonfinancial assets and liabilities and to determine fair value disclosures. Various financial instruments such as AFS and trading securities are recorded at fair value on a recurring basis. Additionally, from time to time, the Company may be required to record at fair value other assets and liabilities on a nonrecurring basis, such as loans, loans held for sale, mortgage servicing rights, and certain other investment securities. These nonrecurring fair value adjustments typically involve lower of cost or market accounting or write-downs of individual assets. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Depending on the nature of the asset or liability, the Company uses various valuation techniques and assumptions when estimating fair value, which are in accordance with ASC 820. ASC 820 establishes a three-level valuation hierarchy for disclosure of fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows: •Level 1 - inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. •Level 2 - inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the assets or liabilities, either directly or indirectly (such as interest rates, yield curves, and prepayment speeds). •Level 3 - inputs to the valuation methodology are unobservable and significant to the fair value. These may be internally developed, using the Company's best information and assumptions that a market participant would consider. The valuation methodologies for assets and liabilities measured at fair value on a recurring and non-recurring basis are described in Note 16, “Fair Value Disclosures” to the Company's 2025 Annual Report on Form 10-K. There have been no significant changes in these methodologies since then.
Segments	The Company's reportable segments are determined by its Chief Executive Officer, who is the designated Chief Operating Decision Maker (“CODM”). The company has strategically aligned its operations into the following three reportable segments: Consumer Banking, Commercial Banking, and Wealth Management (collectively, the Business Segments). These operating segments are strategic business units that offer different products and services and have different marketing strategies. To evaluate segment performance and inform resource allocation decisions, the CODM regularly reviews each segment’s revenues and net income compared to budget. This process allows the Company to (1) assess the profitability of a specific business segment by aligning relevant costs with revenue, and (2) evaluate each business segment in a way that reflects its economic impact on consolidated earnings. During the year ended December 31, 2025, the Company modified the structure of its internal organization to better align financial reporting with the way management evaluates performance and allocates resources. Previously, the Company reported two operating segments: Community Banking and Wealth Management. As a result of the organizational changes, management now reviews operating performance and makes resource allocation decisions based on three operating segments: Consumer, Commercial, and Wealth Management. This change represents a reconsideration of the Company’s operating and reportable segments in accordance with ASC 280, Segment Reporting. In accordance with ASC 280‑10‑50‑34, the Company has recast all prior‑period segment information presented for comparative purposes to reflect the new segment structure. The change affected the aggregation and presentation of certain revenues, expenses, and allocated corporate costs among the Company’s operating segments, but did not impact consolidated net income, total assets, shareholders’ equity, or cash flows for any periods presented. Consistent with the requirements of ASC 250‑10‑50‑1(a), the recast of prior periods has been applied retrospectively to all comparative periods presented herein, and the nature and reason for the change in segment presentation are disclosed. The change did not result from a change in accounting principle but rather from a change in the organizational structure that constitutes a change in the internal information regularly reviewed by the CODM. Management believes the new segment structure provides improved transparency into the distinct customer groups served by the Company and the economic characteristics of each segment. The Consumer Banking operating segment consists of various consumer loan and deposit products offered primarily through its 156 full-service branches. This segment also includes residential mortgage, installment lending and other consumer loan financing options, along with debit and credit card loan and fee businesses. The Commercial Banking operating segment includes full-service relationship banking solutions to businesses, agencies and community organizations including commercial, small business and government segments. Our business payment solutions include treasury management services, merchant and commercial bank card products. The Wealth Management operating segment provides a full range of “fee-only” wealth management solutions, including investment management, fiduciary services, financial, estate, and tax planning services to individuals, businesses, and foundations. Services are provided through Central Trust Company and Central Investment Advisors, both divisions of The Central Trust Bank. The Company uses a funds transfer pricing method to value funds used (e.g., loans, fixed assets, cash, etc.) and funds provided (deposits, borrowings, and equity) by the business segments and their components. This process assigns a specific value to each new source or use of funds with a maturity, based on current interest rates, thus determining an interest spread at the time of the transaction. Non-maturity assets and liabilities are valued using weighted average pools. The funds transfer pricing process attempts to remove interest rate risk from valuation, allowing management to compare profitability under various rate environments. The operating segments also include a number of allocations of income and expense from various support and overhead centers within the Company. Management periodically makes changes to methods of assigning costs and income to its business segments to better reflect operating results. The segment activity, as shown above, includes both direct and allocated items. Amounts in the "Corporate / Other" column include activity not related to the segments, such as administrative functions, various support and overhead operating units of the Company. Corporate administrative functions such as Compliance, Accounting, Credit Administration, Human Resources, and our Central Technology Services team expenses are allocated to the segments with an offset in Corp/Other noninterest expense. Expenses for the parent company, the administrative and support functions within the markets not specific to a segment, regulatory expenses, director and shareholder costs, community outreach, and other similar expenses are not allocated to the segments. The Company's reportable segments are strategic lines of business that offer different products and services. They are managed separately because each line services a specific customer need, requiring different performance measurement analysis and marketing strategies. The performance measurement of the segments is based on the management structure of the Company and is not necessarily comparable with similar information for any other financial institution. The information is also not necessarily indicative of the segments' financial condition and results of operations if they were independent entities.

- Definition

Disclosure of accounting policy for segment reporting.

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+ Details

Investment Securities - Schedule of Amortized Cost Basis by Credit Rating of Held to Maturity Investment (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Debt Securities, Available-for-sale [Line Items]
Held to maturity, net of allowance for credit losses of $10 and $10, and fair value of $1,539 and $1,700, as of March 31, 2026 and December 31, 2025, respectively	$ 1,528	$ 1,689
State and political subdivisions
Debt Securities, Available-for-sale [Line Items]
Held to maturity, net of allowance for credit losses of $10 and $10, and fair value of $1,539 and $1,700, as of March 31, 2026 and December 31, 2025, respectively	1,518	1,678
State and political subdivisions \| Non-Rated
Debt Securities, Available-for-sale [Line Items]
Held to maturity, net of allowance for credit losses of $10 and $10, and fair value of $1,539 and $1,700, as of March 31, 2026 and December 31, 2025, respectively	246	251
State and political subdivisions \| A
Debt Securities, Available-for-sale [Line Items]
Held to maturity, net of allowance for credit losses of $10 and $10, and fair value of $1,539 and $1,700, as of March 31, 2026 and December 31, 2025, respectively	0	0
State and political subdivisions \| AA
Debt Securities, Available-for-sale [Line Items]
Held to maturity, net of allowance for credit losses of $10 and $10, and fair value of $1,539 and $1,700, as of March 31, 2026 and December 31, 2025, respectively	977	1,132
State and political subdivisions \| AAA
Debt Securities, Available-for-sale [Line Items]
Held to maturity, net of allowance for credit losses of $10 and $10, and fair value of $1,539 and $1,700, as of March 31, 2026 and December 31, 2025, respectively	$ 295	$ 295

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

Loans and Allowance for Credit Losses - Schedule of Loans to Directors and Officers (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2026 USD ($)
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance of loans to related parties, beginning of year	$ 340,010
New loans	8,725
Repayments	(10,244)
Change in relationship	(32,839)
Balance of loans to related parties, end of year	$ 305,653

Business Segment Reporting

3 Months Ended

Mar. 31, 2026

Segment Reporting [Abstract]

Business Segment Reporting

The Company's reportable segments are determined by its Chief Executive Officer, who is the designated Chief Operating Decision Maker (“CODM”). The company has strategically aligned its operations into the following three reportable segments: Consumer Banking, Commercial Banking, and Wealth Management (collectively, the Business Segments). These operating segments are strategic business units that offer different products and services and have different marketing strategies.

To evaluate segment performance and inform resource allocation decisions, the CODM regularly reviews each segment’s revenues and net income compared to budget. This process allows the Company to (1) assess the profitability of a specific business segment by aligning relevant costs with revenue, and (2) evaluate each business segment in a way that reflects its economic impact on consolidated earnings.

During the year ended December 31, 2025, the Company modified the structure of its internal organization to better align financial reporting with the way management evaluates performance and allocates resources. Previously, the Company reported two operating segments: Community Banking and Wealth Management. As a result of the organizational changes, management now reviews operating performance and makes resource allocation decisions based on three operating segments: Consumer, Commercial, and Wealth Management.

This change represents a reconsideration of the Company’s operating and reportable segments in accordance with ASC 280, Segment Reporting. In accordance with ASC 280‑10‑50‑34, the Company has recast all prior‑period segment information presented for comparative purposes to reflect the new segment structure. The change affected the aggregation and presentation of certain revenues, expenses, and allocated corporate costs among the Company’s operating segments, but did not impact consolidated net income, total assets, shareholders’ equity, or cash flows for any periods presented.

Consistent with the requirements of ASC 250‑10‑50‑1(a), the recast of prior periods has been applied retrospectively to all comparative periods presented herein, and the nature and reason for the change in segment presentation are disclosed. The change did not result from a change in accounting principle but rather from a change in the organizational structure that constitutes a change in the internal information regularly reviewed by the CODM.

Management believes the new segment structure provides improved transparency into the distinct customer groups served by the Company and the economic characteristics of each segment.

The Consumer Banking operating segment consists of various consumer loan and deposit products offered primarily through its 156 full-service branches. This segment also includes residential mortgage, installment lending and other consumer loan financing options, along with debit and credit card loan and fee businesses.

The Commercial Banking operating segment includes full-service relationship banking solutions to businesses, agencies and community organizations including commercial, small business and government segments. Our business payment solutions include treasury management services, merchant and commercial bank card products.

The Wealth Management operating segment provides a full range of “fee-only” wealth management solutions, including investment management, fiduciary services, financial, estate, and tax planning services to individuals, businesses, and foundations. Services are provided through Central Trust Company and Central Investment Advisors, both divisions of The Central Trust Bank.

The Company uses a funds transfer pricing method to value funds used (e.g., loans, fixed assets, cash, etc.) and funds provided (deposits, borrowings, and equity) by the business segments and their components. This process assigns a specific value to each new source or use of funds with a maturity, based on current interest rates, thus determining an interest spread at the time of the transaction. Non-maturity assets and liabilities are valued using weighted average pools. The funds transfer pricing process attempts to remove interest rate risk from valuation, allowing management to compare profitability under various rate environments. The operating segments also include a number of allocations of income and expense from various support and overhead centers within the Company. Management periodically makes changes to methods of assigning costs and income to its business segments to better reflect operating results.

Segment Financial Information

The following table presents selected financial information by segment and reconciliations of combined segment totals to consolidated totals.


	Consumer		Commercial		Wealth Management		Corp / Other		Total
	(dollars in thousands)
Three Months Ended March 31, 2026
Net interest income	$	81,271	$	113,043	$	(15)	$	14,318	$	208,617
Provision for credit losses	2,193		932		-		21		3,146
Net interest income after provision for credit losses	79,078		112,111		(15)		14,297		205,471
Noninterest income	32,034		10,732		21,333		989		65,088
Noninterest expense	62,994		39,623		13,445		10,554		126,616
Income before income taxes	48,118		83,220		7,873		4,732		143,943
Income taxes	11,530		19,274		1,894		157		32,855
Net income	$	36,588	$	63,946	$	5,979	$	4,575	$	111,088

Assets under advice	$	-	$	-	$	16,012,029	$	-	$	16,012,029

Three Months Ended March 31, 2025
Net interest income	$	75,181	$	106,290	$	(19)	$	7,821	$	189,273
Provision for credit losses	1,885		1,031		(3)		7		2,920
Net interest income after provision for credit losses	73,296		105,259		(16)		7,814		186,353
Noninterest income	28,494		10,377		18,419		1,498		58,788
Noninterest expense	59,907		39,370		12,529		10,455		122,261
Income before income taxes	41,883		76,266		5,874		(1,143)		122,880
Income taxes	10,026		17,613		1,407		(964)		28,082
Net income	$	31,857	$	58,653	$	4,467	$	(179)	$	94,798

Assets under advice	$	-	$	-	$	13,543,819	$	-	$	13,543,819

The segment activity, as shown above, includes both direct and allocated items. Amounts in the "Corporate / Other" column include activity not related to the segments, such as administrative functions, various support and overhead

operating units of the Company. Corporate administrative functions such as Compliance, Accounting, Credit Administration, Human Resources, and our Central Technology Services team expenses are allocated to the segments with an offset in Corp/Other noninterest expense. Expenses for the parent company, the administrative and support functions within the markets not specific to a segment, regulatory expenses, director and shareholder costs, community outreach, and other similar expenses are not allocated to the segments.

The Company's reportable segments are strategic lines of business that offer different products and services. They are managed separately because each line services a specific customer need, requiring different performance measurement analysis and marketing strategies. The performance measurement of the segments is based on the management structure of the Company and is not necessarily comparable with similar information for any other financial institution. The information is also not necessarily indicative of the segments' financial condition and results of operations if they were independent entities.

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

+ References

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+ Details

Commitments, Contingencies, and Guarantees (Tables)

3 Months Ended

Mar. 31, 2026

Commitments and Contingencies Disclosure [Abstract]

Schedule Contractual Obligations By Commitment

Such commitments and conditional obligations were as follows as of the dates presented.


	Contractual Amount
	March 31, 2026		December 31, 2025
	(dollars in thousands)
Off Balance Sheet Commitments
Loan Commitments	$	2,960,160	$	2,952,732
Standby Letters of Credit	86,306		80,060
Commercial Letters of Credit	565		2,703
Credit Derivatives	22,391		19,224

Mortgage Banking Activities

3 Months Ended

Mar. 31, 2026

Transfers and Servicing [Abstract]

Mortgage Banking Activities

The Company originates mortgage loans and sells those loans to the FHLMC, FNMA, GNMA, and private investors. Typically, these loans are sold with servicing retained by the Bank. Loans sold with servicing retained for the three months ended March 31, 2026 and 2025 aggregated $105.7 million and $71.1 million, respectively. Loans serviced for investors aggregated $4.6 billion and $4.7 billion at March 31, 2026 and March 31, 2025, respectively.

Included in mortgage banking revenues in the accompanying consolidated statements of income for March 31, 2026 and 2025 are the following:


	Three Months Ended March 31,
	2026		2025
	(dollars in thousands)
Gains on sale of mortgage loans	$	6,285	$	5,530
Fees on real estate loans sold	541		389
(Losses) on interest rate lock commitments (IRLC) and associated hedging	(131)		(95)
Servicing fees	2,841		2,903
Mortgage banking revenues, net	$	9,536	$	8,727

The following assumptions were used in determining the fair value of the capitalized mortgage servicing rights:


	Three Months Ended March 31,
	2026		2025
Discount rate	9.16	%	9.17	%
Prepayment speed	6.60	%	6.30	%
Delinquency rate	0.80	%	0.69	%

A summary of the mortgage servicing rights is as follows:


	Three Months Ended March 31,
	2026		2025
	(dollars in thousands)
Balance at beginning of period	$	29,391	$	30,423
Capitalized mortgage servicing rights	1,398		775
Amortization	(1,532)		(1,403)
Change in valuation allowance	-		-
Balance at end of period	$	29,257	$	29,795

The valuation allowance at each of March 31, 2026 and December 31, 2025 was $0.

- Definition

The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows.

+ References

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+ Details

Fair Value Disclosures - Schedule of Estimated Fair Values of the Company’s Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Financial Assets:
Available for sale	$ 6,741,573	$ 6,372,463
Held to maturity	1,528	1,689
Equity	48,174	48,200
Net loans held for investment	11,382,681	11,284,931
Carrying amount
Financial Assets:
Available for sale	6,741,573	6,372,463
Held to maturity	1,528	1,689
Equity	48,174	48,200
Net loans held for investment	11,382,681	11,284,931
Loans held for sale	29,457	54,119
Derivatives	7,732	7,969
Total assets	19,589,273	19,834,553
Financial Liabilities
Federal funds purchased and customer repurchase agreements	1,066,923	1,011,851
Accrued interest payable	8,279	9,306
Derivatives	6,284	7,021
Cash and due from banks \| Carrying amount
Financial Assets:
Cash and due from banks	190,868	258,588
Short-term interest-bearing deposits \| Carrying amount
Financial Assets:
Cash and due from banks	1,185,077	1,805,215
Interest-bearing deposits \| Carrying amount
Financial Assets:
Cash and due from banks	750	1,039
Federal funds sold and securities purchased under agreements to resell \| Carrying amount
Financial Assets:
Cash and due from banks	1,433	340
Level 1 \| Estimated Fair Value
Financial Assets:
Available for sale	1,097,918	929,305
Held to maturity	0	0
Equity	0	0
Net loans held for investment	0	0
Loans held for sale	0	0
Derivatives	0	0
Total assets	2,476,045	2,993,448
Financial Liabilities
Federal funds purchased and customer repurchase agreements	1,066,923	1,011,851
Accrued interest payable	8,279	9,306
Derivatives	0	0
Level 1 \| Cash and due from banks \| Estimated Fair Value
Financial Assets:
Cash and due from banks	190,868	258,588
Level 1 \| Short-term interest-bearing deposits \| Estimated Fair Value
Financial Assets:
Cash and due from banks	1,185,077	1,805,215
Level 1 \| Interest-bearing deposits \| Estimated Fair Value
Financial Assets:
Cash and due from banks	750	0
Level 1 \| Federal funds sold and securities purchased under agreements to resell \| Estimated Fair Value
Financial Assets:
Cash and due from banks	1,433	340
Level 2 \| Estimated Fair Value
Financial Assets:
Available for sale	5,643,654	5,443,158
Held to maturity	862	1,023
Equity	36,661	36,690
Net loans held for investment	0	0
Loans held for sale	29,457	54,119
Derivatives	7,732	7,969
Total assets	5,718,366	5,542,960
Financial Liabilities
Federal funds purchased and customer repurchase agreements	0	0
Accrued interest payable	0	0
Derivatives	6,284	7,021
Level 2 \| Cash and due from banks \| Estimated Fair Value
Financial Assets:
Cash and due from banks	0	0
Level 2 \| Short-term interest-bearing deposits \| Estimated Fair Value
Financial Assets:
Cash and due from banks	0	0
Level 2 \| Interest-bearing deposits \| Estimated Fair Value
Financial Assets:
Cash and due from banks	0	0
Level 2 \| Federal funds sold and securities purchased under agreements to resell \| Estimated Fair Value
Financial Assets:
Cash and due from banks	0	0
Level 3 \| Estimated Fair Value
Financial Assets:
Available for sale	0	0
Held to maturity	677	677
Equity	11,513	11,510
Net loans held for investment	11,364,316	11,285,348
Loans held for sale	0	0
Derivatives	0	0
Total assets	11,376,506	11,298,574
Financial Liabilities
Federal funds purchased and customer repurchase agreements	0	0
Accrued interest payable	0	0
Derivatives	0	0
Level 3 \| Cash and due from banks \| Estimated Fair Value
Financial Assets:
Cash and due from banks	0	0
Level 3 \| Short-term interest-bearing deposits \| Estimated Fair Value
Financial Assets:
Cash and due from banks	0	0
Level 3 \| Interest-bearing deposits \| Estimated Fair Value
Financial Assets:
Cash and due from banks	0	1,039
Level 3 \| Federal funds sold and securities purchased under agreements to resell \| Estimated Fair Value
Financial Assets:
Cash and due from banks	$ 0	$ 0

Business Segment Reporting - Additional Information (Details)	3 Months Ended	12 Months Ended
	Mar. 31, 2026 segment branch	Dec. 31, 2025 segment
Segment Reporting [Abstract]
Number of operating segments	3	2
Number of reportable segments	3
Number of full-service branches \| branch	156

Mortgage Banking Activities - Schedule of Components of Mortgage Banking Revenue (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Transfers and Servicing [Abstract]
Gains on sale of mortgage loans	$ 6,285	$ 5,530
Fees on real estate loans sold	541	389
(Losses) on interest rate lock commitments (IRLC) and associated hedging	(131)	(95)
Servicing fees	2,841	2,903
Mortgage banking revenues, net	$ 9,536	$ 8,727

Mortgage Banking Activities - Schedule of Weighted Average Assumptions Used in the Calculation of Fair Value of MSRs (Details)	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Transfers and Servicing [Abstract]
Discount rate	9.16%	9.17%
Prepayment speed	6.60%	6.30%
Delinquency rate	0.80%	0.69%

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Assets
Cash and due from banks	$ 190,868	$ 258,588
Short-term interest-bearing deposits	1,186,510	1,805,555
Interest-bearing deposits	858	1,039
Investment securities:
Available for sale	6,741,573	6,372,463
Held to maturity, net of allowance for credit losses of $10 and $10, and fair value of $1,539 and $1,700, as of March 31, 2026 and December 31, 2025, respectively	1,528	1,689
Equity	48,174	48,200
Total investment securities	6,791,275	6,422,352
Loans held for investment	11,532,570	11,434,605
Less allowance for credit losses	(149,889)	(149,674)
Net loans	11,382,681	11,284,931
Loans held for sale	29,457	54,119
Land, buildings, and equipment, net	221,577	215,931
Deferred tax assets, net	20,584	0
Goodwill and intangibles	350,859	351,664
Other assets	281,702	357,799
Total assets	20,456,371	20,751,978
Deposits:
Noninterest-bearing demand	5,563,373	5,615,652
Savings and interest-bearing demand	8,284,962	8,611,895
Time	1,617,106	1,635,078
Total deposits	15,465,441	15,862,625
Federal funds purchased and customer repurchase agreements	1,066,923	1,011,851
Total customer funds	16,532,364	16,874,476
Deferred tax liabilities, net	0	11,745
Other liabilities	125,681	81,780
Total liabilities	16,658,045	16,968,001
Stockholders' equity:
Preferred stock, $0.01 par value; 50,000,000 shares authorized; 0 shares issued as of March 31, 2026 and December 31, 2025	0	0
Capital surplus	420,427	419,421
Retained earnings	3,559,565	3,477,408
Accumulated other comprehensive (loss)	(54,051)	(16,872)
Total stockholders' equity before treasury stock	3,929,123	3,883,139
Less treasury stock of 78,460,508 and 77,141,300 shares of Class A voting common stock as of March 31, 2026 and December 31, 2025, respectively	(130,797)	(99,162)
Total stockholders' equity	3,798,326	3,783,977
Total liabilities and stockholders' equity	20,456,371	20,751,978
Common Class A
Stockholders' equity:
Class A voting common stock, $0.01 par value; 500,000,000 shares authorized; 318,247,550 shares issued as of March 31, 2026 and December 31, 2025	3,182	3,182
Common Class B
Stockholders' equity:
Class A voting common stock, $0.01 par value; 500,000,000 shares authorized; 318,247,550 shares issued as of March 31, 2026 and December 31, 2025	$ 0	$ 0

Customer Repurchase Agreements - Schedule of Remaining Contractual Maturities of Repurchase Agreements Outstanding (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	$ 944,502	$ 945,811
U.S. government and federal agency obligations
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	48,802	29,667
Government-sponsored enterprise obligations
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	10,201	9,181
Mortgage-backed securities
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	885,499	906,962
Overnight and continuous
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	944,502	945,811
Overnight and continuous \| U.S. government and federal agency obligations
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	48,802	29,667
Overnight and continuous \| Government-sponsored enterprise obligations
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	10,201	9,181
Overnight and continuous \| Mortgage-backed securities
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	885,499	906,962
Up to 90 days
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	0	0
Up to 90 days \| U.S. government and federal agency obligations
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	0	0
Up to 90 days \| Government-sponsored enterprise obligations
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	0	0
Up to 90 days \| Mortgage-backed securities
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	0	0
Greater than 90 days
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	0	0
Greater than 90 days \| U.S. government and federal agency obligations
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	0	0
Greater than 90 days \| Government-sponsored enterprise obligations
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	0	0
Greater than 90 days \| Mortgage-backed securities
Assets Sold under Agreements to Repurchase [Line Items]
Total repurchase agreements, gross amount recognized	$ 0	$ 0

Employee Benefit Plans -Schedule of Net Periodic Cost (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Retirement Benefits [Abstract]
Service Cost	$ 0	$ 0
Interest Cost	1,388	1,382
Expected Return on Assets	(1,631)	(1,592)
Net Amortization	0	0
Net periodic pension cost	$ (243)	$ (210)
Maximum nonelective contributions period	7 years

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Mar. 31, 2026	Mar. 31, 2025
Interest income:
Loans	$ 176,076	$ 176,274
Investment securities	67,983	53,405
Federal funds sold and securities purchased under agreements to resell	13,995	10,530
Total interest income	258,054	240,209
Interest expense:
Deposits	43,425	43,730
Federal funds purchased and customer repurchase agreements	6,012	7,206
Total interest expense	49,437	50,936
Net interest income	208,617	189,273
Provision for credit losses	3,146	2,920
Net interest income after provision for credit losses	205,471	186,353
Other income:
Mortgage banking revenues	9,536	8,727
Investment securities gains, net	0	109
Other income	2,526	855
Total other income	65,088	58,788
Other expenses:
Salaries and employee benefits	76,039	71,247
Net occupancy and equipment	12,166	11,847
Computer software and maintenance	5,977	6,056
Marketing and business development	4,556	4,959
Legal and professional fees	6,065	4,878
Bankcard processing, rewards and related costs	7,753	7,022
Other expenses	14,060	16,252
Total other expenses	126,616	122,261
Income before income taxes	143,943	122,880
Income taxes	32,855	28,082
Net income	$ 111,088	$ 94,798
Net income per common share - basic (in dollars per share)	$ 0.46	$ 0.43
Net income per common share - diluted (in dollars per share)	$ 0.46	$ 0.43
Service charges and commissions
Other income:
Other income revenues	$ 14,413	$ 13,944
Payment services revenue
Other income:
Other income revenues	16,370	15,976
Brokerage services
Other income:
Other income revenues	7,936	6,714
Fees for fiduciary services
Other income:
Other income revenues	$ 14,307	$ 12,463

Stock-Based Compensation

3 Months Ended

Mar. 31, 2026

Stock-Based Compensation

The Company provides stock-based compensation to key employees in the form of restricted stock awards (RSAs) and, beginning in March 2026, restricted stock units (RSUs). The Company's stock-based compensation plans are designed to attract, retain, and reward employees while aligning the interests of the employees with the success of the Company. Awards are determined by the Company's Human Resources Committee of the Board of Directors.

The following represents a summary of changes in the Company's nonvested restricted stock shares as of March 31, 2026.


	Shares	Weighted Average Grant Date Fair Value
Nonvested at January 1, 2026	602,300	$	13.31
Granted	245,953	24.56
Vested	(171,600)	13.28
Forfeited	(2,700)	13.28
Nonvested at March 31, 2026	673,953	$	17.43

For the three months ended March 31, 2026 and 2025, the total stock-based compensation expense recognized for restricted stock awards and restricted stock units was $1.0 million and $0.9 million, respectively. This expense is calculated on the graded-vesting method and is included in salaries and employee benefits.

Goodwill and Intangible Assets

3 Months Ended

Mar. 31, 2026

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Intangible Assets

Goodwill and core deposit intangible assets are summarized in the following table:


	March 31, 2026						December 31, 2025
	Gross carrying amount		Accumulated amortization		Net amount		Gross carrying amount		Accumulated amortization		Net amount
	(dollars in thousands)\
Amortizable intangible assets:
Core deposit intangible assets	$	20,498	$	(19,036)	$	1,462	$	20,498	$	(18,304)	$	2,194
Trust customer intangible asset	6,100		(4,940)		1,160		6,100		(4,866)		1,233
Total amortizable intangible assets	$	26,598	$	(23,976)	$	2,622	$	26,598	$	(23,170)	$	3,427
Goodwill:
Commercial Banking segment	$	210,331	$	-	$	210,331	$	210,331	$	-	$	210,331
Consumer Banking segment	126,095		-		126,095		126,095		-		126,095
Wealth segment	11,811		-		11,811		11,811		-		11,811
Total goodwill	$	348,237	$	-	$	348,237	$	348,237	$	-	$	348,237

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Mar. 31, 2026
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

Earnings Per Common Share - Schedule of Basic and Diluted Income Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Basic income per share:
Net income attributable to Central Bancompany, Inc.	$ 111,088	$ 94,798
Less: Dividends declared on forfeitable nonvested restricted stock	72	27
Net income allocated to common stock	$ 111,016	$ 94,771
Weighted average common shares outstanding - basic (in shares)	240,315,000	219,947,000
Basic income per common share - basic (in dollars per share)	$ 0.46	$ 0.43
Earnings Per Share, Diluted [Abstract]
Net income attributable to Central Bancompany, Inc.	$ 111,088	$ 94,798
Less: Dividends declared on forfeitable nonvested restricted stock	72	27
Net income allocated to common stock	$ 111,016	$ 94,771
Weighted average common shares outstanding - diluted (in shares)	240,637,000	219,947,000
Diluted income per common share - basic (in dollars per share)	$ 0.46	$ 0.43

Investment Securities - Schedule of Unrealized Gain (Loss) on Investments (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Available for sale:
Amortized Cost	$ 6,839,139	$ 6,419,874
Gross Unrealized Gain	24,075	57,171
Gross Unrealized Loss	(121,641)	(104,582)
Fair Value	6,741,573	6,372,463
Held to maturity:
Amortized Cost	1,538	1,699
Gross Unrealized Gain	1	1
Gross Unrealized Loss	0	0
Fair Value	1,539	1,700
Allowance for Credit Losses	(10)	(10)
Net Carrying Amount	1,529	1,690
U.S. Treasury securities
Available for sale:
Amortized Cost	1,096,080	918,922
Gross Unrealized Gain	4,164	10,561
Gross Unrealized Loss	(2,936)	(1,196)
Fair Value	1,097,308	928,287
U.S. agency debentures
Available for sale:
Amortized Cost	128,157	132,692
Gross Unrealized Gain	16	177
Gross Unrealized Loss	(505)	(413)
Fair Value	127,668	132,456
U.S. agency mortgage-backed securities
Available for sale:
Amortized Cost	5,594,209	5,345,130
Gross Unrealized Gain	19,838	46,346
Gross Unrealized Loss	(118,082)	(102,899)
Fair Value	5,495,965	5,288,577
Held to maturity:
Amortized Cost	20	21
Gross Unrealized Gain	1	1
Gross Unrealized Loss	0	0
Fair Value	21	22
Allowance for Credit Losses	0	0
Net Carrying Amount	21	22
Obligations of states and political subdivisions
Available for sale:
Amortized Cost	15,889	16,595
Gross Unrealized Gain	55	87
Gross Unrealized Loss	(52)	(38)
Fair Value	15,892	16,644
Held to maturity:
Amortized Cost	1,518	1,678
Gross Unrealized Gain	0	0
Gross Unrealized Loss	0	0
Fair Value	1,518	1,678
Allowance for Credit Losses	(10)	(10)
Net Carrying Amount	1,508	1,668
Other securities
Available for sale:
Amortized Cost	4,804	6,535
Gross Unrealized Gain	2	0
Gross Unrealized Loss	(66)	(36)
Fair Value	4,740	$ 6,499
Held to maturity:
Fair Value	$ 0

Business Segment Reporting (Tables)

3 Months Ended

Mar. 31, 2026

Segment Reporting [Abstract]

Schedule of Segment Reporting Information

The following table presents selected financial information by segment and reconciliations of combined segment totals to consolidated totals.


	Consumer		Commercial		Wealth Management		Corp / Other		Total
	(dollars in thousands)
Three Months Ended March 31, 2026
Net interest income	$	81,271	$	113,043	$	(15)	$	14,318	$	208,617
Provision for credit losses	2,193		932		-		21		3,146
Net interest income after provision for credit losses	79,078		112,111		(15)		14,297		205,471
Noninterest income	32,034		10,732		21,333		989		65,088
Noninterest expense	62,994		39,623		13,445		10,554		126,616
Income before income taxes	48,118		83,220		7,873		4,732		143,943
Income taxes	11,530		19,274		1,894		157		32,855
Net income	$	36,588	$	63,946	$	5,979	$	4,575	$	111,088

Assets under advice	$	-	$	-	$	16,012,029	$	-	$	16,012,029

Three Months Ended March 31, 2025
Net interest income	$	75,181	$	106,290	$	(19)	$	7,821	$	189,273
Provision for credit losses	1,885		1,031		(3)		7		2,920
Net interest income after provision for credit losses	73,296		105,259		(16)		7,814		186,353
Noninterest income	28,494		10,377		18,419		1,498		58,788
Noninterest expense	59,907		39,370		12,529		10,455		122,261
Income before income taxes	41,883		76,266		5,874		(1,143)		122,880
Income taxes	10,026		17,613		1,407		(964)		28,082
Net income	$	31,857	$	58,653	$	4,467	$	(179)	$	94,798

Assets under advice	$	-	$	-	$	13,543,819	$	-	$	13,543,819

Stock-Based Compensation - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Restricted Stock
Deferred Compensation Arrangement with Individual, Share-Based Payments [Line Items]
Share-based payment arrangement expense	$ 1.0	$ 0.9

Loans and Allowance for Credit Losses

3 Months Ended

Mar. 31, 2026

Receivables [Abstract]

Loans and Allowance for Credit Losses

Loans consisted of the following at March 31, 2026 and December 31, 2025:


	March 31, 2026		December 31, 2025
	(dollars in thousands)
Loans held for investment:
Construction and development	$	512,681	$	570,749
Commercial, financial & agricultural	1,740,689		1,761,287
Non-owner-occupied commercial real estate	3,267,008		3,150,269
Owner-occupied commercial real estate	1,583,461		1,580,260
Commercial real estate	4,850,469		4,730,529
Total commercial loans	7,103,839		7,062,565
Residential mortgage loans	3,423,146		3,321,101
Home equity lines of credit	422,737		410,845
Consumer credit card	93,171		98,310
Other consumer loans	499,019		551,395
Total residential and consumer loans	4,438,073		4,381,651
Total unpaid principal balance	11,541,912		11,444,216
Add: Unearned income	(9,342)		(9,611)
Loans, held for investment	11,532,570		11,434,605
Loans held for sale	29,457		54,119
Total loans and leases	$	11,562,027	$	11,488,724

Accrued interest receivable totaled $46.5 million and $45.9 million at March 31, 2026 and December 31, 2025, respectively, and is included within other assets on the consolidated balance sheets.

No loans were acquired by the Company for the three months ended March 31, 2026 and December 31, 2025.

As of March 31, 2026, loans made to related parties of the Company totaled $305.7 million. These loans primarily consist of loans made by the Bank to related parties of the Company, which were made in the ordinary course of business of the Bank and otherwise on terms consistent with those available to all customers.


	March 31, 2026
	(dollars in thousands)
Balance of loans to related parties, beginning of year	$	340,010
New loans	8,725
Repayments	(10,244)
Change in relationship	(32,839)
Balance of loans to related parties, March 31, 2026	$	305,653

The Company evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary, by the Company upon extension of credit is based on management's credit evaluation of the customer. Collateral held varies, but may include accounts receivable, inventory, property, plant, equipment, and income-producing commercial properties. The Company's banking markets are located throughout the states of Missouri, Kansas, Oklahoma and Colorado and the Company's loan portfolio has no unusual geographic concentrations of credit risk beyond its market areas.

Allowance for Credit Losses

The allowance for credit losses is measured using an average historical loss model which incorporates relevant information about past events (including historical credit loss experience on loans with similar risk characteristics), current conditions, and reasonable and supportable forecasts that affect the collectability of the remaining cash flows over the contractual term of the loans. The allowance for credit losses is measured on a collective (pool) basis. Loans are aggregated into pools based on similar risk characteristics including borrower type and collateral type - construction and development, commercial, financial, and agricultural, multifamily residential real estate, non-owner occupied real estate, owner-occupied real estate, home equity lines of credit, all other residential real estate, consumer credit card, and all other consumer credit. Loans that do not share similar risk characteristics, primarily large loans on non-accrual status, are evaluated on an individual basis.

For loans evaluated for credit losses on a collective basis, an average historical loss rate is calculated for each pool using the Company's historical net charge-offs (combined charge-offs and recoveries by observable historical reporting period) and outstanding loan balances during a look back period. Look back periods can be different based on the individual pool and represent management's credit expectations for the pool of loans over the remaining contractual period. Due to changes in portfolio composition, the Company's own historical loss rates are not fully reflective of loss expectations and have been augmented by industry and peer data. Therefore, the historical loss rates are augmented by peer data. The calculated average net charge-off rate is then adjusted for current conditions and reasonable and supportable forecasts. These adjustments increase or decrease the average historical loss rate to reflect expectations of future losses given a single path economic forecast of key macroeconomic variables including GDP, unemployment rate, various interest rates, HPI, and CREPI. The adjustments are based on results from various regression models projecting the impact of the macroeconomic variables to loss rates. The forecast is used for four quarters and then reverts back to historical averages using a four-quarter straight-line reversion method. The forecast adjusted loss rate is applied to the amortized cost of loans over the remaining contractual lives, adjusted for expected prepayments. The contractual term excludes expected extensions (except for contractual extensions at the option of the customer), renewals and modifications. Credit cards and certain similar consumer lines of credit, included in the individual loan totals, do not have stated maturities and therefore, for these loan classes, remaining contractual lives are determined by estimating future cash flows expected to be received from customers until payments have been fully allocated to outstanding balances. Additionally, the allowance for credit losses considers other qualitative factors not included in historical loss rates or macroeconomic forecast such as changes in portfolio composition, underwriting practices, or significant unique events or conditions.

Key model assumptions in the Company's allowance for credit loss model include the economic forecast, the reasonable and supportable forecast period, prepayment assumptions and qualitative factors applied for portfolio composition changes, underwriting practices, or significant unique events or conditions. The assumptions utilized in estimating the Company's allowance for credit losses at March 31, 2026 and December 31, 2025 are discussed below.


Key Assumption	March 31, 2026	December 31, 2025
Overall economic forecast	- Forecast provided by Oxford Economics - The baseline forecast reflects impact from the Iran war, with consumer prices pushed markedly higher. The forecast assumes the war wraps up in coming months and is not a prolonged conflict. - Increased uncertainty and softer demand will delay labor market improvement, keeping unemployment higher for longer.	- Forecast provided by Oxford Economics - Expect the economy to continue to expand, with strong AI related investment with no sign of slowing down - The labor market is softening, affecting real disposable income growth. However, consumer spending is holding up with tariffs driving the cost of core goods.
Reasonable and supportable period and related reversion period	- 4 quarter reasonable and supportable period - 4 quarter reversion to historical average loss rates using straight line method	- 4 quarter reasonable and supportable period - 4 quarter reversion to historical average loss rates using straight line method
Forecasted macro-economic variables	- Unemployment ranging from 4.5% to 4.3% - GDP growth forecast of 2.4% -Prime rate is 6.75%, declining to 6.25% at the end of the supportable forecast	- Unemployment ranging from 4.1% to 4.4% - GDP growth forecast of 2.0% -Prime rate is 6.75%, declining to 6.25% at the end of the supportable forecast
Prepayment assumptions	- Commercial loan prepayment speeds of 14.4% - Mortgage and HELOC prepayment speeds of 18.3% - Consumer loan and credit card prepayment speeds of 15.0%	- Commercial loan prepayment speeds of 14.4% - Mortgage and HELOC prepayment speeds of .18.3% - Consumer loan and credit card prepayment speeds of 15.0%
Qualitative factors	Qualitative adjustments for: - Economic, government policy, and geopolitical uncertainties - Impact of inflation and interest rates on borrower ability to repay - Changes in portfolio composition, concentrations, and underwriting standards	Qualitative adjustments for: - Impact of inflation, tariffs, and interest rates on borrower ability to repay - Economic, government policy, and geopolitical uncertainties - Changes in portfolio composition, concentrations, and underwriting standards

The liability for unfunded lending commitments utilizes the same model as the allowance for credit losses on loans, however, the liability for unfunded lending commitments incorporates an assumption for the portion of unfunded commitments that are expected to be funded. The unfunded commitments allowance is included within other liabilities on the consolidated balance sheets.

Sensitivity in the Allowance for Credit Loss Model

The allowance for credit losses is an estimate that requires significant judgment including projections of the macro-economic environment. The forecasted macro-economic environment continuously changes which can cause fluctuations in estimated expected losses.


	Three Months Ended March 31, 2026
					Commercial real estate				Residential real estate				Consumer
	Construction & development		Commercial, financial & agricultural		Non-owner occupied CRE		Owner occupied CRE		Residential mortgage loans		Home equity line of credit		Consumer credit card		All other consumer		Total
	(dollars in thousands)
Allowance for credit losses on loans
Balance at beginning of period	$	14,983	$	23,474	$	24,637	$	10,260	$	48,341	$	5,542	$	8,806	$	13,631	$	149,674
Provision for credit losses on loans	(2,765)		2,072		817		401		749		307		646		898		3,125
Loans charged off	-		(1,844)		-		(103)		(83)		(14)		(1,121)		(2,333)		(5,498)
Recoveries on loans previously charged off	1		1,425		153		51		21		1		272		664		2,588
Balance at end of period	$	12,219	$	25,127	$	25,607	$	10,609	$	49,028	$	5,836	$	8,603	$	12,860	$	149,889
Liability for unfunded commitments
Balance at beginning of period	$	104	$	116	$	8	$	7	$	9	$	105	$	-	$	-	$	349
Provision for credit losses on unfunded lending commitments	(13)		22		-		2		1		8		-		-		20
Balance at end of period	$	91	$	138	$	8	$	9	$	10	$	113	$	-	$	-	$	369
Allowance for credit losses on loans and liability for unfunded lending commitments	$	12,310	$	25,265	$	25,615	$	10,618	$	49,038	$	5,949	$	8,603	$	12,860	$	150,258


	Three Months Ended March 31, 2025
					Commercial real estate				Residential real estate				Consumer
	Construction & development		Commercial, financial & agricultural		Non-owner occupied CRE		Owner occupied CRE		Residential mortgage loans		Home equity line of credit		Consumer credit card		All other consumer		Total
	(dollars in thousands)
Allowance for credit losses on loans
Balance at beginning of period	$	14,119	$	23,915	$	24,815	$	9,940	$	43,471	$	4,505	$	8,299	$	25,215	$	154,279
Provision for credit losses on loans	(1,144)		328		2,383		510		587		250		335		(337)		2,912
Loans charged off	-		(786)		(816)		-		(169)		-		(834)		(3,022)		(5,627)
Recoveries on loans previously charged off	16		417		-		1		111		2		190		1,437		2,174
Balance at end of period	$	12,991	$	23,874	$	26,382	$	10,451	$	44,000	$	4,757	$	7,990	$	23,293	$	153,738
Liability for unfunded commitments
Balance at beginning of period	$	165	$	161	$	6	$	10	$	7	$	135	$	-	$	-	$	484
Provision for credit losses on unfunded lending commitments	66		(23)		-		(1)		6		(42)		-		-		6
Balance at end of period	$	231	$	138	$	6	$	9	$	13	$	93	$	-	$	-	$	490
Allowance for credit losses on loans and liability for unfunded lending commitments	$	13,222	$	24,012	$	26,388	$	10,460	$	44,013	$	4,850	$	7,990	$	23,293	$	154,228

Age Analysis of Past Due and Nonaccrual Loans

The Company considers loans past due on the day following the contractual repayment date if the contractual repayment was not received by the Company as of the end of the business day. The following table provides aging information on the Company's past due and accruing loans, in addition to the balances of loans on non-accrual status, at March 31, 2026 and December 31, 2025. Balances in the tables below represent total unpaid principal balances gross of unearned and unamortized loan fees and costs.


	March 31, 2026
	Current or less than 30 days past due		30 - 89 Days past due		90 Days past due and still accruing		Nonaccrual		Total
Loans held for investment:	(dollars in thousands)
Construction and development	$	512,330	$	274	$	-	$	77	$	512,681
Commercial, financial & agricultural	1,726,479		3,890		38		10,282		1,740,689
Non-owner-occupied commercial real estate	3,249,170		8,430		-		9,408		3,267,008
Owner-occupied commercial real estate	1,576,598		3,597		-		3,266		1,583,461
Total commercial real estate	4,825,768		12,027		-		12,674		4,850,469
Total commercial loans	7,064,577		16,191		38		23,033		7,103,839
Residential mortgage loans	3,380,559		18,047		205		24,335		3,423,146
Home equity lines of credit	420,147		1,228		125		1,237		422,737
Consumer credit card	91,960		868		343		-		93,171
Other consumer loans	488,302		7,958		-		2,759		499,019
Total residential and consumer loans	4,380,968		28,101		673		28,331		4,438,073
Total	$	11,445,545	$	44,292	$	711	$	51,364	$	11,541,912


	December 31, 2025
	Current or less than 30 days past due		30 - 89 Days past due		90 Days past due and still accruing		Nonaccrual		Total
Loans held for investment:	(dollars in thousands)
Construction and development	$	570,668	$	-	$	-	$	81	$	570,749
Commercial, financial & agricultural	1,751,575		4,097		34		5,581		1,761,287
Non-owner-occupied commercial real estate	3,137,206		4,056		-		9,007		3,150,269
Owner-occupied commercial real estate	1,575,921		1,797		-		2,542		1,580,260
Total commercial real estate	4,713,127		5,853		-		11,549		4,730,529
Total commercial loans	7,035,370		9,950		34		17,211		7,062,565
Residential mortgage loans	3,283,403		12,943		862		23,893		3,321,101
Home equity lines of credit	408,114		1,361		167		1,203		410,845
Consumer credit card	96,988		1,042		280		-		98,310
Other consumer loans	539,260		9,779		-		2,356		551,395
Total residential and consumer loans	4,327,765		25,125		1,309		27,452		4,381,651
Total	$	11,363,135	$	35,075	$	1,343	$	44,663	$	11,444,216

At March 31, 2026 and December 31, 2025, the Company had $15.2 million and $16.9 million, respectively, of non-accrual commercial loans that had no allowance for credit loss. The interest income recorded on nonaccrual loans was approximately $0.2 million and $0.3 million in the first three months of 2026 and 2025, respectively.

The following table provides information about the credit quality of the loan portfolio using the Company's internal rating system reflecting management's risk assessment. The pass category consists of a range of loan grades that reflect low to moderate, though still acceptable, risk. Loans are placed on watch status when (1) one or more weaknesses which could jeopardize timely liquidation exists; or (2) the margin or liquidity of an asset is sufficiently tenuous that adverse trends could result in a collection problem. Loans classified as substandard are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified may have a well-defined weakness or weaknesses that jeopardize the repayment of the debt. Such loans are characterized by the distinct possibility that the Company may sustain some loss if the deficiencies are not corrected. Loans are placed on nonaccrual status when (1) deterioration in the financial condition of the borrower exists for which payment of full

principal and interest is not expected, or (2) upon which principal or interest has been in default for a period of 90 days or more and the asset is not both well secured and in the process of collection.

Loans are analyzed for risk rating updates as part of the annual credit review process. For larger loans, rating assessments may be more frequent if relevant information is obtained earlier through debt covenant or overall relationship management. Smaller loans are monitored as identified by the loan officer based on the risk profile of the individual borrower or if the loan becomes past due related to credit issues. Loans rated Watch, Substandard or Non-accrual may be subject to more frequent review and monitoring processes. In addition to the regular monitoring performed by the market lending personnel and credit committees, loans are subject to review by the Loan Review Department which verifies the appropriateness of the risk ratings for the loans chosen as part of its risk-based review plan.

The risk category of loans in the portfolio as of March 31, 2026 and December 31, 2025 are as follows:


	March 31, 2026
	Term Loans Amortized Cost Basis by Origination Year
	2026		2025		2024		2023		2022		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
Construction and development
Risk Rating
Pass	$	21,826	$	165,052	$	166,525	$	17,905	$	59,312	$	32,641	$	37,070	$	500,331
Watch	-		542		358		-		4,109		-		-		5,009
Substandard	-		1,913		2,612		-		2,264		475		-		7,264
Non-accrual	-		-		-		-		-		77		-		77
Total construction and development	21,826		167,507		169,495		17,905		65,685		33,193		37,070		512,681
Gross write-offs for the three months ended March 31, 2026	-		-		-		-		-		-		-		-
Commercial, financial & agricultural
Risk Rating
Pass	108,245		344,881		233,866		135,276		138,574		277,179		469,569		1,707,590
Watch	769		433		1,318		684		444		5,466		1,082		10,196
Substandard	209		1,167		911		1,178		534		8,306		316		12,621
Non-accrual	-		214		191		1,414		3,166		4,690		607		10,282
Total commercial, financial & agricultural	109,223		346,695		236,286		138,552		142,718		295,641		471,574		1,740,689
Gross write-offs for the three months ended March 31, 2026	17		550		275		173		(1)		334		496		1,844
Non-owner occupied CRE
Risk Rating
Pass	104,465		422,725		287,221		269,844		560,914		1,434,450		44,740		3,124,359
Watch	-		2,951		524		1,712		19,493		56,022		559		81,261
Substandard	-		-		916		4,986		23,475		22,603		-		51,980
Non-accrual	-		-		-		-		6,565		2,843		-		9,408
Total non-owner occupied CRE	104,465		425,676		288,661		276,542		610,447		1,515,918		45,299		3,267,008
Gross write-offs for the three months ended March 31, 2026	-		-		-		-		-		-		-		-
Owner occupied CRE
Risk Rating
Pass	58,043		244,856		129,615		108,991		168,594		700,161		113,689		1,523,949
Watch	391		-		1,136		2,577		2,863		16,830		979		24,776
Substandard	975		412		2,030		3,623		13,783		9,101		1,546		31,470
Non-accrual	-		-		-		140		1,127		1,999		-		3,266
Total owner occupied CRE	59,409		245,268		132,781		115,331		186,367		728,091		116,214		1,583,461
Gross write-offs for the three months ended March 31, 2026	48		-		-		-		-		55		-		103


	March 31, 2026
	Term Loans Amortized Cost Basis by Origination Year
	2026		2025		2024		2023		2022		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
Residential mortgage loans

Accrual	261,883		886,239		486,135		396,501		511,485		794,978		61,590		3,398,811
Non-accrual	-		508		6,071		8,338		2,996		6,422		-		24,335
Total Residential mortgage loans	261,883		886,747		492,206		404,839		514,481		801,400		61,590		3,423,146
Gross write-offs for the three months ended March 31, 2026	83		-		-		-		-		-		-		83
Home equity lines of credit

Accrual	376		323		411		21		97		2,882		417,390		421,500
Non-accrual	-		-		-		-		-		-		1,237		1,237
Total home equity lines of credit	376		323		411		21		97		2,882		418,627		422,737
Gross write-offs for the three months ended March 31, 2026	14		-		-		-		-		-		-		14
Consumer credit card

Current	-		-		-		-		-		-		91,960		91,960
30-89 days	-		-		-		-		-		-		868		868
90+days	-		-		-		-		-		-		343		343
Total consumer credit card	-		-		-		-		-		-		93,171		93,171
Gross write-offs for the three months ended March 31, 2026	-		-		-		-		-		-		1,121		1,121
All other consumer

Current	27,831		94,424		90,614		95,366		81,292		71,156		27,619		488,302
30-89 days	13		823		806		2,265		2,478		1,573		-		7,958
90+ days	-		-		-		-		-		-		-		-
Non-accrual	-		296		475		775		642		571		-		2,759
Total all other consumer	27,844		95,543		91,895		98,406		84,412		73,300		27,619		499,019
Gross write-offs for the three months ended March 31, 2026	300		270		232		663		575		293		-		2,333
Total loans	$	585,026	$	2,167,759	$	1,411,735	$	1,051,596	$	1,604,207	$	3,450,425	$	1,271,164	$	11,541,912
Gross write-offs for the three months ended March 31, 2026	462		820		507		836		574		682		1,617		5,498


	December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
Construction and development
Risk Rating
Pass	$	165,449	$	207,312	$	27,395	$	71,348	$	36,631	$	17,334	$	32,568	$	558,037
Watch	529		244		1,486		3,490		-		-		-		5,749
Substandard	-		-		4,095		2,266		-		521		-		6,882
Non-accrual	-		-		-		-		-		81		-		81
Total construction and development	165,978		207,556		32,976		77,104		36,631		17,936		32,568		570,749
Gross write-offs for the year ended December 31, 2025	-		-		-		-		-		14		-		14


	December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year
	2025	2024	2023	2022	2021	Prior	Revolving loans amortized cost basis	Total
	(dollars in thousands)
Commercial, financial & agricultural
Risk Rating
Pass	383,642	257,121	147,877	154,197	94,111	211,879	475,596	1,724,423
Watch	1,883	1,294	891	652	98	204	1,082	6,104
Substandard	1,981	1,428	1,113	1,242	7,922	11,211	282	25,179
Non-accrual	38	47	1,439	2,990	47	315	705	5,581
Total commercial, financial & agricultural	387,544	259,890	151,320	159,081	102,178	223,609	477,665	1,761,287
Gross write-offs for the year ended December 31, 2025	1,393	358	1,148	824	100	746	180	4,749
Non-owner occupied CRE
Risk Rating
Pass	417,956	257,298	270,435	572,181	421,783	1,063,545	33,545	3,036,743
Watch	-	527	237	6,487	-	49,660	387	57,298
Substandard	-	921	-	23,488	9,538	13,274	-	47,221
Non-accrual	-	-	-	6,164	25	2,818	-	9,007
Total non-owner occupied CRE	417,956	258,746	270,672	608,320	431,346	1,129,297	33,932	3,150,269
Gross write-offs for the year ended December 31, 2025	-	-	-	-	-	816	-	816
Owner occupied CRE
Risk Rating
Pass	231,225	132,459	110,736	173,201	235,419	517,212	111,649	1,511,901
Watch	1,133	1,154	4,080	3,006	5,634	16,519	1,229	32,755
Substandard	418	2,050	3,623	15,059	904	9,137	1,871	33,062
Non-accrual	-	-	72	1,182	259	1,029	-	2,542
Total owner occupied CRE	232,776	135,662	118,510	192,448	242,217	543,898	114,749	1,580,260
Gross write-offs for the year ended December 31, 2025	-	-	-	384	-	-	-	384
Residential mortgage loans

Accrual	912,652	544,631	429,302	529,876	394,244	440,662	45,841	3,297,208
Non-accrual	510	4,328	8,425	3,002	4,121	3,507	-	23,893
Total Residential mortgage loans	913,162	548,959	437,727	532,878	398,365	444,169	45,841	3,321,101
Gross write-offs for the year ended December 31, 2025	263	30	189	158	91	-	-	731
Home equity lines of credit

Accrual	1,061	16	598	99	249	2,707	404,912	409,642
Non-accrual	-	-	-	-	-	-	1,203	1,203
Total home equity lines of credit	1,061	16	598	99	249	2,707	406,115	410,845
Gross write-offs for the year ended December 31, 2025	25	-	-	-	-	-	39	64
Consumer credit card

Current	-	-	-	-	-	-	96,988	96,988
30-89 days	-	-	-	-	-	-	1,042	1,042
90+days	-	-	-	-	-	-	280	280
Total consumer credit card	-	-	-	-	-	-	98,310	98,310
Gross write-offs for the year ended December 31, 2025	-	-	-	-	-	-	3,452	3,452


	December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
All other consumer

Current	108,542		103,299		109,084		95,649		46,525		36,933		39,228		539,260
30-89 days	647		1,573		2,400		2,872		1,424		863		-		9,779
90+ days	-		-		-		-		-		-		-		-
Non-accrual	201		259		673		605		360		258		-		2,356
Total all other consumer	109,390		105,131		112,157		99,126		48,309		38,054		39,228		551,395
Gross write-offs for the year ended December 31, 2025	3,172		1,201		2,004		2,112		1,285		1,212		-		10,986
Total loans	$	2,227,867	$	1,515,960	$	1,123,960	$	1,669,056	$	1,259,295	$	2,399,670	$	1,248,408	$	11,444,216
Gross write-offs for the year ended December 31, 2025	$	4,853	$	1,589	$	3,341	$	3,478	$	1,476	$	2,788	$	3,671	$	21,196

Collateral-dependent loans

The Company's collateral-dependent loans are comprised of loans where repayment of the loan is dependent on the sale or operation of the collateral. The Company requires that collateral-dependent loans be either over-collateralized or carry collateral equal to the amortized cost of the loan. The following table presents the amortized cost basis of collateral-dependent loans as of March 31, 2026 and December 31, 2025, by the expected source of repayment.


	March 31, 2026
	Real Estate		Business Assets		Total
	(dollars in thousands)
Construction and development	$	2,099	$	-	$	2,099
Commercial, financial & agricultural	-		8,975		8,975
Non-owner-occupied commercial real estate	9,429		-		9,429
Owner-occupied commercial real estate	4,030		-		4,030
Residential mortgage loans	424		-		424
Home equity lines of credit	39		-		39


Total	$	16,021	$	8,975	$	24,996


	December 31, 2025
	Real Estate		Business Assets		Total
	(dollars in thousands)
Construction and development	$	2,530	$	-	$	2,530
Commercial, financial & agricultural	-		4,404		4,404
Non-owner-occupied commercial real estate	9,029		-		9,029
Owner-occupied commercial real estate	4,049		-		4,049
Residential mortgage loans	616		-		616
Home equity lines of credit	-		-		-


Total	$	16,224	$	4,404	$	20,628

Modifications for borrowers experiencing financial difficulty

The Company adopted ASU 2022-02 on January 1, 2023 which required that the Company evaluate whether modifications represent a new loan or a continuation of existing loans. When borrowers are experiencing financial difficulty, the Company may agree to modify the contractual terms of a loan to a borrower to assist the borrower in repaying principal and interest owed to the Company.

The Company's modification of loans to borrowers experiencing financial difficulty are generally in the form of term extensions, repayment plans, payment deferrals, forbearance agreements, interest rate reductions, forgiveness of interest and/or fees, or any combination thereof. Commercial loans modified to borrowers experiencing financial difficulty

are primarily loans that are substandard or non-accrual, where the maturity date was extended. Modifications on personal real estate loans are primarily those placed on forbearance plans, repayment plans, or deferral plans where monthly payments are suspended for a period of time or past due amounts are paid off over a certain period of time in the future or set up as a balloon payment at maturity. Modifications to certain credit card and other small consumer loans are often modified under debt counseling programs that can reduce the contractual rate, or, in certain instances, forgive certain fees and interest charges. Other consumer loans modified to borrowers experiencing financial difficulty consist of various other workout arrangements with consumer customers.

The following tables present the amortized cost at March 31, 2026 and 2025 of loans that were modified during the three months ended March 31, 2026 and 2025.


	Three Months Ended March 31, 2026
	Term Extension		Payment Delay		Interest Rate Reduction		Interest/Fees Forgiven		Other		Total		% of Total Loan Category

	(dollars in thousands)
Construction and development	$	6,633	$	-	$	-	$	-	$	-	$	6,633	1.29	%
Commercial, financial & agricultural	544		-		-		-		-		544		0.03	%
Non-owner occupied CRE	19,904		892		-		-		-		20,796		0.64	%
Owner occupied CRE	4,430		229		-		-		-		4,659		0.29	%
Total commercial real estate	24,334		1,121		-		-		-		25,455		0.52	%
Residential mortgage loans	5,106		-		501		-		177		5,784		0.17	%
Home equity lines of credit	-		-		-		-		-		-		-	%
Total residential loans	5,106		-		501		-		177		5,784		0.15	%
All other consumer	66		-		147		-		-		213		0.04	%
Total	$	36,683	$	1,121	$	648	$	-	$	177	$	38,629	0.33	%


	Three Months Ended March 31, 2025
	Term Extension		Payment Delay		Interest Rate Reduction		Interest/Fees Forgiven		Other		Total		% of Total Loan Category

	(dollars in thousands)
Construction and development	$	119	$	-	$	-	$	-	$	-	$	119	0.02	%
Commercial, financial & agricultural	74		-		7		1,291		-		1,372		0.08	%
Non-owner occupied CRE	9,159		-		-		-		-		9,159		0.28	%
Owner occupied CRE	620		-		934		1,720		-		3,274		0.20	%
Total commercial real estate	9,779		-		934		1,720		-		12,433		0.25	%
Residential mortgage loans	942		275		1,245		50		-		2,512		0.09	%
Home equity lines of credit	255		-		-		-		-		255		0.07	%
Total residential loans	1,197		275		1,245		50		-		2,767		0.09	%
All other consumer	322		395		114		-		-		831		0.09	%
Total	$	11,491	$	670	$	2,300	$	3,061	$	-	$	17,522	0.15	%

The estimate of lifetime expected losses utilized in the allowance for credit losses model is developed using average historical experience on loans with similar risk characteristics, which includes losses from modifications of loans to borrowers experiencing financial difficulty. As a result, a change to the allowance for credit losses is generally not recorded upon modification. For modifications to loans made to borrowers experiencing financial difficulty that are placed on nonaccrual status, the Company determines the allowance for credit losses on an individual evaluation, using the same process that it utilizes for other loans on nonaccrual status.

If a loan to a borrower experiencing financial difficulty is modified and when full and timely collection becomes uncertain, the allowance for credit losses continues to be based on individual evaluation, if that loan is already on nonaccrual status. For those loans, the allowance for credit losses is estimated using discounted expected cash flows or the fair value of collateral. If an accruing loan made to a borrower experiencing financial difficulty is modified and subsequently deemed uncollectible, the loan's risk rating is downgraded to nonaccrual status and the loan's related allowance for credit losses is determined based on individual evaluation, or if necessary, the loan is charged off and collection efforts begin.

The following tables summarize the financial impact of loan modifications and payment deferrals during the year ended March 31, 2026 and 2025.


	Three Months Ended March 31, 2026
	Interest/Fees Forgiveness		Weighted-Average Months of Deferred Payments	Weighted-Average Months of Term Extensions	Weighted-Average Interest Rate Reduction
	(dollars in thousands)
Construction and development	$	-	-	4	-	%
Commercial, financial & agricultural	-		-	10	-	%
Non-owner occupied CRE	-		116	4	-	%
Owner occupied CRE	-		1	5	-	%
Residential mortgage loans	-		-	20	5.52	%
Home equity lines of credit	-		-	-	-	%
All other consumer	-		-	2	7.59	%
Total	$	-


	Three Months Ended March 31, 2025
	Interest/Fees Forgiveness		Weighted-Average Months of Deferred Payments	Weighted-Average Months of Term Extensions	Weighted-Average Interest Rate Reduction
	(dollars in thousands)
Construction and development	$	-	-	6	-	%
Commercial, financial & agricultural	3		-	15	-	%
Non-owner occupied CRE	-		-	14	-	%
Owner occupied CRE	7		-	15	0.50	%
Residential mortgage loans	3		5	48	0.98	%
Home equity lines of credit	-		-	-	-	%
All other consumer	-		24	5	3.10	%
Total	$	13


	Three Months Ended March 31, 2026
	Term Extension		Payment Delay		Interest Rate Reduction		Interest/Fee Forgiveness		Other		Total		% of Total Loan Category

	(dollars in thousands)
Construction and development	$	118	$	-	$	-	$	-	$	-	$	118	0.02	%
Commercial, financial & agricultural	725		212		115		-		-		1,052		0.06	%
Non-owner-occupied commercial real estate	-		-		-		-		6,069		6,069		0.19	%
Owner-occupied commercial real estate	189		1,127		-		-		-		1,316		0.08	%
Total commercial real estate	189		1,127		-		-		6,069		7,385		0.15	%
Residential mortgage loans	-		-		-		-		-		-		0.00	%
Home equity lines of credit	-		-		-		-		-		-		0.00	%
Total residential loans	-		-		-		-		-		-		0.00	%
All other consumer	89		-		36		-		-		125		0.02	%
Total	$	1,120	$	1,339	$	151	$	-	$	6,069	$	8,679	0.08	%


	Three Months Ended March 31, 2025
	Term Extension		Payment Delay		Interest Rate Reduction		Interest/Fee Forgiveness		Other		Total		% of Total Loan Category

	(dollars in thousands)
Construction and development	$	1,869	$	-	$	-	$	-	$	-	$	1,869	0.24	%
Commercial, financial & agricultural	98		-		-		-		-		98		0.01	%
Non-owner-occupied commercial real estate	3,340		-		-		-		-		3,340		0.10	%
Owner-occupied commercial real estate	1,412		-		-		-		-		1,412		0.09	%
Total commercial real estate	4,752		-		-		-		-		4,752		0.10	%
Residential mortgage loans	485		-		-		-		-		485		0.02	%
Home equity lines of credit	-		-		-		-		-		-		0.00	%
Total residential loans	485		-		-		-		-		485		0.02	%
All other consumer	21		-		110		-		-		131		0.01	%
Total	$	7,225	$	-	$	110	$	-	$	-	$	7,335	0.06	%


	March 31, 2026
	Current		30-89 Days Past Due		90 Days Past Due		Non-accrual		Total
	(dollars in thousands)
Construction and development	$	8,754	$	-	$	-	$	195	$	8,949
Commercial, financial & agricultural	1,058		126		-		3,402		4,586
Non-owner-occupied commercial real estate	11,679		16,439		-		6,565		34,683
Owner-occupied commercial real estate	12,206		-		-		1,435		13,641
Total commercial real estate	23,885		16,439		-		8,000		48,324
Residential mortgage loans	3,634		27		-		5,495		9,156
Home equity lines of credit	450		-		-		-		450
Total residential loans	4,084		27		-		5,495		9,606
All other consumer	369		175		-		89		633
Total	$	38,150	$	16,767	$	-	$	17,181	$	72,098


	March 31, 2025
	Current		30-89 Days Past Due		90 Days Past Due		Non-accrual		Total
	(dollars in thousands)
Construction and development	$	2,785	$	-	$	-	$	1,743	$	4,528
Commercial, financial & agricultural	4,582		-		-		344		4,926
Non-owner-occupied commercial real estate	11,176		-		-		11,281		22,457
Owner-occupied commercial real estate	6,480		-		-		1,756		8,236
Total commercial real estate	17,656		-		-		13,037		30,693
Residential mortgage loans	2,751		580		-		4,948		8,279
Home equity lines of credit	-		-		-		-		-
Total residential loans	2,751		580		-		4,948		8,279
All other consumer	1,919		-		-		-		1,919
Total	$	29,693	$	580	$	-	$	20,072	$	50,345

The Company had commitments of $1.2 million and $0.6 million at March 31, 2026 and December 31, 2025, respectively, to lend additional funds to borrowers experiencing financial difficulty and for whom the Company has modified the terms of loans.

Consolidated Statement of Changes in Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Statement of Stockholders' Equity [Abstract]
Dividends paid (in dollars per share)	$ 0.12	$ 0.055

Consolidated Statement of Changes in Stockholders' Equity - USD ($) $ in Thousands	Total	Class A Common Stock	Capital Surplus	Retained Earnings	Treasury Stock	Accumulated Other Comprehensive Loss
Beginning balance at Dec. 31, 2024	$ 3,110,661	$ 2,978	$ 13,319	$ 3,333,669	$ (99,380)	$ (139,925)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	94,798			94,798
Other comprehensive income	49,060					49,060
Purchase treasury stock	0				0
Cash dividends paid on common stock ($0.12 per share)	(12,121)			(12,121)
Stock-based compensation	934		934
Issuance under equity compensation plans	295		(132)		427
Ending balance at Mar. 31, 2025	3,243,627	2,978	14,121	3,416,346	(98,953)	(90,865)
Beginning balance at Dec. 31, 2025	3,783,977	3,182	419,421	3,477,408	(99,162)	(16,872)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	111,088			111,088
Other comprehensive income	(37,179)					(37,179)
Purchase treasury stock	(31,143)				(31,143)
Cash dividends paid on common stock ($0.12 per share)	(28,935)			(28,935)
Stock-based compensation	1,004		1,004
Issuance under equity compensation plans	(487)		2	3	(492)
Ending balance at Mar. 31, 2026	$ 3,798,326	$ 3,182	$ 420,427	$ 3,559,565	$ (130,797)	$ (54,051)

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

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- Definition

Amount of equity (deficit) attributable to parent. Excludes temporary equity and equity attributable to noncontrolling interest.

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+ Details

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Allowance for credit losses	$ 10	$ 10
Fair Value	$ 1,539	$ 1,700
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	50,000,000	50,000,000
Preferred stock, shares issued (in shares)	0	0
Treasury stock (in shares)	78,460,508	77,141,300
Common Class A
Common stock, par value (in dollars per share)		$ 0.01
Common stock, shares authorized (in shares)		500,000,000
Common stock, shares issued (in shares)	318,247,550	318,247,550
Common Class B
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	50,000,000	50,000,000
Common stock, shares issued (in shares)	0	0

Customer Repurchase Agreements (Tables)

3 Months Ended

Mar. 31, 2026

Statistical Disclosure for Banks [Abstract]

Schedule of Remaining Contractual Maturities of Repurchase Agreements Outstanding


	March 31, 2026
	Remaining Contractual Maturity of the Agreements
	Overnight and continuous		Up to 90 days		Greater than 90 days		Total
	(dollars in thousands)
Repurchase agreements, secured by:
U.S. government and federal agency obligations	$	48,802	$	-	$	-	$	48,802
Government-sponsored enterprise obligations	10,201		-		-		10,201
Mortgage-backed securities	885,499		-		-		885,499

Total repurchase agreements, gross amount recognized	$	944,502	$	-	$	-	$	944,502


	December 31, 2025
	Remaining Contractual Maturity of the Agreements
	Overnight and continuous		Up to 90 days		Greater than 90 days		Total
	(dollars in thousands)
Repurchase agreements, secured by:
U.S. government and federal agency obligations	$	29,667	$	-	$	-	$	29,667
Government-sponsored enterprise obligations	9,181		-		-		9,181
Mortgage-backed securities	906,962		-		-		906,962

Total repurchase agreements, gross amount recognized	$	945,811	$	-	$	-	$	945,811

Mortgage Banking Activities (Tables)

3 Months Ended

Mar. 31, 2026

Transfers and Servicing [Abstract]

Schedule of Components of Mortgage Banking Revenue

Included in mortgage banking revenues in the accompanying consolidated statements of income for March 31, 2026 and 2025 are the following:


	Three Months Ended March 31,
	2026		2025
	(dollars in thousands)
Gains on sale of mortgage loans	$	6,285	$	5,530
Fees on real estate loans sold	541		389
(Losses) on interest rate lock commitments (IRLC) and associated hedging	(131)		(95)
Servicing fees	2,841		2,903
Mortgage banking revenues, net	$	9,536	$	8,727

Schedule of Weighted Average Assumptions Used in the Calculation of Fair Value of MSRs

The following assumptions were used in determining the fair value of the capitalized mortgage servicing rights:


	Three Months Ended March 31,
	2026		2025
Discount rate	9.16	%	9.17	%
Prepayment speed	6.60	%	6.30	%
Delinquency rate	0.80	%	0.69	%

Schedule of Changes to MSRs

A summary of the mortgage servicing rights is as follows:


	Three Months Ended March 31,
	2026		2025
	(dollars in thousands)
Balance at beginning of period	$	29,391	$	30,423
Capitalized mortgage servicing rights	1,398		775
Amortization	(1,532)		(1,403)
Change in valuation allowance	-		-
Balance at end of period	$	29,257	$	29,795

Fair Value Disclosures

3 Months Ended

Mar. 31, 2026

Fair Value Disclosures [Abstract]

Fair Value Disclosures

Fair Value Hierarchy

The Company uses fair value measurements to record fair value adjustments to certain financial and nonfinancial assets and liabilities and to determine fair value disclosures. Various financial instruments such as AFS and trading securities are recorded at fair value on a recurring basis. Additionally, from time to time, the Company may be required to record at fair value other assets and liabilities on a nonrecurring basis, such as loans, loans held for sale, mortgage servicing rights, and certain other investment securities. These nonrecurring fair value adjustments typically involve lower of cost or market accounting or write-downs of individual assets.

Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Depending on the nature of the asset or liability, the Company uses various valuation techniques and assumptions when estimating fair value, which are in accordance with ASC 820. ASC 820 establishes a three-level valuation hierarchy for disclosure of fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows:

•Level 1 - inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets.

•Level 2 - inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the assets or liabilities, either directly or indirectly (such as interest rates, yield curves, and prepayment speeds).

•Level 3 - inputs to the valuation methodology are unobservable and significant to the fair value. These may be internally developed, using the Company's best information and assumptions that a market participant would consider.

The valuation methodologies for assets and liabilities measured at fair value on a recurring and non-recurring basis are described in Note 16, “Fair Value Disclosures” to the Company's 2025 Annual Report on Form 10-K. There have been no significant changes in these methodologies since then.

Instruments Measured at Fair Value on a Recurring Basis


	Fair Value March 31, 2026		Fair value measurements at report date using
			Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
	(dollars in thousands)
Assets:
Loans held for sale	$	29,457	$	-	$	29,457	$	-
Available for sale investment securities:
U.S. government obligations and government-sponsored enterprises	6,720,940		1,097,308		5,623,633		-
Obligations of states and political subdivisions	15,892		-		15,892		-
Other securities	4,740		610		4,129		-
Equity investments	48,174		-		36,661		11,513

Derivatives	7,732		-		7,732		-
Total assets	$	6,826,934	$	1,097,918	$	5,717,503	$	11,513

Liabilities:
Derivatives	$	6,168	$	-	$	6,168	$	-
Total liabilities	$	6,168	$	-	$	6,168	$	-


			Fair value measurements at report date using
	Fair Value December 31, 2025		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
	(dollars in thousands)
Assets:
Loans held for sale	$	54,119	$	-	$	54,119	$	-
Available for sale investment securities:
U.S. government obligations and government-sponsored enterprises	6,349,320		928,287		5,421,033		-
Obligations of states and political subdivisions	16,644		-		16,644		-
Other securities	6,499		1,018		5,481		-
Equity investments	48,200		-		36,690		11,510

Derivatives	7,969		-		7,969		-
Total assets	$	6,482,752	$	929,305	$	5,541,937	$	11,510

Liabilities:
Derivatives	$	7,021	$	-	$	7,021	$	-
Total liabilities	$	7,021	$	-	$	7,021	$	-

The following table provides the assets measured at fair value on a nonrecurring basis during the first three months of 2026 and 2025, and still held as of March 31, 2026 and 2025.


			Fair value measurements at report date using
	Fair Value March 31, 2026		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
	(dollars in thousands)
Assets:
Collateral dependent loans	$	24,996	$	-	$	-	$	24,996
Mortgage servicing rights	61,916		-		-		61,916
Total assets	$	86,912	$	-	$	-	$	86,912


			Fair value measurements at report date using
	Fair Value March 31, 2025		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
	(dollars in thousands)
Assets:
Collateral dependent loans	$	23,868	$	-	$	-	$	23,868
Mortgage servicing rights	62,757		-		-		62,757
Total assets	$	86,625	$	-	$	-	$	86,625

Fair Value of Financial Instruments

Fair value estimates are made at a specific point in time based on relevant market information. They do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists for many of the Company's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, risk characteristics and economic conditions. These estimates are subjective, involve uncertainties, and cannot be determined with precision. Changes in assumptions could significantly affect the estimates.


	March 31, 2026
	Carrying amount		Estimated Fair Value
			Level 1		Level 2		Level 3
	(dollars in thousands)
Financial Assets:
Cash and due from banks	$	190,868	$	190,868	$	-	$	-
Short-term interest-bearing deposits	1,185,077		1,185,077		-		-
Interest-bearing deposits	750		750		-		-
Federal funds sold and securities purchased under agreements to resell	1,433		1,433		-		-
Investment securities
Available for sale	6,741,573		1,097,918		5,643,654		-
Held to maturity	1,528		-		862		677
Equity	48,174		-		36,661		11,513
Net loans held for investment	11,382,681		-		-		11,364,316
Loans held for sale	29,457		-		29,457		-
Derivatives	7,732		-		7,732		-
Total assets	$	19,589,273	$	2,476,045	$	5,718,366	$	11,376,506


	December 31, 2025
	Carrying amount		Estimated Fair Value
			Level 1		Level 2		Level 3
	(dollars in thousands)
Financial Assets
Cash and due from banks	$	258,588	$	258,588	$	-	$	-
Short-term interest-bearing deposits	1,805,215		1,805,215		-		-
Interest-bearing deposits	1,039		-		-		1,039
Federal funds sold and securities purchased under agreements to resell	340		340		-		-
Investment securities
Available for sale	6,372,463		929,305		5,443,158		-
Held to maturity	1,689		-		1,023		677
Equity	48,200		-		36,690		11,510

Net loans held for investment	11,284,931		-		-		11,285,348
Loans held for sale	54,119		-		54,119		-
Derivatives	7,969		-		7,969		-
Total assets	$	19,834,553	$	2,993,448	$	5,542,960	$	11,298,574


	March 31, 2026
	Carrying amount		Estimated Fair Value
			Level 1		Level 2		Level 3
	(dollars in thousands)
Financial Liabilities
Federal funds purchased and customer repurchase agreements	$	1,066,923	$	1,066,923	$	-	$	-
Accrued interest payable	8,279		8,279		-		-
Derivatives	6,284		-		6,284		-


	December 31, 2025
	Carrying amount		Estimated Fair Value
			Level 1		Level 2		Level 3
	(dollars in thousands)
Financial Liabilities
Federal funds purchased and customer repurchase agreements	$	1,011,851	$	1,011,851	$	-	$	-
Accrued interest payable	9,306		9,306		-		-
Derivatives	7,021		-		7,021		-

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 107
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-107

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 100
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2E
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 940
-SubTopic 820
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478119/940-820-50-1

+ Details

Goodwill and Intangible Assets (Tables)

3 Months Ended

Mar. 31, 2026

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Intangible Assets and Goodwill

Goodwill and core deposit intangible assets are summarized in the following table:


	March 31, 2026						December 31, 2025
	Gross carrying amount		Accumulated amortization		Net amount		Gross carrying amount		Accumulated amortization		Net amount
	(dollars in thousands)\
Amortizable intangible assets:
Core deposit intangible assets	$	20,498	$	(19,036)	$	1,462	$	20,498	$	(18,304)	$	2,194
Trust customer intangible asset	6,100		(4,940)		1,160		6,100		(4,866)		1,233
Total amortizable intangible assets	$	26,598	$	(23,976)	$	2,622	$	26,598	$	(23,170)	$	3,427
Goodwill:
Commercial Banking segment	$	210,331	$	-	$	210,331	$	210,331	$	-	$	210,331
Consumer Banking segment	126,095		-		126,095		126,095		-		126,095
Wealth segment	11,811		-		11,811		11,811		-		11,811
Total goodwill	$	348,237	$	-	$	348,237	$	348,237	$	-	$	348,237

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Statement of Comprehensive Income [Abstract]
Net income	$ 111,088	$ 94,798
Unrealized (losses) gains, net of tax	(38,198)	45,643
Change in pension surplus, net of tax	1,019	3,417
Total other comprehensive (loss) income	(37,179)	49,060
Total comprehensive income	$ 73,909	$ 143,858

- Definition

Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.

+ References + Details

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

+ Details

Accumulated Other Comprehensive Loss (Tables)

3 Months Ended

Mar. 31, 2026

Equity [Abstract]

Schedule of Activity and Accumulated Balances of Components of Other Comprehensive Loss

The table below shows the activity and accumulated balances of components of other comprehensive income (loss) for the three months ended March 31, 2026 and 2025.


	Three Months Ended March 31,
	Unrealized Gains/Losses on AFS Securities		Pension Plan		Total
	(dollars in thousands)
Balance January 1, 2026	$	(36,108)	$	19,236	$	(16,872)
Other comprehensive (loss) income before reclassifications	(50,155)		1,338		(48,817)
Reclassification adjustment for net losses on AFS securities included in net income	-		-		-
Current period other comprehensive (loss) income, before tax	(50,155)		1,338		(48,817)
Income tax benefit (expense)	11,957		(319)		11,638
Current period other comprehensive (loss) income, net of tax	(38,198)		1,019		(37,179)
Balance March 31, 2026	$	(74,306)	$	20,255	$	(54,051)

Balance January 1, 2025	$	(145,589)	$	5,664	$	(139,925)
Other comprehensive income before reclassifications	59,931		4,487		64,418
Reclassification adjustment for net losses on AFS securities included in net income	-		-		-
Current period other comprehensive income, before tax	59,931		4,487		64,418
Income tax (expense)	(14,288)		(1,070)		(15,358)
Current period other comprehensive income, net of tax	45,643		3,417		49,060
Balance March 31, 2025	$	(99,946)	$	9,081	$	(90,865)

Mortgage Banking Activities - Schedule of Changes to MSRs (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Servicing Asset at Fair Value, Amount [Roll Forward]
Balance at beginning of period	$ 29,391	$ 30,423
Capitalized mortgage servicing rights	1,398	775
Amortization	(1,532)	(1,403)
Change in valuation allowance	0	0
Balance at end of period	$ 29,257	$ 29,795

Business Segment Reporting - Schedule of Segment Income Statement (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Segment Reporting Information [Line Items]
Net interest income	$ 208,617	$ 189,273
Provision for credit losses	3,146	2,920
Net interest income after provision for credit losses	205,471	186,353
Noninterest income	65,088	58,788
Noninterest expense	126,616	122,261
Income before income taxes	143,943	122,880
Income taxes	32,855	28,082
Net income	111,088	94,798
Assets under advice	16,012,029	13,543,819
Corporate And Eliminations
Segment Reporting Information [Line Items]
Net interest income	14,318	7,821
Provision for credit losses	21	7
Net interest income after provision for credit losses	14,297	7,814
Noninterest income	989	1,498
Noninterest expense	10,554	10,455
Income before income taxes	4,732	(1,143)
Income taxes	157	(964)
Net income	4,575	(179)
Assets under advice	0	0
Consumer \| Operating Segments
Segment Reporting Information [Line Items]
Net interest income	81,271	75,181
Provision for credit losses	2,193	1,885
Net interest income after provision for credit losses	79,078	73,296
Noninterest income	32,034	28,494
Noninterest expense	62,994	59,907
Income before income taxes	48,118	41,883
Income taxes	11,530	10,026
Net income	36,588	31,857
Assets under advice	0	0
Commercial \| Operating Segments
Segment Reporting Information [Line Items]
Net interest income	113,043	106,290
Provision for credit losses	932	1,031
Net interest income after provision for credit losses	112,111	105,259
Noninterest income	10,732	10,377
Noninterest expense	39,623	39,370
Income before income taxes	83,220	76,266
Income taxes	19,274	17,613
Net income	63,946	58,653
Assets under advice	0	0
Wealth Management \| Operating Segments
Segment Reporting Information [Line Items]
Net interest income	(15)	(19)
Provision for credit losses	0	(3)
Net interest income after provision for credit losses	(15)	(16)
Noninterest income	21,333	18,419
Noninterest expense	13,445	12,529
Income before income taxes	7,873	5,874
Income taxes	1,894	1,407
Net income	5,979	4,467
Assets under advice	$ 16,012,029	$ 13,543,819

Employee Benefit Plans

3 Months Ended

Mar. 31, 2026

Retirement Benefits [Abstract]

Employee Benefit Plans

The amount of net pension cost is shown in the table below for the three months ended March 31, 2026 and 2025:


	Three Months Ended March 31,
	2026		2025
	(dollars in thousands)
Service Cost	$	-	$	-
Interest Cost	1,388		1,382
Expected Return on Assets	(1,631)		(1,592)
Net Amortization	-		-
Net periodic pension cost	$	(243)	$	(210)

All benefits accrued under the Company’s defined benefit pension plan have been frozen since December 31, 2018. During the first three months of 2026, the Company made no funding contributions to its defined benefit pension plan and made minimal funding contributions to a supplemental executive retirement plan (the SERP), which carries no segregated assets.

During the first quarter of 2026, the Company initiated the process to terminate its defined benefit pension plan through a standard plan termination. The Company expects the termination process to be completed later in 2026, subject to regulatory approvals and completion of final settlement activities. Plan obligations are expected to be settled through a combination of lump‑sum distributions to participants and the purchase of group annuity contracts from a third‑party insurer.

Based on the current status of the plan, the Company expects to recognize a modest settlement gain upon completion of the termination. Any settlement gain will include the recognition of unamortized actuarial gains or losses currently recorded in accumulated other comprehensive income. The plan is currently in a surplus position, and the Company expects that excess plan assets remaining after satisfaction of all benefit obligations will be used to fund nonelective contributions to its defined contribution 401(k) plan or for other qualified purposes over a period of up to seven years.

The Company is continuing to evaluate the financial impact of the plan termination, and no settlement gains or other termination‑related impacts have been recognized in the accompanying consolidated financial statements for the quarter ended March 31, 2026. The Company does not expect the termination to have a material impact on its liquidity, capital, or results of operations.

- Definition

The entire disclosure for defined benefit plan.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (k)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480506/715-20-50-5

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (m)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480506/715-20-50-5

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
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-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (c)(i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480506/715-20-50-5

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
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-Paragraph 5
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480506/715-20-50-5

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
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-Name Accounting Standards Codification
-Section 50
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
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Reference 7: http://www.xbrl.org/2003/role/exampleRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
-SubTopic 20
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/715-20/tableOfContent

+ Details

Loans and Allowance for Credit Losses - Schedule of Financing Receivable, Modified Loans Past Due Status (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	$ 72,098	$ 50,345
Current
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	38,150	29,693
30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	16,767	580
90 Days Past Due
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	0	0
Non-accrual
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	17,181	20,072
Construction and development
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	8,949	4,528
Construction and development \| Current
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	8,754	2,785
Construction and development \| 30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	0	0
Construction and development \| 90 Days Past Due
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	0	0
Construction and development \| Non-accrual
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	195	1,743
Commercial, financial & agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	4,586	4,926
Commercial, financial & agricultural \| Current
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	1,058	4,582
Commercial, financial & agricultural \| 30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	126	0
Commercial, financial & agricultural \| 90 Days Past Due
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	0	0
Commercial, financial & agricultural \| Non-accrual
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	3,402	344
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	48,324	30,693
Commercial real estate \| Non-owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	34,683	22,457
Commercial real estate \| Owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	13,641	8,236
Commercial real estate \| Current
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	23,885	17,656
Commercial real estate \| Current \| Non-owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	11,679	11,176
Commercial real estate \| Current \| Owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	12,206	6,480
Commercial real estate \| 30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	16,439	0
Commercial real estate \| 30 - 89 Days past due \| Non-owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	16,439	0
Commercial real estate \| 30 - 89 Days past due \| Owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	0	0
Commercial real estate \| 90 Days Past Due
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	0	0
Commercial real estate \| 90 Days Past Due \| Non-owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	0	0
Commercial real estate \| 90 Days Past Due \| Owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	0	0
Commercial real estate \| Non-accrual
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	8,000	13,037
Commercial real estate \| Non-accrual \| Non-owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	6,565	11,281
Commercial real estate \| Non-accrual \| Owner occupied CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	1,435	1,756
Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	9,606	8,279
Residential real estate \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	450	0
Residential real estate \| Residential mortgage loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	9,156	8,279
Residential real estate \| Current
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	4,084	2,751
Residential real estate \| Current \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	450	0
Residential real estate \| Current \| Residential mortgage loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	3,634	2,751
Residential real estate \| 30 - 89 Days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	27	580
Residential real estate \| 30 - 89 Days past due \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	0	0
Residential real estate \| 30 - 89 Days past due \| Residential mortgage loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	27	580
Residential real estate \| 90 Days Past Due
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	0	0
Residential real estate \| 90 Days Past Due \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	0	0
Residential real estate \| 90 Days Past Due \| Residential mortgage loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	0	0
Residential real estate \| Non-accrual
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	5,495	4,948
Residential real estate \| Non-accrual \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	0	0
Residential real estate \| Non-accrual \| Residential mortgage loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	5,495	4,948
Consumer \| Other consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	633	1,919
Consumer \| Current \| Other consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	369	1,919
Consumer \| 30 - 89 Days past due \| Other consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	175	0
Consumer \| 90 Days Past Due \| Other consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	0	0
Consumer \| Non-accrual \| Other consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Modified after 12 Months	$ 89	$ 0