0001558370-24-006608 | 10-Q | XBRL Viewer | Crossfirst Bankshares INC

Stockholders' Equity (Tables)

3 Months Ended

Mar. 31, 2024

Schedule of computation of basic and diluted earnings per share


	Three Months Ended March 31,
	2024		2023

	(Dollars in thousands, except per share data)
Earnings per Common Share
Net Income	$	18,223	$	16,108
Less: preferred stock dividends		155		—
Net income available to common stockholders		18,068		16,108
Weighted average common shares		49,510,808		48,635,910
Earnings per common share	$	0.36	$	0.33
Diluted Earnings per Common Share
Net Income	$	18,223	$	16,108
Less: preferred stock dividends		155		—
Net income available to common stockholders		18,068		16,108
Weighted average common shares		49,510,808		48,635,910
Effect of dilutive shares		456,830		407,711
Weighted average dilutive common shares		49,967,638		49,043,621
Diluted earnings per common share	$	0.36	$	0.33
Stock-based awards not included because to do so would be antidilutive		281,666		916,080

Derivatives and Hedging

3 Months Ended

Mar. 31, 2024

Derivatives and Hedging

Derivatives and Hedging

Note 6: Derivatives and Hedging

The Company is exposed to certain risks arising from both its business operations and economic conditions, including interest rate, liquidity, and credit risk. The Company uses derivative financial instruments as part of its risk management activities to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates.

Cash Flow Hedges of Interest Rate Risk

The Company uses interest rate derivatives to add stability to interest income and expense and to manage its exposure to interest rate movements. To accomplish this objective, the Company may utilize interest rate swaps, including forwards, interest rate caps, floors, collars, corridors and swaptions as part of its interest rate risk management strategy. During the first quarter of 2024, the Company utilized interest rate swaps and a collar to hedge the variable cash flows associated with existing variable-rate debt and loan assets. Interest rate swaps designated as cash flow hedges involve the receipt of variable amounts from a counterparty in exchange for the Company making fixed-rate payments over the life of the agreements without exchange of the underlying notional amount. Interest rate collars designated as cash flow hedges involve payments of variable-rate amounts if interest rates rise above the cap strike rate on the contract and the receipt of variable-rate amounts if interest rates fall below the floor strike rate on the contract. During the first quarter of 2024, two cash flow hedges matured and two cash flow hedges were terminated. Derivatives that qualify as cash flow hedges and are designated as such include one instrument with a total notional value of $250 million at March 31, 2024, and five instruments with a total notional value of $340 million at December 31, 2023.

For derivatives that qualify as cash flow hedges of interest rate risk and are designated as such, the gain or loss on the derivative is recorded in Accumulated Other Comprehensive Loss (“AOCI”) and subsequently reclassified into interest income or expense in the same period(s) during which the hedged transaction affects earnings. Amounts reported

in AOCI related to derivatives will be reclassified to interest income and expense as interest payments are received and made on the Company’s variable-rate assets and debt. The Company currently estimates that $3.3 million will be reclassified as a net decrease to net interest income during the next twelve months. These reclassifications are for active hedges, as well as amounts related to five hedged swaps that were terminated in 2022 and the two hedged swaps terminated in the first quarter of 2024, that continue to be recognized based on the original effective dates of the hedged swaps.

The Company is hedging its exposure to the variability in future cash flows for forecasted transactions over a maximum period of 2.8 years.

Non-designated Hedges

Derivatives not designated as hedges are not speculative and result from a service provided to clients. The Company executes interest rate swaps with clients to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously hedged by offsetting derivatives that the Company executes with a third-party, such that the Company minimizes its net risk exposure resulting from such transactions. Interest rate derivatives associated with this program do not meet the strict hedge accounting requirements and changes in the fair value of both the client derivatives and the offsetting derivatives are recognized directly in earnings.

Swap fees earned upon origination and credit valuation adjustments that represent the risk of a counterparty’s default are reported on the consolidated statements of operations as swap fee income, net. The effect of the Company’s derivative financial instruments gain (loss) is reported on the consolidated statements of cash flows within “other assets” and “other liabilities”.

The Company had 46 swaps outstanding with an aggregate notional amount of $323 million and $307 million at March 31, 2024 and December 31, 2023, respectively.

The table below presents the fair value of the Company’s derivative financial instruments and their classification on the consolidated statements of financial condition as of March 31, 2024 and December 31, 2023:


	Asset Derivatives					Liability Derivatives
	Statement of					Statement of
	Financial					Financial
	Condition	March 31,		December 31,		Condition	March 31,		December 31,
	Location	2024		2023		Location	2024		2023

	(Dollars in thousands)
Interest rate products:
Derivatives designated as hedging instruments	Other assets and Interest receivable	$	—	$	101	Interest payable and other liabilities	$	8,083	$	5,992
Derivatives not designated as hedging instruments	Other assets and Interest receivable		9,366		7,830	Interest payable and other liabilities		9,366		7,837
Total		$	9,366	$	7,931		$	17,449	$	13,829

The tables below present the effect of cash flow hedge accounting on AOCI for the three months ended March 31, 2024 and 2023.

March 31, 2024

Location of

Gain or

Gain or (Loss)

(Loss)

Recognized

Gain or

Reclassified

from

Gain or

(Loss)

from

Accumulated

Gain or

(Loss)

Reclassified

Accumulated

Other

(Loss)

Recognized

from

OCI into

Comprehensive

Recognized

in OCI

Accumulated

Earnings

Income into

in OCI on

Included

Excluded

OCI into

Included

Excluded

Earnings

Derivative

Component

Earnings

Component

(Dollars in thousands)

Derivatives in Cash Flow Hedging Relationships

Interest Rate Products

Interest Income

(3,215)

—

(1,124)

—

Interest Rate Products

Interest Expense

—

196

—

Total

(3,205)

—

(928)

—

March 31, 2023

Location of

Gain or

Gain or (Loss)

(Loss)

Recognized

Gain or

Reclassified

from

Gain or

(Loss)

from

Accumulated

Gain or

(Loss)

Reclassified

Accumulated

Other

(Loss)

Recognized

from

OCI into

Comprehensive

Recognized

in OCI

Accumulated

Earnings

Income into

in OCI on

Included

Excluded

OCI into

Included

Excluded

Earnings

Derivative

Component

Earnings

Component

(Dollars in thousands)

Derivatives in Cash Flow Hedging Relationships

Interest Rate Products

Interest Expense

1,540

—

Total

1,540

—

As of March 31, 2024 and December 31, 2023, the Company had minimum collateral thresholds with certain of its derivative counterparties and had pledged collateral of $1.1 million and $1.0 million, respectively, and received collateral of $0.6 million and $1.5 million, respectively.

Securities - Available-for-sale, Net Realized Gain (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Securities
Gross Realized Gains	$ 2	$ 193
Gross Realized Losses		(130)
Net Realized Gain	$ 2	$ 63

Commitments and Credit Risk

3 Months Ended

Mar. 31, 2024

Commitments and Credit Risk

Commitments and Credit Risk

Note 12: Commitments and Credit Risk

The Company had the following commitments at March 31, 2024 and December 31, 2023:


	March 31, 2024		December 31, 2023

	(Dollars in thousands)
Commitments to originate loans	$	97,741	$	59,728
Standby letters of credit		75,672		74,139
Lines of credit		1,897,172		2,008,356
Commitment related to investment fund		3,026		4,206
Total	$	2,073,611	$	2,146,429

Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2024

Regulatory Matters

Schedule of actual capital amounts and ratios


					Required to be Considered				Required to be Considered
	Actual				Well Capitalized				Adequately Capitalized⁽¹⁾
	Amount		Ratio		Amount		Ratio		Amount		Ratio

	(Dollars in thousands)
March 31, 2024
Total Capital to Risk-Weighted Assets
Consolidated	$	825,110	11.4	%		N/A	N/A		$	761,189	10.5	%
Bank		806,893	11.1		$	724,451	10.0	%		760,673	10.5
Tier 1 Capital to Risk-Weighted Assets
Consolidated		745,321	10.3			N/A	N/A			616,201	8.5
Bank		727,104	10.0			579,561	8.0			615,783	8.5
Common Equity Tier 1 to Risk-Weighted Assets
Consolidated		736,438	10.2			N/A	N/A			507,460	7.0
Bank		727,104	10.0			470,893	6.5			507,116	7.0
Tier 1 Capital to Average Assets
Consolidated		745,321	10.1			N/A	N/A			295,231	4.0
Bank	$	727,104	9.9	%	$	369,073	5.0	%	$	295,258	4.0	%
December 31, 2023
Total Capital to Risk-Weighted Assets
Consolidated	$	807,018	11.2	%		N/A	N/A		$	756,285	10.5	%
Bank		800,522	11.1		$	719,705	10.0	%		755,691	10.5
Tier 1 Capital to Risk-Weighted Assets
Consolidated		727,723	10.1			N/A	N/A			612,231	8.5
Bank		721,227	10.0			575,764	8.0			611,750	8.5
Common Equity Tier 1 to Risk-Weighted Assets
Consolidated		718,855	10.0			N/A	N/A			504,190	7.0
Bank		721,227	10.0			467,809	6.5			503,794	7.0
Tier 1 Capital to Average Assets
Consolidated		727,723	10.0			N/A	N/A			292,517	4.0
Bank	$	721,227	9.9	%	$	365,675	5.0	%	$	292,540	4.0	%

(1)	Represents the minimum capital required for capital adequacy under Basel III. Includes capital conservation buffer of 2.5%.

Loans and Allowance for Credit Losses - Narrative (Details) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2024 USD ($) loan item	Mar. 31, 2023 USD ($)	Mar. 31, 2024 USD ($) loan	Dec. 31, 2023 USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Carrying value of loans	$ 24,000		$ 24,000	$ 25,000
Accrued Interest	$ 31,000		$ 31,000	$ 30,000
Financial Asset, Amortized Cost, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Interest Receivable		Interest Receivable	Interest Receivable
Interest income recognized on nonaccrual loans	$ 0	$ 0
Drivers of Quarterly Change in the ACL
ACL increase (decrease)	1,400
Net charge offs	1,500
Decrease in reserve on unfunded commitments	$ 1,200
Loans were restructured TDR guidance \| loan	6		12
Number of contract \| item	0
Outstanding Balance	$ 15,300		$ 15,300
Allowance for credit losses on off-balance sheet exposures	5,213		$ 5,213	$ 6,413
Credit Quality Metrics Including Improved Risk Ratings [Member]
Drivers of Quarterly Change in the ACL
ACL increase (decrease)	$ 2,900

Consolidated Statements of Financial Condition - Unaudited (Parenthetical) - $ / shares	Mar. 31, 2024	Dec. 31, 2023
Stockholders' equity
Preferred stock par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock authorized (in shares)	5,000,000	5,000,000
Preferred stock issued (in shares)	7,750	7,750
Common stock par value (in dollars per share)	$ 0.01	$ 0.01
Common stock authorized (in shares)	200,000,000	200,000,000
Common stock issued (in shares)	53,503,391	53,326,641
Treasure stock held (in shares)	4,102,925	3,990,753

Goodwill and Core Deposit Intangible (Tables)

3 Months Ended

Mar. 31, 2024

Goodwill and Core Deposit Intangible

Schedule of change in goodwill and core deposit intangible


	Gross Carrying		Accumulated		Net Carrying
	Amount		Amortization		Amount

	(Dollars in thousands)
March 31, 2024
Goodwill	$	14,135	$	—	$	14,135
Core deposit intangible		21,938		5,669		16,269
Total goodwill and intangible assets	$	36,073	$	5,669	$	30,404
December 31, 2023
Goodwill	$	14,135	$	—	$	14,135
Core deposit intangible		21,938		4,738		17,200
Total goodwill and intangible assets	$	36,073	$	4,738	$	31,335

Schedule of core deposit intangible future amortization expense


(Dollars in thousands)
For the nine months ending December 31, 2024	$	2,638
For the year ending December 31, 2025		3,155
For the year ending December 31, 2026		2,739
For the year ending December 31, 2027		2,325
For the year ending December 31, 2028		1,909

Leases

3 Months Ended

Mar. 31, 2024

Leases

Leases

Note 4: Leases

The Company’s leases primarily include bank branches located in Kansas City, Missouri; Tulsa, Oklahoma; Dallas, Texas; Frisco, Texas; Fort Worth, Texas; Phoenix, Arizona; Denver, Colorado; and Colorado Springs, Colorado. The remaining lease terms on these branch leases range from less than two years to 18 years with certain options to renew. Renewal terms can extend the lease term between five years and 20 years. The exercise of lease renewal options is at the Company’s sole discretion. When it is reasonably certain that the Company will exercise its option to renew or extend the lease term, that option is included in the estimated value of the right of use (“ROU”) asset and lease liability. The Company’s lease agreements do not contain any material residual value guarantees or material restrictive covenants.

As of March 31, 2024, the Company recognized one finance lease and the remaining Company leases were classified as operating leases.

The ROU asset is included in “Other assets” on the consolidated statements of financial condition, and was $29 million and $30 million at March 31, 2024 and December 31, 2023, respectively. Certain adjustments to the ROU asset may be required for items such as initial direct costs paid or incentives received. The lease liability is located in “Interest payable and other liabilities” on the consolidated statements of financial condition and was $33 million and $34 million at March 31, 2024 and December 31, 2023, respectively.

As of March 31, 2024, the remaining weighted-average lease term was 10.5 years, and the weighted-average discount rate was 2.77% utilizing the Company’s incremental Federal Home Loan Bank (“FHLB”) borrowing rate for borrowings of a similar term at the date of lease commencement.

The following table presents components of operating lease expense in the accompanying consolidated statements of operations for the three-month periods ended March 31, 2024 and 2023:


	Three Months Ended March 31,
	2024		2023

	(Dollars in thousands)
Finance lease amortization of right-of-use asset	$	73	$	70
Finance lease interest on lease liability		66		69
Operating lease expense		862		732
Variable lease expense		339		393
Short-term lease expense		6		5
Total lease expense	$	1,346	$	1,269

Future minimum commitments under operating and finance leases as of March 31, 2024 were as follows:


	Operating Leases		Finance Leases

	(Dollars in thousands)
2024	$	2,815	$	367
2025		3,806		490
2026		3,852		490
2027		3,847		528
2028		3,427		540
Thereafter		10,750		7,705
Total lease payments		28,497		10,120
Less: imputed interest		2,775		2,776
Total	$	25,722	$	7,344

Supplemental cash flow information

Operating cash flows paid for operating leases included in the measurement of lease liabilities were $1.0 million and $0.9 million, respectively, for the three months ended March 31, 2024 and 2023. Operating cash flows paid for finance lease amounts included in the measurement of lease liabilities were $0.1 million for the three months ended March 31, 2024 and 2023. During the three months ended March 31, 2024, the Company did not record any ROU assets that were exchanged for operating lease liabilities.

Disclosure about Fair Value of Financial Instruments - Fair Value Measurement of Assets on a Nonrecurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	$ 2,288	$ 10,570
Foreclosed assets held-for-sale	5,374
Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	2,288	10,570
Foreclosed assets held-for-sale	5,374
Fair Value, Nonrecurring \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	2,288	$ 10,570
Foreclosed assets held-for-sale	$ 5,374

Securities (Tables)

3 Months Ended

Mar. 31, 2024

Securities

Schedule of Available-for-sale Securities


	March 31, 2024
			Gross		Gross
			Unrealized		Unrealized		Approximate
	Amortized Cost		Gains		Losses		Fair Value

	(Dollars in thousands)
Federal agency obligations	$	9,989	$	42	$	—	$	10,031
Mortgage-backed - GSE residential		251,994		280		23,614		228,660
Collateralized mortgage obligations - GSE residential		71,105		301		1,138		70,268
State and political subdivisions		394,166		297		46,680		347,783
Small Business Administration loan pools		123,224		325		2,256		121,293
Corporate bonds		9,731		—		1,163		8,568
Total available-for-sale securities	$	860,209	$	1,245	$	74,851	$	786,603


	December 31, 2023
			Gross		Gross
			Unrealized		Unrealized		Approximate
	Amortized Cost		Gains		Losses		Fair Value

	(Dollars in thousands)
Federal agency obligations	$	9,988	$	84	$	—	$	10,072
U.S. Treasury securities		4,965		3		—		4,968
Mortgage-backed - GSE residential		233,203		629		21,370		212,462
Collateralized mortgage obligations - GSE residential		50,125		493		674		49,944
State and political subdivisions		396,349		497		40,949		355,897
Small Business Administration loan pools		125,017		722		961		124,778
Corporate bonds		9,740		—		1,208		8,532
Total available-for-sale securities	$	829,387	$	2,428	$	65,162	$	766,653

Schedule of Gross Realized Gains and Losses from Sales or Maturities of AFS Securities


	For the Three Months Ended
	March 31, 2024
	Gross Realized Gains		Gross Realized Losses		Net Realized Gain

	(Dollars in thousands)
Available-for-sale securities	$	2	$	—	$	2


	For the Three Months Ended
	March 31, 2023
	Gross Realized Gains		Gross Realized Losses		Net Realized Gain

	(Dollars in thousands)
Available-for-sale securities	$	193	$	(130)	$	63

Schedule of Available-for-sale Securities Continuous Unrealized Loss Position


	March 31, 2024
	Less than 12 Months					12 Months or More					Total
	Fair		Unrealized		Number of	Fair		Unrealized		Number of	Fair		Unrealized		Number of
	Value		Losses		Securities	Value		Losses		Securities	Value		Losses		Securities

	(Dollars in thousands)
Available-for-Sale Securities
Federal agency obligations	$	—	$	—	—	$	—	$	—	—	$	—	$	—	—
Mortgage-backed - GSE residential		35,935		345	12		132,348		23,269	51		168,283		23,614	63
Collateralized mortgage obligations - GSE residential		47,106		610	9		7,863		528	17		54,969		1,138	26
State and political subdivisions		28,063		282	20		300,783		46,398	203		328,846		46,680	223
Small Business Administration loan pools		110,885		2,254	14		83		2	4		110,968		2,256	18
Corporate bonds		—		—	—		8,568		1,163	5		8,568		1,163	5
Total temporarily impaired AFS securities	$	221,989	$	3,491	55	$	449,645	$	71,360	280	$	671,634	$	74,851	335


	December 31, 2023
	Less than 12 Months					12 Months or More					Total
	Fair		Unrealized		Number of	Fair		Unrealized		Number of	Fair		Unrealized		Number of
	Value		Losses		Securities	Value		Losses		Securities	Value		Losses		Securities

	(Dollars in thousands)
Available-for-Sale Securities
Federal agency obligations	$	—	$	—	—	$	—	$	—	—	$	—	$	—	—
U.S. Treasury securities		—		—	—		—		—	—		—		—	—
Mortgage-backed - GSE residential		21,523		56	5		137,626		21,314	52		159,149		21,370	57
Collateralized mortgage obligations - GSE residential		17,707		135	4		8,469		539	17		26,176		674	21
State and political subdivisions		33,577		207	20		287,128		40,742	190		320,705		40,949	210
Small Business Administration loan pools		76,380		959	11		91		2	4		76,471		961	15
Corporate bonds		—		—	—		8,532		1,208	5		8,532		1,208	5
Total temporarily impaired AFS securities	$	149,187	$	1,357	40	$	441,846	$	63,805	268	$	591,033	$	65,162	308

Summary of Available-for-sale Securities by Contractual Maturity


	March 31, 2024
	Within			After One to			After Five to			After
	One Year			Five Years			Ten Years			Ten Years			Total

	(Dollars in thousands)
Available-for-sale securities
Federal agency obligations⁽¹⁾
Amortized cost	$	—		$	—		$	—		$	9,989		$	9,989
Estimated fair value	$	—		$	—		$	—		$	10,031		$	10,031
Weighted average yield⁽²⁾		—	%		—	%		—	%		6.38	%		6.38	%
Mortgage-backed - GSE residential⁽¹⁾
Amortized cost	$	—		$	—		$	852		$	251,142		$	251,994
Estimated fair value	$	—		$	—		$	778		$	227,882		$	228,660
Weighted average yield⁽²⁾		—	%		—	%		2.24	%		3.39	%		3.39	%
Collateralized mortgage obligations - GSE residential⁽¹⁾
Amortized cost	$	—		$	2,190		$	—		$	68,915		$	71,105
Estimated fair value	$	—		$	2,093		$	—		$	68,175		$	70,268
Weighted average yield⁽²⁾		—	%		2.78	%		—	%		5.44	%		5.36	%
State and political subdivisions⁽¹⁾
Amortized cost	$	519		$	3,597		$	57,443		$	332,607		$	394,166
Estimated fair value	$	527		$	3,576		$	56,560		$	287,120		$	347,783
Weighted average yield⁽²⁾		4.41	%		4.27	%		2.81	%		2.52	%		2.58	%
Small Business Administration loan pools⁽¹⁾
Amortized cost	$	—		$	10		$	75		$	123,139		$	123,224
Estimated fair value	$	—		$	10		$	73		$	121,210		$	121,293
Weighted average yield⁽²⁾		—	%		4.96	%		4.07	%		4.86	%		4.86	%
Corporate bonds⁽¹⁾
Amortized cost	$	—		$	239		$	9,492		$	—		$	9,731
Estimated fair value	$	—		$	229		$	8,339		$	—		$	8,568
Weighted average yield⁽²⁾		—	%		4.59	%		5.71	%		—	%		5.69	%
Total available-for-sale securities
Amortized cost	$	519		$	6,036		$	67,862		$	785,792		$	860,209
Estimated fair value	$	527		$	5,908		$	65,750		$	714,418		$	786,603
Weighted average yield⁽²⁾		4.41	%		3.74	%		3.21	%		3.47	%		3.46	%

⁽¹⁾	Actual maturities may differ from contractual maturities because issuers may have the rights to call or prepay obligations with or without prepayment penalties.

⁽²⁾	Yields are calculated based on amortized cost using 30/360 day basis. Tax-exempt securities are not tax effected.

Summary of Equity Securities


	For the Three Months Ended
	March 31,
	2024		2023

	(Dollars in thousands)
Net gains recognized during the reporting period on equity securities	$	21	$	10
Less: net gains recognized during the period on equity securities sold during the period		18		—
Unrealized gain recognized during the reporting period on equity securities still held at the reporting date	$	3	$	10

Disclosure about Fair Value of Financial Instruments (Tables)

3 Months Ended

Mar. 31, 2024

Disclosure about Fair Value of Financial Instruments

Schedule of assets and liabilities measured at fair value on a recurring basis


	Fair Value Description	Valuation Hierarchy Level	Where Fair Value Balance Can Be Found
Available-for-Sale Securities	Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If quoted market prices are not available, then fair values are estimated by using quoted prices of securities with similar characteristics or independent asset pricing services and pricing models, the inputs of which are market-based or independently sourced market parameters, including, but not limited to, yield curves, interest rates, volatilities, prepayments, defaults, cumulative loss projections and cash flows.	Level 2	Note 2: Securities
Derivatives	Fair value of the interest rate swaps is obtained from independent pricing services based on quoted market prices for similar derivative contracts.	Level 2	Note 6: Derivatives and Hedging

Schedule of fair value measurement of assets measured at fair value on a nonrecurring basis


			March 31, 2024
			Fair Value Measurements Using
			Quoted Prices in
			Active Markets for		Significant Other		Unobservable
			Identical Assets		Observable Inputs		Inputs
	Fair Value		(Level 1)		(Level 2)		(Level 3)

	(Dollars in thousands)
Collateral-dependent impaired loans	$	2,288	$	—	$	—	$	2,288
Foreclosed assets held-for-sale		5,374		—		—		5,374

December 31, 2023

Fair Value Measurements Using

Quoted Prices in

Active Markets for

Significant Other

Unobservable

Identical Assets

Observable Inputs

Inputs

Fair Value

(Level 1)

(Level 2)

(Level 3)

(Dollars in thousands)

Collateral-dependent impaired loans

10,570

—

10,570

Schedule of quantitative information about unobservable inputs used in nonrecurring Level 3 fair value measurements


	March 31, 2024
				Unobservable	Range
	Fair Value		Valuation Techniques	Inputs	(Weighted Average)

	(Dollars in thousands)
Collateral-dependent impaired loans	$	2,288	Appraisal of collateral	Appraisal adjustments⁽¹⁾	0% - 25% (19%)
Foreclosed assets held-for-sale	$	5,374	Appraisal of held property	Appraisal adjustments⁽¹⁾	10% - 10% (10%)


	December 31, 2023
				Unobservable	Range
	Fair Value		Valuation Techniques	Inputs	(Weighted Average)

	(Dollars in thousands)
Collateral-dependent impaired loans	$	10,570	Appraisal of collateral	Appraisal adjustments⁽¹⁾	0% - 56% (22%)

(1)	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.

Schedule of estimated fair values of the financial instruments


	March 31, 2024
	Carrying		Fair Value Measurements
	Amount		Level 1		Level 2		Level 3

	(Dollars in thousands)
Financial Assets
Cash and cash equivalents	$	206,773	$	206,773	$	—	$	—
Available-for-sale securities		786,603		—		786,603		—
Loans, net of allowance for credit losses		6,174,331		—		—		6,139,784
Restricted equity securities		3,752		—		—		3,752
Interest receivable		37,833		—		37,833		—
Equity securities		6,917		—		—		6,917
Derivative assets		9,054		—		9,054		—

Financial Liabilities
Deposits	$	6,587,146	$	954,240	$	—	$	5,663,040
Federal Home Loan Bank advances		77,840		—		71,735		—
Other borrowings		8,911		—		9,885		—
Interest payable		19,921		—		19,921		—
Derivative liabilities		17,138		—		17,138		—


	December 31, 2023
	Carrying		Fair Value Measurements
	Amount		Level 1		Level 2		Level 3

	(Dollars in thousands)
Financial Assets
Cash and cash equivalents	$	255,229	$	255,229	$	—	$	—
Available-for-sale securities		766,653		—		766,653		—
Loans, net of allowance for credit losses		6,054,228		—		—		6,036,887
Restricted equity securities		3,950		—		—		3,950
Interest receivable		37,294		—		37,294		—
Equity securities		5,794		—		—		5,794
Derivative assets		7,581		—		7,581		—

Financial Liabilities
Deposits	$	6,491,276	$	990,458	$	—	$	5,547,203
Federal Home Loan Bank advances		77,889		—		72,123		—
Other borrowings		8,950		—		9,891		—
Interest payable		18,529		—		18,529		—
Derivative liabilities		13,594		—		13,594		—

Derivatives and Hedging - Narrative (Details) $ in Millions	3 Months Ended	12 Months Ended
Derivatives and Hedging - Narrative (Details) $ in Millions	Mar. 31, 2024 USD ($) item contract	Dec. 31, 2022 item	Dec. 31, 2023 USD ($) item contract
Derivatives and Hedging
Collateral paid	$ 1.1		$ 1.0
Collateral received	$ 0.6		$ 1.5
Interest Rate Swap \| Designated as Hedging Instrument
Derivatives and Hedging
Number of cash flow hedges matured \| item	2
Number of cash flow hedges terminated \| item	2
Number of instruments \| item	1		5
Notional Amount	$ 250.0		$ 340.0
Derivative instruments to be reclassified to interest income in next 12 months	$ 3.3
Number of hedges terminated \| item	2	5
Maximum exposure period	2 years 9 months 18 days
Interest Rate Swap \| Not Designated as Hedging Instrument
Derivatives and Hedging
Number of instruments \| contract	46		46
Notional Amount	$ 323.0		$ 307.0

Securities

3 Months Ended

Mar. 31, 2024

Securities

Securities

Note 2: Securities

Available-for-Sale (“AFS”) Securities

AFS securities are summarized as follows as of the dates indicated:


	March 31, 2024
			Gross		Gross
			Unrealized		Unrealized		Approximate
	Amortized Cost		Gains		Losses		Fair Value

	(Dollars in thousands)
Federal agency obligations	$	9,989	$	42	$	—	$	10,031
Mortgage-backed - GSE residential		251,994		280		23,614		228,660
Collateralized mortgage obligations - GSE residential		71,105		301		1,138		70,268
State and political subdivisions		394,166		297		46,680		347,783
Small Business Administration loan pools		123,224		325		2,256		121,293
Corporate bonds		9,731		—		1,163		8,568
Total available-for-sale securities	$	860,209	$	1,245	$	74,851	$	786,603


	December 31, 2023
			Gross		Gross
			Unrealized		Unrealized		Approximate
	Amortized Cost		Gains		Losses		Fair Value

	(Dollars in thousands)
Federal agency obligations	$	9,988	$	84	$	—	$	10,072
U.S. Treasury securities		4,965		3		—		4,968
Mortgage-backed - GSE residential		233,203		629		21,370		212,462
Collateralized mortgage obligations - GSE residential		50,125		493		674		49,944
State and political subdivisions		396,349		497		40,949		355,897
Small Business Administration loan pools		125,017		722		961		124,778
Corporate bonds		9,740		—		1,208		8,532
Total available-for-sale securities	$	829,387	$	2,428	$	65,162	$	766,653

The carrying value of securities pledged as collateral was $46 million and $40 million at March 31, 2024 and December 31, 2023, respectively.

As of March 31, 2024 and December 31, 2023, the AFS securities had $6 million and $7 million, respectively, of accrued interest, excluded from the amortized cost basis, and presented in “interest receivable” on the consolidated statements of financial condition.

The following tables summarize the gross realized gains and losses from sales or maturities of AFS securities as of the dates shown:


	For the Three Months Ended
	March 31, 2024
	Gross Realized Gains		Gross Realized Losses		Net Realized Gain

	(Dollars in thousands)
Available-for-sale securities	$	2	$	—	$	2


	For the Three Months Ended
	March 31, 2023
	Gross Realized Gains		Gross Realized Losses		Net Realized Gain

	(Dollars in thousands)
Available-for-sale securities	$	193	$	(130)	$	63

The following tables summarize AFS securities gross unrealized losses, as of the dates shown, along with the length of time in an unrealized loss position:


	March 31, 2024
	Less than 12 Months					12 Months or More					Total
	Fair		Unrealized		Number of	Fair		Unrealized		Number of	Fair		Unrealized		Number of
	Value		Losses		Securities	Value		Losses		Securities	Value		Losses		Securities

	(Dollars in thousands)
Available-for-Sale Securities
Federal agency obligations	$	—	$	—	—	$	—	$	—	—	$	—	$	—	—
Mortgage-backed - GSE residential		35,935		345	12		132,348		23,269	51		168,283		23,614	63
Collateralized mortgage obligations - GSE residential		47,106		610	9		7,863		528	17		54,969		1,138	26
State and political subdivisions		28,063		282	20		300,783		46,398	203		328,846		46,680	223
Small Business Administration loan pools		110,885		2,254	14		83		2	4		110,968		2,256	18
Corporate bonds		—		—	—		8,568		1,163	5		8,568		1,163	5
Total temporarily impaired AFS securities	$	221,989	$	3,491	55	$	449,645	$	71,360	280	$	671,634	$	74,851	335


	December 31, 2023
	Less than 12 Months					12 Months or More					Total
	Fair		Unrealized		Number of	Fair		Unrealized		Number of	Fair		Unrealized		Number of
	Value		Losses		Securities	Value		Losses		Securities	Value		Losses		Securities

	(Dollars in thousands)
Available-for-Sale Securities
Federal agency obligations	$	—	$	—	—	$	—	$	—	—	$	—	$	—	—
U.S. Treasury securities		—		—	—		—		—	—		—		—	—
Mortgage-backed - GSE residential		21,523		56	5		137,626		21,314	52		159,149		21,370	57
Collateralized mortgage obligations - GSE residential		17,707		135	4		8,469		539	17		26,176		674	21
State and political subdivisions		33,577		207	20		287,128		40,742	190		320,705		40,949	210
Small Business Administration loan pools		76,380		959	11		91		2	4		76,471		961	15
Corporate bonds		—		—	—		8,532		1,208	5		8,532		1,208	5
Total temporarily impaired AFS securities	$	149,187	$	1,357	40	$	441,846	$	63,805	268	$	591,033	$	65,162	308

Management evaluated all of the AFS securities in an unrealized loss position at March 31, 2024. The unrealized losses in the Company’s investment portfolio were primarily caused by interest rate changes. The Company does not intend to sell the investments, and it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost basis. The Company did not record any credit losses on AFS securities during the three months ended March 31, 2024 or the year ended December 31, 2023.

The amortized cost, fair value, and weighted average yield of AFS securities by contractual maturity, are shown below:


	March 31, 2024
	Within			After One to			After Five to			After
	One Year			Five Years			Ten Years			Ten Years			Total

	(Dollars in thousands)
Available-for-sale securities
Federal agency obligations⁽¹⁾
Amortized cost	$	—		$	—		$	—		$	9,989		$	9,989
Estimated fair value	$	—		$	—		$	—		$	10,031		$	10,031
Weighted average yield⁽²⁾		—	%		—	%		—	%		6.38	%		6.38	%
Mortgage-backed - GSE residential⁽¹⁾
Amortized cost	$	—		$	—		$	852		$	251,142		$	251,994
Estimated fair value	$	—		$	—		$	778		$	227,882		$	228,660
Weighted average yield⁽²⁾		—	%		—	%		2.24	%		3.39	%		3.39	%
Collateralized mortgage obligations - GSE residential⁽¹⁾
Amortized cost	$	—		$	2,190		$	—		$	68,915		$	71,105
Estimated fair value	$	—		$	2,093		$	—		$	68,175		$	70,268
Weighted average yield⁽²⁾		—	%		2.78	%		—	%		5.44	%		5.36	%
State and political subdivisions⁽¹⁾
Amortized cost	$	519		$	3,597		$	57,443		$	332,607		$	394,166
Estimated fair value	$	527		$	3,576		$	56,560		$	287,120		$	347,783
Weighted average yield⁽²⁾		4.41	%		4.27	%		2.81	%		2.52	%		2.58	%
Small Business Administration loan pools⁽¹⁾
Amortized cost	$	—		$	10		$	75		$	123,139		$	123,224
Estimated fair value	$	—		$	10		$	73		$	121,210		$	121,293
Weighted average yield⁽²⁾		—	%		4.96	%		4.07	%		4.86	%		4.86	%
Corporate bonds⁽¹⁾
Amortized cost	$	—		$	239		$	9,492		$	—		$	9,731
Estimated fair value	$	—		$	229		$	8,339		$	—		$	8,568
Weighted average yield⁽²⁾		—	%		4.59	%		5.71	%		—	%		5.69	%
Total available-for-sale securities
Amortized cost	$	519		$	6,036		$	67,862		$	785,792		$	860,209
Estimated fair value	$	527		$	5,908		$	65,750		$	714,418		$	786,603
Weighted average yield⁽²⁾		4.41	%		3.74	%		3.21	%		3.47	%		3.46	%

⁽¹⁾	Actual maturities may differ from contractual maturities because issuers may have the rights to call or prepay obligations with or without prepayment penalties.

⁽²⁾	Yields are calculated based on amortized cost using 30/360 day basis. Tax-exempt securities are not tax effected.

Equity Securities

Equity securities consist of $6.9 million of private equity investments. Equity securities are included in other assets on the consolidated statements of financial condition.

The Company elected a measurement alternative for its private equity investments that did not have a readily determinable fair value and did not qualify for the practical expedient to estimate fair value using the net asset value per share. A cost basis was calculated for the equity investments. The recorded balance will adjust for any impairment or any observable price changes for an identical or similar investment of the same issuer. No such events occurred during the three-month period ended March 31, 2024.

The following is a summary of the recorded fair value and the unrealized and realized gains and losses recognized in net income on equity securities:


	For the Three Months Ended
	March 31,
	2024		2023

	(Dollars in thousands)
Net gains recognized during the reporting period on equity securities	$	21	$	10
Less: net gains recognized during the period on equity securities sold during the period		18		—
Unrealized gain recognized during the reporting period on equity securities still held at the reporting date	$	3	$	10

Consolidated Statements of Stockholders' Equity - Unaudited (Parenthetical)	3 Months Ended
	Mar. 31, 2024 $ / shares
Consolidated Statements of Stockholders' Equity - Unaudited
Preferred dividends (per share)	$ 20.00

Nature of Operations and Summary of Significant Accounting Policies - Narrative (Details) $ / shares in Units, $ in Millions	3 Months Ended
	Mar. 31, 2024 USD ($) item $ / shares	Dec. 31, 2023 USD ($) $ / shares
Subsidiary, Sale of Stock [Line Items]
Number of wholly owned subsidiaries \| item	3
Related party loans	$ 10	$ 12
Related party deposits	$ 105	$ 106
Preferred stock par value (in dollars per share) \| $ / shares	$ 0.01	$ 0.01
Noncumulative Preferred Stock \| Related Party
Subsidiary, Sale of Stock [Line Items]
Value of shares owned by related party	$ 6

Changes in Accumulated Other Comprehensive Loss - Amounts Reclassified from AOCI (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Changes in Accumulated Other Comprehensive Loss
Realized gain on available-for-sale securities	$ 2	$ 63
Less: tax expense effect		15
Realized gain on available-for-sale securities, net of income tax	2	48
Loss on cash flow hedges	(1,124)
Gain on cash flow hedges	196
Less: tax expense effect	(214)
Net loss on cash flow hedges, net of tax	(714)
Total reclassified amount	$ (712)	$ 48

Consolidated Statements of Financial Condition - Unaudited - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and cash equivalents	$ 206,773	$ 255,229
Available-for-sale securities - taxable	441,157	413,217
Available-for-sale securities - tax-exempt	345,446	353,436
Loans, net of unearned fees	6,249,187	6,127,690
Allowance for credit losses on loans	74,856	73,462
Loans, net of the allowance for credit losses on loans	6,174,331	6,054,228
Premises and equipment, net	70,580	70,869
Restricted equity securities	3,752	3,950
Interest receivable	37,833	37,294
Foreclosed assets held for sale	5,377
Goodwill and other intangible assets, net	30,404	31,335
Bank-owned life insurance	71,266	70,810
Other	92,813	90,312
Total assets	7,479,732	7,380,680
Deposits
Non-interest-bearing	954,240	990,458
Savings, NOW and money market	3,795,770	3,669,726
Time	1,837,136	1,831,092
Total deposits	6,587,146	6,491,276
Federal Home Loan Bank advances	77,840	77,889
Other borrowings	8,911	8,950
Interest payable and other liabilities	90,864	94,422
Total liabilities	6,764,761	6,672,537
Stockholders' equity
Preferred stock, $0.01 par value: Authorized - 5,000,000 shares; issued - 7,750 at March 31, 2024 and December 31, 2023	0	0
Common stock, $0.01 par value: Authorized - 200,000,000 shares; issued - 53,503,391 and 53,326,641 shares at March 31, 2024 and December 31, 2023 respectively	535	533
Treasury stock, at cost: 4,102,925 and 3,990,753 shares held at March 31, 2024 and December 31, 2023 respectively	(59,720)	(58,251)
Additional paid-in capital	544,206	543,556
Retained earnings	290,419	272,351
Accumulated other comprehensive loss	(60,469)	(50,046)
Total stockholders' equity	714,971	708,143
Total liabilities and stockholders' equity	$ 7,479,732	$ 7,380,680

Commitments and Credit Risk - Commitments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Loss Contingencies [Line Items]
Total commitments	$ 2,073,611	$ 2,146,429
Commitments to originate loans
Loss Contingencies [Line Items]
Total commitments	97,741	59,728
Standby letters of credit
Loss Contingencies [Line Items]
Total commitments	75,672	74,139
Line of credit
Loss Contingencies [Line Items]
Total commitments	1,897,172	2,008,356
Commitment related to investment fund
Loss Contingencies [Line Items]
Total commitments	$ 3,026	$ 4,206

Consolidated Statements of Operations - Unaudited - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest Income
Loans, including fees	$ 110,099	$ 89,618
Available-for-sale securities - taxable	4,528	1,849
Available-for-sale securities - tax-exempt	2,553	3,794
Deposits with financial institutions	1,981	2,014
Dividends on bank stocks	78	262
Total interest income	119,239	97,537
Interest Expense
Deposits	62,111	36,725
Fed funds purchased and repurchase agreements		46
Federal Home Loan Bank Advances	471	2,391
Other borrowings	63	154
Total interest expense	62,645	39,316
Net Interest Income	56,594	58,221
Provision for Credit Losses	1,655	4,421
Net Interest Income after Provision for Credit Losses	54,939	53,800
Non-Interest Income
Service charges and fees on client accounts	2,104	1,829
ATM and credit card interchange income	1,487	1,264
Gain on sale of loans	537	187
Income from bank-owned life insurance	456	411
Swap fees and credit valuation adjustments, net	158	90
Other non-interest income	847	640
Total non-interest income	5,589	4,421
Non-Interest Expense
Salaries and employee benefits	23,585	22,622
Occupancy	3,206	2,974
Professional fees	972	2,618
Deposit insurance premiums	1,906	1,531
Data processing	970	1,242
Advertising	558	752
Software and communication	1,824	1,651
Foreclosed assets, net	229	149
Core deposit intangible amortization	931	822
Other non-interest expense	3,324	3,731
Total non-interest expense	37,505	38,092
Net Income Before Taxes	23,023	20,129
Income tax expense	4,800	4,021
Net Income	$ 18,223	$ 16,108
Basic Earnings Per Common Share (in dollars per share)	$ 0.36	$ 0.33
Diluted Earnings Per Common Share (in dollars per share)	$ 0.36	$ 0.33

Leases - Future minimum lease payments (Details) $ in Thousands	Mar. 31, 2024 USD ($)
Future minimum lease payments under operating leases
2024	$ 2,815
2025	3,806
2026	3,852
2027	3,847
2028	3,427
Thereafter	10,750
Total lease payments	28,497
Less imputed interest	2,775
Total	$ 25,722
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Interest Payable And Other Liabilities
Future minimum lease payments under finance leases
2024	$ 367
2025	490
2026	490
2027	528
2028	540
Thereafter	7,705
Total lease payments	10,120
Less imputed interest	2,776
Total	$ 7,344
Finance Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Interest Payable And Other Liabilities

Disclosure about Fair Value of Financial Instruments

3 Months Ended

Mar. 31, 2024

Disclosure about Fair Value of Financial Instruments

Disclosure about Fair Value of Financial Instruments

Note 11: Disclosures about Fair Value of Financial Instruments

Fair value is 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. Fair value measurements must maximize the use of observable inputs and minimize the use of unobservable inputs. There is a hierarchy of three levels of inputs that may be used to measure fair value:

Level 1

Quoted prices in active markets for identical assets or liabilities.

Level 2

Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.

Level 3

Unobservable inputs supported by little or no market activity and significant to the fair value of the assets or liabilities.

Recurring Measurements

The following list presents the assets and liabilities recognized in the accompanying consolidated statements of financial condition measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at March 31, 2024 and December 31, 2023:


	Fair Value Description	Valuation Hierarchy Level	Where Fair Value Balance Can Be Found
Available-for-Sale Securities	Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If quoted market prices are not available, then fair values are estimated by using quoted prices of securities with similar characteristics or independent asset pricing services and pricing models, the inputs of which are market-based or independently sourced market parameters, including, but not limited to, yield curves, interest rates, volatilities, prepayments, defaults, cumulative loss projections and cash flows.	Level 2	Note 2: Securities
Derivatives	Fair value of the interest rate swaps is obtained from independent pricing services based on quoted market prices for similar derivative contracts.	Level 2	Note 6: Derivatives and Hedging

Nonrecurring Measurements

The following tables present the fair value measurement on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at March 31, 2024 and December 31, 2023:


			March 31, 2024
			Fair Value Measurements Using
			Quoted Prices in
			Active Markets for		Significant Other		Unobservable
			Identical Assets		Observable Inputs		Inputs
	Fair Value		(Level 1)		(Level 2)		(Level 3)

	(Dollars in thousands)
Collateral-dependent impaired loans	$	2,288	$	—	$	—	$	2,288
Foreclosed assets held-for-sale		5,374		—		—		5,374

December 31, 2023

Fair Value Measurements Using

Quoted Prices in

Active Markets for

Significant Other

Unobservable

Identical Assets

Observable Inputs

Inputs

Fair Value

(Level 1)

(Level 2)

(Level 3)

(Dollars in thousands)

Collateral-dependent impaired loans

10,570

—

10,570

Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying consolidated statements of financial condition, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.

Collateral-Dependent Impaired Loans, Net of ACL - The estimated fair value of collateral-dependent loans is based on the appraised fair value of the collateral, less estimated cost to sell. If the fair value of the collateral is below the loan’s amortized cost, the ACL is netted against the loan balance. Collateral-dependent loans are classified within Level 3 of

the fair value hierarchy. The Company considers the appraisal or evaluation as the starting point for determining fair value and then considers other factors and events in the environment that may affect the fair value. Appraisals of the collateral underlying collateral dependent loans are obtained when the loan is determined to be collateral dependent and subsequently as deemed necessary by the Office of the Chief Credit Officer. Appraisals are reviewed for accuracy and consistency by management. Appraisers are selected from the list of approved appraisers maintained by management. The appraised values are reduced by discounts to consider lack of marketability and estimated costs to sell if repayment or satisfaction of the loan is dependent on the sale of the collateral. These discounts and estimates are developed by the Office of the Chief Credit Officer by comparison to historical results.

Foreclosed Assets Held-for-Sale - The fair value of foreclosed assets-held-for-sale is based on the appraised fair value of the collateral, less estimated cost to sell.

Unobservable (Level 3) Inputs

The following tables present quantitative information about unobservable inputs used in nonrecurring Level 3 fair value measurements at March 31, 2024 and December 31, 2023:


	March 31, 2024
				Unobservable	Range
	Fair Value		Valuation Techniques	Inputs	(Weighted Average)

	(Dollars in thousands)
Collateral-dependent impaired loans	$	2,288	Appraisal of collateral	Appraisal adjustments⁽¹⁾	0% - 25% (19%)
Foreclosed assets held-for-sale	$	5,374	Appraisal of held property	Appraisal adjustments⁽¹⁾	10% - 10% (10%)


	December 31, 2023
				Unobservable	Range
	Fair Value		Valuation Techniques	Inputs	(Weighted Average)

	(Dollars in thousands)
Collateral-dependent impaired loans	$	10,570	Appraisal of collateral	Appraisal adjustments⁽¹⁾	0% - 56% (22%)

(1)	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.

The following tables present the estimated fair values of the Company’s financial instruments at March 31, 2024 and December 31, 2023:


	March 31, 2024
	Carrying		Fair Value Measurements
	Amount		Level 1		Level 2		Level 3

	(Dollars in thousands)
Financial Assets
Cash and cash equivalents	$	206,773	$	206,773	$	—	$	—
Available-for-sale securities		786,603		—		786,603		—
Loans, net of allowance for credit losses		6,174,331		—		—		6,139,784
Restricted equity securities		3,752		—		—		3,752
Interest receivable		37,833		—		37,833		—
Equity securities		6,917		—		—		6,917
Derivative assets		9,054		—		9,054		—

Financial Liabilities
Deposits	$	6,587,146	$	954,240	$	—	$	5,663,040
Federal Home Loan Bank advances		77,840		—		71,735		—
Other borrowings		8,911		—		9,885		—
Interest payable		19,921		—		19,921		—
Derivative liabilities		17,138		—		17,138		—


	December 31, 2023
	Carrying		Fair Value Measurements
	Amount		Level 1		Level 2		Level 3

	(Dollars in thousands)
Financial Assets
Cash and cash equivalents	$	255,229	$	255,229	$	—	$	—
Available-for-sale securities		766,653		—		766,653		—
Loans, net of allowance for credit losses		6,054,228		—		—		6,036,887
Restricted equity securities		3,950		—		—		3,950
Interest receivable		37,294		—		37,294		—
Equity securities		5,794		—		—		5,794
Derivative assets		7,581		—		7,581		—

Financial Liabilities
Deposits	$	6,491,276	$	990,458	$	—	$	5,547,203
Federal Home Loan Bank advances		77,889		—		72,123		—
Other borrowings		8,950		—		9,891		—
Interest payable		18,529		—		18,529		—
Derivative liabilities		13,594		—		13,594		—

- 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 + Details

Goodwill and Core Deposit Intangible - Narrative (Details) $ in Millions	3 Months Ended
	Mar. 31, 2024 USD ($)
Goodwill and Core Deposit Intangible
Goodwill impairment	$ 0.0
Core Deposits
Goodwill and Core Deposit Intangible
Estimated useful life of CDI	10 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/disclosureRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 2: 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

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1A

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-2

+ Details

Nature of Operations and Summary of Significant Accounting Policies

3 Months Ended

Mar. 31, 2024

Nature of Operations and Summary of Significant Accounting Policies

Nature of Operations and Summary of Significant Accounting Policies

Note 1: Nature of Operations and Summary of Significant Accounting Policies

Organization and Nature of Operations

CrossFirst Bankshares, Inc. (“Bankshares”) is a bank holding company whose principal activities are the ownership and management of its wholly-owned subsidiary, CrossFirst Bank (the “Bank”). In addition, the Bank has three subsidiaries, including CrossFirst Investments, Inc. (“CFI”), which holds investments in marketable securities, CFBSA I, LLC and CFBSA II, LLC.

The Bank is engaged in providing a full range of banking and financial services to individual and corporate clients primarily through its branches in: (i) Leawood, Kansas; (ii) Wichita, Kansas; (iii) Kansas City, Missouri; (iv) Oklahoma City, Oklahoma; (v) Tulsa, Oklahoma; (vi) Dallas, Texas; (vii) Fort Worth, Texas; (viii) Frisco, Texas; (ix) Phoenix, Arizona; (x) Tucson, Arizona; (xi) Colorado Springs, Colorado; (xii) Denver, Colorado; and (xiii) Clayton, New Mexico.

Basis of Presentation

The accompanying interim unaudited consolidated financial statements serve to update the CrossFirst Bankshares, Inc. Annual Report on Form 10-K for the year ended December 31, 2023 and include the consolidated accounts of Bankshares, the Bank, CFI, CFBSA I, LLC and CFBSA II, LLC (together, referred to herein as the “Company”). The accompanying unaudited consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) and where applicable, with general practices in the banking industry or guidelines prescribed by bank regulatory agencies. However, they may not include all information and notes necessary to constitute a complete set of financial statements under GAAP applicable to annual periods and accordingly should be read in conjunction with the financial information contained in the Company's most recent Annual Report on Form 10-K. The unaudited consolidated financial statements reflect all adjustments which are, in the opinion of management, necessary for a fair statement of the results presented. All such adjustments are of a normal recurring nature. All significant intercompany balances and transactions have been eliminated in consolidation. Certain reclassifications of prior years' amounts are made whenever necessary to conform to current period presentation. The results of operations for the interim period are not necessarily indicative of the results that may be expected for the full year or any other interim period. All amounts are in thousands, except share data, or as otherwise noted.

GAAP requires management to make estimates that affect the reported amounts of assets, liabilities, revenues and expenses, and disclosures of contingent assets and liabilities. By their nature, estimates are based on judgment and available information. Management has made significant estimates in certain areas, such as the fair values of financial instruments, and the allowance for credit losses (“ACL”). Because of the inherent uncertainties associated with any estimation process and future changes in market and economic conditions, it is possible that actual results could differ significantly from those estimates.

The Company's significant accounting policies followed in the preparation of the unaudited consolidated financial statements are disclosed in Note 1 of the audited financial statements and notes for the year ended December 31, 2023 and are contained in the Company's Annual Report on Form 10-K for that period. There have been no significant changes to the application of significant accounting policies since December 31, 2023.

Related Party Transactions

The Bank extends credit and receives deposits from related parties. In management’s opinion, the loans and deposits were made in the ordinary course of business and made on similar terms as those prevailing at the time with other persons. Related party loans totaled $10 million and $12 million, while related party deposits totaled $105 million and $106 million, at March 31, 2024 and December 31, 2023, respectively. Related parties also owned $6 million of the

Company’s Series A Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share (“Series A Preferred Stock”), at March 31, 2024.

Recent Accounting Pronouncements

Accounting pronouncements not yet adopted by the Company

In November 2023, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures, which requires enhanced disclosures on both an annual and interim basis about significant segment expenses, including for companies with only one reportable segment. This ASU is effective on a retrospective basis for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. The Company is evaluating the impact the adoption of this ASU will have on its consolidated financial statements and related disclosures.

In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures which requires updates to rate reconciliation disclosures and information on income taxes paid on an annual basis. This ASU is effective on a prospective basis with retrospective application permitted for annual periods beginning after December 15, 2024. The Company is evaluating the impact the adoption of this ASU will have on its consolidated financial statements and related disclosures.

Changes in Accumulated Other Comprehensive Loss (Tables)

3 Months Ended

Mar. 31, 2024

Changes in Accumulated Other Comprehensive Loss

Schedule of amounts reclassified from AOCI


	Three Months Ended March 31,				Affected Line Item in the
	2024		2023		Statements of Operations

	(Dollars in thousands)
Realized gain on available-for-sale securities	$	2	$	63	Other non-interest income
Less: tax expense effect		—		15	Income tax expense
Realized gain on available-for-sale securities, net of income tax		2		48
Loss on cash flow hedges		(1,124)		—	Interest income - Loans
Gain on cash flow hedges		196		—	Interest expense - Deposits
Less: tax benefit effect		(214)		—	Income tax expense
Net loss on cash flow hedges, net of tax		(714)		—
Total reclassified amount	$	(712)	$	48

Stockholders' Equity

3 Months Ended

Mar. 31, 2024

Stockholders' Equity

Stockholders' Equity

Note 10: Stockholders’ Equity

The following table presents the computation of basic and diluted earnings per common share:


	Three Months Ended March 31,
	2024		2023

	(Dollars in thousands, except per share data)
Earnings per Common Share
Net Income	$	18,223	$	16,108
Less: preferred stock dividends		155		—
Net income available to common stockholders		18,068		16,108
Weighted average common shares		49,510,808		48,635,910
Earnings per common share	$	0.36	$	0.33
Diluted Earnings per Common Share
Net Income	$	18,223	$	16,108
Less: preferred stock dividends		155		—
Net income available to common stockholders		18,068		16,108
Weighted average common shares		49,510,808		48,635,910
Effect of dilutive shares		456,830		407,711
Weighted average dilutive common shares		49,967,638		49,043,621
Diluted earnings per common share	$	0.36	$	0.33
Stock-based awards not included because to do so would be antidilutive		281,666		916,080

Dividends of $155 thousand related to the Series A Preferred Stock were declared and paid during the three months ended March 31, 2024. On May 2, 2024, the Board of Directors declared a quarterly dividend on Series A Preferred Stock in the amount of $20.00 per share to be payable on June 17, 2024 to stockholders of record as of May 31, 2024.

- Definition

The entire disclosure for equity.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-13

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-13

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-14

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 235
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481062/946-235-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 235
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481062/946-235-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481004/946-505-50-6

Reference 7: 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 8: 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 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(e)(1))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480678/235-10-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
-SubTopic 10
-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
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-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
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-Name Accounting Standards Codification
-Section 50
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-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
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-Name Accounting Standards Codification
-Section 50
-Paragraph 18
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481112/505-10-50-18

+ Details

Securities - Unrealized Losses (Details) $ in Thousands	Mar. 31, 2024 USD ($) security	Dec. 31, 2023 USD ($) security
Less than 12 Months
Fair Value	$ 221,989	$ 149,187
Unrealized Losses	$ 3,491	$ 1,357
Number of Securities \| security	55	40
12 Months or More
Fair Value	$ 449,645	$ 441,846
Unrealized Losses	$ 71,360	$ 63,805
Number of Securities \| security	280	268
Total
Fair Value	$ 671,634	$ 591,033
Unrealized Losses	$ 74,851	$ 65,162
Number of Securities \| security	335	308
Mortgage-backed - GSE residential
Less than 12 Months
Fair Value	$ 35,935	$ 21,523
Unrealized Losses	$ 345	$ 56
Number of Securities \| security	12	5
12 Months or More
Fair Value	$ 132,348	$ 137,626
Unrealized Losses	$ 23,269	$ 21,314
Number of Securities \| security	51	52
Total
Fair Value	$ 168,283	$ 159,149
Unrealized Losses	$ 23,614	$ 21,370
Number of Securities \| security	63	57
Collateralized mortgage obligations - GSE residential
Less than 12 Months
Fair Value	$ 47,106	$ 17,707
Unrealized Losses	$ 610	$ 135
Number of Securities \| security	9	4
12 Months or More
Fair Value	$ 7,863	$ 8,469
Unrealized Losses	$ 528	$ 539
Number of Securities \| security	17	17
Total
Fair Value	$ 54,969	$ 26,176
Unrealized Losses	$ 1,138	$ 674
Number of Securities \| security	26	21
State and political subdivisions
Less than 12 Months
Fair Value	$ 28,063	$ 33,577
Unrealized Losses	$ 282	$ 207
Number of Securities \| security	20	20
12 Months or More
Fair Value	$ 300,783	$ 287,128
Unrealized Losses	$ 46,398	$ 40,742
Number of Securities \| security	203	190
Total
Fair Value	$ 328,846	$ 320,705
Unrealized Losses	$ 46,680	$ 40,949
Number of Securities \| security	223	210
Small Business Administration loan pools
Less than 12 Months
Fair Value	$ 110,885	$ 76,380
Unrealized Losses	$ 2,254	$ 959
Number of Securities \| security	14	11
12 Months or More
Fair Value	$ 83	$ 91
Unrealized Losses	$ 2	$ 2
Number of Securities \| security	4	4
Total
Fair Value	$ 110,968	$ 76,471
Unrealized Losses	$ 2,256	$ 961
Number of Securities \| security	18	15
Corporate bonds
12 Months or More
Fair Value	$ 8,568	$ 8,532
Unrealized Losses	$ 1,163	$ 1,208
Number of Securities \| security	5	5
Total
Fair Value	$ 8,568	$ 8,532
Unrealized Losses	$ 1,163	$ 1,208
Number of Securities \| security	5	5

Stockholders' Equity - Computation of Basic and Diluted Earnings per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Earnings per Share
Net Income (Loss)	$ 18,223	$ 16,108
Less: preferred stock dividends	155
Net income available to common stockholders	$ 18,068	$ 16,108
Weighted average common shares (in shares)	49,510,808	48,635,910
Earnings per common share (in dollars per share)	$ 0.36	$ 0.33
Dilutive Earnings Per Share
Net Income (Loss)	$ 18,223	$ 16,108
Less: preferred stock dividends	155
Net income available to common stockholders	$ 18,068	$ 16,108
Weighted average common shares (in shares)	49,510,808	48,635,910
Effect of dilutive shares (in shares)	456,830	407,711
Weighted average dilutive common shares (in shares)	49,967,638	49,043,621
Diluted earnings per share (in dollars per share)	$ 0.36	$ 0.33
Stock-based awards not included because to do so would be antidilutive (in shares)	281,666	916,080

Loans and Allowance for Credit Losses - Loans, Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Financing Receivable, Impaired [Line Items]
Amortized Cost of Collateral Dependent Loans	$ 12,082	$ 18,419
Related Allowance for Credit Losses	2,942	1,963
Amortized Cost of Collateral Dependent Loans with no related Allowance	6,398	8,567
Commercial and industrial
Financing Receivable, Impaired [Line Items]
Amortized Cost of Collateral Dependent Loans	10,822	9,308
Related Allowance for Credit Losses	2,926	1,392
Amortized Cost of Collateral Dependent Loans with no related Allowance	5,688	6,198
Energy
Financing Receivable, Impaired [Line Items]
Amortized Cost of Collateral Dependent Loans	198	288
Amortized Cost of Collateral Dependent Loans with no related Allowance	198	288
Commercial real estate - owner-occupied
Financing Receivable, Impaired [Line Items]
Amortized Cost of Collateral Dependent Loans	336	204
Amortized Cost of Collateral Dependent Loans with no related Allowance	336	204
Commercial real estate - non-owner-occupied
Financing Receivable, Impaired [Line Items]
Amortized Cost of Collateral Dependent Loans	550	8,440
Related Allowance for Credit Losses	16	571
Amortized Cost of Collateral Dependent Loans with no related Allowance		1,698
Residential real estate
Financing Receivable, Impaired [Line Items]
Amortized Cost of Collateral Dependent Loans	176	179
Amortized Cost of Collateral Dependent Loans with no related Allowance	$ 176	$ 179

Securities - Amortized Cost and Fair Value by Maturity Date (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Amortized cost
Within one year	$ 519
After one to five years	6,036
After five to ten years	67,862
After ten years	785,792
Amortized Cost	860,209	$ 829,387
Estimated fair value
Within one year	527
After one to five years	5,908
After five to ten years	65,750
After ten years	714,418
Total	$ 786,603	766,653
Weighted average yield
Within one year	4.41%
After one to five years	3.74%
After five to ten years	3.21%
After ten years	3.47%
Total	3.46%
Federal agency obligations
Amortized cost
After ten years	$ 9,989
Amortized Cost	9,989	9,988
Estimated fair value
After ten years	10,031
Total	$ 10,031	10,072
Weighted average yield
After ten years	6.38%
Total	6.38%
Mortgage-backed - GSE residential
Amortized cost
After five to ten years	$ 852
After ten years	251,142
Amortized Cost	251,994	233,203
Estimated fair value
After five to ten years	778
After ten years	227,882
Total	$ 228,660	212,462
Weighted average yield
After five to ten years	2.24%
After ten years	3.39%
Total	3.39%
Collateralized mortgage obligations - GSE residential
Amortized cost
After one to five years	$ 2,190
After ten years	68,915
Amortized Cost	71,105	50,125
Estimated fair value
After one to five years	2,093
After ten years	68,175
Total	$ 70,268	49,944
Weighted average yield
After one to five years	2.78%
After ten years	5.44%
Total	5.36%
State and political subdivisions
Amortized cost
Within one year	$ 519
After one to five years	3,597
After five to ten years	57,443
After ten years	332,607
Amortized Cost	394,166	396,349
Estimated fair value
Within one year	527
After one to five years	3,576
After five to ten years	56,560
After ten years	287,120
Total	$ 347,783	355,897
Weighted average yield
Within one year	4.41%
After one to five years	4.27%
After five to ten years	2.81%
After ten years	2.52%
Total	2.58%
Small Business Administration loan pools
Amortized cost
After one to five years	$ 10
After five to ten years	75
After ten years	123,139
Amortized Cost	123,224	125,017
Estimated fair value
After one to five years	10
After five to ten years	73
After ten years	121,210
Total	$ 121,293	124,778
Weighted average yield
After one to five years	4.96%
After five to ten years	4.07%
After ten years	4.86%
Total	4.86%
Corporate bonds
Amortized cost
After one to five years	$ 239
After five to ten years	9,492
Amortized Cost	9,731	9,740
Estimated fair value
After one to five years	229
After five to ten years	8,339
Total	$ 8,568	$ 8,532
Weighted average yield
After one to five years	4.59%
After five to ten years	5.71%
Total	5.69%

Commitments and Credit Risk (Tables)

3 Months Ended

Mar. 31, 2024

Commitments and Credit Risk

Schedule of commitments


	March 31, 2024		December 31, 2023

	(Dollars in thousands)
Commitments to originate loans	$	97,741	$	59,728
Standby letters of credit		75,672		74,139
Lines of credit		1,897,172		2,008,356
Commitment related to investment fund		3,026		4,206
Total	$	2,073,611	$	2,146,429

Derivatives and Hedging (Tables)

3 Months Ended

Mar. 31, 2024

Derivatives and Hedging

Schedule of Derivative Instruments


	Asset Derivatives					Liability Derivatives
	Statement of					Statement of
	Financial					Financial
	Condition	March 31,		December 31,		Condition	March 31,		December 31,
	Location	2024		2023		Location	2024		2023

	(Dollars in thousands)
Interest rate products:
Derivatives designated as hedging instruments	Other assets and Interest receivable	$	—	$	101	Interest payable and other liabilities	$	8,083	$	5,992
Derivatives not designated as hedging instruments	Other assets and Interest receivable		9,366		7,830	Interest payable and other liabilities		9,366		7,837
Total		$	9,366	$	7,931		$	17,449	$	13,829

Schedule of Cash Flow Hedge on Accumulated Other Comprehensive Income

March 31, 2024

Location of

Gain or

Gain or (Loss)

(Loss)

Recognized

Gain or

Reclassified

from

Gain or

(Loss)

from

Accumulated

Gain or

(Loss)

Reclassified

Accumulated

Other

(Loss)

Recognized

from

OCI into

Comprehensive

Recognized

in OCI

Accumulated

Earnings

Income into

in OCI on

Included

Excluded

OCI into

Included

Excluded

Earnings

Derivative

Component

Earnings

Component

(Dollars in thousands)

Derivatives in Cash Flow Hedging Relationships

Interest Rate Products

Interest Income

(3,215)

—

(1,124)

—

Interest Rate Products

Interest Expense

—

196

—

Total

(3,205)

—

(928)

—

March 31, 2023

Location of

Gain or

Gain or (Loss)

(Loss)

Recognized

Gain or

Reclassified

from

Gain or

(Loss)

from

Accumulated

Gain or

(Loss)

Reclassified

Accumulated

Other

(Loss)

Recognized

from

OCI into

Comprehensive

Recognized

in OCI

Accumulated

Earnings

Income into

in OCI on

Included

Excluded

OCI into

Included

Excluded

Earnings

Derivative

Component

Earnings

Component

(Dollars in thousands)

Derivatives in Cash Flow Hedging Relationships

Interest Rate Products

Interest Expense

1,540

—

Total

1,540

—

- Definition

Tabular disclosure of pertinent information about a derivative or group of derivatives on a disaggregated basis, such as for individual instruments, or small groups of similar instruments. May include a combination of the type of instrument, risks being hedged, notional amount, hedge designation, related hedged item, inception date, maturity date, or other relevant item.

+ References + Details

Disclosure about Fair Value of Financial Instruments - Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Financial Assets
Available-for-sale securities	$ 786,603	$ 766,653
Restricted equity securities	3,752	3,950
Financial Liabilities
Federal Home Loan Bank advances	77,840	77,889
Carrying Amount
Financial Assets
Cash and cash equivalents	206,773	255,229
Available-for-sale securities	786,603	766,653
Loans, net of ACL	6,174,331	6,054,228
Restricted equity securities	3,752	3,950
Interest receivable	37,833	37,294
Equity securities	6,917	5,794
Derivative assets	9,054	7,581
Financial Liabilities
Deposits	6,587,146	6,491,276
Federal Home Loan Bank advances	77,840	77,889
Other borrowings	8,911	8,950
Interest payable	19,921	18,529
Derivative liabilities	17,138	13,594
Level 1 \| Estimate of Fair Value Measurement
Financial Assets
Cash and cash equivalents	206,773	255,229
Financial Liabilities
Deposits	954,240	990,458
Level 2 \| Estimate of Fair Value Measurement
Financial Assets
Available-for-sale securities	786,603	766,653
Interest receivable	37,833	37,294
Derivative assets	9,054	7,581
Financial Liabilities
Federal Home Loan Bank advances	71,735	72,123
Other borrowings	9,885	9,891
Interest payable	19,921	18,529
Derivative liabilities	17,138	13,594
Level 3 \| Estimate of Fair Value Measurement
Financial Assets
Loans, net of ACL	6,139,784	6,036,887
Restricted equity securities	3,752	3,950
Equity securities	6,917	5,794
Financial Liabilities
Deposits	$ 5,663,040	$ 5,547,203

Loans and Allowance for Credit Losses - Charge-offs By Year of Origination (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($)
Gross charge-offs by year of origination
2022	$ 163
2020	24
Revolving loans	584
Revolving loans converted to term loans	863
Gross Charge-offs	1,634
Commercial and industrial
Gross charge-offs by year of origination
2020	24
Revolving loans	584
Revolving loans converted to term loans	178
Gross Charge-offs	786
Commercial real estate - non-owner-occupied
Gross charge-offs by year of origination
2022	163
Revolving loans converted to term loans	685
Gross Charge-offs	$ 848

Securities - Equity Securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Securities
Net gains recognized during the reporting period on equity securities	$ 21	$ 10
Less: net gains recognized during the period on equity securities sold during the period	18
Unrealized gain recognized during the reporting period on equity securities still held at the reporting date	$ 3	$ 10

Time Deposits and Borrowings

3 Months Ended

Mar. 31, 2024

Time Deposits and Borrowings

Time Deposits and Borrowings

Note 7: Time Deposits and Borrowings

The scheduled maturities, excluding interest, of the Company’s borrowings at March 31, 2024 were as follows:


	As of March 31, 2024
	Within One		One to Two		Two to Three		Three to		Four to Five		After Five
	Year		Years		Years		Four Years		Years		Years		Total

	(Dollars in thousands)
Time deposits	$	1,662,674	$	170,867	$	1,305	$	1,500	$	790	$	—	$	1,837,136
FHLB borrowings		1,549		11,291		—		50,000		15,000		—		77,840
SBA secured borrowing		—		—		—		—		—		7,778		7,778
Trust preferred securities⁽¹⁾		—		—		—		—		—		1,133		1,133
Total	$	1,664,223	$	182,158	$	1,305	$	51,500	$	15,790	$	8,911	$	1,923,887

(1)	The contract value of the trust preferred securities is $2.6 million and is currently being accreted to the maturity date of 2035.

Securities - Narrative (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Debt and Equity Securities, FV-NI [Line Items]
Accrued interest	$ 6.0	$ 7.0
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Interest Receivable	Interest Receivable
Private Equity Funds
Debt and Equity Securities, FV-NI [Line Items]
Equity securities	$ 6.9
Collateralized Debt Obligations \| Asset Pledged as Collateral
Debt and Equity Securities, FV-NI [Line Items]
Securities pledged as collateral	$ 46.0	$ 40.0

Time Deposits and Borrowings (Schedule of Time Deposit Maturities and Borrowings) (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Time deposits
Within One Year	$ 1,662,674
One to Two Years	170,867
Two to Three Years	1,305
Three to Four Years	1,500
Four to Five Years	790
Total	1,837,136	$ 1,831,092
FHLB borrowings
Total	77,840	$ 77,889
Time Deposit Maturities And Borrowings
Within One Year	1,664,223
One to Two Years	182,158
Two to Three Years	1,305
Three to Four Years	51,500
Four to Five Years	15,790
After Five Years	8,911
Total	1,923,887
Trust preferred securities
After Five Years	1,133
Total	1,133
Contract value	2,600
SBA Secured Borrowing
Time Deposit Maturities And Borrowings
After Five Years	7,778
Total	7,778
FHLB Borrowings
FHLB borrowings
Within One Year	1,549
One to Two Years	11,291
Three to Four Years	50,000
Four to Five Years	15,000
Total	$ 77,840

Loans and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2024

Loans and Allowance for Credit Losses

Schedule of Category of Loans


	March 31, 2024				December 31, 2023

	Amount		% of Loans		Amount		% of Loans

	(Dollars in thousands)
Commercial and industrial	$	2,179,562	35	%	$	2,160,212	35	%
Energy		221,217	4			214,218	3
Commercial real estate - owner-occupied		577,812	9			566,253	9
Commercial real estate - non-owner-occupied		2,769,936	44			2,685,534	44
Residential real estate		468,628	7			464,095	8
Consumer		32,032	1			37,378	1
Loans, net of unearned fees		6,249,187	100	%		6,127,690	100	%
Less: Allowance for credit losses on loans		(74,856)				(73,462)
Loans, net of the allowance for credit losses on loans	$	6,174,331			$	6,054,228

Schedule of Loan Portfolio Internal Rating Categories Loan Segments


	As of March 31, 2024
	Amortized Cost Basis by Origination Year and Internal Risk Rating												Amortized Cost Basis
	2024		2023		2022		2021		2020		2019 and Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total

	(Dollars in thousands)
Commercial and industrial
Pass	$	162,797	$	301,628	$	253,530	$	158,058	$	39,382	$	45,697	$	1,042,118	$	57,434	$	2,060,644
Special mention		1,627		1,128		852		1,966		12		43		24,074		79		29,781
Substandard - accrual		1,996		12,850		1,848		6,666		204		2,420		33,699		18,604		78,287
Substandard - non-accrual		—		2,213		—		264		—		144		6,105		129		8,855
Doubtful		—		—		—		—		—		—		1,995		—		1,995
Loss		—		—		—		—		—		—		—		—		—
Total	$	166,420	$	317,819	$	256,230	$	166,954	$	39,598	$	48,304	$	1,107,991	$	76,246	$	2,179,562
Energy
Pass	$	—	$	4,583	$	6,345	$	—	$	—	$	—	$	208,147	$	1,944	$	221,019
Special mention		—		—		—		—		—		—		—		—		—
Substandard - accrual		—		—		—		—		—		—		—		—		—
Substandard - non-accrual		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		198		—		198
Loss		—		—		—		—		—		—		—		—		—
Total	$	-	$	4,583	$	6,345	$	-	$	-	$	-	$	208,345	$	1,944	$	221,217
Commercial real estate - owner-occupied
Pass	$	6,280	$	55,911	$	103,985	$	116,685	$	63,069	$	80,507	$	76,967	$	33,023	$	536,427
Special mention		9,597		548		5,291		9,793		1,736		3,114		—		571		30,650
Substandard - accrual		—		2,977		1,464		—		1,630		2,800		—		1,528		10,399
Substandard - non-accrual		—		—		336		—		—		—		—		—		336
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	15,877	$	59,436	$	111,076	$	126,478	$	66,435	$	86,421	$	76,967	$	35,122	$	577,812
Commercial real estate - non-owner-occupied						—
Pass	$	79,617	$	444,515	$	862,200	$	246,477	$	159,192	$	114,102	$	651,858	$	143,649	$	2,701,610
Special mention		—		—		18,908		7,228		—		18,960		—		—		45,096
Substandard - accrual		3,236		9,619		4,030		1,898		3,627		298		—		—		22,708
Substandard - non-accrual		—		—		522		—		—		—		—		—		522
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	82,853	$	454,134	$	885,660	$	255,603	$	162,819	$	133,360	$	651,858	$	143,649	$	2,769,936
Residential real estate
Pass	$	1,924	$	49,465	$	90,734	$	80,314	$	109,425	$	94,830	$	36,618	$	—	$	463,310
Special mention		—		—		1,076		1,954		173		—		—		—		3,203
Substandard - accrual		253		—		—		1,310		—		200		176		—		1,939
Substandard - non-accrual		—		—		—		—		—		—		—		176		176
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	2,177	$	49,465	$	91,810	$	83,578	$	109,598	$	95,030	$	36,794	$	176	$	468,628
Consumer
Pass	$	1,289	$	10,995	$	4,381	$	412	$	45	$	246	$	14,638	$	—	$	32,006
Special mention		—		—		—		—		—		5		—		—		5
Substandard - accrual		—		—		—		—		21		—		—		—		21
Substandard - non-accrual		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	1,289	$	10,995	$	4,381	$	412	$	66	$	251	$	14,638	$	-	$	32,032
Total
Pass	$	251,907	$	867,097	$	1,321,175	$	601,946	$	371,113	$	335,382	$	2,030,346	$	236,050	$	6,015,016
Special mention		11,224		1,676		26,127		20,941		1,921		22,122		24,074		650		108,735
Substandard - accrual		5,485		25,446		7,342		9,874		5,482		5,718		33,875		20,132		113,354
Substandard - non-accrual		—		2,213		858		264		—		144		6,105		305		9,889
Doubtful		—		—		—		—		—		—		2,193		—		2,193
Loss		—		—		—		—		—		—		—		—		—
Total	$	268,616	$	896,432	$	1,355,502	$	633,025	$	378,516	$	363,366	$	2,096,593	$	257,137	$	6,249,187


	As of December 31, 2023
	Amortized Cost Basis by Origination Year and Internal Risk Rating												Amortized Cost Basis
	2023		2022		2021		2020		2019		2018 and Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total

	(Dollars in thousands)
Commercial and industrial
Pass	$	379,360	$	258,182	$	193,302	$	54,901	$	38,762	$	18,801	$	1,061,365	$	53,015	$	2,057,688
Special mention		2,442		925		6,000		2,674		1,460		26		9,748		3,175		26,450
Substandard - accrual		12,655		1,877		5,101		238		598		815		28,652		16,831		66,767
Substandard - non-accrual		—		—		266		24		—		—		6,848		178		7,316
Doubtful		—		—		—		—		—		—		1,991		—		1,991
Loss		—		—		—		—		—		—		—		—		—
Total	$	394,457	$	260,984	$	204,669	$	57,837	$	40,820	$	19,642	$	1,108,604	$	73,199	$	2,160,212
Energy
Pass	$	4,581	$	6,868	$	—	$	156	$	—	$	—	$	202,218	$	107	$	213,930
Special mention		—		—		—		—		—		—		—		—		—
Substandard - accrual		—		—		—		—		—		—		—		—		—
Substandard - non-accrual		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		288		—		288
Loss		—		—		—		—		—		—		—		—		—
Total	$	4,581	$	6,868	$	—	$	156	$	—	$	—	$	202,506	$	107	$	214,218
Commercial real estate - owner-occupied
Pass	$	56,236	$	92,148	$	119,684	$	62,072	$	49,992	$	32,936	$	76,782	$	36,263	$	526,113
Special mention		10,095		6,798		8,522		1,747		793		2,448		—		576		30,979
Substandard - accrual		2,977		—		—		1,635		770		2,047		—		1,528		8,957
Substandard - non-accrual		—		—		204		—		—		—		—		—		204
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	69,308	$	98,946	$	128,410	$	65,454	$	51,555	$	37,431	$	76,782	$	38,367	$	566,253
Commercial real estate - non-owner-occupied
Pass	$	477,238	$	842,755	$	242,405	$	161,845	$	65,540	$	50,062	$	626,998	$	145,621	$	2,612,464
Special mention		—		18,939		7,331		—		17,208		4,052		—		—		47,530
Substandard - accrual		10,341		—		2,396		3,626		—		298		—		439		17,100
Substandard - non-accrual		—		713		6,029		1,698		—		—		—		—		8,440
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	487,579	$	862,407	$	258,161	$	167,169	$	82,748	$	54,412	$	626,998	$	146,060	$	2,685,534
Residential real estate
Pass	$	37,676	$	86,919	$	82,390	$	110,853	$	36,589	$	62,288	$	37,619	$	—	$	454,334
Special mention		—		813		3,519		176		—		—		—		—		4,508
Substandard - accrual		253		—		1,317		3,125		203		—		176		—		5,074
Substandard - non-accrual		—		—		—		—		—		—		—		179		179
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	37,929	$	87,732	$	87,226	$	114,154	$	36,792	$	62,288	$	37,795	$	179	$	464,095
Consumer
Pass	$	11,591	$	6,004	$	462	$	54	$	221	$	25	$	18,960	$	—	$	37,317
Special mention		—		—		—		—		—		5		—		—		5
Substandard - accrual		—		—		—		23		—		—		—		—		23
Substandard - non-accrual		—		33		—		—		—		—		—		—		33
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	11,591	$	6,037	$	462	$	77	$	221	$	30	$	18,960	$	—	$	37,378
Total
Pass	$	966,682	$	1,292,876	$	638,243	$	389,881	$	191,104	$	164,112	$	2,023,942	$	235,006	$	5,901,846
Special mention		12,537		27,475		25,372		4,597		19,461		6,531		9,748		3,751		109,472
Substandard - accrual		26,226		1,877		8,814		8,647		1,571		3,160		28,828		18,798		97,921
Substandard - non-accrual		—		746		6,499		1,722		—		—		6,848		357		16,172
Doubtful		—		—		—		—		—		—		2,279		—		2,279
Loss		—		—		—		—		—		—		—		—		—
Total	$	1,005,445	$	1,322,974	$	678,928	$	404,847	$	212,136	$	173,803	$	2,071,645	$	257,912	$	6,127,690

Schedule of Loan Aging Analysis


	As of March 31, 2024
	Amortized Cost Basis by Origination Year and Past Due Status												Amortized Cost Basis
															Revolving loans
											2019 and				converted to
	2024		2023		2022		2021		2020		Prior		Revolving loans		term loans		Total

	(Dollars in thousands)
Commercial and industrial
30-59 days	$	-	$	2,558	$	150	$	448	$	-	$	274	$	4,672	$	-	$	8,102
60-89 days		-		62		18		-		-		-		2,154		-		2,234
Greater than 90 days		-		280		-		331		-		144		8,548		-		9,303
Total past due		-		2,900		168		779		-		418		15,374		-		19,639
Current		166,420		314,919		256,062		166,175		39,598		47,886		1,092,617		76,246		2,159,923
Total	$	166,420	$	317,819	$	256,230	$	166,954	$	39,598	$	48,304	$	1,107,991	$	76,246	$	2,179,562
Greater than 90 days and accruing	$	-	$	280	$	-	$	67	$	-	$	-	$	447	$	-	$	794
Energy
30-59 days	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
60-89 days		-		-		-		-		-		-		-		-		-
Greater than 90 days		-		-		-		-		-		-		198		-		198
Total past due		-		-		-		-		-		-		198		-		198
Current		-		4,583		6,345		-		-		-		208,147		1,944		221,019
Total	$	-	$	4,583	$	6,345	$	-	$	-	$	-	$	208,345	$	1,944	$	221,217
Greater than 90 days and accruing	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Commercial real estate - owner-occupied
30-59 days	$	-	$	2,977	$	336	$	-	$	-	$	-	$	-	$	1,528	$	4,841
60-89 days		-		-		-		-		-		-		-		-		-
Greater than 90 days		-		-		-		-		416		229		-		-		645
Total past due		-		2,977		336		-		416		229		-		1,528		5,486
Current		15,877		56,459		110,740		126,478		66,019		86,192		76,967		33,594		572,326
Total	$	15,877	$	59,436	$	111,076	$	126,478	$	66,435	$	86,421	$	76,967	$	35,122	$	577,812
Greater than 90 days and accruing	$	-	$	-	$	-	$	-	$	416	$	229	$	-	$	-	$	645
Commercial real estate - non-owner-occupied
30-59 days	$	-	$	18,853	$	4,717	$	-	$	-	$	141	$	5,606	$	-	$	29,317
60-89 days		-		573		-		-		816		68		-		-		1,457
Greater than 90 days		-		-		522		-		-		-		-		-		522
Total past due		-		19,426		5,239		-		816		209		5,606		-		31,296
Current		82,853		434,708		880,421		255,603		162,003		133,151		646,252		143,649		2,738,640
Total	$	82,853	$	454,134	$	885,660	$	255,603	$	162,819	$	133,360	$	651,858	$	143,649	$	2,769,936
Greater than 90 days and accruing	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Residential real estate
30-59 days	$	-	$	-	$	6	$	89	$	136	$	-	$	-	$	-	$	231
60-89 days		-		-		-		-		-		-		-		-		-
Greater than 90 days		-		-		-		1,310		-		-		176		-		1,486
Total past due		-		-		6		1,399		136		-		176		-		1,717
Current		2,177		49,465		91,804		82,179		109,462		95,030		36,618		176		466,911
Total	$	2,177	$	49,465	$	91,810	$	83,578	$	109,598	$	95,030	$	36,794	$	176	$	468,628
Greater than 90 days and accruing	$	-	$	-	$	-	$	1,310	$	-	$	-	$	176	$	-	$	1,486
Consumer
30-59 days	$	-	$	-	$	4	$	22	$	-	$	-	$	135	$	-	$	161
60-89 days		-		-		17		16		-		5		-		-		38
Greater than 90 days		-		-		-		-		-		-		-		-		-
Total past due		-		-		21		38		-		5		135		-		199
Current		1,289		10,995		4,360		374		66		246		14,503		-		31,833
Total	$	1,289	$	10,995	$	4,381	$	412	$	66	$	251	$	14,638	$	-	$	32,032
Greater than 90 days and accruing	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Total
30-59 days	$	-	$	24,388	$	5,213	$	559	$	136	$	415	$	10,413	$	1,528	$	42,652
60-89 days		-		635		35		16		816		73		2,154		-		3,729
Greater than 90 days		-		280		522		1,641		416		373		8,922		-		12,154
Total past due		-		25,303		5,770		2,216		1,368		861		21,489		1,528		58,535
Current		268,616		871,129		1,349,732		630,809		377,148		362,505		2,075,104		255,609		6,190,652
Total	$	268,616	$	896,432	$	1,355,502	$	633,025	$	378,516	$	363,366	$	2,096,593	$	257,137	$	6,249,187
Greater than 90 days and accruing	$	-	$	280	$	-	$	1,377	$	416	$	229	$	623	$	-	$	2,925


	As of December 31, 2023
	Amortized Cost Basis by Origination Year and Past Due Status												Amortized Cost Basis
															Revolving loans
											2018 and				converted to
	2023		2022		2021		2020		2019		Prior		Revolving loans		term loans		Total

	(Dollars in thousands)
Commercial and industrial
30-59 days	$	250	$	178	$	—	$	81	$	—	$	136	$	158	$	151	$	954
60-89 days		—		—		—		—		—		—		—		—		—
Greater than 90 days		30		28		347		24		199		—		10,800		2,376		13,804
Total past due		280		206		347		105		199		136		10,958		2,527		14,758
Current		394,177		260,778		204,322		57,732		40,621		19,506		1,097,646		70,672		2,145,454
Total	$	394,457	$	260,984	$	204,669	$	57,837	$	40,820	$	19,642	$	1,108,604	$	73,199	$	2,160,212
Greater than 90 days and accruing	$	30	$	28	$	81	$	—	$	199	$	—	$	2,000	$	2,199	$	4,537
Energy
30-59 days	$	—	$	—	$	—	$	—	$	—	$	—	$	30	$	—	$	30
60-89 days		—		—		—		—		—		—		—		—		—
Greater than 90 days		—		—		—		—		—		—		288		—		288
Total past due		—		—		—		—		—		—		318		—		318
Current		4,581		6,868		—		156		—		—		202,188		107		213,900
Total	$	4,581	$	6,868	$	—	$	156	$	—	$	—	$	202,506	$	107	$	214,218
Greater than 90 days and accruing	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate - owner-occupied
30-59 days	$	—	$	—	$	—	$	371	$	—	$	71	$	—	$	—	$	442
60-89 days		—		—		—		—		—		—		—		—		—
Greater than 90 days		—		—		204		—		—		—		—		—		204
Total past due		—		—		204		371		—		71		—		—		646
Current		69,308		98,946		128,206		65,083		51,555		37,360		76,782		38,367		565,607
Total	$	69,308	$	98,946	$	128,410	$	65,454	$	51,555	$	37,431	$	76,782	$	38,367	$	566,253
Greater than 90 days and accruing	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate - non-owner-occupied
30-59 days	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
60-89 days		—		—		—		—		—		—		—		—		—
Greater than 90 days		—		713		6,029		1,698		—		307		—		—		8,747
Total past due		—		713		6,029		1,698		—		307		—		—		8,747
Current		487,579		861,694		252,132		165,471		82,748		54,105		626,998		146,060		2,676,787
Total	$	487,579	$	862,407	$	258,161	$	167,169	$	82,748	$	54,412	$	626,998	$	146,060	$	2,685,534
Greater than 90 days and accruing	$	—	$	—	$	—	$	—	$	—	$	307	$	—	$	—	$	307
Residential real estate
30-59 days	$	—	$	6	$	—	$	137	$	—	$	—	$	—	$	—	$	143
60-89 days		—		—		—		—		—		—		—		—		—
Greater than 90 days		—		—		1,317		—		—		—		176		—		1,493
Total past due		—		6		1,317		137		—		—		176		—		1,636
Current		37,929		87,726		85,909		114,017		36,792		62,288		37,619		179		462,459
Total	$	37,929	$	87,732	$	87,226	$	114,154	$	36,792	$	62,288	$	37,795	$	179	$	464,095
Greater than 90 days and accruing	$	—	$	—	$	1,317	$	—	$	—	$	—	$	176	$	—	$	1,493
Consumer
30-59 days	$	—	$	219	$	40	$	—	$	—	$	—	$	200	$	—	$	459
60-89 days		—		—		—		—		—		—		—		—		—
Greater than 90 days		—		35		—		—		—		—		—		—		35
Total past due		—		254		40		—		—		—		200		—		494
Current		11,591		5,783		422		77		221		30		18,760		—		36,884
Total	$	11,591	$	6,037	$	462	$	77	$	221	$	30	$	18,960	$	—	$	37,378
Greater than 90 days and accruing	$	—	$	2	$	—	$	—	$	—	$	—	$	—	$	—	$	2
Total
30-59 days	$	250	$	403	$	40	$	589	$	—	$	207	$	388	$	151	$	2,028
60-89 days		—		—		—		—		—		—		—		—		—
Greater than 90 days		30		776		7,897		1,722		199		307		11,264		2,376		24,571
Total past due		280		1,179		7,937		2,311		199		514		11,652		2,527		26,599
Current		1,005,165		1,321,795		670,991		402,536		211,937		173,289		2,059,993		255,385		6,101,091
Total	$	1,005,445	$	1,322,974	$	678,928	$	404,847	$	212,136	$	173,803	$	2,071,645	$	257,912	$	6,127,690
Greater than 90 days and accruing	$	30	$	30	$	1,398	$	—	$	199	$	307	$	2,176	$	2,199	$	6,339

Schedule of Nonaccrual Loans


As of March 31, 2024
	Amortized Cost Basis by Origination Year												Amortized Cost Basis
															Revolving				Non-accrual
															loans				Loans with
											2019 and		Revolving		converted		Total Non-		no related
	2024		2023		2022		2021		2020		Prior		loans		to term loans		accrual Loans		Allowance

	(Dollars in thousands)
Commercial and industrial	$	—	$	2,213	$	—	$	264	$	—	$	144	$	8,100	$	129	$	10,850	$	5,717
Energy		—		—		—		—		—		—		198		—		198		198
Commercial real estate - owner-occupied		—		—		336		—		—		—		—		—		336		336
Commercial real estate - non-owner-occupied		—		—		522		—		—		—		—		—		522		—
Residential real estate		—		—		—		—		—		—		—		176		176		176
Consumer		—		—		—		—		—		—		—		—		—		—
Total	$	—	$	2,213	$	858	$	264	$	—	$	144	$	8,298	$	305	$	12,082	$	6,427


As of December 31, 2023
	Amortized Cost Basis by Origination Year												Amortized Cost Basis
															Revolving				Non-accrual
															loans				Loans with
											2018 and		Revolving		converted		Total Non-		no related
	2023		2022		2021		2020		2019		Prior		loans		to term loans		accrual Loans		Allowance

	(Dollars in thousands)
Commercial and industrial	$	—	$	—	$	266	$	24	$	—	$	—	$	8,839	$	178	$	9,307	$	6,198
Energy		—		—		—		—		—		—		288		—		288		288
Commercial real estate - owner-occupied		—		—		204		—		—		—		—		—		204		204
Commercial real estate - non-owner-occupied		—		713		6,029		1,698		—		—		—		—		8,440		1,698
Residential real estate		—		—		—		—		—		—		—		179		179		179
Consumer		—		33		—		—		—		—		—		—		33		33
Total	$	—	$	746	$	6,499	$	1,722	$	—	$	—	$	9,127	$	357	$	18,451	$	8,600

Summary of Allowance for Credit Losses


	For the Three Months Ended March 31, 2024

					Commercial		Commercial
					Real Estate		Real Estate
	Commercial				Owner-		Non-owner-		Residential
	and Industrial		Energy		Occupied		Occupied		Real Estate		Consumer		Total

	(Dollars in thousands)
Allowance for Credit Losses:
Beginning balance	$	32,244	$	3,143	$	6,445	$	28,130	$	3,456	$	44	$	73,462
Charge-offs		(786)		—		—		(848)		—		—		(1,634)
Recoveries		55		118		—		—		—		—		173
Provision (release)		2,308		(92)		(60)		707		10		(18)		2,855
Ending balance	$	33,821	$	3,169	$	6,385	$	27,989	$	3,466	$	26	$	74,856
Allowance for Credit Losses on Off-Balance Sheet Credit Exposures:
Beginning balance	$	954	$	149	$	125	$	5,096	$	89	$	—	$	6,413
Provision (release)		54		(149)		(36)		(1,076)		6		1		(1,200)
Ending balance	$	1,008	$	—	$	89	$	4,020	$	95	$	1	$	5,213

Net Charge-offs By Year of Origination


	As of March 31, 2024
	Gross Charge-offs by Origination Year												Gross Charge-offs
															Revolving
															loans
															converted		Gross
											2019 and		Revolving		to term		Charge-
	2024		2023		2022		2021		2020		Prior		loans		loans		offs

	(Dollars in thousands)
Commercial and industrial	$	—	$	—	$	—	$	—	$	24	$	—	$	584	$	178	$	786
Energy		—		—		—		—		—		—		—		—		—
Commercial real estate - owner-occupied		—		—		—		—		—		—		—		—		—
Commercial real estate - non-owner-occupied		—		—		163		—		—		—		—		685		848
Residential real estate		—		—		—		—		—		—		—		—		—
Consumer		—		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	163	$	—	$	24	$	—	$	584	$	863	$	1,634

Schedule of Collateral Dependent Loans


As of March 31, 2024
					Amortized Cost of
					Collateral
	Amortized Cost of		Related Allowance		Dependent Loans
	Collateral		for		with no related
Loan Segment and Collateral Description	Dependent Loans		Credit Losses		Allowance

	(Dollars in thousands)
Commercial and industrial
All business assets	$	10,822	$	2,926	$	5,688
Energy
Oil and natural gas properties		198		—		198
Commercial real estate - owner-occupied
Commercial real estate properties		336		—		336
Commercial real estate - non-owner-occupied
Commercial real estate properties		550		16		—
Residential real estate
Residential real estate properties		176		—		176
	$	12,082	$	2,942	$	6,398


As of December 31, 2023
					Amortized Cost of
					Collateral
	Amortized Cost of		Related Allowance		Dependent Loans
	Collateral		for		with no related
Loan Segment and Collateral Description	Dependent Loans		Credit Losses		Allowance

	(Dollars in thousands)
Commercial and industrial
All business assets	$	9,308	$	1,392	$	6,198
Energy
Oil and natural gas properties		288		—		288
Commercial real estate - owner-occupied
Commercial real estate properties		204		—		204
Commercial real estate - non-owner-occupied
Commercial real estate properties		8,440		571		1,698
Residential real estate
Residential real estate properties		179		—		179
Consumer
Vehicles & other personal assets		—		—		—
	$	18,419	$	1,963	$	8,567

Summary of Loan Modifications


	March 31, 2024
	Term Extension
	Amortized Cost Basis		% of Loan Class

	(Dollars in thousands)
Commercial and industrial	$	7,272		0.33	%
Commercial real estate - owner-occupied		4,568		0.79
Commercial real estate - non-owner-occupied		3,236		0.12
Residential real estate		253		0.05
Total Loans	$	15,329


	Balance at March 31, 2024
			30-59 Days		60-89 Days		Greater than 90		Total
	Current		Past Due		Past Due		Days Past Due		Past Due

	(Dollars in thousands)
Commercial and industrial	$	7,022	$	250	$	—	$	—	$	250
Commercial real estate - owner-occupied		64		4,504		—		—		4,504
Commercial real estate - non-owner-occupied		3,236		—		—		—		—
Residential real estate		253		—		—		—		—
Total Loans	$	10,575	$	4,754	$	—	$	—	$	4,754


		March 31, 2024
		Financial Effect
		Term Extension
Commercial and industrial		Added a weighted average 1.1 years to the life of loan, which reduced monthly payment amounts
Commercial real estate - owner-occupied		Added a weighted average 0.5 years to the life of loan, which reduced monthly payment amounts
Commercial real estate - non-owner-occupied		Added a weighted average 0.5 years to the life of loan, which reduced monthly payment amounts
Residential real estate		Added a weighted average 0.4 years to the life of loan, which reduced monthly payment amounts

Loans and Allowance for Credit Losses - Category of Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned fees	$ 6,249,187	$ 6,127,690
Allowance for credit losses on loans	(74,856)	(73,462)
Loans, net of the allowance for credit losses on loans	$ 6,174,331	$ 6,054,228
Percentage Of Loans	100.00%	100.00%
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned fees	$ 2,179,562	$ 2,160,212
Allowance for credit losses on loans	$ (33,821)	$ (32,244)
Percentage Of Loans	35.00%	35.00%
Energy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned fees	$ 221,217	$ 214,218
Allowance for credit losses on loans	$ (3,169)	$ (3,143)
Percentage Of Loans	4.00%	3.00%
Commercial real estate - owner-occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned fees	$ 577,812	$ 566,253
Allowance for credit losses on loans	$ (6,385)	$ (6,445)
Percentage Of Loans	9.00%	9.00%
Commercial real estate - non-owner-occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned fees	$ 2,769,936	$ 2,685,534
Allowance for credit losses on loans	$ (27,989)	$ (28,130)
Percentage Of Loans	44.00%	44.00%
Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned fees	$ 468,628	$ 464,095
Allowance for credit losses on loans	$ (3,466)	$ (3,456)
Percentage Of Loans	7.00%	8.00%
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned fees	$ 32,032	$ 37,378
Allowance for credit losses on loans	$ (26)	$ (44)
Percentage Of Loans	1.00%	1.00%

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Mar. 31, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Securities - Amortized Cost and Fair Value of Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Available-for-sale debt securities
Amortized Cost	$ 860,209	$ 829,387
Gross Unrealized Gains	1,245	2,428
Gross Unrealized Losses	74,851	65,162
Approximate Fair Value	786,603	766,653
Federal agency obligations
Available-for-sale debt securities
Amortized Cost	9,989	9,988
Gross Unrealized Gains	42	84
Approximate Fair Value	10,031	10,072
U.S. Treasury securities
Available-for-sale debt securities
Amortized Cost		4,965
Gross Unrealized Gains		3
Approximate Fair Value		4,968
Mortgage-backed - GSE residential
Available-for-sale debt securities
Amortized Cost	251,994	233,203
Gross Unrealized Gains	280	629
Gross Unrealized Losses	23,614	21,370
Approximate Fair Value	228,660	212,462
Collateralized mortgage obligations - GSE residential
Available-for-sale debt securities
Amortized Cost	71,105	50,125
Gross Unrealized Gains	301	493
Gross Unrealized Losses	1,138	674
Approximate Fair Value	70,268	49,944
State and political subdivisions
Available-for-sale debt securities
Amortized Cost	394,166	396,349
Gross Unrealized Gains	297	497
Gross Unrealized Losses	46,680	40,949
Approximate Fair Value	347,783	355,897
Small Business Administration loan pools
Available-for-sale debt securities
Amortized Cost	123,224	125,017
Gross Unrealized Gains	325	722
Gross Unrealized Losses	2,256	961
Approximate Fair Value	121,293	124,778
Corporate bonds
Available-for-sale debt securities
Amortized Cost	9,731	9,740
Gross Unrealized Losses	1,163	1,208
Approximate Fair Value	$ 8,568	$ 8,532

Consolidated Statements of Cash Flows - Unaudited - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Operating Activities
Net income	$ 18,223	$ 16,108
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	2,414	2,318
Provision for credit losses	1,655	4,421
Accretion of discounts on loans	(488)	(547)
Accretion of discounts and amortization of premiums on securities	285	926
Stock-based compensation	1,270	1,238
Gain on disposal of fixed assets		(4)
Loss on sale of foreclosed assets and related impairments		102
Gain on sale of loans	(537)	(187)
Origination of loans held for sale	(1,612)
Proceeds from sale of loans held for sale	2,913
Deferred income taxes	3,224	1,640
Net increase in bank owned life insurance	(456)	(411)
Net realized gains on equity securities	(22)
Net realized gains on available-for-sale securities	(2)	(63)
Dividends on FHLB stock	(71)	(261)
Changes in:
Interest receivable	(539)	(878)
Other assets	1,762	2,615
Other liabilities	(8,218)	(2,693)
Net cash provided by operating activities	19,801	24,324
Investing Activities
Net change in loans	(128,665)	(275,817)
Purchases of available-for-sale and equity securities	(45,693)	(93,488)
Proceeds from maturities of available-for-sale securities	13,465	5,714
Proceeds from sale of available-for-sale and equity securities		37,069
Proceeds from the sale of foreclosed assets		173
Purchase of premises and equipment	(1,114)	(2,662)
Proceeds from the sale of premises and equipment and related insurance claims		4
Purchase of restricted equity securities		(8,226)
Proceeds from sale of restricted equity securities	291	4,334
Terminated cash flow hedges	(122)
Net cash used in investing activities	(161,838)	(332,899)
Financing Activities
Net increase (decrease) in demand deposits, savings, NOW and money market accounts	89,826	(244,454)
Net increase in time deposits	6,044	430,407
Net decrease in federal funds sold		(20,000)
Repayment of Federal Home Loan Bank advances	(114)	(12,643)
Net proceeds of lines of credit		110,969
Proceeds from issuance of preferred shares, net of issuance cost		7,750
Issuance of common shares, net of issuance cost	2	2
Proceeds from employee stock purchase plan	240	167
Repurchase of common stock	(1,402)
Acquisition of common stock for tax withholding obligations	(860)	(790)
Dividends paid on preferred stock	(155)
Net cash provided by financing activities	93,581	271,408
Decrease in Cash and Cash Equivalents	(48,456)	(37,167)
Cash and Cash Equivalents, Beginning of Period	255,229	300,138
Cash and Cash Equivalents, End of Period	206,773	262,971
Supplemental Cash Flows Information
Interest paid	61,253	35,459
Income taxes paid		$ 24
Repossessed assets in settlement of loans	$ 5,377

Stockholders' Equity - Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2024	May 31, 2024
Class of Stock [Line Items]
Preferred dividends	$ 155
Series A Preferred Stock
Class of Stock [Line Items]
Aggregate dividends	$ 155
Series A Preferred Stock \| Subsequent Event [Member]
Class of Stock [Line Items]
Dividends Payable amount per share		$ 20.00

- Definition

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

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+ Details

Disclosure about Fair Value of Financial Instruments - Quantitative Information about Unobservable Inputs Used in Nonrecurring Basis (Details) $ in Thousands	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	$ 2,288	$ 10,570
Foreclosed assets held-for-sale	5,374
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	2,288	10,570
Foreclosed assets held-for-sale	5,374
Level 3 \| Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	2,288	$ 10,570
Foreclosed assets held-for-sale	$ 5,374
Level 3 \| Appraisal of collateral \| Appraisal of collateral \| Minimum \| Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans, measurement input	0	0
Level 3 \| Appraisal of collateral \| Appraisal of collateral \| Maximum \| Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans, measurement input	0.25	0.56
Level 3 \| Appraisal of collateral \| Appraisal of collateral \| Weighted Average \| Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans, measurement input	0.19	0.22
Level 3 \| Marketability discount \| Market comparable properties \| Minimum \| Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans, measurement input	0.10
Level 3 \| Marketability discount \| Market comparable properties \| Maximum \| Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans, measurement input	0.10
Level 3 \| Marketability discount \| Market comparable properties \| Weighted Average \| Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans, measurement input	0.10

Leases - Narrative (Details) - USD ($)	3 Months Ended
Leases - Narrative (Details) - USD ($)	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Lessee Lease Description [Line Items]
Lessee, Operating Lease, Existence of Option to Extend [true false]	true
Right-of-use asset	$ 29,000,000		$ 30,000,000
Lease liability	$ 33,000,000		$ 34,000,000
Weighted average remaining lease term	10 years 6 months
Weighted average discount rate	2.77%
Operating cash flows paid for operating lease	$ 1,000,000.0	$ 900,000
Operating cash flows paid for finance lease	100,000	$ 100,000
ROU assets that were exchanged for operating lease liabilities	$ 0
Minimum
Lessee Lease Description [Line Items]
Remaining lease term	2 years
Renewal term	5 years
Maximum
Lessee Lease Description [Line Items]
Remaining lease term	18 years
Renewal term	20 years

Derivatives and Hedging - Schedule of Derivative Instruments (Details) - Interest rate products - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Derivatives and Hedging
Asset Derivatives	$ 9,366	$ 7,931
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets
Liability Derivatives	$ 17,449	$ 13,829
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Interest Payable And Other Liabilities	Interest Payable And Other Liabilities
Not Designated as Hedging Instrument
Derivatives and Hedging
Asset Derivatives	$ 9,366	$ 7,830
Liability Derivatives	9,366	7,837
Designated as Hedging Instrument
Derivatives and Hedging
Asset Derivatives		101
Liability Derivatives	$ 8,083	$ 5,992

- Definition

Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.

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- Definition

Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.

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-URI https://asc.fasb.org//1943274/2147480524/946-210-50-1

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org//1943274/2147480524/946-210-50-1

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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-Paragraph 1
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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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 16: 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 21: http://www.xbrl.org/2003/role/disclosureRef
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Reference 23: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
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Reference 24: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482907/825-10-50-10

+ Details

Consolidated Statements of Stockholders' Equity - Unaudited - USD ($) $ in Thousands	Preferred Stock	Common Stock	Treasury Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Loss	Total
Beginning balance at Dec. 31, 2022		$ 530		$ 530,658	$ 206,095	$ (64,557)	$ 608,599
Beginning balance (in shares) at Dec. 31, 2022		48,448,215
Beginning balance (Treasury Stock) at Dec. 31, 2022			$ (64,127)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income (Loss)					16,108		16,108
Other comprehensive gain (loss) - available-for-sale securities						11,246	11,246
Other comprehensive gain (loss) - cash flow hedges						1,171	1,171
Issuance of preferred shares				7,750			7,750
Issuance of preferred shares (in shares)	7,750
Issuance of shares from equity-based awards		$ 2		(623)			(621)
Issuance of shares from equity-based awards (in shares)		152,403
Stock-based compensation				1,238			1,238
Ending balance at Mar. 31, 2023		$ 532		539,023	222,203	(52,140)	645,491
Ending balance (in shares) at Mar. 31, 2023	7,750	48,600,618
Ending balance (Treasury Stock) at Mar. 31, 2023			(64,127)
Beginning balance at Dec. 31, 2023		$ 533		543,556	272,351	(50,046)	$ 708,143
Beginning balance (in shares) at Dec. 31, 2023	7,750	49,335,888					53,326,641
Beginning balance (Treasury Stock) at Dec. 31, 2023			(58,251)				$ (58,251)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income (Loss)					18,223		18,223
Other comprehensive gain (loss) - available-for-sale securities						(8,676)	(8,676)
Other comprehensive gain (loss) - cash flow hedges						(1,747)	(1,747)
Preferred dividends					(155)		(155)
Issuance of shares from equity-based awards		$ 2		(620)			(618)
Issuance of shares from equity-based awards (in shares)		176,750
Open market common shares repurchases			(1,469)				(1,469)
Open market common shares repurchases (in shares)		(112,172)
Stock-based compensation				1,270			1,270
Ending balance at Mar. 31, 2024		$ 535		$ 544,206	$ 290,419	$ (60,469)	$ 714,971
Ending balance (in shares) at Mar. 31, 2024	7,750	49,400,466					53,503,391
Ending balance (Treasury Stock) at Mar. 31, 2024			$ (59,720)				$ (59,720)

Loans and Allowance for Credit Losses - Loans Modifications (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	$ 15,300
Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	15,329
Current \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	10,575
30-59 days \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	4,754
Total past due \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	4,754
Commercial and industrial \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	$ 7,272
Percentage Of Loans Class Modified	0.33%
Weighted average years added to life of loan	1 year 1 month 6 days
Commercial and industrial \| Current \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	$ 7,022
Commercial and industrial \| 30-59 days \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	250
Commercial and industrial \| Total past due \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	250
Commercial real estate - owner-occupied \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	$ 4,568
Percentage Of Loans Class Modified	0.79%
Weighted average years added to life of loan	6 months
Commercial real estate - owner-occupied \| Current \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	$ 64
Commercial real estate - owner-occupied \| 30-59 days \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	4,504
Commercial real estate - owner-occupied \| Total past due \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	4,504
Commercial real estate - non-owner-occupied \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	$ 3,236
Percentage Of Loans Class Modified	0.12%
Weighted average years added to life of loan	6 months
Commercial real estate - non-owner-occupied \| Current \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	$ 3,236
Residential real estate \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	$ 253
Percentage Of Loans Class Modified	0.05%
Weighted average years added to life of loan	4 months 24 days
Residential real estate \| Current \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Loans Modified, Amortized Cost Basis	$ 253

Leases (Tables)

3 Months Ended

Mar. 31, 2024

Leases

Schedule of components of operating lease expense


	Three Months Ended March 31,
	2024		2023

	(Dollars in thousands)
Finance lease amortization of right-of-use asset	$	73	$	70
Finance lease interest on lease liability		66		69
Operating lease expense		862		732
Variable lease expense		339		393
Short-term lease expense		6		5
Total lease expense	$	1,346	$	1,269

Schedule of future minimum lease payments under operating lease


	Operating Leases		Finance Leases

	(Dollars in thousands)
2024	$	2,815	$	367
2025		3,806		490
2026		3,852		490
2027		3,847		528
2028		3,427		540
Thereafter		10,750		7,705
Total lease payments		28,497		10,120
Less: imputed interest		2,775		2,776
Total	$	25,722	$	7,344

Derivatives and Hedging - Schedule of Cash Flow Hedge on Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Derivatives and Hedging
Gain or (Loss) Recognized in OCI on Derivative	$ (2,461)	$ 1,171
Designated as Hedging Instrument \| Interest rate products
Derivatives and Hedging
Gain or (Loss) Recognized in OCI on Derivative	(3,205)	1,540
Gain or (Loss) Recognized in OCI Included Component	(3,205)	1,540
Gain or (Loss) Reclassified from Accumulated OCI into Income	(928)
Gain or (Loss) Reclassified from Accumulated OCI into Income Included Component	(928)
Interest Income \| Designated as Hedging Instrument \| Interest rate products
Derivatives and Hedging
Gain or (Loss) Recognized in OCI on Derivative	(3,215)
Gain or (Loss) Recognized in OCI Included Component	(3,215)
Gain or (Loss) Reclassified from Accumulated OCI into Income	(1,124)
Gain or (Loss) Reclassified from Accumulated OCI into Income Included Component	(1,124)
Interest Expense \| Designated as Hedging Instrument \| Interest rate products
Derivatives and Hedging
Gain or (Loss) Recognized in OCI on Derivative	10	1,540
Gain or (Loss) Recognized in OCI Included Component	10	$ 1,540
Gain or (Loss) Reclassified from Accumulated OCI into Income	196
Gain or (Loss) Reclassified from Accumulated OCI into Income Included Component	$ 196

Consolidated Statements of Comprehensive Income - Unaudited - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Consolidated Statements of Comprehensive Income - Unaudited
Net Income	$ 18,223	$ 16,108
Other Comprehensive (Loss) Income
Unrealized (loss) gain on available-for-sale securities	(10,870)	14,951
Less: income tax (benefit) expense	(2,196)	3,657
Unrealized (loss) gain on available-for-sale securities	(8,674)	11,294
Reclassification adjustment for realized gain included in income	2	63
Less: income tax expense		15
Less: reclassification adjustment for realized gain included in income, net of income tax	2	48
Unrealized (loss) gain on cash flow hedges	(3,205)	1,540
Less: income tax (benefit) expense	(744)	369
Unrealized (loss) gain on cash flow hedges, net of income tax	(2,461)	1,171
Reclassification adjustment for loss on cash flow hedges	(928)
Less: income tax benefit	(214)
Less: reclassification adjustment for loss on cash flow hedges, net of income tax	(714)
Other comprehensive (loss) income	(10,423)	12,417
Comprehensive Income	$ 7,800	$ 28,525

Loans and Allowance for Credit Losses - Company's Loan Portfolio Internal Rating Categories Loan Segments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	$ 268,616	$ 1,005,445
Fiscal Year Before Latest Fiscal Year	896,432	1,322,974
Two Years Before Latest Fiscal Year	1,355,502	678,928
Three Years Before Latest Fiscal Year	633,025	404,847
Four Years Before Latest Fiscal Year	378,516	212,136
Five Or More Years Before Latest Fiscal Year	363,366	173,803
Revolving Loans	2,096,593	2,071,645
Revolving Loans Converted to Term Loans	257,137	257,912
Total Loans Receivable	6,249,187	6,127,690
Non-accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Fiscal Year Before Latest Fiscal Year	2,213	746
Two Years Before Latest Fiscal Year	858	6,499
Three Years Before Latest Fiscal Year	264	1,722
Five Or More Years Before Latest Fiscal Year	144
Revolving Loans	8,298	9,127
Revolving Loans Converted to Term Loans	305	357
Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	251,907	966,682
Fiscal Year Before Latest Fiscal Year	867,097	1,292,876
Two Years Before Latest Fiscal Year	1,321,175	638,243
Three Years Before Latest Fiscal Year	601,946	389,881
Four Years Before Latest Fiscal Year	371,113	191,104
Five Or More Years Before Latest Fiscal Year	335,382	164,112
Revolving Loans	2,030,346	2,023,942
Revolving Loans Converted to Term Loans	236,050	235,006
Total Loans Receivable	6,015,016	5,901,846
Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	11,224	12,537
Fiscal Year Before Latest Fiscal Year	1,676	27,475
Two Years Before Latest Fiscal Year	26,127	25,372
Three Years Before Latest Fiscal Year	20,941	4,597
Four Years Before Latest Fiscal Year	1,921	19,461
Five Or More Years Before Latest Fiscal Year	22,122	6,531
Revolving Loans	24,074	9,748
Revolving Loans Converted to Term Loans	650	3,751
Total Loans Receivable	108,735	109,472
Substandard \| Accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	5,485	26,226
Fiscal Year Before Latest Fiscal Year	25,446	1,877
Two Years Before Latest Fiscal Year	7,342	8,814
Three Years Before Latest Fiscal Year	9,874	8,647
Four Years Before Latest Fiscal Year	5,482	1,571
Five Or More Years Before Latest Fiscal Year	5,718	3,160
Revolving Loans	33,875	28,828
Revolving Loans Converted to Term Loans	20,132	18,798
Total Loans Receivable	113,354	97,921
Substandard \| Non-accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Fiscal Year Before Latest Fiscal Year	2,213	746
Two Years Before Latest Fiscal Year	858	6,499
Three Years Before Latest Fiscal Year	264	1,722
Five Or More Years Before Latest Fiscal Year	144
Revolving Loans	6,105	6,848
Revolving Loans Converted to Term Loans	305	357
Total Loans Receivable	9,889	16,172
Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Revolving Loans	2,193	2,279
Total Loans Receivable	2,193	2,279
Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	166,420	394,457
Fiscal Year Before Latest Fiscal Year	317,819	260,984
Two Years Before Latest Fiscal Year	256,230	204,669
Three Years Before Latest Fiscal Year	166,954	57,837
Four Years Before Latest Fiscal Year	39,598	40,820
Five Or More Years Before Latest Fiscal Year	48,304	19,642
Revolving Loans	1,107,991	1,108,604
Revolving Loans Converted to Term Loans	76,246	73,199
Total Loans Receivable	2,179,562	2,160,212
Commercial and industrial \| Non-accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Fiscal Year Before Latest Fiscal Year	2,213
Two Years Before Latest Fiscal Year		266
Three Years Before Latest Fiscal Year	264	24
Five Or More Years Before Latest Fiscal Year	144
Revolving Loans	8,100	8,839
Revolving Loans Converted to Term Loans	129	178
Commercial and industrial \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	162,797	379,360
Fiscal Year Before Latest Fiscal Year	301,628	258,182
Two Years Before Latest Fiscal Year	253,530	193,302
Three Years Before Latest Fiscal Year	158,058	54,901
Four Years Before Latest Fiscal Year	39,382	38,762
Five Or More Years Before Latest Fiscal Year	45,697	18,801
Revolving Loans	1,042,118	1,061,365
Revolving Loans Converted to Term Loans	57,434	53,015
Total Loans Receivable	2,060,644	2,057,688
Commercial and industrial \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	1,627	2,442
Fiscal Year Before Latest Fiscal Year	1,128	925
Two Years Before Latest Fiscal Year	852	6,000
Three Years Before Latest Fiscal Year	1,966	2,674
Four Years Before Latest Fiscal Year	12	1,460
Five Or More Years Before Latest Fiscal Year	43	26
Revolving Loans	24,074	9,748
Revolving Loans Converted to Term Loans	79	3,175
Total Loans Receivable	29,781	26,450
Commercial and industrial \| Substandard \| Accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	1,996	12,655
Fiscal Year Before Latest Fiscal Year	12,850	1,877
Two Years Before Latest Fiscal Year	1,848	5,101
Three Years Before Latest Fiscal Year	6,666	238
Four Years Before Latest Fiscal Year	204	598
Five Or More Years Before Latest Fiscal Year	2,420	815
Revolving Loans	33,699	28,652
Revolving Loans Converted to Term Loans	18,604	16,831
Total Loans Receivable	78,287	66,767
Commercial and industrial \| Substandard \| Non-accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Fiscal Year Before Latest Fiscal Year	2,213
Two Years Before Latest Fiscal Year		266
Three Years Before Latest Fiscal Year	264	24
Five Or More Years Before Latest Fiscal Year	144
Revolving Loans	6,105	6,848
Revolving Loans Converted to Term Loans	129	178
Total Loans Receivable	8,855	7,316
Commercial and industrial \| Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Revolving Loans	1,995	1,991
Total Loans Receivable	1,995	1,991
Energy
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year		4,581
Fiscal Year Before Latest Fiscal Year	4,583	6,868
Two Years Before Latest Fiscal Year	6,345
Three Years Before Latest Fiscal Year		156
Revolving Loans	208,345	202,506
Revolving Loans Converted to Term Loans	1,944	107
Total Loans Receivable	221,217	214,218
Energy \| Non-accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Revolving Loans	198	288
Energy \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year		4,581
Fiscal Year Before Latest Fiscal Year	4,583	6,868
Two Years Before Latest Fiscal Year	6,345
Three Years Before Latest Fiscal Year		156
Revolving Loans	208,147	202,218
Revolving Loans Converted to Term Loans	1,944	107
Total Loans Receivable	221,019	213,930
Energy \| Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Revolving Loans	198	288
Total Loans Receivable	198	288
Commercial real estate - owner-occupied
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	15,877	69,308
Fiscal Year Before Latest Fiscal Year	59,436	98,946
Two Years Before Latest Fiscal Year	111,076	128,410
Three Years Before Latest Fiscal Year	126,478	65,454
Four Years Before Latest Fiscal Year	66,435	51,555
Five Or More Years Before Latest Fiscal Year	86,421	37,431
Revolving Loans	76,967	76,782
Revolving Loans Converted to Term Loans	35,122	38,367
Total Loans Receivable	577,812	566,253
Commercial real estate - owner-occupied \| Non-accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Two Years Before Latest Fiscal Year	336	204
Commercial real estate - owner-occupied \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	6,280	56,236
Fiscal Year Before Latest Fiscal Year	55,911	92,148
Two Years Before Latest Fiscal Year	103,985	119,684
Three Years Before Latest Fiscal Year	116,685	62,072
Four Years Before Latest Fiscal Year	63,069	49,992
Five Or More Years Before Latest Fiscal Year	80,507	32,936
Revolving Loans	76,967	76,782
Revolving Loans Converted to Term Loans	33,023	36,263
Total Loans Receivable	536,427	526,113
Commercial real estate - owner-occupied \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	9,597	10,095
Fiscal Year Before Latest Fiscal Year	548	6,798
Two Years Before Latest Fiscal Year	5,291	8,522
Three Years Before Latest Fiscal Year	9,793	1,747
Four Years Before Latest Fiscal Year	1,736	793
Five Or More Years Before Latest Fiscal Year	3,114	2,448
Revolving Loans Converted to Term Loans	571	576
Total Loans Receivable	30,650	30,979
Commercial real estate - owner-occupied \| Substandard \| Accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year		2,977
Fiscal Year Before Latest Fiscal Year	2,977
Two Years Before Latest Fiscal Year	1,464
Three Years Before Latest Fiscal Year		1,635
Four Years Before Latest Fiscal Year	1,630	770
Five Or More Years Before Latest Fiscal Year	2,800	2,047
Revolving Loans Converted to Term Loans	1,528	1,528
Total Loans Receivable	10,399	8,957
Commercial real estate - owner-occupied \| Substandard \| Non-accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Two Years Before Latest Fiscal Year	336	204
Total Loans Receivable	336	204
Commercial real estate - non-owner-occupied
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	82,853	487,579
Fiscal Year Before Latest Fiscal Year	454,134	862,407
Two Years Before Latest Fiscal Year	885,660	258,161
Three Years Before Latest Fiscal Year	255,603	167,169
Four Years Before Latest Fiscal Year	162,819	82,748
Five Or More Years Before Latest Fiscal Year	133,360	54,412
Revolving Loans	651,858	626,998
Revolving Loans Converted to Term Loans	143,649	146,060
Total Loans Receivable	2,769,936	2,685,534
Commercial real estate - non-owner-occupied \| Non-accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Fiscal Year Before Latest Fiscal Year		713
Two Years Before Latest Fiscal Year	522	6,029
Three Years Before Latest Fiscal Year		1,698
Commercial real estate - non-owner-occupied \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	79,617	477,238
Fiscal Year Before Latest Fiscal Year	444,515	842,755
Two Years Before Latest Fiscal Year	862,200	242,405
Three Years Before Latest Fiscal Year	246,477	161,845
Four Years Before Latest Fiscal Year	159,192	65,540
Five Or More Years Before Latest Fiscal Year	114,102	50,062
Revolving Loans	651,858	626,998
Revolving Loans Converted to Term Loans	143,649	145,621
Total Loans Receivable	2,701,610	2,612,464
Commercial real estate - non-owner-occupied \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Fiscal Year Before Latest Fiscal Year		18,939
Two Years Before Latest Fiscal Year	18,908	7,331
Three Years Before Latest Fiscal Year	7,228
Four Years Before Latest Fiscal Year		17,208
Five Or More Years Before Latest Fiscal Year	18,960	4,052
Total Loans Receivable	45,096	47,530
Commercial real estate - non-owner-occupied \| Substandard \| Accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	3,236	10,341
Fiscal Year Before Latest Fiscal Year	9,619
Two Years Before Latest Fiscal Year	4,030	2,396
Three Years Before Latest Fiscal Year	1,898	3,626
Four Years Before Latest Fiscal Year	3,627
Five Or More Years Before Latest Fiscal Year	298	298
Revolving Loans Converted to Term Loans		439
Total Loans Receivable	22,708	17,100
Commercial real estate - non-owner-occupied \| Substandard \| Non-accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Fiscal Year Before Latest Fiscal Year		713
Two Years Before Latest Fiscal Year	522	6,029
Three Years Before Latest Fiscal Year		1,698
Total Loans Receivable	522	8,440
Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	2,177	37,929
Fiscal Year Before Latest Fiscal Year	49,465	87,732
Two Years Before Latest Fiscal Year	91,810	87,226
Three Years Before Latest Fiscal Year	83,578	114,154
Four Years Before Latest Fiscal Year	109,598	36,792
Five Or More Years Before Latest Fiscal Year	95,030	62,288
Revolving Loans	36,794	37,795
Revolving Loans Converted to Term Loans	176	179
Total Loans Receivable	468,628	464,095
Residential real estate \| Non-accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Revolving Loans Converted to Term Loans	176	179
Residential real estate \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	1,924	37,676
Fiscal Year Before Latest Fiscal Year	49,465	86,919
Two Years Before Latest Fiscal Year	90,734	82,390
Three Years Before Latest Fiscal Year	80,314	110,853
Four Years Before Latest Fiscal Year	109,425	36,589
Five Or More Years Before Latest Fiscal Year	94,830	62,288
Revolving Loans	36,618	37,619
Total Loans Receivable	463,310	454,334
Residential real estate \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Fiscal Year Before Latest Fiscal Year		813
Two Years Before Latest Fiscal Year	1,076	3,519
Three Years Before Latest Fiscal Year	1,954	176
Four Years Before Latest Fiscal Year	173
Total Loans Receivable	3,203	4,508
Residential real estate \| Substandard \| Accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	253	253
Two Years Before Latest Fiscal Year		1,317
Three Years Before Latest Fiscal Year	1,310	3,125
Four Years Before Latest Fiscal Year		203
Five Or More Years Before Latest Fiscal Year	200
Revolving Loans	176	176
Total Loans Receivable	1,939	5,074
Residential real estate \| Substandard \| Non-accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Revolving Loans Converted to Term Loans	176	179
Total Loans Receivable	176	179
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	1,289	11,591
Fiscal Year Before Latest Fiscal Year	10,995	6,037
Two Years Before Latest Fiscal Year	4,381	462
Three Years Before Latest Fiscal Year	412	77
Four Years Before Latest Fiscal Year	66	221
Five Or More Years Before Latest Fiscal Year	251	30
Revolving Loans	14,638	18,960
Total Loans Receivable	32,032	37,378
Consumer \| Non-accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Fiscal Year Before Latest Fiscal Year		33
Consumer \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	1,289	11,591
Fiscal Year Before Latest Fiscal Year	10,995	6,004
Two Years Before Latest Fiscal Year	4,381	462
Three Years Before Latest Fiscal Year	412	54
Four Years Before Latest Fiscal Year	45	221
Five Or More Years Before Latest Fiscal Year	246	25
Revolving Loans	14,638	18,960
Total Loans Receivable	32,006	37,317
Consumer \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Five Or More Years Before Latest Fiscal Year	5	5
Total Loans Receivable	5	5
Consumer \| Substandard \| Accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Three Years Before Latest Fiscal Year		23
Four Years Before Latest Fiscal Year	21
Total Loans Receivable	$ 21	23
Consumer \| Substandard \| Non-accrual
Financing Receivable, Credit Quality Indicator [Line Items]
Fiscal Year Before Latest Fiscal Year		33
Total Loans Receivable		$ 33

Loans and Allowance for Credit Losses

3 Months Ended

Mar. 31, 2024

Loans and Allowance for Credit Losses

Loans and Allowance for Credit Losses

Note 3: Loans and Allowance for Credit Losses

The table below shows the loan portfolio composition including carrying value by segment as of the dates shown. The carrying value of loans is net of discounts, fees, costs, and fair value marks of $24 million and $25 million as of March 31, 2024 and December 31, 2023, respectively.


	March 31, 2024				December 31, 2023

	Amount		% of Loans		Amount		% of Loans

	(Dollars in thousands)
Commercial and industrial	$	2,179,562	35	%	$	2,160,212	35	%
Energy		221,217	4			214,218	3
Commercial real estate - owner-occupied		577,812	9			566,253	9
Commercial real estate - non-owner-occupied		2,769,936	44			2,685,534	44
Residential real estate		468,628	7			464,095	8
Consumer		32,032	1			37,378	1
Loans, net of unearned fees		6,249,187	100	%		6,127,690	100	%
Less: Allowance for credit losses on loans		(74,856)				(73,462)
Loans, net of the allowance for credit losses on loans	$	6,174,331			$	6,054,228

Accrued interest of $31 million and $30 million at March 31, 2024 and December 31, 2023, respectively, presented in “interest receivable” on the consolidated statements of financial condition is excluded from the amortized cost basis disclosed in the above table.

The Company aggregates the loan portfolio by similar credit risk characteristics. The loan segments are described in additional detail below:

●

Commercial and Industrial - The category includes loans and lines of credit to commercial and industrial clients for use in property, plant, and equipment purchases, business operations, expansions and for working capital needs. Loan terms typically require amortizing payments that decrease the outstanding loan balance while the lines of credit typically require interest-only payments with maturities ranging from one- to three-years. Lines of credit allow the borrower to draw down and repay the line of credit based on the borrower’s cash flow needs. Repayment is primarily from the cash flow of a borrower’s principal business operation. Credit risk is driven by creditworthiness of a borrower and the economic conditions that impact the cash flow stability from business operations.

●

Energy - The category includes loans to oil and natural gas clients for use in financing working capital needs, exploration and production activities, and acquisitions. The loans are repaid primarily from the conversion of crude oil and natural gas to cash. Credit risk is driven by creditworthiness of a borrower and the economic conditions that impact the cash flow stability from business operations. Energy loans are typically collateralized with the underlying oil and gas reserves.

●

Commercial Real Estate - Owner-Occupied - The category includes relationships where the Company is usually the primary provider of financial services for the company and/or the principals and the primary source of repayment is through the cash flows generated by the borrowers’ business operations. Owner-occupied commercial real estate loans are typically secured by a first lien mortgage on real property plus assignments of all leases related to the properties. Credit risk may be impacted by the creditworthiness of a borrower, property values and the local economies in the borrower’s market areas.

●

Commercial Real Estate – Non-Owner-Occupied - The category includes loans that typically involve larger principal amounts and repayment of these loans is generally dependent on the leasing income generated from tenants. These are viewed primarily as cash flow loans and secondarily as loans secured by real estate.

Additionally, the category includes construction and land development loans that are based upon estimates of costs and estimated value of the completed project. Independent appraisals and a financial analysis of the developers and property owners are completed. Sources of repayment include secondary market permanent loans, sales of developed property or an interim loan commitment from the Company until permanent financing is obtained. These loans are higher risk than other real estate loans due to their ultimate repayment being sensitive to interest rate changes, general economic conditions, and the availability of long-term financing.

The category also includes loans that are secured by multifamily properties. Repayment of these loans is primarily dependent on occupancy rates and rental income.

Credit risk for non-owner-occupied commercial real estate loans may be impacted by the creditworthiness of a borrower, property values and the local economies in the borrower’s market areas.

●

Residential Real Estate - The category includes loans that are generally secured by owner-occupied 1-4 family residences. Repayment of these loans is primarily dependent on the personal income and credit rating of the borrowers. We also offer open- and closed-ended home equity loans, which are loans generally secured by second lien positions on residential real estate. Credit risk in these loans can be impacted by economic conditions within or outside the borrower’s market areas that might impact either property values or a borrower’s personal income.

●

Consumer - The category includes personal lines of credit and various term loans such as automobile loans and loans for other personal purposes. Repayment is primarily dependent on the personal income and credit rating of the borrowers. Credit risk is driven by consumer economic factors (such as unemployment and general economic conditions in the borrower’s market area) and the creditworthiness of a borrower.

Risk Ratings

The Company uses a series of grades which reflect its assessment of the credit quality of loans based on an analysis of the borrower's financial condition, liquidity and ability to meet contractual debt service requirements. Risk ratings are established for loans at origination and are monitored on an ongoing basis. The rating assigned to a loan reflects the risks posed by the borrower’s expected performance and the transaction’s structure. Performance metrics used to determine a risk rating include, but are not limited to, cash flow adequacy, liquidity, and collateral. A description of the loan risk ratings follows:

●

Pass - The category includes loans that are considered satisfactory. The category includes borrowers that generally maintain good liquidity and financial condition, or the credit is currently protected with sales trends remaining flat or declining. Most ratios compare favorably with industry norms and Company policies. Debt is programmed and timely repayment is expected.

●

Special Mention - The category includes borrowers that generally exhibit adverse trends in operations or an imbalanced position in their balance sheet that has not reached a point where repayment is jeopardized. Credits are currently protected but, if left uncorrected, the potential weaknesses may result in deterioration of the

repayment prospects for the credit or in the Company’s credit or lien position at a future date. These credits are not adversely classified and do not expose the Company to enough risk to warrant adverse classification.

●

Substandard - The category includes borrowers that generally exhibit well-defined weakness(es) that jeopardize repayment. Credits are inadequately protected by the current worth and paying capacity of the obligor or of the collateral pledged. A distinct possibility exists that the Company will sustain some loss if deficiencies are not corrected. Loss potential, while existing in the aggregate amount of substandard assets, does not have to exist in individual assets classified substandard. Substandard loans include both performing and non-performing loans and are broken out in the table below.

●

Doubtful - The category includes borrowers that exhibit weaknesses inherent in a substandard credit and characteristics that these weaknesses make collection or liquidation in full highly questionable or improbable based on existing facts, conditions, and values. Because of reasonably specific pending factors, which may work to the advantage and strengthening of the assets, classification as a loss is deferred until its more exact status may be determined.

●

Loss - Credits that are considered uncollectible or of such little value that their continuance as a bankable asset is not warranted.

The following tables present the credit risk profile of the Company’s loan portfolio based on internal rating categories and loan segments:


	As of March 31, 2024
	Amortized Cost Basis by Origination Year and Internal Risk Rating												Amortized Cost Basis
	2024		2023		2022		2021		2020		2019 and Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total

	(Dollars in thousands)
Commercial and industrial
Pass	$	162,797	$	301,628	$	253,530	$	158,058	$	39,382	$	45,697	$	1,042,118	$	57,434	$	2,060,644
Special mention		1,627		1,128		852		1,966		12		43		24,074		79		29,781
Substandard - accrual		1,996		12,850		1,848		6,666		204		2,420		33,699		18,604		78,287
Substandard - non-accrual		—		2,213		—		264		—		144		6,105		129		8,855
Doubtful		—		—		—		—		—		—		1,995		—		1,995
Loss		—		—		—		—		—		—		—		—		—
Total	$	166,420	$	317,819	$	256,230	$	166,954	$	39,598	$	48,304	$	1,107,991	$	76,246	$	2,179,562
Energy
Pass	$	—	$	4,583	$	6,345	$	—	$	—	$	—	$	208,147	$	1,944	$	221,019
Special mention		—		—		—		—		—		—		—		—		—
Substandard - accrual		—		—		—		—		—		—		—		—		—
Substandard - non-accrual		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		198		—		198
Loss		—		—		—		—		—		—		—		—		—
Total	$	-	$	4,583	$	6,345	$	-	$	-	$	-	$	208,345	$	1,944	$	221,217
Commercial real estate - owner-occupied
Pass	$	6,280	$	55,911	$	103,985	$	116,685	$	63,069	$	80,507	$	76,967	$	33,023	$	536,427
Special mention		9,597		548		5,291		9,793		1,736		3,114		—		571		30,650
Substandard - accrual		—		2,977		1,464		—		1,630		2,800		—		1,528		10,399
Substandard - non-accrual		—		—		336		—		—		—		—		—		336
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	15,877	$	59,436	$	111,076	$	126,478	$	66,435	$	86,421	$	76,967	$	35,122	$	577,812
Commercial real estate - non-owner-occupied						—
Pass	$	79,617	$	444,515	$	862,200	$	246,477	$	159,192	$	114,102	$	651,858	$	143,649	$	2,701,610
Special mention		—		—		18,908		7,228		—		18,960		—		—		45,096
Substandard - accrual		3,236		9,619		4,030		1,898		3,627		298		—		—		22,708
Substandard - non-accrual		—		—		522		—		—		—		—		—		522
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	82,853	$	454,134	$	885,660	$	255,603	$	162,819	$	133,360	$	651,858	$	143,649	$	2,769,936
Residential real estate
Pass	$	1,924	$	49,465	$	90,734	$	80,314	$	109,425	$	94,830	$	36,618	$	—	$	463,310
Special mention		—		—		1,076		1,954		173		—		—		—		3,203
Substandard - accrual		253		—		—		1,310		—		200		176		—		1,939
Substandard - non-accrual		—		—		—		—		—		—		—		176		176
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	2,177	$	49,465	$	91,810	$	83,578	$	109,598	$	95,030	$	36,794	$	176	$	468,628
Consumer
Pass	$	1,289	$	10,995	$	4,381	$	412	$	45	$	246	$	14,638	$	—	$	32,006
Special mention		—		—		—		—		—		5		—		—		5
Substandard - accrual		—		—		—		—		21		—		—		—		21
Substandard - non-accrual		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	1,289	$	10,995	$	4,381	$	412	$	66	$	251	$	14,638	$	-	$	32,032
Total
Pass	$	251,907	$	867,097	$	1,321,175	$	601,946	$	371,113	$	335,382	$	2,030,346	$	236,050	$	6,015,016
Special mention		11,224		1,676		26,127		20,941		1,921		22,122		24,074		650		108,735
Substandard - accrual		5,485		25,446		7,342		9,874		5,482		5,718		33,875		20,132		113,354
Substandard - non-accrual		—		2,213		858		264		—		144		6,105		305		9,889
Doubtful		—		—		—		—		—		—		2,193		—		2,193
Loss		—		—		—		—		—		—		—		—		—
Total	$	268,616	$	896,432	$	1,355,502	$	633,025	$	378,516	$	363,366	$	2,096,593	$	257,137	$	6,249,187


	As of December 31, 2023
	Amortized Cost Basis by Origination Year and Internal Risk Rating												Amortized Cost Basis
	2023		2022		2021		2020		2019		2018 and Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total

	(Dollars in thousands)
Commercial and industrial
Pass	$	379,360	$	258,182	$	193,302	$	54,901	$	38,762	$	18,801	$	1,061,365	$	53,015	$	2,057,688
Special mention		2,442		925		6,000		2,674		1,460		26		9,748		3,175		26,450
Substandard - accrual		12,655		1,877		5,101		238		598		815		28,652		16,831		66,767
Substandard - non-accrual		—		—		266		24		—		—		6,848		178		7,316
Doubtful		—		—		—		—		—		—		1,991		—		1,991
Loss		—		—		—		—		—		—		—		—		—
Total	$	394,457	$	260,984	$	204,669	$	57,837	$	40,820	$	19,642	$	1,108,604	$	73,199	$	2,160,212
Energy
Pass	$	4,581	$	6,868	$	—	$	156	$	—	$	—	$	202,218	$	107	$	213,930
Special mention		—		—		—		—		—		—		—		—		—
Substandard - accrual		—		—		—		—		—		—		—		—		—
Substandard - non-accrual		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		288		—		288
Loss		—		—		—		—		—		—		—		—		—
Total	$	4,581	$	6,868	$	—	$	156	$	—	$	—	$	202,506	$	107	$	214,218
Commercial real estate - owner-occupied
Pass	$	56,236	$	92,148	$	119,684	$	62,072	$	49,992	$	32,936	$	76,782	$	36,263	$	526,113
Special mention		10,095		6,798		8,522		1,747		793		2,448		—		576		30,979
Substandard - accrual		2,977		—		—		1,635		770		2,047		—		1,528		8,957
Substandard - non-accrual		—		—		204		—		—		—		—		—		204
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	69,308	$	98,946	$	128,410	$	65,454	$	51,555	$	37,431	$	76,782	$	38,367	$	566,253
Commercial real estate - non-owner-occupied
Pass	$	477,238	$	842,755	$	242,405	$	161,845	$	65,540	$	50,062	$	626,998	$	145,621	$	2,612,464
Special mention		—		18,939		7,331		—		17,208		4,052		—		—		47,530
Substandard - accrual		10,341		—		2,396		3,626		—		298		—		439		17,100
Substandard - non-accrual		—		713		6,029		1,698		—		—		—		—		8,440
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	487,579	$	862,407	$	258,161	$	167,169	$	82,748	$	54,412	$	626,998	$	146,060	$	2,685,534
Residential real estate
Pass	$	37,676	$	86,919	$	82,390	$	110,853	$	36,589	$	62,288	$	37,619	$	—	$	454,334
Special mention		—		813		3,519		176		—		—		—		—		4,508
Substandard - accrual		253		—		1,317		3,125		203		—		176		—		5,074
Substandard - non-accrual		—		—		—		—		—		—		—		179		179
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	37,929	$	87,732	$	87,226	$	114,154	$	36,792	$	62,288	$	37,795	$	179	$	464,095
Consumer
Pass	$	11,591	$	6,004	$	462	$	54	$	221	$	25	$	18,960	$	—	$	37,317
Special mention		—		—		—		—		—		5		—		—		5
Substandard - accrual		—		—		—		23		—		—		—		—		23
Substandard - non-accrual		—		33		—		—		—		—		—		—		33
Doubtful		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—
Total	$	11,591	$	6,037	$	462	$	77	$	221	$	30	$	18,960	$	—	$	37,378
Total
Pass	$	966,682	$	1,292,876	$	638,243	$	389,881	$	191,104	$	164,112	$	2,023,942	$	235,006	$	5,901,846
Special mention		12,537		27,475		25,372		4,597		19,461		6,531		9,748		3,751		109,472
Substandard - accrual		26,226		1,877		8,814		8,647		1,571		3,160		28,828		18,798		97,921
Substandard - non-accrual		—		746		6,499		1,722		—		—		6,848		357		16,172
Doubtful		—		—		—		—		—		—		2,279		—		2,279
Loss		—		—		—		—		—		—		—		—		—
Total	$	1,005,445	$	1,322,974	$	678,928	$	404,847	$	212,136	$	173,803	$	2,071,645	$	257,912	$	6,127,690

The following tables present the Company’s loan portfolio aging analysis as of March 31, 2024 and December 31, 2023:


	As of March 31, 2024
	Amortized Cost Basis by Origination Year and Past Due Status												Amortized Cost Basis
															Revolving loans
											2019 and				converted to
	2024		2023		2022		2021		2020		Prior		Revolving loans		term loans		Total

	(Dollars in thousands)
Commercial and industrial
30-59 days	$	-	$	2,558	$	150	$	448	$	-	$	274	$	4,672	$	-	$	8,102
60-89 days		-		62		18		-		-		-		2,154		-		2,234
Greater than 90 days		-		280		-		331		-		144		8,548		-		9,303
Total past due		-		2,900		168		779		-		418		15,374		-		19,639
Current		166,420		314,919		256,062		166,175		39,598		47,886		1,092,617		76,246		2,159,923
Total	$	166,420	$	317,819	$	256,230	$	166,954	$	39,598	$	48,304	$	1,107,991	$	76,246	$	2,179,562
Greater than 90 days and accruing	$	-	$	280	$	-	$	67	$	-	$	-	$	447	$	-	$	794
Energy
30-59 days	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
60-89 days		-		-		-		-		-		-		-		-		-
Greater than 90 days		-		-		-		-		-		-		198		-		198
Total past due		-		-		-		-		-		-		198		-		198
Current		-		4,583		6,345		-		-		-		208,147		1,944		221,019
Total	$	-	$	4,583	$	6,345	$	-	$	-	$	-	$	208,345	$	1,944	$	221,217
Greater than 90 days and accruing	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Commercial real estate - owner-occupied
30-59 days	$	-	$	2,977	$	336	$	-	$	-	$	-	$	-	$	1,528	$	4,841
60-89 days		-		-		-		-		-		-		-		-		-
Greater than 90 days		-		-		-		-		416		229		-		-		645
Total past due		-		2,977		336		-		416		229		-		1,528		5,486
Current		15,877		56,459		110,740		126,478		66,019		86,192		76,967		33,594		572,326
Total	$	15,877	$	59,436	$	111,076	$	126,478	$	66,435	$	86,421	$	76,967	$	35,122	$	577,812
Greater than 90 days and accruing	$	-	$	-	$	-	$	-	$	416	$	229	$	-	$	-	$	645
Commercial real estate - non-owner-occupied
30-59 days	$	-	$	18,853	$	4,717	$	-	$	-	$	141	$	5,606	$	-	$	29,317
60-89 days		-		573		-		-		816		68		-		-		1,457
Greater than 90 days		-		-		522		-		-		-		-		-		522
Total past due		-		19,426		5,239		-		816		209		5,606		-		31,296
Current		82,853		434,708		880,421		255,603		162,003		133,151		646,252		143,649		2,738,640
Total	$	82,853	$	454,134	$	885,660	$	255,603	$	162,819	$	133,360	$	651,858	$	143,649	$	2,769,936
Greater than 90 days and accruing	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Residential real estate
30-59 days	$	-	$	-	$	6	$	89	$	136	$	-	$	-	$	-	$	231
60-89 days		-		-		-		-		-		-		-		-		-
Greater than 90 days		-		-		-		1,310		-		-		176		-		1,486
Total past due		-		-		6		1,399		136		-		176		-		1,717
Current		2,177		49,465		91,804		82,179		109,462		95,030		36,618		176		466,911
Total	$	2,177	$	49,465	$	91,810	$	83,578	$	109,598	$	95,030	$	36,794	$	176	$	468,628
Greater than 90 days and accruing	$	-	$	-	$	-	$	1,310	$	-	$	-	$	176	$	-	$	1,486
Consumer
30-59 days	$	-	$	-	$	4	$	22	$	-	$	-	$	135	$	-	$	161
60-89 days		-		-		17		16		-		5		-		-		38
Greater than 90 days		-		-		-		-		-		-		-		-		-
Total past due		-		-		21		38		-		5		135		-		199
Current		1,289		10,995		4,360		374		66		246		14,503		-		31,833
Total	$	1,289	$	10,995	$	4,381	$	412	$	66	$	251	$	14,638	$	-	$	32,032
Greater than 90 days and accruing	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Total
30-59 days	$	-	$	24,388	$	5,213	$	559	$	136	$	415	$	10,413	$	1,528	$	42,652
60-89 days		-		635		35		16		816		73		2,154		-		3,729
Greater than 90 days		-		280		522		1,641		416		373		8,922		-		12,154
Total past due		-		25,303		5,770		2,216		1,368		861		21,489		1,528		58,535
Current		268,616		871,129		1,349,732		630,809		377,148		362,505		2,075,104		255,609		6,190,652
Total	$	268,616	$	896,432	$	1,355,502	$	633,025	$	378,516	$	363,366	$	2,096,593	$	257,137	$	6,249,187
Greater than 90 days and accruing	$	-	$	280	$	-	$	1,377	$	416	$	229	$	623	$	-	$	2,925


	As of December 31, 2023
	Amortized Cost Basis by Origination Year and Past Due Status												Amortized Cost Basis
															Revolving loans
											2018 and				converted to
	2023		2022		2021		2020		2019		Prior		Revolving loans		term loans		Total

	(Dollars in thousands)
Commercial and industrial
30-59 days	$	250	$	178	$	—	$	81	$	—	$	136	$	158	$	151	$	954
60-89 days		—		—		—		—		—		—		—		—		—
Greater than 90 days		30		28		347		24		199		—		10,800		2,376		13,804
Total past due		280		206		347		105		199		136		10,958		2,527		14,758
Current		394,177		260,778		204,322		57,732		40,621		19,506		1,097,646		70,672		2,145,454
Total	$	394,457	$	260,984	$	204,669	$	57,837	$	40,820	$	19,642	$	1,108,604	$	73,199	$	2,160,212
Greater than 90 days and accruing	$	30	$	28	$	81	$	—	$	199	$	—	$	2,000	$	2,199	$	4,537
Energy
30-59 days	$	—	$	—	$	—	$	—	$	—	$	—	$	30	$	—	$	30
60-89 days		—		—		—		—		—		—		—		—		—
Greater than 90 days		—		—		—		—		—		—		288		—		288
Total past due		—		—		—		—		—		—		318		—		318
Current		4,581		6,868		—		156		—		—		202,188		107		213,900
Total	$	4,581	$	6,868	$	—	$	156	$	—	$	—	$	202,506	$	107	$	214,218
Greater than 90 days and accruing	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate - owner-occupied
30-59 days	$	—	$	—	$	—	$	371	$	—	$	71	$	—	$	—	$	442
60-89 days		—		—		—		—		—		—		—		—		—
Greater than 90 days		—		—		204		—		—		—		—		—		204
Total past due		—		—		204		371		—		71		—		—		646
Current		69,308		98,946		128,206		65,083		51,555		37,360		76,782		38,367		565,607
Total	$	69,308	$	98,946	$	128,410	$	65,454	$	51,555	$	37,431	$	76,782	$	38,367	$	566,253
Greater than 90 days and accruing	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate - non-owner-occupied
30-59 days	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
60-89 days		—		—		—		—		—		—		—		—		—
Greater than 90 days		—		713		6,029		1,698		—		307		—		—		8,747
Total past due		—		713		6,029		1,698		—		307		—		—		8,747
Current		487,579		861,694		252,132		165,471		82,748		54,105		626,998		146,060		2,676,787
Total	$	487,579	$	862,407	$	258,161	$	167,169	$	82,748	$	54,412	$	626,998	$	146,060	$	2,685,534
Greater than 90 days and accruing	$	—	$	—	$	—	$	—	$	—	$	307	$	—	$	—	$	307
Residential real estate
30-59 days	$	—	$	6	$	—	$	137	$	—	$	—	$	—	$	—	$	143
60-89 days		—		—		—		—		—		—		—		—		—
Greater than 90 days		—		—		1,317		—		—		—		176		—		1,493
Total past due		—		6		1,317		137		—		—		176		—		1,636
Current		37,929		87,726		85,909		114,017		36,792		62,288		37,619		179		462,459
Total	$	37,929	$	87,732	$	87,226	$	114,154	$	36,792	$	62,288	$	37,795	$	179	$	464,095
Greater than 90 days and accruing	$	—	$	—	$	1,317	$	—	$	—	$	—	$	176	$	—	$	1,493
Consumer
30-59 days	$	—	$	219	$	40	$	—	$	—	$	—	$	200	$	—	$	459
60-89 days		—		—		—		—		—		—		—		—		—
Greater than 90 days		—		35		—		—		—		—		—		—		35
Total past due		—		254		40		—		—		—		200		—		494
Current		11,591		5,783		422		77		221		30		18,760		—		36,884
Total	$	11,591	$	6,037	$	462	$	77	$	221	$	30	$	18,960	$	—	$	37,378
Greater than 90 days and accruing	$	—	$	2	$	—	$	—	$	—	$	—	$	—	$	—	$	2
Total
30-59 days	$	250	$	403	$	40	$	589	$	—	$	207	$	388	$	151	$	2,028
60-89 days		—		—		—		—		—		—		—		—		—
Greater than 90 days		30		776		7,897		1,722		199		307		11,264		2,376		24,571
Total past due		280		1,179		7,937		2,311		199		514		11,652		2,527		26,599
Current		1,005,165		1,321,795		670,991		402,536		211,937		173,289		2,059,993		255,385		6,101,091
Total	$	1,005,445	$	1,322,974	$	678,928	$	404,847	$	212,136	$	173,803	$	2,071,645	$	257,912	$	6,127,690
Greater than 90 days and accruing	$	30	$	30	$	1,398	$	—	$	199	$	307	$	2,176	$	2,199	$	6,339

Non-accrual loans are loans for which the Company does not record interest income. The accrual of interest on loans is discontinued at the time the loan is 90 days past due unless the credit is well secured and in process of collection. Past due status is based on contractual terms of the loan. In all cases, loans are placed on non-accrual or charged off at an earlier date, if collection of principal or interest is considered doubtful. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. The following table presents the Company’s non-accrual loans by loan segments at March 31, 2024 and December 31, 2023:


As of March 31, 2024
	Amortized Cost Basis by Origination Year												Amortized Cost Basis
															Revolving				Non-accrual
															loans				Loans with
											2019 and		Revolving		converted		Total Non-		no related
	2024		2023		2022		2021		2020		Prior		loans		to term loans		accrual Loans		Allowance

	(Dollars in thousands)
Commercial and industrial	$	—	$	2,213	$	—	$	264	$	—	$	144	$	8,100	$	129	$	10,850	$	5,717
Energy		—		—		—		—		—		—		198		—		198		198
Commercial real estate - owner-occupied		—		—		336		—		—		—		—		—		336		336
Commercial real estate - non-owner-occupied		—		—		522		—		—		—		—		—		522		—
Residential real estate		—		—		—		—		—		—		—		176		176		176
Consumer		—		—		—		—		—		—		—		—		—		—
Total	$	—	$	2,213	$	858	$	264	$	—	$	144	$	8,298	$	305	$	12,082	$	6,427


As of December 31, 2023
	Amortized Cost Basis by Origination Year												Amortized Cost Basis
															Revolving				Non-accrual
															loans				Loans with
											2018 and		Revolving		converted		Total Non-		no related
	2023		2022		2021		2020		2019		Prior		loans		to term loans		accrual Loans		Allowance

	(Dollars in thousands)
Commercial and industrial	$	—	$	—	$	266	$	24	$	—	$	—	$	8,839	$	178	$	9,307	$	6,198
Energy		—		—		—		—		—		—		288		—		288		288
Commercial real estate - owner-occupied		—		—		204		—		—		—		—		—		204		204
Commercial real estate - non-owner-occupied		—		713		6,029		1,698		—		—		—		—		8,440		1,698
Residential real estate		—		—		—		—		—		—		—		179		179		179
Consumer		—		33		—		—		—		—		—		—		33		33
Total	$	—	$	746	$	6,499	$	1,722	$	—	$	—	$	9,127	$	357	$	18,451	$	8,600

Interest income recognized on non-accrual loans was zero during the three months ended March 31, 2024 and 2023.

Allowance for Credit Losses

The Company’s CECL committee meets at least quarterly to oversee the ACL methodology. The committee estimates the ACL using relevant available information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. The ACL represents the Company’s current estimate of lifetime credit losses inherent in the loan portfolio at the statement of financial condition date. The ACL is adjusted for expected prepayments when appropriate and excludes expected extensions, renewals, and modifications.

The ACL is the sum of three components: (i) asset specific / individual loan reserves; (ii) quantitative (formulaic or pooled) reserves; and (iii) qualitative (judgmental) reserves.

Asset Specific - When unique qualities cause a loan’s exposure to loss to be inconsistent with the pooled reserves, the loan is individually evaluated. Individual reserves are calculated for loans that are risk-rated substandard and on non-accrual and loans that are risk-rated doubtful or loss that are greater than a defined dollar threshold. Reserves on asset specific loans may be based on collateral, for collateral-dependent loans, or on quantitative and qualitative factors, including expected cash flow, market sentiment, and guarantor support.

Quantitative - The Company used the cohort method, which identifies and captures the balance of a pool of loans with similar risk characteristics as of a particular time to form a cohort. The cohort is then tracked for losses over the remaining life of loans or until the pool is exhausted. The Company used a lookback period of approximately six-years to establish the cohort population. By using the historical data timeframe, the Company can establish a historical loss factor for each of its loan segments.

Qualitative – The Company uses qualitative factors to adjust the historical loss factors for current conditions. The Company primarily uses the following qualitative factors:

●

The nature and volume of changes in risk ratings;

●

The volume and severity of past due loans;

●

The volume of non-accrual loans;

●

The nature and volume of the loan portfolio, including the existence, growth, and effect of any concentrations of credit;

●

Changes in the Institute of Supply Management’s Purchasing Manager Indices (“PMI”) for services and manufacturing;

●

Changes in collateral values;

●

Changes in lending policies, procedures, and quality of loan reviews;

●

Changes in lending staff; and

●

Changes in competition, legal and regulatory environments

In addition to the current condition qualitative adjustments, the Company uses the Federal Reserve’s unemployment forecast to adjust the ACL based on forward-looking guidance. The Federal Reserve’s unemployment forecast extends three years and is eventually reverted to the mean of six percent by year 10.

The following table presents the activity in the allowance for credit losses and allowance for credit losses on off-balance sheet credit exposures by loan segment for the three months ended March 31, 2024:


	For the Three Months Ended March 31, 2024

					Commercial		Commercial
					Real Estate		Real Estate
	Commercial				Owner-		Non-owner-		Residential
	and Industrial		Energy		Occupied		Occupied		Real Estate		Consumer		Total

	(Dollars in thousands)
Allowance for Credit Losses:
Beginning balance	$	32,244	$	3,143	$	6,445	$	28,130	$	3,456	$	44	$	73,462
Charge-offs		(786)		—		—		(848)		—		—		(1,634)
Recoveries		55		118		—		—		—		—		173
Provision (release)		2,308		(92)		(60)		707		10		(18)		2,855
Ending balance	$	33,821	$	3,169	$	6,385	$	27,989	$	3,466	$	26	$	74,856
Allowance for Credit Losses on Off-Balance Sheet Credit Exposures:
Beginning balance	$	954	$	149	$	125	$	5,096	$	89	$	—	$	6,413
Provision (release)		54		(149)		(36)		(1,076)		6		1		(1,200)
Ending balance	$	1,008	$	—	$	89	$	4,020	$	95	$	1	$	5,213

The ACL balance increased $1.4 million during the quarter ended March 31, 2024 and included provision of $2.9 million due to loan growth and an increase in specific reserves. Net charge-offs were $1.5 million, primarily due to charge-offs on two commercial and industrial loans, two commercial real estate – non-owner-occupied loans and one credit card account. One of the charge-offs on commercial real estate – non-owner-occupied loans was a partial charge-off of a commercial construction non-accrual credit that moved to foreclosed assets held for sale during the quarter. The reserve on unfunded commitments decreased $1.2 million due to a decrease in unfunded commitments.

The following table presents the Company’s gross charge-offs by year of origination for the three months ended March 31, 2024:


	As of March 31, 2024
	Gross Charge-offs by Origination Year												Gross Charge-offs
															Revolving
															loans
															converted		Gross
											2019 and		Revolving		to term		Charge-
	2024		2023		2022		2021		2020		Prior		loans		loans		offs

	(Dollars in thousands)
Commercial and industrial	$	—	$	—	$	—	$	—	$	24	$	—	$	584	$	178	$	786
Energy		—		—		—		—		—		—		—		—		—
Commercial real estate - owner-occupied		—		—		—		—		—		—		—		—		—
Commercial real estate - non-owner-occupied		—		—		163		—		—		—		—		685		848
Residential real estate		—		—		—		—		—		—		—		—		—
Consumer		—		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	163	$	—	$	24	$	—	$	584	$	863	$	1,634

Collateral Dependent Loans:

Collateral dependent loans are loans for which the repayment is expected to be provided substantially through the operation or sale of the collateral and the borrower is experiencing financial difficulty. The following tables present the amortized cost balance of loans considered collateral dependent by loan segment and collateral type as of March 31, 2024 and December 31, 2023:


As of March 31, 2024
					Amortized Cost of
					Collateral
	Amortized Cost of		Related Allowance		Dependent Loans
	Collateral		for		with no related
Loan Segment and Collateral Description	Dependent Loans		Credit Losses		Allowance

	(Dollars in thousands)
Commercial and industrial
All business assets	$	10,822	$	2,926	$	5,688
Energy
Oil and natural gas properties		198		—		198
Commercial real estate - owner-occupied
Commercial real estate properties		336		—		336
Commercial real estate - non-owner-occupied
Commercial real estate properties		550		16		—
Residential real estate
Residential real estate properties		176		—		176
	$	12,082	$	2,942	$	6,398


As of December 31, 2023
					Amortized Cost of
					Collateral
	Amortized Cost of		Related Allowance		Dependent Loans
	Collateral		for		with no related
Loan Segment and Collateral Description	Dependent Loans		Credit Losses		Allowance

	(Dollars in thousands)
Commercial and industrial
All business assets	$	9,308	$	1,392	$	6,198
Energy
Oil and natural gas properties		288		—		288
Commercial real estate - owner-occupied
Commercial real estate properties		204		—		204
Commercial real estate - non-owner-occupied
Commercial real estate properties		8,440		571		1,698
Residential real estate
Residential real estate properties		179		—		179
Consumer
Vehicles & other personal assets		—		—		—
	$	18,419	$	1,963	$	8,567

Loan Modifications

The Company considers loans to borrowers experiencing financial difficulties to be troubled loans and is required to evaluate whether loan modifications represent a new loan or a continuation of an existing loan. Such troubled debt modifications (“TDMs”) may include principal forgiveness, interest rate reductions, other-than-insignificant-payment delays, term extensions or any combination thereof.

The Company modified 12 loans that are considered TDMs in the preceding twelve months ended March 31, 2024, including six loans in the current quarter, with an amortized cost basis at March 31, 2024 of $15.3 million to facilitate repayment. The following table presents, by loan segment, the amortized cost basis as of the date shown for modified loans to borrowers experiencing financial difficulty:


	March 31, 2024
	Term Extension
	Amortized Cost Basis		% of Loan Class

	(Dollars in thousands)
Commercial and industrial	$	7,272		0.33	%
Commercial real estate - owner-occupied		4,568		0.79
Commercial real estate - non-owner-occupied		3,236		0.12
Residential real estate		253		0.05
Total Loans	$	15,329

The following schedule presents the payment status by loan segment, as of March 31, 2024, of the amortized cost basis of loans that have been modified since April 1, 2023:


	Balance at March 31, 2024
			30-59 Days		60-89 Days		Greater than 90		Total
	Current		Past Due		Past Due		Days Past Due		Past Due

	(Dollars in thousands)
Commercial and industrial	$	7,022	$	250	$	—	$	—	$	250
Commercial real estate - owner-occupied		64		4,504		—		—		4,504
Commercial real estate - non-owner-occupied		3,236		—		—		—		—
Residential real estate		253		—		—		—		—
Total Loans	$	10,575	$	4,754	$	—	$	—	$	4,754

The Company had no TDMs that were modified and had defaulted on their modified terms during the three months ended March 31, 2024. For purposes of this disclosure, the Company considers “default” to mean 90 days or more past due on principal or interest. The allowance for credit losses related to TDMs on non-accrual status is determined by individual evaluation, including collateral adequacy, using the same process as loans on non-accrual status which are not classified as TDMs.

The following schedule presents the financial effect of the modifications made to borrowers experiencing financial difficulty as of March 31, 2024:


		March 31, 2024
		Financial Effect
		Term Extension
Commercial and industrial		Added a weighted average 1.1 years to the life of loan, which reduced monthly payment amounts
Commercial real estate - owner-occupied		Added a weighted average 0.5 years to the life of loan, which reduced monthly payment amounts
Commercial real estate - non-owner-occupied		Added a weighted average 0.5 years to the life of loan, which reduced monthly payment amounts
Residential real estate		Added a weighted average 0.4 years to the life of loan, which reduced monthly payment amounts

Allowance for Credit Losses on Off-Balance Sheet Credit Exposures

The Company estimates expected credit losses for off-balance sheet credit exposures unless the obligation is unconditionally cancellable by the Company. The ACL on off-balance sheet credit exposures is adjusted as a provision (release) for credit loss expense. The estimate is calculated for each loan segment and includes consideration of the likelihood that funding will occur and an estimate of the expected credit losses on commitments expected to be funded over its estimated life. For each pool of contractual obligations expected to be funded, the Company uses the reserve rate established for the related loan pools. The $5 million and $6 million allowance for credit losses on off-balance sheet credit exposures at March 31, 2024 and December 31, 2023, respectively, are included in “interest payable and other liabilities” on the statements of financial condition.

The following categories of off-balance sheet credit exposures have been identified:

●

Loan commitments – include revolving lines of credit, non-revolving lines of credit, and loans approved that are not yet funded. Risks inherent to revolving lines of credit often are related to the susceptibility of an individual or business experiencing unpredictable cash flow or financial troubles, thus leading to payment default. The primary risk associated with non-revolving lines of credit is the diversion of funds for other expenditures.

●

Letters of credit – are primarily established to provide assurance to the beneficiary that the applicant will perform certain obligations arising out of a separate transaction between the beneficiary and applicant. If the obligation is not met, it gives the beneficiary the right to draw on the letter of credit.

Changes in Accumulated Other Comprehensive Loss

3 Months Ended

Mar. 31, 2024

Changes in Accumulated Other Comprehensive Loss

Changes in Accumulated Other Comprehensive Loss

Note 8: Change in Accumulated Other Comprehensive Loss

Amounts reclassified from AOCI and the affected line items in the consolidated statements of operations were as follows:


	Three Months Ended March 31,				Affected Line Item in the
	2024		2023		Statements of Operations

	(Dollars in thousands)
Realized gain on available-for-sale securities	$	2	$	63	Other non-interest income
Less: tax expense effect		—		15	Income tax expense
Realized gain on available-for-sale securities, net of income tax		2		48
Loss on cash flow hedges		(1,124)		—	Interest income - Loans
Gain on cash flow hedges		196		—	Interest expense - Deposits
Less: tax benefit effect		(214)		—	Income tax expense
Net loss on cash flow hedges, net of tax		(714)		—
Total reclassified amount	$	(712)	$	48

Loans and Allowance for Credit Losses - Non-Accrual Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Financing Receivable, Nonaccrual [Line Items]
Current Fiscal Year	$ 268,616	$ 1,005,445
Fiscal Year Before Latest Fiscal Year	896,432	1,322,974
Two Years Before Latest Fiscal Year	1,355,502	678,928
Three Years Before Latest Fiscal Year	633,025	404,847
Four Years Before Latest Fiscal Year	378,516	212,136
Five Or More Years Before Latest Fiscal Year	363,366	173,803
Revolving Loans	2,096,593	2,071,645
Revolving Loans Converted to Term Loans	257,137	257,912
Non-accrual
Financing Receivable, Nonaccrual [Line Items]
Fiscal Year Before Latest Fiscal Year	2,213	746
Two Years Before Latest Fiscal Year	858	6,499
Three Years Before Latest Fiscal Year	264	1,722
Five Or More Years Before Latest Fiscal Year	144
Revolving Loans	8,298	9,127
Revolving Loans Converted to Term Loans	305	357
Total non-accrual loans	12,082	18,451
Nonaccrual Loans with no related Allowance	6,427	8,600
Commercial and industrial
Financing Receivable, Nonaccrual [Line Items]
Current Fiscal Year	166,420	394,457
Fiscal Year Before Latest Fiscal Year	317,819	260,984
Two Years Before Latest Fiscal Year	256,230	204,669
Three Years Before Latest Fiscal Year	166,954	57,837
Four Years Before Latest Fiscal Year	39,598	40,820
Five Or More Years Before Latest Fiscal Year	48,304	19,642
Revolving Loans	1,107,991	1,108,604
Revolving Loans Converted to Term Loans	76,246	73,199
Commercial and industrial \| Non-accrual
Financing Receivable, Nonaccrual [Line Items]
Fiscal Year Before Latest Fiscal Year	2,213
Two Years Before Latest Fiscal Year		266
Three Years Before Latest Fiscal Year	264	24
Five Or More Years Before Latest Fiscal Year	144
Revolving Loans	8,100	8,839
Revolving Loans Converted to Term Loans	129	178
Total non-accrual loans	10,850	9,307
Nonaccrual Loans with no related Allowance	5,717	6,198
Energy
Financing Receivable, Nonaccrual [Line Items]
Current Fiscal Year		4,581
Fiscal Year Before Latest Fiscal Year	4,583	6,868
Two Years Before Latest Fiscal Year	6,345
Three Years Before Latest Fiscal Year		156
Revolving Loans	208,345	202,506
Revolving Loans Converted to Term Loans	1,944	107
Energy \| Non-accrual
Financing Receivable, Nonaccrual [Line Items]
Revolving Loans	198	288
Total non-accrual loans	198	288
Nonaccrual Loans with no related Allowance	198	288
Commercial real estate - owner-occupied
Financing Receivable, Nonaccrual [Line Items]
Current Fiscal Year	15,877	69,308
Fiscal Year Before Latest Fiscal Year	59,436	98,946
Two Years Before Latest Fiscal Year	111,076	128,410
Three Years Before Latest Fiscal Year	126,478	65,454
Four Years Before Latest Fiscal Year	66,435	51,555
Five Or More Years Before Latest Fiscal Year	86,421	37,431
Revolving Loans	76,967	76,782
Revolving Loans Converted to Term Loans	35,122	38,367
Commercial real estate - owner-occupied \| Non-accrual
Financing Receivable, Nonaccrual [Line Items]
Two Years Before Latest Fiscal Year	336	204
Total non-accrual loans	336	204
Nonaccrual Loans with no related Allowance	336	204
Commercial real estate - non-owner-occupied
Financing Receivable, Nonaccrual [Line Items]
Current Fiscal Year	82,853	487,579
Fiscal Year Before Latest Fiscal Year	454,134	862,407
Two Years Before Latest Fiscal Year	885,660	258,161
Three Years Before Latest Fiscal Year	255,603	167,169
Four Years Before Latest Fiscal Year	162,819	82,748
Five Or More Years Before Latest Fiscal Year	133,360	54,412
Revolving Loans	651,858	626,998
Revolving Loans Converted to Term Loans	143,649	146,060
Commercial real estate - non-owner-occupied \| Non-accrual
Financing Receivable, Nonaccrual [Line Items]
Fiscal Year Before Latest Fiscal Year		713
Two Years Before Latest Fiscal Year	522	6,029
Three Years Before Latest Fiscal Year		1,698
Total non-accrual loans	522	8,440
Nonaccrual Loans with no related Allowance		1,698
Residential real estate
Financing Receivable, Nonaccrual [Line Items]
Current Fiscal Year	2,177	37,929
Fiscal Year Before Latest Fiscal Year	49,465	87,732
Two Years Before Latest Fiscal Year	91,810	87,226
Three Years Before Latest Fiscal Year	83,578	114,154
Four Years Before Latest Fiscal Year	109,598	36,792
Five Or More Years Before Latest Fiscal Year	95,030	62,288
Revolving Loans	36,794	37,795
Revolving Loans Converted to Term Loans	176	179
Residential real estate \| Non-accrual
Financing Receivable, Nonaccrual [Line Items]
Revolving Loans Converted to Term Loans	176	179
Total non-accrual loans	176	179
Nonaccrual Loans with no related Allowance	176	179
Consumer
Financing Receivable, Nonaccrual [Line Items]
Current Fiscal Year	1,289	11,591
Fiscal Year Before Latest Fiscal Year	10,995	6,037
Two Years Before Latest Fiscal Year	4,381	462
Three Years Before Latest Fiscal Year	412	77
Four Years Before Latest Fiscal Year	66	221
Five Or More Years Before Latest Fiscal Year	251	30
Revolving Loans	$ 14,638	18,960
Consumer \| Non-accrual
Financing Receivable, Nonaccrual [Line Items]
Fiscal Year Before Latest Fiscal Year		33
Total non-accrual loans		33
Nonaccrual Loans with no related Allowance		$ 33

Loans and Allowance for Credit Losses - Allowance for Credit Losses (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($)
Allowance for loan losses
Beginning balance	$ 73,462
Charge-offs	(1,634)
Recoveries	173
Provision (release)	2,855
Ending balance	74,856
Allowance for Credit Losses on Off-Balance Sheet
Beginning balance	6,413
Provision (credit)	(1,200)
Ending balance	5,213
Commercial and industrial
Allowance for loan losses
Beginning balance	32,244
Charge-offs	(786)
Recoveries	55
Provision (release)	2,308
Ending balance	33,821
Allowance for Credit Losses on Off-Balance Sheet
Beginning balance	954
Provision (credit)	54
Ending balance	1,008
Energy
Allowance for loan losses
Beginning balance	3,143
Recoveries	118
Provision (release)	(92)
Ending balance	3,169
Allowance for Credit Losses on Off-Balance Sheet
Beginning balance	149
Provision (credit)	(149)
Commercial real estate - owner-occupied
Allowance for loan losses
Beginning balance	6,445
Provision (release)	(60)
Ending balance	6,385
Allowance for Credit Losses on Off-Balance Sheet
Beginning balance	125
Provision (credit)	(36)
Ending balance	89
Commercial real estate - non-owner-occupied
Allowance for loan losses
Beginning balance	28,130
Charge-offs	(848)
Provision (release)	707
Ending balance	27,989
Allowance for Credit Losses on Off-Balance Sheet
Beginning balance	5,096
Provision (credit)	(1,076)
Ending balance	4,020
Residential real estate
Allowance for loan losses
Beginning balance	3,456
Provision (release)	10
Ending balance	3,466
Allowance for Credit Losses on Off-Balance Sheet
Beginning balance	89
Provision (credit)	6
Ending balance	95
Consumer
Allowance for loan losses
Beginning balance	44
Provision (release)	(18)
Ending balance	26
Allowance for Credit Losses on Off-Balance Sheet
Provision (credit)	1
Ending balance	$ 1

Goodwill and Core Deposit Intangible - Core Deposit Intangible Future Amortization Expense (Details) $ in Thousands	Mar. 31, 2024 USD ($)
Estimated Amortization Expense Over Next Five Years for Core Deposit Intangible
For the nine months ending December 31, 2024	$ 2,638
For the year ending December 31, 2025	3,155
For the year ending December 31, 2026	2,739
For the year ending December 31, 2027	2,325
For the year ending December 31, 2028	$ 1,909

Time Deposits and Borrowings (Tables)

3 Months Ended

Mar. 31, 2024

Time Deposits and Borrowings

Schedule of Time Deposit Maturities and Borrowings


	As of March 31, 2024
	Within One		One to Two		Two to Three		Three to		Four to Five		After Five
	Year		Years		Years		Four Years		Years		Years		Total

	(Dollars in thousands)
Time deposits	$	1,662,674	$	170,867	$	1,305	$	1,500	$	790	$	—	$	1,837,136
FHLB borrowings		1,549		11,291		—		50,000		15,000		—		77,840
SBA secured borrowing		—		—		—		—		—		7,778		7,778
Trust preferred securities⁽¹⁾		—		—		—		—		—		1,133		1,133
Total	$	1,664,223	$	182,158	$	1,305	$	51,500	$	15,790	$	8,911	$	1,923,887

(1)	The contract value of the trust preferred securities is $2.6 million and is currently being accreted to the maturity date of 2035.

Leases - Components of operating lease expense (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Components of operating lease expense
Finance lease amortization of right-of-use asset	$ 73	$ 70
Finance lease interest on lease liability	66	69
Operating lease expense	862	732
Variable lease expense	339	393
Short-term lease expense	6	5
Total lease expense	$ 1,346	$ 1,269

Nature of Operations and Summary of Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2024
Nature of Operations and Summary of Significant Accounting Policies
Basis of Presentation	Basis of Presentation The accompanying interim unaudited consolidated financial statements serve to update the CrossFirst Bankshares, Inc. Annual Report on Form 10-K for the year ended December 31, 2023 and include the consolidated accounts of Bankshares, the Bank, CFI, CFBSA I, LLC and CFBSA II, LLC (together, referred to herein as the “Company”). The accompanying unaudited consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) and where applicable, with general practices in the banking industry or guidelines prescribed by bank regulatory agencies. However, they may not include all information and notes necessary to constitute a complete set of financial statements under GAAP applicable to annual periods and accordingly should be read in conjunction with the financial information contained in the Company's most recent Annual Report on Form 10-K. The unaudited consolidated financial statements reflect all adjustments which are, in the opinion of management, necessary for a fair statement of the results presented. All such adjustments are of a normal recurring nature. All significant intercompany balances and transactions have been eliminated in consolidation. Certain reclassifications of prior years' amounts are made whenever necessary to conform to current period presentation. The results of operations for the interim period are not necessarily indicative of the results that may be expected for the full year or any other interim period. All amounts are in thousands, except share data, or as otherwise noted. GAAP requires management to make estimates that affect the reported amounts of assets, liabilities, revenues and expenses, and disclosures of contingent assets and liabilities. By their nature, estimates are based on judgment and available information. Management has made significant estimates in certain areas, such as the fair values of financial instruments, and the allowance for credit losses (“ACL”). Because of the inherent uncertainties associated with any estimation process and future changes in market and economic conditions, it is possible that actual results could differ significantly from those estimates. The Company's significant accounting policies followed in the preparation of the unaudited consolidated financial statements are disclosed in Note 1 of the audited financial statements and notes for the year ended December 31, 2023 and are contained in the Company's Annual Report on Form 10-K for that period. There have been no significant changes to the application of significant accounting policies since December 31, 2023.
Related Party Transactions	Related Party Transactions The Bank extends credit and receives deposits from related parties. In management’s opinion, the loans and deposits were made in the ordinary course of business and made on similar terms as those prevailing at the time with other persons. Related party loans totaled $10 million and $12 million, while related party deposits totaled $105 million and $106 million, at March 31, 2024 and December 31, 2023, respectively. Related parties also owned $6 million of the Company’s Series A Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share (“Series A Preferred Stock”), at March 31, 2024.
Recent Accounting Pronouncements	Recent Accounting Pronouncements Accounting pronouncements not yet adopted by the Company In November 2023, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures, which requires enhanced disclosures on both an annual and interim basis about significant segment expenses, including for companies with only one reportable segment. This ASU is effective on a retrospective basis for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. The Company is evaluating the impact the adoption of this ASU will have on its consolidated financial statements and related disclosures. In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures which requires updates to rate reconciliation disclosures and information on income taxes paid on an annual basis. This ASU is effective on a prospective basis with retrospective application permitted for annual periods beginning after December 15, 2024. The Company is evaluating the impact the adoption of this ASU will have on its consolidated financial statements and related disclosures.

Loans and Allowance for Credit Losses - Loan Aging Analysis (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Financing Receivable, Past Due [Line Items]
Current Fiscal Year	$ 268,616	$ 1,005,445
Fiscal Year Before Latest Fiscal Year	896,432	1,322,974
Two Years Before Latest Fiscal Year	1,355,502	678,928
Three Years Before Latest Fiscal Year	633,025	404,847
Four Years Before Latest Fiscal Year	378,516	212,136
Five Or More Years Before Latest Fiscal Year	363,366	173,803
Revolving Loans	2,096,593	2,071,645
Revolving Loans Converted to Term Loans	257,137	257,912
Total Loans Receivable	6,249,187	6,127,690
30-59 days
Financing Receivable, Past Due [Line Items]
Current Fiscal Year		250
Fiscal Year Before Latest Fiscal Year	24,388	403
Two Years Before Latest Fiscal Year	5,213	40
Three Years Before Latest Fiscal Year	559	589
Four Years Before Latest Fiscal Year	136
Five Or More Years Before Latest Fiscal Year	415	207
Revolving Loans	10,413	388
Revolving Loans Converted to Term Loans	1,528	151
Total Loans Receivable	42,652	2,028
60-89 days
Financing Receivable, Past Due [Line Items]
Fiscal Year Before Latest Fiscal Year	635
Two Years Before Latest Fiscal Year	35
Three Years Before Latest Fiscal Year	16
Four Years Before Latest Fiscal Year	816
Five Or More Years Before Latest Fiscal Year	73
Revolving Loans	2,154
Total Loans Receivable	3,729
Greater than 90 days
Financing Receivable, Past Due [Line Items]
Current Fiscal Year		30
Fiscal Year Before Latest Fiscal Year	280	776
Two Years Before Latest Fiscal Year	522	7,897
Three Years Before Latest Fiscal Year	1,641	1,722
Four Years Before Latest Fiscal Year	416	199
Five Or More Years Before Latest Fiscal Year	373	307
Revolving Loans	8,922	11,264
Revolving Loans Converted to Term Loans		2,376
Total Loans Receivable	12,154	24,571
Total past due
Financing Receivable, Past Due [Line Items]
Current Fiscal Year		280
Fiscal Year Before Latest Fiscal Year	25,303	1,179
Two Years Before Latest Fiscal Year	5,770	7,937
Three Years Before Latest Fiscal Year	2,216	2,311
Four Years Before Latest Fiscal Year	1,368	199
Five Or More Years Before Latest Fiscal Year	861	514
Revolving Loans	21,489	11,652
Revolving Loans Converted to Term Loans	1,528	2,527
Total Loans Receivable	58,535	26,599
Current
Financing Receivable, Past Due [Line Items]
Current Fiscal Year	268,616	1,005,165
Fiscal Year Before Latest Fiscal Year	871,129	1,321,795
Two Years Before Latest Fiscal Year	1,349,732	670,991
Three Years Before Latest Fiscal Year	630,809	402,536
Four Years Before Latest Fiscal Year	377,148	211,937
Five Or More Years Before Latest Fiscal Year	362,505	173,289
Revolving Loans	2,075,104	2,059,993
Revolving Loans Converted to Term Loans	255,609	255,385
Total Loans Receivable	6,190,652	6,101,091
Greater than 90 days and accruing
Financing Receivable, Past Due [Line Items]
Current Fiscal Year		30
Fiscal Year Before Latest Fiscal Year	280	30
Two Years Before Latest Fiscal Year		1,398
Three Years Before Latest Fiscal Year	1,377
Four Years Before Latest Fiscal Year	416	199
Five Or More Years Before Latest Fiscal Year	229	307
Revolving Loans	623	2,176
Revolving Loans Converted to Term Loans		2,199
Total Loans Receivable	2,925	6,339
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Current Fiscal Year	166,420	394,457
Fiscal Year Before Latest Fiscal Year	317,819	260,984
Two Years Before Latest Fiscal Year	256,230	204,669
Three Years Before Latest Fiscal Year	166,954	57,837
Four Years Before Latest Fiscal Year	39,598	40,820
Five Or More Years Before Latest Fiscal Year	48,304	19,642
Revolving Loans	1,107,991	1,108,604
Revolving Loans Converted to Term Loans	76,246	73,199
Total Loans Receivable	2,179,562	2,160,212
Commercial and industrial \| 30-59 days
Financing Receivable, Past Due [Line Items]
Current Fiscal Year		250
Fiscal Year Before Latest Fiscal Year	2,558	178
Two Years Before Latest Fiscal Year	150
Three Years Before Latest Fiscal Year	448	81
Five Or More Years Before Latest Fiscal Year	274	136
Revolving Loans	4,672	158
Revolving Loans Converted to Term Loans		151
Total Loans Receivable	8,102	954
Commercial and industrial \| 60-89 days
Financing Receivable, Past Due [Line Items]
Fiscal Year Before Latest Fiscal Year	62
Two Years Before Latest Fiscal Year	18
Revolving Loans	2,154
Total Loans Receivable	2,234
Commercial and industrial \| Greater than 90 days
Financing Receivable, Past Due [Line Items]
Current Fiscal Year		30
Fiscal Year Before Latest Fiscal Year	280	28
Two Years Before Latest Fiscal Year		347
Three Years Before Latest Fiscal Year	331	24
Four Years Before Latest Fiscal Year		199
Five Or More Years Before Latest Fiscal Year	144
Revolving Loans	8,548	10,800
Revolving Loans Converted to Term Loans		2,376
Total Loans Receivable	9,303	13,804
Commercial and industrial \| Total past due
Financing Receivable, Past Due [Line Items]
Current Fiscal Year		280
Fiscal Year Before Latest Fiscal Year	2,900	206
Two Years Before Latest Fiscal Year	168	347
Three Years Before Latest Fiscal Year	779	105
Four Years Before Latest Fiscal Year		199
Five Or More Years Before Latest Fiscal Year	418	136
Revolving Loans	15,374	10,958
Revolving Loans Converted to Term Loans		2,527
Total Loans Receivable	19,639	14,758
Commercial and industrial \| Current
Financing Receivable, Past Due [Line Items]
Current Fiscal Year	166,420	394,177
Fiscal Year Before Latest Fiscal Year	314,919	260,778
Two Years Before Latest Fiscal Year	256,062	204,322
Three Years Before Latest Fiscal Year	166,175	57,732
Four Years Before Latest Fiscal Year	39,598	40,621
Five Or More Years Before Latest Fiscal Year	47,886	19,506
Revolving Loans	1,092,617	1,097,646
Revolving Loans Converted to Term Loans	76,246	70,672
Total Loans Receivable	2,159,923	2,145,454
Commercial and industrial \| Greater than 90 days and accruing
Financing Receivable, Past Due [Line Items]
Current Fiscal Year		30
Fiscal Year Before Latest Fiscal Year	280	28
Two Years Before Latest Fiscal Year		81
Three Years Before Latest Fiscal Year	67
Four Years Before Latest Fiscal Year		199
Revolving Loans	447	2,000
Revolving Loans Converted to Term Loans		2,199
Total Loans Receivable	794	4,537
Energy
Financing Receivable, Past Due [Line Items]
Current Fiscal Year		4,581
Fiscal Year Before Latest Fiscal Year	4,583	6,868
Two Years Before Latest Fiscal Year	6,345
Three Years Before Latest Fiscal Year		156
Revolving Loans	208,345	202,506
Revolving Loans Converted to Term Loans	1,944	107
Total Loans Receivable	221,217	214,218
Energy \| 30-59 days
Financing Receivable, Past Due [Line Items]
Revolving Loans		30
Total Loans Receivable		30
Energy \| Greater than 90 days
Financing Receivable, Past Due [Line Items]
Revolving Loans	198	288
Total Loans Receivable	198	288
Energy \| Total past due
Financing Receivable, Past Due [Line Items]
Revolving Loans	198	318
Total Loans Receivable	198	318
Energy \| Current
Financing Receivable, Past Due [Line Items]
Current Fiscal Year		4,581
Fiscal Year Before Latest Fiscal Year	4,583	6,868
Two Years Before Latest Fiscal Year	6,345
Three Years Before Latest Fiscal Year		156
Revolving Loans	208,147	202,188
Revolving Loans Converted to Term Loans	1,944	107
Total Loans Receivable	221,019	213,900
Commercial real estate - owner-occupied
Financing Receivable, Past Due [Line Items]
Current Fiscal Year	15,877	69,308
Fiscal Year Before Latest Fiscal Year	59,436	98,946
Two Years Before Latest Fiscal Year	111,076	128,410
Three Years Before Latest Fiscal Year	126,478	65,454
Four Years Before Latest Fiscal Year	66,435	51,555
Five Or More Years Before Latest Fiscal Year	86,421	37,431
Revolving Loans	76,967	76,782
Revolving Loans Converted to Term Loans	35,122	38,367
Total Loans Receivable	577,812	566,253
Commercial real estate - owner-occupied \| 30-59 days
Financing Receivable, Past Due [Line Items]
Fiscal Year Before Latest Fiscal Year	2,977
Two Years Before Latest Fiscal Year	336
Three Years Before Latest Fiscal Year		371
Five Or More Years Before Latest Fiscal Year		71
Revolving Loans Converted to Term Loans	1,528
Total Loans Receivable	4,841	442
Commercial real estate - owner-occupied \| Greater than 90 days
Financing Receivable, Past Due [Line Items]
Two Years Before Latest Fiscal Year		204
Four Years Before Latest Fiscal Year	416
Five Or More Years Before Latest Fiscal Year	229
Total Loans Receivable	645	204
Commercial real estate - owner-occupied \| Total past due
Financing Receivable, Past Due [Line Items]
Fiscal Year Before Latest Fiscal Year	2,977
Two Years Before Latest Fiscal Year	336	204
Three Years Before Latest Fiscal Year		371
Four Years Before Latest Fiscal Year	416
Five Or More Years Before Latest Fiscal Year	229	71
Revolving Loans Converted to Term Loans	1,528
Total Loans Receivable	5,486	646
Commercial real estate - owner-occupied \| Current
Financing Receivable, Past Due [Line Items]
Current Fiscal Year	15,877	69,308
Fiscal Year Before Latest Fiscal Year	56,459	98,946
Two Years Before Latest Fiscal Year	110,740	128,206
Three Years Before Latest Fiscal Year	126,478	65,083
Four Years Before Latest Fiscal Year	66,019	51,555
Five Or More Years Before Latest Fiscal Year	86,192	37,360
Revolving Loans	76,967	76,782
Revolving Loans Converted to Term Loans	33,594	38,367
Total Loans Receivable	572,326	565,607
Commercial real estate - owner-occupied \| Greater than 90 days and accruing
Financing Receivable, Past Due [Line Items]
Four Years Before Latest Fiscal Year	416
Five Or More Years Before Latest Fiscal Year	229
Total Loans Receivable	645
Commercial real estate - non-owner-occupied
Financing Receivable, Past Due [Line Items]
Current Fiscal Year	82,853	487,579
Fiscal Year Before Latest Fiscal Year	454,134	862,407
Two Years Before Latest Fiscal Year	885,660	258,161
Three Years Before Latest Fiscal Year	255,603	167,169
Four Years Before Latest Fiscal Year	162,819	82,748
Five Or More Years Before Latest Fiscal Year	133,360	54,412
Revolving Loans	651,858	626,998
Revolving Loans Converted to Term Loans	143,649	146,060
Total Loans Receivable	2,769,936	2,685,534
Commercial real estate - non-owner-occupied \| 30-59 days
Financing Receivable, Past Due [Line Items]
Fiscal Year Before Latest Fiscal Year	18,853
Two Years Before Latest Fiscal Year	4,717
Five Or More Years Before Latest Fiscal Year	141
Revolving Loans	5,606
Total Loans Receivable	29,317
Commercial real estate - non-owner-occupied \| 60-89 days
Financing Receivable, Past Due [Line Items]
Fiscal Year Before Latest Fiscal Year	573
Four Years Before Latest Fiscal Year	816
Five Or More Years Before Latest Fiscal Year	68
Total Loans Receivable	1,457
Commercial real estate - non-owner-occupied \| Greater than 90 days
Financing Receivable, Past Due [Line Items]
Fiscal Year Before Latest Fiscal Year		713
Two Years Before Latest Fiscal Year	522	6,029
Three Years Before Latest Fiscal Year		1,698
Five Or More Years Before Latest Fiscal Year		307
Total Loans Receivable	522	8,747
Commercial real estate - non-owner-occupied \| Total past due
Financing Receivable, Past Due [Line Items]
Fiscal Year Before Latest Fiscal Year	19,426	713
Two Years Before Latest Fiscal Year	5,239	6,029
Three Years Before Latest Fiscal Year		1,698
Four Years Before Latest Fiscal Year	816
Five Or More Years Before Latest Fiscal Year	209	307
Revolving Loans	5,606
Total Loans Receivable	31,296	8,747
Commercial real estate - non-owner-occupied \| Current
Financing Receivable, Past Due [Line Items]
Current Fiscal Year	82,853	487,579
Fiscal Year Before Latest Fiscal Year	434,708	861,694
Two Years Before Latest Fiscal Year	880,421	252,132
Three Years Before Latest Fiscal Year	255,603	165,471
Four Years Before Latest Fiscal Year	162,003	82,748
Five Or More Years Before Latest Fiscal Year	133,151	54,105
Revolving Loans	646,252	626,998
Revolving Loans Converted to Term Loans	143,649	146,060
Total Loans Receivable	2,738,640	2,676,787
Commercial real estate - non-owner-occupied \| Greater than 90 days and accruing
Financing Receivable, Past Due [Line Items]
Five Or More Years Before Latest Fiscal Year		307
Total Loans Receivable		307
Residential real estate
Financing Receivable, Past Due [Line Items]
Current Fiscal Year	2,177	37,929
Fiscal Year Before Latest Fiscal Year	49,465	87,732
Two Years Before Latest Fiscal Year	91,810	87,226
Three Years Before Latest Fiscal Year	83,578	114,154
Four Years Before Latest Fiscal Year	109,598	36,792
Five Or More Years Before Latest Fiscal Year	95,030	62,288
Revolving Loans	36,794	37,795
Revolving Loans Converted to Term Loans	176	179
Total Loans Receivable	468,628	464,095
Residential real estate \| 30-59 days
Financing Receivable, Past Due [Line Items]
Fiscal Year Before Latest Fiscal Year		6
Two Years Before Latest Fiscal Year	6
Three Years Before Latest Fiscal Year	89	137
Four Years Before Latest Fiscal Year	136
Total Loans Receivable	231	143
Residential real estate \| Greater than 90 days
Financing Receivable, Past Due [Line Items]
Two Years Before Latest Fiscal Year		1,317
Three Years Before Latest Fiscal Year	1,310
Revolving Loans	176	176
Total Loans Receivable	1,486	1,493
Residential real estate \| Total past due
Financing Receivable, Past Due [Line Items]
Fiscal Year Before Latest Fiscal Year		6
Two Years Before Latest Fiscal Year	6	1,317
Three Years Before Latest Fiscal Year	1,399	137
Four Years Before Latest Fiscal Year	136
Revolving Loans	176	176
Total Loans Receivable	1,717	1,636
Residential real estate \| Current
Financing Receivable, Past Due [Line Items]
Current Fiscal Year	2,177	37,929
Fiscal Year Before Latest Fiscal Year	49,465	87,726
Two Years Before Latest Fiscal Year	91,804	85,909
Three Years Before Latest Fiscal Year	82,179	114,017
Four Years Before Latest Fiscal Year	109,462	36,792
Five Or More Years Before Latest Fiscal Year	95,030	62,288
Revolving Loans	36,618	37,619
Revolving Loans Converted to Term Loans	176	179
Total Loans Receivable	466,911	462,459
Residential real estate \| Greater than 90 days and accruing
Financing Receivable, Past Due [Line Items]
Two Years Before Latest Fiscal Year		1,317
Three Years Before Latest Fiscal Year	1,310
Revolving Loans	176	176
Total Loans Receivable	1,486	1,493
Consumer
Financing Receivable, Past Due [Line Items]
Current Fiscal Year	1,289	11,591
Fiscal Year Before Latest Fiscal Year	10,995	6,037
Two Years Before Latest Fiscal Year	4,381	462
Three Years Before Latest Fiscal Year	412	77
Four Years Before Latest Fiscal Year	66	221
Five Or More Years Before Latest Fiscal Year	251	30
Revolving Loans	14,638	18,960
Total Loans Receivable	32,032	37,378
Consumer \| 30-59 days
Financing Receivable, Past Due [Line Items]
Fiscal Year Before Latest Fiscal Year		219
Two Years Before Latest Fiscal Year	4	40
Three Years Before Latest Fiscal Year	22
Revolving Loans	135	200
Total Loans Receivable	161	459
Consumer \| 60-89 days
Financing Receivable, Past Due [Line Items]
Two Years Before Latest Fiscal Year	17
Three Years Before Latest Fiscal Year	16
Five Or More Years Before Latest Fiscal Year	5
Total Loans Receivable	38
Consumer \| Greater than 90 days
Financing Receivable, Past Due [Line Items]
Fiscal Year Before Latest Fiscal Year		35
Total Loans Receivable		35
Consumer \| Total past due
Financing Receivable, Past Due [Line Items]
Fiscal Year Before Latest Fiscal Year		254
Two Years Before Latest Fiscal Year	21	40
Three Years Before Latest Fiscal Year	38
Five Or More Years Before Latest Fiscal Year	5
Revolving Loans	135	200
Total Loans Receivable	199	494
Consumer \| Current
Financing Receivable, Past Due [Line Items]
Current Fiscal Year	1,289	11,591
Fiscal Year Before Latest Fiscal Year	10,995	5,783
Two Years Before Latest Fiscal Year	4,360	422
Three Years Before Latest Fiscal Year	374	77
Four Years Before Latest Fiscal Year	66	221
Five Or More Years Before Latest Fiscal Year	246	30
Revolving Loans	14,503	18,760
Total Loans Receivable	$ 31,833	36,884
Consumer \| Greater than 90 days and accruing
Financing Receivable, Past Due [Line Items]
Fiscal Year Before Latest Fiscal Year		2
Total Loans Receivable		$ 2

Regulatory Matters

3 Months Ended

Mar. 31, 2024

Regulatory Matters

Regulatory Matters

Note 9: Regulatory Matters

The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Management believes that, as of March 31, 2024, the Company and the Bank met all capital adequacy requirements to which they are subject.

The capital rules require the Company to maintain a 2.5% capital conservation buffer with respect to Common Equity Tier I capital, Tier I capital to risk-weighted assets, and total capital to risk-weighted assets, which is included in the column “Required to be Considered Adequately Capitalized” within the table below. A financial institution with a conservation buffer of less than the required amount is subject to limitations on capital distributions, including dividend payments and stock repurchases, as well as certain discretionary bonus payments to executive officers.

The Company and the Bank opted to exclude AOCI from the regulatory capital calculations. As a result, changes in AOCI, net of tax, do not impact the Company’s or Bank’s regulatory capital ratios.

The Company’s and the Bank’s actual capital amounts and ratios as of March 31, 2024 and December 31, 2023 are presented in the following table:


					Required to be Considered				Required to be Considered
	Actual				Well Capitalized				Adequately Capitalized⁽¹⁾
	Amount		Ratio		Amount		Ratio		Amount		Ratio

	(Dollars in thousands)
March 31, 2024
Total Capital to Risk-Weighted Assets
Consolidated	$	825,110	11.4	%		N/A	N/A		$	761,189	10.5	%
Bank		806,893	11.1		$	724,451	10.0	%		760,673	10.5
Tier 1 Capital to Risk-Weighted Assets
Consolidated		745,321	10.3			N/A	N/A			616,201	8.5
Bank		727,104	10.0			579,561	8.0			615,783	8.5
Common Equity Tier 1 to Risk-Weighted Assets
Consolidated		736,438	10.2			N/A	N/A			507,460	7.0
Bank		727,104	10.0			470,893	6.5			507,116	7.0
Tier 1 Capital to Average Assets
Consolidated		745,321	10.1			N/A	N/A			295,231	4.0
Bank	$	727,104	9.9	%	$	369,073	5.0	%	$	295,258	4.0	%
December 31, 2023
Total Capital to Risk-Weighted Assets
Consolidated	$	807,018	11.2	%		N/A	N/A		$	756,285	10.5	%
Bank		800,522	11.1		$	719,705	10.0	%		755,691	10.5
Tier 1 Capital to Risk-Weighted Assets
Consolidated		727,723	10.1			N/A	N/A			612,231	8.5
Bank		721,227	10.0			575,764	8.0			611,750	8.5
Common Equity Tier 1 to Risk-Weighted Assets
Consolidated		718,855	10.0			N/A	N/A			504,190	7.0
Bank		721,227	10.0			467,809	6.5			503,794	7.0
Tier 1 Capital to Average Assets
Consolidated		727,723	10.0			N/A	N/A			292,517	4.0
Bank	$	721,227	9.9	%	$	365,675	5.0	%	$	292,540	4.0	%

(1)	Represents the minimum capital required for capital adequacy under Basel III. Includes capital conservation buffer of 2.5%.

- 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

Nature of Operations and Summary of Significant Accounting Policies - Recent Accounting Pronouncements (Details)	Mar. 31, 2024
ASU 2023-07
Recent Accounting Pronouncements
Change in Accounting Principle, Accounting Standards Update, Adopted [true false]	false
ASU 2023-09
Recent Accounting Pronouncements
Change in Accounting Principle, Accounting Standards Update, Adopted [true false]	false

- Definition

Indicates (true false) whether accounting standards update was adopted.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Goodwill and Core Deposit Intangible

3 Months Ended

Mar. 31, 2024

Goodwill and Core Deposit Intangible

Goodwill and Core Deposit Intangible

Note 5: Goodwill and Core Deposit Intangible

Goodwill is measured as the excess of the fair value of consideration paid over the fair value of net assets acquired. In accordance with GAAP, the Company performs annual tests to identify impairment of goodwill and more frequently if events or circumstances indicate a potential impairment may exist. No goodwill impairment was recorded during the three months ended March 31, 2024.

The Company is amortizing the core deposit intangible (“CDI”) over its estimated useful life of approximately 10 years from the date of each respective acquisition using the sum of the years’ digits accelerated method.

The gross carrying amount of goodwill and the gross carrying amount and accumulated amortization of the CDI at March 31, 2024 and December 31, 2023 were:


	Gross Carrying		Accumulated		Net Carrying
	Amount		Amortization		Amount

	(Dollars in thousands)
March 31, 2024
Goodwill	$	14,135	$	—	$	14,135
Core deposit intangible		21,938		5,669		16,269
Total goodwill and intangible assets	$	36,073	$	5,669	$	30,404
December 31, 2023
Goodwill	$	14,135	$	—	$	14,135
Core deposit intangible		21,938		4,738		17,200
Total goodwill and intangible assets	$	36,073	$	4,738	$	31,335

The estimated aggregate future amortization expense over the next five years for the CDI is as follows at March 31, 2024:


(Dollars in thousands)
For the nine months ending December 31, 2024	$	2,638
For the year ending December 31, 2025		3,155
For the year ending December 31, 2026		2,739
For the year ending December 31, 2027		2,325
For the year ending December 31, 2028		1,909

Cover Page - shares	3 Months Ended
Cover Page - shares	Mar. 31, 2024	Apr. 26, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2024
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	001-39028
Entity Registrant Name	CROSSFIRST BANKSHARES, INC.
Entity Incorporation, State or Country Code	KS
Entity Tax Identification Number	26-3212879
Entity Address, Address Line One	11440 Tomahawk Creek Parkway
Entity Address, City or Town	Leawood
Entity Address, State or Province	KS
Entity Address, Postal Zip Code	66211
City Area Code	913
Local Phone Number	901-4516
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	CFB
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	true
Entity Ex Transition Period	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		49,292,977
Entity Central Index Key	0001458412
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q1
Amendment Flag	false

Goodwill and Core Deposit Intangible - Change In Goodwill And Core Deposit Intangible (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Goodwill and Core Deposit Intangible
Goodwill, Gross Carrying Amount	$ 14,135	$ 14,135
Goodwill, Net Carrying Amount	14,135	14,135
Goodwill and Core Deposit Intangible
Gross Carrying Amount, Core deposit intangible	21,938	21,938
Accumulated Amortization, Core deposit intangible	5,669	4,738
Net Carrying Amount, Core deposit intangible	16,269	17,200
Goodwill and Core Deposit Intangible
Gross Carrying Amount	36,073	36,073
Accumulated Amortization	5,669	4,738
Net Carrying Amount	$ 30,404	$ 31,335

Regulatory Matters (Details) $ in Thousands	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Total Capital to Risk-Weighted Assets
Actual, amount	$ 825,110	$ 807,018
Actual, ratio	0.114	0.112
Required to be Considered Adequately Capitalized, amount	$ 761,189	$ 756,285
Required to be Considered Adequately Capitalized, ratio	0.105	0.105
Tier I Capital to Risk-Weighted Assets
Actual, amount	$ 745,321	$ 727,723
Actual, ratio	0.103	0.101
Required to be Considered Adequately Capitalized, amount	$ 616,201	$ 612,231
Required to be Considered Adequately Capitalized, ratio	0.085	0.085
Common Equity Tier 1 to Risk-Weighted Assets
Actual, amount	$ 736,438	$ 718,855
Actual, ratio	0.102	0.100
Required to be Considered Adequately Capitalized, amount	$ 507,460	$ 504,190
Required to be Considered Adequately Capitalized, ratio	7.00%	7.00%
Tier I Capital to Average Assets
Actual, amount	$ 745,321	$ 727,723
Actual, ratio	0.101	0.100
Required to be Considered Adequately Capitalized, amount	$ 295,231	$ 292,517
Required to be Considered Adequately Capitalized, amount	0.040	0.040
Capital conservation buffer	0.025	0.025
Bank
Total Capital to Risk-Weighted Assets
Actual, amount	$ 806,893	$ 800,522
Actual, ratio	0.111	0.111
Required to be considered well capitalized, amount	$ 724,451	$ 719,705
Required to be considered well capitalized, ratio	0.100	0.100
Required to be Considered Adequately Capitalized, amount	$ 760,673	$ 755,691
Required to be Considered Adequately Capitalized, ratio	0.105	0.105
Tier I Capital to Risk-Weighted Assets
Actual, amount	$ 727,104	$ 721,227
Actual, ratio	0.100	0.100
Required to be considered well capitalized, amount	$ 579,561	$ 575,764
Required to be considered well capitalized, ratio	0.080	0.080
Required to be Considered Adequately Capitalized, amount	$ 615,783	$ 611,750
Required to be Considered Adequately Capitalized, ratio	0.085	0.085
Common Equity Tier 1 to Risk-Weighted Assets
Actual, amount	$ 727,104	$ 721,227
Actual, ratio	0.100	0.100
Required to be considered well capitalized, amount	$ 470,893	$ 467,809
Required to be considered well capitalized, ratio	6.50%	6.50%
Required to be Considered Adequately Capitalized, amount	$ 507,116	$ 503,794
Required to be Considered Adequately Capitalized, ratio	7.00%	7.00%
Tier I Capital to Average Assets
Actual, amount	$ 727,104	$ 721,227
Actual, ratio	0.099	0.099
Required to be considered well capitalized, amount	$ 369,073	$ 365,675
Required to be considered well capitalized, ratio	0.050	0.050
Required to be Considered Adequately Capitalized, amount	$ 295,258	$ 292,540
Required to be Considered Adequately Capitalized, amount	0.040	0.040

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Mar. 31, 2024	Mar. 31, 2023
Pay vs Performance Disclosure
Net Income (Loss)	$ 18,223	$ 16,108

- Definition

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

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+ Details