0001628280-26-021067 | 10-K | XBRL Viewer

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Employee Benefit Plans - Schedule of Future Benefit Payments (Details) $ in Thousands	Dec. 31, 2025 USD ($)
Postemployment Benefits [Abstract]
2026	$ 6,531
2027	6,765
2028	6,988
2029	7,177
2030	7,376
2031 - 2035	$ 39,387

Mortgage Banking Activities - Schedule of Changes to MSRs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Servicing Asset at Fair Value, Amount [Roll Forward]
Balance at beginning of year	$ 30,423	$ 33,876
Capitalized mortgage servicing rights	5,039	2,866
Amortization	(6,071)	(6,319)
Change in valuation allowance	0	0
Balance at end of year	$ 29,391	$ 30,423

Commitments, Contingencies, and Guarantees (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Loan commitments
Long-Term Purchase Commitment [Line Items]
Contractual obligation	$ 2,952,732	$ 2,910,550
Standby letters of credit
Long-Term Purchase Commitment [Line Items]
Contractual obligation	80,060	87,979
Commercial letters of credit
Long-Term Purchase Commitment [Line Items]
Contractual obligation	2,703	1,089
Credit derivatives
Long-Term Purchase Commitment [Line Items]
Contractual obligation	$ 19,224	$ 14,720

Commitments, Contingencies, and Guarantees (Tables)

12 Months Ended

Dec. 31, 2025

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 as of December 31,
	2025		2024
	(dollars in thousands)
Off-balance sheet commitments
Loan commitments	$	2,952,732	$	2,910,550
Standby letters of credit	80,060		87,979
Commercial letters of credit	2,703		1,089
Credit derivatives	19,224		14,720

Stock-Based Compensation - Schedule of Nonvested Restricted Stock Shares (Details) - Restricted Stock - $ / shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Shares
Beginning balance (in shares)	496,450	294,450
Granted (in shares)	325,500	295,950
Vested (in shares)	(146,600)	(91,750)
Forfeited (in shares)	(73,050)	(2,200)
Ending balance (in shares)	602,300	496,450
Weighted average grant date fair value
Beginning balance (in USD per share)	$ 13.07	$ 12.94
Granted, weighted average grant date fair value ($ per share)	13.53	13.08
Vested, weighted average grant date fair value ($ per share)	12.98	12.69
Forfeited, weighted average grant date fair value ($ per share)	13.32	13.11
Ending balance (in USD per share)	$ 13.31	$ 13.07

Employee Benefit Plans - Schedule of Balance Sheet (Details) - Pension Plan - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Prepaid pension asset	$ 45,312	$ 44,473
Accrued benefit/(liability)	7,968	(10,425)
Funded status and net amount	$ 53,280	$ 34,048

- Definition

Amount of asset, recognized in statement of financial position, for overfunded defined benefit pension and other postretirement plans.

+ References + Details

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Cash flows from operating activities:
Net income	$ 390,853	$ 305,810
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization	20,008	19,204
Net (accretion) amortization of discounts and premiums	(20,705)	7,640
Deferred income taxes	(3,441)	(6,660)
Provision for credit losses	9,311	14,587
Net gain on sale of loans	(29,742)	(28,964)
Net change in trading debt securities	666	(670)
Net investment securities losses	6,811	36,661
Originations of mortgage loans held for sale	(1,278,712)	(1,278,005)
Proceeds from sales of mortgage loans held for sale	1,302,110	1,302,861
Stock-based compensation	3,117	3,458
(Increase) decrease in other assets	(112,820)	8,312
(Decrease) in other liabilities	(39,292)	(20,937)
Net cash provided by operating activities	248,164	363,297
Cash flows from investing activities:
Purchase of available-for-sale securities	(2,566,281)	(3,761,831)
Purchase of equity securities	(234)	(10,590)
Proceeds from sales of available-for-sale securities	315,180	1,044,686
Proceeds from sales of equity securities	913	26,654
Proceeds from maturities of available-for-sale securities	1,639,896	2,227,755
Proceeds from maturities of held-to-maturity securities	1,548	836
Net change in interest-bearing deposits	(340)	489
Net decrease (increase) in loans	161,913	(148,660)
Purchase of land, buildings, and equipment	(16,771)	(25,158)
Proceeds from sale of land, buildings, and equipment	433	11,911
Net cash (used in) investing activities	(463,743)	(633,908)
Cash flows from financing activities:
Increase (decrease) in deposits	938,598	(53,155)
(Decrease) increase in time deposits	(61,821)	169,493
Increase (decrease) in federal funds purchased and customer repurchase agreements	4,556	(218,872)
Dividends paid	246,531	57,532
Purchase of treasury stock	0	(12,143)
Proceeds from stock issuance, net	403,112	0
Net cash provided by (used in) financing activities	1,037,914	(172,209)
Net increase (decrease) in cash and cash equivalents	822,335	(442,820)
Cash and cash equivalents at beginning of year	1,241,808	1,684,628
Cash and cash equivalents at end of year	2,064,143	1,241,808
Cash and due from banks	258,588	265,209
Short-term earning assets	1,805,215	969,416
Federal funds sold and securities purchased under agreements to resell	340	7,183
Total cash and cash equivalents	2,064,143	1,241,808
Supplemental disclosure of cash flow information:
Interest paid	199,298	216,063
Income taxes paid	144,380	92,020
Loans transferred to foreclosed assets held for sale	$ 4,442	$ 4,938

Consolidated Statement of Changes in Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Statement of Stockholders' Equity [Abstract]
Dividends paid (in dollars per share)	$ 1.12	$ 0.26

Income Taxes - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
Income Taxes - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2025	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Effective tax rate (as percent)	22.80%	22.30%
Income tax expense at federal statutory rate	21.00%	21.00%
Valuation allowance	$ 0.0	$ 0.0
Unrecognized tax benefits	1.5
Net operating loss carryforwards	$ 0.5	$ 0.6

Leasing (Schedule of lease-related balances) (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Leases [Abstract]
Right of use assets	$ 31,281	$ 30,187
Lease liabilities	$ 32,557	$ 31,522
Weighted average remaining lease term (in years)	23 years 9 months 18 days	25 years 1 month 6 days
Weighted average discount rate (as percent)	3.91%	3.80%
Weighted average remaining lease term (in years)	3 years 1 month 6 days	2 years 1 month 6 days
Weighted average discount rate (as percent)	1.49%	1.49%

Loans and Allowance for Credit Losses - Schedule Of Credit Loss Model Inputs (Details)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
GDP Growth
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses measurement input	0.020	0.026
Prime Rate
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses measurement input		0.075
Basis Point Decrease Per Quarter
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses measurement input		0.0025
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	0.041	0.042
Minimum \| Prime Rate
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses measurement input	0.0625
Maximum \| Unemployment Rate
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses measurement input	0.044	0.043
Maximum \| Prime Rate
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses measurement input	0.0675

Mortgage Banking Activities - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Transfers and Servicing [Abstract]
Proceeds from sale of mortgage servicing rights	$ 413,300	$ 255,000
Loans serviced for investors	4,590,000	4,700,000
Valuation allowance	0	0
Capitalized mortgage servicing rights	$ 5,039	$ 2,866

Deposits - Schedule of Maturities of Time Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Deposits [Abstract]
2026	$ 1,545,913
2027	59,624
2028	17,204
2029	8,133
2030	4,052
Thereafter	152
Time Deposits, Total	$ 1,635,078	$ 1,696,899

Land, Buildings, and Equipment - Schedule of Estimated Future Depreciation Expense (Details) $ in Thousands	Dec. 31, 2025 USD ($)
Property, Plant and Equipment [Abstract]
2026	$ 14,763
2027	12,515
2028	11,387
2029	10,066
2030	8,840
Thereafter	$ 68,762

Employee Benefit Plans - Schedule of Pension Plan’s Assets at Fair Value (Details) - Pension Plan - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	$ 165,947	$ 148,948	$ 255,854
Cash equivalents
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	66,574	1,940
U.S. government and federal agency obligations
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	10,199	16,250
Common stocks
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	0	40,542
Corporate bonds
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	35,092	18,385
Mutual funds - fixed income
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	53,487	36,958
Mutual funds - equities
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	596	34,873
Quoted prices in active markets for identical assets (Level 1)
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	120,657	114,313
Quoted prices in active markets for identical assets (Level 1) \| Cash equivalents
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	66,574	1,940
Quoted prices in active markets for identical assets (Level 1) \| U.S. government and federal agency obligations
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	0	0
Quoted prices in active markets for identical assets (Level 1) \| Common stocks
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	0	40,542
Quoted prices in active markets for identical assets (Level 1) \| Corporate bonds
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	0	0
Quoted prices in active markets for identical assets (Level 1) \| Mutual funds - fixed income
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	53,487	36,958
Quoted prices in active markets for identical assets (Level 1) \| Mutual funds - equities
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	596	34,873
Significant other observable inputs (Level 2)
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	45,291	34,635
Significant other observable inputs (Level 2) \| Cash equivalents
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	0	0
Significant other observable inputs (Level 2) \| U.S. government and federal agency obligations
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	10,199	16,250
Significant other observable inputs (Level 2) \| Common stocks
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	0	0
Significant other observable inputs (Level 2) \| Corporate bonds
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	35,092	18,385
Significant other observable inputs (Level 2) \| Mutual funds - fixed income
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	0	0
Significant other observable inputs (Level 2) \| Mutual funds - equities
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	0	0
Significant unobservable inputs (Level 3)
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	0	0
Significant unobservable inputs (Level 3) \| Cash equivalents
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	0	0
Significant unobservable inputs (Level 3) \| U.S. government and federal agency obligations
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	0	0
Significant unobservable inputs (Level 3) \| Common stocks
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	0	0
Significant unobservable inputs (Level 3) \| Corporate bonds
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	0	0
Significant unobservable inputs (Level 3) \| Mutual funds - fixed income
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	0	0
Significant unobservable inputs (Level 3) \| Mutual funds - equities
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Amount	$ 0	$ 0

Business Segment Reporting - Schedule of Segment Income Statement (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Segment Reporting Information [Line Items]
Net interest income	$ 789,665	$ 687,324
Provision for credit losses	9,311	14,587
Net interest income after provision for credit losses	780,354	672,737
Other income	231,694	210,390
Noninterest Expense	505,490	489,407
Income before income taxes	506,558	393,720
Income taxes	115,705	87,910
Net income	390,853	305,810
Total assets	20,751,978	19,242,543
Assets under advice	$ 15,956,069	$ 13,527,632
Effective tax rate (as percent)	22.80%	22.30%
Consumer
Segment Reporting Information [Line Items]
Noninterest Expense	$ 243,012	$ 242,560
Loss on sale of portfolio	13,600
Loans charged off	5,000
Gain on sales, net	$ 6,600
Effective tax rate (as percent)	23.84%
Commercial
Segment Reporting Information [Line Items]
Noninterest Expense	$ 159,151	148,737
Wealth Management
Segment Reporting Information [Line Items]
Noninterest Expense	52,168	46,863
Operating Segments \| Consumer
Segment Reporting Information [Line Items]
Net interest income	315,068	276,775
Provision for credit losses	4,402	11,640
Net interest income after provision for credit losses	310,666	265,135
Other income	111,268	124,854
Noninterest Expense	243,012	242,560
Income before income taxes	178,922	147,429
Income taxes	42,886	35,260
Net income	136,036	112,169
Total assets	3,498,285	3,534,547
Assets under advice	0	0
Operating Segments \| Commercial
Segment Reporting Information [Line Items]
Net interest income	436,212	403,079
Provision for credit losses	3,754	3,359
Net interest income after provision for credit losses	432,458	399,720
Other income	42,869	43,334
Noninterest Expense	159,151	148,737
Income before income taxes	316,176	294,317
Income taxes	73,155	67,799
Net income	243,021	226,518
Total assets	8,530,725	8,572,871
Assets under advice	0	0
Operating Segments \| Wealth Management
Segment Reporting Information [Line Items]
Net interest income	(75)	(250)
Provision for credit losses	(4)	2
Net interest income after provision for credit losses	(71)	(252)
Other income	77,360	69,212
Noninterest Expense	52,168	46,863
Income before income taxes	25,121	22,097
Income taxes	6,049	5,306
Net income	19,072	16,791
Total assets	19,441	24,728
Assets under advice	15,956,069	13,527,632
Corporate And Eliminations
Segment Reporting Information [Line Items]
Net interest income	38,460	7,720
Provision for credit losses	1,159	(414)
Net interest income after provision for credit losses	37,301	8,134
Other income	197	(27,010)
Noninterest Expense	51,159	51,247
Income before income taxes	(13,661)	(70,123)
Income taxes	(6,385)	(20,455)
Net income	(7,276)	(49,668)
Total assets	8,703,527	7,110,397
Assets under advice	$ 0	$ 0

Fair Value Disclosures (Tables)

12 Months Ended

Dec. 31, 2025

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 December 31, 2025 and 2024.


	Fair value measurements at December 31, 2025 using
	Total fair value		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 at December 31, 2024 using
	Total fair value		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	$	34,264	$	-	$	34,264	$	-
Available-for-sale investment securities:
U.S. government obligations and government-sponsored enterprises	5,553,593		1,269,553		4,284,040		-
Obligations of states and political subdivisions	21,141		-		21,141		-
Other securities	28,989		614		28,375		-
Equity investments	48,770		724		36,765		11,281
Trading	666		-		666		-
Derivatives	10,312		-		10,312		-
Total assets	$	5,697,735	$	1,270,891	$	4,415,563	$	11,281
Liabilities:
Derivatives	$	8,842	$	-	$	8,842	$	-
Total liabilities	$	8,842	$	-	$	8,842	$	-

Fair Value Measurements, Nonrecurring

The following table presents assets measured at fair value on a nonrecurring basis (including items that are required to be measured at fair value) at December 31, 2025 and 2024.


	Fair value measurements at December 31, 2025 using
	Total fair value		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	$	20,628	$	-	$	-	$	20,628
Mortgage servicing rights	59,997		-		-		59,997
Total assets	$	80,625	$	-	$	-	$	80,625


	Fair value measurements at December 31, 2024 using
	Total fair value		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	$	15,376	$	-	$	-	$	15,376
Mortgage servicing rights	60,339		-		-		60,339
Total assets	$	75,715	$	-	$	-	$	75,715

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

The estimated fair values of the Company’s financial instruments are as follows:


	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		-		-
Time 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
Trading	-		-		-		-
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	$	5,542,959	$	11,298,574


	December 31, 2024
	Carrying amount		Estimated fair value
			Level 1		Level 2		Level 3
	(dollars in thousands)
Financial Assets
Cash and due from banks	$	265,209	$	265,209	$	-	$	-
Short-term interest-bearing deposits	969,416		969,416		-		-
Time deposits	699		-		-		699
Federal funds sold and securities purchased under agreements to resell	7,183		7,183		-		-
Investment securities
Available for sale	5,603,723		1,270,167		4,333,556		-
Held to maturity	3,225		-		2,554		677
Equity	48,770		724		36,765		11,281
Trading	666		-		666		-
Net loans held for investment	11,469,812		-		-		11,283,393
Loans held for sale	34,264		-		34,264		-
Derivatives	10,312		-		10,312		-
Total assets	$	18,413,279	$	2,512,699	$	4,418,117	$	11,296,050


	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		-


	December 31, 2024
	Carrying amount		Estimated fair value
			Level 1		Level 2		Level 3
	(dollars in thousands)
Financial Liabilities




Federal funds purchased and customer repurchase agreements	$	1,007,295	$	1,007,295	$	-	$	-
Accrued interest payable	10,291		10,291		-		-
Derivatives	8,842		-		8,842		-

Mortgage Banking Activities

12 Months Ended

Dec. 31, 2025

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 in 2025 and 2024 aggregated $413.3 million and $255.0 million, respectively. Loans serviced for investors aggregated $4.59 billion and $4.70 billion at December 31, 2025 and 2024, respectively.

Included in mortgage banking revenues in the accompanying consolidated statements of income for 2025 and 2024 are the following:


	December 31,
	2025		2024
	(dollars in thousands)
Gains on sale of mortgage loans	$	27,121	$	26,090
Fees on real estate loans sold	1,907		3,279
(Losses) gains on interest rate lock commitments (IRLC) and associated hedging¹	(1,003)		589
Servicing fees	11,546		12,122
Mortgage banking revenues	$	39,571	42,080
1 For more information on this item, see "Note 1, Summary of Significant Accounting Policies—Derivative Financial Instruments," to our consolidated financial statements.

Included in gains on sales of mortgage loans during 2025 and 2024 are capitalized mortgage servicing rights aggregating $5.0 million and $2.9 million, respectively.

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


	December 31,
	2025		2024
Discount rate	9.16	%	9.31	%
Prepayment speed	7.10	%	7.00	%
Delinquency rate	0.86	%	0.79	%

A summary of the mortgage servicing rights is as follows:


	December 31,
	2025		2024
	(dollars in thousands)
Balance at beginning of year	$	30,423	$	33,876
Capitalized mortgage servicing rights	5,039		2,866
Amortization	(6,071)		(6,319)
Change in valuation allowance	-		-
Balance at end of year	$	29,391	$	30,423

Servicing asset values are sensitive to interest rates and loan prepayment behavior. A decline in market interest rates generally increases borrower prepayments, which can reduce the expected future cash flows and the fair value of servicing assets. If necessary, a valuation allowance would be added, through a charge to earnings, to the extent the amortized cost exceeds the estimated fair value. The valuation allowance at each of December 31, 2025 and 2024 was $0.

The Company evaluates its mortgage servicing rights for impairment on a monthly basis. The classes for evaluation are based on the risk characteristics of the underlying loans, including but not limited to, loan structure, loan term, and interest rate profile. There were no changes to the predominant risk characteristics or the resulting stratification of mortgage servicing rights during the periods presented.

The following table shows the estimated future amortization expense based on existing asset balances and the interest rate environment as of December 31, 2025 (in thousands). The Company’s actual amortization expense in any given period may be different from the estimated amounts depending upon the addition of new intangible assets, changes in mortgage interest rates, prepayment speeds, and other market conditions.


2026	$	3,845
2027	3,443
2028	3,094
2029	2,765
Thereafter	16,243

- 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

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
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-URI https://asc.fasb.org/1943274/2147480591/815-20-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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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
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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Reference 14: http://www.xbrl.org/2003/role/disclosureRef
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
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Reference 18: http://www.xbrl.org/2003/role/disclosureRef
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Reference 19: http://www.xbrl.org/2003/role/disclosureRef
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Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 860
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Reference 21: http://www.xbrl.org/2003/role/disclosureRef
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Reference 22: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Fair Value Disclosures

12 Months Ended

Dec. 31, 2025

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.

When determining the fair value measurements for assets and liabilities required or permitted to be recorded or disclosed at fair value, the Company considers the principal or most advantageous market in which it would transact and considers assumptions that market participants would use when pricing the asset or liability. When possible, the Company looks to active and observable markets to price identical assets or liabilities. When identical assets and liabilities are not traded in active markets, the Company looks to market observable data for similar assets and liabilities.

Valuation Methods for Instruments Measured at Fair Value on a 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 December 31, 2025 and 2024.


	Fair value measurements at December 31, 2025 using
	Total fair value		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 at December 31, 2024 using
	Total fair value		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	$	34,264	$	-	$	34,264	$	-
Available-for-sale investment securities:
U.S. government obligations and government-sponsored enterprises	5,553,593		1,269,553		4,284,040		-
Obligations of states and political subdivisions	21,141		-		21,141		-
Other securities	28,989		614		28,375		-
Equity investments	48,770		724		36,765		11,281
Trading	666		-		666		-
Derivatives	10,312		-		10,312		-
Total assets	$	5,697,735	$	1,270,891	$	4,415,563	$	11,281
Liabilities:
Derivatives	$	8,842	$	-	$	8,842	$	-
Total liabilities	$	8,842	$	-	$	8,842	$	-

Following is a description of the Company’s valuation methodologies used for instruments measured at fair value on a recurring basis:

Securities

Securities are identified as trading, available-for-sale, or held-to-maturity at the time of purchase based on the intent of management.

Trading securities are carried at fair value with unrealized gains and losses included in current period earnings.

AFS securities are accounted for in accordance with ASC 320 and are carried at fair value. Unrealized gains and losses are recorded, net of deferred income taxes, as accumulated other comprehensive income (loss) in stockholder's equity. AFS securities are separately identified as pledged to creditors if the creditor has the right to sell or re-pledge the collateral. This portfolio comprises the majority of the assets the Company records at fair value.

The fair value of our securities, which consist primarily of obligations of the U.S. government and government sponsored enterprises (GSEs), is generally based on instrument-level pricing provided to us by a third-party pricing service which utilizes a combination of market quotations in an active market where available, and industry-standard models that consider various assumptions, including time value, yield curves, volatility factors, prepayment speeds, default rates, loss severity, current market and contractual prices for the underlying financial instruments, as well as other relevant economic measures. Substantially all these assumptions are observable in the marketplace, can be derived from observable data, or are supported by observable levels at which transactions are executed in the marketplace.

We periodically evaluate the pricing supplied by third-party pricing services by comparing the provided pricing with other sources including, but not limited to, recent transactions in similar instruments, dealer quotes and modeled values using various observable market inputs. Based on the results of such evaluations, management may adjust prices obtained from third-party pricing services to more appropriately reflect its estimate of prices that could be realized in orderly transactions in the current market.

The various portions of the estimated fair value of the Company’s equity securities are based on several inputs. Where quoted prices are available in an active market, the measurements are classified as Level 1. Equity securities which are infrequently traded or restricted, such as equity interests in the Federal Reserve and Federal Home Loan Bank, are classified as Level 2. The fair value of equity securities based on unobservable inputs and estimates are classified as Level 3.

Loans Held for Sale

Loans held for sale are carried at fair value. The portfolio consists primarily of residential real estate loans that are originated with the intent to sell. The Company contracts to sell the loans to FHLMC, FNMA, and other private investors. Fair value measurements on these loans held for sale are based on quoted market prices for similar loans in the secondary market and are classified as Level 2. No write-down was necessary at December 31, 2025 and 2024.

Derivatives

The Company’s derivative instruments include interest rate swaps, interest rate lock commitments (IRLC) and to-be-announced (TBA) contracts for hedging our mortgage loan pipeline. Valuations for interest rate swaps are derived from a proprietary model whose significant inputs are readily observable market parameters, primarily yield curves used to calculate current exposure. The results of the model are constantly validated through comparison to active trading in the marketplace. The fair value measurements of interest rate swaps and floors are classified as Level 2 due to the observable nature of the significant inputs utilized. Derivatives relating to residential mortgage loan sale activity include commitments to originate mortgage loans held for sale, forward loan sale contracts, and forward commitments to sell TBA securities. The fair values of loan commitments and sale contracts are estimated using quoted market prices for loans similar to the underlying loans in these instruments. The valuations of loan commitments are further adjusted to include embedded servicing value and the probability of funding. These assumptions are considered Level 2 inputs and are significant to the loan commitment valuation; accordingly, the measurement of loan commitments is classified as Level 2. The fair value measurement of TBA contracts is based on security prices published on trading platforms and is classified as Level 2.

Valuation Methods for Instruments Measured at Fair Value on a Nonrecurring Basis

The following table presents assets measured at fair value on a nonrecurring basis (including items that are required to be measured at fair value) at December 31, 2025 and 2024.


	Fair value measurements at December 31, 2025 using
	Total fair value		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	$	20,628	$	-	$	-	$	20,628
Mortgage servicing rights	59,997		-		-		59,997
Total assets	$	80,625	$	-	$	-	$	80,625


	Fair value measurements at December 31, 2024 using
	Total fair value		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	$	15,376	$	-	$	-	$	15,376
Mortgage servicing rights	60,339		-		-		60,339
Total assets	$	75,715	$	-	$	-	$	75,715

Following is a description of the Company’s valuation methodologies used for other financial instruments measured at fair value on a nonrecurring basis:

Mortgage Servicing Rights

The Company initially measures its mortgage servicing rights at fair value and amortizes them over the period of estimated net servicing income. They are periodically assessed for impairment based on fair value at the reporting date. Mortgage servicing rights do not trade in an active market with readily observable prices. Accordingly, the fair value is estimated based on a valuation model, which calculates the present value of estimated future net servicing income. The model incorporates assumptions that market participants use in estimating future net servicing income, including estimates of prepayment speeds, market discount rates, cost to service, float earnings rates, and other ancillary income, including late fees. The fair value measurements are classified as Level 3. There was no valuation adjustment recorded on the mortgage servicing rights at December 31, 2025.

Collateral Dependent Loans

While the overall portfolio is not carried at fair value, adjustments are recorded on certain loans to reflect partial write-downs that are based on the value of the underlying collateral. Nonrecurring adjustments also include certain impairment amounts for collateral dependent loans when establishing the allowance for credit losses on loans. In determining the value of real estate collateral, the Company relies on external appraisals and assessment of property values by its internal staff. In the case of non-real estate collateral, reliance is placed on a variety of sources, including external estimates of value and judgments based on the experience and expertise of internal specialists. Because many of these inputs are not observable, the measurements are classified as Level 3.

Foreclosed Assets

Foreclosed assets consist of loan collateral, which has been repossessed through foreclosure. This collateral is comprised of commercial and residential real estate and other non-real estate property. Foreclosed assets are recorded as held for sale initially at the lower of the loan balance or fair value of the collateral less estimated selling costs. After foreclosure, valuations are updated periodically, and the assets may be marked down further, reflecting a new cost basis. Fair value measurements may be based upon appraisals, third-party price opinions, or internally developed pricing methods. These measurements are classified as Level 3.

Fair Value of Financial Instruments

The carrying amounts and estimated fair values of financial instruments held by the Company, in addition to a discussion of the methods used and assumptions made in computing the estimates, are set forth below.

Cash and Due from Banks, Short-term Interest-Bearing Deposits, Federal Funds Sold and Securities Purchased Under Agreement to Resell, and Accrued Interest Receivable

The carrying amounts for cash and due from banks, short-term interest-bearing deposits, and federal funds sold, and securities purchased under agreements to resell, and accrued interest receivable approximate fair value because they mature in 90 days or less and do not present unanticipated credit concerns.

Held-to-Maturity Securities

The fair value of our HTM investment securities is generally based on instrument-level pricing provided to us by a third-party pricing service which utilizes a combination of market quotations in an active market where available, and industry standard models that consider various assumptions, including time value, yield curves, volatility factors, prepayment speeds, default rates, loss severity, current market and contractual prices for the underlying financial instruments, as well as other relevant economic measures. Substantially all these assumptions are observable in the marketplace, can be derived from observable data, or are supported by observable levels at which transactions are executed in the marketplace.

Loans

The estimated fair value of the Company’s loan portfolio is based on the segregation of loans by type – commercial, residential mortgage, and consumer. Each loan category is further segmented into fixed and adjustable-rate interest categories. In estimating the fair value of each category of loan, the carrying amount of the loan is reduced by an allocation of the allowance for loan losses. Such allocation is based on management’s loan classification system, which is designed to measure the credit risk inherent in each classification category.

The estimated fair value for variable rate loans is the carrying value of such loans, reduced by an allocation of the allowance for credit losses based on management’s loan classification system.

The estimated fair value of fixed-rate loans is calculated by discounting the scheduled cash flows for each loan category – commercial, residential real estate, and consumer. The cash flows through maturity for each category of fixed-rate loans are aggregated for the Company. Prepayment estimates for residential real estate and installment consumer loans are based on estimates for similar instruments in the secondary market with similar maturity schedules and interest rates. Discount rates used for each loan category of fixed rate loans represent rates the Company believes are reflective of what the Company could sell loans for based on market conditions and the Company’s assessment of credit quality.

Federal Funds Purchased and Securities Sold Under Agreements to Repurchase

The estimated fair value of federal funds purchased and securities sold under agreements to repurchase approximate their carrying values because of the short-term nature of these borrowings.

Accrued Interest Payable

The estimated fair value of accrued interest payable approximates the carrying value because of the short-term nature of the liability.

The estimated fair values of the Company’s financial instruments are as follows:


	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		-		-
Time 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
Trading	-		-		-		-
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	$	5,542,959	$	11,298,574


	December 31, 2024
	Carrying amount		Estimated fair value
			Level 1		Level 2		Level 3
	(dollars in thousands)
Financial Assets
Cash and due from banks	$	265,209	$	265,209	$	-	$	-
Short-term interest-bearing deposits	969,416		969,416		-		-
Time deposits	699		-		-		699
Federal funds sold and securities purchased under agreements to resell	7,183		7,183		-		-
Investment securities
Available for sale	5,603,723		1,270,167		4,333,556		-
Held to maturity	3,225		-		2,554		677
Equity	48,770		724		36,765		11,281
Trading	666		-		666		-
Net loans held for investment	11,469,812		-		-		11,283,393
Loans held for sale	34,264		-		34,264		-
Derivatives	10,312		-		10,312		-
Total assets	$	18,413,279	$	2,512,699	$	4,418,117	$	11,296,050


	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		-


	December 31, 2024
	Carrying amount		Estimated fair value
			Level 1		Level 2		Level 3
	(dollars in thousands)
Financial Liabilities




Federal funds purchased and customer repurchase agreements	$	1,007,295	$	1,007,295	$	-	$	-
Accrued interest payable	10,291		10,291		-		-
Derivatives	8,842		-		8,842		-

Limitations

Fair value estimates are made at a specific point in time based on relevant market information and information about the financial instruments. These estimates 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 a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective, involve uncertainties and cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

- 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
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+ Details

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Dec. 31, 2025
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Stock-Based Compensation (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Nonvested Share Activity

The following represents a summary of changes in the Company’s nonvested restricted stock shares as of December 31, 2025.


	Shares	Weighted average grant date fair value
Nonvested at January 1, 2024	294,450	$	12.94
Granted	295,950	13.08
Vested	(91,750)	12.69
Forfeited	(2,200)	13.11
Nonvested at December 31, 2024	496,450	13.07
Granted	325,500	13.53
Vested	(146,600)	12.98
Forfeited	(73,050)	13.32
Nonvested at December 31, 2025	602,300	$	13.31

Loans and Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2025

Receivables [Abstract]

Schedule of Loans

Loans consisted of the following at December 31, 2025 and 2024:


	December 31,
	2025		2024
	(dollars in thousands)
Loans held for investment:
Construction and development	$	570,749	$	552,676
Commercial, financial & agricultural	1,761,287		1,874,906
Non-owner-occupied commercial real estate1	3,150,269		3,197,765
Owner-occupied commercial real estate	1,580,260		1,572,955
Commercial real estate	4,730,529		4,770,720
Total commercial loans	7,062,565		7,198,302
Residential mortgage loans2	3,321,101		3,105,760
Home equity lines of credit	410,845		349,011
Consumer credit card	98,310		93,825
Other consumer loans	551,395		903,452
Total residential and consumer loans	4,381,651		4,452,048
Total unpaid principal balance	11,444,216		11,650,350
Add: Unearned income	(9,611)		(26,259)
Total loans held for investment	11,434,605		11,624,091
Loans held for sale	54,119		34,264
Total loans held for investment	$	11,488,724	$	11,658,355
1 Non-owner-occupied commercial real estate loans presentation updated to include multi-family loans
2 Residential mortgage loans presentation updated to include residential construction and development

Schedule of Loans Made to Officers and Directors

Loans made to officers and directors of the Company are summarized below. They were made in the ordinary course of business and otherwise on terms consistent with those available to all customers.


	December 31, 2025
	(dollars in thousands)
Balance of loans to related parties, beginning of year	$	274,803
New loans	57,204
Repayments	(41,031)
Change in relationship	49,035
Balance of loans to related parties, end of year	$	340,010

Schedule of Credit Loss Model Inputs

The assumptions utilized in estimating the Company’s allowance for credit losses at December 31, 2025 and 2024 are discussed below.


Key Assumption	December 31, 2025	December 31, 2024
Overall economic forecast	- 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.	- Forecast provided by Oxford Economics - Uncertainty around economic forecasts prior to the change in administration. - Forecasted GDP growth with expectations that imports will be front-loaded ahead of tariffs. - Path of monetary policy is uncertain with anticipation of rate cuts skewing towards fewer.
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 4.1% 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	- Unemployment ranging from 4.2% and 4.3% - GDP growth forecast of 2.6% - Prime rate is 7.5%, with a 25 basis point decline each quarter of the supportable forecast period
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: - 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	Qualitative adjustments for: - Economic uncertainty related to geopolitical risks and upcoming change in administration - Ongoing impact of inflation and increased rate environment on customer ability to repay - 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 years ended December 31, 2025 and 2024. Included within commercial loans are the following pools – real estate development & construction, commercial real estate (CRE), owner-occupied CRE, commercial & industrial (C&I), 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.


	December 31, 2025
					Commercial real estate				Residential real estate				Consumer				Total
	Construction & development		Commercial, financial, & agricultural		Non-owner occupied commercial real estate		Owner occupied commercial real estate		Residential mortgage loans		Home equity lines of credit		Consumer credit card		All other consumer credit
Allowance for credit losses on loans	(dollars in thousands)
Balance at beginning of year	$	14,119	$	23,915	$	24,815	$	9,940	$	43,471	$	4,505	$	8,299	$	25,215	$	154,279
Provision for credit losses on loans	855		3,396		235		701		5,439		1,097		2,964		(5,231)		9,456
Loans charged off	(14)		(4,749)		(816)		(384)		(731)		(64)		(3,452)		(10,986)		(21,196)
Recoveries on loans previously charged off	23		912		403		3		162		4		995		4,633		7,135
Balance at end of year	$	14,983	$	23,474	$	24,637	$	10,260	$	48,341	$	5,542	$	8,806	$	13,631	$	149,674
Liability for unfunded commitments
Balance at beginning of year	165		161		6		10		7		135		—		—		484
Provision for credit losses on unfunded lending commitments	(61)		(45)		2		(3)		2		(30)		—		—		(135)
Balance at end of year	$	104	$	116	$	8	$	7	$	9	$	105	$	—	$	—	$	349
Allowance for credit losses on loans and liability for unfunded lending commitments	$	15,087	$	23,590	$	24,645	$	10,267	$	48,350	$	5,647	$	8,806	$	13,631	$	150,023


	December 31, 2024
					Commercial real estate				Residential real estate				Consumer				Total
	Construction & development		Commercial, financial, & agricultural		Non-owner occupied commercial real estate		Owner occupied commercial real estate		Residential mortgage loans		Home equity lines of credit		Consumer credit card		All other consumer credit
Allowance for credit losses on loans	(dollars in thousands)
Balance at beginning of year	$	17,571	$	21,180	$	23,464	$	9,626	$	39,214	$	4,885	$	8,071	$	30,798	$	154,809
Provision for credit losses on loans	(2,593)		6,043		3,156		(201)		4,274		(388)		3,437		948		14,676
Loans charged off	(950)		(6,900)		(1,821)		(5)		(355)		(11)		(3,894)		(10,929)		(24,865)
Recoveries on loans previously charged off	91		3,592		16		520		338		19		685		4,398		9,659
Balance at end of year	$	14,119	$	23,915	$	24,815	$	9,940	$	43,471	$	4,505	$	8,299	$	25,215	$	154,279
Liability for unfunded commitments
Balance at beginning of year	139		206		14		8		13		188		—		—		568
Provision for credit losses on unfunded lending commitments	26		(45)		(8)		2		(6)		(53)		—		—		(84)
Balance at end of year	$	165	$	161	$	6	$	10	$	7	$	135	$	—	$	—	$	484
Allowance for credit losses on loans and liability for unfunded lending commitments	$	14,284	$	24,076	$	24,821	$	9,950	$	43,478	$	4,640	$	8,299	$	25,215	$	154,763

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 December 31, 2025 and 2024. Balances in the tables below represent total unpaid principal balances gross of unearned and unamortized loan fees and costs.


	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 loans held for investment	$	11,363,135	$	35,075	$	1,343	$	44,663	$	11,444,216


	December 31, 2024
	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	$	552,127	$	305	$	-	$	244	$	552,676
Commercial, financial & agricultural	1,856,053		15,636		256		2,961		1,874,906
Non-owner-occupied commercial real estate	3,183,234		7,642		-		6,889		3,197,765
Owner-occupied commercial real estate	1,567,254		1,561		-		4,140		1,572,955
Total commercial real estate	4,750,488		9,203		-		11,029		4,770,720
Total commercial loans	7,158,668		25,144		256		14,234		7,198,302
Residential mortgage loans	3,070,437		17,780		2,745		14,798		3,105,760
Home equity lines of credit	346,367		1,458		149		1,037		349,011
Consumer credit card	91,539		1,957		329		-		93,825
Other consumer loans	883,940		13,587		-		5,925		903,452
Total residential and consumer loans	4,392,283		34,782		3,223		21,760		4,452,048
Total loans held for investment	$	11,550,951	$	59,926	$	3,479	$	35,994	$	11,650,350

Schedule of Risk Category Of Loans In The Portfolio

The risk category of loans in the portfolio as of December 31, 2025 and 2024 are as follows:


	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
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
Commercial, financial & agricultural
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 commercial real estate
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 commercial real estate	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 commercial real estate
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 commercial real estate	232,776		135,663		118,511		192,448		242,216		543,897		114,749		1,580,260
Gross write-offs for the year ended December 31, 2025	-		-		-		384		-		-		-		384


	December 31, 2025
	Term loans amortized cost basis by origination year
	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Total
	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
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
Other consumer loans
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 other consumer loans	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	$	1,515,961	$	1,123,961	$	1,669,056	$	1,259,294	$	2,399,669	$	1,248,408	$	11,444,216
Total 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


	December 31, 2024
	Term loans amortized cost basis by origination year
	2024		2023		2022		2021		2020		Prior		Revolving loans amortized cost basis		Total

	(dollars in thousands)
Construction and development
Pass	$	141,672	$	97,331	$	148,049	$	101,162	$	10,934	$	13,752	$	23,394	$	536,294
Watch	248		3,824		11,509		-		-		-		2		15,583
Substandard	-		-		-		-		8		547		-		555
Non-accrual	-		-		141		-		89		14		-		244
Total construction and development	141,920		101,155		159,699		101,162		11,031		14,313		23,397		552,676
Gross write-offs for the year ended December 31, 2024	-		-		950		-		-		-		-		950
Commercial, financial & agricultural
Pass	399,016		252,671		235,271		178,160		90,397		184,191		494,970		1,834,676
Watch	219		877		5,160		9,378		39		210		401		16,285
Substandard	1,137		1,989		4,036		1,035		522		12,110		157		20,986
Non-accrual	48		2,222		275		53		89		122		152		2,961
Total commercial, financial & agricultural	400,419		257,760		244,741		188,626		91,047		196,633		495,680		1,874,906
Gross write-offs for the year ended December 31, 2024	4,930		195		468		455		66		232		554		6,900
Non-owner-occupied commercial real estate
Pass	329,446		270,243		649,423		459,990		319,782		1,005,568		27,534		3,061,986
Watch	-		500		28,246		13,743		11,164		53,734		916		108,303
Substandard	-		-		6,219		585		3,524		10,260		-		20,587
Non-accrual	-		-		-		493		-		6,395		-		6,889
Total non-owner-occupied commercial real estate	329,446		270,743		683,888		474,812		334,469		1,075,957		28,450		3,197,765
Gross write-offs for the year ended December 31, 2024	-		-		-		-		-		1,821		-		1,821
Owner-occupied commercial real estate
Pass	135,833		121,103		212,907		270,841		127,911		552,786		100,158		1,521,540
Watch	638		6,155		5,673		2,854		5,867		4,477		1,390		27,054
Substandard	1,752		229		5,076		464		2,519		8,405		1,777		20,222
Non-accrual	-		329		568		281		688		2,256		18		4,140
Total owner-occupied commercial real estate	138,223		127,817		224,225		274,440		136,984		567,923		103,343		1,572,955
Gross write-offs for the year ended December 31, 2024	-		-		5		-		-		-		-		5
Residential mortgage loans
Accrual	820,205		604,332		639,140		458,728		192,384		342,663		33,509		3,090,961
Non-accrual	1,055		3,633		3,650		2,235		594		3,631		-		14,798
Total residential mortgage loans	821,260		607,965		642,790		460,963		192,979		346,294		33,509		3,105,760
Gross write-offs for the year ended December 31, 2024	-		-		313		-		-		42		-		355
Home equity lines of credit
Accrual	1,176		692		207		-		-		2,929		342,970		347,974
Non-accrual	-		-		-		124		-		-		913		1,037
Total home equity lines of credit	1,176		692		207		124		-		2,929		343,883		349,011
Gross write-offs for the year ended December 31, 2024	-		-		-		-		-		2		9		11


	December 31, 2024
	Term loans amortized cost basis by origination year
	2024		2023		2022		2021		2020		Prior		Revolving loans amortized cost basis		Total
	2024		2023		2022		2021		2020		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
Consumer credit card
Current	-		-		-		-		-		-		91,539		91,539
30-89 days	-		-		-		-		-		-		1,957		1,957
90+ days	-		-		-		-		-		-		329		329
Total consumer credit card	-		-		-		-		-		-		93,825		93,825
Gross write-offs for the year ended December 31, 2024	-		-		-		-		-		-		3,894		3,894
Other consumer loans
Current	328,142		175,298		169,605		91,594		48,299		20,552		50,451		883,941
30-89 days	1,305		3,608		4,220		2,639		1,141		674		-		13,587
90+ days	-		-		-		-		-		-		-		-
Non-accrual	291		1,206		2,055		1,147		651		575		-		5,925
Total other consumer loans	329,739		180,111		175,880		95,380		50,091		21,801		50,451		903,452
Gross write-offs for the year ended December 31, 2024	211		2,935		3,850		2,378		1,079		476		-		10,929
Total loans	$	2,162,183	$	1,546,243	$	2,131,428	$	1,595,506	$	816,602	$	2,225,849	$	1,172,537	$	11,650,350
Total gross write-offs for the year ended December 31, 2024	5,141		3,130		5,586		2,833		1,145		2,573		4,457		24,865

Schedule of Amortized Cost Basis of Collateral-Dependent Loans

The following table presents the amortized cost basis of collateral-dependent loans as of December 31, 2025 and 2024, by the expected source of repayment.


	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



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


	December 31, 2024
	Real estate		Business assets		Total
	(dollars in thousands)
Construction and development	$	1,417	$	-	$	1,417
Commercial, financial & agricultural	341		-		341
Non-owner-occupied commercial real estate	7,239		-		7,239
Owner-occupied commercial real estate	3,800		-		3,800
Residential mortgage loans	2,777		47		2,824



Total	$	15,576	$	47	$	15,623

Schedule of Financing Receivable, Modified Loans

The following tables present the amortized cost of loans that were modified during the years ended December 31, 2025 and 2024.


	December 31, 2025
	Term extension		Payment delay		Interest rate reduction		Interest/fees forgiven		Other		Total		% of Total loan category
	(dollars in thousands)
Construction and development	$	4,176	$	-	$	-	$	-	$	2,107	$	6,283	1.10	%
Commercial, financial, & agricultural	4,903		812		161		-		233		6,109		0.35	%
Non-owner-occupied commercial real estate	16,665		-		-		-		5,663		22,328		0.71	%
Owner-occupied commercial real estate	8,607		1,537		4,606		1,209		-		15,959		1.01	%
Total commercial real estate	25,272		1,537		4,606		1,209		5,663		38,287		0.81	%
Residential mortgage loans	4,429		897		2,687		50		410		8,473		0.26	%
Home equity lines of credit	765		-		-		-		-		765		0.19	%
Total residential real estate	5,194		897		2,687		50		410		9,238		0.25	%
All other consumer	161		-		403		-		-		564		0.09	%
Total	$	39,706	$	3,246	$	7,857	$	1,259	$	8,413	$	60,481	0.53	%


	December 31, 2024
	Term extension		Payment delay		Interest rate reduction		Interest/fees forgiven		Other		Total		% of Total loan category
	(dollars in thousands)
Construction and development	$	2,710	$	-	$	-	$	2,126	$	556	$	5,392	0.62	%
Commercial, financial, & agricultural	3,927		-		-		185		-		4,112		0.22	%
Non-owner-occupied commercial real estate	11,531		2,869		690		5,663		-		18,800		1.03	%
Owner-occupied commercial real estate	6,015		610		-		-		-		6,625		0.42	%
Total commercial real estate	17,547		3,479		690		5,663		-		27,379		0.57	%
Residential mortgage loans	3,167		1,217		1,036		-		-		5,419		0.19	%
Home equity lines of credit	876		-		-		-		-		876		0.25	%
Residential real estate	4,043		1,217		1,036		-		-		6,295		0.20	%
All other consumer	586		317		78		-		-		981		0.11	%
Total	$	28,812	$	5,013	$	1,804	$	7,974	$	556	$	44,159	0.38	%

The following tables summarize the financial impact of loan modifications and payment deferrals during the year ended December 31, 2025 and 2024.


	December 31, 2025
	Interest/fees forgiveness		Weighted-average months of deferred payments	Weighted-average months of term extensions	Weighted-average interest rate reduction

Construction and development	$	-	-	4	-	%
Commercial, financial, & agricultural	2		4	11	6.00	%
Non-owner-occupied commercial real estate	-		-	14	-	%
Owner-occupied commercial real estate	8		-	9	6.00	%
Residential real estate	3		4	30	6.83	%
Home equity lines of credit	-		-	11	-	%
All other consumer	-		-	-	6.96	%
Total	$	13


	December 31, 2024
	Interest/fees forgiveness		Weighted-average months of deferred payments	Weighted-average months of term extensions	Weighted-average interest rate reduction

Construction and development	$	5	-	11	-	%
Commercial, financial, & agricultural	112		-	9	-	%
Non-owner-occupied commercial real estate	1		12	24	7.00	%
Owner-occupied commercial real estate	-		73	24	-	%
Residential real estate	-		17	17	5.67	%
Home equity lines of credit	-		-	11	-	%
All other consumer	-		3	12	7.24	%
Total	$	118

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 year ended December 31, 2025 and were modified on or after January 1, 2025 through December 31, 2025. For purposes of this disclosure, the Company considers “default” to mean 90 days or more past due as to interest or principal.


	December 31, 2025
	Term extension		Payment delay		Interest rate reduction		Interest/fee forgiveness		Other		Total
	(dollars in thousands)
Construction and development	$	118	$	-	$	-	$	-	$	-	$	118
Commercial, financial, & agricultural	1,043		-		115		-		43		1,202
Non-owner-occupied commercial real estate	496		-		-		-		6,069		6,565
Owner-occupied commercial real estate	726		1,122		-		-		-		1,849
Total commercial real estate	1,222		1,122		-		-		6,069		8,414
Residential mortgage loans	1,817		274		578		49		-		2,718
Home equity lines of credit	-		-		-		-		-		-
Total residential real estate	1,817		274		578		49		-		2,718
All other consumer	169		-		145		-		-		314
Total	$	4,369	$	1,396	$	838	$	49	$	6,112	$	12,766

The following table provides the amortized cost basis of loans to borrowers experiencing financial difficulty that had a payment default during the year ended December 31, 2024 and were modified on or after January 1, 2024 through December 31, 2024.


	December 31, 2024
	Term extension		Payment delay		Interest rate reduction		Interest/fee forgiveness		Other		Total
	(dollars in thousands)
Construction and development	$	-	$	-	$	-	$	-	$	-	$	-
Commercial, financial, & agricultural	63		-		17		-		-		80
Non-owner-occupied commercial real estate	3,790		-		-		-		-		3,790
Owner-occupied commercial real estate	820		-		-		-		-		820
Total commercial real estate	4,609		-		-		-		-		4,609
Residential mortgage loans	480		-		77		-		-		558
Home equity lines of credit	-		-		-		-		-		-
Total residential real estate	480		-		77		-		-		559
All other consumer	82		-		127		-		-		209
Total	$	5,235	$	-	$	221	$	-	$	-	$	5,457

Deposits (Tables)

12 Months Ended

Dec. 31, 2025

Deposits [Abstract]

Schedule of Time Deposit Maturities

Maturities of time deposits are as follows at December 31, 2025 (in thousands):


2026	$	1,545,913
2027	59,624
2028	17,204
2029	8,133
2030	4,052
Thereafter	152
	$	1,635,078

Land, Buildings, and Equipment (Tables)

12 Months Ended

Dec. 31, 2025

Property, Plant and Equipment [Abstract]

Schedule of Land, Buildings and Equipment

A summary of land, buildings, and equipment at December 31, 2025 and 2024 is as follows:


	December 31,
	2025		2024
	(dollars in thousands)
Land	$	58,316	59,321
Buildings and improvements	306,067		294,479
Equipment	67,410		64,649
Right of use assets, net of amortization	31,281		30,187
Total land, buildings and equipment	463,074		448,636
Less accumulated depreciation	247,143		233,320
Total land, buildings and equipment, net	$	215,931	215,316

Schedule of Estimated Future Depreciation Expense

The following table shows the estimated future depreciation expense based on existing asset balances as of December 31, 2025 (in thousands):


2026	$	14,763
2027	12,515
2028	11,387
2029	10,066
2030	8,840
Thereafter	68,762

Earnings Per Share - Narrative (Details) $ in Millions	Dec. 31, 2025 USD ($) class	Jun. 30, 2023 USD ($)
Earnings Per Share [Abstract]
Number of class of common stock \| class	2
Purchase price, amount		$ 25.0
Remaining authorization, amount	$ 12.0

Mortgage Banking Activities (Tables)

12 Months Ended

Dec. 31, 2025

Transfers and Servicing [Abstract]

Schedule of Components of Mortgage Banking Revenue

Included in mortgage banking revenues in the accompanying consolidated statements of income for 2025 and 2024 are the following:


	December 31,
	2025		2024
	(dollars in thousands)
Gains on sale of mortgage loans	$	27,121	$	26,090
Fees on real estate loans sold	1,907		3,279
(Losses) gains on interest rate lock commitments (IRLC) and associated hedging¹	(1,003)		589
Servicing fees	11,546		12,122
Mortgage banking revenues	$	39,571	42,080
1 For more information on this item, see "Note 1, Summary of Significant Accounting Policies—Derivative Financial Instruments," to our consolidated financial statements.

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:


	December 31,
	2025		2024
Discount rate	9.16	%	9.31	%
Prepayment speed	7.10	%	7.00	%
Delinquency rate	0.86	%	0.79	%

Schedule of Changes to MSRs

A summary of the mortgage servicing rights is as follows:


	December 31,
	2025		2024
	(dollars in thousands)
Balance at beginning of year	$	30,423	$	33,876
Capitalized mortgage servicing rights	5,039		2,866
Amortization	(6,071)		(6,319)
Change in valuation allowance	-		-
Balance at end of year	$	29,391	$	30,423

Schedule of Servicing Assets, Future Amortization Expense


2026	$	3,845
2027	3,443
2028	3,094
2029	2,765
Thereafter	16,243

Goodwill and Intangible Assets - Schedule of Intangible Assets and Goodwill (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Amortizable intangible assets:
Gross carrying amount	$ 26,598	$ 32,152
Accumulated amortization	(23,170)	(25,499)
Net amount	3,427	6,653
Goodwill:
Gross carrying amount	348,237	348,237
Accumulated amortization	0	0
Net amount	348,237	348,237
Consumer
Goodwill:
Gross carrying amount	126,095	126,095
Accumulated amortization	0	0
Net amount	126,095	126,095
Commercial
Goodwill:
Gross carrying amount	210,331	210,331
Accumulated amortization	0	0
Net amount	210,331	210,331
Wealth Management
Goodwill:
Gross carrying amount	11,811	11,811
Accumulated amortization	0	0
Net amount	11,811	11,811
Core Deposits
Amortizable intangible assets:
Gross carrying amount	20,498	26,052
Accumulated amortization	(18,304)	(20,930)
Net amount	2,194	5,122
Customer Lists
Amortizable intangible assets:
Gross carrying amount	6,100	6,100
Accumulated amortization	(4,866)	(4,569)
Net amount	$ 1,233	$ 1,531

Deposits

12 Months Ended

Dec. 31, 2025

Deposits [Abstract]

Deposits

Maturities of time deposits are as follows at December 31, 2025 (in thousands):


2026	$	1,545,913
2027	59,624
2028	17,204
2029	8,133
2030	4,052
Thereafter	152
	$	1,635,078

Time deposits include certificates of deposit of $250 thousand and over, totaling approximately $547.4 million and $536.7 million at December 31, 2025 and 2024, respectively. Interest expense on such deposits amounted to $17.6 million and $20.0 million in 2025 and 2024, respectively.

Deposits from related parties were $284.6 million and $230.7 million at December 31, 2025 and 2024, respectively.

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
Cybersecurity Risk Management and Strategy Disclosure	Dec. 31, 2025
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	Cybersecurity Program and Management Oversight Cybersecurity is an important part of the Company’s risk management. We maintain a layered governance structure to oversee cybersecurity risk as part of its enterprise risk management framework. Our Board, both directly and through its committees, is responsible for overseeing our risk management processes. The Board exercises oversight of cybersecurity risk primarily through its Risk Committee, which receives regular reports and is informed of significant cybersecurity incidents and events and reports to the full Board as appropriate. Management oversight begins with the IT Risk Committee, which meets weekly to identify, monitor, and manage information technology and cybersecurity risks and escalate significant matters as appropriate. Executive oversight is provided by the Technology Management Committee, which is chaired by the Chief Information Officer and reports to the Risk Committee. The Technology Management Committee is responsible for (i) assisting the Board in defining the Company’s risk appetite with regard to technology, security, and data; (ii) evaluating the alignment of technology investments with business objectives and risk tolerance; (iii) overseeing information technology, cybersecurity, and data governance risks, ensuring they are managed in line with the Company’s risk profile and regulatory expectations; (iv) ensuring effective IT governance, including policies, procedures, and internal controls; and (v) tracking the progress and performance of major IT projects. The Technology Management Committee meets quarterly to review significant technology and cybersecurity risks, related management actions, and escalation items. Cybersecurity risk is also reviewed quarterly by the Enterprise Risk Management Committee through key risk indicators and key performance indicators and considered in the context of the Company’s overall enterprise risk profile. We have adopted comprehensive information security and data privacy policies and standards informed by recognized industry frameworks, including the Center for Internet Security (CIS) Critical Security Controls and applicable International Organization for Standardization (ISO) standards, and regularly benchmarks its information security program against reputable industry assessments to support ongoing effectiveness and maturity. Within this framework, we have established defined management roles responsible for the day‑to‑day oversight and execution of cybersecurity and information security activities. These roles operate within management‑level committees and reporting structures designed to translate governance objectives and risk appetite into operational practices, support regulatory engagement and examination readiness, and ensure timely identification, escalation, and reporting of cybersecurity risks to executive management and the Board, as appropriate. Management involved in cybersecurity and information security activities possess the necessary skills and expertise to manage and enforce our information security and privacy policies and standards. The following descriptions summarize the responsibilities of key management positions with direct oversight of technology, cybersecurity operations, and information security. Chief Information Officer - Our technology and information systems are overseen by the Chief Information Officer, who is responsible for enterprise technology strategy and operations, including core banking systems, infrastructure, and technology services supporting banking operations. This role provides leadership over technology functions and personnel and works closely with executive management, information security leadership, and risk management stakeholders to support the reliability, resilience, and security of the Company’s technology environment. The Chief Information Officer also contributes to management‑level and Board‑level discussions regarding significant technology initiatives, operational resilience, and emerging technology‑related risks. The Chief Information Officer has more than 35 years of experience working with the development, deployment, and support of IT solutions for financial institutions. Director of Cybersecurity - Our cybersecurity program is led by the Director of Cybersecurity, who reports within the Company's technology function. In this role, the Director of Cybersecurity is responsible for the design and execution of cybersecurity operations, including security architecture, vulnerability management, identity and access controls, and components of third‑party risk oversight. This role works closely with executive management, technology teams, and information security leadership to enforce cybersecurity controls, support enterprise resilience, and identify and address emerging cyber and technology risks. The Director of Cybersecurity serves as a key liaison between technical security operations and broader governance and risk management functions and supports regulatory engagement, examination readiness, and management‑level and board‑level discussions regarding cybersecurity and technology risk. The Director of Cybersecurity has more than 35 years of experience across technology, infrastructure, and cybersecurity roles of increasing responsibility. Vice President, Information Security - Our information security function is led by the Vice President, Information Security, who reports to the Chief Risk Officer as part of our Risk Management function. In this role, the Vice President, Information Security oversees the enterprise information security program, including cybersecurity governance, risk management, security awareness, third‑party risk management, and regulatory engagement. This role works closely with executive leadership, technology teams, and risk management stakeholders to oversee cybersecurity controls, support enterprise resilience, and address emerging technology and information security risks. The Vice President, Information Security also serves as a primary liaison with banking regulators and contributes to management‑level and board‑level discussions regarding cybersecurity and technology risk. The Vice President, Information Security has more than 25 years of experience in cybersecurity, systems administration, and technology roles of increasing responsibility. We are required to protect customer information in compliance with the GLBA and other consumer privacy laws and regulations. Our information security program is regularly audited by Company internal auditors. We engage independent third parties to perform quarterly vulnerability scans and annual penetration testing against system infrastructure. We also maintain insurance commensurate with management’s assessment of the levels of security and privacy risk. All employees are required to take regular training on information security requirements and must acknowledge policies and standards annually. In addition, we conduct frequent phishing campaigns to test and educate all employees on how to spot phishing attacks and to measure the effectiveness of our training program. We also maintain a Cybersecurity Incident Response Policy which outlines the steps to be taken in the event of a cybersecurity incident. The Cybersecurity Incident Response Policy identifies a cybersecurity incident response team, led by the Director of Cybersecurity, and summarizes the processes regarding the identification of incidents, communication during an incident response process, containment efforts, and recovery and eradication strategy. We actively monitor its systems for cybersecurity threats using a variety of methods, including alerts that can be raised by automated monitoring tools, personal observations of security or operations personnel, employee reports, or notifications from external entities, such as business partners or law enforcement. Finally, applications, infrastructure components and service providers that handle sensitive information are evaluated annually as part of the information security risk assessment. New applications, infrastructure components and service providers are also assessed prior to integration with existing systems. We have processes in place to oversee and identify the cybersecurity risks associated with third-party service providers before onboarding new providers and on an ongoing basis, and contractually require material service providers, contractors, sub-contractors, or other third parties that process, transmit, access, or store bank or customer data to comply with relevant Company policies (including, but not limited to, retention, encryption, transmission, and application security policies) and safeguards and to be in compliance with applicable laws. We face cybersecurity risks in connection with its normal business that could have a material adverse effect on its business strategy, results of operations, financial condition, or reputation. Although such risks have not materially affected the Company, it has experienced, and may continue to experience, cybersecurity incidents during the normal course of business. For further discussion about these risks, see “Part I, Item 1A. Risk Factors—Operational Risks—The occurrence of fraudulent activity, breaches or failures of our information security controls or cybersecurity-related incidents could have a material adverse effect on our business, financial condition and results of operations,” in this Annual Report on Form 10-K.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	Cybersecurity is an important part of the Company’s risk management. We maintain a layered governance structure to oversee cybersecurity risk as part of its enterprise risk management framework.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	Our Board, both directly and through its committees, is responsible for overseeing our risk management processes. The Board exercises oversight of cybersecurity risk primarily through its Risk Committee, which receives regular reports and is informed of significant cybersecurity incidents and events and reports to the full Board as appropriate.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	Our Board, both directly and through its committees, is responsible for overseeing our risk management processes. The Board exercises oversight of cybersecurity risk primarily through its Risk Committee, which receives regular reports and is informed of significant cybersecurity incidents and events and reports to the full Board as appropriate.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	Management oversight begins with the IT Risk Committee, which meets weekly to identify, monitor, and manage information technology and cybersecurity risks and escalate significant matters as appropriate. Executive oversight is provided by the Technology Management Committee, which is chaired by the Chief Information Officer and reports to the Risk Committee. The Technology Management Committee is responsible for (i) assisting the Board in defining the Company’s risk appetite with regard to technology, security, and data; (ii) evaluating the alignment of technology investments with business objectives and risk tolerance; (iii) overseeing information technology, cybersecurity, and data governance risks, ensuring they are managed in line with the Company’s risk profile and regulatory expectations; (iv) ensuring effective IT governance, including policies, procedures, and internal controls; and (v) tracking the progress and performance of major IT projects. The Technology Management Committee meets quarterly to review significant technology and cybersecurity risks, related management actions, and escalation items. Cybersecurity risk is also reviewed quarterly by the Enterprise Risk Management Committee through key risk indicators and key performance indicators and considered in the context of the Company’s overall enterprise risk profile.
Cybersecurity Risk Role of Management [Text Block]	Management oversight begins with the IT Risk Committee, which meets weekly to identify, monitor, and manage information technology and cybersecurity risks and escalate significant matters as appropriate. Executive oversight is provided by the Technology Management Committee, which is chaired by the Chief Information Officer and reports to the Risk Committee. The Technology Management Committee is responsible for (i) assisting the Board in defining the Company’s risk appetite with regard to technology, security, and data; (ii) evaluating the alignment of technology investments with business objectives and risk tolerance; (iii) overseeing information technology, cybersecurity, and data governance risks, ensuring they are managed in line with the Company’s risk profile and regulatory expectations; (iv) ensuring effective IT governance, including policies, procedures, and internal controls; and (v) tracking the progress and performance of major IT projects. The Technology Management Committee meets quarterly to review significant technology and cybersecurity risks, related management actions, and escalation items. Cybersecurity risk is also reviewed quarterly by the Enterprise Risk Management Committee through key risk indicators and key performance indicators and considered in the context of the Company’s overall enterprise risk profile.We have adopted comprehensive information security and data privacy policies and standards informed by recognized industry frameworks, including the Center for Internet Security (CIS) Critical Security Controls and applicable International Organization for Standardization (ISO) standards, and regularly benchmarks its information security program against reputable industry assessments to support ongoing effectiveness and maturity. Within this framework, we have established defined management roles responsible for the day‑to‑day oversight and execution of cybersecurity and information security activities. These roles operate within management‑level committees and reporting structures designed to translate governance objectives and risk appetite into operational practices, support regulatory engagement and examination readiness, and ensure timely identification, escalation, and reporting of cybersecurity risks to executive management and the Board, as appropriate. Management involved in cybersecurity and information security activities possess the necessary skills and expertise to manage and enforce our information security and privacy policies and standards.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	Management oversight begins with the IT Risk Committee, which meets weekly to identify, monitor, and manage information technology and cybersecurity risks and escalate significant matters as appropriate. Executive oversight is provided by the Technology Management Committee, which is chaired by the Chief Information Officer and reports to the Risk Committee. The Technology Management Committee is responsible for (i) assisting the Board in defining the Company’s risk appetite with regard to technology, security, and data; (ii) evaluating the alignment of technology investments with business objectives and risk tolerance; (iii) overseeing information technology, cybersecurity, and data governance risks, ensuring they are managed in line with the Company’s risk profile and regulatory expectations; (iv) ensuring effective IT governance, including policies, procedures, and internal controls; and (v) tracking the progress and performance of major IT projects. The Technology Management Committee meets quarterly to review significant technology and cybersecurity risks, related management actions, and escalation items. Cybersecurity risk is also reviewed quarterly by the Enterprise Risk Management Committee through key risk indicators and key performance indicators and considered in the context of the Company’s overall enterprise risk profile. We have adopted comprehensive information security and data privacy policies and standards informed by recognized industry frameworks, including the Center for Internet Security (CIS) Critical Security Controls and applicable International Organization for Standardization (ISO) standards, and regularly benchmarks its information security program against reputable industry assessments to support ongoing effectiveness and maturity. Within this framework, we have established defined management roles responsible for the day‑to‑day oversight and execution of cybersecurity and information security activities. These roles operate within management‑level committees and reporting structures designed to translate governance objectives and risk appetite into operational practices, support regulatory engagement and examination readiness, and ensure timely identification, escalation, and reporting of cybersecurity risks to executive management and the Board, as appropriate. Management involved in cybersecurity and information security activities possess the necessary skills and expertise to manage and enforce our information security and privacy policies and standards. The following descriptions summarize the responsibilities of key management positions with direct oversight of technology, cybersecurity operations, and information security. Chief Information Officer - Our technology and information systems are overseen by the Chief Information Officer, who is responsible for enterprise technology strategy and operations, including core banking systems, infrastructure, and technology services supporting banking operations. This role provides leadership over technology functions and personnel and works closely with executive management, information security leadership, and risk management stakeholders to support the reliability, resilience, and security of the Company’s technology environment. The Chief Information Officer also contributes to management‑level and Board‑level discussions regarding significant technology initiatives, operational resilience, and emerging technology‑related risks. The Chief Information Officer has more than 35 years of experience working with the development, deployment, and support of IT solutions for financial institutions. Director of Cybersecurity - Our cybersecurity program is led by the Director of Cybersecurity, who reports within the Company's technology function. In this role, the Director of Cybersecurity is responsible for the design and execution of cybersecurity operations, including security architecture, vulnerability management, identity and access controls, and components of third‑party risk oversight. This role works closely with executive management, technology teams, and information security leadership to enforce cybersecurity controls, support enterprise resilience, and identify and address emerging cyber and technology risks. The Director of Cybersecurity serves as a key liaison between technical security operations and broader governance and risk management functions and supports regulatory engagement, examination readiness, and management‑level and board‑level discussions regarding cybersecurity and technology risk. The Director of Cybersecurity has more than 35 years of experience across technology, infrastructure, and cybersecurity roles of increasing responsibility. Vice President, Information Security - Our information security function is led by the Vice President, Information Security, who reports to the Chief Risk Officer as part of our Risk Management function. In this role, the Vice President, Information Security oversees the enterprise information security program, including cybersecurity governance, risk management, security awareness, third‑party risk management, and regulatory engagement. This role works closely with executive leadership, technology teams, and risk management stakeholders to oversee cybersecurity controls, support enterprise resilience, and address emerging technology and information security risks. The Vice President, Information Security also serves as a primary liaison with banking regulators and contributes to management‑level and board‑level discussions regarding cybersecurity and technology risk. The Vice President, Information Security has more than 25 years of experience in cybersecurity, systems administration, and technology roles of increasing responsibility.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	Chief Information Officer - Our technology and information systems are overseen by the Chief Information Officer, who is responsible for enterprise technology strategy and operations, including core banking systems, infrastructure, and technology services supporting banking operations. This role provides leadership over technology functions and personnel and works closely with executive management, information security leadership, and risk management stakeholders to support the reliability, resilience, and security of the Company’s technology environment. The Chief Information Officer also contributes to management‑level and Board‑level discussions regarding significant technology initiatives, operational resilience, and emerging technology‑related risks. The Chief Information Officer has more than 35 years of experience working with the development, deployment, and support of IT solutions for financial institutions. Director of Cybersecurity - Our cybersecurity program is led by the Director of Cybersecurity, who reports within the Company's technology function. In this role, the Director of Cybersecurity is responsible for the design and execution of cybersecurity operations, including security architecture, vulnerability management, identity and access controls, and components of third‑party risk oversight. This role works closely with executive management, technology teams, and information security leadership to enforce cybersecurity controls, support enterprise resilience, and identify and address emerging cyber and technology risks. The Director of Cybersecurity serves as a key liaison between technical security operations and broader governance and risk management functions and supports regulatory engagement, examination readiness, and management‑level and board‑level discussions regarding cybersecurity and technology risk. The Director of Cybersecurity has more than 35 years of experience across technology, infrastructure, and cybersecurity roles of increasing responsibility. Vice President, Information Security - Our information security function is led by the Vice President, Information Security, who reports to the Chief Risk Officer as part of our Risk Management function. In this role, the Vice President, Information Security oversees the enterprise information security program, including cybersecurity governance, risk management, security awareness, third‑party risk management, and regulatory engagement. This role works closely with executive leadership, technology teams, and risk management stakeholders to oversee cybersecurity controls, support enterprise resilience, and address emerging technology and information security risks. The Vice President, Information Security also serves as a primary liaison with banking regulators and contributes to management‑level and board‑level discussions regarding cybersecurity and technology risk. The Vice President, Information Security has more than 25 years of experience in cybersecurity, systems administration, and technology roles of increasing responsibility.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	We also maintain a Cybersecurity Incident Response Policy which outlines the steps to be taken in the event of a cybersecurity incident. The Cybersecurity Incident Response Policy identifies a cybersecurity incident response team, led by the Director of Cybersecurity, and summarizes the processes regarding the identification of incidents, communication during an incident response process, containment efforts, and recovery and eradication strategy. We actively monitor its systems for cybersecurity threats using a variety of methods, including alerts that can be raised by automated monitoring tools, personal observations of security or operations personnel, employee reports, or notifications from external entities, such as business partners or law enforcement.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Customer Repurchase Agreements (Tables)

12 Months Ended

Dec. 31, 2025

Statistical Disclosure for Banks [Abstract]

Schedule of Securities Sold Under Agreements to Repurchase

Information concerning securities sold under agreements to repurchase during the year is as follows:


	December 31,
	2025			2024
	(dollars in thousands)
Average monthly balance during the year	$	888,197		865,928
Maximum month-end balance during the year	946,635			919,153
Average interest rate during the year	2.22		%	2.39	%

Schedule of Remaining Contractual Maturities of Repurchase Agreements Outstanding

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


	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

Leasing (Tables)

12 Months Ended

Dec. 31, 2025

Leases [Abstract]

Schedule of Components of Lease Cost

The table below summarizes lease-related balances that the Company reported on its consolidated balance sheets and lease terms:


	December 31,
	2025			2024
	(dollars in thousands)
Lease balances
Right of use assets	$	31,281		$	30,187
Lease liabilities	32,557			31,522
Lease terms
Operating leases
Year through which lease terms extend	2049			2049
Weighted average remaining lease term	23.8			25.1
Weighted average discount rate	3.91		%	3.80		%
Finance leases
Year through which lease terms extend	2038			2027
Weighted average remaining lease term	3.1			2.1
Weighted average discount rate	1.49		%	1.49		%

The following table presents lease costs, which are included in net occupancy and equipment expenses on the Consolidated Statements of Income:


	December 31,
	2025		2024
	(dollars in thousands)
Lease costs
Operating lease costs	$	3,506	$	3,633
Finance lease costs	5		5
Short-term lease costs	680		493
Total lease costs	$	4,191	$	4,132

Cash paid for amounts included in the measurement of lease liabilities was as follows:


	December 31,
	2025		2024
	(dollars in thousands)
Cash flows related to leases
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$	3,539	$	3,585
Financing cash flows from finance leases	5		5
Operating lease cash flows - liability reduction	2,902		2,570
ROU assets obtained during the period in exchange for operating lease liabilities	3,938		606
ROU assets obtained during the period in exchange for financing lease liabilities	-		-

Schedule of Future Minimum Lease Payments - Operating Leases

The Company’s undiscounted operating lease liabilities are scheduled to mature as follows:


	As of December 31,
	2025
	(dollars in thousands)
Rent commitments
2026	$	3,440
2027	3,085
2028	2,837
2029	2,676
2030	2,332
Thereafter	36,184
Total undiscounted cash flows	50,555
Less: Amounts representing interest	(17,997)
Present value of future minimum lease payments	$	32,557

Capital Structure, Share Reclassification, Stock Split Effective in the Form of a Stock Dividend	12 Months Ended
	Dec. 31, 2025
Equity [Abstract]
Capital Structure, Share Reclassification, Stock Split Effective in the Form of a Stock Dividend	Capital Structure, Share Reclassification, Stock Split Effective in the Form of a Stock Dividend In April of 2025, the Company filed a Second Amended and Restated Articles of Incorporation following shareholder approval to amend its capital structure. The amendment, effective April 28, 2025, increased the number of authorized shares of capital stock from 13,000,000 to 600,000,000 shares, allocated as follows: 500,000,000 shares of Class A Common Stock, 50,000,000 shares of Class B Common Stock, and 50,000,000 shares of Preferred Stock. Additionally, the par value of all classes of stock was reduced from $1.00 per share to $0.01 per share. As part of the amendment, all outstanding shares of Class B Common Stock were reclassified into Class A Common Stock on a one-for-one basis. As a result, 143,306,750 shares of Class B Common Stock outstanding as of December 31, 2024, were converted into Class A Common Stock, and no shares of Class B Common Stock remain outstanding. On October 9, 2025, the Company declared a 50-for-1 stock split of the Company’s common stock in the form of a stock dividend, entitling each shareholder of record to receive 49 additional shares of common stock for every one share owned. The record date for the stock dividend is October 20, 2025, with a distribution date for the new shares of October 24, 2025. The par value per share of our common stock remains $0.01 per share. The Company has retroactively adjusted all share and per-share data in the consolidated financial statements for all periods presented to reflect the reclassification, revised capital structure, and stock split as if they had occurred at the beginning of the earliest period presented.

- Definition

The entire disclosure for equity.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Section 50
-Paragraph 8A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-8A

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-Paragraph 13
-Subparagraph (b)
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-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-Paragraph 13
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-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-Paragraph 14
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-URI https://asc.fasb.org/1943274/2147481112/505-10-50-14

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477968/946-235-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
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-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477968/946-235-50-2

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
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-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478448/946-505-50-6

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480237/815-40-50-6

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1

Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 505
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/505/tableOfContent

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-14

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-14

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-16

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 18
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-18

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 18
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-18

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 18
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-18

+ Details

Deposits- Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Deposit Liability [Line Items]
Time deposits, at or above FDIC insurance limit	$ 547,400	$ 536,700
Deposit liabilities accrued interest	17,600	20,000
Total deposits	15,862,625	14,985,848
Related Party
Deposit Liability [Line Items]
Total deposits	$ 284,600	$ 230,700

Loans and Allowance for Credit Losses - Schedule of Loans to Directors and Officers (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2025 USD ($)
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance of loans to related parties, beginning of year	$ 274,803
New loans	57,204
Repayments	(41,031)
Change in relationship	49,035
Balance of loans to related parties, end of year	$ 340,010

Loans and Allowance for Credit Losses - Schedule of Risk Category Of Loans In The Portfolio (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	$ 2,227,867	$ 2,162,183
Fiscal year before current fiscal year	1,515,961	1,546,243
Two years before current fiscal year	1,123,961	2,131,428
Three years before current fiscal year	1,669,056	1,595,506
Four years before current fiscal year	1,259,294	816,602
Prior	2,399,669	2,225,849
Revolving loans amortized cost basis	1,248,408	1,172,537
Total	11,444,216	11,650,350
Gross write-offs for the year ended December 31, 2025
Current fiscal year	4,853	5,141
Fiscal year before current fiscal year	1,589	3,130
Two years before current fiscal year	3,341	5,586
Three years before current fiscal year	3,478	2,833
Four years before current fiscal year	1,476	1,145
Prior	2,788	2,573
Revolving loans amortized cost basis	3,671	4,457
Total	21,196	24,865
Current or less than 30 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	11,363,135	11,550,951
30 - 89 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	35,075	59,926
Construction and development
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	165,978	141,920
Fiscal year before current fiscal year	207,556	101,155
Two years before current fiscal year	32,976	159,699
Three years before current fiscal year	77,104	101,162
Four years before current fiscal year	36,631	11,031
Prior	17,936	14,313
Revolving loans amortized cost basis	32,568	23,397
Total	570,749	552,676
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	950
Three years before current fiscal year	0	0
Four years before current fiscal year	0	0
Prior	14	0
Revolving loans amortized cost basis	0	0
Total	14	950
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	570,668	552,127
Construction and development \| 30 - 89 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	0	305
Construction and development \| Pass
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	165,449	141,672
Fiscal year before current fiscal year	207,312	97,331
Two years before current fiscal year	27,395	148,049
Three years before current fiscal year	71,348	101,162
Four years before current fiscal year	36,631	10,934
Prior	17,334	13,752
Revolving loans amortized cost basis	32,568	23,394
Total	558,037	536,294
Construction and development \| Watch
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	529	248
Fiscal year before current fiscal year	244	3,824
Two years before current fiscal year	1,486	11,509
Three years before current fiscal year	3,490	0
Four years before current fiscal year	0	0
Prior	0	0
Revolving loans amortized cost basis	0	2
Total	5,749	15,583
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	0	0
Two years before current fiscal year	4,095	0
Three years before current fiscal year	2,266	0
Four years before current fiscal year	0	8
Prior	521	547
Revolving loans amortized cost basis	0	0
Total	6,882	555
Construction and development \| Nonaccrual
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	141
Three years before current fiscal year	0	0
Four years before current fiscal year	0	89
Prior	81	14
Revolving loans amortized cost basis	0	0
Total	81	244
Commercial, financial & agricultural
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	387,544	400,419
Fiscal year before current fiscal year	259,890	257,760
Two years before current fiscal year	151,320	244,741
Three years before current fiscal year	159,081	188,626
Four years before current fiscal year	102,178	91,047
Prior	223,609	196,633
Revolving loans amortized cost basis	477,665	495,680
Total	1,761,287	1,874,906
Gross write-offs for the year ended December 31, 2025
Current fiscal year	1,393	4,930
Fiscal year before current fiscal year	358	195
Two years before current fiscal year	1,148	468
Three years before current fiscal year	824	455
Four years before current fiscal year	100	66
Prior	746	232
Revolving loans amortized cost basis	180	554
Total	4,749	6,900
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	1,751,575	1,856,053
Commercial, financial & agricultural \| 30 - 89 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	4,097	15,636
Commercial, financial & agricultural \| Pass
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	383,642	399,016
Fiscal year before current fiscal year	257,121	252,671
Two years before current fiscal year	147,877	235,271
Three years before current fiscal year	154,197	178,160
Four years before current fiscal year	94,111	90,397
Prior	211,879	184,191
Revolving loans amortized cost basis	475,596	494,970
Total	1,724,423	1,834,676
Commercial, financial & agricultural \| Watch
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	1,883	219
Fiscal year before current fiscal year	1,294	877
Two years before current fiscal year	891	5,160
Three years before current fiscal year	652	9,378
Four years before current fiscal year	98	39
Prior	204	210
Revolving loans amortized cost basis	1,082	401
Total	6,104	16,285
Commercial, financial & agricultural \| Substandard
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	1,981	1,137
Fiscal year before current fiscal year	1,428	1,989
Two years before current fiscal year	1,113	4,036
Three years before current fiscal year	1,242	1,035
Four years before current fiscal year	7,922	522
Prior	11,211	12,110
Revolving loans amortized cost basis	282	157
Total	25,179	20,986
Commercial, financial & agricultural \| Nonaccrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	38	48
Fiscal year before current fiscal year	47	2,222
Two years before current fiscal year	1,439	275
Three years before current fiscal year	2,990	53
Four years before current fiscal year	47	89
Prior	315	122
Revolving loans amortized cost basis	705	152
Total	5,581	2,961
Commercial real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	4,730,529	4,770,720
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	4,713,127	4,750,488
Commercial real estate \| 30 - 89 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	5,853	9,203
Commercial real estate \| Non-owner-occupied commercial real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	417,956	329,446
Fiscal year before current fiscal year	258,746	270,743
Two years before current fiscal year	270,672	683,888
Three years before current fiscal year	608,320	474,812
Four years before current fiscal year	431,346	334,469
Prior	1,129,297	1,075,957
Revolving loans amortized cost basis	33,932	28,450
Total	3,150,269	3,197,765
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	816	1,821
Revolving loans amortized cost basis	0	0
Total	816	1,821
Commercial real estate \| Non-owner-occupied 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	3,137,206	3,183,234
Commercial real estate \| Non-owner-occupied commercial real estate \| 30 - 89 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	4,056	7,642
Commercial real estate \| Non-owner-occupied commercial real estate \| Pass
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	417,956	329,446
Fiscal year before current fiscal year	257,298	270,243
Two years before current fiscal year	270,435	649,423
Three years before current fiscal year	572,181	459,990
Four years before current fiscal year	421,783	319,782
Prior	1,063,545	1,005,568
Revolving loans amortized cost basis	33,545	27,534
Total	3,036,743	3,061,986
Commercial real estate \| Non-owner-occupied commercial real estate \| 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	527	500
Two years before current fiscal year	237	28,246
Three years before current fiscal year	6,487	13,743
Four years before current fiscal year	0	11,164
Prior	49,660	53,734
Revolving loans amortized cost basis	387	916
Total	57,298	108,303
Commercial real estate \| Non-owner-occupied commercial real estate \| 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	921	0
Two years before current fiscal year	0	6,219
Three years before current fiscal year	23,488	585
Four years before current fiscal year	9,538	3,524
Prior	13,274	10,260
Revolving loans amortized cost basis	0	0
Total	47,221	20,587
Commercial real estate \| Non-owner-occupied commercial real estate \| Nonaccrual
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	6,164	493
Four years before current fiscal year	25	0
Prior	2,818	6,395
Revolving loans amortized cost basis	0	0
Total	9,007	6,889
Commercial real estate \| Owner-occupied commercial real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	232,776	138,223
Fiscal year before current fiscal year	135,663	127,817
Two years before current fiscal year	118,511	224,225
Three years before current fiscal year	192,448	274,440
Four years before current fiscal year	242,216	136,984
Prior	543,897	567,923
Revolving loans amortized cost basis	114,749	103,343
Total	1,580,260	1,572,955
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	5
Three years before current fiscal year	384	0
Four years before current fiscal year	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	384	5
Commercial real estate \| Owner-occupied 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	1,575,921	1,567,254
Commercial real estate \| Owner-occupied commercial real estate \| 30 - 89 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	1,797	1,561
Commercial real estate \| Owner-occupied commercial real estate \| Pass
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	231,225	135,833
Fiscal year before current fiscal year	132,459	121,103
Two years before current fiscal year	110,736	212,907
Three years before current fiscal year	173,201	270,841
Four years before current fiscal year	235,419	127,911
Prior	517,212	552,786
Revolving loans amortized cost basis	111,649	100,158
Total	1,511,901	1,521,540
Commercial real estate \| Owner-occupied commercial real estate \| Watch
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	1,133	638
Fiscal year before current fiscal year	1,154	6,155
Two years before current fiscal year	4,080	5,673
Three years before current fiscal year	3,006	2,854
Four years before current fiscal year	5,634	5,867
Prior	16,519	4,477
Revolving loans amortized cost basis	1,229	1,390
Total	32,755	27,054
Commercial real estate \| Owner-occupied commercial real estate \| Substandard
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	418	1,752
Fiscal year before current fiscal year	2,050	229
Two years before current fiscal year	3,623	5,076
Three years before current fiscal year	15,059	464
Four years before current fiscal year	904	2,519
Prior	9,137	8,405
Revolving loans amortized cost basis	1,871	1,777
Total	33,062	20,222
Commercial real estate \| Owner-occupied commercial real estate \| Nonaccrual
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	329
Two years before current fiscal year	72	568
Three years before current fiscal year	1,182	281
Four years before current fiscal year	259	688
Prior	1,029	2,256
Revolving loans amortized cost basis	0	18
Total	2,542	4,140
Residential real estate \| Residential real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	913,162	821,260
Fiscal year before current fiscal year	548,959	607,965
Two years before current fiscal year	437,727	642,790
Three years before current fiscal year	532,878	460,963
Four years before current fiscal year	398,365	192,979
Prior	444,169	346,294
Revolving loans amortized cost basis	45,841	33,509
Total	3,321,101	3,105,760
Gross write-offs for the year ended December 31, 2025
Current fiscal year	263	0
Fiscal year before current fiscal year	30	0
Two years before current fiscal year	189	313
Three years before current fiscal year	158	0
Four years before current fiscal year	91	0
Prior	0	42
Revolving loans amortized cost basis	0	0
Total	731	355
Residential real estate \| Residential 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	3,283,403	3,070,437
Residential real estate \| Residential real estate \| 30 - 89 days past due
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total	12,943	17,780
Residential real estate \| Residential real estate \| Nonaccrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	510	1,055
Fiscal year before current fiscal year	4,328	3,633
Two years before current fiscal year	8,425	3,650
Three years before current fiscal year	3,002	2,235
Four years before current fiscal year	4,121	594
Prior	3,507	3,631
Revolving loans amortized cost basis	0	0
Total	23,893	14,798
Residential real estate \| Residential real estate \| Accrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	912,652	820,205
Fiscal year before current fiscal year	544,631	604,332
Two years before current fiscal year	429,302	639,140
Three years before current fiscal year	529,876	458,728
Four years before current fiscal year	394,244	192,384
Prior	440,662	342,663
Revolving loans amortized cost basis	45,841	33,509
Total	3,297,208	3,090,961
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	1,061
Fiscal year before current fiscal year	16
Two years before current fiscal year	598
Three years before current fiscal year	99
Four years before current fiscal year	249
Prior	2,707
Revolving loans amortized cost basis	406,115
Total	410,845	349,011
Gross write-offs for the year ended December 31, 2025
Current fiscal year	25
Fiscal year before current fiscal year	0
Two years before current fiscal year	0
Three years before current fiscal year	0
Four years before current fiscal year	0
Prior	0
Revolving loans amortized cost basis	39
Total	64	11
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	408,114	346,367
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	1,361	1,458
Residential real estate \| Home equity lines of credit \| Nonaccrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	0
Fiscal year before current fiscal year	0
Two years before current fiscal year	0
Three years before current fiscal year	0
Four years before current fiscal year	0
Prior	0
Revolving loans amortized cost basis	1,203
Total	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	1,061
Fiscal year before current fiscal year	16
Two years before current fiscal year	598
Three years before current fiscal year	99
Four years before current fiscal year	249
Prior	2,707
Revolving loans amortized cost basis	404,912
Total	409,642
Consumer \| Home equity lines of credit
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year		1,176
Fiscal year before current fiscal year		692
Two years before current fiscal year		207
Three years before current fiscal year		124
Four years before current fiscal year		0
Prior		2,929
Revolving loans amortized cost basis		343,883
Total		349,011
Gross write-offs for the year ended December 31, 2025
Current fiscal year		0
Fiscal year before current fiscal year		0
Two years before current fiscal year		0
Three years before current fiscal year		0
Four years before current fiscal year		0
Prior		2
Revolving loans amortized cost basis		9
Total		11
Consumer \| Home equity lines of credit \| Nonaccrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year		0
Fiscal year before current fiscal year		0
Two years before current fiscal year		0
Three years before current fiscal year		124
Four years before current fiscal year		0
Prior		0
Revolving loans amortized cost basis		913
Total		1,037
Consumer \| Home equity lines of credit \| Accrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year		1,176
Fiscal year before current fiscal year		692
Two years before current fiscal year		207
Three years before current fiscal year		0
Four years before current fiscal year		0
Prior		2,929
Revolving loans amortized cost basis		342,970
Total		347,974
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	98,310	93,825
Total	98,310	93,825
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	3,452	3,894
Total	3,452	3,894
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	96,988	91,539
Total	96,988	91,539
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	1,042	1,957
Total	1,042	1,957
Consumer \| Consumer credit card \| 90 days past due and still accruing
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	280	329
Total	280	329
Consumer \| Other consumer loans
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	109,390	329,739
Fiscal year before current fiscal year	105,131	180,111
Two years before current fiscal year	112,157	175,880
Three years before current fiscal year	99,126	95,380
Four years before current fiscal year	48,309	50,091
Prior	38,054	21,801
Revolving loans amortized cost basis	39,228	50,451
Total	551,395	903,452
Gross write-offs for the year ended December 31, 2025
Current fiscal year	3,172	211
Fiscal year before current fiscal year	1,201	2,935
Two years before current fiscal year	2,004	3,850
Three years before current fiscal year	2,112	2,378
Four years before current fiscal year	1,285	1,079
Prior	1,212	476
Revolving loans amortized cost basis	0	0
Total	10,986	10,929
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	108,542	328,142
Fiscal year before current fiscal year	103,299	175,298
Two years before current fiscal year	109,084	169,605
Three years before current fiscal year	95,649	91,594
Four years before current fiscal year	46,525	48,299
Prior	36,933	20,552
Revolving loans amortized cost basis	39,228	50,451
Total	539,260	883,941
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	647	1,305
Fiscal year before current fiscal year	1,573	3,608
Two years before current fiscal year	2,400	4,220
Three years before current fiscal year	2,872	2,639
Four years before current fiscal year	1,424	1,141
Prior	863	674
Revolving loans amortized cost basis	0	0
Total	9,779	13,587
Consumer \| Other consumer loans \| 90 days past due and still accruing
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 \| Nonaccrual
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Current fiscal year	201	291
Fiscal year before current fiscal year	259	1,206
Two years before current fiscal year	673	2,055
Three years before current fiscal year	605	1,147
Four years before current fiscal year	360	651
Prior	258	575
Revolving loans amortized cost basis	0	0
Total	$ 2,356	$ 5,925

Commitments, Contingencies, and Guarantees

12 Months Ended

Dec. 31, 2025

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 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 conditional 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 markets are located within the states of Missouri, Kansas, Illinois, Iowa, Oklahoma, Colorado, North Carolina, Tennessee, Florida, and Arkansas 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 as of December 31,
	2025		2024
	(dollars in thousands)
Off-balance sheet commitments
Loan commitments	$	2,952,732	$	2,910,550
Standby letters of credit	80,060		87,979
Commercial letters of credit	2,703		1,089
Credit derivatives	19,224		14,720

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.

Employee Benefit Plans - Narrative (Details) $ in Thousands				1 Months Ended	3 Months Ended	12 Months Ended
Employee Benefit Plans - Narrative (Details) $ in Thousands	Dec. 05, 2024 USD ($) employee	Aug. 28, 2024 USD ($) employee	Jan. 01, 2019	Dec. 31, 2025 USD ($) participant	Dec. 31, 2025 USD ($)	Dec. 31, 2025 USD ($) contract	Dec. 31, 2024 USD ($)	Dec. 31, 2019	Dec. 31, 2023 USD ($)
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Deferred compensation liability, current and noncurrent				$ 33,900	$ 33,900	$ 33,900	$ 35,700
Compensation expense						4,300	3,400
Annuity Purchase Placements
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Plan settlements						$ 21,600
Employee pension plan participants age						59 years 6 months
Number of terminated vested and eligible active participants \| participant				248
VEBA Pension Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined contribution plan, cost						$ 17,800	16,400
401(k) Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined contribution plan, cost						$ 3,900
Employer matching contribution, percent of employees' gross pay						75.00%
Maximum annual contributions per employee, percent						6.00%
Pension Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Number of annuity contracts purchase \| contract						2
Defined benefit plan, number of employees \| employee		1,104
Plan settlements	$ 16,900	$ 81,800				$ 0	120,303
Defined contribution plan, number of employees \| employee	43
Projected benefit obligation				$ 112,667	112,667	$ 112,667	$ 114,900		$ 248,480
Expected long-term rate of return on plan assets						4.50%	4.50%
Defined contribution plan, cost						$ 8,700	$ 8,200
Number of additional benefits								2
Employer contribution, percentage, maximum			4.00%
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Gain (Loss) Due to Settlement						0	$ 2,736
Pension Plan \| Lump Sum Distribution
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Plan settlements						$ 120,300
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Gain (Loss) Due to Settlement					$ 2,700

Income Taxes (Tables)

12 Months Ended

Dec. 31, 2025

Income Tax Disclosure [Abstract]

Schedule of Components of Income Tax Expense

The components of income tax expense related to continuing operations for the years ended December 31, 2025 and 2024 are as follows:


	December 31,
	2025		2024
	(dollars in thousands)
Current income tax expense:
Federal	$	103,748	$	88,526
State	15,398		6,044
Total current income tax expense	119,146		94,570
Deferred income tax expense:
Federal	(2,923)		(5,656)
State	(518)		(1,004)
Total deferred income tax expense	(3,441)		(6,660)
Total income tax expense:
Federal	100,825		82,870
State	14,880		5,040
Total income tax expense on operations	$	115,705	$	87,910

The components of income tax expense record directly to shareholders' equity for the years ended 2025 and 2024 were as follows:


	December 31,
	2025		2024
	(dollars in thousands)
Unrealized gain on AFS debt securities	$	34,270	$	34,309
Accumulated pension loss	4,248		5,653
Income tax expense allocated to shareholders' equity	$	38,518	$	39,962

Schedule of Effective Income Tax Rate Reconciliation

The reasons for the difference between the effective tax rates of 22.8% and 22.3% for 2025 and 2024, respectively, and the current federal statutory income tax rate of 21%, are as follows:


	December 31,
	2025				2024
	Amount		Percent		Amount		Percent
	(dollars in thousands)
Income tax expense at federal statutory rate	$	106,375	21.0	%	$	82,681	21.0	%
Increase (reduction) in income taxes resulting from:
Tax-exempt interest	(2,517)		(0.5)	%	(2,165)		(0.6)	%
Other tax-exempt income	(143)		-	%	(134)		-	%
Dividend exclusion	(35)		-	%	(41)		-	%
State income taxes, net of federal income tax and excluding state credits1	12,553		2.5	%	10,103		2.6	%
Nondeductible expenses	1,433		0.3	%	819		0.2	%
Partnership Amortization	3,993		0.8	%	6,189		1.6	%
Tax credits2	(5,689)		(1.1)	%	(9,528)		(2.4)	%
Changes in unrecognized tax benefits	-		-	%	100		-	%
Other, net	(265)		(0.1)	%	(114)		-	%
Total income tax expense	$	115,705	22.8	%	$	87,910	22.3	%
¹ Missouri accounted for the majority of our state income tax expense.
² Tax credits were comprised primarily of Low Income Housing Tax Credits, totaling $4.6 million in 2025 and $8.8 million in 2024

Schedule of Deferred Tax Assets and Liabilities

The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2025 and 2024 are presented below:


	December 31,
	2025		2024
	(dollars in thousands)
Deferred tax assets:
Loans, principally due to allowance for loan losses	$	35,766	$	36,901
Accrued expenses	25,958		26,983
Buildings and equipment	711		928

Unrealized loss on available-for-sale securities	11,303		45,573
Core deposit intangible	1,201		749
Unearned revenue	297		526
Total gross deferred tax assets	75,236		111,660
Deferred tax liabilities:
Prepaid pension expense	10,802		10,602
Mortgage servicing rights	7,007		7,253
Goodwill	37,014		35,924
Lease financing	22,063		29,502
Unrealized gain on equity securities	909		698
Capitalized loan costs	1,766		1,214
Defined benefit plan	6,021		1,773
Other	1,399		1,362
Total gross deferred tax liabilities	86,981		88,328
Net deferred taxes	$	(11,745)	$	23,332

Schedule of income Taxes Paid by Jurisdiction, Net of Refunds

The following table presents income taxes paid by jurisdiction in amounts exceeding 5% of total income taxes paid, net of refunds for 2025 and 2024. As required by ASU 2023‑09, these amounts are presented on a net‑of‑refund basis, whereas cash paid for income taxes for the 2024 period reported in the Consolidated Statements of Cash Flows was presented on a gross basis.


	December 31,
	2025		2024
	(dollars in thousands)
Federal	$	124,250	$	77,200
Missouri	15,629		8,395
Other, net	4,501		2,953
Total income taxes paid	$	144,380	$	88,548

Loans and Allowance for Credit Losses - Schedule of Financing Receivable, Allowance for Credit Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Allowance for credit losses on loans
Balance at beginning of year	$ 154,279	$ 154,809
Provision for credit losses on loans	9,456	14,676
Loans charged off	(21,196)	(24,865)
Recoveries on loans previously charged off	7,135	9,659
Balance at end of year	149,674	154,279
Liability for unfunded commitments
Balance at beginning of year	484	568
Provision for credit losses on unfunded lending commitments	(135)	(84)
Balance at end of year	349	484
Allowance for credit losses on loans and liability for unfunded lending commitments	150,023	154,763
Construction and development
Allowance for credit losses on loans
Balance at beginning of year	14,119	17,571
Provision for credit losses on loans	855	(2,593)
Loans charged off	(14)	(950)
Recoveries on loans previously charged off	23	91
Balance at end of year	14,983	14,119
Liability for unfunded commitments
Balance at beginning of year	165	139
Provision for credit losses on unfunded lending commitments	(61)	26
Balance at end of year	104	165
Allowance for credit losses on loans and liability for unfunded lending commitments	15,087	14,284
Commercial, financial & agricultural
Allowance for credit losses on loans
Balance at beginning of year	23,915	21,180
Provision for credit losses on loans	3,396	6,043
Loans charged off	(4,749)	(6,900)
Recoveries on loans previously charged off	912	3,592
Balance at end of year	23,474	23,915
Liability for unfunded commitments
Balance at beginning of year	161	206
Provision for credit losses on unfunded lending commitments	(45)	(45)
Balance at end of year	116	161
Allowance for credit losses on loans and liability for unfunded lending commitments	23,590	24,076
Commercial real estate \| Non-owner-occupied commercial real estate
Allowance for credit losses on loans
Balance at beginning of year	24,815	23,464
Provision for credit losses on loans	235	3,156
Loans charged off	(816)	(1,821)
Recoveries on loans previously charged off	403	16
Balance at end of year	24,637	24,815
Liability for unfunded commitments
Balance at beginning of year	6	14
Provision for credit losses on unfunded lending commitments	2	(8)
Balance at end of year	8	6
Allowance for credit losses on loans and liability for unfunded lending commitments	24,645	24,821
Commercial real estate \| Owner-occupied commercial real estate
Allowance for credit losses on loans
Balance at beginning of year	9,940	9,626
Provision for credit losses on loans	701	(201)
Loans charged off	(384)	(5)
Recoveries on loans previously charged off	3	520
Balance at end of year	10,260	9,940
Liability for unfunded commitments
Balance at beginning of year	10	8
Provision for credit losses on unfunded lending commitments	(3)	2
Balance at end of year	7	10
Allowance for credit losses on loans and liability for unfunded lending commitments	10,267	9,950
Residential real estate \| Residential real estate
Allowance for credit losses on loans
Balance at beginning of year	43,471	39,214
Provision for credit losses on loans	5,439	4,274
Loans charged off	(731)	(355)
Recoveries on loans previously charged off	162	338
Balance at end of year	48,341	43,471
Liability for unfunded commitments
Balance at beginning of year	7	13
Provision for credit losses on unfunded lending commitments	2	(6)
Balance at end of year	9	7
Allowance for credit losses on loans and liability for unfunded lending commitments	48,350	43,478
Residential real estate \| Home equity lines of credit
Allowance for credit losses on loans
Balance at beginning of year	4,505	4,885
Provision for credit losses on loans	1,097	(388)
Loans charged off	(64)	(11)
Recoveries on loans previously charged off	4	19
Balance at end of year	5,542	4,505
Liability for unfunded commitments
Balance at beginning of year	135	188
Provision for credit losses on unfunded lending commitments	(30)	(53)
Balance at end of year	105	135
Allowance for credit losses on loans and liability for unfunded lending commitments	5,647	4,640
Consumer \| Home equity lines of credit
Allowance for credit losses on loans
Loans charged off		(11)
Consumer \| Consumer credit card
Allowance for credit losses on loans
Balance at beginning of year	8,299	8,071
Provision for credit losses on loans	2,964	3,437
Loans charged off	(3,452)	(3,894)
Recoveries on loans previously charged off	995	685
Balance at end of year	8,806	8,299
Liability for unfunded commitments
Balance at beginning of year	0	0
Provision for credit losses on unfunded lending commitments	0	0
Balance at end of year	0	0
Allowance for credit losses on loans and liability for unfunded lending commitments	8,806	8,299
Consumer \| Other consumer loans
Allowance for credit losses on loans
Balance at beginning of year	25,215	30,798
Provision for credit losses on loans	(5,231)	948
Loans charged off	(10,986)	(10,929)
Recoveries on loans previously charged off	4,633	4,398
Balance at end of year	13,631	25,215
Liability for unfunded commitments
Balance at beginning of year	0	0
Provision for credit losses on unfunded lending commitments	0	0
Balance at end of year	0	0
Allowance for credit losses on loans and liability for unfunded lending commitments	$ 13,631	$ 25,215

Business Segment Reporting - Schedule of Noninterest Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Segment Reporting Information [Line Items]
Mortgage banking revenue	$ 39,571	$ 42,080
Investment securities losses, net	(6,811)	(36,661)
Other (loss) income	(6,917)	9,667
Total other income	231,694	210,390
Corporate And Eliminations
Segment Reporting Information [Line Items]
Mortgage banking revenue	0	0
Investment securities losses, net	(6,811)	(36,661)
Other (loss) income	4,445	7,588
Total other income	197	(27,010)
Service charges and commissions
Segment Reporting Information [Line Items]
Revenue	57,631	56,137
Service charges and commissions \| Corporate And Eliminations
Segment Reporting Information [Line Items]
Revenue	435	440
Service Revenue
Segment Reporting Information [Line Items]
Revenue	67,570	67,531
Service Revenue \| Corporate And Eliminations
Segment Reporting Information [Line Items]
Revenue	97	105
Brokerage services
Segment Reporting Information [Line Items]
Revenue	28,696	25,739
Brokerage services \| Corporate And Eliminations
Segment Reporting Information [Line Items]
Revenue	2,452	2,124
Fees for fiduciary services
Segment Reporting Information [Line Items]
Revenue	51,954	45,897
Fees for fiduciary services \| Corporate And Eliminations
Segment Reporting Information [Line Items]
Revenue	(421)	(606)
Consumer
Segment Reporting Information [Line Items]
Loss on sale of portfolio	13,600
Consumer \| Operating Segments
Segment Reporting Information [Line Items]
Mortgage banking revenue	39,571	42,080
Investment securities losses, net	0	0
Other (loss) income	(11,853)	1,210
Total other income	111,268	124,854
Consumer \| Service charges and commissions \| Operating Segments
Segment Reporting Information [Line Items]
Revenue	39,005	38,248
Consumer \| Service Revenue \| Operating Segments
Segment Reporting Information [Line Items]
Revenue	44,629	43,358
Consumer \| Brokerage services \| Operating Segments
Segment Reporting Information [Line Items]
Revenue	(84)	(42)
Consumer \| Fees for fiduciary services \| Operating Segments
Segment Reporting Information [Line Items]
Revenue	0	0
Commercial \| Operating Segments
Segment Reporting Information [Line Items]
Mortgage banking revenue	0	0
Investment securities losses, net	0	0
Other (loss) income	488	566
Total other income	42,869	43,334
Commercial \| Service charges and commissions \| Operating Segments
Segment Reporting Information [Line Items]
Revenue	18,191	17,449
Commercial \| Service Revenue \| Operating Segments
Segment Reporting Information [Line Items]
Revenue	22,844	24,068
Commercial \| Brokerage services \| Operating Segments
Segment Reporting Information [Line Items]
Revenue	1,346	1,251
Commercial \| Fees for fiduciary services \| Operating Segments
Segment Reporting Information [Line Items]
Revenue	0	0
Wealth Management \| Operating Segments
Segment Reporting Information [Line Items]
Mortgage banking revenue	0	0
Investment securities losses, net	0	0
Other (loss) income	3	303
Total other income	77,360	69,212
Wealth Management \| Service charges and commissions \| Operating Segments
Segment Reporting Information [Line Items]
Revenue	0	0
Wealth Management \| Service Revenue \| Operating Segments
Segment Reporting Information [Line Items]
Revenue	0	0
Wealth Management \| Brokerage services \| Operating Segments
Segment Reporting Information [Line Items]
Revenue	24,982	22,406
Wealth Management \| Fees for fiduciary services \| Operating Segments
Segment Reporting Information [Line Items]
Revenue	$ 52,375	$ 46,503

Parent Company Condensed Financial Statements (Tables)

12 Months Ended

Dec. 31, 2025

Condensed Financial Information Disclosure [Abstract]

Schedule of Condensed Balance Sheet

Following are the condensed financial statements of Central Bancompany, Inc. (Parent only) for December 31, 2025 and December 31, 2024.

CENTRAL BANCOMPANY, INC.

Condensed Balance Sheets

December 31, 2025 and 2024


	December 31,
	2025		2024
	(dollars in thousands)
Assets

Investment in bank subsidiary	$	1,874,332	$	1,727,762
Cash and due from bank subsidiary	896,588		312,447
Investment Securities AFS	721		982
Loans	-		18,720
Note receivable due from bank subsidiary	1,010,000		980,000
Advances to subsidiaries, net of borrowings	1,010		75,120
Other assets	42,741		36,885
Total assets	$	3,825,392	$	3,151,916

Liabilities and Stockholders' Equity
Other liabilities	$	41,415	$	41,255
Stockholders' equity	3,783,977		3,110,661
Total liabilities and stockholders' equity	$	3,825,392	$	3,151,916

Schedule of Condensed Income Statement

CENTRAL BANCOMPANY, INC.

Condensed Statements of Income

Years ended December 31, 2025 and 2024


	December 31,
	2025		2024
	(dollars in thousands)
Income
Dividends received from bank subsidiary	$	320,000	$	245,000
Interest income	56,895		62,677
Management fees charged to subsidiaries	-		850
Other income	432		464
Total income	377,327		308,991
Expense
Salaries and employee benefits	9,651		9,181
Management & data processing fees paid to subsidiaries	893		897
Other expenses	2,476		1,621
Total expense	13,020		11,699
Income taxes	10,545		12,450
Income before undistributed earnings of subsidiaries	353,762		284,842
Undistributed earnings (loss) of subsidiaries	37,091		20,968
Net income	$	390,853	$	305,810

Schedule of Condensed Cash Flow Statement


	December 31,
	2025		2024
	(dollars in thousands)

Cash flows from operating activities:
Net income	$	390,853	$	305,810
Adjustments to reconcile net income to net cash provided by operating activities:
Earnings of consolidated subsidiaries, net of dividends	(37,091)		(20,968)
(Increase) in other assets	(1,900)		(17,513)
Net cash provided by operating activities	351,862		267,329
Cash flows from investing activities:
Proceeds from maturities of available-for-sale securities	265		4,662


Decrease (increase) in advances to subsidiaries, net	74,110		(74,587)
Other, net	1,541		(6,226)
Net cash provided by (used in) investing activities	75,916		(76,151)
Cash flows from financing activities:
Purchase of treasury stock	-		(12,143)
Issuance of stock under equity compensation plans	(218)		(285)
Proceeds from issuance of common stock	403,112		-
Dividends paid	(246,531)		(57,532)
Other, net	-		942
Net cash provided by (used in) financing activities	156,363		(69,018)
Net increase in cash and cash equivalents	584,141		122,160
Cash and cash equivalents at beginning of year	312,447		190,288
Cash and cash equivalents at end of year	$	896,588	$	312,447

Income Taxes

12 Months Ended

Dec. 31, 2025

Income Tax Disclosure [Abstract]

Income Taxes

The Company's income from continuing operations is derived entirely from domestic sources. The components of income tax expense related to continuing operations for the years ended December 31, 2025 and 2024 are as follows:


	December 31,
	2025		2024
	(dollars in thousands)
Current income tax expense:
Federal	$	103,748	$	88,526
State	15,398		6,044
Total current income tax expense	119,146		94,570
Deferred income tax expense:
Federal	(2,923)		(5,656)
State	(518)		(1,004)
Total deferred income tax expense	(3,441)		(6,660)
Total income tax expense:
Federal	100,825		82,870
State	14,880		5,040
Total income tax expense on operations	$	115,705	$	87,910

The components of income tax expense record directly to shareholders' equity for the years ended 2025 and 2024 were as follows:


	December 31,
	2025		2024
	(dollars in thousands)
Unrealized gain on AFS debt securities	$	34,270	$	34,309
Accumulated pension loss	4,248		5,653
Income tax expense allocated to shareholders' equity	$	38,518	$	39,962

The reasons for the difference between the effective tax rates of 22.8% and 22.3% for 2025 and 2024, respectively, and the current federal statutory income tax rate of 21%, are as follows:


	December 31,
	2025				2024
	Amount		Percent		Amount		Percent
	(dollars in thousands)
Income tax expense at federal statutory rate	$	106,375	21.0	%	$	82,681	21.0	%
Increase (reduction) in income taxes resulting from:
Tax-exempt interest	(2,517)		(0.5)	%	(2,165)		(0.6)	%
Other tax-exempt income	(143)		-	%	(134)		-	%
Dividend exclusion	(35)		-	%	(41)		-	%
State income taxes, net of federal income tax and excluding state credits1	12,553		2.5	%	10,103		2.6	%
Nondeductible expenses	1,433		0.3	%	819		0.2	%
Partnership Amortization	3,993		0.8	%	6,189		1.6	%
Tax credits2	(5,689)		(1.1)	%	(9,528)		(2.4)	%
Changes in unrecognized tax benefits	-		-	%	100		-	%
Other, net	(265)		(0.1)	%	(114)		-	%
Total income tax expense	$	115,705	22.8	%	$	87,910	22.3	%
¹ Missouri accounted for the majority of our state income tax expense.
² Tax credits were comprised primarily of Low Income Housing Tax Credits, totaling $4.6 million in 2025 and $8.8 million in 2024

The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2025 and 2024 are presented below:


	December 31,
	2025		2024
	(dollars in thousands)
Deferred tax assets:
Loans, principally due to allowance for loan losses	$	35,766	$	36,901
Accrued expenses	25,958		26,983
Buildings and equipment	711		928

Unrealized loss on available-for-sale securities	11,303		45,573
Core deposit intangible	1,201		749
Unearned revenue	297		526
Total gross deferred tax assets	75,236		111,660
Deferred tax liabilities:
Prepaid pension expense	10,802		10,602
Mortgage servicing rights	7,007		7,253
Goodwill	37,014		35,924
Lease financing	22,063		29,502
Unrealized gain on equity securities	909		698
Capitalized loan costs	1,766		1,214
Defined benefit plan	6,021		1,773
Other	1,399		1,362
Total gross deferred tax liabilities	86,981		88,328
Net deferred taxes	$	(11,745)	$	23,332

The Company has not recorded a valuation allowance related to the net deferred tax assets at December 31, 2025 or 2024 due to historical and expected future earnings of the Company.

The Company classifies interest and penalties on uncertain tax benefits as income tax expense. In the normal course of business, the Company provides for uncertain tax positions and the related interest and penalties and adjusts its unrecognized tax benefits and related interest and penalties accordingly. Unrecognized tax benefits remained the same during 2025, totaling $1.5 million at December 31, 2025.

Federal net operating loss (NOL) carryovers were acquired in certain acquisitions. The remaining amount of NOL carryover is $0.5 million and $0.6 million as of December 31, 2025 and 2024, respectively. The NOL expires in 2033. The annual use of the NOL is limited and the Company expects to use the remaining carryover before expiration.

The Company’s U.S. federal tax returns for years prior to 2022 are no longer subject to examination by federal tax authorities, and with few exceptions, state tax returns prior to 2022 are no longer subject to examination by state tax authorities.


	December 31,
	2025		2024
	(dollars in thousands)
Federal	$	124,250	$	77,200
Missouri	15,629		8,395
Other, net	4,501		2,953
Total income taxes paid	$	144,380	$	88,548

- Definition

The entire disclosure for income tax.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
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-Name Accounting Standards Codification
-Section 50
-Paragraph 1
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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Reference 14: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
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+ Details

Earnings Per Share (Tables)

12 Months Ended

Dec. 31, 2025

Earnings Per Share [Abstract]

Schedule of Earnings Per Share, Basic and Diluted

Presented below is a summary of the components used to calculate basic and diluted income per common share:


	For the years ended December 31,
	2025		2024
	(dollars in thousands, except per share data)
Basic income per share:
Net income attributable to Central Bancompany, Inc.	$	390,853	$	305,810
Less: Dividends declared on forfeitable nonvested restricted stock	667		120
Net income allocated to common stock	$	390,186	$	305,690
Weighted average common shares outstanding	222,352		220,589
Basic income per common share	$	1.75	$	1.39
Diluted income per common share:
Net income attributable to Central Bancompany, Inc.	$	390,853	$	305,810
Less: Dividends declared on forfeitable nonvested restricted stock	667		120
Net income allocated to common stock	$	390,186	$	305,690
Weighted average diluted common shares outstanding	222,352		220,589
Diluted income per common share:	$	1.75	$	1.39

Schedule of Outstanding Shares

The table below shows activity in the outstanding shares of the Company’s common stock during the years ended December 31, 2025 and 2024.


	December 31,
	2025	2024
	(shares in thousands)
Shares outstanding at beginning of year	220,385	220,956
Issuance of stock-based compensation	276	318
Purchases of treasury stock	-	(889)
Initial public offering	20,445	-
Shares outstanding at end of year	241,106	220,385

Investment Securities - Schedule of Amortized Cost Basis by Credit Rating of Held to Maturity Investment (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Debt Securities, Available-for-sale [Line Items]
Amortized cost	$ 1,689	$ 3,225
State and political subdivisions
Debt Securities, Available-for-sale [Line Items]
Amortized cost	1,678	3,221
State and political subdivisions \| Non-Rated
Debt Securities, Available-for-sale [Line Items]
Amortized cost	251	35
State and political subdivisions \| A
Debt Securities, Available-for-sale [Line Items]
Amortized cost	0	40
State and political subdivisions \| AA
Debt Securities, Available-for-sale [Line Items]
Amortized cost	1,132	2,996
State and political subdivisions \| AAA
Debt Securities, Available-for-sale [Line Items]
Amortized cost	$ 295	$ 150

- 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.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
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-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

+ Details

Investment Securities - Schedule of Equity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Equity Securities without Readily Determinable Fair Value, Amount	$ 0	$ 724
Federal Home Loan Bank stock	10,634	10,708
Federal Reserve Bank stock	26,057	26,057
Other - no readily determinable fair value	11,510	11,281
Total equity securities	$ 48,200	$ 48,770

- Definition

Amount of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(2)(i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-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 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482736/825-10-45-1A

Reference 5: 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 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (a)
-Publisher FASB
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
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-URI https://asc.fasb.org/1943274/2147482907/825-10-50-10

Reference 8: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
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-Publisher FASB
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Reference 9: 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 10: http://www.xbrl.org/2003/role/exampleRef
-Topic 944
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-Name Accounting Standards Codification
-Section 55
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480078/944-80-55-14

Reference 11: http://www.xbrl.org/2003/role/exampleRef
-Topic 944
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480078/944-80-55-9

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03(a)(1)(b))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(2))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03(a)(1)(6))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1

+ Details

Business Segment Reporting - Schedule of Noninterest Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Segment Reporting Information [Line Items]
Salaries and employee benefits	$ 298,080	$ 281,087
Net occupancy and equipment	48,990	47,131
Computer software and maintenance	22,556	20,318
Marketing and business development	20,670	19,990
Legal and professional fees	22,403	26,290
Bankcard processing, rewards and related cost	30,747	32,002
Other expenses	62,044	62,589
Noninterest expense	505,490	489,407
Consumer
Segment Reporting Information [Line Items]
Noninterest expense	243,012	242,560
Commercial
Segment Reporting Information [Line Items]
Noninterest expense	159,151	148,737
Wealth Management
Segment Reporting Information [Line Items]
Noninterest expense	52,168	46,863
Operating Segments \| Consumer
Segment Reporting Information [Line Items]
Salaries and employee benefits	110,983	104,815
Net occupancy and equipment	32,917	31,568
Computer software and maintenance	6,182	6,412
Marketing and business development	7,916	8,050
Legal and professional fees	1,545	840
Bankcard processing, rewards and related cost	22,072	27,360
Other expenses	27,455	29,291
Noninterest expense	243,012	242,560
Operating Segments \| Commercial
Segment Reporting Information [Line Items]
Salaries and employee benefits	56,642	50,991
Net occupancy and equipment	7,207	6,439
Computer software and maintenance	3,438	2,975
Marketing and business development	2,163	2,108
Legal and professional fees	2,243	1,646
Bankcard processing, rewards and related cost	9,661	11,684
Other expenses	3,800	3,783
Noninterest expense	159,151	148,737
Operating Segments \| Wealth Management
Segment Reporting Information [Line Items]
Salaries and employee benefits	36,907	32,285
Net occupancy and equipment	2,991	2,805
Computer software and maintenance	1,746	1,695
Marketing and business development	1,385	1,564
Legal and professional fees	871	1,076
Bankcard processing, rewards and related cost	0	0
Other expenses	3,584	3,164
Noninterest expense	52,168	46,863
Corporate And Eliminations
Segment Reporting Information [Line Items]
Noninterest expense	51,159	51,247
Intersegment Eliminations
Segment Reporting Information [Line Items]
Noninterest expense	(112,623)	(107,608)
Intersegment Eliminations \| Consumer
Segment Reporting Information [Line Items]
Noninterest expense	33,942	34,224
Intersegment Eliminations \| Commercial
Segment Reporting Information [Line Items]
Noninterest expense	73,997	69,111
Intersegment Eliminations \| Wealth Management
Segment Reporting Information [Line Items]
Noninterest expense	4,684	4,274
Corp / Other
Segment Reporting Information [Line Items]
Salaries and employee benefits	93,548	92,996
Net occupancy and equipment	5,875	6,319
Computer software and maintenance	11,190	9,236
Marketing and business development	9,206	8,268
Legal and professional fees	17,744	22,728
Bankcard processing, rewards and related cost	(986)	(7,042)
Other expenses	$ 27,205	$ 26,351

Employee Benefit Plans - Schedule of Weighted Average Asset Allocations (Details) - Pension Plan	Dec. 31, 2025	Dec. 31, 2024
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Plan assets	100.00%	100.00%
Equity securities
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Plan assets	0.00%	50.00%
Fixed income
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Plan assets	60.00%	49.00%
Cash and equivalents
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Plan assets	40.00%	1.00%

Investment Securities - Schedule of Unrealized Loss on Available-for-Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Fair value
Less than 12 months	$ 419,704	$ 1,471,434
12 months or more	1,479,874	2,793,730
Total	1,899,578	4,265,164
Unrealized losses
Less than 12 months	(1,190)	(14,309)
12 months or more	(103,392)	(184,284)
Total	(104,582)	(198,593)
U.S. government obligations and government- sponsored enterprises
Fair value
Less than 12 months	419,704	1,468,478
12 months or more	1,469,113	2,757,421
Total	1,888,817	4,225,899
Unrealized losses
Less than 12 months	(1,190)	(14,293)
12 months or more	(103,318)	(183,418)
Total	(104,508)	(197,711)
Obligations of states and political subdivisions
Fair value
Less than 12 months	0	2,239
12 months or more	7,204	9,618
Total	7,204	11,856
Unrealized losses
Less than 12 months	0	(16)
12 months or more	(38)	(195)
Total	(38)	(211)
Other securities
Fair value
Less than 12 months	0	717
12 months or more	3,557	26,691
Total	3,557	27,409
Unrealized losses
Less than 12 months	0	0
12 months or more	(36)	(671)
Total	$ (36)	$ (671)

Summary of Significant Accounting Policies - Land, Buildings, and Equipment (Details)	Dec. 31, 2025
Building Improvements
Property, Plant and Equipment [Line Items]
Useful life (in years)	15 years
Land Improvements
Property, Plant and Equipment [Line Items]
Useful life (in years)	15 years
Minimum \| Buildings and improvements
Property, Plant and Equipment [Line Items]
Useful life (in years)	25 years
Minimum \| Software and Software Development Costs
Property, Plant and Equipment [Line Items]
Useful life (in years)	3 years
Minimum \| Equipment
Property, Plant and Equipment [Line Items]
Useful life (in years)	3 years
Minimum \| Furniture and Fixtures
Property, Plant and Equipment [Line Items]
Useful life (in years)	3 years
Maximum \| Buildings and improvements
Property, Plant and Equipment [Line Items]
Useful life (in years)	30 years
Maximum \| Software and Software Development Costs
Property, Plant and Equipment [Line Items]
Useful life (in years)	7 years
Maximum \| Equipment
Property, Plant and Equipment [Line Items]
Useful life (in years)	7 years
Maximum \| Furniture and Fixtures
Property, Plant and Equipment [Line Items]
Useful life (in years)	7 years

Goodwill and Intangible Assets

12 Months Ended

Dec. 31, 2025

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Intangible Assets

Effective for the year ended December 31, 2025, the Company updated its reportable segments. As a result of this change, the Company revised its goodwill disclosure to present goodwill allocated to the Consumer and Commercial reportable segments in accordance with ASC 350‑20‑50‑1. This revision reflects a change in presentation and disclosure only and does not affect the total carrying amount of goodwill or any prior goodwill impairment assessments. Refer to "Note 19, Business Segment Reporting," to our consolidated financial statements for additional details regarding the segment realignment.

Goodwill is now presented for the Company’s three reportable segments—Consumer, Commercial, and Wealth Management—to align with the segment structure used for reporting under ASC Topic 280. The following table summarizes the Company's goodwill and core deposit intangible assets:


	December 31,
	2025						2024
	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	$	(18,304)	$	2,194	$	26,052	$	(20,930)	$	5,122
Trust customer intangible asset	6,100		(4,866)		1,233		6,100		(4,569)		1,531
Total amortizable intangible assets	$	26,598	$	(23,170)	$	3,427	$	32,152	$	(25,499)	$	6,653
Goodwill:
Consumer	$	126,095	$	-	$	126,095	$	126,095	$	-	$	126,095
Commercial	210,331		-		210,331		210,331		-		210,331
Wealth Management	11,811		-		11,811		11,811		-		11,811
Total goodwill	$	348,237	$	-	$	348,237	$	348,237	$	-	$	348,237

Aggregate amortization expense on core deposit and other intangible assets for the years ended December 31, 2025 and 2024 was $3.2 million and $3.4 million, respectively. The following table shows the estimated future amortization expense for the next five years based on existing asset balances and the interest rate environment as of December 31, 2025 (in thousands). The Company’s actual amortization expense in any given period may be different from the estimated amounts depending on the addition of new intangible assets and other market conditions.


2026	$	2,483
2027	280
2028	271
2029	252
2030	141
Total	$	3,427

Customer Repurchase Agreements - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Statistical Disclosure for Banks [Abstract]
Securities sold under agreements to repurchase	$ 945.8	$ 906.8
Short-term borrowings, maturity period (in days)	1 day

- Definition

Amount, after the effects of master netting arrangements, of funds outstanding borrowed in the form of a security repurchase agreement between the entity and another party for the sale and repurchase of identical or substantially the same securities at a date certain for a specified price. Includes liabilities not subject to a master netting arrangement and not elected to be offset.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480738/235-10-S50-1

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 210
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 20
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483444/210-20-55-20

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 210
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483444/210-20-55-15

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
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-Name Accounting Standards Codification
-Section 55
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483444/210-20-55-10

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483466/210-20-50-3

Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef
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-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03(13)(1))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 320
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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-Paragraph 1
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477271/946-320-S99-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
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-Name Accounting Standards Codification
-Section S99
-Paragraph 6
-Subparagraph (SX 210.12-14(Column A)(Footnote 2))
-Publisher FASB
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 320
-Name Accounting Standards Codification
-Section S99
-Paragraph 3
-Subparagraph (SX 210.12-12B(Column A)(Footnote 4)(b))
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
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-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(m)(1)(ii)(A)(i))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

+ Details

Audit Information	12 Months Ended
Audit Information	Dec. 31, 2025
Audit Information [Abstract]
Auditor Name	KPMG LLP
Auditor Location	Kansas City, Missouri
Auditor Firm ID	185

Employee Benefit Plans - Schedule of Weighted Average Assumptions (Details) - Pension Plan	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Determination of benefit obligation, Discount rate	5.80%	5.70%
Determination of net periodic benefit cost, Discount rate	5.70%	5.50%
Expected long-term rate of return on plan assets	4.50%	4.50%

Accumulated Other Comprehensive Loss (Tables)

12 Months Ended

Dec. 31, 2025

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 loss.


	Unrealized gains/losses on AFS securities		Pension plan		Total
	(dollars in thousands)
Balance December 31, 2023	$	(255,195)	$	(12,397)	$	(267,592)
Other comprehensive income before reclassifications	92,666		23,714		116,380
Reclassification adjustment for net losses on AFS securities included in net income	51,249		—		51,249
Current period other comprehensive income, before tax	143,915		23,714		167,629
Income tax (expense)	(34,309)		(5,653)		(39,962)
Current period other comprehensive income, net of tax	109,606		18,061		127,667
Balance December 31, 2024	(145,589)		5,664		(139,925)
Other comprehensive income before reclassifications	136,831		17,820		154,651
Reclassification adjustment for net losses on AFS securities included in net income	6,920		—		6,920
Current period other comprehensive income, before tax	143,751		17,820		161,571
Income tax (expense)	(34,270)		(4,248)		(38,518)
Current period other comprehensive income, net of tax	109,481		13,572		123,053
Balance December 31, 2025	$	(36,108)	$	19,236	$	(16,872)

Employee Benefit Plans

12 Months Ended

Dec. 31, 2025

Postemployment Benefits [Abstract]

Employee Benefit Plans

The Company has a noncontributory defined benefit pension plan, the Central Bancompany, Inc. Retirement Plan (the Plan), available to qualified employees, as defined under the Plan. On November 14, 2018, the Company’s Board of Directors approved an amendment to freeze the Plan, effective December 31, 2018. After December 31, 2018, participants in the Plan stopped accruing additional benefits for future service or compensation. Participants retained benefits accumulated as of December 31, 2018, in accordance with the terms of the Plan.

As part of its ongoing strategy to manage pension obligations, the Company purchased two separate group annuity contracts during the year ended December 31, 2024, to settle a portion of its defined benefit pension liability. On August 28, 2024, the Company purchased a group annuity contract from Pacific Life Insurance Company to settle pension liabilities related to approximately 1,104 retirees and beneficiaries. The annuity covered benefits totaling $81.8 million, reducing the Company’s pension obligation by an equivalent amount. On December 5, 2024, the Company purchased an additional group annuity contract from Pacific Life Insurance Company to settle further pension obligations. This annuity covered the benefits of approximately 43 retirees and beneficiaries, with a corresponding reduction in the pension liability of $16.9 million. As of the date of the annuity purchases, the Company has no further obligation for the settled benefits, as the responsibility for payment of benefits now rests with the annuity provider.

In addition to the annuity purchase placements, the Company offered eligible terminated, vested pension plan participants as well as eligible active employee pension plan participants who have reached the age of 59.5 years old, an option to elect a one-time voluntary lump sum window distribution equal to the present value of the participant’s pension benefit, in settlement of all future pension benefits to which they would otherwise have been entitled. Payments were distributed to participants who accepted the lump sum offer in December 2024 from the assets of the Pension Plan. The Company paid out benefits, via lump sum distribution, of approximately 248 terminated vested and eligible active participants resulting in a reduction in the pension liability of $21.6 million.

The annuity purchases and lump sum distributions were made to reduce the Company's exposure to future pension funding volatility. The settlement related to the annuity purchases and lump sum distributions resulted in a total decrease in the Company’s pension liability by $120.3 million. The Company recognized a gain on settlement of $2.7 million in the fourth quarter of 2024. The gain was actuarially determined based on the acceleration of the recognition of the accumulated unrecognized actuarial gain associated with the Pension Plan. The settlement was recorded under the provisions of ASC 715-30, Compensation—Retirement Benefits—Defined Benefit Plans, and is included in the Company's pension income for the period.

The remaining pension liability after the settlement was $114.9 million, and the Company continues to manage the pension plan's remaining obligations in accordance with its funding policy.

The Company’s funding policy is to contribute funds to an account maintained by the pension plan trustee, as necessary, to provide for the normal cost and amortization of the unfunded actuarial accrued liability. To the extent that these costs are fully covered by assets in the trust, a contribution might not be made in a particular year.

Assets held in the Plan are primarily government and government agency obligations, common stock, corporate bonds, mutual funds, and money market accounts. Certain executives also participate in a supplemental pension plan (the SERP) that the Company funds only as retirement benefits are disbursed. The SERP carries no segregated assets.

Benefit obligations of the SERP are shown in the table immediately below. In all other tables presented, the pension plan and the SERP are presented on a combined basis, even though the SERP is unfunded.


	December 31,
	2025		2024
	(dollars in thousands)
Projected benefit obligation	$	14,159	$	15,216
Cumulative contributions in excess of net periodic benefit cost	17,289		17,862

The following items are components of net pension cost for the years ended December 31, 2025 and 2024:


	December 31,
	2025		2024
	(dollars in thousands)
Interest cost on projected benefit obligation	$	6,328	$	11,623
Expected return on plan assets	(6,366)		(10,431)
Amortization of net (gain)	(108)		(55)
Settlement gain recognized	-		(2,736)
Net periodic pension cost	$	(146)	$	(1,599)

The following table sets forth the pension plans’ funded status, using valuation dates of December 31, 2025 and 2024:


	December 31,
	2025		2024
	(dollars in thousands)
Change in projected benefit obligation:
Projected benefit obligation at prior valuation date	$	114,900	$	248,480
Interest cost	6,328		11,623
Plan settlements	-		(120,303)
Benefits paid	(6,607)		(14,273)
Actuarial (gain)	(1,954)		(10,627)

Projected benefit obligation at valuation date	112,667		114,900
Change in plan assets:
Fair value of plan assets at beginning of year	148,948		255,854
Actual return on plan assets	22,341		26,307
Employer contributions	1,265		1,363
Plan settlements	-		(120,303)
Benefits paid	(6,607)		(14,273)

Fair value of plan assets at end of year	165,947		148,948
Funded status and net amount recognized	$	53,280	$	34,048

Amounts recognized on the December 31, 2025 and 2024 consolidated balance sheets are as follows:


	December 31,
	2025		2024
	(dollars in thousands)
Prepaid pension asset	$	45,312	$	44,473
Accrued benefit/(liability)	7,968		(10,425)
Net amount recognized	$	53,280	$	34,048

Amounts not yet reflected in net periodic benefit cost and included in accumulated other comprehensive loss, on a pretax basis, at December 31, 2025 are as follows:


	December 31, 2025
	(dollars in thousands)
Accumulated other comprehensive income, pretax	$	25,255
Cumulative employer contributions in excess of net periodic benefit cost	28,025
Net amount recognized	$	53,280

The following weighted average assumptions have been used at December 31, 2025 and 2024:


	December 31,
	2025		2024
Determination of benefit obligation at year-end:
Discount rate	5.80	%	5.70	%
Determination of net periodic benefit cost for the year ended:
Discount rate	5.70	%	5.50	%
Expected long-term rate of return on plan assets	4.50	%	4.50	%

The expected return on pension plan assets is developed using inflation expectations and risk factors to arrive at a long-term nominal expected return for each asset class. The nominal expected return for each asset class is then weighted based on the target asset allocation to develop the expected long-term rate of return on plan assets.

The following table shows the Company’s employer contributions and benefits paid for the years ended December 31, 2025 and 2024:


	December 31,
	2025		2024
	(dollars in thousands)
Employer contributions	$	1,265	1,363
Benefits paid	6,607		14,273

The weighted average asset allocations as of December 31, 2025 and 2024, by asset category, are as follows:


	Plan assets as of December 31,
	2025		2024
Equity securities	-	%	50	%
Fixed income	60	%	49	%
Cash and equivalents	40	%	1	%
Total	100	%	100	%

The Plan’s Investment Policy focuses on efficient allocation of capital among various asset classes to create a diversified portfolio in order to achieve the Plan’s investment return objective of 4.5%. In making capital allocation decisions, the Trustee considers the expected return, standard deviation, and correlation of returns of various asset classes, as well as the current term structure of interest rates and current market conditions. In order to generate sufficient returns to meet actuarial estimates of the Plan’s future obligations, the majority of the Plan’s assets are typically invested in asset classes with higher expected rates of return, specifically equity securities. In order to limit risk, a lesser allocation is made to fixed income securities. Within strict policy ranges, the Trustee has discretion to increase or decrease the equity and fixed income allocations in response to changing market conditions. The Plan allocates a small percentage to real assets in the form of precious metals trusts.

The following benefit payments are expected to be paid (in thousands):


2026	$	6,531
2027	6,765
2028	6,988
2029	7,177
2030	7,376
2031 - 2035	39,387

Following is a description of the valuation methodologies used for assets measured at fair value in the Plan:

Cash equivalents – Money market funds are valued at the closing price reported on the active market on which the funds are traded.

U.S. government and agency obligations – Federal agencies are priced utilizing industry-standard models that consider various assumptions, including time value, yield curves, volatility factors, prepayment speeds, default rates, loss severity, current market, and contractual prices for the underlying financial instruments, as well as other relevant economic measures. Substantially all these assumptions are observable in the marketplace, can be derived from observable data, or are supported by observable levels at which transactions are executed in the marketplace.

Corporate bonds - Corporate securities are valued using a type of matrix, or grid, pricing in which securities are benchmarked against the treasury rate based on credit rating. These model and matrix measurements are classified as Level 2 in the fair value hierarchy.

Mutual funds and common stocks – The fair value of these investments is based on quoted market prices from national securities exchanges.

The following table sets forth by level, within the fair value hierarchy, the pension plan’s assets at fair value as of December 31, 2025:


	Fair value measurements at December 31, 2025 using
	Total fair value		Quoted prices in active markets for identical assets (Level 1)		Significant other unobservable inputs (Level 2)		Significant unobservable inputs (Level 3)
	(dollars in thousands)
Cash equivalents	$	66,574	$	66,574	$	-	$	-
U.S. government and agency obligations	10,199		-		10,199		-
Common stocks	-		-		-		-
Corporate bonds	35,092		-		35,092		-
Mutual funds - fixed income	53,487		53,487		-		-
Mutual funds - equities	596		596		-		-
Total	$	165,947	$	120,657	$	45,291	$	-

The following table sets forth by level, within the fair value hierarchy, the pension plan’s assets at fair value as of December 31, 2024:


	Fair value measurements at December 31, 2024 using
	Total fair value		Quoted prices in active markets for identical assets (Level 1)		Significant other unobservable inputs (Level 2)		Significant unobservable inputs (Level 3)
	(dollars in thousands)
Cash equivalents	$	1,940	$	1,940	$	-	$	-
U.S. government and agency obligations	16,250		-		16,250		-
Common stocks	40,542		40,542		-		-
Corporate bonds	18,385		-		18,385		-
Mutual funds - fixed income	36,958		36,958		-		-
Mutual funds - equities	34,873		34,873		-		-
Total	$	148,948	$	114,313	$	34,635	$	-

The Company has established a Voluntary Employees Beneficiary Association Trust (VEBA) to fund the employee benefit plan covering medical and dental benefits. For the years ended December 31, 2025 and 2024, the Company contributed $17.8 million and $16.4 million, respectively, to the VEBA.

The Company has established an employee savings plan under Section 401(k) of the Internal Revenue Code (the Code). Under this plan, employees are allowed to contribute a maximum of 75% of their base pay, subject to certain IRS limitations. The Company’s matching contribution is equal to one-half of the employee’s contribution up to a maximum of 6% of the employee’s base pay. For the years ended December 31, 2025, and 2024 the Company contributed $3.9 million for both periods, to the 401(k) plan.

In 2019, with the freezing of the defined benefit pension plan effective December 31, 2018, the Company added to the defined contribution plan two additional benefits. Effective January 1, 2019, a Non-Elective Contribution (NEC) of 4% was given to all employees, except employees drawing a pension. Effective December 1, 2024, the plan was amended to allow any participant electing to commence pension benefits as a result of the special election window from October 3, 2024 to November 15, 2024, to continue to be eligible for the NEC contribution. NEC eligibility has an immediate entry date for employees aged 18 or older. For the years ended December 31, 2025 and 2024 the Company contributed $8.7 million and $8.2 million, respectively, to the 401(k) plan related to this benefit.

The Company maintains deferred compensation plans. The liability for the plans, aggregating $33.9 million and $35.7 million at December 31, 2025 and 2024, respectively, is recorded in other liabilities in the accompanying consolidated balance sheets. Total expenses under these arrangements, included in salaries and employee benefits, were $4.3 million and $3.4 million for the years ended December 31, 2025 and 2024, respectively.

- Definition

The entire disclosure for retirement benefits.

+ References

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

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (p)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480506/715-20-50-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (q)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480506/715-20-50-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
-SubTopic 60
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480266/715-60-50-3

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
-SubTopic 20
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480126/715-20-S99-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
-SubTopic 70
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480794/715-70-50-1

Reference 7: http://www.xbrl.org/2003/role/exampleRef
-Topic 715
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 17
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480482/715-20-55-17

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)(iv)(03)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480506/715-20-50-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)(i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480506/715-20-50-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (l)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480506/715-20-50-1

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/715/tableOfContent

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)(iii)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480506/715-20-50-1

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (r)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480506/715-20-50-1

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (r)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480506/715-20-50-1

+ Details

Income Taxes - Schedule of Components of Income Tax Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Current income tax expense:
Federal	$ 103,748	$ 88,526
State	15,398	6,044
Total current income tax expense	119,146	94,570
Deferred income tax expense:
Federal	(2,923)	(5,656)
State	(518)	(1,004)
Total deferred income tax expense	(3,441)	(6,660)
Total income tax expense:
Federal	100,825	82,870
State	14,880	5,040
Total income tax expense on operations	$ 115,705	$ 87,910

Business Segment Reporting (Tables)

12 Months Ended

Dec. 31, 2025

Segment Reporting [Abstract]

Schedule of Segment Reporting Information

Financial results by operating segment, including significant expense categories provided to the CODM, are detailed below:


	For the year ended December 31, 2025
	Consumer		Commercial		Wealth Management		Corp / Other		Total
	(dollars in thousands)
Net interest income	$	315,068	$	436,212	$	(75)	$	38,460	$	789,665
Provision for credit losses¹	4,402		3,754		(4)		1,159		9,311
Net interest income after provision for credit losses	310,666		432,458		(71)		37,301		780,354
Noninterest income¹	111,268		42,869		77,360		197		231,694
Noninterest expense	243,012		159,151		52,168		51,159		505,490
Income before income taxes1	178,922		316,176		25,121		(13,661)		506,558
Income taxes	42,886		73,155		6,049		(6,385)		115,705
Net income1	$	136,036	$	243,021	$	19,072	$	(7,276)	$	390,853

Assets	$	3,498,285	$	8,530,725	$	19,441	$	8,703,527	$	20,751,978
Assets under advice	-		-		15,956,069		-		15,956,069
¹ Consumer includes a $13.6 million loss on the sale of the consumer lease portfolio recognized in other noninterest income and a $5.0 million release of provision. Net of taxes, at a tax rate of 23.84%, the total impact to net income was $6.6 million.


	For the year ended December 31, 2025
	Consumer		Commercial		Wealth Management		Corp / Other		Total
Noninterest income	(dollars in thousands)
Service charges and commissions	$	39,005	$	18,191	$	-	$	435	$	57,631
Payment services revenue	44,629		22,844		-		97		67,570
Brokerage services	(84)		1,346		24,982		2,452		28,696
Fees for fiduciary services	-		-		52,375		(421)		51,954
Mortgage banking revenues	39,571		-		-		-		39,571
Investment securities (losses) gains, net	-		-		-		(6,811)		(6,811)
Other income¹	(11,853)		488		3		4,445		(6,917)
Total noninterest income	$	111,268	$	42,869	$	77,360	$	197	$	231,694
¹ Consumer includes a $13.6 million loss on the sale of the consumer lease portfolio.


	For the year ended December 31, 2025
	Consumer		Commercial		Wealth Management		Corp / Other		Total
Noninterest expense	(dollars in thousands)
Salaries and employee benefits	$	110,983	$	56,642	$	36,907	$	93,548	$	298,080
Net occupancy and equipment	32,917		7,207		2,991		5,875		48,990
Computer software and maintenance	6,182		3,438		1,746		11,190		22,556
Marketing and business development	7,916		2,163		1,385		9,206		20,670
Legal and professional fees	1,545		2,243		871		17,744		22,403
Bankcard processing, rewards and related cost	22,072		9,661		-		(986)		30,747
Other expenses	27,455		3,800		3,584		27,205		62,044
Allocated expenses	33,942		73,997		4,684		(112,623)		-
Total noninterest expense	$	243,012	$	159,151	$	52,168	$	51,159	$	505,490


	For the year ended December 31, 2024
	Consumer		Commercial		Wealth Management		Corp / Other		Total
	(dollars in thousands)
Net interest income	$	276,775	$	403,079	$	(250)	$	7,720	$	687,324
Provision for credit losses	11,640		3,359		2		(414)		14,587
Net interest income after provision for credit losses	265,135		399,720		(252)		8,134		672,737
Noninterest income	124,854		43,334		69,212		(27,010)		210,390
Noninterest expense	242,560		148,737		46,863		51,247		489,407
Income before income taxes	147,429		294,317		22,097		(70,123)		393,720
Income taxes	35,260		67,799		5,306		(20,455)		87,910
Net income	$	112,169	$	226,518	$	16,791	$	(49,668)	$	305,810

Assets	$	3,534,547	$	8,572,871	$	24,728	$	7,110,397	$	19,242,543
Assets under advice	-		-		13,527,632		-		13,527,632


	For the year ended December 31, 2024
	Consumer		Commercial		Wealth Management		Corp / Other		Total
Noninterest income	(dollars in thousands)
Service charges and commissions	$	38,248	$	17,449	$	-	$	440	$	56,137
Payment services revenue	43,358		24,068		-		105		67,531
Brokerage services	(42)		1,251		22,406		2,124		25,739
Fees for fiduciary services	-		-		46,503		(606)		45,897
Mortgage banking revenues	42,080		-		-		-		42,080
Investment securities (losses) gains, net	-		-		-		(36,661)		(36,661)
Other income	1,210		566		303		7,588		9,667
Total noninterest income	$	124,854	$	43,334	$	69,212	$	(27,010)	$	210,390


	For the year ended December 31, 2024
	Consumer		Commercial		Wealth Management		Corp / Other		Total
Noninterest expense	(dollars in thousands)
Salaries and employee benefits	$	104,815	$	50,991	$	32,285	$	92,996	$	281,087
Net occupancy and equipment	31,568		6,439		2,805		6,319		47,131
Computer software and maintenance	6,412		2,975		1,695		9,236		20,318
Marketing and business development	8,050		2,108		1,564		8,268		19,990
Legal and professional fees	840		1,646		1,076		22,728		26,290
Bankcard processing, rewards and related cost	27,360		11,684		-		(7,042)		32,002
Other expenses	29,291		3,783		3,164		26,351		62,589
Allocated expenses	34,224		69,111		4,274		(107,608)		-
Total noninterest expense	$	242,560	$	148,737	$	46,863	$	51,247	$	489,407

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. These expenses will be reflected in "Corporate / Other" with the offset in allocated expenses. 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. In addition, "Corporate / Other" includes unallocated bank balances including the investment securities portfolio, cash held at the federal reserve, eliminations, and other items 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.

Leasing

12 Months Ended

Dec. 31, 2025

Leases [Abstract]

Leasing

The Company’s lessee arrangements predominantly consist of operating leases for premises and equipment; the Company’s financing leases are not significant. The table below summarizes lease-related balances that the Company reported on its consolidated balance sheets and lease terms:


	December 31,
	2025			2024
	(dollars in thousands)
Lease balances
Right of use assets	$	31,281		$	30,187
Lease liabilities	32,557			31,522
Lease terms
Operating leases
Year through which lease terms extend	2049			2049
Weighted average remaining lease term	23.8			25.1
Weighted average discount rate	3.91		%	3.80		%
Finance leases
Year through which lease terms extend	2038			2027
Weighted average remaining lease term	3.1			2.1
Weighted average discount rate	1.49		%	1.49		%

Lease Costs

The following table presents lease costs, which are included in net occupancy and equipment expenses on the Consolidated Statements of Income:


	December 31,
	2025		2024
	(dollars in thousands)
Lease costs
Operating lease costs	$	3,506	$	3,633
Finance lease costs	5		5
Short-term lease costs	680		493
Total lease costs	$	4,191	$	4,132

Lease Cash Flow

Cash paid for amounts included in the measurement of lease liabilities was as follows:


	December 31,
	2025		2024
	(dollars in thousands)
Cash flows related to leases
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$	3,539	$	3,585
Financing cash flows from finance leases	5		5
Operating lease cash flows - liability reduction	2,902		2,570
ROU assets obtained during the period in exchange for operating lease liabilities	3,938		606
ROU assets obtained during the period in exchange for financing lease liabilities	-		-

Lease Maturity Analysis

The Company’s undiscounted operating lease liabilities are scheduled to mature as follows:


	As of December 31,
	2025
	(dollars in thousands)
Rent commitments
2026	$	3,440
2027	3,085
2028	2,837
2029	2,676
2030	2,332
Thereafter	36,184
Total undiscounted cash flows	50,555
Less: Amounts representing interest	(17,997)
Present value of future minimum lease payments	$	32,557

Leasing


	December 31,
	2025			2024
	(dollars in thousands)
Lease balances
Right of use assets	$	31,281		$	30,187
Lease liabilities	32,557			31,522
Lease terms
Operating leases
Year through which lease terms extend	2049			2049
Weighted average remaining lease term	23.8			25.1
Weighted average discount rate	3.91		%	3.80		%
Finance leases
Year through which lease terms extend	2038			2027
Weighted average remaining lease term	3.1			2.1
Weighted average discount rate	1.49		%	1.49		%

Lease Costs

The following table presents lease costs, which are included in net occupancy and equipment expenses on the Consolidated Statements of Income:


	December 31,
	2025		2024
	(dollars in thousands)
Lease costs
Operating lease costs	$	3,506	$	3,633
Finance lease costs	5		5
Short-term lease costs	680		493
Total lease costs	$	4,191	$	4,132

Lease Cash Flow

Cash paid for amounts included in the measurement of lease liabilities was as follows:


	December 31,
	2025		2024
	(dollars in thousands)
Cash flows related to leases
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$	3,539	$	3,585
Financing cash flows from finance leases	5		5
Operating lease cash flows - liability reduction	2,902		2,570
ROU assets obtained during the period in exchange for operating lease liabilities	3,938		606
ROU assets obtained during the period in exchange for financing lease liabilities	-		-

Lease Maturity Analysis

The Company’s undiscounted operating lease liabilities are scheduled to mature as follows:


	As of December 31,
	2025
	(dollars in thousands)
Rent commitments
2026	$	3,440
2027	3,085
2028	2,837
2029	2,676
2030	2,332
Thereafter	36,184
Total undiscounted cash flows	50,555
Less: Amounts representing interest	(17,997)
Present value of future minimum lease payments	$	32,557

Employee Benefit Plans (Tables)

12 Months Ended

Dec. 31, 2025

Postemployment Benefits [Abstract]

Schedule of Changes in Projected Benefit Obligations


	December 31,
	2025		2024
	(dollars in thousands)
Projected benefit obligation	$	14,159	$	15,216
Cumulative contributions in excess of net periodic benefit cost	17,289		17,862

Schedule of Net Benefit Costs

The following items are components of net pension cost for the years ended December 31, 2025 and 2024:


	December 31,
	2025		2024
	(dollars in thousands)
Interest cost on projected benefit obligation	$	6,328	$	11,623
Expected return on plan assets	(6,366)		(10,431)
Amortization of net (gain)	(108)		(55)
Settlement gain recognized	-		(2,736)
Net periodic pension cost	$	(146)	$	(1,599)

Schedule of Net Funded Status

Amounts recognized on the December 31, 2025 and 2024 consolidated balance sheets are as follows:


	December 31,
	2025		2024
	(dollars in thousands)
Prepaid pension asset	$	45,312	$	44,473
Accrued benefit/(liability)	7,968		(10,425)
Net amount recognized	$	53,280	$	34,048

Schedule of Net Periodic Benefit Cost Not yet Recognized

Amounts not yet reflected in net periodic benefit cost and included in accumulated other comprehensive loss, on a pretax basis, at December 31, 2025 are as follows:


	December 31, 2025
	(dollars in thousands)
Accumulated other comprehensive income, pretax	$	25,255
Cumulative employer contributions in excess of net periodic benefit cost	28,025
Net amount recognized	$	53,280

Schedule of Defined Benefit Plan, Assumptions

The following weighted average assumptions have been used at December 31, 2025 and 2024:


	December 31,
	2025		2024
Determination of benefit obligation at year-end:
Discount rate	5.80	%	5.70	%
Determination of net periodic benefit cost for the year ended:
Discount rate	5.70	%	5.50	%
Expected long-term rate of return on plan assets	4.50	%	4.50	%

Schedule of Defined Contribution Plan Disclosures

The following table shows the Company’s employer contributions and benefits paid for the years ended December 31, 2025 and 2024:


	December 31,
	2025		2024
	(dollars in thousands)
Employer contributions	$	1,265	1,363
Benefits paid	6,607		14,273

Schedule of Allocation of Plan Assets

The weighted average asset allocations as of December 31, 2025 and 2024, by asset category, are as follows:


	Plan assets as of December 31,
	2025		2024
Equity securities	-	%	50	%
Fixed income	60	%	49	%
Cash and equivalents	40	%	1	%
Total	100	%	100	%

The following table sets forth by level, within the fair value hierarchy, the pension plan’s assets at fair value as of December 31, 2025:


	Fair value measurements at December 31, 2025 using
	Total fair value		Quoted prices in active markets for identical assets (Level 1)		Significant other unobservable inputs (Level 2)		Significant unobservable inputs (Level 3)
	(dollars in thousands)
Cash equivalents	$	66,574	$	66,574	$	-	$	-
U.S. government and agency obligations	10,199		-		10,199		-
Common stocks	-		-		-		-
Corporate bonds	35,092		-		35,092		-
Mutual funds - fixed income	53,487		53,487		-		-
Mutual funds - equities	596		596		-		-
Total	$	165,947	$	120,657	$	45,291	$	-

The following table sets forth by level, within the fair value hierarchy, the pension plan’s assets at fair value as of December 31, 2024:


	Fair value measurements at December 31, 2024 using
	Total fair value		Quoted prices in active markets for identical assets (Level 1)		Significant other unobservable inputs (Level 2)		Significant unobservable inputs (Level 3)
	(dollars in thousands)
Cash equivalents	$	1,940	$	1,940	$	-	$	-
U.S. government and agency obligations	16,250		-		16,250		-
Common stocks	40,542		40,542		-		-
Corporate bonds	18,385		-		18,385		-
Mutual funds - fixed income	36,958		36,958		-		-
Mutual funds - equities	34,873		34,873		-		-
Total	$	148,948	$	114,313	$	34,635	$	-

Schedule of Expected Benefit Payments

The following benefit payments are expected to be paid (in thousands):


2026	$	6,531
2027	6,765
2028	6,988
2029	7,177
2030	7,376
2031 - 2035	39,387

Defined Benefit Plan, Plan with Projected Benefit Obligation in Excess of Plan Assets

The following table sets forth the pension plans’ funded status, using valuation dates of December 31, 2025 and 2024:


	December 31,
	2025		2024
	(dollars in thousands)
Change in projected benefit obligation:
Projected benefit obligation at prior valuation date	$	114,900	$	248,480
Interest cost	6,328		11,623
Plan settlements	-		(120,303)
Benefits paid	(6,607)		(14,273)
Actuarial (gain)	(1,954)		(10,627)

Projected benefit obligation at valuation date	112,667		114,900
Change in plan assets:
Fair value of plan assets at beginning of year	148,948		255,854
Actual return on plan assets	22,341		26,307
Employer contributions	1,265		1,363
Plan settlements	-		(120,303)
Benefits paid	(6,607)		(14,273)

Fair value of plan assets at end of year	165,947		148,948
Funded status and net amount recognized	$	53,280	$	34,048

Leasing (Schedule of Components of Lease Cost) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Leases [Abstract]
Operating lease costs	$ 3,506	$ 3,633
Finance lease costs	5	5
Short-term lease costs	680	493
Total	$ 4,191	$ 4,132

Capital Adequacy - Schedule of Company’s and the Bank’s Capital Ratios (Details) $ in Thousands	Dec. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)
Parent Company
Total risk-based capital (to risk-weighted assets):
Total capital (to risk-weighted assets), actual amount	$ 3,633,280	$ 3,083,839
Total capital (to risk-weighted assets), actual ratio	0.2929	0.2488
Total capital (to risk-weighted assets), minimum capital requirement amount	$ 992,260	$ 991,777
Total capital (to risk-weighted assets), minimum capital requirement ratio	0.0800	0.0800
Tier 1 capital (to risk-weighted assets):
Actual amount Tier I Capital (to risk-weighted assets), actual amount	$ 3,483,247	$ 2,929,055
Tier I Capital (to risk-weighted assets), actual ratio	0.2808	0.2363
Tier I Capital (to risk-weighted assets), minimum capital requirement amount	$ 744,195	$ 743,833
Tier I Capital (to risk-weighted assets), minimum capital requirement ratio	0.0600	0.0600
Tier 1 common equity capital (to risk-weighted assets):
Tier 1 common equity capital (to risk-weighted assets), actual amount	$ 3,483,247	$ 2,929,055
Tier 1 common equity capital (to risk-weighted assets), actual ratio	0.2808	0.2363
Tier 1 common equity capital (to risk-weighted assets), minimum capital requirement Amount	$ 558,146	$ 557,875
Tier 1 common equity capital (to risk-weighted assets), minimum capital requirement ratio	0.0450	0.0450
Tier 1 capital (to average assets):
Tier 1 capital (to average assets), actual amount	$ 3,483,247	$ 2,929,055
Tier 1 capital (to average assets), actual ratio	0.1794	0.1569
Tier 1 capital (to average assets), Minimum capital adequacy requirement Amount	$ 776,720	$ 746,578
Tier 1 capital (to average assets), minimum capital adequacy requirement ratio	0.0400	0.0400
Subsidiaries
Total risk-based capital (to risk-weighted assets):
Total capital (to risk-weighted assets), actual amount	$ 1,742,888	$ 1,706,617
Total capital (to risk-weighted assets), actual ratio	0.1409	0.1381
Total capital (to risk-weighted assets), minimum capital requirement amount	$ 989,246	$ 1,028,943
Total capital (to risk-weighted assets), minimum capital requirement ratio	0.0800	0.0800
Total capital (to risk-weighted assets), well-capitalized capital requirement amount	$ 1,236,557	$ 1,286,179
Total capital (to risk-weighted assets), well-capitalized capital requirement ratio	0.1000	0.1000
Tier 1 capital (to risk-weighted assets):
Actual amount Tier I Capital (to risk-weighted assets), actual amount	$ 1,592,855	$ 1,551,833
Tier I Capital (to risk-weighted assets), actual ratio	0.1288	0.1256
Tier I Capital (to risk-weighted assets), minimum capital requirement amount	$ 741,934	$ 771,707
Tier I Capital (to risk-weighted assets), minimum capital requirement ratio	0.0600	0.0600
Tier I Capital (to risk-weighted assets), well-capitalized capital requirement amount	$ 989,246	$ 1,028,943
Tier I Capital (to risk-weighted assets), well-capitalized capital requirement ratio	0.0800	0.0800
Tier 1 common equity capital (to risk-weighted assets):
Tier 1 common equity capital (to risk-weighted assets), actual amount	$ 1,592,855	$ 1,551,833
Tier 1 common equity capital (to risk-weighted assets), actual ratio	0.1288	0.1256
Tier 1 common equity capital (to risk-weighted assets), minimum capital requirement Amount	$ 556,451	$ 578,781
Tier 1 common equity capital (to risk-weighted assets), minimum capital requirement ratio	0.0450	0.0450
Tier 1 common equity capital (to risk-weighted assets), well-capitalized capital requirement amount	$ 803,762	$ 836,016
Tier 1 common equity capital (to risk-weighted assets), well-capitalized capital requirement ratio	0.0650	0.0650
Tier 1 capital (to average assets):
Tier 1 capital (to average assets), actual amount	$ 1,592,855	$ 1,551,833
Tier 1 capital (to average assets), actual ratio	0.0821	0.0833
Tier 1 capital (to average assets), Minimum capital adequacy requirement Amount	$ 776,286	$ 745,433
Tier 1 capital (to average assets), minimum capital adequacy requirement ratio	0.0400	0.0400
Tier 1 capital (to average assets), well-capitalized requirement amount	$ 970,358	$ 931,792
Tier 1 capital (to average assets), well-capitalized requirement ratio	0.0500	0.0500

Capital Adequacy (Tables)

12 Months Ended

Dec. 31, 2025

Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]

Schedule of Capital Ratios

A summary of the Company’s and the Bank’s capital ratios at December 31, 2025 and 2024 is as follows:


	As of December 31, 2025:
	Actual				Minimum capital adequacy requirement				Well-capitalized requirement
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(dollars in thousands)
Total risk-based capital (to risk-weighted assets):
Company	$	3,633,280	29.29	%	$	992,260	8.00	%	$	-	-	%
Central Trust Bank	1,742,888		14.09	%	989,246		8.00	%	1,236,557		10.00	%
Tier 1 capital (to risk-weighted assets):
Company	3,483,247		28.08	%	744,195		6.00	%	-		-	%
Central Trust Bank	1,592,855		12.88	%	741,934		6.00	%	989,246		8.00	%
Tier 1 common equity capital (to risk-weighted assets):
Company	3,483,247		28.08	%	558,146		4.50	%	-		-	%
Central Trust Bank	1,592,855		12.88	%	556,451		4.50	%	803,762		6.50	%
Tier 1 capital (to average assets):
Company	3,483,247		17.94	%	776,720		4.00	%	-		-	%
Central Trust Bank	1,592,855		8.21	%	776,286		4.00	%	970,358		5.00	%


	As of December 31, 2024:
	Actual				Minimum capital adequacy requirement				Well-capitalized requirement
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(dollars in thousands)
Total risk-based capital (to risk-weighted assets):
Company	$	3,083,839	24.88	%	$	991,777	8.00	%	$	-	-	%
Central Trust Bank	1,706,617		13.81	%	1,028,943		8.00	%	1,286,179		10.00	%
Tier 1 capital (to risk-weighted assets):
Company	2,929,055		23.63	%	743,833		6.00	%	-		-	%
Central Trust Bank	1,551,833		12.56	%	771,707		6.00	%	1,028,943		8.00	%
Tier 1 common equity capital (to risk-weighted assets):
Company	2,929,055		23.63	%	557,875		4.50	%	-		-	%
Central Trust Bank	1,551,833		12.56	%	578,781		4.50	%	836,016		6.50	%
Tier 1 capital (to average assets):
Company	2,929,055		15.69	%	746,578		4.00	%	-		-	%
Central Trust Bank	1,551,833		8.33	%	745,433		4.00	%	931,792		5.00	%

Fair Value Disclosures - Schedule of Estimated Fair Values of the Company’s Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Financial Assets
Net carrying amount	$ 6,372,463	$ 5,603,723
Held to maturity	1,689	3,225
Equity	48,200	48,770
Trading	0	666
Add: Unearned income	11,284,931	11,469,812
Reported Value Measurement
Financial Assets
Net carrying amount	6,372,463	5,603,723
Held to maturity	1,689	3,225
Equity	48,200	48,770
Trading	0	666
Add: Unearned income	11,284,931	11,469,812
Loans held for sale	54,119	34,264
Derivatives	7,969	10,312
Total assets	19,834,553	18,413,279
Financial Liabilities
Federal funds purchased and customer repurchase agreements	1,011,851	1,007,295
Accrued interest payable	9,306	10,291
Derivatives	7,021	8,842
Cash and due from banks \| Reported Value Measurement
Financial Assets
Cash and due from banks	258,588	265,209
Short-term interest-bearing deposits \| Reported Value Measurement
Financial Assets
Cash and due from banks	1,805,215	969,416
Time deposits \| Reported Value Measurement
Financial Assets
Cash and due from banks	1,039	699
Federal funds sold and securities purchased under agreements to resell \| Reported Value Measurement
Financial Assets
Cash and due from banks	340	7,183
Quoted prices in active markets for identical assets (Level 1) \| Estimate of Fair Value Measurement
Financial Assets
Net carrying amount	929,305	1,270,167
Held to maturity	0	0
Equity	0	724
Trading	0	0
Add: Unearned income	0	0
Loans held for sale	0	0
Derivatives	0	0
Total assets	2,993,448	2,512,699
Financial Liabilities
Federal funds purchased and customer repurchase agreements	1,011,851	1,007,295
Accrued interest payable	9,306	10,291
Derivatives	0	0
Quoted prices in active markets for identical assets (Level 1) \| Cash and due from banks \| Estimate of Fair Value Measurement
Financial Assets
Cash and due from banks	258,588	265,209
Quoted prices in active markets for identical assets (Level 1) \| Short-term interest-bearing deposits \| Estimate of Fair Value Measurement
Financial Assets
Cash and due from banks	1,805,215	969,416
Quoted prices in active markets for identical assets (Level 1) \| Time deposits \| Estimate of Fair Value Measurement
Financial Assets
Cash and due from banks	0	0
Quoted prices in active markets for identical assets (Level 1) \| Federal funds sold and securities purchased under agreements to resell \| Estimate of Fair Value Measurement
Financial Assets
Cash and due from banks	340	7,183
Significant other observable inputs (Level 2) \| Estimate of Fair Value Measurement
Financial Assets
Net carrying amount	5,443,158	4,333,556
Held to maturity	1,023	2,554
Equity	36,690	36,765
Trading	0	666
Add: Unearned income	0	0
Loans held for sale	54,119	34,264
Derivatives	7,969	10,312
Total assets	5,542,959	4,418,117
Financial Liabilities
Federal funds purchased and customer repurchase agreements	0	0
Accrued interest payable	0	0
Derivatives	7,021	8,842
Significant other observable inputs (Level 2) \| Cash and due from banks \| Estimate of Fair Value Measurement
Financial Assets
Cash and due from banks	0	0
Significant other observable inputs (Level 2) \| Short-term interest-bearing deposits \| Estimate of Fair Value Measurement
Financial Assets
Cash and due from banks	0	0
Significant other observable inputs (Level 2) \| Time deposits \| Estimate of Fair Value Measurement
Financial Assets
Cash and due from banks	0	0
Significant other observable inputs (Level 2) \| Federal funds sold and securities purchased under agreements to resell \| Estimate of Fair Value Measurement
Financial Assets
Cash and due from banks	0	0
Significant unobservable inputs (Level 3) \| Estimate of Fair Value Measurement
Financial Assets
Net carrying amount	0	0
Held to maturity	677	677
Equity	11,510	11,281
Trading	0	0
Add: Unearned income	11,285,348	11,283,393
Loans held for sale	0	0
Derivatives	0	0
Total assets	11,298,574	11,296,050
Financial Liabilities
Federal funds purchased and customer repurchase agreements	0	0
Accrued interest payable	0	0
Derivatives	0	0
Significant unobservable inputs (Level 3) \| Cash and due from banks \| Estimate of Fair Value Measurement
Financial Assets
Cash and due from banks	0	0
Significant unobservable inputs (Level 3) \| Short-term interest-bearing deposits \| Estimate of Fair Value Measurement
Financial Assets
Cash and due from banks	0	0
Significant unobservable inputs (Level 3) \| Time deposits \| Estimate of Fair Value Measurement
Financial Assets
Cash and due from banks	1,039	699
Significant unobservable inputs (Level 3) \| Federal funds sold and securities purchased under agreements to resell \| Estimate of Fair Value Measurement
Financial Assets
Cash and due from banks	$ 0	$ 0

Customer Repurchase Agreements - Schedule of Securities Sold Under Agreements to Repurchase (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Statistical Disclosure for Banks [Abstract]
Average monthly balance during the year	$ 888,197	$ 865,928
Maximum month-end balance during the year	$ 946,635	$ 919,153
Average interest rate during the year	2.22%	2.39%

Stock-Based Compensation

12 Months Ended

Dec. 31, 2025

Stock-Based Compensation

The Company provides stock-based compensation to key employees in the form of restricted stock awards (RSAs) and stock-based performance bonuses. The Company’s restricted stock plan is designed to attract, retain, and reward employees while aligning the interest 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 Restricted Stock Plan was amended on October 9, 2025 and replaced with the Central Bancompany, Inc. 2025 Equity Incentive Plan. At December 31, 2025, 2,500,000 shares of common stock remained available for issuance under the plan.

Restricted stock awards represent a grant of shares of common stock that vests over a specified period, subject to the satisfaction of service conditions. The vesting period for RSAs awarded by the Company is generally 3 or 5 years, but vesting terms may vary in accordance with the specific provisions of the individual award agreements. There are restrictions as to the transferability, sale, pledging, or assigning, among others, prior to the vesting period. Dividend rights are received upon grant of the restricted stock awards but are paid upon vesting.

The fair value of RSAs is determined based on the weighted average selling price of the Company's common stock during a specified period that is within 30 days before or 30 days after the applicable determination date, as determined by the Board of Directors in its sole discretion. Compensation expense is recognized over the vesting period of the awards, based on the fair value at grant date.

The following represents a summary of changes in the Company’s nonvested restricted stock shares as of December 31, 2025.


	Shares	Weighted average grant date fair value
Nonvested at January 1, 2024	294,450	$	12.94
Granted	295,950	13.08
Vested	(91,750)	12.69
Forfeited	(2,200)	13.11
Nonvested at December 31, 2024	496,450	13.07
Granted	325,500	13.53
Vested	(146,600)	12.98
Forfeited	(73,050)	13.32
Nonvested at December 31, 2025	602,300	$	13.31

The Company also awards stock bonuses to specified employees. Stock bonuses are granted at the discretion of the Company's Board of Directors. The fair value of stock bonuses is recognized as compensation expense on the date the award is granted as these shares are unrestricted and not subject to a future service requirement.

For the years ended December 31, 2025 and 2024, the total stock-based compensation expense recognized for restricted stock awards and stock bonuses was $3.1 million and $3.5 million, respectively. This expense is calculated on the graded vesting method and is included in salaries and employee benefits. The fair value of restricted shares vested totaled $2.0 million and $1.2 million during the years ended December 31, 2025 and 2024, respectively. The unrecognized compensation cost of nonvested restricted stock totaled $3.5 million at December 31, 2025. The Company expects to recognize compensation expense of $1.9 million in 2026, $1.0 million in 2027, $0.4 million in 2028, $0.2 million in 2029, and $19.1 thousand in 2030 on the nonvested shares of restricted stock.

Insider Trading Policies and Procedures	12 Months Ended
Insider Trading Policies and Procedures	Dec. 31, 2025
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Employee Benefit Plans - Schedule of Components of Net Pension Cost (Details) - Pension Plan - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Interest cost on projected benefit obligation	$ 6,328	$ 11,623
Expected return on plan assets	(6,366)	(10,431)
Amortization of net (gain)	(108)	(55)
Settlement gain recognized	0	(2,736)
Net periodic pension cost	$ (146)	$ (1,599)

Investment Securities

12 Months Ended

Dec. 31, 2025

Investments, Debt and Equity Securities [Abstract]

Investment Securities

The table below includes the fair value of equity securities as of December 31, 2025 and 2024. Equity investments with no readily determinable fair value are carried at cost. Federal Home Loan Bank and Federal Reserve 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.


	December 31,
	2025		2024
Equity securities:	(dollars in thousands)
Common and preferred stock with readily determinable fair value	$	-	$	724
Federal Home Loan Bank stock	10,634		10,708
Federal Reserve Bank stock	26,057		26,057
Other - no readily determinable fair value	11,510		11,281
Total equity securities	$	48,200	$	48,770

As of December 31, 2023, the Company held 66,020 shares of Visa Inc. Class B-1 common stock that had a carrying value of zero as there had not been observable price changes in orderly transactions for identical or similar investments. On January 23, 2024, Visa, Inc.'s shareholders approved an exchange offer that allowed holders of Class B-1 shares to convert up to 50% of their holdings into Visa Class C shares, which could later be converted into freely transferable Visa Class A common shares, subject to certain restrictions and holding period conditions (the "Exchange Offer"). The Exchange Offer opened on April 8, 2024, and expired on May 3, 2024. The Company tendered all of its 66,020 Class B-1 Visa shares under the offer, receiving 33,010 Visa Class B-2 shares and 13,100 Visa Class C shares. The Visa Class C shares automatically convert into four Visa Class A shares upon transfer to anyone other than a Visa member or affiliate.

In the second quarter of 2024, the Company sold 34,928 Visa Class A shares, recognizing $9.7 million in pre-tax gains. An unrealized gain of $4.6 million was recognized on the remaining Visa Class C shares based on the closing price of Visa Class A shares, reflecting market transactions involving similar Visa securities. The Company sold the remaining Visa Class C shares, equating to 17,472 Visa Class A shares, in the third quarter of 2024, realizing a pre-tax gain of $4.5 million. As of December 31, 2025 we continue to hold all 33,010 of Visa Class B-2 shares, which retain the same restrictions as the former Class B-1 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.

During 2025, $0.1 million in net gains were recorded on common and preferred stock, consisting of $0.8 million in gains realized on sales during 2025 and a $0.7 million decrease in unrealized gains on the portfolio. In 2024, and including the gain on Visa shares outlined above, $14.7 million in net gains were recorded on common and preferred stock, consisting of $16.0 million in gains realized on sales during 2024 and $1.3 million decrease in unrealized gains on the portfolio.

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 December 31, 2025 and 2024.


	As of December 31, 2025
	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair values		Allowance for credit losses		Net carrying amount
Available for sale securities:	(dollars in thousands)
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 available for sale securities	$	6,419,874	$	57,171	$	(104,582)	$	6,372,463	$	-	$	6,372,463
Held to maturity:
U.S. Agency mortgage-backed securities	$	21	$	1	$	-	$	22	$	-	$	22
Obligations of states and political subdivisions	1,678		-		-		1,678		(10)		1,668
Total held to maturity securities	$	1,699	$	1	$	-	$	1,700	$	(10)	$	1,690


	As of December 31, 2024
	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair values		Allowance for credit losses		Net carrying amount
Available for sale securities:	(dollars in thousands)
U.S. Treasury securities	$	1,291,137	$	752	$	(22,336)	$	1,269,553	$	-	$	1,269,553
U.S. Agency debentures	373,869		54		(4,635)		369,288		-		369,288
U.S. Agency mortgage-backed securities	4,078,956		6,535		(170,739)		3,914,752		-		3,914,752
Obligations of states and political subdivisions	21,274		79		(212)		21,141		-		21,141
Other securities	29,648		12		(671)		28,989		-		28,989
Total available for sale securities	$	5,794,884	$	7,432	$	(198,593)	$	5,603,723	$	-	$	5,603,723
Held to maturity:
U.S. Agency mortgage-backed securities	$	25	$	1	$	-	$	26	$	-	$	26
Obligations of states and political subdivisions	3,221		-		(16)		3,205		(21)		3,184
Total held to maturity securities	$	3,246	$	1	$	(16)	$	3,231	$	(21)	$	3,210

Accrued interest receivable totaled $25.1 million and $22.0 million at December 31, 2025 and 2024, respectively, and is included within other assets on the consolidated balance sheets.

The amortized cost and fair value of AFS and HTM securities at December 31, 2025, by contractual maturity, are shown below:


	December 31, 2025
	U.S. government obligations and government-sponsored enterprises						Obligations of state and political subdivisions						Other securities*
	Amortized Cost		FTE Yield		Fair Value		Amortized Cost		FTE Yield		Fair Value		Amortized Cost		FTE Yield		Fair Value
Securities available for sale:	(dollars in thousands)
Within 1 year	$	96,253	2.11	%	$	95,243	$	2,759	3.55	%	$	2,757	$	-	-	%	$	-
After 1 but within 5 years	955,361		4.22	%	965,500		13,173		4.54	%	13,232		1,167		7.49	%	1,167
After 5 but within 10 years	-		-	%	-		256		2.74	%	252		-		-	%	-
After 10 years	-		-	%	-		407		7.89	%	403		-		-	%	-
Mortgage– and asset-backed securities	5,345,130		4.04	%	5,288,577		-		-	%	-		5,368		5.07	%	5,332
Total available for sale securities	$	6,396,744	4.04	%	$	6,349,320	$	16,595	4.43	%	$	16,644	$	6,535	5.58	%	$	6,499

Securities held to maturity:
Within 1 year	$	-	-	%	$	-	$	155	3.36	%	$	155	$	-	-	%	$	-
After 1 but within 5 years	-		-	%	-		1,492		2.75	%	1,492		-		-	%	-
After 5 but within 10 years	-		-	%	-		31		6.52	%	31		-		-	%	-
After 10 years	-		-	%	-		-		-	%	-		-		-	%	-
Mortgage– and asset-backed securities	21		6.11	%	22		-		-	%	-		-		-	%	-
Total held to maturity securities	$	21	6.11	%	$	22	$	1,678	2.88	%	$	1,678	$	-	-	%	$	-
* Other securities consist primarily of corporate bonds.

Proceeds from sales of AFS securities in 2025 and 2024 were $0.32 billion and $1.04 billion, respectively. Using the specific-identification method to determine the cost of the securities sold, net losses of $6.9 million and $51.2 million were recognized on the sale of AFS securities in 2025 and 2024, respectively.

Investment securities with a carrying value of approximately $4.06 billion and $3.88 billion were pledged to secure public deposits, repurchase agreements, and borrowed funds at December 31, 2025 and 2024, respectively.

Allowance for credit losses on investment securities:

The Company adopted ASU 2016-13, Measurement of Credit Losses on Financial Instruments, on January 1, 2023. The principles for expected credit losses apply to all financial assets valued at cost, including our portfolio of HTM debt securities. The expected credit losses for these assets are determined based on the likelihood of default and the potential loss in the event of default, using assumptions that correspond to loans with similar credit profiles. The Company recorded an allowance for credit losses on its HTM securities of $10 thousand and $21 thousand at December 31, 2025 and 2024, respectively.

All AFS securities not issued or guaranteed by the U.S. Government, its agencies, or sponsored enterprises are subject to a quarterly review to test for impairment. This process requires the Company to adequately test for a range of credit and loss assumptions and does not rely primarily on credit ratings. This revealed no matters that would warrant impairment and result in an allowance for credit losses as of December 31, 2025 and 2024, respectively. The Company determined that all unrealized losses in its available-for-sale portfolio are primarily attributable to changes in interest rates and current market conditions.

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 December 31, 2025, the fair value of securities on this watch list was $4.9 million compared to $2.2 million at December 31, 2024.

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. Unrealized losses on these AFS securities have not been recognized into 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. Additionally, management does not intend to sell the securities, and it is more likely than not that management will not be required to sell the securities prior to the anticipated recovery.

Gross unrealized losses on AFS 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 December 31, 2025 and 2024 were as follows:


	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
Available for sale securities:	(dollars in thousands)
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 available for sale securities	$	419,704	$	(1,190)	$	1,479,874	$	(103,392)	$	1,899,578	$	(104,582)


	As of December 31, 2024
	Less than 12 months				12 months or more				Total
	Fair value		Unrealized losses		Fair value		Unrealized losses		Fair value		Unrealized losses
Available for sale securities:	(dollars in thousands)
U.S. government obligations and government- sponsored enterprises	$	1,468,478	$	(14,293)	$	2,757,421	$	(183,418)	$	4,225,899	$	(197,711)
Obligations of states and political subdivisions	2,239		(16)		9,618		(195)		11,856		(211)
Other securities	717		-		26,691		(671)		27,409		(671)
Total available for sale securities	$	1,471,434	$	(14,309)	$	2,793,730	$	(184,284)	$	4,265,164	$	(198,593)

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 December 31, 2025 and 2024 were as follows:


	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
Held to maturity securities:	(dollars in thousands)
U.S. government obligations and government- sponsored enterprises	$	-	$	-	$	-	$	-	$	-	$	-
Obligations of states and political subdivisions	450		-		-		-		450		-
Total held to maturity securities	$	450	$	-	$	-	$	-	$	450	$	-


	As of December 31, 2024
	Less than 12 months				12 months or more				Total
	Fair value		Unrealized losses		Fair value		Unrealized losses		Fair value		Unrealized losses
Held to maturity securities:	(dollars in thousands)
U.S. government obligations and government- sponsored enterprises	$	-	$	-	$	-	$	-	$	-	$	-
Obligations of states and political subdivisions	1,278		(15)		149		(1)		1,427		(16)
Total held to maturity securities	$	1,278	$	(15)	$	149	$	(1)	$	1,427	$	(16)

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 (Standard & Poor's and Moody's) of the Company’s HTM obligations of states and political subdivisions at December 31, 2025 and 2024.


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

	December 31, 2024
	Amortized Cost Basis by Credit Rating
	Non-Rated		A		AA		AAA		Grand Total
Held to maturity securities:	(dollars in thousands)
State and political subdivisions	$	35	$	40	$	2,996	$	150	$	3,221

All HTM securities were current at December 31, 2025 and 2024.

Loans and Allowance for Credit Losses - Schedule of Age Analysis of Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	$ 11,444,216	$ 11,650,350
90 days past due and still accruing	1,343	3,479
Nonaccrual	44,663	35,994
Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	11,363,135	11,550,951
30 - 89 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	35,075	59,926
Total commercial loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	7,062,565	7,198,302
90 days past due and still accruing	34	256
Nonaccrual	17,211	14,234
Total commercial loans \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	7,035,370	7,158,668
Total commercial loans \| 30 - 89 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	9,950	25,144
Construction and development
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	570,749	552,676
90 days past due and still accruing	0	0
Nonaccrual	81	244
Construction and development \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	570,668	552,127
Construction and development \| 30 - 89 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	0	305
Commercial, financial & agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	1,761,287	1,874,906
90 days past due and still accruing	34	256
Nonaccrual	5,581	2,961
Commercial, financial & agricultural \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	1,751,575	1,856,053
Commercial, financial & agricultural \| 30 - 89 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	4,097	15,636
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	4,730,529	4,770,720
90 days past due and still accruing	0	0
Nonaccrual	11,549	11,029
Commercial real estate \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	4,713,127	4,750,488
Commercial real estate \| 30 - 89 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	5,853	9,203
Commercial real estate \| Non-owner-occupied commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	3,150,269	3,197,765
90 days past due and still accruing	0	0
Nonaccrual	9,007	6,889
Commercial real estate \| Non-owner-occupied commercial real estate \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	3,137,206	3,183,234
Commercial real estate \| Non-owner-occupied commercial real estate \| 30 - 89 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	4,056	7,642
Commercial real estate \| Owner-occupied commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	1,580,260	1,572,955
90 days past due and still accruing	0	0
Nonaccrual	2,542	4,140
Commercial real estate \| Owner-occupied commercial real estate \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	1,575,921	1,567,254
Commercial real estate \| Owner-occupied commercial real estate \| 30 - 89 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	1,797	1,561
Total residential and consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	4,381,651	4,452,048
90 days past due and still accruing	1,309	3,223
Nonaccrual	27,452	21,760
Total residential and consumer loans \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	4,327,765	4,392,283
Total residential and consumer loans \| 30 - 89 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	25,125	34,782
Residential real estate \| Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	3,321,101	3,105,760
90 days past due and still accruing	862	2,745
Nonaccrual	23,893	14,798
Residential real estate \| Residential real estate \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	3,283,403	3,070,437
Residential real estate \| Residential real estate \| 30 - 89 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	12,943	17,780
Residential real estate \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	410,845	349,011
90 days past due and still accruing	167	149
Nonaccrual	1,203	1,037
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 unpaid principal balance	408,114	346,367
Residential real estate \| Home equity lines of credit \| 30 - 89 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	1,361	1,458
Consumer \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance		349,011
Consumer \| Consumer credit card
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	98,310	93,825
90 days past due and still accruing	280	329
Nonaccrual	0	0
Consumer \| Consumer credit card \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	96,988	91,539
Consumer \| Consumer credit card \| 30 - 89 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	1,042	1,957
Consumer \| Other consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	551,395	903,452
90 days past due and still accruing	0
Nonaccrual	2,356
Consumer \| Other consumer loans \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	539,260	883,941
Consumer \| Other consumer loans \| 30 - 89 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	$ 9,779	13,587
Consumer \| Other consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance		903,452
90 days past due and still accruing		0
Nonaccrual		5,925
Consumer \| Other consumer loans \| Current or less than 30 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance		883,940
Consumer \| Other consumer loans \| 30 - 89 days past due
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance		$ 13,587

Income Taxes - Schedule of Income Tax (Benefit) Expense Allocated to Shareholders' Equity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Unrealized gain on AFS debt securities	$ 34,270	$ 34,309
Accumulated pension loss	4,248	5,653
Income tax (expense)	$ 38,518	$ 39,962

- Definition

Amount of tax expense (benefit) allocated to other comprehensive income (loss).

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section 45
-Paragraph 12
-SubTopic 10
-Topic 220
-Publisher FASB
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
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-Name Accounting Standards Codification
-Section 50
-Paragraph 4
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-URI https://asc.fasb.org/1943274/2147482765/220-10-50-4

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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-Subparagraph (c)
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-URI https://asc.fasb.org/1943274/2147481694/830-30-45-20

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04(19))
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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-Paragraph 11
-Subparagraph (b)
-Publisher FASB
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03(21))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(23))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 20
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482659/740-20-45-2

+ Details

Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Deferred tax assets:
Loans, principally due to allowance for loan losses	$ 35,766	$ 36,901
Accrued expenses	25,958	26,983
Buildings and equipment	711	928
Unrealized loss on available-for-sale securities	11,303	45,573
Core deposit intangible	1,201	749
Unearned revenue	297	526
Total gross deferred tax assets	75,236	111,660
Deferred tax liabilities:
Prepaid pension expense	10,802	10,602
Mortgage servicing rights	7,007	7,253
Goodwill	37,014	35,924
Lease financing	22,063	29,502
Unrealized gain on equity securities	909	698
Capitalized loan costs	6,021	1,773
Defined benefit plan	1,766	1,214
Other	1,399	1,362
Total gross deferred tax liabilities	86,981	88,328
Net deferred taxes	$ (11,745)
Net deferred taxes		$ 23,332

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	$ 3,110,661	$ 2,743,798
Other comprehensive income before reclassifications	154,651	116,380
Current period other comprehensive income, before tax	6,920	51,249
Current period other comprehensive income, before tax	161,571	167,629
Income tax (expense)	(38,518)	(39,962)
Other comprehensive income	123,053	127,667
Ending balance	3,783,977	3,110,661
Total
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(139,925)	(267,592)
Other comprehensive income	123,053	127,667
Ending balance	(16,872)	(139,925)
Unrealized gains/losses on AFS securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(145,589)	(255,195)
Other comprehensive income before reclassifications	136,831	92,666
Current period other comprehensive income, before tax	6,920	51,249
Current period other comprehensive income, before tax	143,751	143,915
Income tax (expense)	(34,270)	(34,309)
Other comprehensive income	109,481	109,606
Ending balance	(36,108)	(145,589)
Pension plan
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	5,664	(12,397)
Other comprehensive income before reclassifications	17,820	23,714
Current period other comprehensive income, before tax	0	0
Current period other comprehensive income, before tax	17,820	23,714
Income tax (expense)	(4,248)	(5,653)
Other comprehensive income	13,572	18,061
Ending balance	$ 19,236	$ 5,664

Summary of Significant Accounting Policies - Goodwill and Other Intangible Assets (Details)	Dec. 31, 2025
Minimum
Goodwill [Line Items]
Useful life (in years)	7 years
Maximum
Goodwill [Line Items]
Useful life (in years)	20 years

- 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.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 24
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482548/350-20-55-24

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+ Details

Loans and Allowance for Credit Losses - Schedule of Amortized Cost Basis of Collateral-Dependent Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	$ 11,444,216	$ 11,650,350
Construction and development
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	570,749	552,676
Commercial, financial & agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	1,761,287	1,874,906
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	4,730,529	4,770,720
Commercial real estate \| Non-owner-occupied commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	3,150,269	3,197,765
Commercial real estate \| Owner-occupied commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	1,580,260	1,572,955
Residential real estate \| Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	3,321,101	3,105,760
Total
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	20,628	15,623
Total \| Construction and development
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	2,530	1,417
Total \| Commercial, financial & agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	4,404	341
Total \| Commercial real estate \| Non-owner-occupied commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	9,029	7,239
Total \| Commercial real estate \| Owner-occupied commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	4,049	3,800
Total \| Residential real estate \| Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	616	2,824
Real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	16,224	15,576
Real estate \| Construction and development
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	2,530	1,417
Real estate \| Commercial, financial & agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	0	341
Real estate \| Commercial real estate \| Non-owner-occupied commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	9,029	7,239
Real estate \| Commercial real estate \| Owner-occupied commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	4,049	3,800
Real estate \| Residential real estate \| Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	616	2,777
Business assets
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	4,404	47
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	4,404	0
Business assets \| Commercial real estate \| Non-owner-occupied commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	0	0
Business assets \| Commercial real estate \| Owner-occupied commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	0	0
Business assets \| Residential real estate \| Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral dependent loans	$ 0	$ 47

Investment Securities - Narrative (Details) - USD ($)	3 Months Ended		12 Months Ended
Investment Securities - Narrative (Details) - USD ($)	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2025	Dec. 31, 2024
Debt Securities, Available-for-sale [Line Items]
Unrealized gain (loss)		$ 4,600,000	$ (700,000)	$ (1,300,000)
Net gains			100,000	14,700,000
Realized gains			800,000	16,000,000.0
Proceeds from sales of available-for-sale securities			315,180,000	1,044,686,000
Loss on available-for-sale securities			6,900,000	51,200,000
Money market funds, at carrying value			4,060,000,000.00	3,880,000,000
Fair value of securities			4,900,000	2,200,000
Debt securities available-for-sale, accrued interest			$ 25,100,000	$ 22,000,000.0
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]			Other assets	Other assets
Allowance for credit losses			$ 10,000	$ 21,000
Visa Class B-1 Shares
Debt Securities, Available-for-sale [Line Items]
Number of shares held (in shares)				66,020
Investment owned fair value				$ 0
Visa Class B-2 Shares
Debt Securities, Available-for-sale [Line Items]
Number of shares held (in shares)		33,010
Investment owned fair value		$ 0
Common shares received (in shares)				33,010
Visa Class C Shares
Debt Securities, Available-for-sale [Line Items]
Common shares received (in shares)				13,100
Visa Class A Shares
Debt Securities, Available-for-sale [Line Items]
Number of shares converted (in shares)				4
Number of shares sold (in shares)	17,472	34,928
Pre-tax gains	$ 4,500,000	$ 9,700,000

Leasing (Schedule of Future Minimum Lease Payments) (Details) $ in Thousands	Dec. 31, 2025 USD ($)
Rent commitments
2026	$ 3,440
2027	3,085
2028	2,837
2029	2,676
2030	2,332
Thereafter	36,184
Total undiscounted cash flows	50,555
Less: Amounts representing interest	(17,997)
Present value of future minimum lease payments	$ 32,557
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities

Investment Securities - Schedule of Unrealized Gain (Loss) on Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Debt Securities, Available-for-Sale [Abstract]
Amortized cost	$ 6,419,874	$ 5,794,884
Gross unrealized gains	57,171	7,432
Gross unrealized losses	(104,582)	(198,593)
Fair values	6,372,463	5,603,723
Held to maturity:
Amortized Cost	1,699	3,246
Gross unrealized gains	1	1
Gross unrealized losses	0	(16)
Fair values	1,700	3,231
Allowance for credit losses	(10)	(21)
Fair Value	1,690	3,210
U.S. Treasury securities
Debt Securities, Available-for-Sale [Abstract]
Amortized cost	918,922	1,291,137
Gross unrealized gains	10,561	752
Gross unrealized losses	(1,196)	(22,336)
Fair values	928,287	1,269,553
U.S. government obligations and government-sponsored enterprises
Debt Securities, Available-for-Sale [Abstract]
Amortized cost	132,692	373,869
Gross unrealized gains	177	54
Gross unrealized losses	(413)	(4,635)
Fair values	132,456	369,288
U.S. Agency mortgage-backed securities
Debt Securities, Available-for-Sale [Abstract]
Amortized cost	5,345,130	4,078,956
Gross unrealized gains	46,346	6,535
Gross unrealized losses	(102,899)	(170,739)
Fair values	5,288,577	3,914,752
Held to maturity:
Amortized Cost	21	25
Gross unrealized gains	1	1
Gross unrealized losses	0	0
Fair values	22	26
Allowance for credit losses	0	0
Fair Value	22	26
Obligations of states and political subdivisions
Debt Securities, Available-for-Sale [Abstract]
Amortized cost	16,595	21,274
Gross unrealized gains	87	79
Gross unrealized losses	(38)	(212)
Fair values	16,644	21,141
Held to maturity:
Amortized Cost	1,678	3,221
Gross unrealized gains	0	0
Gross unrealized losses	0	(16)
Fair values	1,678	3,205
Allowance for credit losses	(10)	(21)
Fair Value	1,668	3,184
Other securities
Debt Securities, Available-for-Sale [Abstract]
Amortized cost	6,535	29,648
Gross unrealized gains	0	12
Gross unrealized losses	(36)	(671)
Fair values	6,499	$ 28,989
Held to maturity:
Fair values	$ 0

Cover - USD ($) $ in Billions	12 Months Ended
Cover - USD ($) $ in Billions	Dec. 31, 2025	Mar. 23, 2026
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Current Fiscal Year End Date	--12-31
Document Period End Date	Dec. 31, 2025
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
Local Phone Number	573
City Area Code	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 Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
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
ICFR Auditor Attestation Flag	false
Document Financial Statement Error Correction Flag	false
Entity Shell Company	false
Entity Public Float	$ 2.0
Entity Common Stock, Shares Outstanding		240,293,104
Documents Incorporated by Reference	Portions of the Registrant’s definitive proxy statement for its 2026 annual meeting of shareholders, which will be filed within 120 days of December 31, 2025, are incorporated by reference into Part III of this Annual Report on Form 10-K.
Entity Central Index Key	0002065601
Document Fiscal Year Focus	2025
Document Fiscal Period Focus	FY
Amendment Flag	false

Capital Structure, Share Reclassification, Stock Split Effective in the Form of a Stock Dividend - Additional Information (Details)	Oct. 09, 2025 $ / shares	Dec. 31, 2025 $ / shares shares	Apr. 28, 2025 $ / shares shares	Apr. 27, 2025 $ / shares shares	Dec. 31, 2024 $ / shares shares
Capital Unit [Line Items]
Common stock, shares authorized (in shares)			600,000,000	13,000,000
Common stock, par value (in dollars per share) \| $ / shares	$ 0.01		$ 0.01	$ 1.00
Conversion ratio	50
Common Class A
Capital Unit [Line Items]
Common stock, shares authorized (in shares)		500,000,000	500,000,000		500,000,000
Common stock, par value (in dollars per share) \| $ / shares		$ 0.01			$ 0.01
Common Class B
Capital Unit [Line Items]
Common stock, shares authorized (in shares)		50,000,000	50,000,000		50,000,000
Common stock, par value (in dollars per share) \| $ / shares		$ 0.01			$ 0.01
Common stock converted (in shares)					143,306,750
Common stock, shares outstanding (in shares)		0
Preferred Stock
Capital Unit [Line Items]
Common stock, shares authorized (in shares)			50,000,000

Investment Securities - Schedule of Unrealized Loss on Held-to-Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Fair value
Less than 12 months	$ 450	$ 1,278
12 months or more	0	149
Total	450	1,427
Unrealized losses
Less than 12 months	0	(15)
12 months or more	0	(1)
Total	0	(16)
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	450	1,278
12 months or more	0	149
Total	450	1,427
Unrealized losses
Less than 12 months	0	(15)
12 months or more	0	(1)
Total	$ 0	$ (16)

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Allowance for credit losses	$ 10	$ 21
Fair values	$ 1,700	$ 3,231
Preferred stock, par value (in dollars per share)	$ 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)	77,141,300	77,418,100
Common Class A
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	500,000,000	500,000,000
Common stock, shares issued (in shares)	318,247,550	297,802,850
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

Land, Buildings, and Equipment

12 Months Ended

Dec. 31, 2025

Property, Plant and Equipment [Abstract]

Land, Buildings, and Equipment

A summary of land, buildings, and equipment at December 31, 2025 and 2024 is as follows:


	December 31,
	2025		2024
	(dollars in thousands)
Land	$	58,316	59,321
Buildings and improvements	306,067		294,479
Equipment	67,410		64,649
Right of use assets, net of amortization	31,281		30,187
Total land, buildings and equipment	463,074		448,636
Less accumulated depreciation	247,143		233,320
Total land, buildings and equipment, net	$	215,931	215,316

The following table shows the estimated future depreciation expense based on existing asset balances as of December 31, 2025 (in thousands):


2026	$	14,763
2027	12,515
2028	11,387
2029	10,066
2030	8,840
Thereafter	68,762

Depreciation of buildings charged to operating expense was approximately $8.3 million and $8.4 million in 2025 and 2024, respectively, and is included in net occupancy expense on the consolidated statements of income. Depreciation of equipment charged to operating expense was approximately $7.3 million and $7.4 million in 2025 and 2024, respectively, and is included in equipment expense on the consolidated statements of income.

Stock-Based Compensation - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Deferred Compensation Arrangement with Individual, Share-Based Payments [Line Items]
Amount of cost not yet recognized for nonvested award under share-based payment arrangement	$ 3,500,000
Share-based payment arrangement cost recognition, period one	1,900,000
Share-based payment arrangement cost recognition, period two	1,000,000.0
Share-based payment arrangement cost recognition, period three	400,000
Share-based payment arrangement cost recognition, period four	200,000
Share-based payment arrangement cost recognition, period five	19,100
Restricted Stock
Deferred Compensation Arrangement with Individual, Share-Based Payments [Line Items]
Share-based payment arrangement expense	3,100,000	$ 3,500,000
Fair value of restricted shares vested total	$ 2,000,000.0	$ 1,200,000
Minimum \| Restricted Stock
Deferred Compensation Arrangement with Individual, Share-Based Payments [Line Items]
Stock awards vesting period (in years)	3 years
Maximum \| Restricted Stock
Deferred Compensation Arrangement with Individual, Share-Based Payments [Line Items]
Stock awards vesting period (in years)	5 years
Class A Common Stock
Deferred Compensation Arrangement with Individual, Share-Based Payments [Line Items]
Remaining number of shares available for issuance under the plan	2,500,000

Mortgage Banking Activities - Schedule of Amortization Expense (Details) $ in Thousands	Dec. 31, 2025 USD ($)
Transfers and Servicing [Abstract]
2026	$ 3,845
2027	3,443
2028	3,094
2029	2,765
Thereafter	$ 16,243

Goodwill and Intangible Assets - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Amortization of intangible assets	$ 3.2	$ 3.4

- Definition

The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section 45
-Paragraph 28
-Subparagraph (b)
-SubTopic 10
-Topic 230
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-Topic 220
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Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
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-Name Accounting Standards Codification
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-URI https://asc.fasb.org/1943274/2147476153/220-40-55-11

Reference 4: http://www.xbrl.org/2003/role/exampleRef
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-URI https://asc.fasb.org/1943274/2147476153/220-40-55-24

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
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-Name Accounting Standards Codification
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-Paragraph 12
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-URI https://asc.fasb.org/1943274/2147476148/220-40-50-12

Reference 6: http://www.xbrl.org/2003/role/exampleRef
-Name Accounting Standards Codification
-Section 55
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482640/350-30-55-40

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482665/350-30-50-2

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
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-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482686/350-30-45-2

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476148/220-40-50-6

+ Details

Loans and Allowance for Credit Losses

12 Months Ended

Dec. 31, 2025

Receivables [Abstract]

Loans and Allowance for Credit Losses

Loans consisted of the following at December 31, 2025 and 2024:


	December 31,
	2025		2024
	(dollars in thousands)
Loans held for investment:
Construction and development	$	570,749	$	552,676
Commercial, financial & agricultural	1,761,287		1,874,906
Non-owner-occupied commercial real estate1	3,150,269		3,197,765
Owner-occupied commercial real estate	1,580,260		1,572,955
Commercial real estate	4,730,529		4,770,720
Total commercial loans	7,062,565		7,198,302
Residential mortgage loans2	3,321,101		3,105,760
Home equity lines of credit	410,845		349,011
Consumer credit card	98,310		93,825
Other consumer loans	551,395		903,452
Total residential and consumer loans	4,381,651		4,452,048
Total unpaid principal balance	11,444,216		11,650,350
Add: Unearned income	(9,611)		(26,259)
Total loans held for investment	11,434,605		11,624,091
Loans held for sale	54,119		34,264
Total loans held for investment	$	11,488,724	$	11,658,355
1 Non-owner-occupied commercial real estate loans presentation updated to include multi-family loans
2 Residential mortgage loans presentation updated to include residential construction and development

Accrued interest receivable totaled $45.9 million and $45.9 million at December 31, 2025 and 2024, respectively, and is included within other assets on the consolidated balance sheets.

No loans were acquired by the Company in 2025 or 2024.

Loans made to officers and directors of the Company are summarized below. They were made in the ordinary course of business and otherwise on terms consistent with those available to all customers.


	December 31, 2025
	(dollars in thousands)
Balance of loans to related parties, beginning of year	$	274,803
New loans	57,204
Repayments	(41,031)
Change in relationship	49,035
Balance of loans to related parties, end of year	$	340,010

Mortgage loans held for sale at December 31, 2025 and 2024 totaled approximately $54.1 million and $34.3 million, respectively. The Company determines at the time of origination whether mortgage loans will be held for the Company’s portfolio or sold to the secondary market. Loans originated and intended for sale in the secondary market are recorded using the fair value option. The election of the fair value option aligns the accounting for these loans with the related economic hedges discussed in "Note 16, Fair Value Disclosures," to our consolidated financial statements.

The Company has outstanding commitments to provide loans to customers and also has issued letters of credit. 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 conditional 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. At December 31, 2025 and 2024, the Company had unfunded loan commitments of $3.0 billion and $2.9 billion, respectively. Outstanding letters of credit as of December 31, 2025 and 2024 amounted to $82.8 million and $89.1 million, respectively.

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, Illinois, Iowa, Oklahoma, Colorado, North Carolina, Tennessee, Florida, and Arkansas 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 & 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 December 31, 2025 and 2024 are discussed below.


Key Assumption	December 31, 2025	December 31, 2024
Overall economic forecast	- 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.	- Forecast provided by Oxford Economics - Uncertainty around economic forecasts prior to the change in administration. - Forecasted GDP growth with expectations that imports will be front-loaded ahead of tariffs. - Path of monetary policy is uncertain with anticipation of rate cuts skewing towards fewer.
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 4.1% 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	- Unemployment ranging from 4.2% and 4.3% - GDP growth forecast of 2.6% - Prime rate is 7.5%, with a 25 basis point decline each quarter of the supportable forecast period
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: - 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	Qualitative adjustments for: - Economic uncertainty related to geopolitical risks and upcoming change in administration - Ongoing impact of inflation and increased rate environment on customer ability to repay - 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.


	December 31, 2025
					Commercial real estate				Residential real estate				Consumer				Total
	Construction & development		Commercial, financial, & agricultural		Non-owner occupied commercial real estate		Owner occupied commercial real estate		Residential mortgage loans		Home equity lines of credit		Consumer credit card		All other consumer credit
Allowance for credit losses on loans	(dollars in thousands)
Balance at beginning of year	$	14,119	$	23,915	$	24,815	$	9,940	$	43,471	$	4,505	$	8,299	$	25,215	$	154,279
Provision for credit losses on loans	855		3,396		235		701		5,439		1,097		2,964		(5,231)		9,456
Loans charged off	(14)		(4,749)		(816)		(384)		(731)		(64)		(3,452)		(10,986)		(21,196)
Recoveries on loans previously charged off	23		912		403		3		162		4		995		4,633		7,135
Balance at end of year	$	14,983	$	23,474	$	24,637	$	10,260	$	48,341	$	5,542	$	8,806	$	13,631	$	149,674
Liability for unfunded commitments
Balance at beginning of year	165		161		6		10		7		135		—		—		484
Provision for credit losses on unfunded lending commitments	(61)		(45)		2		(3)		2		(30)		—		—		(135)
Balance at end of year	$	104	$	116	$	8	$	7	$	9	$	105	$	—	$	—	$	349
Allowance for credit losses on loans and liability for unfunded lending commitments	$	15,087	$	23,590	$	24,645	$	10,267	$	48,350	$	5,647	$	8,806	$	13,631	$	150,023


	December 31, 2024
					Commercial real estate				Residential real estate				Consumer				Total
	Construction & development		Commercial, financial, & agricultural		Non-owner occupied commercial real estate		Owner occupied commercial real estate		Residential mortgage loans		Home equity lines of credit		Consumer credit card		All other consumer credit
Allowance for credit losses on loans	(dollars in thousands)
Balance at beginning of year	$	17,571	$	21,180	$	23,464	$	9,626	$	39,214	$	4,885	$	8,071	$	30,798	$	154,809
Provision for credit losses on loans	(2,593)		6,043		3,156		(201)		4,274		(388)		3,437		948		14,676
Loans charged off	(950)		(6,900)		(1,821)		(5)		(355)		(11)		(3,894)		(10,929)		(24,865)
Recoveries on loans previously charged off	91		3,592		16		520		338		19		685		4,398		9,659
Balance at end of year	$	14,119	$	23,915	$	24,815	$	9,940	$	43,471	$	4,505	$	8,299	$	25,215	$	154,279
Liability for unfunded commitments
Balance at beginning of year	139		206		14		8		13		188		—		—		568
Provision for credit losses on unfunded lending commitments	26		(45)		(8)		2		(6)		(53)		—		—		(84)
Balance at end of year	$	165	$	161	$	6	$	10	$	7	$	135	$	—	$	—	$	484
Allowance for credit losses on loans and liability for unfunded lending commitments	$	14,284	$	24,076	$	24,821	$	9,950	$	43,478	$	4,640	$	8,299	$	25,215	$	154,763

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 December 31, 2025 and 2024. Balances in the tables below represent total unpaid principal balances gross of unearned and unamortized loan fees and costs.


	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 loans held for investment	$	11,363,135	$	35,075	$	1,343	$	44,663	$	11,444,216


	December 31, 2024
	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	$	552,127	$	305	$	-	$	244	$	552,676
Commercial, financial & agricultural	1,856,053		15,636		256		2,961		1,874,906
Non-owner-occupied commercial real estate	3,183,234		7,642		-		6,889		3,197,765
Owner-occupied commercial real estate	1,567,254		1,561		-		4,140		1,572,955
Total commercial real estate	4,750,488		9,203		-		11,029		4,770,720
Total commercial loans	7,158,668		25,144		256		14,234		7,198,302
Residential mortgage loans	3,070,437		17,780		2,745		14,798		3,105,760
Home equity lines of credit	346,367		1,458		149		1,037		349,011
Consumer credit card	91,539		1,957		329		-		93,825
Other consumer loans	883,940		13,587		-		5,925		903,452
Total residential and consumer loans	4,392,283		34,782		3,223		21,760		4,452,048
Total loans held for investment	$	11,550,951	$	59,926	$	3,479	$	35,994	$	11,650,350

Nonaccruing loans at December 31, 2025 and 2024 totaled approximately $44.7 million and $36.0 million, respectively. At December 31, 2025 and 2024, the Company had $16.9 million and $11.3 million, respectively, of non-accrual business loans that had no allowance for credit losses because the loans have been charged down to the fair value. The interest income recorded on nonaccrual loans was approximately $1.4 million and $1.2 million in 2025 and 2024, 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 December 31, 2025 and 2024 are as follows:


	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
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
Commercial, financial & agricultural
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 commercial real estate
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 commercial real estate	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 commercial real estate
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 commercial real estate	232,776		135,663		118,511		192,448		242,216		543,897		114,749		1,580,260
Gross write-offs for the year ended December 31, 2025	-		-		-		384		-		-		-		384


	December 31, 2025
	Term loans amortized cost basis by origination year
	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Total
	2025		2024		2023		2022		2021		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
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
Other consumer loans
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 other consumer loans	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	$	1,515,961	$	1,123,961	$	1,669,056	$	1,259,294	$	2,399,669	$	1,248,408	$	11,444,216
Total 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


	December 31, 2024
	Term loans amortized cost basis by origination year
	2024		2023		2022		2021		2020		Prior		Revolving loans amortized cost basis		Total

	(dollars in thousands)
Construction and development
Pass	$	141,672	$	97,331	$	148,049	$	101,162	$	10,934	$	13,752	$	23,394	$	536,294
Watch	248		3,824		11,509		-		-		-		2		15,583
Substandard	-		-		-		-		8		547		-		555
Non-accrual	-		-		141		-		89		14		-		244
Total construction and development	141,920		101,155		159,699		101,162		11,031		14,313		23,397		552,676
Gross write-offs for the year ended December 31, 2024	-		-		950		-		-		-		-		950
Commercial, financial & agricultural
Pass	399,016		252,671		235,271		178,160		90,397		184,191		494,970		1,834,676
Watch	219		877		5,160		9,378		39		210		401		16,285
Substandard	1,137		1,989		4,036		1,035		522		12,110		157		20,986
Non-accrual	48		2,222		275		53		89		122		152		2,961
Total commercial, financial & agricultural	400,419		257,760		244,741		188,626		91,047		196,633		495,680		1,874,906
Gross write-offs for the year ended December 31, 2024	4,930		195		468		455		66		232		554		6,900
Non-owner-occupied commercial real estate
Pass	329,446		270,243		649,423		459,990		319,782		1,005,568		27,534		3,061,986
Watch	-		500		28,246		13,743		11,164		53,734		916		108,303
Substandard	-		-		6,219		585		3,524		10,260		-		20,587
Non-accrual	-		-		-		493		-		6,395		-		6,889
Total non-owner-occupied commercial real estate	329,446		270,743		683,888		474,812		334,469		1,075,957		28,450		3,197,765
Gross write-offs for the year ended December 31, 2024	-		-		-		-		-		1,821		-		1,821
Owner-occupied commercial real estate
Pass	135,833		121,103		212,907		270,841		127,911		552,786		100,158		1,521,540
Watch	638		6,155		5,673		2,854		5,867		4,477		1,390		27,054
Substandard	1,752		229		5,076		464		2,519		8,405		1,777		20,222
Non-accrual	-		329		568		281		688		2,256		18		4,140
Total owner-occupied commercial real estate	138,223		127,817		224,225		274,440		136,984		567,923		103,343		1,572,955
Gross write-offs for the year ended December 31, 2024	-		-		5		-		-		-		-		5
Residential mortgage loans
Accrual	820,205		604,332		639,140		458,728		192,384		342,663		33,509		3,090,961
Non-accrual	1,055		3,633		3,650		2,235		594		3,631		-		14,798
Total residential mortgage loans	821,260		607,965		642,790		460,963		192,979		346,294		33,509		3,105,760
Gross write-offs for the year ended December 31, 2024	-		-		313		-		-		42		-		355
Home equity lines of credit
Accrual	1,176		692		207		-		-		2,929		342,970		347,974
Non-accrual	-		-		-		124		-		-		913		1,037
Total home equity lines of credit	1,176		692		207		124		-		2,929		343,883		349,011
Gross write-offs for the year ended December 31, 2024	-		-		-		-		-		2		9		11


	December 31, 2024
	Term loans amortized cost basis by origination year
	2024		2023		2022		2021		2020		Prior		Revolving loans amortized cost basis		Total
	2024		2023		2022		2021		2020		Prior		Revolving loans amortized cost basis		Total
	(dollars in thousands)
Consumer credit card
Current	-		-		-		-		-		-		91,539		91,539
30-89 days	-		-		-		-		-		-		1,957		1,957
90+ days	-		-		-		-		-		-		329		329
Total consumer credit card	-		-		-		-		-		-		93,825		93,825
Gross write-offs for the year ended December 31, 2024	-		-		-		-		-		-		3,894		3,894
Other consumer loans
Current	328,142		175,298		169,605		91,594		48,299		20,552		50,451		883,941
30-89 days	1,305		3,608		4,220		2,639		1,141		674		-		13,587
90+ days	-		-		-		-		-		-		-		-
Non-accrual	291		1,206		2,055		1,147		651		575		-		5,925
Total other consumer loans	329,739		180,111		175,880		95,380		50,091		21,801		50,451		903,452
Gross write-offs for the year ended December 31, 2024	211		2,935		3,850		2,378		1,079		476		-		10,929
Total loans	$	2,162,183	$	1,546,243	$	2,131,428	$	1,595,506	$	816,602	$	2,225,849	$	1,172,537	$	11,650,350
Total gross write-offs for the year ended December 31, 2024	5,141		3,130		5,586		2,833		1,145		2,573		4,457		24,865

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 December 31, 2025 and 2024, by the expected source of repayment.


	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



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


	December 31, 2024
	Real estate		Business assets		Total
	(dollars in thousands)
Construction and development	$	1,417	$	-	$	1,417
Commercial, financial & agricultural	341		-		341
Non-owner-occupied commercial real estate	7,239		-		7,239
Owner-occupied commercial real estate	3,800		-		3,800
Residential mortgage loans	2,777		47		2,824



Total	$	15,576	$	47	$	15,623

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 of loans that were modified during the years ended December 31, 2025 and 2024.


	December 31, 2025
	Term extension		Payment delay		Interest rate reduction		Interest/fees forgiven		Other		Total		% of Total loan category
	(dollars in thousands)
Construction and development	$	4,176	$	-	$	-	$	-	$	2,107	$	6,283	1.10	%
Commercial, financial, & agricultural	4,903		812		161		-		233		6,109		0.35	%
Non-owner-occupied commercial real estate	16,665		-		-		-		5,663		22,328		0.71	%
Owner-occupied commercial real estate	8,607		1,537		4,606		1,209		-		15,959		1.01	%
Total commercial real estate	25,272		1,537		4,606		1,209		5,663		38,287		0.81	%
Residential mortgage loans	4,429		897		2,687		50		410		8,473		0.26	%
Home equity lines of credit	765		-		-		-		-		765		0.19	%
Total residential real estate	5,194		897		2,687		50		410		9,238		0.25	%
All other consumer	161		-		403		-		-		564		0.09	%
Total	$	39,706	$	3,246	$	7,857	$	1,259	$	8,413	$	60,481	0.53	%


	December 31, 2024
	Term extension		Payment delay		Interest rate reduction		Interest/fees forgiven		Other		Total		% of Total loan category
	(dollars in thousands)
Construction and development	$	2,710	$	-	$	-	$	2,126	$	556	$	5,392	0.62	%
Commercial, financial, & agricultural	3,927		-		-		185		-		4,112		0.22	%
Non-owner-occupied commercial real estate	11,531		2,869		690		5,663		-		18,800		1.03	%
Owner-occupied commercial real estate	6,015		610		-		-		-		6,625		0.42	%
Total commercial real estate	17,547		3,479		690		5,663		-		27,379		0.57	%
Residential mortgage loans	3,167		1,217		1,036		-		-		5,419		0.19	%
Home equity lines of credit	876		-		-		-		-		876		0.25	%
Residential real estate	4,043		1,217		1,036		-		-		6,295		0.20	%
All other consumer	586		317		78		-		-		981		0.11	%
Total	$	28,812	$	5,013	$	1,804	$	7,974	$	556	$	44,159	0.38	%

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 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 December 31, 2025 and 2024.


	December 31, 2025
	Interest/fees forgiveness		Weighted-average months of deferred payments	Weighted-average months of term extensions	Weighted-average interest rate reduction

Construction and development	$	-	-	4	-	%
Commercial, financial, & agricultural	2		4	11	6.00	%
Non-owner-occupied commercial real estate	-		-	14	-	%
Owner-occupied commercial real estate	8		-	9	6.00	%
Residential real estate	3		4	30	6.83	%
Home equity lines of credit	-		-	11	-	%
All other consumer	-		-	-	6.96	%
Total	$	13


	December 31, 2024
	Interest/fees forgiveness		Weighted-average months of deferred payments	Weighted-average months of term extensions	Weighted-average interest rate reduction

Construction and development	$	5	-	11	-	%
Commercial, financial, & agricultural	112		-	9	-	%
Non-owner-occupied commercial real estate	1		12	24	7.00	%
Owner-occupied commercial real estate	-		73	24	-	%
Residential real estate	-		17	17	5.67	%
Home equity lines of credit	-		-	11	-	%
All other consumer	-		3	12	7.24	%
Total	$	118


	December 31, 2025
	Term extension		Payment delay		Interest rate reduction		Interest/fee forgiveness		Other		Total
	(dollars in thousands)
Construction and development	$	118	$	-	$	-	$	-	$	-	$	118
Commercial, financial, & agricultural	1,043		-		115		-		43		1,202
Non-owner-occupied commercial real estate	496		-		-		-		6,069		6,565
Owner-occupied commercial real estate	726		1,122		-		-		-		1,849
Total commercial real estate	1,222		1,122		-		-		6,069		8,414
Residential mortgage loans	1,817		274		578		49		-		2,718
Home equity lines of credit	-		-		-		-		-		-
Total residential real estate	1,817		274		578		49		-		2,718
All other consumer	169		-		145		-		-		314
Total	$	4,369	$	1,396	$	838	$	49	$	6,112	$	12,766


	December 31, 2024
	Term extension		Payment delay		Interest rate reduction		Interest/fee forgiveness		Other		Total
	(dollars in thousands)
Construction and development	$	-	$	-	$	-	$	-	$	-	$	-
Commercial, financial, & agricultural	63		-		17		-		-		80
Non-owner-occupied commercial real estate	3,790		-		-		-		-		3,790
Owner-occupied commercial real estate	820		-		-		-		-		820
Total commercial real estate	4,609		-		-		-		-		4,609
Residential mortgage loans	480		-		77		-		-		558
Home equity lines of credit	-		-		-		-		-		-
Total residential real estate	480		-		77		-		-		559
All other consumer	82		-		127		-		-		209
Total	$	5,235	$	-	$	221	$	-	$	-	$	5,457

The Company had commitments of $0.6 million and $1.0 million at December 31, 2025 and December 31, 2024, respectively, to lend additional funds to borrowers experiencing financial difficulty and for whom the Company has modified the terms of loans.

Parent Company Condensed Financial Statements - Schedule of Condensed Cash Flow Statement (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Cash flows from operating activities:
Net income	$ 390,853	$ 305,810
Adjustments to reconcile net income to net cash provided by operating activities:
(Increase) decrease in other assets	(112,820)	8,312
Net cash provided by operating activities	248,164	363,297
Cash flows from investing activities:
Proceeds from maturities of available-for-sale securities	1,639,896	2,227,755
Net cash (used in) investing activities	(463,743)	(633,908)
Cash flows from financing activities:
Purchase of treasury stock	0	(12,143)
Proceeds from stock issuance, net	403,112	0
Dividends paid	(246,531)	(57,532)
Net cash provided by (used in) financing activities	1,037,914	(172,209)
Net increase (decrease) in cash and cash equivalents	822,335	(442,820)
Cash and cash equivalents at beginning of year	1,241,808	1,684,628
Cash and cash equivalents at end of year	2,064,143	1,241,808
Parent Company
Cash flows from operating activities:
Net income	390,853	305,810
Adjustments to reconcile net income to net cash provided by operating activities:
Earnings of consolidated subsidiaries, net of dividends	(37,091)	(20,968)
(Increase) decrease in other assets	(1,900)	(17,513)
Net cash provided by operating activities	351,862	267,329
Cash flows from investing activities:
Proceeds from maturities of available-for-sale securities	265	4,662
Decrease (increase) in advances to subsidiaries, net	74,110	(74,587)
Other, net	1,541	(6,226)
Net cash (used in) investing activities	75,916	(76,151)
Cash flows from financing activities:
Purchase of treasury stock	0	(12,143)
Issuance of stock under equity compensation plans	(218)	(285)
Proceeds from stock issuance, net	403,112	0
Dividends paid	(246,531)	(57,532)
Other, net	0	942
Net cash provided by (used in) financing activities	156,363	(69,018)
Net increase (decrease) in cash and cash equivalents	584,141	122,160
Cash and cash equivalents at beginning of year	312,447	190,288
Cash and cash equivalents at end of year	$ 896,588	$ 312,447

Employee Benefit Plans - Schedule of Benefit Obligations of the CERP (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Pension Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Projected benefit obligation	$ 112,667	$ 114,900	$ 248,480
Supplemental Employee Retirement Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Projected benefit obligation	14,159	15,216
Cumulative contributions in excess of net periodic benefit cost	$ 17,289	$ 17,862

Capital Adequacy

12 Months Ended

Dec. 31, 2025

Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]

Capital Adequacy

Quantitative measures established by regulation to ensure capital adequacy require banks to maintain minimum amounts and ratios (set forth in the table below on a consolidated basis, amounts in thousands) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets, and of Tier 1 capital to average assets. At December 31, 2025, the Company met all capital requirements to which it is subject, and the Bank’s capital position exceeded the regulatory definition of well-capitalized.

The Basel III minimum required ratios for well-capitalized banks (under prompt corrective action provisions) are 6.5% for Tier 1 common capital, 8.0% for Tier I capital, 10.0% for Total capital and 5.0% for the leverage ratio.

A summary of the Company’s and the Bank’s capital ratios at December 31, 2025 and 2024 is as follows:


	As of December 31, 2025:
	Actual				Minimum capital adequacy requirement				Well-capitalized requirement
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(dollars in thousands)
Total risk-based capital (to risk-weighted assets):
Company	$	3,633,280	29.29	%	$	992,260	8.00	%	$	-	-	%
Central Trust Bank	1,742,888		14.09	%	989,246		8.00	%	1,236,557		10.00	%
Tier 1 capital (to risk-weighted assets):
Company	3,483,247		28.08	%	744,195		6.00	%	-		-	%
Central Trust Bank	1,592,855		12.88	%	741,934		6.00	%	989,246		8.00	%
Tier 1 common equity capital (to risk-weighted assets):
Company	3,483,247		28.08	%	558,146		4.50	%	-		-	%
Central Trust Bank	1,592,855		12.88	%	556,451		4.50	%	803,762		6.50	%
Tier 1 capital (to average assets):
Company	3,483,247		17.94	%	776,720		4.00	%	-		-	%
Central Trust Bank	1,592,855		8.21	%	776,286		4.00	%	970,358		5.00	%


	As of December 31, 2024:
	Actual				Minimum capital adequacy requirement				Well-capitalized requirement
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(dollars in thousands)
Total risk-based capital (to risk-weighted assets):
Company	$	3,083,839	24.88	%	$	991,777	8.00	%	$	-	-	%
Central Trust Bank	1,706,617		13.81	%	1,028,943		8.00	%	1,286,179		10.00	%
Tier 1 capital (to risk-weighted assets):
Company	2,929,055		23.63	%	743,833		6.00	%	-		-	%
Central Trust Bank	1,551,833		12.56	%	771,707		6.00	%	1,028,943		8.00	%
Tier 1 common equity capital (to risk-weighted assets):
Company	2,929,055		23.63	%	557,875		4.50	%	-		-	%
Central Trust Bank	1,551,833		12.56	%	578,781		4.50	%	836,016		6.50	%
Tier 1 capital (to average assets):
Company	2,929,055		15.69	%	746,578		4.00	%	-		-	%
Central Trust Bank	1,551,833		8.33	%	745,433		4.00	%	931,792		5.00	%

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

+ References + Details

Loans and Allowance for Credit Losses - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Receivables [Abstract]
Accrued interest receivable	$ 45,900	$ 45,900
Mortgage loans held-for-sale	54,100	34,300
Unfunded loan commitments	3,000,000	2,900,000
Unfunded letters of credit outstanding	82,800	89,100
Nonaccrual	44,663	35,994
Non-accrual business loans, no allowance	16,900	11,300
Interest income	$ 1,400	1,200
Default period of loans (in days)	90 days
Commitment to lend	$ 600	$ 1,000

Fair Value Disclosures - Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair values	$ 6,372,463	$ 5,603,723
Equity	48,200	48,770
Trading	0	666
Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Loans held for sale	54,119	34,264
Equity	48,200	48,770
Trading		666
Derivatives	7,969	10,312
Total assets	6,482,752	5,697,735
Derivatives	7,021	8,842
Liabilities, Fair Value Disclosure	7,021	8,842
U.S. government obligations and government-sponsored enterprises
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair values	132,456	369,288
U.S. government obligations and government-sponsored enterprises \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair values	6,349,320	5,553,593
Obligations of states and political subdivisions
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair values	16,644	21,141
Obligations of states and political subdivisions \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair values	16,644	21,141
Other \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair values	6,499	28,989
Quoted prices in active markets for identical assets (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	724
Trading		$ 0
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivatives	0	$ 0
Total assets	929,305	1,270,891
Derivatives	0	$ 0
Derivative Liability, Statement of Financial Position [Extensible Enumeration]		Other liabilities
Liabilities, Fair Value Disclosure	0	$ 0
Quoted prices in active markets for identical assets (Level 1) \| U.S. government obligations and government-sponsored enterprises \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair values	928,287	1,269,553
Quoted prices in active markets for identical assets (Level 1) \| Obligations of states and political subdivisions \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair values	0	0
Quoted prices in active markets for identical assets (Level 1) \| Other \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair values	1,018	614
Significant other observable inputs (Level 2) \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Loans held for sale	54,119	34,264
Equity	36,690	36,765
Trading		$ 666
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivatives	7,969	$ 10,312
Total assets	5,541,937	4,415,563
Derivatives	7,021	$ 8,842
Derivative Liability, Statement of Financial Position [Extensible Enumeration]		Other liabilities
Liabilities, Fair Value Disclosure	7,021	$ 8,842
Significant other observable inputs (Level 2) \| U.S. government obligations and government-sponsored enterprises \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair values	5,421,033	4,284,040
Significant other observable inputs (Level 2) \| Obligations of states and political subdivisions \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair values	16,644	21,141
Significant other observable inputs (Level 2) \| Other \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair values	5,481	28,375
Significant unobservable inputs (Level 3) \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Loans held for sale	0	0
Equity	11,510	11,281
Trading		$ 0
Derivative Asset, Statement of Financial Position [Extensible Enumeration]		Other assets
Derivatives	0	$ 0
Total assets	11,510	11,281
Derivatives	0	$ 0
Derivative Liability, Statement of Financial Position [Extensible Enumeration]		Other liabilities
Liabilities, Fair Value Disclosure	0	$ 0
Significant unobservable inputs (Level 3) \| U.S. government obligations and government-sponsored enterprises \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair values	0	0
Significant unobservable inputs (Level 3) \| Obligations of states and political subdivisions \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair values	0	0
Significant unobservable inputs (Level 3) \| Other \| Fair Value, Recurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair values	$ 0	$ 0

Goodwill and Intangible Assets (Tables)

12 Months Ended

Dec. 31, 2025

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Intangible Assets and Goodwill


	December 31,
	2025						2024
	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	$	(18,304)	$	2,194	$	26,052	$	(20,930)	$	5,122
Trust customer intangible asset	6,100		(4,866)		1,233		6,100		(4,569)		1,531
Total amortizable intangible assets	$	26,598	$	(23,170)	$	3,427	$	32,152	$	(25,499)	$	6,653
Goodwill:
Consumer	$	126,095	$	-	$	126,095	$	126,095	$	-	$	126,095
Commercial	210,331		-		210,331		210,331		-		210,331
Wealth Management	11,811		-		11,811		11,811		-		11,811
Total goodwill	$	348,237	$	-	$	348,237	$	348,237	$	-	$	348,237

Schedule of Amortization Expense


2026	$	2,483
2027	280
2028	271
2029	252
2030	141
Total	$	3,427

Investment Securities (Tables)

12 Months Ended

Dec. 31, 2025

Investments, Debt and Equity Securities [Abstract]

Equity Securities without Readily Determinable Fair Value


	December 31,
	2025		2024
Equity securities:	(dollars in thousands)
Common and preferred stock with readily determinable fair value	$	-	$	724
Federal Home Loan Bank stock	10,634		10,708
Federal Reserve Bank stock	26,057		26,057
Other - no readily determinable fair value	11,510		11,281
Total equity securities	$	48,200	$	48,770

Schedule of Unrealized Gain (Loss) on Investments


	As of December 31, 2025
	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair values		Allowance for credit losses		Net carrying amount
Available for sale securities:	(dollars in thousands)
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 available for sale securities	$	6,419,874	$	57,171	$	(104,582)	$	6,372,463	$	-	$	6,372,463
Held to maturity:
U.S. Agency mortgage-backed securities	$	21	$	1	$	-	$	22	$	-	$	22
Obligations of states and political subdivisions	1,678		-		-		1,678		(10)		1,668
Total held to maturity securities	$	1,699	$	1	$	-	$	1,700	$	(10)	$	1,690


	As of December 31, 2024
	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair values		Allowance for credit losses		Net carrying amount
Available for sale securities:	(dollars in thousands)
U.S. Treasury securities	$	1,291,137	$	752	$	(22,336)	$	1,269,553	$	-	$	1,269,553
U.S. Agency debentures	373,869		54		(4,635)		369,288		-		369,288
U.S. Agency mortgage-backed securities	4,078,956		6,535		(170,739)		3,914,752		-		3,914,752
Obligations of states and political subdivisions	21,274		79		(212)		21,141		-		21,141
Other securities	29,648		12		(671)		28,989		-		28,989
Total available for sale securities	$	5,794,884	$	7,432	$	(198,593)	$	5,603,723	$	-	$	5,603,723
Held to maturity:
U.S. Agency mortgage-backed securities	$	25	$	1	$	-	$	26	$	-	$	26
Obligations of states and political subdivisions	3,221		-		(16)		3,205		(21)		3,184
Total held to maturity securities	$	3,246	$	1	$	(16)	$	3,231	$	(21)	$	3,210

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

The amortized cost and fair value of AFS and HTM securities at December 31, 2025, by contractual maturity, are shown below:


	December 31, 2025
	U.S. government obligations and government-sponsored enterprises						Obligations of state and political subdivisions						Other securities*
	Amortized Cost		FTE Yield		Fair Value		Amortized Cost		FTE Yield		Fair Value		Amortized Cost		FTE Yield		Fair Value
Securities available for sale:	(dollars in thousands)
Within 1 year	$	96,253	2.11	%	$	95,243	$	2,759	3.55	%	$	2,757	$	-	-	%	$	-
After 1 but within 5 years	955,361		4.22	%	965,500		13,173		4.54	%	13,232		1,167		7.49	%	1,167
After 5 but within 10 years	-		-	%	-		256		2.74	%	252		-		-	%	-
After 10 years	-		-	%	-		407		7.89	%	403		-		-	%	-
Mortgage– and asset-backed securities	5,345,130		4.04	%	5,288,577		-		-	%	-		5,368		5.07	%	5,332
Total available for sale securities	$	6,396,744	4.04	%	$	6,349,320	$	16,595	4.43	%	$	16,644	$	6,535	5.58	%	$	6,499

Securities held to maturity:
Within 1 year	$	-	-	%	$	-	$	155	3.36	%	$	155	$	-	-	%	$	-
After 1 but within 5 years	-		-	%	-		1,492		2.75	%	1,492		-		-	%	-
After 5 but within 10 years	-		-	%	-		31		6.52	%	31		-		-	%	-
After 10 years	-		-	%	-		-		-	%	-		-		-	%	-
Mortgage– and asset-backed securities	21		6.11	%	22		-		-	%	-		-		-	%	-
Total held to maturity securities	$	21	6.11	%	$	22	$	1,678	2.88	%	$	1,678	$	-	-	%	$	-
* Other securities consist primarily of corporate bonds.

Schedule of Unrealized Loss on Available-for-Sale


	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
Available for sale securities:	(dollars in thousands)
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 available for sale securities	$	419,704	$	(1,190)	$	1,479,874	$	(103,392)	$	1,899,578	$	(104,582)


	As of December 31, 2024
	Less than 12 months				12 months or more				Total
	Fair value		Unrealized losses		Fair value		Unrealized losses		Fair value		Unrealized losses
Available for sale securities:	(dollars in thousands)
U.S. government obligations and government- sponsored enterprises	$	1,468,478	$	(14,293)	$	2,757,421	$	(183,418)	$	4,225,899	$	(197,711)
Obligations of states and political subdivisions	2,239		(16)		9,618		(195)		11,856		(211)
Other securities	717		-		26,691		(671)		27,409		(671)
Total available for sale securities	$	1,471,434	$	(14,309)	$	2,793,730	$	(184,284)	$	4,265,164	$	(198,593)

Schedule of Unrealized Loss on Held-to-Maturity


	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
Held to maturity securities:	(dollars in thousands)
U.S. government obligations and government- sponsored enterprises	$	-	$	-	$	-	$	-	$	-	$	-
Obligations of states and political subdivisions	450		-		-		-		450		-
Total held to maturity securities	$	450	$	-	$	-	$	-	$	450	$	-


	As of December 31, 2024
	Less than 12 months				12 months or more				Total
	Fair value		Unrealized losses		Fair value		Unrealized losses		Fair value		Unrealized losses
Held to maturity securities:	(dollars in thousands)
U.S. government obligations and government- sponsored enterprises	$	-	$	-	$	-	$	-	$	-	$	-
Obligations of states and political subdivisions	1,278		(15)		149		(1)		1,427		(16)
Total held to maturity securities	$	1,278	$	(15)	$	149	$	(1)	$	1,427	$	(16)

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


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

	December 31, 2024
	Amortized Cost Basis by Credit Rating
	Non-Rated		A		AA		AAA		Grand Total
Held to maturity securities:	(dollars in thousands)
State and political subdivisions	$	35	$	40	$	2,996	$	150	$	3,221

- 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
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+ Details

Land, Buildings, and Equipment - Schedule of Land, Buildings and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Property, Plant and Equipment [Line Items]
Right of use assets, net of amortization	$ 31,281	$ 30,187
Total land, buildings and equipment	463,074	448,636
Less accumulated depreciation	247,143	233,320
Total land, buildings and equipment, net	215,931	215,316
Land
Property, Plant and Equipment [Line Items]
Land, buildings, and equipment, gross	58,316	59,321
Buildings and improvements
Property, Plant and Equipment [Line Items]
Land, buildings, and equipment, gross	306,067	294,479
Equipment
Property, Plant and Equipment [Line Items]
Land, buildings, and equipment, gross	$ 67,410	$ 64,649

Parent Company Condensed Financial Statements - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
Investment securities	$ 11,510	$ 11,281
Parent
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
Note receivable due from bank subsidiary	1,000,000
Investment securities	$ 721
Parent \| Minimum
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
Maturity date extension term	3 months
Parent \| Maximum
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
Maturity date extension term	15 months

Loans and Allowance for Credit Losses - Schedule of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	$ 11,444,216	$ 11,650,350
Add: Unearned income	(9,611)	(26,259)
Total	11,434,605	11,624,091
Loans held for sale	54,119	34,264
Total loans held for investment	11,488,724	11,658,355
Total commercial loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	7,062,565	7,198,302
Construction and development
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	570,749	552,676
Commercial, financial & agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	1,761,287	1,874,906
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	4,730,529	4,770,720
Commercial real estate \| Non-owner-occupied commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	3,150,269	3,197,765
Commercial real estate \| Owner-occupied commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	1,580,260	1,572,955
Total residential and consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	4,381,651	4,452,048
Residential real estate \| Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	3,321,101	3,105,760
Residential real estate \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	410,845	349,011
Consumer \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance		349,011
Consumer \| Consumer credit card
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	98,310	93,825
Consumer \| Other consumer loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total unpaid principal balance	$ 551,395	$ 903,452

Parent Company Condensed Financial Statements - Schedule of Condensed Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Assets
Cash and due from bank subsidiary	$ 258,588	$ 265,209
Other assets	357,799	246,038
Total assets	20,751,978	19,242,543
Liabilities and Stockholders' Equity
Other liabilities	81,780	138,739
Stockholders' equity	3,783,977	3,110,661	$ 2,743,798
Total liabilities and stockholders' equity	20,751,978	19,242,543
Parent Company
Assets
Total investment securities	1,874,332	1,727,762
Cash and due from bank subsidiary	896,588	312,447
Investment Securities AFS	721	982
Loans	0	18,720
Note receivable due from bank subsidiary	1,010,000	980,000
Advances to subsidiaries, net of borrowings	1,010	75,120
Other assets	42,741	36,885
Total assets	3,825,392	3,151,916
Liabilities and Stockholders' Equity
Other liabilities	41,415	41,255
Stockholders' equity	3,783,977	3,110,661
Total liabilities and stockholders' equity	$ 3,825,392	$ 3,151,916

Goodwill and Intangible Assets - Schedule of Amortization Expense (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
2026	$ 2,483
2027	280
2028	271
2029	252
2030	141
Net amount	$ 3,427	$ 6,653

Summary of Significant Accounting Policies	12 Months Ended
Summary of Significant Accounting Policies	Dec. 31, 2025
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies Principles of Consolidation and Subsequent Events 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. All intercompany accounts and transactions have been eliminated. Certain prior year amounts have been reclassified to conform to the current year presentation. Such reclassifications had no effect on net income, total assets, or total liabilities. The Company evaluated subsequent events for recognition or disclosure through the date prior to on which the consolidated financial statements were issued. This evaluation is performed by management in coordination with executive management. Use of Estimates The Company follows GAAP and reporting practices applicable to the banking industry. The preparation of the financial statements under GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and notes. These estimates are based on information available to management at the time the estimates are made. While the consolidated financial statements reflect management’s best estimates and judgments, actual results could differ. Significant estimates include, but are not limited to, the allowance for credit losses on loans and investment securities, the valuation of investment securities and mortgage servicing rights, goodwill impairment assessments, and pension obligations. These estimates are based on management’s evaluation of historical experience, current conditions, and reasonable and supportable forecasts. Cash and Cash Equivalents For purposes of the consolidated statements of cash flows, the Company considers cash and due from banks, short-term interest-bearing deposits maturing within 90 days, and federal funds sold and securities purchased under agreements to resell maturing within 90 days to be cash equivalents. Interest-bearing deposits are held at other financial institutions and are not considered cash and cash equivalents. Investment Securities Held-to-maturity securities are those that the Company has the positive intent and ability to hold to maturity. HTM securities are recorded at amortized cost, net of allowance for credit losses. Trading account securities (“Trading”) are bought and held principally for the purpose of selling them in the near term. Equity securities (“Equity”) include common and preferred stock with readily determinable fair value as well as certain equity securities without a readily determinable fair value. All other debt securities held by the Company are classified as available-for-sale. Trading, Equity, and AFS securities are recorded at fair value. For both Trading and Equity securities, gains and losses, both realized and unrealized, are included in earnings. Unrealized gains and losses, net of related tax effect, on AFS securities are excluded from earnings and are reported as a separate component of accumulated other comprehensive income (loss) until realized. Realized gains and losses upon disposition of AFS securities are included in income using the specific-identification method for determining the cost of the securities sold. Purchased premiums and discounts on investment securities are amortized/accreted into interest income using the constant yield method based upon the remaining contractual maturity of the asset, adjusted for any expected prepayments. For certain callable debt securities purchased at a premium, the amortization is recorded to the earliest call date. For mortgage and asset-backed securities, prepayment experience is evaluated monthly to determine if a change in a bond's estimated remaining life is necessary. A corresponding adjustment is then made in the related amortization of premium or discount accretion. Other securities include Federal Reserve and Federal Home Loan Bank stock, which represent equity interests the Company is required to hold in the Federal Reserve Banks and Federal Home Loan Banks. These amounts are 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. Purchases and sales of securities are recognized on a trade date basis. A receivable or payable is recognized for transactions pending settlements. Allowance for Credit Losses on Available-for-Sale Debt Securities For AFS debt securities in an unrealized loss position, the entire loss in fair value is required to be recognized in current earnings if the Company intends to sell the securities or believes it more likely than not that it will be required to sell the security before the anticipated recovery. Any time the Company does not expect to recover the amortized cost basis, a credit loss is deemed to have occurred and an allowance for credit losses is recorded. The allowance for credit losses is limited by the amount that the fair value is less than the amortized cost basis. All securities not issued or guaranteed by the U.S. government, its agencies, or sponsored enterprises are subject to a quarterly review to test for impairment. This process is intended to adequately test a range of credit and loss assumptions and does not rely primarily on credit ratings. Changes in the allowance for credit losses are recorded as a provision for (or reversal of) credit losses on the consolidated statements of income. Losses are charged against the allowance for credit losses on securities when management believes the inability to collect an AFS security is confirmed or when either of the conditions regarding intent or requirement to sell is met. Accrued interest receivable on available for sale debt securities is reported in other assets on the consolidated balance sheet. The Company has elected the practical expedient to exclude the accrued interest from all required disclosures of amortized cost of debt securities. Additionally, an election was made not to measure an allowance for credit losses for accrued interest receivables. Interest accrued but not received is reversed against interest income. Loans Held for Sale Loans held for sale are accounted for at fair value pursuant to the fair value option permitted by ASC 825, Financial Instruments. The Company elected to take the fair value option for loans held for sale permitted by ASC 825, Financial Instruments beginning January 1, 2020. The fair value is based on secondary market prices for loans with similar characteristics, including an adjustment for embedded servicing value. Gains and losses from the changes in fair value are included in mortgage banking revenues. Deferred fees and costs related to these loans are recognized as part of the cost basis of the loan at the time it is sold. Interest income related to loans held for sale is accrued based on the principal amount outstanding and the loan's contractual interest rate. Loans For purposes of these financial statements, the loan portfolio collectively includes all loans and leases the Company holds for investment, hereinafter referred to as “loans.” Loans that the Company intends and has the ability to hold for the foreseeable future or until maturity or payoff are carried at amortized cost. Amortized cost represents the outstanding principal balance of loans, net of any deferred origination fees and related costs. The Company has elected to exclude all accrued interest receivable from the disclosures of amortized cost and has opted not to establish an allowance for credit losses related to accrued interest receivables. Interest on loans is accrued and credited to income based on the principal amount outstanding, using primarily a simple interest calculation. Loan and commitment fees, net of associated costs, are deferred and amortized over the life of the loans, shown as an adjustment to interest income. The Company applies the straight-line method for amortization, which approximates the level yield method. Amortization does not anticipate loan prepayments, and any unamortized fees are recognized in full at the time of payoff. The accrual of interest on loans is discontinued when, (a) in management’s judgment, the interest is uncollectible in the normal course of business; or (b) when they become 90 days or more past due, unless they are well‑secured and in the process of collection. When a loan is placed on non-accrual status, any interest previously accrued but not collected is reversed against current income, and the loan is charged off to the extent uncollectible. Principal and interest payments received on non-accrual loans are generally applied to principal. Interest is included in income only after all previous loan charge-offs have been recovered and is recorded only as received. The loan is returned to accrual status only when the borrower has brought all past-due principal and interest payments current and, in the opinion of management, has demonstrated the ability to make future payments of principal and interest as scheduled. Loan Modifications and Borrower Financial Difficulty The Company may renegotiate the terms of existing loans during the normal course of business. When modifications are made to the terms of an existing loan, the Company assesses whether a borrower is experiencing financial difficulty. This assessment is performed in accordance with ASC 326 and considers both quantitative and qualitative indicators. The Company considers delinquency status, cash flow capacity, collateral performance, and the borrower’s ability to obtain alternative financing at market terms. Loan modifications are subject to established credit approval and oversight processes. Allowance for Credit Losses on Loans The allowance for credit losses on loans is a valuation amount that is deducted from the amortized cost basis of loans not held at fair value to present the net amount expected to be collected over the contractual term of the loans. The allowance reflects management’s best estimate of expected credit losses, considering portfolio segmentation, historical loss experience, current conditions, and reasonable and supportable forecasts. Management applies qualitative adjustments to model outputs when appropriate to address factors not fully captured by the quantitative models. An allowance will be created upon origination or acquisition of a loan and is updated at subsequent reporting dates. The methodology is applied consistently for each reporting period. Changes to the allowance for credit losses on loans resulting from periodic evaluations are recorded through increases or decreases to the credit loss expense for loans, which is recorded in provision for credit losses on the consolidated statements of income. Loans that are deemed to be uncollectible are charged off against the related allowance for credit losses on loans. The allowance for credit losses on loans is measured on a collective (pool) basis. Loans are aggregated into pools based on similar risk characteristics including borrower type, collateral type, and expected credit loss patterns. The Company maintains a policy to reverse accrued and unpaid interest when a loan is placed on non-accrual. Therefore, an allowance is not recorded for accrued interest. Liability for Unfunded Lending Commitments The Company’s accrual for credit risk associated with unfunded lending commitments is maintained at a level that is appropriate to cover estimated losses associated with credit instruments that are not currently recognized as assets such as loan commitments, standby letters of credit or guarantees that are not unconditionally cancellable by the bank. This accrual is included in other liabilities in the consolidated balance sheets with changes to the liability recorded through increases or decreases to the provision for credit losses on the consolidated statements of income. The methodology used to measure credit losses for unfunded lending commitments is the same as the methodology used for loans, however, the estimate of credit risk for unfunded lending commitments takes into consideration the likelihood that funding will occur. The liability for unfunded lending commitments excludes any exposures that are unconditionally cancellable by the Company. Land, Buildings, and Equipment Land, buildings, and equipment are stated at cost less accumulated depreciation. Depreciation is computed on the straight-line or declining balance method depending upon the type of asset. The Company generally assigns depreciable lives of 25-30 years for buildings; 15 years for building improvements; 15 years for land improvements; and 3-7 years for furniture, equipment, and software. Leasehold improvements are assigned depreciable lives of the shorter of the lease term or 15 years. Maintenance and repair costs are charged to expense as incurred. Major improvements are individually considered and are capitalized or expensed as the facts dictate. Goodwill and Other Intangible Assets Goodwill represents the excess of cost over equity in net assets of entities acquired. The Company accounts for goodwill in accordance with ASC 350, Intangibles – Goodwill and Other. Under ASC 350, goodwill and intangible assets that have indefinite useful lives are not amortized but rather tested at least annually for impairment. Intangible assets that have finite useful lives continue to be amortized over 7 to 20 years. The Company performs an annual qualitative evaluation of goodwill. Based on the results of this qualitative assessment, if the Company concludes it is more likely than not that a reporting unit's fair value is less than its carrying amount, a quantitative analysis is performed. If the fair value of a reporting unit is less than the carrying amount, an impairment has occurred and is measured as the amount by which the carrying amount exceeds the reporting unit's fair value. During 2025, the Company completed its annual qualitative impairment assessment and concluded that it was not more likely than not that the fair value of any of its reporting units was below its respective carrying amount. The Company has not recorded impairment resulting from goodwill impairment tests during the years ended December 31, 2025 and 2024. Foreclosed Assets Foreclosed assets represent property that has been repossessed following default on a loan. These assets primarily consist of commercial and residential real estate, as well as other non-real estate property such as automobiles. Upon foreclosure, the assets are initially recognized at fair value, less estimated costs to sell, with any necessary valuation adjustments reflected in the allowance for credit losses. The fair value of foreclosed assets is generally determined based on independent appraisals, third-party price opinions, or internally developed pricing models. These fair value estimates are reviewed and updated periodically to help ensure they accurately reflect market conditions. Subsequent declines in fair value below the carrying amount are recognized through valuation allowances, which may be reversed if future increases in fair value occur. Any adjustments to the carrying value, along with realized gains or losses on the sale of foreclosed assets, as well as net operating expenses related to these assets, are recorded within other expenses. Income Taxes The Company and its subsidiaries file a consolidated federal income tax return. State and local income tax returns are filed on a combined, consolidated, or separate return basis based upon each jurisdiction’s laws and regulations. Deferred tax assets and liabilities are recognized based upon the differences between the values of assets and liabilities as recognized in the financial statements and their related tax basis using enacted tax rates in effect for the year in which the differences are expected to be recovered or settled. The effect of changes in statutory tax rates on the measurement of deferred tax assets and liabilities is recognized through income tax expense in the period the change is enacted. A valuation allowance is provided when it is more likely than not that some portion of the entire deferred tax asset may not be realized. Revenue Recognition Revenue should be recognized to reflect the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. Revenue from financial instruments, including revenue from loans and securities, is not included within this guidance. Noninterest revenue items that are subject to this guidance mainly include fees for bank card, trust, deposit account services, and consumer brokerage services and are discussed below and summarized in the table that follows. Fees for Fiduciary Services Trust and asset management income is primarily comprised of fees earned from the management and administration of trusts, settlement of estates, and other similar duties where Central Trust Company serves in a fiduciary capacity. The Company’s performance obligation is generally satisfied over time and the resulting fees are recognized monthly, based upon the average monthly value of the assets under management and the applicable fee rate or otherwise as negotiated as a fee for service. Other transactional-based services, including but not limited to, tax return preparation and financial planning are available. The performance obligation for these services is generally satisfied, and related revenue recognized, at the completion of the service. Service Charges and Commissions Service charges on deposit accounts consist of account analysis fees (i.e., net fees earned on analyzed business and public checking accounts), monthly service fees, check orders, and other deposit account related fees. The Company's performance obligation for account analysis and monthly service fees is generally satisfied, and the related revenue recognized, when the service is provided and received immediately or in the following month. The Company provides corporate cash management services to its business customers to meet their various transaction processing needs. Such services include deposit and check processing, lockbox, remote deposit, reconciliation, online banking, and other similar transaction processing services. The Company maintains unit prices for each type of service, and the customer is billed based on transaction volumes processed monthly. Overdraft fees are charged to customers when daily checks and other withdrawals to customers’ accounts exceed balances on hand. The daily overdraft charge is calculated and the fee is posted to the customer’s account each day. Other deposit related fees such as check orders, foreign ATM processing fees, stop payment fees, and cashier’s checks are largely transactional based, and therefore, the Company’s performance obligation is satisfied, and related revenue recognized, when the transaction is processed. Payment Services Revenue Payment services revenue includes bankcard transaction fees, exchange, and other service charges that are primarily comprised of debit and credit card income, ATM fees, merchant services income, and other service charges. Debit and credit card income is primarily comprised of interchange fees earned whenever the Company’s debit and credit cards are processed through card payment networks such as MasterCard. The fees earned are established by the settlement network and are dependent on the type of transaction processed but are typically based on a per unit charge. Interchange income is settled daily through the networks. Brokerage Services Brokerage services revenue is comprised of commissions received upon the execution of purchases and sales of mutual fund shares and equity securities, in addition to certain limited insurance products in an agency capacity. Also, fees are earned on managed advisory programs. Payment from the customer is upon settlement for purchases and sales of securities, upon purchase for annuities and insurance products, and upon inception of the service period for advisory programs. Other Non-Interest Income from Contracts with Customers Other non-interest income consists of gains on foreclosed assets, bank premises and equipment, official check fees, international currency commissions, and other miscellaneous consumer product fees. Performance obligations for these services consist mainly of the execution of transactions for the sale of various properties. Fees from these revenue sources are recognized when the performance obligation is completed, at which time cash is received by the Company. Comprehensive Income Comprehensive income is defined as the change in equity (net assets) of a business enterprise during a period from transactions and other events and circumstances from nonowner sources. For the Company, this includes net income, changes in unrealized gains and losses on AFS investment securities, and the net periodic benefit/cost related to the Company’s defined benefit pension plan, net of applicable tax effects. The amounts recognized in accumulated other comprehensive loss related to the defined benefit pension plan are adjusted out of accumulated other comprehensive loss when they are subsequently recognized as components of net periodic benefit cost. Mortgage Banking The fair value of retained mortgage servicing rights related to loans originated and sold is capitalized as an asset in accordance with ASC 860, Accounting for Servicing of Financial Assets, thereby increasing the gain on sale of the loan. Such mortgage servicing rights are amortized in proportion to and over the period of estimated net servicing income, considering appropriate prepayment assumptions. Any remaining unamortized amount is charged to expense if the related loan is repaid prior to maturity. Management monitors the capitalized mortgage servicing rights on a disaggregated basis for impairment based on the fair value of those rights. Any impairment is recognized through a valuation allowance. Derivative Financial Instruments ASC 815, Derivatives and Hedging, establishes accounting and reporting standards for derivative instruments, including certain derivatives embedded in other contracts, and for hedging activities. In accordance with ASC 815, the Company records all derivative instruments at fair value on the consolidated balance sheets. Mortgage Banking Derivatives: The Company’s mortgage banking operations involve the origination of mortgage loans under interest rate lock commitments that are intended for sale into the secondary market. IRLCs represent commitments to originate loans with interest rates determined prior to funding and are accounted for as derivatives. The Company generally does not enter into sales commitments for these loans at the time the IRLC is issued; instead, it commits to sell the loans after funding. To economically hedge the interest rate risk associated with IRLCs and funded loans awaiting sale, the Company enters into free‑standing derivative instruments, primarily commitments to sell TBA mortgage‑backed securities. The value of TBA commitments generally moves inversely with fixed‑rate mortgage loan values, thereby providing an economic offset to changes in interest rates. The Company also sells certain mortgage loans on a mandatory delivery basis and enters into short positions in mortgage‑backed securities to hedge interest rate exposure associated with these transactions. IRLCs and related derivative instruments are recorded at fair value in other assets or other liabilities, with changes in fair value recognized in mortgage banking revenues, net. Customer Repurchase Agreements The Company engages in customer transactions involving the sale of securities under agreements to repurchase as of a specified future date. Such repurchase agreements are considered collateralized financing transactions, not as a sale of the underlying securities. The obligation to repurchase assets sold is reflected as a liability in the consolidated balance sheet of the Company at the amount of cash received in the transaction. The fair value of collateral provided to a counterparty is monitored daily, and collateral is returned or provided by the Company in order to maintain full collateralization for these transactions. Stock Based Compensation The Company’s stock-based compensation plan, as detailed in "Note 11, Stock-Based Compensation,” to our consolidated financial statements is accounted for in accordance with the guidance set forth in ASC 718, Compensation—Stock Compensation. Specifically, the Company adheres to the provisions outlined in ASC 718-10-30-3 and ASC 718-10-35-2, which require the measurement of stock-based compensation based on the fair value of the awards granted at the grant date. The fair value for restricted stock awards (RSAs) is based on the weighted average market price of the Company’s common stock during a specified period that is within 30 days before or 30 days after grant date, as determined by the Board of Directors in its sole discretion. The cost of stock-based compensation is recognized over the requisite service period, which is typically the vesting period, in accordance with the principles of ASC 718. The Company recognizes stock-based compensation expense in the consolidated statements of income within “Salaries and Benefits.” The expense is recognized over the vesting period, with the total expense being adjusted for forfeitures only when they occur, in line with the policy outlined under ASC 718. Forfeitures are accounted for on an actual basis, and no estimated forfeitures are included in the initial measurement of compensation cost. Treasury Stock The Company accounts for treasury stock under the cost method, as outlined in ASC 505-30, Equity—Treasury Stock. Purchases of the Company’s common stock are recorded at cost, which includes all direct costs associated with the acquisition. When treasury stock is reissued, the carrying value of treasury stock is reduced based on the average cost basis of the shares held in treasury. Income Per Share The Company applies the two-class method for the computation of income per share, as prescribed by ASC 260, Earnings Per Share. The two-class method is an earnings allocation formula that determines income per share for common stock and for participating securities, according to dividends declared and participation rights in undistributed earnings. The Company’s nonvested share-based awards vest based on the satisfaction of service conditions and are subject to forfeiture until such conditions are met. These nonvested share-based awards are not considered participating securities for the purpose of calculating income per share and as such do not participate in undistributed earnings. However, dividends or dividend equivalents declared or paid on nonvested share-based awards with forfeitable dividend rights are deducted from the income available to common stockholders. Such amounts reflect dividends that have been allocated to other-than-common stockholders and reduce the amount of income available for distribution to common stockholders. Recent Accounting Pronouncements Income Taxes – In December 2024, the FASB issued ASU 2023-09, Income Taxes (Topic 740) - Improvements to Income Tax Disclosures. This update establishes additional disclosure requirements regarding rate reconciliation and income taxes paid. This update also removes certain existing disclosure requirements. This update is effective for annual periods beginning after December 15, 2024. Early adoption is permitted. The amendments in this update have been applied on a retrospective basis. Other than the inclusion of additional disclosures, the change did not have a significant impact on the Company’s consolidated financial statements. Income Statement Reporting – In November 2024, The FASB issued ASU 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses. The amendments in this update require new disclosures providing further detail of a company's income statement expense items. This update is effective for annual periods beginning after December 15, 2026, and interim periods beginning after December 15, 2027. Early adoption is permitted. The amendments in this update should be applied on a prospective basis. The Company is currently assessing the impact ASU 2024-03 will have on its expense disclosures. Credit Losses – In July 2025, the FASB issued ASU 2025-05, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses for Accounts Receivable and Contract Assets. This update allows entities to use current, static conditions instead of forecasting future economic conditions to determine expected credit losses for accounts receivable assets and contra assets. This update is effective for annual periods beginning after December 15, 2025, including interim periods within those fiscal years. The Company is currently assessing the impact ASU 2025-05 will have on its allowance for credit losses. Intangible Assets – In September 2025, the FASB issued ASU 2025-06, Intangibles – Goodwill and Other – Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software. This update replaces the current timing of capitalization for internal-use software expenditures, which uses the three-stage approach (preliminary, application, post-implementation). The update now allows entities to capitalize costs when management commits to funding and it is probable the project will be completed and perform the intended function (the “probable-to-complete” threshold). This update is effective for annual periods beginning after December 15, 2027, including interim periods within those fiscal years. The Company is currently assessing the impact ASU 2025-06 will have on its income statement. Derivatives and Hedging – In September 2025, the FASB issued ASU 2025-07, Derivatives and Hedging (Topic 815) and Revenue from Contracts with Customers (Topic 606): Derivatives Scope Refinements and Scope Clarification for Share-Based Noncash Consideration from a Customer in a Revenue Contract. This update refines the scope of Topic 815 by adding an exception from derivative accounts for contracts that are not exchange traded and have underlying assets based on operations or activities specific to one of the parties to the contract. It also clarifies that revenue guidance in Topic 606 applies initially to share-based noncash consideration received from a customer for the transfer of goods or services. This update is effective for annual periods beginning after December 15, 2026, including interim periods within those fiscal years. The Company is currently assessing the impact ASU 2025-07 will have on its consolidated financial statements. Purchased Loans – In November 2025, the FASB issued ASU 2025-08, Financial Instruments – Credit Losses (Topic 326): Purchased Loans. This update expands the method used for Purchased Credit Deteriorated (PCD) loans to Purchased Seasoned Loans (PSL), allowing the initial allowance for credit losses to be added to the purchase price, rather than recognized as an immediate expense. This applies to loans that are acquired in a business combination or purchased more than 90 days after origination. This update is effective for annual periods beginning after December 15, 2026, including interim periods within those fiscal years. The Company is currently assessing the impact ASU 2025-08 will have on its allowance for credit losses. Derivatives and Hedging - In November 2025, the FASB issued ASU 2025‑09, Derivatives and Hedging (Topic 815): Hedge Accounting Improvements. This update refines hedge accounting to better align financial reporting with risk‑management activities. Enhancements include expanded eligibility for certain hedging strategies and simplifications to ongoing hedge effectiveness assessments. This update is effective for annual periods beginning after December 15, 2026, including interim periods within those fiscal years. The Company is assessing the impact ASU 2025‑09 will have on its risk‑management accounting strategies. Interim Reporting - In December 2025, the FASB issued ASU 2025‑11, Interim Reporting (Topic 270): Narrow‑Scope Improvements. This update enhances interim disclosure requirements and clarifies the application of certain interim reporting principles. It aims to improve the usefulness and consistency of interim financial information across entities. The update is effective for annual periods beginning after December 15, 2027, including interim periods within those fiscal years. The Company is currently assessing the impact ASU 2025‑11 will have on its interim reporting disclosures.

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, 2023	$ 2,743,798	$ 2,978	$ 10,630	$ 3,085,304	$ (87,522)	$ (267,592)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	305,810			305,810
Other comprehensive income	127,667					127,667
Purchase of treasury stock	(12,143)				(12,143)
Cash dividends paid on common stock	(57,445)			(57,445)
Stock-based compensation	3,458		3,458
Issuance under equity compensation plans, net	(484)		(769)		285
Ending 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	390,853			390,853
Other comprehensive income	123,053					123,053
Purchase of treasury stock	0
Cash dividends paid on common stock	(247,185)			(247,185)
Issuance of common stock, net	403,112	204	402,908
Stock-based compensation	3,117		3,117
Issuance under equity compensation plans, net	366		77	71	218
Ending balance at Dec. 31, 2025	$ 3,783,977	$ 3,182	$ 419,421	$ 3,477,408	$ (99,162)	$ (16,872)

- Definition

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

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Equity impact of the value of new stock issued during the period. Includes shares issued in an initial public offering or a secondary public offering.

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

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-URI https://asc.fasb.org/1943274/2147479168/946-830-55-12

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
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-Name Accounting Standards Codification
-Section S99
-Paragraph 1
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1

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-Name Accounting Standards Codification
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-URI https://asc.fasb.org/1943274/2147479170/946-210-S99-2

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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480418/310-10-S99-2

+ Details

Parent Company Condensed Financial Statements - Schedule of Condensed Income Statement (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Income
Other income	$ 231,694	$ 210,390
Expense
Salaries and employee benefits	298,080	281,087
Management & data processing fees paid to subsidiaries	48,990	47,131
Other expenses	62,044	62,589
Income taxes	115,705	87,910
Net income	390,853	305,810
Parent Company
Income
Dividends received from bank subsidiary	320,000	245,000
Interest income	56,895	62,677
Management fees charged to subsidiaries	0	850
Other income	432	464
Total income	377,327	308,991
Expense
Salaries and employee benefits	9,651	9,181
Management & data processing fees paid to subsidiaries	893	897
Other expenses	2,476	1,621
Total expense	13,020	11,699
Income taxes	10,545	12,450
Income before undistributed earnings of subsidiaries	353,762	284,842
Undistributed earnings (loss) of subsidiaries	37,091	20,968
Net income	$ 390,853	$ 305,810

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

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Statement of Comprehensive Income [Abstract]
Net income	$ 390,853	$ 305,810
Reclassification adjustment for net losses on AFS securities included in net income, net of tax	5,270	39,032
Unrealized gain on AFS securities, net of tax	104,211	70,574
Change in pension surplus, net of tax	13,572	18,061
Other comprehensive income	123,053	127,667
Total comprehensive income	$ 513,906	$ 433,477

- 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

Mortgage Banking Activities - Schedule of Weighted Average Assumptions Used in the Calculation of Fair Value of MSRs (Details)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Transfers and Servicing [Abstract]
Discount rate	9.16%	9.31%
Prepayment speed	7.10%	7.00%
Delinquency rate	0.86%	0.79%

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Assets
Cash and due from banks	$ 258,588	$ 265,209
Short-term earning assets	1,805,555	976,599
Interest-bearing deposits	1,039	699
Investment securities:
Net carrying amount	6,372,463	5,603,723
Amortized cost	1,689	3,225
Equity	48,200	48,770
Trading	0	666
Total investment securities	6,422,352	5,656,384
Loans held for investment	11,434,605	11,624,091
Less allowance for credit losses	(149,674)	(154,279)
Total loans held for investment	11,284,931	11,469,812
Loans held for sale	54,119	34,264
Land, buildings, and equipment, net	215,931	215,316
Deferred tax assets, net	0	23,332
Goodwill and intangibles	351,664	354,890
Other assets	357,799	246,038
Total assets	20,751,978	19,242,543
Deposits:
Noninterest-bearing demand	5,615,652	5,245,705
Savings and interest-bearing demand	8,611,895	8,043,244
Time	1,635,078	1,696,899
Total deposits	15,862,625	14,985,848
Federal funds sold and securities purchased under agreements to resell	1,011,851	1,007,295
Total customer funds	16,874,476	15,993,143
Deferred tax liabilities, net	11,745	0
Other liabilities	81,780	138,739
Total liabilities	16,968,001	16,131,882
Stockholders' equity:
Preferred stock	0	0
Capital surplus	419,421	13,319
Retained earnings	3,477,408	3,333,669
Accumulated other comprehensive (loss)	(16,872)	(139,925)
Stockholders' Equity before Treasury Stock	3,883,139	3,210,041
Treasury Stock, Value	(99,162)	(99,380)
Total stockholders' equity	3,783,977	3,110,661
Total liabilities and stockholders' equity	20,751,978	19,242,543
Common Class A
Stockholders' equity:
Common stock	3,182	2,978
Common Class B
Stockholders' equity:
Common stock	$ 0	$ 0

Business Segment Reporting

12 Months Ended

Dec. 31, 2025

Segment Reporting [Abstract]

Business Segment Reporting

The Company’s reportable segments are determined by its Chief Executive Officer, who is the designated 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 make informed decisions regarding the allocation of resources to the segments, the CODM reviews each segment’s actual revenues, consisting of net interest income plus noninterest income, and net income against budgeted revenues and net income on a regular basis. 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 155 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 accounting policies of the Company’s operating segments are the same as those described in the summary of significant accounting policies in “Note 1, Summary of Significant Accounting Policies," to our consolidated financial statements. The reportable segments include a number of allocations of income and expense from various support and overhead functions within the Company.

Financial results by operating segment, including significant expense categories provided to the CODM, are detailed below:


	For the year ended December 31, 2025
	Consumer		Commercial		Wealth Management		Corp / Other		Total
	(dollars in thousands)
Net interest income	$	315,068	$	436,212	$	(75)	$	38,460	$	789,665
Provision for credit losses¹	4,402		3,754		(4)		1,159		9,311
Net interest income after provision for credit losses	310,666		432,458		(71)		37,301		780,354
Noninterest income¹	111,268		42,869		77,360		197		231,694
Noninterest expense	243,012		159,151		52,168		51,159		505,490
Income before income taxes1	178,922		316,176		25,121		(13,661)		506,558
Income taxes	42,886		73,155		6,049		(6,385)		115,705
Net income1	$	136,036	$	243,021	$	19,072	$	(7,276)	$	390,853

Assets	$	3,498,285	$	8,530,725	$	19,441	$	8,703,527	$	20,751,978
Assets under advice	-		-		15,956,069		-		15,956,069
¹ Consumer includes a $13.6 million loss on the sale of the consumer lease portfolio recognized in other noninterest income and a $5.0 million release of provision. Net of taxes, at a tax rate of 23.84%, the total impact to net income was $6.6 million.


	For the year ended December 31, 2025
	Consumer		Commercial		Wealth Management		Corp / Other		Total
Noninterest income	(dollars in thousands)
Service charges and commissions	$	39,005	$	18,191	$	-	$	435	$	57,631
Payment services revenue	44,629		22,844		-		97		67,570
Brokerage services	(84)		1,346		24,982		2,452		28,696
Fees for fiduciary services	-		-		52,375		(421)		51,954
Mortgage banking revenues	39,571		-		-		-		39,571
Investment securities (losses) gains, net	-		-		-		(6,811)		(6,811)
Other income¹	(11,853)		488		3		4,445		(6,917)
Total noninterest income	$	111,268	$	42,869	$	77,360	$	197	$	231,694
¹ Consumer includes a $13.6 million loss on the sale of the consumer lease portfolio.


	For the year ended December 31, 2025
	Consumer		Commercial		Wealth Management		Corp / Other		Total
Noninterest expense	(dollars in thousands)
Salaries and employee benefits	$	110,983	$	56,642	$	36,907	$	93,548	$	298,080
Net occupancy and equipment	32,917		7,207		2,991		5,875		48,990
Computer software and maintenance	6,182		3,438		1,746		11,190		22,556
Marketing and business development	7,916		2,163		1,385		9,206		20,670
Legal and professional fees	1,545		2,243		871		17,744		22,403
Bankcard processing, rewards and related cost	22,072		9,661		-		(986)		30,747
Other expenses	27,455		3,800		3,584		27,205		62,044
Allocated expenses	33,942		73,997		4,684		(112,623)		-
Total noninterest expense	$	243,012	$	159,151	$	52,168	$	51,159	$	505,490


	For the year ended December 31, 2024
	Consumer		Commercial		Wealth Management		Corp / Other		Total
	(dollars in thousands)
Net interest income	$	276,775	$	403,079	$	(250)	$	7,720	$	687,324
Provision for credit losses	11,640		3,359		2		(414)		14,587
Net interest income after provision for credit losses	265,135		399,720		(252)		8,134		672,737
Noninterest income	124,854		43,334		69,212		(27,010)		210,390
Noninterest expense	242,560		148,737		46,863		51,247		489,407
Income before income taxes	147,429		294,317		22,097		(70,123)		393,720
Income taxes	35,260		67,799		5,306		(20,455)		87,910
Net income	$	112,169	$	226,518	$	16,791	$	(49,668)	$	305,810

Assets	$	3,534,547	$	8,572,871	$	24,728	$	7,110,397	$	19,242,543
Assets under advice	-		-		13,527,632		-		13,527,632


	For the year ended December 31, 2024
	Consumer		Commercial		Wealth Management		Corp / Other		Total
Noninterest income	(dollars in thousands)
Service charges and commissions	$	38,248	$	17,449	$	-	$	440	$	56,137
Payment services revenue	43,358		24,068		-		105		67,531
Brokerage services	(42)		1,251		22,406		2,124		25,739
Fees for fiduciary services	-		-		46,503		(606)		45,897
Mortgage banking revenues	42,080		-		-		-		42,080
Investment securities (losses) gains, net	-		-		-		(36,661)		(36,661)
Other income	1,210		566		303		7,588		9,667
Total noninterest income	$	124,854	$	43,334	$	69,212	$	(27,010)	$	210,390


	For the year ended December 31, 2024
	Consumer		Commercial		Wealth Management		Corp / Other		Total
Noninterest expense	(dollars in thousands)
Salaries and employee benefits	$	104,815	$	50,991	$	32,285	$	92,996	$	281,087
Net occupancy and equipment	31,568		6,439		2,805		6,319		47,131
Computer software and maintenance	6,412		2,975		1,695		9,236		20,318
Marketing and business development	8,050		2,108		1,564		8,268		19,990
Legal and professional fees	840		1,646		1,076		22,728		26,290
Bankcard processing, rewards and related cost	27,360		11,684		-		(7,042)		32,002
Other expenses	29,291		3,783		3,164		26,351		62,589
Allocated expenses	34,224		69,111		4,274		(107,608)		-
Total noninterest expense	$	242,560	$	148,737	$	46,863	$	51,247	$	489,407

- 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

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-21

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Topic 280
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-Name Accounting Standards Codification
-Section 50
-Paragraph 40
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-40

Reference 23: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/280/tableOfContent

Reference 24: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26

Reference 25: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 41
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-41

+ Details

Accumulated Other Comprehensive Loss

12 Months Ended

Dec. 31, 2025

Equity [Abstract]

Accumulated Other Comprehensive Loss

The table below shows the activity and accumulated balances of components of other comprehensive loss.


	Unrealized gains/losses on AFS securities		Pension plan		Total
	(dollars in thousands)
Balance December 31, 2023	$	(255,195)	$	(12,397)	$	(267,592)
Other comprehensive income before reclassifications	92,666		23,714		116,380
Reclassification adjustment for net losses on AFS securities included in net income	51,249		—		51,249
Current period other comprehensive income, before tax	143,915		23,714		167,629
Income tax (expense)	(34,309)		(5,653)		(39,962)
Current period other comprehensive income, net of tax	109,606		18,061		127,667
Balance December 31, 2024	(145,589)		5,664		(139,925)
Other comprehensive income before reclassifications	136,831		17,820		154,651
Reclassification adjustment for net losses on AFS securities included in net income	6,920		—		6,920
Current period other comprehensive income, before tax	143,751		17,820		161,571
Income tax (expense)	(34,270)		(4,248)		(38,518)
Current period other comprehensive income, net of tax	109,481		13,572		123,053
Balance December 31, 2025	$	(36,108)	$	19,236	$	(16,872)

Customer Repurchase Agreements

12 Months Ended

Dec. 31, 2025

Statistical Disclosure for Banks [Abstract]

Customer Repurchase Agreements

The Company’s obligation to repurchase securities sold at December 31, 2025 and 2024 totaled $945.8 million and $906.8 million, respectively. These are short-term borrowings that generally have one day maturities. Information concerning securities sold under agreements to repurchase during the year is as follows:


	December 31,
	2025			2024
	(dollars in thousands)
Average monthly balance during the year	$	888,197		865,928
Maximum month-end balance during the year	946,635			919,153
Average interest rate during the year	2.22		%	2.39	%

Assets and liabilities relating to securities purchased under agreements to resell and securities sold under agreements to repurchase (“customer repurchase agreements”) are presented gross in the consolidated balance sheet and the Company is not party to any offsetting arrangements associated with these agreements. Resale and repurchase agreements to purchase/sell securities are subject to an obligation to resell/repurchase the same or similar securities and are accounted for as collateralized financing transactions, not as sales and purchases of the securities portfolio. The securities collateral accepted or pledged in resale and repurchase agreements with other financial institutions also may be sold or re-pledged by the secured party but is usually delivered to and held by third party trustees.


	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

Parent Company Condensed Financial Statements

12 Months Ended

Dec. 31, 2025

Condensed Financial Information Disclosure [Abstract]

Parent Company Condensed Financial Statements

Following are the condensed financial statements of Central Bancompany, Inc. (Parent only) for December 31, 2025 and December 31, 2024.

CENTRAL BANCOMPANY, INC.

Condensed Balance Sheets

December 31, 2025 and 2024


	December 31,
	2025		2024
	(dollars in thousands)
Assets

Investment in bank subsidiary	$	1,874,332	$	1,727,762
Cash and due from bank subsidiary	896,588		312,447
Investment Securities AFS	721		982
Loans	-		18,720
Note receivable due from bank subsidiary	1,010,000		980,000
Advances to subsidiaries, net of borrowings	1,010		75,120
Other assets	42,741		36,885
Total assets	$	3,825,392	$	3,151,916

Liabilities and Stockholders' Equity
Other liabilities	$	41,415	$	41,255
Stockholders' equity	3,783,977		3,110,661
Total liabilities and stockholders' equity	$	3,825,392	$	3,151,916

CENTRAL BANCOMPANY, INC.

Condensed Statements of Income

Years ended December 31, 2025 and 2024


	December 31,
	2025		2024
	(dollars in thousands)
Income
Dividends received from bank subsidiary	$	320,000	$	245,000
Interest income	56,895		62,677
Management fees charged to subsidiaries	-		850
Other income	432		464
Total income	377,327		308,991
Expense
Salaries and employee benefits	9,651		9,181
Management & data processing fees paid to subsidiaries	893		897
Other expenses	2,476		1,621
Total expense	13,020		11,699
Income taxes	10,545		12,450
Income before undistributed earnings of subsidiaries	353,762		284,842
Undistributed earnings (loss) of subsidiaries	37,091		20,968
Net income	$	390,853	$	305,810

CENTRAL BANCOMPANY, INC.

Condensed Statements of Cash Flows

Years ended December 31, 2025 and 2024


	December 31,
	2025		2024
	(dollars in thousands)

Cash flows from operating activities:
Net income	$	390,853	$	305,810
Adjustments to reconcile net income to net cash provided by operating activities:
Earnings of consolidated subsidiaries, net of dividends	(37,091)		(20,968)
(Increase) in other assets	(1,900)		(17,513)
Net cash provided by operating activities	351,862		267,329
Cash flows from investing activities:
Proceeds from maturities of available-for-sale securities	265		4,662


Decrease (increase) in advances to subsidiaries, net	74,110		(74,587)
Other, net	1,541		(6,226)
Net cash provided by (used in) investing activities	75,916		(76,151)
Cash flows from financing activities:
Purchase of treasury stock	-		(12,143)
Issuance of stock under equity compensation plans	(218)		(285)
Proceeds from issuance of common stock	403,112		-
Dividends paid	(246,531)		(57,532)
Other, net	-		942
Net cash provided by (used in) financing activities	156,363		(69,018)
Net increase in cash and cash equivalents	584,141		122,160
Cash and cash equivalents at beginning of year	312,447		190,288
Cash and cash equivalents at end of year	$	896,588	$	312,447

Dividends paid by the Parent to its shareholders were substantially provided from Bank dividends. The Bank may distribute dividends without prior regulatory approval, provided that the dividends do not exceed the sum of net income for the current year and retained net income for the preceding two years, subject to maintenance of minimum capital requirements.

At December 31, 2025, the Bank has $1.0 billion of borrowings from the Parent as part of its strategy to manage FDIC insurance premiums. The maturity date of this note extends by 3 months every quarter resulting in an extended maturity date that is never less than 15 months from the last extension. The interest rate is a variable rate equal to the current interest rate on excess reserves, adjusted quarterly.

At December 31, 2025, the fair value of the investment securities held by the Parent consisted of investments of $721 thousand in U.S. agency mortgage-backed securities.

Employee Benefit Plans - Schedule of Pension Plans’ Funded Status (Details) - Pension Plan - USD ($) $ in Thousands			12 Months Ended
	Dec. 05, 2024	Aug. 28, 2024	Dec. 31, 2025	Dec. 31, 2024
Change in projected benefit obligation:
Defined Benefit Plan, Benefit Obligation, Beginning Balance			$ 114,900	$ 248,480
Interest cost			6,328	11,623
Plan settlements	$ (16,900)	$ (81,800)	0	(120,303)
Benefits paid			(6,607)	(14,273)
Actuarial (gain)			(1,954)	(10,627)
Defined Benefit Plan, Benefit Obligation, Ending Balance			112,667	$ 114,900
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Interest Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]				Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, after Tax
Change in plan assets:
Fair value of plan assets at beginning of year			148,948	$ 255,854
Actual return on plan assets			22,341	26,307
Employer contributions			1,265	1,363
Plan settlements			0	(120,303)
Benefits paid			(6,607)	(14,273)
Fair value of plan assets at end of year			165,947	148,948
Funded status and net amount recognized			$ 53,280	$ 34,048

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Interest income:
Loans	$ 712,377	$ 708,386
Investment securities	237,258	151,489
Interest-bearing cash and bank deposits	40,313	45,102
Total interest income	989,948	904,977
Interest expense:
Deposits	175,200	190,432
Federal funds purchased and customer repurchase agreements	25,083	27,221
Total interest expense	200,283	217,653
Net interest income	789,665	687,324
Provision for credit losses	9,311	14,587
Net interest income after provision for credit losses	780,354	672,737
Other income:
Mortgage banking revenue	39,571	42,080
Investment securities losses, net	(6,811)	(36,661)
Other (loss) income	(6,917)	9,667
Total other income	231,694	210,390
Other expenses:
Salaries and employee benefits	298,080	281,087
Net occupancy and equipment	48,990	47,131
Computer software and maintenance	22,556	20,318
Marketing and business development	20,670	19,990
Legal and professional fees	22,403	26,290
Bankcard processing, rewards and related cost	30,747	32,002
Other expenses	62,044	62,589
Total other expenses	505,490	489,407
Income before income taxes	506,558	393,720
Income taxes	115,705	87,910
Net income	$ 390,853	$ 305,810
Net income per common share - basic (in dollars per share)	$ 1.75	$ 1.39
Net income per common share - diluted (in dollars per share)	$ 1.75	$ 1.39
Service charges and commissions
Other income:
Other income revenues	$ 57,631	$ 56,137
Service Revenue
Other income:
Other income revenues	67,570	67,531
Brokerage services
Other income:
Other income revenues	28,696	25,739
Fees for fiduciary services
Other income:
Other income revenues	$ 51,954	$ 45,897

Land, Buildings, and Equipment - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Buildings and improvements
Property, Plant and Equipment [Line Items]
Depreciation	$ 8.3	$ 8.4
Equipment
Property, Plant and Equipment [Line Items]
Depreciation	$ 7.3	$ 7.4

Income Taxes - Schedule of Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Amount
Income tax expense at federal statutory rate	$ 106,375	$ 82,681
Tax-exempt interest	(2,517)	(2,165)
Other tax-exempt income	(143)	(134)
Dividend exclusion	(35)	(41)
State income taxes, net of federal income tax and the excluding state credits	12,553	10,103
Nondeductible expenses	1,433	819
Partnership Amortization	3,993	6,189
Tax credits	(5,689)	(9,528)
Changes in unrecognized tax benefits	0	100
Other, net	(265)	(114)
Total income tax expense on operations	$ 115,705	$ 87,910
Percent
Income tax expense at federal statutory rate	21.00%	21.00%
Tax-exempt interest	(0.50%)	(0.60%)
Other tax-exempt income	0.00%	0.00%
Dividend exclusion	0.00%	0.00%
State income taxes, net of federal income tax and the excluding state credits	2.50%	2.60%
Nondeductible expenses	0.30%	0.20%
Partnership Amortization	0.80%	1.60%
Tax credits	(1.10%)	(2.40%)
Changes in unrecognized tax benefits	0.00%	0.00%
Other, net	(0.10%)	0.00%
Total income tax expense	22.80%	22.30%
Low income housing tax credit	$ 4,600	$ 8,800

Summary of Significant Accounting Policies (Policies)	12 Months Ended
Summary of Significant Accounting Policies (Policies)	Dec. 31, 2025
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Use of Estimates	Use of Estimates The Company follows GAAP and reporting practices applicable to the banking industry. The preparation of the financial statements under GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and notes. These estimates are based on information available to management at the time the estimates are made. While the consolidated financial statements reflect management’s best estimates and judgments, actual results could differ. Significant estimates include, but are not limited to, the allowance for credit losses on loans and investment securities, the valuation of investment securities and mortgage servicing rights, goodwill impairment assessments, and pension obligations. These estimates are based on management’s evaluation of historical experience, current conditions, and reasonable and supportable forecasts.
Cash and Cash Equivalents	Cash and Cash Equivalents For purposes of the consolidated statements of cash flows, the Company considers cash and due from banks, short-term interest-bearing deposits maturing within 90 days, and federal funds sold and securities purchased under agreements to resell maturing within 90 days to be cash equivalents. Interest-bearing deposits are held at other financial institutions and are not considered cash and cash equivalents.
Investment Securities	Investment Securities Held-to-maturity securities are those that the Company has the positive intent and ability to hold to maturity. HTM securities are recorded at amortized cost, net of allowance for credit losses. Trading account securities (“Trading”) are bought and held principally for the purpose of selling them in the near term. Equity securities (“Equity”) include common and preferred stock with readily determinable fair value as well as certain equity securities without a readily determinable fair value. All other debt securities held by the Company are classified as available-for-sale. Trading, Equity, and AFS securities are recorded at fair value. For both Trading and Equity securities, gains and losses, both realized and unrealized, are included in earnings. Unrealized gains and losses, net of related tax effect, on AFS securities are excluded from earnings and are reported as a separate component of accumulated other comprehensive income (loss) until realized. Realized gains and losses upon disposition of AFS securities are included in income using the specific-identification method for determining the cost of the securities sold. Purchased premiums and discounts on investment securities are amortized/accreted into interest income using the constant yield method based upon the remaining contractual maturity of the asset, adjusted for any expected prepayments. For certain callable debt securities purchased at a premium, the amortization is recorded to the earliest call date. For mortgage and asset-backed securities, prepayment experience is evaluated monthly to determine if a change in a bond's estimated remaining life is necessary. A corresponding adjustment is then made in the related amortization of premium or discount accretion. Other securities include Federal Reserve and Federal Home Loan Bank stock, which represent equity interests the Company is required to hold in the Federal Reserve Banks and Federal Home Loan Banks. These amounts are 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. Purchases and sales of securities are recognized on a trade date basis. A receivable or payable is recognized for transactions pending settlements.
Allowance for Credit Losses on Available-for-Sale Debt Securities And Allowance for Credit Losses on Loans	Allowance for Credit Losses on Available-for-Sale Debt Securities For AFS debt securities in an unrealized loss position, the entire loss in fair value is required to be recognized in current earnings if the Company intends to sell the securities or believes it more likely than not that it will be required to sell the security before the anticipated recovery. Any time the Company does not expect to recover the amortized cost basis, a credit loss is deemed to have occurred and an allowance for credit losses is recorded. The allowance for credit losses is limited by the amount that the fair value is less than the amortized cost basis. All securities not issued or guaranteed by the U.S. government, its agencies, or sponsored enterprises are subject to a quarterly review to test for impairment. This process is intended to adequately test a range of credit and loss assumptions and does not rely primarily on credit ratings. Changes in the allowance for credit losses are recorded as a provision for (or reversal of) credit losses on the consolidated statements of income. Losses are charged against the allowance for credit losses on securities when management believes the inability to collect an AFS security is confirmed or when either of the conditions regarding intent or requirement to sell is met. Accrued interest receivable on available for sale debt securities is reported in other assets on the consolidated balance sheet. The Company has elected the practical expedient to exclude the accrued interest from all required disclosures of amortized cost of debt securities. Additionally, an election was made not to measure an allowance for credit losses for accrued interest receivables. Interest accrued but not received is reversed against interest income. Allowance for Credit Losses on Loans The allowance for credit losses on loans is a valuation amount that is deducted from the amortized cost basis of loans not held at fair value to present the net amount expected to be collected over the contractual term of the loans. The allowance reflects management’s best estimate of expected credit losses, considering portfolio segmentation, historical loss experience, current conditions, and reasonable and supportable forecasts. Management applies qualitative adjustments to model outputs when appropriate to address factors not fully captured by the quantitative models. An allowance will be created upon origination or acquisition of a loan and is updated at subsequent reporting dates. The methodology is applied consistently for each reporting period. Changes to the allowance for credit losses on loans resulting from periodic evaluations are recorded through increases or decreases to the credit loss expense for loans, which is recorded in provision for credit losses on the consolidated statements of income. Loans that are deemed to be uncollectible are charged off against the related allowance for credit losses on loans. The allowance for credit losses on loans is measured on a collective (pool) basis. Loans are aggregated into pools based on similar risk characteristics including borrower type, collateral type, and expected credit loss patterns. The Company maintains a policy to reverse accrued and unpaid interest when a loan is placed on non-accrual. Therefore, an allowance is not recorded for accrued interest.
Loans Held for Sale	Loans Held for Sale Loans held for sale are accounted for at fair value pursuant to the fair value option permitted by ASC 825, Financial Instruments. The Company elected to take the fair value option for loans held for sale permitted by ASC 825, Financial Instruments beginning January 1, 2020. The fair value is based on secondary market prices for loans with similar characteristics, including an adjustment for embedded servicing value. Gains and losses from the changes in fair value are included in mortgage banking revenues. Deferred fees and costs related to these loans are recognized as part of the cost basis of the loan at the time it is sold. Interest income related to loans held for sale is accrued based on the principal amount outstanding and the loan's contractual interest rate.
Loans	Loans For purposes of these financial statements, the loan portfolio collectively includes all loans and leases the Company holds for investment, hereinafter referred to as “loans.” Loans that the Company intends and has the ability to hold for the foreseeable future or until maturity or payoff are carried at amortized cost. Amortized cost represents the outstanding principal balance of loans, net of any deferred origination fees and related costs. The Company has elected to exclude all accrued interest receivable from the disclosures of amortized cost and has opted not to establish an allowance for credit losses related to accrued interest receivables. Interest on loans is accrued and credited to income based on the principal amount outstanding, using primarily a simple interest calculation. Loan and commitment fees, net of associated costs, are deferred and amortized over the life of the loans, shown as an adjustment to interest income. The Company applies the straight-line method for amortization, which approximates the level yield method. Amortization does not anticipate loan prepayments, and any unamortized fees are recognized in full at the time of payoff. The accrual of interest on loans is discontinued when, (a) in management’s judgment, the interest is uncollectible in the normal course of business; or (b) when they become 90 days or more past due, unless they are well‑secured and in the process of collection. When a loan is placed on non-accrual status, any interest previously accrued but not collected is reversed against current income, and the loan is charged off to the extent uncollectible. Principal and interest payments received on non-accrual loans are generally applied to principal. Interest is included in income only after all previous loan charge-offs have been recovered and is recorded only as received. The loan is returned to accrual status only when the borrower has brought all past-due principal and interest payments current and, in the opinion of management, has demonstrated the ability to make future payments of principal and interest as scheduled. Loan Modifications and Borrower Financial Difficulty The Company may renegotiate the terms of existing loans during the normal course of business. When modifications are made to the terms of an existing loan, the Company assesses whether a borrower is experiencing financial difficulty. This assessment is performed in accordance with ASC 326 and considers both quantitative and qualitative indicators. The Company considers delinquency status, cash flow capacity, collateral performance, and the borrower’s ability to obtain alternative financing at market terms. Loan modifications are subject to established credit approval and oversight processes.
Liability for Unfunded Lending Commitments	Liability for Unfunded Lending Commitments The Company’s accrual for credit risk associated with unfunded lending commitments is maintained at a level that is appropriate to cover estimated losses associated with credit instruments that are not currently recognized as assets such as loan commitments, standby letters of credit or guarantees that are not unconditionally cancellable by the bank. This accrual is included in other liabilities in the consolidated balance sheets with changes to the liability recorded through increases or decreases to the provision for credit losses on the consolidated statements of income. The methodology used to measure credit losses for unfunded lending commitments is the same as the methodology used for loans, however, the estimate of credit risk for unfunded lending commitments takes into consideration the likelihood that funding will occur. The liability for unfunded lending commitments excludes any exposures that are unconditionally cancellable by the Company.
Land, Buildings, and Equipment	Land, Buildings, and Equipment Land, buildings, and equipment are stated at cost less accumulated depreciation. Depreciation is computed on the straight-line or declining balance method depending upon the type of asset. The Company generally assigns depreciable lives of 25-30 years for buildings; 15 years for building improvements; 15 years for land improvements; and 3-7 years for furniture, equipment, and software. Leasehold improvements are assigned depreciable lives of the shorter of the lease term or 15 years. Maintenance and repair costs are charged to expense as incurred. Major improvements are individually considered and are capitalized or expensed as the facts dictate.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets Goodwill represents the excess of cost over equity in net assets of entities acquired. The Company accounts for goodwill in accordance with ASC 350, Intangibles – Goodwill and Other. Under ASC 350, goodwill and intangible assets that have indefinite useful lives are not amortized but rather tested at least annually for impairment. Intangible assets that have finite useful lives continue to be amortized over 7 to 20 years. The Company performs an annual qualitative evaluation of goodwill. Based on the results of this qualitative assessment, if the Company concludes it is more likely than not that a reporting unit's fair value is less than its carrying amount, a quantitative analysis is performed. If the fair value of a reporting unit is less than the carrying amount, an impairment has occurred and is measured as the amount by which the carrying amount exceeds the reporting unit's fair value. During 2025, the Company completed its annual qualitative impairment assessment and concluded that it was not more likely than not that the fair value of any of its reporting units was below its respective carrying amount. The Company has not recorded impairment resulting from goodwill impairment tests during the years ended December 31, 2025 and 2024.
Foreclosed Assets	Foreclosed Assets Foreclosed assets represent property that has been repossessed following default on a loan. These assets primarily consist of commercial and residential real estate, as well as other non-real estate property such as automobiles. Upon foreclosure, the assets are initially recognized at fair value, less estimated costs to sell, with any necessary valuation adjustments reflected in the allowance for credit losses. The fair value of foreclosed assets is generally determined based on independent appraisals, third-party price opinions, or internally developed pricing models. These fair value estimates are reviewed and updated periodically to help ensure they accurately reflect market conditions. Subsequent declines in fair value below the carrying amount are recognized through valuation allowances, which may be reversed if future increases in fair value occur. Any adjustments to the carrying value, along with realized gains or losses on the sale of foreclosed assets, as well as net operating expenses related to these assets, are recorded within other expenses.
Income Taxes	Income Taxes The Company and its subsidiaries file a consolidated federal income tax return. State and local income tax returns are filed on a combined, consolidated, or separate return basis based upon each jurisdiction’s laws and regulations. Deferred tax assets and liabilities are recognized based upon the differences between the values of assets and liabilities as recognized in the financial statements and their related tax basis using enacted tax rates in effect for the year in which the differences are expected to be recovered or settled. The effect of changes in statutory tax rates on the measurement of deferred tax assets and liabilities is recognized through income tax expense in the period the change is enacted. A valuation allowance is provided when it is more likely than not that some portion of the entire deferred tax asset may not be realized.
Revenue Recognition	Revenue Recognition Revenue should be recognized to reflect the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. Revenue from financial instruments, including revenue from loans and securities, is not included within this guidance. Noninterest revenue items that are subject to this guidance mainly include fees for bank card, trust, deposit account services, and consumer brokerage services and are discussed below and summarized in the table that follows. Fees for Fiduciary Services Trust and asset management income is primarily comprised of fees earned from the management and administration of trusts, settlement of estates, and other similar duties where Central Trust Company serves in a fiduciary capacity. The Company’s performance obligation is generally satisfied over time and the resulting fees are recognized monthly, based upon the average monthly value of the assets under management and the applicable fee rate or otherwise as negotiated as a fee for service. Other transactional-based services, including but not limited to, tax return preparation and financial planning are available. The performance obligation for these services is generally satisfied, and related revenue recognized, at the completion of the service. Service Charges and Commissions Service charges on deposit accounts consist of account analysis fees (i.e., net fees earned on analyzed business and public checking accounts), monthly service fees, check orders, and other deposit account related fees. The Company's performance obligation for account analysis and monthly service fees is generally satisfied, and the related revenue recognized, when the service is provided and received immediately or in the following month. The Company provides corporate cash management services to its business customers to meet their various transaction processing needs. Such services include deposit and check processing, lockbox, remote deposit, reconciliation, online banking, and other similar transaction processing services. The Company maintains unit prices for each type of service, and the customer is billed based on transaction volumes processed monthly. Overdraft fees are charged to customers when daily checks and other withdrawals to customers’ accounts exceed balances on hand. The daily overdraft charge is calculated and the fee is posted to the customer’s account each day. Other deposit related fees such as check orders, foreign ATM processing fees, stop payment fees, and cashier’s checks are largely transactional based, and therefore, the Company’s performance obligation is satisfied, and related revenue recognized, when the transaction is processed. Payment Services Revenue Payment services revenue includes bankcard transaction fees, exchange, and other service charges that are primarily comprised of debit and credit card income, ATM fees, merchant services income, and other service charges. Debit and credit card income is primarily comprised of interchange fees earned whenever the Company’s debit and credit cards are processed through card payment networks such as MasterCard. The fees earned are established by the settlement network and are dependent on the type of transaction processed but are typically based on a per unit charge. Interchange income is settled daily through the networks. Brokerage Services Brokerage services revenue is comprised of commissions received upon the execution of purchases and sales of mutual fund shares and equity securities, in addition to certain limited insurance products in an agency capacity. Also, fees are earned on managed advisory programs. Payment from the customer is upon settlement for purchases and sales of securities, upon purchase for annuities and insurance products, and upon inception of the service period for advisory programs. Other Non-Interest Income from Contracts with Customers Other non-interest income consists of gains on foreclosed assets, bank premises and equipment, official check fees, international currency commissions, and other miscellaneous consumer product fees. Performance obligations for these services consist mainly of the execution of transactions for the sale of various properties. Fees from these revenue sources are recognized when the performance obligation is completed, at which time cash is received by the Company.
Comprehensive Income	Comprehensive Income Comprehensive income is defined as the change in equity (net assets) of a business enterprise during a period from transactions and other events and circumstances from nonowner sources. For the Company, this includes net income, changes in unrealized gains and losses on AFS investment securities, and the net periodic benefit/cost related to the Company’s defined benefit pension plan, net of applicable tax effects. The amounts recognized in accumulated other comprehensive loss related to the defined benefit pension plan are adjusted out of accumulated other comprehensive loss when they are subsequently recognized as components of net periodic benefit cost.
Mortgage Banking	Mortgage Banking The fair value of retained mortgage servicing rights related to loans originated and sold is capitalized as an asset in accordance with ASC 860, Accounting for Servicing of Financial Assets, thereby increasing the gain on sale of the loan. Such mortgage servicing rights are amortized in proportion to and over the period of estimated net servicing income, considering appropriate prepayment assumptions. Any remaining unamortized amount is charged to expense if the related loan is repaid prior to maturity. Management monitors the capitalized mortgage servicing rights on a disaggregated basis for impairment based on the fair value of those rights. Any impairment is recognized through a valuation allowance.
Derivative Financial Instruments	Derivative Financial Instruments ASC 815, Derivatives and Hedging, establishes accounting and reporting standards for derivative instruments, including certain derivatives embedded in other contracts, and for hedging activities. In accordance with ASC 815, the Company records all derivative instruments at fair value on the consolidated balance sheets. Mortgage Banking Derivatives: The Company’s mortgage banking operations involve the origination of mortgage loans under interest rate lock commitments that are intended for sale into the secondary market. IRLCs represent commitments to originate loans with interest rates determined prior to funding and are accounted for as derivatives. The Company generally does not enter into sales commitments for these loans at the time the IRLC is issued; instead, it commits to sell the loans after funding. To economically hedge the interest rate risk associated with IRLCs and funded loans awaiting sale, the Company enters into free‑standing derivative instruments, primarily commitments to sell TBA mortgage‑backed securities. The value of TBA commitments generally moves inversely with fixed‑rate mortgage loan values, thereby providing an economic offset to changes in interest rates. The Company also sells certain mortgage loans on a mandatory delivery basis and enters into short positions in mortgage‑backed securities to hedge interest rate exposure associated with these transactions. IRLCs and related derivative instruments are recorded at fair value in other assets or other liabilities, with changes in fair value recognized in mortgage banking revenues, net.
Customer Repurchase Agreements	Customer Repurchase Agreements The Company engages in customer transactions involving the sale of securities under agreements to repurchase as of a specified future date. Such repurchase agreements are considered collateralized financing transactions, not as a sale of the underlying securities. The obligation to repurchase assets sold is reflected as a liability in the consolidated balance sheet of the Company at the amount of cash received in the transaction. The fair value of collateral provided to a counterparty is monitored daily, and collateral is returned or provided by the Company in order to maintain full collateralization for these transactions.
Stock Based Compensation	Stock Based Compensation The Company’s stock-based compensation plan, as detailed in "Note 11, Stock-Based Compensation,” to our consolidated financial statements is accounted for in accordance with the guidance set forth in ASC 718, Compensation—Stock Compensation. Specifically, the Company adheres to the provisions outlined in ASC 718-10-30-3 and ASC 718-10-35-2, which require the measurement of stock-based compensation based on the fair value of the awards granted at the grant date. The fair value for restricted stock awards (RSAs) is based on the weighted average market price of the Company’s common stock during a specified period that is within 30 days before or 30 days after grant date, as determined by the Board of Directors in its sole discretion. The cost of stock-based compensation is recognized over the requisite service period, which is typically the vesting period, in accordance with the principles of ASC 718. The Company recognizes stock-based compensation expense in the consolidated statements of income within “Salaries and Benefits.” The expense is recognized over the vesting period, with the total expense being adjusted for forfeitures only when they occur, in line with the policy outlined under ASC 718. Forfeitures are accounted for on an actual basis, and no estimated forfeitures are included in the initial measurement of compensation cost.
Treasury Stock	Treasury Stock The Company accounts for treasury stock under the cost method, as outlined in ASC 505-30, Equity—Treasury Stock. Purchases of the Company’s common stock are recorded at cost, which includes all direct costs associated with the acquisition. When treasury stock is reissued, the carrying value of treasury stock is reduced based on the average cost basis of the shares held in treasury.
Income Per Share	Income Per Share The Company applies the two-class method for the computation of income per share, as prescribed by ASC 260, Earnings Per Share. The two-class method is an earnings allocation formula that determines income per share for common stock and for participating securities, according to dividends declared and participation rights in undistributed earnings. The Company’s nonvested share-based awards vest based on the satisfaction of service conditions and are subject to forfeiture until such conditions are met. These nonvested share-based awards are not considered participating securities for the purpose of calculating income per share and as such do not participate in undistributed earnings. However, dividends or dividend equivalents declared or paid on nonvested share-based awards with forfeitable dividend rights are deducted from the income available to common stockholders. Such amounts reflect dividends that have been allocated to other-than-common stockholders and reduce the amount of income available for distribution to common stockholders.
Recent Accounting Pronouncements	Recent Accounting Pronouncements Income Taxes – In December 2024, the FASB issued ASU 2023-09, Income Taxes (Topic 740) - Improvements to Income Tax Disclosures. This update establishes additional disclosure requirements regarding rate reconciliation and income taxes paid. This update also removes certain existing disclosure requirements. This update is effective for annual periods beginning after December 15, 2024. Early adoption is permitted. The amendments in this update have been applied on a retrospective basis. Other than the inclusion of additional disclosures, the change did not have a significant impact on the Company’s consolidated financial statements. Income Statement Reporting – In November 2024, The FASB issued ASU 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses. The amendments in this update require new disclosures providing further detail of a company's income statement expense items. This update is effective for annual periods beginning after December 15, 2026, and interim periods beginning after December 15, 2027. Early adoption is permitted. The amendments in this update should be applied on a prospective basis. The Company is currently assessing the impact ASU 2024-03 will have on its expense disclosures. Credit Losses – In July 2025, the FASB issued ASU 2025-05, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses for Accounts Receivable and Contract Assets. This update allows entities to use current, static conditions instead of forecasting future economic conditions to determine expected credit losses for accounts receivable assets and contra assets. This update is effective for annual periods beginning after December 15, 2025, including interim periods within those fiscal years. The Company is currently assessing the impact ASU 2025-05 will have on its allowance for credit losses. Intangible Assets – In September 2025, the FASB issued ASU 2025-06, Intangibles – Goodwill and Other – Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software. This update replaces the current timing of capitalization for internal-use software expenditures, which uses the three-stage approach (preliminary, application, post-implementation). The update now allows entities to capitalize costs when management commits to funding and it is probable the project will be completed and perform the intended function (the “probable-to-complete” threshold). This update is effective for annual periods beginning after December 15, 2027, including interim periods within those fiscal years. The Company is currently assessing the impact ASU 2025-06 will have on its income statement. Derivatives and Hedging – In September 2025, the FASB issued ASU 2025-07, Derivatives and Hedging (Topic 815) and Revenue from Contracts with Customers (Topic 606): Derivatives Scope Refinements and Scope Clarification for Share-Based Noncash Consideration from a Customer in a Revenue Contract. This update refines the scope of Topic 815 by adding an exception from derivative accounts for contracts that are not exchange traded and have underlying assets based on operations or activities specific to one of the parties to the contract. It also clarifies that revenue guidance in Topic 606 applies initially to share-based noncash consideration received from a customer for the transfer of goods or services. This update is effective for annual periods beginning after December 15, 2026, including interim periods within those fiscal years. The Company is currently assessing the impact ASU 2025-07 will have on its consolidated financial statements. Purchased Loans – In November 2025, the FASB issued ASU 2025-08, Financial Instruments – Credit Losses (Topic 326): Purchased Loans. This update expands the method used for Purchased Credit Deteriorated (PCD) loans to Purchased Seasoned Loans (PSL), allowing the initial allowance for credit losses to be added to the purchase price, rather than recognized as an immediate expense. This applies to loans that are acquired in a business combination or purchased more than 90 days after origination. This update is effective for annual periods beginning after December 15, 2026, including interim periods within those fiscal years. The Company is currently assessing the impact ASU 2025-08 will have on its allowance for credit losses. Derivatives and Hedging - In November 2025, the FASB issued ASU 2025‑09, Derivatives and Hedging (Topic 815): Hedge Accounting Improvements. This update refines hedge accounting to better align financial reporting with risk‑management activities. Enhancements include expanded eligibility for certain hedging strategies and simplifications to ongoing hedge effectiveness assessments. This update is effective for annual periods beginning after December 15, 2026, including interim periods within those fiscal years. The Company is assessing the impact ASU 2025‑09 will have on its risk‑management accounting strategies. Interim Reporting - In December 2025, the FASB issued ASU 2025‑11, Interim Reporting (Topic 270): Narrow‑Scope Improvements. This update enhances interim disclosure requirements and clarifies the application of certain interim reporting principles. It aims to improve the usefulness and consistency of interim financial information across entities. The update is effective for annual periods beginning after December 15, 2027, including interim periods within those fiscal years. The Company is currently assessing the impact ASU 2025‑11 will have on its interim reporting disclosures.

Mortgage Banking Activities - Schedule of Components of Mortgage Banking Revenue (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Transfers and Servicing [Abstract]
Gains on sale of mortgage loans	$ 27,121	$ 26,090
Fees on real estate loans sold	1,907	3,279
(Losses) gains on interest rate lock commitments (IRLC) and associated hedging¹	(1,003)	589
Servicing fees	11,546	12,122
Mortgage banking revenue	$ 39,571	$ 42,080

Investment Securities - Schedule of Fair Value of Available for Sale Securities by Contractual Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Securities available for sale:
Fair Value	$ 6,372,463	$ 5,603,723
Securities held to maturity:
Amortized cost	1,689	3,225
Fair Value	1,700	3,231
U.S. government obligations and government- sponsored enterprises
Securities available for sale:
1 year or less, amortized cost	$ 96,253
1 year or less, yield (as percent)	2.11%
Due in one year or less, fair value	$ 95,243
After 1 but within 5 years, amortized cost	$ 955,361
After 1 but within 5 years, yield (as percent)	4.22%
Due after one year to five years, fair value	$ 965,500
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	$ 5,345,130
Indeterminate maturity, yield (as percent)	4.04%
Indeterminate maturity, fair value	$ 5,288,577
FTE Yield	4.04%
Amortized cost	$ 6,396,744
Fair Value	6,349,320
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	$ 21
Indeterminate maturity, yield (as a percent)	6.11%
Indeterminate maturity, fair value	$ 22
Amortized cost	$ 21
FTE Yield	6.11%
Fair Value	$ 22
Obligations of states and political subdivisions
Securities available for sale:
1 year or less, amortized cost	$ 2,759
1 year or less, yield (as percent)	3.55%
Due in one year or less, fair value	$ 2,757
After 1 but within 5 years, amortized cost	$ 13,173
After 1 but within 5 years, yield (as percent)	4.54%
Due after one year to five years, fair value	$ 13,232
After 5 years but within 10 years, amortized cost	$ 256
After 5 years but within 10 years, yield (as percent)	2.74%
Due after five to ten years, fair value	$ 252
After 10 years, amortized cost	$ 407
After 10 years, yield (as percent)	7.89%
Due after ten years, fair value	$ 403
Indeterminate maturity, amortized cost	$ 0
Indeterminate maturity, yield (as percent)	0.00%
Indeterminate maturity, fair value	$ 0
FTE Yield	4.43%
Amortized cost	$ 16,595
Fair Value	16,644	21,141
Securities held to maturity:
1 year or less, amortized cost	$ 155
1 year or less, yield (as percent)	3.36%
Due in one year or less, fair value	$ 155
After 1 but within 5 years, amortized cost	$ 1,492
After 1 but within 5 years, yield (as percent)	2.75%
Due after one year to five years, fair value	$ 1,492
After 5 years but within 10 years, amortized cost	$ 31
After 5 years but within 10 years, yield (as percent)	6.52%
Due after five to ten years, fair value	$ 31
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	$ 1,678	3,221
FTE Yield	2.88%
Fair Value	$ 1,678	3,205
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	$ 1,167
After 1 but within 5 years, yield (as percent)	7.49%
Due after one year to five years, fair value	$ 1,167
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	$ 5,368
Indeterminate maturity, yield (as percent)	5.07%
Indeterminate maturity, fair value	$ 5,332
FTE Yield	5.58%
Amortized cost	$ 6,535
Fair Value	6,499	$ 28,989
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

Earnings Per Share - Schedule of Basic and Diluted Income Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Basic income per share:
Net income attributable to Central Bancompany, Inc.	$ 390,853	$ 305,810
Less: Dividends declared on forfeitable nonvested restricted stock	667	120
Net income allocated to common stock	$ 390,186	$ 305,690
Weighted average common shares outstanding - basic (in shares)	222,352,000	220,589,000
Basic income per common share - basic (in dollars per share)	$ 1.75	$ 1.39
Earnings Per Share, Diluted [Abstract]
Net income attributable to Central Bancompany, Inc.	$ 390,853	$ 305,810
Less: Dividends declared on forfeitable nonvested restricted stock	667	120
Net income allocated to common stock	$ 390,186	$ 305,690
Weighted average common shares outstanding - diluted (in shares)	222,352,000	220,589,000
Diluted income per common share - basic (in dollars per share)	$ 1.75	$ 1.39

Loans and Allowance for Credit Losses - Schedule of Financing Receivable, Modified Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 60,481	$ 44,159
% of Total loan category	0.53%	0.38%
Interest/fees forgiveness	$ 13	$ 118
Term extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	39,706	28,812
Payment delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	3,246	5,013
Interest rate reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	7,857	1,804
Interest/fees forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	1,259	7,974
Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	8,413	556
Construction and development
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 6,283	$ 5,392
% of Total loan category	1.10%	0.62%
Interest/fees forgiveness	$ 0	$ 5
Weighted-average months of term extensions	4 months	11 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	$ 4,176	$ 2,710
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	2,126
Construction and development \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	2,107	556
Commercial, financial & agricultural
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 6,109	$ 4,112
% of Total loan category	0.35%	0.22%
Interest/fees forgiveness	$ 2	$ 112
Weighted-average months of deferred payments	4 months
Weighted-average months of term extensions	11 months	9 months
Weighted-average interest rate reduction	6.00%	0.00%
Commercial, financial & agricultural \| Term extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 4,903	$ 3,927
Commercial, financial & agricultural \| Payment delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	812	0
Commercial, financial & agricultural \| Interest rate reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	161	0
Commercial, financial & agricultural \| Interest/fees forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	185
Commercial, financial & agricultural \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	233	0
Commercial real estate \| Non-owner-occupied commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 22,328	$ 18,800
% of Total loan category	0.71%	1.03%
Interest/fees forgiveness	$ 0	$ 1
Weighted-average months of deferred payments		12 months
Weighted-average months of term extensions	14 months	24 months
Weighted-average interest rate reduction	0.00%	7.00%
Commercial real estate \| Non-owner-occupied commercial real estate \| Term extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 16,665	$ 11,531
Commercial real estate \| Non-owner-occupied commercial real estate \| Payment delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	2,869
Commercial real estate \| Non-owner-occupied commercial real estate \| Interest rate reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	690
Commercial real estate \| Non-owner-occupied commercial real estate \| Interest/fees forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	5,663
Commercial real estate \| Non-owner-occupied commercial real estate \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	5,663	0
Commercial real estate \| Owner-occupied commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 15,959	$ 6,625
% of Total loan category	1.01%	0.42%
Interest/fees forgiveness	$ 8	$ 0
Weighted-average months of deferred payments		73 months
Weighted-average months of term extensions	9 months	24 months
Weighted-average interest rate reduction	6.00%	0.00%
Commercial real estate \| Owner-occupied commercial real estate \| Term extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 8,607	$ 6,015
Commercial real estate \| Owner-occupied commercial real estate \| Payment delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	1,537	610
Commercial real estate \| Owner-occupied commercial real estate \| Interest rate reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	4,606	0
Commercial real estate \| Owner-occupied commercial real estate \| Interest/fees forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	1,209	0
Commercial real estate \| Owner-occupied commercial real estate \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	0
Total commercial loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 38,287	$ 27,379
% of Total loan category	0.81%	0.57%
Total commercial loans \| Term extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 25,272	$ 17,547
Total commercial loans \| Payment delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	1,537	3,479
Total commercial loans \| Interest rate reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	4,606	690
Total commercial loans \| Interest/fees forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	1,209	5,663
Total commercial loans \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	5,663	0
Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 9,238	$ 6,295
% of Total loan category	0.25%	0.20%
Residential real estate \| Term extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 5,194	$ 4,043
Residential real estate \| Payment delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	897	1,217
Residential real estate \| Interest rate reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	2,687	1,036
Residential real estate \| Interest/fees forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	50	0
Residential real estate \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	410	0
Residential real estate \| Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 8,473	$ 5,419
% of Total loan category	0.26%	0.19%
Interest/fees forgiveness	$ 3	$ 0
Weighted-average months of deferred payments	4 months	17 months
Weighted-average months of term extensions	30 months	17 months
Weighted-average interest rate reduction	6.83%	5.67%
Residential real estate \| Residential real estate \| Term extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 4,429	$ 3,167
Residential real estate \| Residential real estate \| Payment delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	897	1,217
Residential real estate \| Residential real estate \| Interest rate reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	2,687	1,036
Residential real estate \| Residential real estate \| Interest/fees forgiven
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	50	0
Residential real estate \| Residential real estate \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	410	0
Residential real estate \| Home equity lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 765	$ 876
% of Total loan category	0.19%	0.25%
Interest/fees forgiveness	$ 0	$ 0
Weighted-average months of term extensions	11 months	11 months
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	$ 765	$ 876
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	$ 564	$ 981
% of Total loan category	0.09%	0.11%
Interest/fees forgiveness	$ 0	$ 0
Weighted-average months of deferred payments		3 months
Weighted-average months of term extensions		12 months
Weighted-average interest rate reduction	6.96%	7.24%
Consumer \| Other consumer loans \| Term extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	$ 161	$ 586
Consumer \| Other consumer loans \| Payment delay
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	0	317
Consumer \| Other consumer loans \| Interest rate reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized cost balance	403	78
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

Leasing (Schedule of Measurement Of Lease Liabilities) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 3,539	$ 3,585
Financing cash flows from finance leases	5	5
Operating lease cash flows - liability reduction	2,902	2,570
ROU assets obtained during the period in exchange for operating lease liabilities	3,938	606
ROU assets obtained during the period in exchange for financing lease liabilities	$ 0	$ 0

Income Taxes - Schedule of Income Taxes Paid by Jurisdiction, Net of Refunds (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Income Tax Paid, by Individual Jurisdiction [Line Items]
Federal	$ 124,250	$ 77,200
Income Taxes Paid, Net Of Adjustments		88,548
Income Taxes Paid, Net	144,380	92,020
Missouri
Income Tax Paid, by Individual Jurisdiction [Line Items]
State	15,629	8,395
Other, net
Income Tax Paid, by Individual Jurisdiction [Line Items]
State	$ 4,501	$ 2,953

Business Segment Reporting - Narrative (Details)	12 Months Ended
Business Segment Reporting - Narrative (Details)	Dec. 31, 2025 segment
Segment Reporting [Abstract]
Number of operating segments	3
Number of reportable segments	3

Employee Benefit Plans - Schedule of Employer Contributions and Benefits Paid (Details) - Pension Plan - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Employer contributions	$ 1,265	$ 1,363
Benefits paid	$ 6,607	$ 14,273

- Definition

Amount of contribution received by defined benefit plan from employer which increases plan assets.

+ References

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+ Details

Employee Benefit Plans - Schedule of Periodic Benefit Cost and Included in Accumulated Other Comprehensive Loss (Details) - Pension Plan - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Accumulated other comprehensive income, pretax	$ 25,255
Cumulative employer contributions in excess of net periodic benefit cost	28,025
Funded status and net amount recognized	$ 53,280	$ 34,048

Earnings Per Share - Schedule of Outstanding Shares (Details) - Common Class A - shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares outstanding at beginning of year	220,385,000	220,956,000
Issuance of stock-based compensation (in shares)	276,000	318,000
Purchases of treasury stock (in shares)	0	(889,000)
Initial public offering (in shares)	20,445,000	0
Shares outstanding at end of year	241,106,000	220,385,000

Earnings Per Share

12 Months Ended

Dec. 31, 2025

Earnings Per Share [Abstract]

Earnings Per Share

The Company, with its two classes of common stock, applies the two-class method of computing income per share. The two-class method requires the calculation of separate income per share amounts for the nonvested share-based awards and for common stock. The income per share attributable to common stock is shown in the following table.

Nonvested share-based awards vest subject to the satisfaction of service conditions and are subject to forfeiture until such service conditions are met. The nonvested share-based awards are not considered securities which participate in undistributed earnings with common stock. However, dividends or dividend equivalents actually declared or paid and charged to retained earnings for unvested awards with forfeitable rights to dividends reduces income available to common shareholders as these amounts reflect dividends that have been allocated to other-than-common-stockholders and reduce the amount available for distribution to the common stockholders.

Basic income per share is based on the weighted average number of common shares outstanding during the year. Diluted income per share gives effect to all dilutive potential common shares that were outstanding during the year. Since the nonvested share-based awards are subject to forfeiture, the shares are excluded from both the basic and diluted income per share computation. Presented below is a summary of the components used to calculate basic and diluted income per common share:


	For the years ended December 31,
	2025		2024
	(dollars in thousands, except per share data)
Basic income per share:
Net income attributable to Central Bancompany, Inc.	$	390,853	$	305,810
Less: Dividends declared on forfeitable nonvested restricted stock	667		120
Net income allocated to common stock	$	390,186	$	305,690
Weighted average common shares outstanding	222,352		220,589
Basic income per common share	$	1.75	$	1.39
Diluted income per common share:
Net income attributable to Central Bancompany, Inc.	$	390,853	$	305,810
Less: Dividends declared on forfeitable nonvested restricted stock	667		120
Net income allocated to common stock	$	390,186	$	305,690
Weighted average diluted common shares outstanding	222,352		220,589
Diluted income per common share:	$	1.75	$	1.39

The Company is permitted, by authorization of the Board of Directors, to repurchase shares of the Company’s common stock. The authorization in June 2023 approved purchases until June 30, 2025, for a purchase price of not more than $25.0 million in aggregate. The Company opted not to purchase all authorized shares, with $12 million unutilized.

The table below shows activity in the outstanding shares of the Company’s common stock during the years ended December 31, 2025 and 2024.


	December 31,
	2025	2024
	(shares in thousands)
Shares outstanding at beginning of year	220,385	220,956
Issuance of stock-based compensation	276	318
Purchases of treasury stock	-	(889)
Initial public offering	20,445	-
Shares outstanding at end of year	241,106	220,385

Fair Value Disclosures - Schedule of Assets Measured at Fair Value on a Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Collateral dependent loans	$ 11,444,216	$ 11,650,350
Fair Value, Nonrecurring
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Collateral dependent loans	20,628	15,376
Mortgage servicing rights	59,997	60,339
Total assets	80,625	75,715
Fair Value, Nonrecurring \| Quoted prices in active markets for identical assets (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 \| Significant other observable inputs (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 \| Significant unobservable inputs (Level 3)
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Collateral dependent loans	20,628	15,376
Mortgage servicing rights	59,997	60,339
Total assets	$ 80,625	$ 75,715

- 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.

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+ Details