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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended March 31, 2024
Commission File Number 0-15572
FIRST BANCORP
(Exact Name of Registrant as Specified in its Charter)
North Carolina56-1421916
(State or Other Jurisdiction of Incorporation or Organization)(I.R.S. Employer Identification Number)
300 SW Broad St.,Southern Pines,North Carolina28387
(Address of Principal Executive Offices)(Zip Code)
(Registrant's telephone number, including area code)(910)246-2500
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading SymbolName of each exchange on which registered:
Common Stock, No Par ValueFBNCThe Nasdaq Global Select Market
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding twelve months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. ☒ Yes ☐ No
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). ☒ Yes ☐ No
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one)
Large Accelerated Filer☒Accelerated Filer☐
Non-Accelerated Filer☐Smaller Reporting Company☐
Emerging Growth Company☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). ☐ Yes ☒ No
The number of shares of the registrant's Common Stock outstanding on April 30, 2024 was 41,170,211.


INDEX
FIRST BANCORP AND SUBSIDIARIES
Page
 
 

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FORWARD-LOOKING STATEMENTS
Part I of this report contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934 and the Private Securities Litigation Reform Act of 1995, which statements are inherently subject to risks and uncertainties. Forward-looking statements are statements that include projections, predictions, expectations or beliefs about future events or results or otherwise are not statements of historical fact. Further, forward-looking statements are intended to speak only as of the date made. Such statements are often characterized by the use of qualifying words (and their derivatives) such as “expect,” “believe,” “estimate,” “plan,” “project,” or other statements concerning our opinions or judgment about future events. Our actual results may differ materially from those anticipated in any forward-looking statements, as they will depend on many factors about which we are unsure, including many factors which are beyond our control. Factors that could influence the accuracy of such forward-looking statements include, but are not limited to, the financial success or changing strategies of our customers, our level of success in integrating acquisitions, actions of government regulators, the level of market interest rates, geopolitical influences and general economic conditions. For additional information about factors that could affect the matters discussed in this paragraph, see the “Risk Factors” section of our 2023 Annual Report on Form 10-K ("2023 Annual Report") and Item 1A of Part II of this report.

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Part I. Financial Information
Item 1 - Financial Statements
First Bancorp and Subsidiaries
Consolidated Balance Sheets
($ in thousands - unaudited)March 31,
2024		December 31,
2023
Assets  
Cash and due from banks, noninterest-bearing$87,181 100,891 
Due from banks, interest-bearing266,661 136,964 
Total cash and cash equivalents353,842 237,855 
Securities available for sale2,088,483 2,189,379 
Securities held to maturity (fair values of $436,655 at March 31, 2024 and $449,623 at December 31, 2023)
525,627 533,678 
Presold mortgages in process of settlement6,703 2,667 
Loans8,076,506 8,150,102 
Allowance for credit losses on loans(110,067)(109,853)
Net loans7,966,439 8,040,249 
Premises and equipment, net150,546 150,957 
Operating right-of-use lease assets16,551 17,063 
Accrued interest receivable35,147 37,351 
Goodwill478,750 478,750 
Other intangible assets, net30,886 32,858 
Bank-owned life insurance185,061 183,897 
Other assets253,562 210,238 
Total assets$12,091,597 12,114,942 
Liabilities
Deposits:      Noninterest-bearing deposits$3,362,265 3,379,876 
Interest-bearing deposits6,941,046 6,651,723 
Total deposits10,303,311 10,031,599 
Borrowings332,335 630,158 
Accrued interest payable9,847 5,699 
Operating lease liabilities17,343 17,833 
Other liabilities52,662 57,273 
Total liabilities10,715,498 10,742,562 
Commitments and contingencies
Shareholders' Equity
Preferred stock, no par value per share.  Authorized: 5,000,000 shares
Issued & outstanding:  none as of March 31, 2024 and December 31, 2023
— — 
Common stock, no par value per share.  Authorized: 60,000,000 shares
Issued & outstanding:  41,156,286 shares and 41,109,987 shares as of March 31, 2024 and December 31, 2023, respectively
965,429 963,990 
Retained earnings732,643 716,420 
Stock in rabbi trust assumed in acquisition(1,396)(1,385)
Rabbi trust obligation1,396 1,385 
Accumulated other comprehensive loss(321,973)(308,030)
Total shareholders’ equity1,376,099 1,372,380 
Total liabilities and shareholders’ equity$12,091,597 12,114,942 
See accompanying notes to unaudited consolidated financial statements.

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First Bancorp and Subsidiaries
Consolidated Statements of Income
Three Months Ended March 31,
($ in thousands, except share data - unaudited)20242023
Interest Income
Interest and fees on loans$109,756 99,380 
Interest on investment securities:
Taxable interest income12,728 13,416 
Tax-exempt interest income1,117 1,130 
Other, principally overnight investments2,971 3,248 
Total interest income126,572 117,174 
Interest Expense
Interest on deposits39,135 18,918 
Interest on borrowings8,205 5,770 
Total interest expense47,340 24,688 
Net interest income79,232 92,486 
Provision for credit losses1,200 12,502 
Net interest income after provision for credit losses78,032 79,984 
Noninterest Income
Service charges on deposit accounts3,868 3,894 
Other service charges, commissions and fees5,612 5,920 
Presold mortgage loan fees and gains on sale338 406 
Commissions from sales of financial products1,320 1,306 
SBA consulting fees257 521 
SBA loan sale gains895 255 
Bank-owned life insurance income1,164 1,046 
Securities losses, net(975)— 
Other gains, net459 188 
Total noninterest income12,938 13,536 
Noninterest Expense
Salaries27,642 29,321 
Employee benefits6,269 6,393 
Total personnel expense33,911 35,714 
Occupancy expense3,663 3,688 
Equipment related expenses1,925 1,379 
Merger and acquisition expenses— 12,182 
Intangibles amortization1,759 2,145 
Other operating expenses17,929 19,067 
Total noninterest expenses59,187 74,175 
Income before income taxes31,783 19,345 
Income tax expense6,511 4,184 
Net income$25,272 15,161 
Earnings per common share:
Basic$0.61 0.37 
Diluted0.61 0.37 
Weighted average common shares outstanding:
Basic40,843,865 40,583,417 
Diluted41,249,636 41,112,692 
See accompanying notes to unaudited consolidated financial statements.

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First Bancorp and Subsidiaries
Consolidated Statements of Comprehensive Income
    
Three Months Ended
March 31,
($ in thousands - unaudited)20242023
Net income$25,272 15,161 
Other comprehensive (loss) income:
Unrealized (losses) gains on securities available for sale:
Unrealized holding (losses) gains arising during the period, pretax(19,143)35,333 
Tax benefit (expense) 4,432 (7,425)
Reclassification to realized losses975 — 
Tax expense(226)— 
Postretirement Plans:
Amortization of unrecognized net actuarial losses25 44 
Tax benefit(6)(11)
Other comprehensive (loss) income(13,943)27,941 
Comprehensive income$11,329 43,102 
See accompanying notes to unaudited consolidated financial statements.

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First Bancorp and Subsidiaries
Consolidated Statements of Shareholders’ Equity

($ in thousands, except share data - unaudited)Common StockRetained
Earnings		Stock in
Rabbi
Trust
Assumed
in
Acquisition		Rabbi
Trust
Obligation		Accumulated
Other
Comprehensive
Loss		Total
Shareholders’
Equity
SharesAmount
Three Months Ended March 31, 2023
Balances, January 1, 202335,704 $725,153 648,418 (1,585)1,585 (341,975)1,031,596 
Net income15,161 15,161 
Cash dividends declared ($0.22 per common share)
(9,006)(9,006)
Change in Rabbi Trust Obligation(23)23 — 
Equity issued related to acquisition5,033 229,489 229,489 
Stock option exercises170 3,215 3,215 
Stock-based compensation80 1,565 1,565 
Other comprehensive income (loss)27,941 27,941 
Balances, March 31, 202340,987 $959,422 654,573 (1,608)1,608 (314,034)1,299,961 
Three Months Ended March 31, 2024
Balances, January 1, 202441,110 $963,990 716,420 (1,385)1,385 (308,030)1,372,380 
Net income25,272 25,272 
Cash dividends declared ($0.22 per common share)
(9,049)(9,049)
Change in Rabbi Trust Obligation(11)11 — 
Stock options exercised36 726 726 
Stock withheld for payment of taxes(4)(126)(126)
Stock-based compensation14 839 839 
Other comprehensive loss(13,943)(13,943)
Balances, March 31, 202441,156 $965,429 732,643 (1,396)1,396 (321,973)1,376,099 
See accompanying notes to unaudited consolidated financial statements.


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First Bancorp and Subsidiaries
Consolidated Statements of Cash Flows
Three Months Ended March 31,
($ in thousands-unaudited)20242023
Cash Flows From Operating Activities
Net income$25,272 15,161 
Reconciliation of net income to net cash (used) provided by operating activities:
Provision for credit losses1,200 12,502 
Net security premium amortization2,164 2,351 
Deferred tax benefit(379)(1,713)
Loan discount accretion(2,881)(3,566)
Deposit and debt discount accretion, net472 1,227 
Foreclosed property gains, net— (35)
Losses on calls of securities, net975 — 
Other gains, net(459)(244)
Bank-owned life insurance income(1,164)(1,046)
Net amortization of deferred loan fees(418)(127)
Depreciation of premises and equipment2,019 1,923 
Amortization of operating lease right-of-use assets512 567 
Repayments of lease obligations(490)(485)
Stock-based compensation expense662 1,118 
Amortization of intangible assets1,759 2,145 
Amortization and impairment of SBA servicing assets437 184 
Fees/gains from sale of presold mortgages and SBA loans(1,233)(661)
Origination of presold mortgage loans in process of settlement(16,241)(12,528)
Proceeds from sales of presold mortgage loans in process of settlement19,411 11,296 
Origination of SBA loans for sale(15,011)(8,933)
Proceeds from sales of SBA loans11,940 4,679 
Increase in accrued interest receivable2,204 3,707 
(Increase) decrease in other assets(51,175)8,719 
Increase in accrued interest payable4,148 3,872 
Decrease in other liabilities(3,816)(3,498)
Net cash (used) provided by operating activities(20,092)36,615 
Cash Flows From Investing Activities
Proceeds from maturities, calls and principal repayments of securities available for sale81,700 58,856 
Proceeds from maturities, calls and principal repayments of securities held to maturity5,940 759 
Proceeds from sales of securities available for sale— 111,863 
Purchases of Federal Reserve and FHLB stock(15,778)(42,869)
Redemptions of Federal Reserve and FHLB stock28,880 15,010 
Purchases of other investments(251)— 
Net decrease (increase) in loans72,244 (133,712)
Proceeds from sales of foreclosed properties— 192 
Purchases of premises and equipment(1,641)(346)
Proceeds from sales of premises and equipment10 15 
Net cash received in acquisition activities— 22,610 
Net cash provided by investing activities171,104 32,378 
Cash Flows From Financing Activities
Net increase in deposits271,429 98,742 
Advances from other borrowings481,000 929,000 
Repayment of other borrowings(779,012)(649,034)
Cash dividends paid – common stock(9,042)(7,852)
Proceeds from stock option exercises726 3,215 
Payment of taxes related to stock withheld(126)— 
Net cash (used) provided by financing activities(35,025)374,071 
Increase in cash and cash equivalents115,987 443,064 
Cash and cash equivalents, beginning of period237,855 270,318 
Cash and cash equivalents, end of period$353,842 713,382 
(Continued)






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First Bancorp and Subsidiaries
Consolidated Statements of Cash Flows



Three Months Ended March 31,
($ in thousands-unaudited)20242023
Supplemental Disclosures of Cash Flow Information:
Cash paid during the period for interest$42,825 19,333 
Cash paid during the period for income taxes22 46 
Non-cash: Unrealized (loss) gain on securities available for sale, net of taxes(13,962)27,908 
Non-cash: Foreclosed loans transferred to other real estate— 288 
Non-cash: Accrued dividends at end of period9,052 9,010 
Acquisition of GrandSouth Bancorporation— See Note 2

See accompanying notes to consolidated financial statements.

Page 9
First Bancorp and Subsidiaries
Notes to Consolidated Financial Statements
(unaudited)

Note 1. Organization and Basis of Presentation

The consolidated financial statements include the accounts of First Bancorp (the “Company”) and its wholly owned subsidiary First Bank (the “Bank”). The Bank has three wholly owned subsidiaries that are fully consolidated, SBA Complete, Inc. (“SBA Complete”), Magnolia Financial, Inc. ("Magnolia Financial"), and First Troy SPE, LLC. All significant intercompany accounts and transactions have been eliminated.
The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America ("GAAP") for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all information and notes necessary for complete financial statements in accordance with GAAP. In the opinion of the Company, the accompanying unaudited consolidated financial statements contain all adjustments necessary to present fairly the consolidated financial position of the Company as of March 31, 2024, the consolidated results of operations for the three months ended March 31, 2024 and 2023, and the consolidated cash flows for the three months ended March 31, 2024 and 2023. Any such adjustments were of a normal, recurring nature. These interim financial statements should be read in conjunction with the Company's audited consolidated financial statements and notes in the 2023 Annual Report for the year ended December 31, 2023. Operating results for interim period are not necessarily indicative of the results that may be expected for the full year.
Reference is made to Note 1 of the 2023 Annual Report filed with the Securities and Exchange Commission (“SEC”) for a discussion of accounting policies and other relevant information with respect to the financial statements.
The Company has evaluated all subsequent events through the date the financial statements were issued.
Accounting Standards Adopted in 2024
Accounting Standards Update ("ASU") 2023-02, “Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method” permits reporting entities to elect to account for their tax equity investments, regardless of the tax credit program from which the income tax credits are received, using the proportional amortization method if certain conditions are met. This update is effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. The adoption of ASU 2023-02 did not have a significant impact on the Company's consolidated financial statements.
Accounting Standards Pending Adoption
ASU 2023-07, "Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures" amended existing guidance to improve disclosures about a public entity’s reportable segments and provide more detailed information about a reportable segment’s expenses. ASU 2023-07 clarifies that an entity which has a single reportable segment is to provide all the disclosures required by Topic 280 and ASU 2023-07. The amendment is effective for fiscal years beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. The adoption of ASU 2023-07 is not expected to have a significant impact on the Company's consolidated financial statements.
ASU 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures” amends existing guidance to improve the transparency of income tax disclosures, including disclosure of specific categories in the rate reconciliation, providing additional information for certain reconciling items, and providing details on income taxes paid. The amendments are effective for annual periods beginning after December 15, 2024. The adoption of ASU 2023-09 is not expected to have a significant impact on the Company's consolidated financial statements.
Other accounting standards that have been issued or proposed by the Financial Accounting Standards Board ("FASB") or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.


Page 10
Note 2. Acquisitions
On January 1, 2023, the Company completed its acquisition of GrandSouth Bancorporation ("GrandSouth"), in an all-stock transaction pursuant to the Agreement and Plan of Merger and Reorganization (the "Merger Agreement"), dated June 21, 2022, between the Company and GrandSouth. At the closing of the transaction, GrandSouth merged into the Company. Following the merger of the Company and GrandSouth, GrandSouth Bank, a wholly-owned subsidiary of GrandSouth, merged into the Bank with the Bank being the surviving entity. The results of GrandSouth are included beginning on the January 1, 2023 acquisition date.

Pursuant to the Merger Agreement, each share of common and preferred stock of GrandSouth issued and outstanding immediately prior to the effective time of the acquisition was converted into 0.91 shares of the Company's common stock. As a result, the Company issued 5,032,834 shares of the Company common stock effective January 1, 2023. In addition, GrandSouth common stock options outstanding at the merger effective time were converted to options to acquire 0.91 shares of the Company's common stock resulting in 542,345 options with an average exercise price of approximately $20.14. The total consideration transferred at the close of the transaction was $229.5 million which was determined based on the number of shares issued and the closing market price of the Company's stock immediately prior to the merger effective time of $42.84. In addition to the stock issued, the fair value of the converted stock options calculated in accordance with FASB Accounting Standards Codification ("ASC") 805-30-55 was included in the total consideration of the transaction.

As a result of the merger, eight branches in South Carolina were added to the Company's branch network. The acquisition accomplished the Company's strategic initiative to expand its presence in South Carolina, specifically in the high-growth markets of the state including Greenville, Charleston and Columbia. Significant synergies were anticipated to be gained from the acquisition, with asset growth and revenue enhancement opportunities from the new markets and expanded customer base. Accordingly, the Company recognized goodwill in the transaction related primarily to the reasons noted, as well as the positive earnings of GrandSouth.
This transaction was accounted for using the acquisition method of accounting for business combinations, and accordingly, the assets acquired, intangible assets identified, and liabilities assumed of GrandSouth were recorded based on estimates of fair values as of January 1, 2023. The determination of fair value requires management to make estimates about discount rates, future expected cash flows, market conditions, and other future events that are highly subjective in nature and subject to change. Estimated fair values were based on management’s best estimates, using the information available at the date of acquisition, including the use of third-party valuation specialists. Management has finalized the valuations of all acquired assets and liabilities assumed in the GrandSouth acquisition.
The following table summarizes the estimated fair value of acquired assets, identified intangible assets, and liabilities assumed as of January 1, 2023. Following the table is a discussion of valuation approaches utilized in estimating the fair values in accordance with ASC 805-10, "Business Combinations." The $114.5 million in goodwill that resulted from this transaction is non-deductible for tax purposes.

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($ in thousands)Fair Value Estimate
Assets acquired:
Cash and cash equivalents$22,610 
Securities available for sale112,363 
Loans, gross996,833 
Allowance for loan losses(5,610)
Premises and equipment20,268 
Core deposit intangible28,840 
Operating right-of-use lease assets732 
Other assets27,163 
Total1,203,199 
Liabilities assumed:
Deposits1,045,308 
Borrowings38,800 
Other liabilities4,089 
Total1,088,197 
Net identifiable assets acquired115,002 
Less: Total consideration229,489 
Goodwill recorded related to acquisition of GrandSouth$114,487 
The following is a description of the methods used to determine the fair values of significant assets acquired and liabilities assumed included in the table above.

Cash and cash equivalents: This consists primarily of cash and due from banks, and interest-bearing deposits with banks. The carrying amount of these assets was a reasonable estimate of fair value based on the short-term nature of these assets.

Securities available for sale: Fair value of securities was measured based on quoted market prices, where available. If a quoted market price was not available, fair value was estimated using quoted market prices for similar securities and adjusted for differences between the quoted instrument and the instrument being valued. Substantially all of the securities acquired from GrandSouth were liquidated at their recorded fair value upon close of the transaction or shortly thereafter. There was no gain or loss recorded on the sale of acquired securities.

Loans: Fair value of loans acquired was based on a discounted cash flow methodology that considered factors including loan type and related collateral, classification status, remaining term of the loan, fixed or variable interest rate, amortization status, and current discount rates. Expected cash flows were derived using inputs consistent with management's assessment of credit risk for allowance measurement, including estimated future credit losses and estimated prepayments. A total fair value adjustment of $29.5 million was recorded. Purchased loans with financial deterioration ("PCD loans") were determined based primarily on internal grades, delinquency status, and other evidence of credit deterioration. The Company calculated the initial allowance of $5.6 million on PCD loans in accordance with its current expected credit loss model ("CECL") and reclassified that amount from the fair value adjustment to establish the initial allowance for credit losses ("ACL") on PCD loans. The following table presents additional information related to the acquired loan portfolio at the acquisition date:
($ in thousands)January 1, 2023
PCD Loans:
Par value$152,487 
Allowance for credit losses(5,610)
Non-credit discount(1,370)
Purchase price145,507 
Non-PCD Loans:
Fair Value845,716 
Gross contractual amounts receivable865,132 
Estimate of contractual cash flows not expected to be collected22,542 


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Premises: Land and buildings held for use were valued at appraised values, which reflected considerations of recent disposition values for similar property types with adjustments for characteristics of individual properties.

Intangible assets: Core deposit intangible ("CDI") asset represents the value of the relationships with deposit customers. The fair value for the core deposit intangible asset was estimated based on a discounted cash flow methodology that gave appropriate consideration to expected customer attrition rates, cost of deposit base, net maintenance cost attributable to customer deposits and an estimate of the cost associated with alternative funding sources. The discount rates used for CDI assets were based on market rates. The CDI is being amortized over 10 years utilizing the sum of the months digits accelerated method, which results in a weighted-average amortization period of approximately 41 months.

Lease Assets and Lease Liabilities: Lease assets and lease liabilities were measured using a methodology that involved estimating the future lease payments over the remaining lease term with discounting using a discount rate. The lease term was determined for individual leases based on management's assessment of the probability of exercising existing renewal options.

Deposits: The fair values used for the demand and savings deposits by definition equal the amount payable on demand at the acquisition date. Fair values for time deposits were estimated using a discounted cash flow analysis applying interest rates currently offered to the contractual interest rates on such time deposits.

Borrowings: The fair values of long-term debt instruments were estimated based on quoted market prices for instrument if available, or for similar instruments if not available.


Note 3. Securities

The book values and approximate fair values of investment securities at March 31, 2024 and December 31, 2023 are summarized as follows:
($ in thousands)March 31, 2024December 31, 2023
Amortized
Cost		Fair
Value		UnrealizedAmortized
Cost		Fair
Value		Unrealized
Gains(Losses)Gains(Losses)
Securities available for sale:
U.S. Treasuries$124,876 123,770 — (1,106)174,785 172,570 — (2,215)
Government-sponsored enterprise securities71,965 59,959 — (12,006)71,964 60,266 — (11,698)
Mortgage-backed securities2,291,854 1,886,949 22 (404,927)2,323,674 1,937,784 30 (385,920)
Corporate bonds18,676 17,805 — (871)19,676 18,759 — (917)
Total available for sale$2,507,371 2,088,483 22 (418,910)2,590,099 2,189,379 30 (400,750)
Securities held to maturity:
Mortgage-backed securities$11,369 10,682 — (687)12,085 11,447 — (638)
State and local governments514,258 425,973 5 (88,290)521,593 438,176 39 (83,456)
Total held to maturity$525,627 436,655 5 (88,977)533,678 449,623 39 (84,094)

All of the Company’s mortgage-backed securities were issued by government-sponsored enterprises ("GSEs"), except for private mortgage-backed securities with a fair value of $0.7 million as of March 31, 2024 and December 31, 2023.


Page 13
The following table presents information regarding all securities with unrealized losses at March 31, 2024:
Securities in an Unrealized
Loss Position for
Less than 12 Months		Securities in an Unrealized
Loss Position for
More than 12 Months		Total
($ in thousands)Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses
U.S. Treasuries$— — 123,770 1,106 123,770 1,106 
Government-sponsored enterprise securities— — 59,959 12,006 59,959 12,006 
Mortgage-backed securities448 1 1,895,026 405,613 1,895,474 405,614 
Corporate bonds— — 16,055 871 16,055 871 
State and local governments5,356 26 420,149 88,264 425,505 88,290 
Total unrealized loss position$5,804 27 2,514,959 507,860 2,520,763 507,887 

The following table presents information regarding all securities with unrealized losses at December 31, 2023:
Securities in an Unrealized
Loss Position for
Less than 12 Months		Securities in an Unrealized
Loss Position for
More than 12 Months		Total
($ in thousands)Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses
US Treasury securities$— — 172,570 2,215 172,570 2,215 
Government-sponsored enterprise securities— — 60,266 11,698 60,266 11,698 
Mortgage-backed securities1,117 5 1,945,830 386,553 1,946,947 386,558 
Corporate bonds— — 17,008 917 17,008 917 
State and local governments— — 432,476 83,456 432,476 83,456 
Total unrealized loss position$1,117 5 2,628,150 484,839 2,629,267 484,844 
As of March 31, 2024, the Company's securities portfolio held 651 securities of which 631 securities were in an unrealized loss position. As of December 31, 2023, the Company's securities portfolio held 657 securities of which 632 securities were in an unrealized loss position.
In the above tables, all of the securities that were in an unrealized loss position at March 31, 2024 and December 31, 2023 are bonds that the Company has determined are in a loss position due primarily to interest rate factors and not credit quality concerns. In arriving at this conclusion, the Company reviewed third-party credit ratings and considered the severity of the impairment. The state and local government investments are comprised almost entirely of highly-rated municipal bonds issued by state and local governments throughout the nation. The Company has no significant concentrations of bond holdings from one state or local government entity. Nearly all of our mortgage-backed securities were issued by Federal Home Loan Mortgage Corporation ("FHLMC"), Federal National Mortgage Association ("FNMA"), Government National Mortgage Association ("GNMA"), or the Small Business Administration ("SBA"), each of which is a government agency or GSE and guarantees the repayment of the securities.
At March 31, 2024 and December 31, 2023, the Company determined that expected credit losses associated with held to maturity securities and available for sale debt securities were insignificant.

Page 14
The book values and approximate fair values of investment securities at March 31, 2024, by contractual maturity, are summarized in the table below. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.
 Securities Available for SaleSecurities Held to Maturity
($ in thousands)Amortized
Cost		Fair
Value		Amortized
Cost		Fair
Value
Due within one year$127,379 126,214 — — 
Due after one year but within five years10,000 8,595 1,997 1,805 
Due after five years but within ten years78,138 66,725 148,754 126,626 
Due after ten years— — 363,507 297,542 
Mortgage-backed securities2,291,854 1,886,949 11,369 10,682 
Total securities$2,507,371 2,088,483 525,627 436,655 
At March 31, 2024 and December 31, 2023, investment securities with carrying values of $910.8 million and $971.3 million, respectively, were pledged as collateral for public deposits. In addition, at March 31, 2024 and December 31, 2023, investment securities with carrying values of $668.9 million and $679.0 million, respectively, were pledged as collateral for Federal Reserve Bank ("Federal Reserve") borrowings.
At March 31, 2024 and December 31, 2023, there were no holdings of securities of any one issuer, other than U.S. Government and its agencies or GSEs, in an amount greater than 10% of shareholders' equity.
There were no sales of investment securities during the three months ended March 31, 2024. During that same period, the Company received proceeds from the call of a security of $5.2 million and recorded a $975.2 thousand loss related to the unamortized premium balance at the time of the call. During the three months ended March 31, 2023, the Company sold substantially all of the securities acquired from GrandSouth at their initially recorded fair value. Accordingly, there was no gain or loss recorded on the sale of acquired securities.
Included in “Other assets” in the consolidated balance sheets are investments in Federal Home Loan Bank (“FHLB”) and Federal Reserve stock totaling $41.4 million and $54.5 million at March 31, 2024 and December 31, 2023, respectively. These investments do not have readily determinable fair values. The FHLB stock had a cost of $8.5 million and $21.7 million at March 31, 2024 and December 31, 2023, respectively, and serves as part of the collateral for the Company’s line of credit with the FHLB and is also a requirement for membership in the FHLB system. The Federal Reserve stock had a cost and fair value of $32.9 million and $32.8 million at March 31, 2024 and December 31, 2023, respectively, and is a requirement for Federal Reserve member bank qualification. Periodically, both the FHLB and Federal Reserve recalculate the Company’s required level of holdings, and the Company either buys more stock or redeems a portion of the stock at cost. The Company determined that neither stock was impaired at either period end.
On March 31, 2024, the Company owned 12,356 Class B shares of Visa, Inc. (“Visa”) stock that were received upon Visa’s initial public offering. These shares were expected to convert into Class A Visa shares subsequent to the settlement of certain litigation against Visa, to which the Company is not a party. The Class B shares have transfer restrictions, and the conversion rate into Class A shares was periodically adjusted as Visa settles litigation. The conversion rate at March 31, 2024 was 1.5875, which means the Company would have received approximately 19,615 Class A shares if the stock had converted on that date. As the Class B stock did not have a readily determinable fair value, it was carried at zero. In April 2024, the Class B shares were sold at a conversion rate of 1.5875 and a gain of $4.5 million was recognized.

Page 15
Note 4. Loans, Allowance for Credit Losses, and Asset Quality Information

The following is a summary of the major categories of total loans outstanding:
($ in thousands)March 31, 2024December 31, 2023
 AmountPercentageAmountPercentage
Commercial and industrial$872,623 11 %$905,862 11 %
Construction, development & other land loans904,216 11 %992,980 12 %
Commercial real estate - owner occupied1,238,759 15 %1,259,022 16 %
Commercial real estate - non owner occupied2,524,221 31 %2,528,060 31 %
Multi-family real estate457,142 6 %421,376 5 %
Residential 1-4 family real estate1,684,173 21 %1,639,469 20 %
Home equity loans/lines of credit328,466 4 %335,068 4 %
Consumer loans66,666 1 %68,443 1 %
Subtotal8,076,266 100 %8,150,280 100 %
Unamortized net deferred loan fees240 (178)
Total loans$8,076,506 $8,150,102 

Also included in the table above are various SBA loans, generally originated under the SBA 7A program, with additional information on these loans presented in the table below.
($ in thousands)March 31, 2024December 31, 2023
Guaranteed portions of SBA loans included in table above$35,984 35,462 
Unguaranteed portions of SBA loans included in table above106,375 107,784 
Total SBA loans included in the table above$142,359 143,246 
Sold portions of SBA loans with servicing retained - not included in tables above$344,115 349,275 

At March 31, 2024 and December 31, 2023, there were remaining unaccreted discounts on the retained portion of sold SBA loans amounting to $3.4 million and $3.5 milion, respectively.

At March 31, 2024 and December 31, 2023, loans in the amount of $6.5 billion were pledged as collateral for certain borrowings.

At March 31, 2024 and December 31, 2023, total loans included loans to executive officers and directors of the Company, and their associates, totaling approximately $64.6 million and $63.7 million, respectively. There were no new loans, advances on existing loans totaled approximately $1.4 million for the three months ended March 31, 2024, and repayments amounted to $0.5 million for that period. Available credit on related party loans totaled $1.2 million and $2.7 million at March 31, 2024 and December 31, 2023, respectively.
As of March 31, 2024 and December 31, 2023, unamortized discounts on all acquired loans totaled $21.6 million and $24.0 million, respectively. Loan discounts are generally amortized as yield adjustments over the respective lives of the loans, so long as the loans perform.
Nonperforming assets ("NPAs") are defined as nonaccrual loans, modifications to borrowers in financial distress, loans past due 90 or more days and still accruing interest, and foreclosed real estate.
The following table summarizes the NPAs for each period presented.
($ in thousands)March 31,
2024		December 31,
2023
Nonaccrual loans$35,622 32,208 
Modifications to borrowers in financial distress10,999 11,719 
Total nonperforming loans46,621 43,927 
Foreclosed real estate926 862 
Total nonperforming assets$47,547 44,789 

Page 16
At March 31, 2024 and December 31, 2023, the Company had $1.6 million and $1.0 million, respectively, in residential mortgage loans in the process of foreclosure.
At March 31, 2024 and December 31, 2023, there was one loan with a commitment to lend an immaterial amount of additional funds to a borrower whose loan was nonperforming.
The following table is a summary of the Company’s nonaccrual loans by major categories as of March 31, 2024:
($ in thousands)Nonaccrual Loans with No AllowanceNonaccrual Loans with an AllowanceTotal Nonaccrual Loans
Commercial and industrial$544 12,157 12,701 
Construction, development & other land loans— 61 61 
Commercial real estate - owner occupied879 8,089 8,968 
Commercial real estate - non owner occupied1,890 5,042 6,932 
Residential 1-4 family real estate1,035 3,462 4,497 
Home equity loans/lines of credit525 1,787 2,312 
Consumer loans— 151 151 
Total$4,873 30,749 35,622 

The following table is a summary of the Company’s nonaccrual loans by major categories as of December 31, 2023:
($ in thousands)Nonaccrual Loans with No AllowanceNonaccrual Loans with an AllowanceTotal Nonaccrual Loans
Commercial and industrial$944 8,932 9,876 
Construction, development & other land loans— 399 399 
Commercial real estate - owner occupied960 6,082 7,042 
Commercial real estate - non owner occupied6,121 1,082 7,203 
Residential 1-4 family real estate— 4,843 4,843 
Home equity loans/lines of credit534 2,169 2,703 
Consumer loans— 142 142 
Total$8,559 23,649 32,208 

There was no interest income recognized during the periods presented on nonaccrual loans. The Company follows its nonaccrual policy of reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status.

The following table represents the accrued interest receivables written off by reversing interest income during each period indicated:
($ in thousands)Three Months Ended March 31, 2024For the Year Ended December 31,
2023		Three Months Ended March 31, 2023
Commercial and industrial$216 225 123 
Construction, development & other land loans— 10 — 
Commercial real estate - owner occupied148 124 11 
Commercial real estate - non owner occupied— 186 5 
Residential 1-4 family real estate29 38 8 
Home equity loans/lines of credit7 57 9 
Consumer loans— 2 — 
Total$400 642 156 


Page 17
The following table presents an analysis of the payment status of the Company’s loans as of March 31, 2024:
($ in thousands)Accruing
30-59
Days Past
Due		Accruing
60-89
Days
Past
Due		Nonaccrual
Loans		Accruing
Current		Total Loans
Receivable
Commercial and industrial$1,850 257 12,701 857,815 872,623 
Construction, development & other land loans388 — 61 903,767 904,216 
Commercial real estate - owner occupied1,055 — 8,968 1,228,736 1,238,759 
Commercial real estate - non owner occupied6,944 95 6,932 2,510,250 2,524,221 
Multi-family real estate— — — 457,142 457,142 
Residential 1-4 family real estate15,682 — 4,497 1,663,994 1,684,173 
Home equity loans/lines of credit696 222 2,312 325,236 328,466 
Consumer loans182 66 151 66,267 66,666 
Total$26,797 640 35,622 8,013,207 8,076,266 
Unamortized net deferred loan fees240 
Total loans8,076,506 

The following table presents an analysis of the payment status of the Company’s loans as of December 31, 2023:
($ in thousands)Accruing
30-59
Days
Past
Due		Accruing
60-89
Days
Past
Due		Nonaccrual
Loans		Accruing
Current		Total Loans
Receivable
Commercial and industrial$3,726 257 9,876 892,003 905,862 
Construction, development & other land loans241 256 399 992,084 992,980 
Commercial real estate - owner occupied906 404 7,042 1,250,670 1,259,022 
Commercial real estate - non owner occupied361 — 7,203 2,520,496 2,528,060 
Multi-family real estate— — — 421,376 421,376 
Residential 1-4 family real estate18,868 3,401 4,843 1,612,357 1,639,469 
Home equity loans/lines of credit603 349 2,703 331,413 335,068 
Consumer loans270 131 142 67,900 68,443 
Total$24,975 4,798 32,208 8,088,299 8,150,280 
Unamortized net deferred loan fees(178)
Total loans8,150,102 
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 Company reviews individually evaluated loans on nonaccrual with a net book balance of $500,000 or greater for designation as collateral dependent loans, as well as certain other loans that may still be accruing interest and/or are less than $500,000 in size that management of the Company designates as having higher risk. These loans do not share common risk characteristics and are not included within the collectively evaluated loans for determining the ACL.
The following table presents an analysis of collateral dependent loans of the Company as of March 31, 2024:
($ in thousands)Residential PropertyBusiness AssetsCommercial PropertyTotal Collateral-Dependent Loans
Commercial and industrial$— 878 — 878 
Construction, development & other land loans— 263 3,452 3,715 
Commercial real estate - owner occupied— — 8,645 8,645 
Commercial real estate - non owner occupied— — 15,444 15,444 
Residential 1-4 family real estate1,035 — — 1,035 
Home equity loans/lines of credit525 — — 525 
Total$1,560 1,141 27,541 30,242 


Page 18
The following table presents an analysis of collateral dependent loans of the Company as of December 31, 2023:
($ in thousands)Residential PropertyBusiness AssetsCommercial PropertyTotal Collateral-Dependent Loans
Commercial and industrial$— 2,385 — 2,385 
Commercial real estate - owner occupied— — 1,142 1,142 
Commercial real estate - non owner occupied— — 6,121 6,121 
Home equity loans/lines of credit534 — — 534 
Total$534 2,385 7,263 10,182 

Under CECL, for collateral dependent loans, the Company has adopted the practical expedient to measure the ACL based on the fair value of collateral. The ACL is calculated on an individual loan basis based on the shortfall between the fair value of the loan's collateral, which is adjusted for liquidation costs/discounts, and amortized cost. If the fair value of the collateral exceeds the amortized cost, no allowance is required.

The Company's policy is to obtain third-party appraisals on any significant pieces of collateral. For loans secured by real estate, the Company's policy is to write nonaccrual loans down to 90% of the appraised value, which considers estimated selling costs that are usually incurred when disposing of real estate collateral. For real estate collateral that is in industries which may be undergoing heightened stress due to economic or other external factors, the Company may reduce the collateral values by an additional 10-25% of appraised value to recognize additional discounts that are estimated to be incurred in a near-term sale. For non-real estate collateral secured loans, the Company generally writes nonaccrual loans down to 75% of the appraised value, which provides for selling costs and liquidity discounts that are usually incurred when disposing of non real estate collateral. For reviewed loans that are not on nonaccrual basis, the Company assigns a specific allowance based on the parameters noted above.

The following tables presents the activity in the ACL on loans for each of the periods indicated. Fluctuations in the ACL each period are based on loan mix and growth, changes in the levels of nonperforming loans, economic forecasts impacting loss drivers, other assumptions and inputs to the CECL model, and as occurred in 2023, adjustments for acquired loan portfolios. The change to the level of ACL during the three months ended March 31, 2024 was determined based primarily on updated economic forecasts, which are a key assumption in the CECL model and which indicated a continued deterioration of the commercial real estate index, thus projecting a higher allowance for credit losses balance, partially offset by reductions in loan balances during the period.

($ in thousands)Beginning balanceCharge-offsRecoveriesProvisions / (Reversals)Ending balance
As of and for the three months ended March 31, 2024
Commercial and industrial$21,227 (1,585)243 409 20,294 
Construction, development & other land loans13,940 (79)97 (2,175)11,783 
Commercial real estate - owner occupied18,218 (58)4 (1)18,163 
Commercial real estate - non owner occupied24,916 (158)2 1,492 26,252 
Multi-family real estate3,825 — — 597 4,422 
Residential 1-4 family real estate21,396 — 121 1,187 22,704 
Home equity loans/lines of credit3,339 — 5 (8)3,336 
Consumer loans2,992 (235)57 299 3,113 
Total$109,853 (2,115)529 1,800 110,067 



Page 19
($ in thousands)Beginning balanceInitial ACL for acquired PCD loansCharge-offsRecoveriesProvisions / (Reversals)Ending balance
As of and for the year ended December 31, 2023
Commercial and industrial$17,718 5,197 (8,358)1,393 5,277 21,227 
Construction, development & other land loans15,128 49 (120)370 (1,487)13,940 
Commercial real estate - owner occupied14,972 191 (144)465 2,734 18,218 
Commercial real estate - non owner occupied22,780 51 (235)737 1,583 24,916 
Multi-family real estate2,957 — — 13 855 3,825 
Residential 1-4 family real estate11,354 113 (4)377 9,556 21,396 
Home equity loans/lines of credit3,158 8 (309)98 384 3,339 
Consumer loans2,900 1 (1,005)248 848 2,992 
Total$90,967 5,610 (10,175)3,701 19,750 109,853 

($ in thousands)Beginning balanceInitial ACL for acquired PCD loansCharge-offsRecoveriesProvisions / (Reversals)Ending balance
As of and for the three months ended March 31, 2023
Commercial and industrial$17,718 5,197 (2,177)274 2,061 23,073 
Construction, development & other land loans15,128 49 — 65 3,744 18,986 
Commercial real estate - owner occupied14,972 191 — 36 883 16,082 
Commercial real estate - non owner occupied22,780 51 (235)394 3,000 25,990 
Multi-family real estate2,957 — — 4 243 3,204 
Residential 1-4 family real estate11,354 113 — 146 672 12,285 
Home equity loans/lines of credit3,158 8 (2)34 283 3,481 
Consumer loans2,900 1 (207)36 565 3,295 
Total$90,967 5,610 (2,621)989 11,451 106,396 


Page 20
Credit Quality Indicators
The Company tracks credit quality based on its internal risk ratings. Upon origination, a loan is assigned an initial risk grade, which is generally based on several factors such as the borrower’s credit score, the loan-to-value ratio, the debt-to-income ratio, etc. Loans that are risk-graded as substandard during the origination process are declined. After loans are initially graded, they are monitored regularly for credit quality based on many factors, such as payment history, the borrower’s financial status, and changes in collateral value. Loans can be downgraded or upgraded depending on management’s evaluation of these factors. Internal risk-grading policies are consistent throughout each loan type.
The following describes the Company’s internal risk grades in ascending order of likelihood of loss:
Risk GradeDescription
Pass:
1Loans with virtually no risk, including cash secured loans.
2Loans with documented significant overall financial strength.  These loans have minimum chance of loss due to the presence of multiple sources of repayment – each clearly sufficient to satisfy the obligation.
3Loans with documented satisfactory overall financial strength.  These loans have a low loss potential due to presence of at least two clearly identified sources of repayment – each of which is sufficient to satisfy the obligation under the present circumstances.
4Loans to borrowers with acceptable financial condition.  These loans could have signs of minor operational weaknesses, lack of adequate financial information, or loans supported by collateral with questionable value or marketability.  
5Loans that represent above average risk due to minor weaknesses and warrant closer scrutiny by management.  Collateral is generally required and believed to provide reasonable coverage with realizable liquidation values in normal circumstances.  Repayment performance is satisfactory.
P
(Pass)		Consumer loans that are of satisfactory credit quality with borrowers who exhibit good personal credit history, average personal financial strength and moderate debt levels.  These loans generally conform to Bank policy, but may include approved mitigated exceptions to the guidelines.  
Special Mention:
6Existing loans with defined weaknesses in primary source of repayment that, if not corrected, could cause a loss to the Bank.
Classified:
7An existing loan inadequately protected by the current sound net worth and paying capacity of the obligor or the collateral pledged, if any.  These loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.
8Loans that have a well-defined weakness that make the collection or liquidation in full highly questionable and improbable.  Loss appears imminent, but the exact amount and timing is uncertain.
9Loans that are considered uncollectible and are in the process of being charged-off.  This grade is a temporary grade assigned for administrative purposes until the charge-off is completed.
F
(Fail)		Consumer loans with a well-defined weakness, such as exceptions of any kind with no mitigating factors, history of paying outside the terms of the note, insufficient income to support the current level of debt, etc.

In the tables that follow, substantially all of the "Classified" loans have grades of 7 or Fail, with those categories having similar levels of risk.

The tables below present the Company’s recorded investment in loans by credit quality indicators by year of origination or renewal as of the periods indicated. Acquired loans are presented in the year originated, not in the year of acquisition.

Page 21
Term Loans by Year of Origination
($ in thousands)20242023202220212020PriorRevolvingTotal
As of March 31, 2024
Commercial and industrial
Pass$25,321 106,744 143,282 99,028 79,075 110,534 287,258 851,242 
Special Mention— 86 50 1,877 156 1,932 3,114 7,215 
Classified50 84 2,655 617 767 8,967 1,026 14,166 
Total commercial and industrial25,371 106,914 145,987 101,522 79,998 121,433 291,398 872,623 
Gross charge-offs, YTD— — 255 — 121 215 994 1,585 
Construction, development & other land loans
Pass32,667 317,237 292,169 91,160 29,049 58,583 77,377 898,242 
Special Mention— 377 891 — 158 3,931 16 5,373 
Classified1 — 390 — 67 143 — 601 
Total construction, development & other land loans32,668 317,614 293,450 91,160 29,274 62,657 77,393 904,216 
Gross charge-offs, YTD— 79 — — — — — 79 
Commercial real estate - owner occupied
Pass14,382 136,686 234,302 247,327 186,254 367,230 15,762 1,201,943 
Special Mention— 740 3,939 4,454 296 12,373 — 21,802 
Classified— 73 1,477 1,549 1,206 10,652 57 15,014 
Total commercial real estate - owner occupied14,382 137,499 239,718 253,330 187,756 390,255 15,819 1,238,759 
Gross charge-offs, YTD— — — — — 58 — 58 
Commercial real estate - non owner occupied
Pass18,100 223,154 615,013 703,015 304,502 605,654 28,277 2,497,715 
Special Mention— — 161 — — 17,805 1,450 19,416 
Classified— — — 658 4,233 2,199 — 7,090 
Total commercial real estate - non owner occupied18,100 223,154 615,174 703,673 308,735 625,658 29,727 2,524,221 
Gross charge-offs, YTD— — — — — 158 — 158 
Multi-family real estate
Pass8,262 25,784 118,826 168,105 65,299 46,319 23,876 456,471 
Special Mention— — — — — 671 — 671 
Classified— — — — — — — — 
Total multi-family real estate8,262 25,784 118,826 168,105 65,299 46,990 23,876 457,142 
Gross charge-offs, YTD— — — — — — — — 
Residential 1-4 family real estate
Pass91,863 275,322 417,272 302,005 179,607 404,016 3,171 1,673,256 
Special Mention— — — 31 63 1,471 — 1,565 
Classified262 — — 462 1,194 7,434 — 9,352 
Total residential 1-4 family real estate92,125 275,322 417,272 302,498 180,864 412,921 3,171 1,684,173 
Gross charge-offs, YTD— — — — — — — — 
Home equity loans/lines of credit
Pass233 2,481 833 533 290 2,614 313,602 320,586 
Special Mention— — — 122 — 165 17 304 
Classified— — — 93 91 285 7,107 7,576 
Total home equity loans/lines of credit233 2,481 833 748 381 3,064 320,726 328,466 
Gross charge-offs, YTD— — — — — — — — 
Consumer loans
Pass4,366 14,673 11,269 4,156 1,833 753 29,307 66,357 
Special Mention— — — — — — — — 
Classified134 23 38 43 — 35 36 309 
Total consumer loans4,500 14,696 11,307 4,199 1,833 788 29,343 66,666 
Gross charge-offs, YTD— 4 16 2 — — 213 235 
Total loans$195,641 1,103,464 1,842,567 1,625,235 854,140 1,663,766 791,453 8,076,266 
Unamortized net deferred loan fees240 
Total loans, net of deferred loan fees8,076,506 
Total gross charge-offs, year to date$— 83 271 2 121 431 1,207 2,115 

Page 22
Term Loans by Year of Origination
($ in thousands)20232022202120202019PriorRevolvingTotal
As of December 31, 2023
Commercial and industrial
Pass$136,735 161,131 111,069 75,312 38,495 60,626 302,684 886,052 
Special Mention2,832 2,547 167 185 448 672 1,135 7,986 
Classified1,626 1,152 720 1,389 1,647 4,487 803 11,824 
Total commercial and industrial141,193 164,830 111,956 76,886 40,590 65,785 304,622 905,862 
Gross charge-offs, YTD171 1,036 713 537 821 1,547 3,533 8,358 
Construction, development & other land loans
Pass563,998 231,450 90,374 16,662 11,598 5,816 70,852 990,750 
Special Mention489 273 59 — 2 4 19 846 
Classified657 708 — — 8 11 — 1,384 
Total construction, development & other land loans565,144 232,431 90,433 16,662 11,608 5,831 70,871 992,980 
Gross charge-offs, YTD— — — — — 120 — 120 
Commercial real estate - owner occupied
Pass210,449 323,852 299,135 196,343 92,452 86,784 23,198 1,232,213 
Special Mention338 2,533 271 817 5,755 2,253 — 11,967 
Classified4,456 1,505 1,721 895 2,288 3,904 73 14,842 
Total commercial real estate - owner occupied215,243 327,890 301,127 198,055 100,495 92,941 23,271 1,259,022 
Gross charge-offs, YTD— — 49 — — 92 3 144 
Commercial real estate - non owner occupied
Pass509,596 748,854 722,472 287,235 119,515 84,690 29,001 2,501,363 
Special Mention11,353 199 36 393 1,183 5,942 342 19,448 
Classified871 32 14 4,214 634 1,484 — 7,249 
Total commercial real estate - non owner occupied521,820 749,085 722,522 291,842 121,332 92,116 29,343 2,528,060 
Gross charge-offs, YTD— — 235 — — — — 235 
Multi-family real estate
Pass57,378 137,533 139,879 43,881 12,231 10,323 20,151 421,376 
Special Mention— — — — — — — — 
Classified— — — — — — — — 
Total multi-family real estate57,378 137,533 139,879 43,881 12,231 10,323 20,151 421,376 
Gross charge-offs, YTD— — — — — — — — 
Residential 1-4 family real estate
Pass363,410 400,483 317,515 186,459 94,567 260,102 3,247 1,625,783 
Special Mention681 41 202 64 587 1,987 — 3,562 
Classified1,848 50 474 741 472 6,539 — 10,124 
Total residential 1-4 family real estate365,939 400,574 318,191 187,264 95,626 268,628 3,247 1,639,469 
Gross charge-offs, YTD— — — — — 4 — 4 
Home equity loans/lines of credit
Pass2,830 1,136 1,141 223 499 1,233 319,199 326,261 
Special Mention163 — 122 — — — 18 303 
Classified255 — 146 91 112 10 7,890 8,504 
Total home equity loans/lines of credit3,248 1,136 1,409 314 611 1,243 327,107 335,068 
Gross charge-offs, YTD— — — — — — 309 309 
Consumer loans
Pass16,497 12,906 4,999 2,173 432 429 30,757 68,193 
Special Mention— — — — — — — — 
Classified130 7 45 — 3 34 31 250 
Total consumer loans16,627 12,913 5,044 2,173 435 463 30,788 68,443 
Gross charge-offs, YTD34 79 73 23 — 1 795 1,005 
Total loans$1,886,592 2,026,392 1,690,561 817,077 382,928 537,330 809,400 8,150,280 
Unamortized net deferred loan fees(178)
Total loans, net of deferred loan fees8,150,102 
Total gross charge-offs, year to date$205 1,115 1,070 560 821 1,764 4,640 10,175 

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Loan Modifications to Borrowers Experiencing Financial Difficulty
Occasionally, the Company modifies loans to borrowers in financial distress as a part of our loss mitigation activities. Various types of modification may be offered including principal forgiveness, term extension, payment delays, or interest rate reductions. In some cases, the Company will modify a certain loan by providing multiple types of concessions. Typically, one type of concession, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another concession may be granted. For loans included in the “combination” columns below, multiple types of modifications have been made on the same loan within the current reporting period.

The followings tables present the amortized cost basis at March 31, 2024 and March 31, 2023 of the loans modified during the three months then ended for borrowers experiencing financial difficulty, by loan category and type of concession granted.

($ in thousands)Payment DelayTerm ExtensionCombination - Term Extension and Payment DelayCombination - Interest Rate Reduction and Term ExtensionTotalPercent of Total Class of Loans
As of and for the three months ended March 31, 2024
Commercial and industrial$114 — 878 — 992 0.11 %
Commercial real estate - non owner occupied— 115 — — 115 — %
Home equity loans/lines of credit— 47 — 179 226 0.07 %
Total$114 162 878 179 1,333 0.02 %
($ in thousands)Payment DelayTerm ExtensionCombination - Interest Rate Reduction and Term ExtensionTotalPercent of Total Class of Loans
As of and for the three months ended March 31, 2023
Commercial and industrial$156 1,442 — 1,598 0.18 %
Construction, development & other land loans— 130 14 144 0.01 %
Commercial real estate - non owner occupied— 104 — 104 — %
Residential 1-4 family real estate— 48 — 48 — %
Home equity loans/lines of credit— 103 — 103 0.03 %
Consumer loans— 228 — 228 0.34 %
Total$156 2,055 14 2,225 0.03 %
For the three months ended March 31, 2024 and March 31, 2023, there were no modifications for borrowers experiencing financial difficulty with principal forgiveness concessions.
The following table describes the financial effect for the three months ended March 31, 2024 of the modifications made for borrowers experiencing financial difficulty:
Financial Effect of Modification to Borrowers Experiencing Financial Difficulty
Weighted Average Interest Rate ReductionWeighted Average Payment Delay
(in months)		Weighted Average Term Extension
(in months)
For the three months ended March 31, 2024
Commercial and industrial—%3612
Commercial real estate - non owner occupied—%013
Home equity loans/lines of credit2.09%032

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The following table describes the financial effect for the three months ended March 31, 2023 of the modifications made for borrowers experiencing financial difficulty:
Financial Effect of Modification to Borrowers Experiencing Financial Difficulty
Weighted Average Interest Rate ReductionWeighted Average Payment Delay
(in months)		Weighted Average Term Extension
(in months)
For the three months ended March 31, 2023
Commercial and industrial—%46
Construction, development & other land loans1.50%011
Commercial real estate - non owner occupied—%012
Residential 1-4 family real estate—%014
Home equity loans/lines of credit—%046
Consumer loans—%03
The Company closely monitors the performance of the loans that are modified for borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table depicts the performance of loans that have been modified in the last 12 months as of March 31, 2024:
Payment Status (Amortized Cost Basis)
($ in thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past Due
Commercial and industrial$2,186 69 — — 
Construction, development & other land loans131 — — — 
Commercial real estate - owner occupied4,378 — — — 
Commercial real estate - non owner occupied115 — — — 
Residential 1-4 family real estate595 76 — — 
Home equity loans/lines of credit3,111 — — — 
Consumer loans3 — — — 
$10,519 145 — — 
The following table depicts the performance of loans that have been modified in the last 12 months as of December 31, 2023:
Payment Status (Amortized Cost Basis)
($ in thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past Due
Commercial and industrial$2,841 — — — 
Construction, development & other land loans362 — — — 
Commercial real estate - owner occupied4,455 — — — 
Commercial real estate - non owner occupied206 — — — 
Residential 1-4 family real estate656 79 — — 
Home equity loans/lines of credit3,114 — — — 
Consumer loans6 — — — 
$11,640 79 — — 
None of the modifications made for borrowers experiencing financial difficulty during the three months ended March 31, 2024 and March 31, 2023 are considered to have had a payment default.
Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the ACL is adjusted by the same amount.

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Concentration of Credit Risk
Most of the Company's business activity is with customers located within the markets where it has banking operations. Therefore, the Company’s exposure to credit risk is significantly affected by changes in the economy within its markets. Approximately 88% of the Company's loan portfolio is secured by real estate and is therefore susceptible to changes in real estate valuations. There have been no material changes to the primary loan markets (as identified by counties) from year end.
Allowance for Unfunded Loan Commitments
In addition to the ACL on loans, the Company maintains an allowance for lending-related commitments such as unfunded loan commitments and letters of credit. The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The allowance for lending-related commitments on off-balance sheet credit exposures is adjusted as a provision for unfunded commitments expense. The estimate includes consideration of the likelihood that funding will occur, which is based on a historical funding study derived from internal information, and an estimate of expected credit losses on commitments expected to be funded over its estimated life, which are the same loss rates that are used in computing the ACL on loans. The allowance for unfunded loan commitments of $10.8 million and $11.4 million at March 31, 2024 and December 31, 2023, respectively, were separately classified on the consolidated balance sheets within "Other liabilities."
The following table presents the balance and activity in the allowance for unfunded loan commitments for the three months ended March 31, 2024 and 2023 and for the twelve months ended December 31, 2023:
($ in thousands)March 31, 2024December 31, 2023March 31, 2023
Beginning balance$11,369 13,306 13,306 
Initial provision for credit losses on unfunded commitments acquired from GrandSouth— 1,921 1,921 
Charge-offs— — — 
Recoveries— — — 
Reversal of provision for unfunded commitments(601)(3,858)(870)
Ending balance$10,768 11,369 14,357 

Allowance for Credit Losses - Securities Held to Maturity
The ACL for securities held to maturity was insignificant at March 31, 2024 and December 31, 2023.

Note 5. Goodwill and Other Intangible Assets
The following is a summary of the gross carrying amount and accumulated amortization of amortizable intangible assets and the carrying amount of unamortized intangible assets as of the periods presented.
March 31, 2024December 31, 2023
($ in thousands)Gross Carrying
Amount		Accumulated
Amortization		Net AmountGross Carrying
Amount		Accumulated
Amortization		Net Amount
Amortizable intangible assets:
Customer lists$2,700 2,247 453 2,700 2,167 533 
Core deposit intangibles57,890 30,605 27,285 57,890 28,932 28,958 
Other intangibles100 89 11 100 83 17 
Intangibles before servicing assets60,690 32,941 27,749 60,690 31,182 29,508 
SBA servicing assets14,190 11,053 3,137 13,966 10,616 3,350 
Total amortizable intangible assets$74,880 43,994 30,886 74,656 41,798 32,858 
Unamortizable intangible assets:
Goodwill$478,750 478,750 

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Customer lists are generally amortized over five years and core deposit intangibles are generally amortized over 10 years, both at an accelerated rate.
Amortization expense of all other intangible assets, excluding the SBA servicing assets, totaled $1.8 million and $2.1 million for the three months ended March 31, 2024 and 2023, respectively.
During the three months ended March 31, 2024 and 2023, the Company recorded $0.7 million and $1.0 million, respectively in SBA guaranteed servicing fee income. There was no impairment of SBA servicing assets at March 31, 2024 and December 31, 2023 and no significant changes in fair value assumptions from year end.
The following table presents the changes in the SBA servicing assets and SBA servicing income for the three months ended March 31, 2024 and 2023.
Three months ended March 31,
20242023
Beginning balance, net$3,350 4,004 
Add: New servicing assets224 77 
Less: Amortization expense and impairment charges437 184 
Ending balance, net$3,137 3,897 
Goodwill is evaluated for impairment on at least an annual basis, with the annual evaluation occurring as of October 31 of each year. Goodwill is also evaluated for impairment any time there is a triggering event indicating that impairment may have occurred. No triggering events were identified during 2024 to date and, therefore, the Company did not perform interim impairment evaluations. The Company's most recent evaluation of goodwill, which occurred in the fourth quarter of 2023, indicated that there was no goodwill impairment. There was no change to carrying amounts of goodwill during the first quarter of 2024.
The following table presents the estimated amortization expense schedule related to acquisition-related amortizable intangible assets, excluding the SBA servicing assets. These amounts will be recorded as "Intangibles amortization expense" within the noninterest expense section of the consolidated statements of income. These estimates are subject to change in future periods to the extent management determines it is necessary to make adjustments to the carrying value or estimated useful lives of amortized intangible assets.
($ in thousands)Estimated Amortization
Expense
April 1, 2024 to December 31, 2024$4,844 
20255,672 
20264,705 
20273,951 
20283,197 
Thereafter5,380 
Total$27,749 


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Note 6. Borrowings
The following tables present information regarding the Company’s outstanding borrowings at March 31, 2024 and December 31, 2023 (dollars in thousands):
DescriptionDue dateCall FeatureBalance at March 31, 2024Interest Rate
FHLB Principal Reducing Credit6/26/2028None$200 
0.25% fixed
FHLB Principal Reducing Credit7/17/2028None29 
0.00% fixed
FHLB Principal Reducing Credit8/18/2028None148 
1.00% fixed
FHLB Principal Reducing Credit8/22/2028None149 
1.00% fixed
FHLB Principal Reducing Credit12/20/2028None312 
0.50% fixed
FRB Bank Term Funding Program12/20/2024None174,000 
4.85% fixed
FRB Bank Term Funding Program12/27/2024None25,000 
4.83% fixed
FRB Bank Term Funding Program1/10/2025None32,000 
4.81% fixed
Trust Preferred Securities1/23/2034Quarterly by Company
beginning 1/23/2009		10,310 
8.23% at 3/31/24 adjustable rate 3 month CME Term SOFR+ 2.91%
Trust Preferred Securities1/23/2034Quarterly by Company
beginning 1/23/2009		10,310 
 8.33% at 3/31/24 adjustable rate 3 month CME Term SOFR + 3.01%
Trust Preferred Securities9/20/2034Quarterly by Company
beginning 9/20/2009		12,372 
7.74% at 3/31/24 adjustable rate 3 month CME Term SOFR + 2.41%
Trust Preferred Securities1/7/2035Quarterly by Company
beginning 1/7/2010		10,310 
7.58% at 3/31/24 adjustable rate 3 month CME Term SOFR + 2.00%
Trust Preferred Securities6/15/2036Quarterly by Company
beginning 6/15/2011		25,774 
6.98% at 3/31/24 adjustable rate 3 month CME Term SOFR + 1.65%
Trust Preferred Securities6/23/2036Quarterly by the Company beginning 6/23/20118,248 
7.43% at 3/31/24 adjustable rate 3 month CME Term SOFR + 2.11%
Subordinated Debentures11/30/2028Continuous by Company beginning 11/30/202310,000 
8.99% at 3/31/24 adjustable rate 3 month CME Term SOFR + 3.69%
Subordinated Debentures11/15/2030Continuous by Company beginning 11/15/202518,000 
4.38% fixed
Total borrowings / weighted average rate as of March 31, 2024
337,162 5.56%
Unamortized discount on acquired borrowings(4,827)
Total borrowings$332,335 




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DescriptionDue dateCall FeatureBalance at December 31, 2023Interest Rate
FHLB Principal Reducing Credit6/26/2028None$203 
0.25% fixed
FHLB Principal Reducing Credit7/17/2028None31 
0.00% fixed
FHLB Principal Reducing Credit8/18/2028None151 
1.00% fixed
FHLB Principal Reducing Credit8/22/2028None151 
1.00% fixed
FHLB Principal Reducing Credit12/20/2028None315 
0.50% fixed
FHLB Fixed Rate Credit1/16/2024None80,000 
5.59% fixed
FHLB Fixed Rate Credit2/27/2024None100,000 
5.61% fixed
FHLB Fixed Rate Credit3/20/2024None100,000 
5.61% fixed
FRB Bank Term Funding Program12/20/2024None224,000 
4.85% fixed
FRB Bank Term Funding Program12/27/2024None25,000 
4.83% fixed
Trust Preferred Securities1/23/2034Quarterly by Company
beginning 1/23/2009		10,310 
8.30% at 12/31/23 adjustable rate 3 month CME Term SOFR + 2.91%
Trust Preferred Securities1/23/2034Quarterly by Company
beginning 1/23/2009		10,310 
 8.40% at 12/31/23 adjustable rate 3 month CME Term SOFR + 3.01%
Trust Preferred Securities9/20/2034Quarterly by Company
beginning 9/20/2009		12,372 
7.78% at 12/31/23 adjustable rate 3 month CME Term SOFR + 2.41%
Trust Preferred Securities1/7/2035Quarterly by Company
beginning 1/7/2010		10,310 
7.66% at 12/31/23 adjustable rate 3 month CME Term SOFR + 2.00%
Trust Preferred Securities6/15/2036Quarterly by Company
beginning 6/15/2011		25,774 
7.04% at 12/31/23 adjustable rate 3 month CME Term SOFR + 1.65%
Trust Preferred Securities6/23/2036Quarterly by Company beginning 6/23/20118,248 
7.47% at 12/31/23 adjustable rate 3 month CME Term SOFR + 2.11%
Subordinated Debentures11/30/2028Continuous by Company beginning 11/30/202310,000 
9.09% at 12/31/23 adjustable rate 3 month CME Term SOFR + 3.69%
Subordinated Debentures11/15/2030Continuous by Company beginning 11/15/202518,000 
4.38% fixed
Total borrowings / weighted average rate as of December 31, 2023
635,175 5.57%
Unamortized discount on acquired borrowings(5,017)
Total borrowings$630,158 

Note 7. Leases
The Company enters into leases in the normal course of business. As of March 31, 2024, the Company leased 16 bank branch offices for which the land and buildings are leased and ten branch offices for which the land is leased but the buildings are owned. The Company also leases office space for several operational departments. The lease agreements have maturity dates ranging from July 2024 through May 2076, some of which include options for multiple five- and ten-year extensions. The weighted average remaining life of the lease term for these leases was 19.9 years as of March 31, 2024. Certain of the Company's lease agreements include variable lease payments based on changes in inflation, with the impact of that factor being insignificant to the Company's total lease expense. As permitted by applicable accounting standards, the Company has elected not to recognize leases with original lease terms of twelve months or less (short-term leases) on the Company's consolidated balance sheets. The short-term lease cost for each period presented was insignificant.
Leases are classified as either operating or finance leases at the lease commencement date and all of the Company's leases have been determined to be operating leases. Lease expense for operating leases and short-term leases is recognized on a straight-line basis over the applicable lease term. Right-of-use assets represent the Company's right to use an underlying asset for the lease term and lease liabilities represent the Company's obligation to make lease payments arising from the lease. Right-of-use assets and lease liabilities are recognized at the lease commencement date based on the estimated present value of lease payments over the lease term.

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The Company uses its incremental borrowing rate, on a collateralized basis, at lease commencement to calculate the present value of lease payments when the rate implicit in the lease is not known. The weighted average discount rate for leases was 3.22% and 3.19% as of March 31, 2024 and December 31, 2023, respectively.
The right-of-use assets and lease liabilities were $16.6 million and $17.3 million as of March 31, 2024, respectively, and were $17.1 million and $17.8 million as of December 31, 2023, respectively.
Total operating lease expenses were $0.7 million and $0.8 million for the three months ended March 31, 2024 and 2023, respectively.
Future undiscounted lease payments for operating leases with initial terms of greater than one year as of March 31, 2024 are as follows:
($ in thousands)
April 1, 2024 to December 31, 2024$1,813 
20251,914 
20261,633 
20271,359 
20281,267 
Thereafter17,222 
Total undiscounted lease payments25,208 
Less effect of discounting(7,865)
Present value of estimated lease payments (lease liability)$17,343 

Note 8. Pension Plans
The Company sponsors a Supplemental Executive Retirement Plan (the “SERP”) which was historically for the benefit of certain senior management executives of the Company. Effective December 31, 2012, the Company froze the SERP for all participants. Although no previously accrued benefits were lost, no additional accruals of benefits under this plan for service subsequent to 2012 have been made.
During 2023, the Company terminated its qualified retirement plan (the "Pension Plan") which had previously been available to all employees, although the Pension Plan had been frozen with accrual of benefits discontinued in 2012. In the fourth quarter of 2023, the Pension Plan settled benefits through lump-sum payments of approximately $9.2 million to eligible participants electing that option and purchased annuity contracts from One America (the "Insurer") which irrevocably transferred to the Insurer approximately $19.5 million of the Pension Plan's obligations and related assets, thereby reducing the Pension Plan's obligations at December 31, 2023 to zero. The Insurer will administer all future payments to remaining participants of the Pension Plan.
The Company recorded periodic pension cost totaling $63,000 and $51,000 for the three months ended March 31, 2024 and 2023, respectively. The following table contains the components of the pension cost:
Three Months Ended March 31, 2024
($ in thousands)SERP
Service cost$— 
Interest cost38 
Expected return on plan assets— 
Amortization of net loss25 
Net periodic pension cost$63 

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 Three Months Ended March 31, 2023
($ in thousands)Pension PlanSERPTotal Both Plans
Service cost$— — — 
Interest cost267 28 295 
Expected return on plan assets(288)— (288)
Amortization of net loss (gain)180 (136)44 
Net periodic pension cost$159 (108)51 

The service cost component of net periodic pension cost is included in salaries and benefits expense and all other components of net periodic pension cost are included in other noninterest expense.
The Company’s funding policy with respect to the SERP is to fund the related benefits from the operating cash flow of the Company.
Note 9. Fair Value of Financial Instruments
Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal and most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair value:
Level 1: Quoted prices (unadjusted) of identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.
Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.
The following table summarizes the Company’s financial instruments that were measured at fair value on a recurring and nonrecurring basis at March 31, 2024:
($ in thousands)

Description of Financial Instruments
Fair Value at March 31, 2024Quoted Prices in Active Markets for Identical Assets
(Level 1)		Significant Other
Observable Inputs
(Level 2)		Significant
Unobservable Inputs
(Level 3)
Recurring
Securities available for sale:
U.S. Treasury$123,770 — 123,770 — 
Government-sponsored enterprise securities59,959 — 59,959 — 
Mortgage-backed securities1,886,949 — 1,886,949 — 
Corporate bonds17,805 — 17,805 — 
Total available for sale securities$2,088,483 — 2,088,483 — 
Derivative financial assets$— — — — 
Presold mortgages in process of settlement$6,703 — 6,703 — 
Derivative financial liabilities$30 — 30 — 
Nonrecurring
Individually evaluated loans$4,638 — — 4,638 


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The following table summarizes the Company’s financial instruments that were measured at fair value on a recurring and nonrecurring basis at December 31, 2023:
($ in thousands)

Description of Financial Instruments
Fair Value at December 31, 2023Quoted Prices in Active Markets for Identical Assets
(Level 1)		Significant Other
Observable Inputs
(Level 2)		Significant
Unobservable
Inputs
(Level 3)
Recurring
Securities available for sale:
US Treasury securities$172,570 — 172,570 — 
Government-sponsored enterprise securities60,266 — 60,266 — 
Mortgage-backed securities1,937,784 — 1,937,784 — 
Corporate bonds18,759 — 18,759 — 
Total available for sale securities$2,189,379 — 2,189,379 — 
Derivative financial assets$295 — 295 — 
Presold mortgages in process of settlement$2,667 — 2,667 — 
Derivative financial liabilities$349 — 349 — 
Nonrecurring
Individually evaluated loans$1,953 — — 1,953 
The following is a description of the valuation methodologies used for financial instruments measured at fair value.
Securities Available for Sale — When quoted market prices are available in an active market, the securities are classified as Level 1 in the valuation hierarchy. If quoted market prices are not available, but fair values can be estimated by observing quoted prices of securities with similar characteristics, the securities are classified as Level 2 on the valuation hierarchy. Most of the fair values for the Company’s Level 2 securities are determined by the Company's third-party bond accounting provider using matrix pricing. Matrix pricing is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities. For the Company, Level 2 securities include mortgage-backed securities, commercial mortgage-backed obligations, government-sponsored enterprise securities, and corporate bonds. In cases where Level 1 or Level 2 inputs are not available, securities may be classified within Level 3 of the hierarchy.
The Company reviews the pricing methodologies utilized by the bond accounting provider to ensure the fair value determination is consistent with the applicable accounting guidance and that the investments are properly classified in the fair value hierarchy.
Presold Mortgages in Process of Settlement - The fair value is based on the committed price that an investor has agreed to pay for the loan which is considered a Level 2 input.
Derivative financial assets and liabilities - The fair values of interest rate swaps are determined using the market standard methodology of netting the discounted future fixed cash receipts (or payments) and the discounted expected variable cash payments (or receipts). The variable cash payments (or receipts) are based on an expectation of future interest rates (forward curves) derived from observable market interest rate curves. These are considered a Level 2 input.
Individually evaluated loans — Fair values for individually evaluated loans are measured on a non-recurring basis and are based on the underlying collateral values securing the loans, adjusted for estimated selling costs, or the net present value of the cash flows expected to be received for such loans. Collateral may be in the form of real estate or business assets including equipment, inventory and accounts receivable. The vast majority of the collateral is real estate. The value of real estate collateral is generally determined by third-party appraisers using an income or market valuation approach based on an appraisal conducted by an independent, licensed third party appraiser (Level 3). The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable borrower’s financial statements if not considered significant. Likewise, values for inventory and accounts receivable collateral are based on borrower financial statement balances or aging reports on a discounted basis as appropriate (Level 3). Appraisals used in this analysis are generally obtained at least annually based on when the loans

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first became impaired, and thus the appraisals are not necessarily as of the period ends presented. Any fair value adjustments are recorded in the period incurred as provision for credit losses on the consolidated statements of income.
For Level 3 assets and liabilities measured at fair value on a non-recurring basis as of March 31, 2024, the significant unobservable inputs used in the fair value measurements were as presented in the tables below:
($ in thousands)Fair Value at March 31, 2024Valuation
Technique		Significant Unobservable
Inputs		Range (Weighted Average)
Individually evaluated loans - collateral-dependent$4,638 Appraised valueDiscounts applied for estimated costs to sell10%
For Level 3 assets and liabilities measured at fair value on a non-recurring basis as of December 31, 2023, the significant unobservable inputs used in the fair value measurements were as follows:
($ in thousands)Fair Value at December 31, 2023Valuation
Technique		Significant Unobservable
Inputs		Range (Weighted Average)
Individually evaluated loans - collateral-dependent$1,953 Appraised valueDiscounts applied for estimated costs to sell10%

In the above tables, weighted average discounts were calculated on relative fair value for underlying loans based on the range of discount rates applied. The discount applied for estimated costs to sell collateral on individually evaluated loans was 10%.
The carrying amounts and estimated fair values of financial instruments not carried at fair value at March 31, 2024 and December 31, 2023 were as follows:
  March 31, 2024December 31, 2023
($ in thousands)Level in Fair
Value
Hierarchy		Carrying
Amount		Estimated
Fair Value		Carrying
Amount		Estimated
Fair Value
Cash and due from banks, noninterest-bearingLevel 1$87,181 87,181 100,891 100,891 
Due from banks, interest-bearingLevel 1266,661 266,661 136,964 136,964 
Securities held to maturityLevel 2525,627 436,655 533,678 449,623 
Total loans, net of allowanceLevel 37,966,439 7,198,019 8,040,249 7,379,079 
Accrued interest receivableLevel 135,147 35,147 37,351 37,351 
Bank-owned life insuranceLevel 1185,061 185,061 183,897 183,897 
SBA Servicing AssetLevel 33,137 3,984 3,351 4,049 
Demand deposits, money market and savingsLevel 29,136,213 9,136,213 9,052,905 9,052,905 
Time depositsLevel 21,167,098 1,160,751 978,694 972,513 
BorrowingsLevel 2332,335 318,292 630,158 615,614 
Accrued interest payableLevel 19,847 9,847 5,699 5,699 
Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no highly liquid market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.
Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets and liabilities that are not considered financial assets or liabilities include net premises and equipment, intangible and other assets such as deferred income taxes, prepaid expense

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accounts, income taxes currently payable, and other various accrued expenses. In addition, the income tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates.

Note 10. Stock-Based Compensation
The Company recorded total stock-based compensation expense of $0.7 million and $1.1 million for the three months ended March 31, 2024 and 2023, respectively, which is included in "Total personnel expense" on the accompanying consolidated statements of income. The Company recognized $153,000 and $259,000 of income tax benefits related to stock-based compensation expense in its income statement for the three months ended March 31, 2024 and 2023, respectively.
At March 31, 2024, the sole equity-based compensation plan of the Company was the First Bancorp 2014 Equity Plan (the "Equity Plan"), which was approved by shareholders on May 8, 2014. As of March 31, 2024, the Equity Plan had 191,593 shares remaining available for grant.
The Equity Plan is intended to serve as a means to attract, retain, and motivate key employees and directors and to associate the interests of the Plan's participants with those of the Company and its shareholders. The Equity Plan allows for both grants of stock options and other types of equity-based compensation, including stock appreciation rights, restricted and unrestricted stock, restricted performance stock, and performance units. For the last several years, the only equity-based compensation granted by the Company has been shares of restricted stock, as it relates to employees, and unrestricted stock as it relates to non-employee directors.
Recent restricted stock awards to employees typically include service-related vesting conditions only. Compensation expense for these grants is recorded over the requisite service periods. Upon forfeiture, any previously recognized compensation cost is reversed. Upon a change in control (as defined in the Equity Plan), unless the awards remain outstanding or substitute equivalent awards are provided, the awards become immediately vested.
Certain of the Company’s equity grants contain terms that provide for a graded vesting schedule whereby portions of the award vest in increments over the requisite service period. The Company recognizes compensation expense for awards with graded vesting schedules on a straight-line basis over the requisite service period for each incremental award. Compensation expense is based on the estimated number of stock awards that will ultimately vest. Over the past five years, there have been insignificant amounts of forfeitures, and therefore the Company assumes that all awards granted with service conditions will vest. The Company recognizes forfeitures as they occur.
In addition to employee equity awards, the Company's practice is to grant unrestricted common shares to each non-employee director (currently 14 in total) in June of each year. The grants was valued at approximately $37,500 in 2023 and is expected to be the same in 2024. Compensation expense associated with these director awards is recognized on the date of the award since there are no vesting conditions.
The following table presents information regarding the activity for the first three months of 2024 related to the Company’s outstanding restricted stock awards:
Long-Term Restricted Stock Awards
Number of UnitsWeighted-Average
Grant-Date Fair Value
Nonvested at January 1, 2024291,291 $38.01 
Granted during the period13,905 35.26 
Vested during the period(10,614)41.62 
Forfeited or expired during the period— — 
Nonvested at March 31, 2024294,582 $37.31 
Total unrecognized compensation expense as of March 31, 2024 amounted to $4.6 million with a weighted average remaining term of 1.7 years. For the nonvested awards that were outstanding at March 31, 2024, the Company

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expects to record $3.0 million in compensation expense in the next twelve months, $2.6 million of which is expected to be recorded in the remaining quarters of 2024.

Note 11. Earnings Per Share
The following is a reconciliation of the numerators and denominators used in computing Basic and Diluted Earnings Per Common Share ("EPS"):
 For the Three Months Ended March 31,
 20242023
($ in thousands except per
share amounts)		Income
(Numerator)		Shares
(Denominator)		Per Share
Amount		Income
(Numerator)		Shares
(Denominator)		Per Share
Amount
Basic EPS:
Net income$25,272 $15,161 
Less: income allocated to restricted stock(178)(109)
Basic EPS per common share$25,094 40,843,865 $0.61 $15,052 40,583,417 $0.37 
Diluted EPS:
Net income $25,272 40,843,865 $15,161 40,583,417 
Effect of dilutive securities— 405,771 — 529,275 
Diluted EPS per common share$25,272 41,249,636 $0.61 $15,161 41,112,692 $0.37 

Note 12. Accumulated Other Comprehensive Income (Loss)
The components of accumulated other comprehensive income (loss) ("AOCI") for the Company are as follows:
($ in thousands)March 31, 2024December 31, 2023
Unrealized loss on securities available for sale$(418,888)(400,720)
Deferred tax asset 96,973 92,767 
Net unrealized loss on securities available for sale(321,915)(307,953)
Postretirement plans liability(75)(100)
Deferred tax asset17 23 
Net postretirement plans liability(58)(77)
Total accumulated other comprehensive loss$(321,973)(308,030)
The following tables disclose the changes in AOCI for the three months ended March 31, 2024 and 2023 (all amounts are net of tax):
For the Three Months Ended March 31, 2024
($ in thousands)Unrealized Loss on
Securities
Available for Sale		Postretirement Plans Asset
(Liability)		Total
Beginning balance$(307,953)(77)(308,030)
Other comprehensive loss before reclassifications(14,711)— (14,711)
Amounts reclassified from accumulated other comprehensive income
749 19 768 
Net current period other comprehensive (loss) income(13,962)19 (13,943)
Ending balance$(321,915)(58)(321,973)

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For the Three Months Ended March 31, 2023
($ in thousands)Unrealized Loss on
Securities
Available for Sale		Postretirement Plans Asset
(Liability)		Total
Beginning balance$(342,017)42 (341,975)
Other comprehensive income before reclassifications27,908 — 27,908 
Amounts reclassified from accumulated other comprehensive income
— 33 33 
Net current period other comprehensive income27,908 33 27,941 
Ending balance$(314,109)75 (314,034)
Amounts reclassified from AOCI for unrealized gain (loss) on securities available for sale represent realized securities gains or losses, net of tax effects. There were no security sales resulting in gains or losses in any period presented. Amounts reclassified from AOCI for postretirement plans asset (liability) represent amortization of amounts included in AOCI, net of taxes, and are recorded in the "Other operating expenses" line item of the consolidated statements of income.


Note 13. Revenue from Contracts with Customers

All of the Company’s revenues that are in the scope of the “Revenue from Contracts with Customers” accounting standard (“ASC 606”) are recognized within noninterest income. The following table presents the Company’s sources of noninterest income for the three months ended March 31, 2024 and 2023. Items outside the scope of ASC 606 are noted as such.
For the Three Months Ended
($ in thousands)March 31, 2024March 31, 2023
Noninterest Income in-scope of ASC 606:
Service charges on deposit accounts$3,868 3,894 
Other service charges, commissions and fees:
Bankcard interchange income, net2,314 2,582 
Other service charges and fees1,848 3,318 
Commissions from the sales of financial products1,320 1,306 
SBA consulting fees257 521 
Noninterest income (in-scope of ASC 606)9,607 11,621 
Noninterest income (out-of-scope of ASC 606)3,331 1,915 
Total noninterest income$12,938 13,536 
A description of the Company’s revenue streams accounted for under ASC 606 is detailed below.
Service Charges on Deposit Accounts: The Company earns fees from its deposit customers for transaction-based, account maintenance, and overdraft services. Overdraft fees are recognized at the point in time that the overdraft occurs. Maintenance and activity fees include account maintenance fees and transaction-based fees. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of the month, representing the period over which the Company satisfies the performance obligation. Transaction-based fees, which include services such as ATM usage fees, stop payment charges, statement rendering, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the customer’s request. Service charges on deposits are withdrawn from the customer’s account balance.
Other service charges, commissions, and fees: The Company earns interchange income on its customers’ debit and credit card usage and earns fees from other services utilized by its customers. "Bankcard interchange income" is primarily comprised of interchange fees earned whenever the Company’s debit and credit cards are processed through card payment networks such as MasterCard. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder. Interchange fees are offset with interchange expenses and are presented on a net basis. "Other service charges and fees" includes revenue from processing wire transfers, bill pay

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service, cashier’s checks, ATM surcharge fees, and other services. The Company’s performance obligation for fees, exchange, and other service charges are largely satisfied, and related revenue recognized, when the services are rendered or upon completion. Payment is typically received immediately or in the following month.
Commissions from the sales of financial products: The Company earns commissions from the sale of wealth management products which primarily consist of commissions received on financial product sales, such as annuities. The Company’s performance obligation is generally satisfied upon the issuance of the financial product. Shortly after the policy is issued, the carrier remits the commission payment to the Company, and the Company recognizes the revenue. The Company also earns some fees from asset management, which is billed quarterly and due upon billing for services rendered in the most recent period, for which the performance obligation has been satisfied.
SBA Consulting fees: The Company earns fees for its consulting services related to the origination of SBA loans. Fees are based on a percentage of the dollar amount of the originated loans and are recorded when the performance obligation has been satisfied and are due upon billing.
The Company has made no significant judgments in applying the revenue guidance prescribed in ASC 606 that affect the determination of the amount and timing of revenue from the above-described contracts with customers.



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Item 2 - Management's Discussion and Analysis of Consolidated Results of Operations and Financial Condition

Highlights of the results for the quarter and year-to-date period are presented below (refer also to additional discussion in the "Results of Operations" and "Financial Condition" sections following). Comparisons for the financial periods presented are impacted by the GrandSouth acquisition which was completed on January 1, 2023 with the related core system conversion occurring in March 2023.

Overview and Highlights at and for Three Months Ended March 31, 2024

We earned net income of $25.3 million, or $0.61 diluted EPS, during the three months ended March 31, 2024 compared to net income of $15.2 million, or $0.37 diluted EPS, for the three months ended March 31, 2023. The increase in net income in the the current year period as compared to the prior year period was related to higher merger and acquisition expense and the initial provision for credit losses related to the GrandSouth acquisition in the prior year, the elimination of such which more that offset the increase in interest expense during the three months ended March 31, 2024.
•Net interest income for the first quarter of 2024 was $79.2 million, a 14.3% decrease from the $92.5 million recorded in the first quarter of 2023. The decrease in net interest income from the prior year period was driven by higher cost of funds, partially offset by higher yield on earning assets.
•Net interest margin ("NIM") on a tax-equivalent basis decreased in the first quarter of 2024 to 2.80% from 3.31% for the first quarter of 2023 as a result of the higher cost of funds and decreased loan accretion, partially offset by increases in market interest rates driving higher yields on loans and other earning assets.
•The decline in the provision for credit losses from the first quarter of 2023 was directly related to the GrandSouth acquisition for which an initial provision was recorded totaling $12.2 million.
•Noninterest income for the three months ended March 31, 2024 totaled $12.9 million which was a decrease of $0.6 million, or 4.4%, from the comparable period of 2023 and was primarily related to securities losses.
•Noninterest expense of $59.2 million for the quarter ended March 31, 2024 decreased $15.0 million, or 20.2%, from the three months ended March 31, 2023 which included $12.2 million of merger and acquisition expense resulting from the GrandSouth acquisition.

Total assets at March 31, 2024 amounted to $12.1 billion, a 0.2% decrease from December 31, 2023, and was driven primarily by intentional reductions in investment securities and loan balances, partially offset by higher interest-bearing cash balances. The primary balance sheet changes are presented below.
•Total loans amounted to $8.1 billion at March 31, 2024, reflecting a $73.6 million contraction from December 31, 2023.
•Total deposits were $10.3 billion at March 31, 2024, an increase of $271.7 million, or 2.71%, from December 31, 2023.
•Credit quality continued to be strong at March 31, 2024, with a NPA to total assets ratio of 0.39% as of March 31, 2024.
•Our on-balance sheet liquidity ratio was 15.5% at March 31, 2024. Available off-balance sheet sources totaled $2.3 billion at quarter end, resulting in a total liquidity ratio of 31.4%.
•We remained well-capitalized by all regulatory standards with a total common equity Tier 1 ratio of 13.50% and total risk-based capital ratio of 15.85% at March 31, 2024.
Critical Accounting Estimates
The accounting principles we follow and our methods of applying these principles conform with GAAP and with general practices followed by the banking industry. Certain policies inherently have a greater reliance on the use of estimates, assumptions, or judgments and as such, have a greater possibility of producing results that could be materially different than originally reported. We have identified the determination of our ACL and related Allowance for Unfunded Commitments, as well as business combinations, related fair value measurements and goodwill

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determination to be the accounting areas that require the most subjective or complex judgments, estimates, and assumptions, and where changes in those judgments, estimates, and assumptions (based on new or additional information, changes in the economic climate and/or market interest rates, etc.) could have a significant effect on our financial statements.
The following should be read in conjunction with our significant accounting policies as presented in Note 1 of the 2023 Annual Report on Form 10-K filed with the SEC.
Allowance for Credit Losses on Loans and Allowance for Unfunded Commitments
While management uses the best information available to establish the ACL, future adjustments to the ACL and methodology may be necessary if economic or other conditions differ substantially from the assumptions used in making the estimates. We perform periodic and systematic detailed reviews of the loan portfolio to identify trends and to assess the overall collectability of the portfolio. We believe the accounting estimate related to the ACL is a “critical accounting estimate” as: (1) changes in it can materially affect the provision for credit losses and net income; (2) it requires management to predict borrowers’ likelihood or capacity to repay, including evaluation of inherently uncertain future economic conditions; (3) the value of underlying collateral must be estimated on collateral-dependent loans; (4) prepayment activity must be projected to estimate the life of loans that often are shorter than contractual terms; and (5) it requires estimation of a reasonable and supportable forecast period for credit losses. Accordingly, this is a highly subjective process and requires significant judgment since it is difficult to evaluate current and future economic conditions in relation to an overall credit cycle and estimate the timing and extent of loss events that are expected to occur prior to end of a loan’s estimated life.
Our ACL is assessed at each balance sheet date and adjustments are recorded in the provision for credit losses on the consolidated statements of income. There are many factors affecting the ACL, some of which are quantitative, while others require qualitative judgment. There are both internal factors (i.e., loan balances, historical loss rates, credit quality, the contractual lives of loans), external factors (i.e., economic conditions such as trends in housing prices, interest rates, national gross domestic product ("GDP"), inflation, and unemployment), and assumptions of probability of default and loss given default by loan category, that can impact the ACL estimate. One of the most significant assumptions is the macroeconomic scenario forecasts that determine the economic variables utilized in the ACL model. Due to the inherent uncertainty in the macroeconomic forecasts, we evaluate a baseline scenario quarterly, as well as upside or downside macroeconomic scenarios to assess the most reasonable scenario based on review of the variable forecasts for each scenario, comparison to expectations, and sensitivity of variations in each scenario.
The most significant variable in the economic forecasts is the national unemployment rate and changes in unemployment forecasts can have significant impact to the estimated ACL. Other economic variables include GDP, the national commercial real estate pricing index and the national home price index. We use the national unemployment rate in all of our models regardless of the loan portfolio type, and we use a second economic variable in each cohort model depending on the loan portfolio type. The ACL quantitative estimate is sensitive to changes in the economic variable forecasts during the twelve-month reasonable and supportable forecast period with a straight-line reversion over the next three years to long-term average loss factors. There have been no changes to the reasonable and supportable period or reversion period since year end.
Although management believes its process for determining the ACL adequately considers all the factors that could potentially result in credit losses, the process includes subjective elements and is susceptible to significant change. To the extent actual outcomes differ from management estimates, additional provisions for credit losses could be required that could adversely affect our earnings or financial position in future periods.
PCD loans represent assets that are acquired with evidence of more than insignificant credit quality deterioration since origination at the acquisition date. At acquisition, the allowance on PCD assets is booked directly to the ACL. Any subsequent changes in the ACL on PCD assets is recorded through the provision for credit losses on the consolidated statements of income.
We believe that the ACL is adequate to absorb the expected life of loan credit losses on the portfolio of loans as of the balance sheet date. Actual losses incurred may differ materially from our estimates. For example, inflationary pressures and recessionary concerns leading to macroeconomic economic deterioration, higher unemployment and declines in real estate and other asset valuations could affect our loss experience and assumptions utilized in our model.

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We estimate expected credit losses on unfunded commitments to extend credit over the contractual period in which we are exposed to credit risk on the underlying commitments, unless the obligation is unconditionally cancellable. The allowance for off-balance sheet credit exposures, which is included in "Other liabilities" on the consolidated balance sheets, is adjusted for as an increase or decrease to the provision for credit losses on the consolidated statements of income. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. The methodology is based on a loss rate approach that starts with the probability of funding based on historical experience. Similar to the methodology discussed above related to the loans receivable portfolio, adjustments are made to the historical losses for current conditions and reasonable and supportable forecasts.
Additional information on the loan portfolio and ACL can be found in the “Nonperforming Assets” and “Allowance for Credit Losses and Loan Loss Experience” sections following.
Business Combinations and Goodwill
We believe that the accounting for business combinations, goodwill, and other intangible assets also involves a higher degree of judgment than most other significant accounting policies. Pursuant to applicable accounting guidance, we recognize assets acquired, including identified intangible assets, and the liabilities assumed in acquisitions at their fair values as of the acquisition date, with the related transaction costs expensed in the period incurred. Specified items such as acquired operating lease assets and liabilities as lessee, employee benefit plans, and income-tax related balances are recognized in accordance with accounting guidance that results in measurements that may differ from fair value. Determining the fair value of assets acquired and liabilities assumed often involves estimates based on internal or third-party valuations which include appraisals, discounted cash flow analysis, or other valuation techniques that may include estimates of attrition, inflation, asset growth rates, discount rates, credit risk, multiples of earnings, or other relevant factors. The determination of fair value may require us to make point-in-time estimates about discount rates, future expected cash flows, market conditions, and other future events that can be volatile in nature and challenging to assess. While we use the best estimates and assumptions to accurately value assets acquired and liabilities assumed at the acquisition date, the estimates are inherently uncertain and subject to refinement.
The primary identifiable intangible asset we typically record in connection with a whole bank or bank branch acquisition is the value of the core deposit intangibles which represents the estimated value of the long-term deposit relationships acquired in the transaction. Determining the amount of identifiable intangible assets and their average lives involves multiple assumptions and estimates and is typically determined by performing a discounted cash flow analysis, which involves a combination of any or all of the following assumptions: customer attrition/runoff, alternative funding costs, deposit servicing costs, and discount rates. The core deposit intangibles are amortized over the estimated useful lives of the deposit accounts based on a method that we believe reasonably approximates the anticipated benefit stream from this intangible. The estimated useful lives are periodically reviewed for reasonableness and have generally been estimated to have a life ranging from seven to ten years, with an accelerated rate of amortization. We review identifiable intangible assets for impairment whenever events or changes in circumstances indicate that the carrying value may not be recoverable. Our policy is that an impairment loss is recognized, equal to the difference between the asset’s carrying amount and its fair value, if the sum of the expected undiscounted future cash flows is less than the carrying amount of the asset. Estimating future cash flows involves the use of multiple estimates and assumptions, such as those listed above.
The ACL for PCD assets is recognized within business combination accounting with no initial impact to net income. Changes in estimates of expected credit losses on PCD loans after acquisition are recognized as provision expense (or reversal of provision expense) in subsequent periods as they arise. The ACL for non-PCD assets is recognized as provision expense in the same reporting period as the business combination. Estimated loan losses for acquired loans are determined using methodologies and applying estimates and assumptions that were described previously in the Allowance for Credit Losses on Loans and Allowance for Unfunded Commitments section above.
Non-PCD loans acquired are generally estimated at fair value using a discounted cash flow approach with assumptions of discount rate, remaining life, prepayments, probability of default, and loss given default. The actual cash flows on these loans could differ materially from the fair value estimates. The amount we record as the fair values for the loans is generally less than the contractual unpaid principal balance due from the borrowers, with the difference being referred to as the “discount” on the acquired loans. Discounts on acquired non-PCD loans are accreted to interest income over their estimated remaining lives, which may include prepayment estimates in certain circumstances.

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Similarly, premiums or discounts on acquired debt are accreted or amortized to interest expense over their remaining lives. Actual accretion or amortization of premiums and discounts from a business acquisition may differ materially from our estimates impacting our operating results.
We believe that the accounting for goodwill also involves a higher degree of judgment than most other significant accounting policies. Goodwill arising from business combinations represents the excess of the purchase price over the sum of the estimated fair values of the tangible and identifiable intangible assets acquired less the estimated fair value of the liabilities assumed. Goodwill has an indefinite useful life and is evaluated for impairment annually or more frequently if events and circumstances indicate that the asset might be impaired. An impairment loss is recognized to the extent that the carrying amount exceeds the asset’s fair value.
ASC 350-10 establishes standards for an impairment assessment of goodwill. At each reporting date between annual goodwill impairment tests, we consider potential indicators of impairment. Generally, absent potential impairment indicators, we perform an annual assessment of whether the events and circumstances resulted in it being more likely than not that the fair value of any reporting unit was less than its carrying value. Impairment indicators considered include the condition of the economy and banking industry; government intervention and regulatory updates; the impact of recent events to financial performance and cost factors of the reporting unit; performance of the Company's stock, and other relevant events. During 2024, there were no triggers warranting interim impairment assessments and, for the most recent annual assessment which occurred in the fourth quarter of 2023, we concluded that it was more likely than not that the fair value exceeded its carrying value.
Current Accounting Matters
See Note 1 to the Consolidated Financial Statements for information about recently announced or adopted accounting standards.


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RESULTS OF OPERATIONS
Net Interest Income
Net interest income is our largest source of revenue and is the difference between the interest earned on interest-earning assets (generally loans and investment securities) and the interest expense incurred in connection with interest-bearing liabilities (generally deposits and borrowed funds). Changes in the net interest income are the result of changes in volume and the net interest spread which affects NIM. Volume refers to the average dollar levels of interest-earning assets and interest-bearing liabilities. Net interest spread refers to the difference between the average yield on interest-earning assets and the average cost of interest-bearing liabilities. NIM refers to net interest income divided by average interest-earning assets and is influenced by the level and relative mix of interest-earning assets and interest-bearing liabilities. Net interest income is also influenced by external factors such as local economic conditions, competition for loans and deposits, and market interest rates.
Net interest income for the three months ended March 31, 2024 amounted to $79.2 million, a decrease of $13.3 million, or 14.3%, from the $92.5 million recorded in the first quarter of 2023. The decrease was primarily driven by higher cost of funds, partially offset by higher yields on earning assets. While average interest-earning assets for the first quarter of 2024 increased 0.5% from the comparable period of the prior year, the mix of assets shifted to higher earning assets, with average loans growing $375.0 million, or 4.85%, while taxable securities decreased $207.1 million, or 6.85%, and short term investments decreased $101.2 million, or 26.69%.The increase in the cost of interest bearing deposits of 114 basis points between the first quarter of 2023 and the first quarter of 2024 more than offset improvements from earning asset mix changes and higher yields. This resulted in the reduction in our NIM which, on a tax-equivalent basis (see discussion below), decreased from 3.31% for the first quarter of 2023 to 2.80% for the three months ended March 31, 2024.
For internal purposes, we evaluate our NIM on a tax-equivalent basis by adding the tax benefit realized from tax-exempt loans and securities to reported interest income then dividing by total average earning assets. We believe that analysis of NIM on a tax-equivalent basis is useful and appropriate because it allows a comparison of net interest income in different periods without taking into account the different mix of taxable versus non-taxable loans and investments that may have existed during those periods.The following is a reconciliation of reported net interest income to tax-equivalent net interest income and the resulting NIM as reported and on a tax-equivalent basis.
For the Three Months Ended March 31,
($ in thousands)20242023
Net interest income, as reported$79,232 92,486 
Tax-equivalent adjustment731 700 
Net interest income, tax-equivalent$79,963 93,186 
Net interest margin, as reported2.77 %3.28 %
Net interest margin, tax-equivalent2.80 %3.31 %


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The following table presents an analysis of net interest income for the three months ended March 31, 2024 and 2023:
Average Balances and Net Interest Income Analysis
 Three Months Ended March 31,
 20242023


($ in thousands)		Average
Volume		Average
Rate		Interest
Earned
or Paid		Average
Volume		Average
Rate		Interest
Earned
or Paid
Assets      
Loans (1) (2)$8,103,387 5.45 %$109,756 $7,728,425 5.22 %$99,380 
Taxable securities2,815,266 1.82 %12,728 3,022,398 1.80 %13,416 
Non-taxable securities293,198 1.53 %1,117 298,842 1.53 %1,130 
Short-term investments, primarily interest-bearing cash277,945 4.30 %2,971 379,124 3.47 %3,248 
Total interest-earning assets11,489,796 4.43 %126,572 11,428,789 4.16 %117,174 
Cash and due from banks90,833 95,041 
Premises and equipment151,159 151,211 
Other assets379,413 367,257 
Total assets$12,111,201 $12,042,298 
Liabilities
Interest-bearing checking$1,403,484 0.68 %$2,359 $1,526,650 0.23 %$866 
Money market deposits3,704,731 3.02 %27,813 2,974,478 1.47 %10,814 
Savings deposits592,395 0.21 %308 728,918 0.07 %129 
Other time deposits709,517 3.09 %5,456 884,668 2.55 %5,553 
Time deposits >$250,000355,809 3.62 %3,199 313,377 2.01 %1,556 
Total interest-bearing deposits6,765,936 2.33 %39,135 6,428,091 1.19 %18,918 
Borrowings577,998 5.71 %8,205 438,556 5.34 %5,770 
Total interest-bearing liabilities7,343,934 2.59 %47,340 6,866,647 1.46 %24,688 
Noninterest-bearing checking3,312,899 3,788,817 
Other liabilities78,877 113,399 
Shareholders’ equity1,375,491 1,273,435 
Total liabilities and
shareholders’ equity		$12,111,201 $12,042,298 
Net yield on interest-earning assets and net interest income2.77 %$79,232 3.28 %$92,486 
Net yield on interest-earning assets and net interest income – tax-equivalent (3)2.80 %$79,963 3.31 %$93,186 
Interest rate spread1.84 %2.70 %
Average prime rate8.50 %7.69 %
(1)   Average loans include nonaccruing loans, the effect of which is to lower the average rate shown. Interest earned includes recognized net loan fees, including late fees, prepayment fees, and net deferred loan fee amortization in the amounts of $(103,000), and $357,000 for three months ended March 31, 2024 and 2023, respectively.
(2)   Includes accretion of discount on acquired and SBA loans of $2.9 million and $3.6 million for three months ended March 31, 2024 and 2023, respectively.
(3)   Includes tax-equivalent adjustments of $731,000 and $700,000 for three months ended March 31, 2024 and 2023, respectively, to reflect the tax benefit that we receive related to tax-exempt securities and tax-exempt loans, which carry interest rates lower than similar taxable investments/loans due to their tax-exempt status. This amount has been computed assuming a 23% tax rate and is reduced by the related nondeductible portion of interest expense.



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Overall, as demonstrated in the table above, despite the change in the mix of earning assets to higher yielding assets, the compression in NIM drove the decrease in net interest income.
•Market interest rates increased 50 basis points between March 2023 and March 2024 to result in an average prime rate of 8.50% for three months ended March 31, 2024 compared to 7.69% for the prior year period.
•Average loan volumes for the three months ended March 31, 2024 were $375.0 million higher than the same period in 2023. In addition, interest rates on loans increased 23 basis points to 5.45% for the first quarter of 2024, resulting in an increase in interest income on loans of $10.4 million.
•Due to higher market rates and increased average balances, deposit interest expense for the three months ended March 31, 2024 increased $20.2 million compared to the same period in 2023. Average interest-bearing deposit balances increased $337.8 million while rates on those deposits increased 114 basis points as compared to the same period in the prior year.
•The combination of higher rates on borrowings, up 37 basis points in the first quarter of 2024 from the first quarter of 2023 due to increasing market rates, and the increase in volume of borrowings between periods drove the $2.4 million increase in interest expense on borrowings. Average borrowings were $139.4 million higher in the first quarter of 2024 as compared to the first quarter of 2023 due in large part to the higher levels of short-term borrowings utilized to fund loan growth and manage fluctuations in deposit balances.
•The decrease in NIM was directly related to higher rates on liabilities driven by current market rates with repricing on our deposits occurring at a more rapid pace that the increase in yields on assets.

Our NIM for all periods presented benefited from the net accretion income, primarily associated with purchase accounting premiums/discounts associated with acquisitions. Presented in the table below is the amount of accretion which increased net interest income in each time period presented.
For the Three Months Ended March 31,
($ in thousands)20242023
Interest income – increased by accretion of loan discount on acquired loans$2,437 3,118 
Interest income - increased by accretion of loan discount on retained SBA loans444 448 
Total interest income impact2,881 3,566 
Interest expense – increased by discount accretion of deposits(283)(1,019)
Interest expense – increased by discount accretion of borrowings(189)(82)
Total net interest expense impact(472)(1,101)
Total impact on net interest income$2,409 2,465 
The most significant component of the purchase accounting adjustments in each year was loan discount accretion on purchased loans. Generally, the level of loan discount accretion will decline each year due to the natural paydowns in acquired loan portfolios.
At March 31, 2024 and 2023, unaccreted loan discounts on purchased loans amounted to $21.6 million and $32.4 million, respectively. The GrandSouth acquired portfolio comprised the majority of the remaining unaccreted loan discount at March 31, 2024.
In addition to the loan discount accretion recorded on acquired loans, we recorded accretion on the discounts associated with the retained unguaranteed portions of SBA loans sold in the secondary market. The level of SBA loan discount accretion will fluctuate relative to the SBA loan portfolio balances. At March 31, 2024 and 2023, the unaccreted loan discounts on SBA loans amounted to $3.4 million and $4.0 million, respectively.
Provision for Credit Losses and Provision for Unfunded Commitments
The provision for credit losses is comprised of the provision for loan losses and the provision for unfunded commitments. The provision recorded in each period represents the amount required such that the total ACL reflects the current estimate of life of loan credit losses in the loan portfolio and the allowance for unfunded

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commitments reflects the current expected losses on unfunded loan commitments that are expected to result in outstanding loan balances. Our estimate of credit losses is determined using a complex model that relies on reasonable and supportable forecasts and historical loss information to determine the balance of the ACL and allowance for unfunded commitments. Refer to the additional discussion previously under the "Critical Accounting Estimates" section.
The provision for credit losses was $1.2 million for the three months ended March 31, 2024 and $12.5 million in the comparable period in 2023. The primary contributor to the higher provision for 2023 was the initial provision required for the loan portfolio acquired from GrandSouth.
The provision for credit losses recorded and related increase in the ACL for the first quarter of 2024 related in part to updated prepayment speed estimates which are a key assumption in the CECL model. The higher interest rate environment has resulted in slower prepayment speed estimates, thus increasing the projected ACL required. In addition, updated economic forecasts and loss driver inputs to the CECL mode have projected continued uncertainty in the economy demonstrated in higher projected unemployment rates, lower GDP, and increasing price indices for both commercial real estate and residential mortgages. These economic projections translated to higher forecasted losses in our loan portfolio and, thus a higher estimated ACL. The calculated increases in the allowances were partially offset by the lower balances in the loan portfolio and the levels of unfunded commitments.
Additional discussion of the CECL method and our asset quality and credit metrics, which impact our provision for credit losses, is provided in the "Nonperforming Assets" and "Allowance for Credit Losses, Allowance for Unfunded Commitments, and Loan Loss Experience" sections following.
Noninterest Income
Our noninterest income amounted to $12.9 million and $13.5 million for the three months ended March 31, 2024 and 2023, respectively. The lower noninterest income in the current quarter was primarily a result of the $1.0 million loss on the call of a bond which had an unamortized premium balance. Details of the more significant components of noninterest income is presented in the table below.
 
For the Three Months Ended March 31,
($ in thousands)20242023
Service charges on deposit accounts
$3,868 3,894 
Other service charges and fees - bankcard interchange income, net2,314 2,582 
Other service charges and fees - other3,298 3,338 
Presold mortgage loan fees and gains on sale338 406 
Commissions from sales of financial products1,320 1,306 
SBA consulting fees
257 521 
SBA loan sale gains
895 255 
Bank-owned life insurance ("BOLI") income1,164 1,046 
Securities losses, net(975)— 
Other gains, net459 188 
Total noninterest income$12,938 13,536 
Noninterest Expenses
Total noninterest expenses totaled $59.2 million and $74.2 million for the three months ended March 31, 2024 and 2023, respectively. The primary contributor to the 20.2% decrease in noninterest expense for the first quarter of 2024 as compared to the same period of 2023 was the merger and acquisition costs of $12.2 million related to the GrandSouth acquisition. Also contributing to lower noninterest expense in the three months ended March 31, 2024 were decreases in personnel expense of $1.8 million related in large part to overlapping personnel costs incurred until the conversion of GrandSouth's core system in mid-March 2023. Other operating expenses declined $1.6 million primarily related to a $2.4 million charge for the estimated termination costs associated with the Company's pension plan.

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The following table presents the primary components of noninterest expense
For the Three Months Ended March 31,
($ in thousands)20242023
Salaries$27,642 29,321 
Employee benefits6,269 6,393 
Total personnel expense33,911 35,714 
Occupancy expense3,663 3,688 
Equipment related expenses1,925 1,379 
Credit card rewards and other bankcard expenses1,421 1,119 
Telephone and data lines1,091 995 
Software licenses and other software costs2,102 2,170 
Data processing expense2,164 2,412 
Professional fees1,685 1,450 
Advertising and marketing890 1,120 
Non-credit losses576 865 
FDIC and corporate insurance costs2,529 1,877 
Other operating expenses5,473 7,094 
Merger and acquisition expenses— 12,182 
Amortization of intangible assets1,759 2,145 
Foreclosed property gains, net(2)(35)
Total noninterest expense$59,187 74,175
Income Taxes
We recorded income tax expense of $6.5 million and $4.2 million for the three months ended March 31, 2024 and 2023, respectively. Our effective tax rate was 20.5% and 21.6% for the three months ended March 31, 2024 and 2023, respectively. The higher effective tax rate for 2023 was attributable primarily to merger and acquisition expenses recorded in that period related to the GrandSouth acquisition resulting in non-deductible adjustments for income tax purposes.

FINANCIAL CONDITION
Total assets at March 31, 2024 amounted to $12.1 billion, a $23.3 million, or 0.2%, decrease from December 31, 2023 and was primarily related to intentional reductions in investment securities and loan balances, partially offset by higher interest-bearing cash balances.
Total loans at March 31, 2024 amounted to $8.1 billion, a $73.6 million, or 0.9%, decrease from December 31, 2023. The mix of our loan portfolio remained substantially the same at March 31, 2024 as compared to December 31, 2023. The majority of our real estate loans were personal mortgages and commercial loans where real estate provides additional security for the loan. Note 4 to the consolidated financial statements presents additional detailed information regarding our mix of loans. At March 31, 2024, we had no notable concentrations in geographies or industries, including in office or hospitality categories. The Company's exposure to non-owner occupied commercial office loans represented approximately 5.7% of the total portfolio at March 31, 2024, with the largest loan being $27.0 million and the average loan outstanding balance of $1.3 million. Non-owner occupied office loans are generally in non-metro markets and the 10 largest loans in this category represented less than 2% of the total loan portfolio at March 31, 2024.
The composition of our investment portfolio remained substantially the same at March 31, 2024 as at December 31, 2023, and continued to reflect our investment strategy of maintaining an appropriate level of liquidity while providing a stable source of income. The investment portfolio also provides a balance to interest rate risk and credit risk in other categories of the balance sheet while providing a vehicle for the investment of available funds, furnishing liquidity, and supplying securities to pledge as required collateral for certain deposits. Total investment securities decreased $108.9 million from December 31, 2023 to total $2.6 billion at March 31, 2024 as there have been no purchases to date in 2024 and cash flows from maturities, calls and amortizing securities continue to be utilized to fund loan growth and deposit fluctuations, or were invested in other short-term interest bearing assets. There were

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no sales of investment securities during the the three months ended March 31, 2024, while the call of a security during the period resulted in a loss of $1.0 million related to the unamortized premium balance.
The unrealized loss on available for sale securities totaled $418.9 million at March 31, 2024. Refer to Note 3 to the consolidated financial statements for additional detailed information regarding our mix of investments and the unrealized losses for each category. We invest primarily in securities issued by GSEs including FHLMC, FNMA, GNMA, and SBA, each of which guarantees the repayment of the securities. Nearly all of our mortgage-backed securities are issued by GSEs and are traded in liquid secondary markets. The state and local government investments are comprised almost entirely of highly-rated municipal bonds issued by state and local governments throughout the nation. We have no significant concentration of bond holdings from one state or local government entity. We evaluated the unrealized losses on individual securities at March 31, 2024 and determined them to be of a temporary nature due primarily to interest rate factors and not credit quality concerns. In arriving at this conclusion, we reviewed third-party credit ratings and considered the severity of the impairment.
Total deposits amounted to $10.3 billion at March 31, 2024, an increase of $271.7 million, or 2.7%, from December 31, 2023. Brokered deposits increased $183.5 million from year end, while organic growth from market deposits totaled $88.3 million.
We continue to have a diversified and granular deposit base which has remained stable with continued growth in core deposits, primarily money market accounts. Our deposit mix has remained consistent historically and has not changed significantly and there has been no notable shift in deposits from noninterest-bearing to interest-bearing.
March 31, 2024December 31, 2023
($ in thousands)AmountPercentageAmountPercentage
Noninterest-bearing checking accounts$3,362,265 33 %3,379,876 34 %
Interest-bearing checking accounts1,401,724 13 %1,411,142 14 %
Money market accounts3,787,323 37 %3,653,506 36 %
Savings accounts584,901 6 %608,380 6 %
Other time deposits607,359 6 %610,887 6 %
Time deposits >$250,000363,687 3 %355,209 4 %
Total market deposits10,107,259 98 %10,019,000 100 %
Brokered deposits196,052 2 %12,599 — %
Total deposits$10,303,311 100 %10,031,599 100 %
As of March 31, 2024, the estimated insured deposits totaled $6.4 billion or 61.8% of total deposits. In addition, we had collateralized deposits at that date of $757.0 million such that approximately 69.2% of our total deposits were insured or collateralized at March 31, 2024.

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Nonperforming Assets
NPAs are defined as nonaccrual loans, modifications to borrowers in financial distress, loans past due 90 or more days and still accruing interest, and foreclosed real estate. NPAs are summarized as follows:
($ in thousands)
March 31, 2024December 31, 2023
Nonperforming assets
Nonaccrual loans$35,622 32,208 
Modifications to borrowers in financial distress10,999 11,719 
Total nonperforming loans46,621 43,927 
Foreclosed real estate926 862 
Total nonperforming assets$47,547 44,789 
Asset Quality Ratios
Nonaccrual loans to total loans0.44 %0.40 %
Nonperforming loans to total loans0.58 %0.54 %
Nonperforming assets to total loans and foreclosed properties0.59 %0.55 %
Nonperforming assets to total assets0.39 %0.37 %
Allowance for credit losses to total loans1.36 %1.35 %
Allowance for credit losses to nonaccrual loans308.99 %341.07 %
Allowance for credit losses to nonperforming loans236.09 %250.08 %
As shown in the table above, total NPAs at March 31, 2024 increased slightly to $47.5 million from year end level and related primarily to the $3.4 million increase in nonaccrual loans driven by a SBA loan relationship that was placed on nonaccrual and which is substantially covered by a guarantee from the SBA.
"Commercial and industrial" is the largest category of nonaccrual loans, at $12.7 million, or 35.7% of total nonaccrual loans, followed by "Commercial real estate - owner occupied" at $9.0 million, or 25.2% of total nonaccrual loans. Included in those categories are nonaccrual SBA loans totaling $22.7 million at March 31, 2024, or 63.8%, of total nonaccrual loans which have $12.5 million in guarantees from the SBA.
As reflected in Note 4 to the accompanying consolidated financial statements, total classified loans decreased 0.1% to $54.1 million at March 31, 2024 compared to $54.2 million at December 31, 2023. The majority of the decrease was attributable to "Home equity loans/lines of credit", "Construction, development & other land loans", and "Residential 1-4 family real estate" loan categories, partially offset by an increase in commercial and industrial loans. Special mention loans increased 27.7% from $44.1 million at December 31, 2023 to $56.3 million at March 31, 2024. The majority of the increase was attributable to commercial real estate - owner occupied and construction, development & other land loans.
Allowance for Credit Losses, Allowance for Unfunded Commitments, and Loan Loss Experience
The total allowance for credit losses amounted to $110.1 million at March 31, 2024 compared to $109.9 million at December 31, 2023. Fluctuations in the ACL are based on loan mix and growth, changes in the levels of
nonperforming loans, economic forecasts impacting loss drivers, other assumptions and inputs to the CECL model,
and as occurred in 2023, adjustments for acquired loan portfolios. As discussed previously in the "Provision for Credit Losses and Provision for Unfunded Commitments" section, much of the change to the level of ACL during the period ended March 31, 2024 is attributed primarily to slower prepayment assumptions, updated economic forecasts which are a key assumption in the CECL model and which indicated a continued deterioration of the commercial real estate index, thus projecting a higher allowance for credit losses balance, partially offset by reductions in loan balances during the period.
The ACL reflects our estimate of life of loan expected credit losses that will result from the inability of our borrowers to make required loan payments. We use systematic methodologies to determine the ACL for loans and the allowance for certain off-balance-sheet credit exposures. We consider the effects of past events, current conditions, and reasonable and supportable forecasts on the collectability of the loan portfolio. The ACL is calculated using collectively evaluated pools for loans with similar risk characteristics applying the discounted cash flow ("DCF") method. When a loan no longer shares similar risk characteristics with its segment, the loan is evaluated on an individual basis applying a DCF or asset approach for collateral-dependent loans.

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For the periods indicated, the following table summarizes our balances of loans outstanding, average loans outstanding, ACL, charge-offs and recoveries, and key ratios:
($ in thousands)Three Months Ended March 31, 2024Twelve Months Ended December 31, 2023Three Months Ended March 31, 2023
Loans outstanding at end of period$8,076,506 8,150,102 7,798,963 
Average amount of loans outstanding8,103,387 7,902,628 7,728,425 
Allowance for credit losses, at period end110,067 109,853 106,396 
Total charge-offs(2,115)(10,175)(2,621)
Total recoveries529 3,701 989 
Net charge-offs$(1,586)(6,474)(1,632)
Ratios:
Net charge-offs as a percent of average loans (annualized)0.08 %0.08 %0.09 %
Allowance for credit losses as a percent of loans at end of period1.36 %1.35 %1.36 %
Recoveries of loans previously charged-off as a percent of loans charged-off25.01 %36.37 %37.73 %
While our estimate of the ACL involves a high degree of judgment, we believe the ACL is adequate at each period end presented. Our assessment of the ACL involves uncertainty and judgment and is subject to change in future periods. The amount of any changes could be significant if the assessment of loan quality or collateral values changes substantially with respect to one or more loan relationships or portfolios or if there is a significant change in the reasonable and supportable forecast or assumptions used to model our expected credit losses. No assurance can be given that we will not in any particular period sustain loan losses that are sizable in relation to the amounts reserved or that subsequent evaluations of the loan portfolio, in light of conditions and factors then prevailing, will not require significant changes in the ACL or future charges to earnings. In addition, various regulatory agencies, as an integral part of their examination process, periodically review our ACL and the value of our collateral-dependent loans. Such agencies may require us to recognize adjustments to the ACL based on their judgments about information available at the time of their examinations. Refer also to “Critical Accounting Policies – Allowance for Credit Losses on Loans and Allowance for Unfunded Commitments” in Note 1 to the 2023 Annual Report on Form 10-K filed with the SEC for more information.
In addition to the ACL on loans, we maintain an allowance for lending-related commitments such as unfunded loan commitments. We estimate expected credit losses associated with these commitments over the contractual period in which we are exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable. The allowance for lending-related commitments on off-balance sheet credit exposures is adjusted as a component of the provision for credit losses expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. The allowance for unfunded commitments of $10.8 million and $14.4 million at March 31, 2024 and December 31, 2023, respectively, are classified on the consolidated balance sheets within "Other liabilities." The decline in the level of the allowance between periods was driven by the reduction in available lines of credit during three months ended March 31, 2024.
Liquidity, Commitments, and Contingencies
Our liquidity is determined by our ability to convert assets to cash or acquire alternative sources of funds to meet the needs of our customers who are withdrawing or borrowing funds, and to maintain required reserve levels, pay expenses and operate the Company on an ongoing basis. Our primary liquidity sources are net income from operations, cash and due from banks, federal funds sold and other short-term investments. Our securities portfolio has a high percentage of amortizing mortgage-backed securities generating monthly cash flows. In addition, the portfolio is comprised almost entirely of readily marketable securities, which could also be sold to provide cash. We also maintain available lines of credit from the FHLB and the Federal Reserve, as well as federal funds lines from several correspondent banks which are summarized below.

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At March 31, 2024, the Company had three sources of readily available borrowing capacity:
•A line of credit with the FHLB of approximately $1.4 billion which can be structured as either short-term or long-term borrowings, depending on the particular funding or liquidity need, and is secured by a blanket lien on most of our real estate loan portfolio, select securities from our investment portfolio, and our FHLB stock (of which $0.8 million and $280.9 million were outstanding at March 31, 2024 and December 31, 2023, respectively);
•Federal funds lines with several correspondent banks totaling $265.0 million, which provide for overnight unsecured federal funds purchased (of which none were outstanding at March 31, 2024 or December 31, 2023).
•A $292.6 million line of credit through the Federal Reserve's Bank Term Funding Program ("BTFP") secured by select investment securities (of which $231.0 million and $249.0 million was outstanding at March 31, 2024 and December 31, 2023, respectively). Effective March 11, 2024, the Federal Reserve terminated the BTFP and no additional advances were available; and,
•A line of credit with the Federal Reserve through its discount window borrowing program of approximately $548.1 million which is secured by a blanket lien on a portion of our commercial and consumer loan portfolio (excluding real estate loans) and specific investment securities. All of this line was available at March 31, 2024 and December 31, 2023.
Our overall on-balance sheet liquidity ratio was 15.5% at March 31, 2024. compared to 14.6% at December 31, 2023. We define our liquidity ratio as net liquid assets (cash, unpledged securities and other marketable assets) as a percentage of our net liabilities (unpledged deposits and borrowings). Our total liquidity ratio, including the $2.3 billion in available lines of credit at quarter end, was 31.4% as of March 31, 2024.
The amount and timing of our contractual obligations and commercial commitments have not changed materially since December 31, 2023, the detail of which is presented in the "Contractual Obligations and Other Commercial Commitments" table of our 2023 Annual Report on Form 10-K. In addition, we are not involved in any legal proceedings that, in our opinion, could have a material effect on our consolidated financial position.
Off-Balance Sheet Arrangements and Derivative Financial Instruments
Off-balance sheet arrangements include transactions, agreements, or other contractual arrangements pursuant to which we have obligations or provide guarantees on behalf of an unconsolidated entity. We have no off-balance sheet arrangements of this kind other than letters of credit and repayment guarantees associated with our trust preferred securities and subordinated debentures.
In the normal course of business, we are exposed to certain risk arising from both its business operations and economic conditions. As an element of our risk management strategies, we may enter into derivative financial instruments 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. Derivative financial instruments include futures, forwards, interest rate swaps, options contracts, and other financial instruments with similar characteristics.
We do not engage in significant derivatives activities, however, in 2023 to accommodate customers, we implemented a program whereby we enter into interest rate swaps with certain commercial loan customers, with offsetting positions to dealers under a back-to-back swap program. At March 31, 2024, the Company's derivative financial instruments consisted entirely of customer back-to-back interest rate swaps which are not designated as hedges. Under this program, the Company executes interest rate swaps with commercial banking customers to facilitate their risk management strategies. Those interest rate swaps are simultaneously economically 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. As the interest rate derivatives associated with this program are not designated as hedging instruments, changes in the fair value of both the customer derivatives and the offsetting derivatives are recognized directly in earnings. There have been no material changes from the derivative positions discussed in Note 13 of the Company's Annual Report on Form 10-K for the year ended December 31, 2023.

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Capital Resources
The Company is regulated by the Federal Reserve and is subject to the securities registration and public reporting regulations of the SEC. Our Bank is also regulated by the Federal Reserve and the North Carolina Office of the Commissioner of Banks ("NCCOB"). We must comply with regulatory capital requirements established by the Federal Reserve and the NCCOB. 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 our financial statements. We are not aware of any recommendations of regulatory authorities or otherwise which, if they were to be implemented, would have a material effect on our liquidity, capital resources, or operations.
Under Basel III standards and capital adequacy guidelines and the regulatory framework for prompt corrective action, we must meet specific capital guidelines that involve quantitative measures of our assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. Our capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.
The Federal Reserve's capital standards require us to maintain minimum ratios of “common equity tier 1” capital to total risk-weighted assets, “tier 1” capital to total risk-weighted assets, and total capital to risk-weighted assets of 4.50%, 6.00% and 8.00%, respectively. Common equity tier 1 capital is comprised of common stock and related surplus, plus retained earnings, and is reduced by goodwill and other intangible assets, net of associated deferred tax liabilities. Tier 1 capital is comprised of common equity tier 1 capital plus "additional tier 1 capital", which includes non-cumulative perpetual preferred stock and trust preferred securities. Total risk-based capital is comprised of tier 1 capital plus qualifying subordinated debentures, and certain adjustments, the largest of which is our ACL and allowance for unfunded commitments. The Company has elected to exclude AOCI related primarily to available for sale securities from common equity tier 1 capital. Risk-weighted assets refer to our on- and off-balance sheet exposures, adjusted for their related risk levels using formulas set forth in Federal Reserve regulations.
In addition to the risk-based capital requirements described above, we are subject to a leverage capital requirement, which calls for a minimum ratio of Tier 1 capital (as defined above) to quarterly average total assets of 3.00% to 5.00%, depending upon the institution’s composite ratings as determined by its regulators. The Federal Reserve has not advised us of any requirement specifically applicable to us.
At March 31, 2024, our capital ratios exceeded the regulatory minimum ratios discussed above. The capital ratios at March 31, 2024 increased as compared to year end related primarily to retention of earnings increasing capital, combined with loan reductions and shifts in asset mix to lower risk-weighted assets. The following table presents the capital ratios for the Company and the regulatory minimums discussed above for the periods indicated:
March 31, 2024December 31, 2023
Risk-based capital ratios:  
Common equity Tier 1 to Tier 1 risk weighted assets13.50 %13.20 %
Minimum required Common Equity Tier 1 capital7.00 %7.00 %
Tier I capital to Tier 1 risk weighted assets14.29 %13.99 %
Minimum required Tier 1 capital8.50 %8.50 %
Total risk-based capital to Tier II risk weighted assets15.85 %15.54 %
Minimum required total risk-based capital10.50 %10.50 %
Leverage capital ratio:
Tier 1 capital to quarterly average total assets10.99 %10.91 %
Minimum required Tier 1 leverage capital4.00 %4.00 %
The Bank is also subject to capital requirements that do not vary materially from the Company’s capital ratios presented above. At March 31, 2024, the Bank exceeded the minimum ratios established by the regulatory authorities.
In addition to regulatory capital ratios, we also closely monitor our ratio of tangible common equity ("TCE") to tangible assets, which is a non-GAAP financial measure. The TCE ratio was 7.48% at March 31, 2024 compared to 7.42% at December 31, 2023.

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The following table reconciles common equity to TCE and provides the calculation of the TCE ratio:
($ in thousands)March 31, 2024December 31, 2023
Reconciliation of Common Equity to TCE
Total shareholders' common equity$1,376,099 1,372,380 
Less: Goodwill and other intangibles(509,636)(511,608)
Tangible common equity$866,463 860,772 
Reconciliation of Total Assets to Tangible Assets
Total assets$12,091,597 12,114,942 
Less: Goodwill and other intangibles(509,636)(511,608)
Tangible assets$11,581,961 11,603,334 
TCE divided by Tangible Assets7.48 %7.42 %
Stock Repurchase Plans
During the quarter ended March 31, 2024, the Company did not maintain, adopt, modify or terminate a stock repurchase plan operated under the provisions of Rules 10b-18 or Rule 10b5-1(c) of the SEC or otherwise.
Item 3 – Quantitative and Qualitative Disclosures About Market Risk
Market Risk
Market risk is the risk of loss arising from adverse changes in the fair value of financial instruments due to changes in interest rates, exchange rates, and equity prices. The Company’s market risk is composed primarily of interest rate risk inherent in the normal course of lending and deposit-taking activities. We are also exposed to market risk in our investing activities. We do not have any trading assets or activities.
Interest Rate Risk
Net interest income is our most significant component of earnings and we consider interest rate risk to be our most significant market risk. Our net interest income results from the difference between the yields we earn on our interest-earning assets, primarily loans and investments, and the rates that we pay on our interest-bearing liabilities, primarily deposits and borrowings. When interest rates change, the yields we earn on our interest-earning assets and the rates we pay on our interest-bearing liabilities do not necessarily move in tandem with each other because of the difference between their maturities and repricing characteristics and which can negatively impact net interest income.
Interest rates are highly sensitive to many factors that are beyond our control, including general economic conditions and policies of various governmental and regulatory agencies and, in particular, the Federal Reserve. Changes in monetary policy, including changes in interest rates, influence not only the interest we receive on loans and investments and the amount of interest we pay on deposits and borrowings, but such changes could also affect the average duration of our mortgage portfolio, investment securities and other interest-earning assets.
Our goal is to structure our asset/liability composition to maximize net interest income while managing interest rate risk so as to minimize the adverse impact of changes in interest rates on net interest income and capital in either a rising or declining interest rate environment. Profitability is affected by fluctuations in interest rates. A sudden and substantial change in interest rates will generally impact our earnings adversely because the interest rates of the underlying assets and liabilities do not change at the same speed, to the same extent or on the same basis.
Interest rate risk is monitored through the use of several complementary modeling tools, primarily earnings simulation modeling, and economic value simulation (net present value estimation). These models measure changes in a variety of interest rate scenarios. While interest rate risk models have limitations, taken together they represent a reasonably comprehensive view of the magnitude of our interest rate risk, the level of risk through time, and the amount of exposure to changes in certain interest rate relationships. Earnings simulation and economic value models are utilized by management on a regular basis as they more effectively measure the cash flow and optionality impacts than does a static gap analysis. From the various model results and our expectations regarding future interest rate movements, the national, regional and local economies, and other financial and business risk factors, we quantify the overall magnitude of interest sensitivity risk and then determine appropriate strategies and practices governing asset growth and pricing, funding sources and pricing, and off-balance sheet commitments.

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Earnings Simulation Analysis
We use net interest income simulations which measure the short-term earnings exposure from changes in market rates of interest. The model calculates an earnings estimate based on current and projected balances and rates, incorporating our current financial position with assumptions regarding future business to calculate net interest income under varying hypothetical rate scenarios. This method is subject to the accuracy of the assumptions that underlie the process, but it provides a better analysis of the sensitivity of earnings to changes in interest rates than other analyses, such as the static gap analysis.
Assumptions used in the model are derived from historical trends and management’s outlook. The model assumes a static balance sheet with cash flows reinvested in similar instruments to maintain the balance sheet levels and current composition. Actual cash flows and repricing characteristics for our balance sheet instruments are input to the model. The model incorporates market-based assumptions regarding the impact of changing interest rates on the prepayment rate of certain assets and liabilities. Because these assumptions are inherently uncertain, actual results may differ from simulated results.
Different interest rate scenarios and yield curves are used to measure the sensitivity of earnings to changing interest rates in both a "shocked" instantaneous move and a "ramped" move of rates. Interest rates on different asset and liability accounts move differently when the prime rate changes and such assumptions are reflected in the different rate scenarios. The model does not take into account any future actions that management may take to mitigate the impact of interest rate changes, and it is our strategy to proactively change the volume and mix of our balance sheet in order to mitigate our interest rate risk.
There has been no significant change in the Company's estimated net interest income sensitivity position from December 31, 2023. From a net interest income perspective, the Company has been fairly neutral historically with no significant change in the short-term (within a twelve-month period) and within the lower ranges (+ - 100-200 basis points) of interest rate changes. Starting in 2022 and continuing through 2023, the Company's sensitivity position shifted somewhat such that, in the short-term it is projected that net interest income will likely fall in both a rising and falling rate environment. This position is due in part to the changing market characteristics of certain loan and deposit products as well as to the current shape of the yield curve. The Company's current position is now more liability-sensitive which generally implies that net interest income would be expected to rise in a falling rate environment and fall in a rising rate environment. However, the rapid rate increases in 2022 and into 2023 resulted in a steepening of the yield curve on the short end (within one year), while the longer end of the curve has inverted between one and ten years, meaning that the yield on short-term instruments (less than one year) are higher than longer-term instruments (ten years). A flat or inverted interest rate curve is an unfavorable interest rate environment for many financial institutions, including the Bank, as short-term interest rates generally drive our deposit pricing and longer-term interest rates generally drive loan pricing. When these rates converge or invert, the profit spread we realize between loan yields and deposit rates narrows, which pressures our NIM.
With regard to rising rates, with an immediate increase or shock in market rates over the short-term (twelve month horizon), we would expect to realize a decline in net interest income. This is due in part to the composition of our loan portfolio which is comprised of approximately 20% variable rate loans which could immediately reprice, thus limiting the magnitude of the impact of rate increases given that the majority of our portfolio is at fixed rates. In addition, the model includes an assumption of a quick repricing up of the funding base in a rising rate environment, and our recent shift to higher-cost wholesale funding and short-term borrowings in our funding mix has lead to a narrowing of the interest rate spread in the projection. As previously noted, these assumptions are inherently uncertain, and actual results may differ from simulated results. The current indication is that the market rates may begin to stabilize. However, the consensus is that the Federal Reserve will not start to reduce rates until late 2024 or into 2025. We would expect net interest income to decline somewhat in a decreasing interest rate environment, as interest-earning assets reprice to lower rates and interest-bearing deposits repricing may lag given continued market competition for deposits.
Economic Value Simulation
Economic value simulation is used to calculate the estimated fair value of assets and liabilities over different interest rate environments. Economic values are calculated based on discounted cash flow analysis. The net economic value of equity is the economic value of all assets minus the economic value of all liabilities assuming a liquidation of the current balance sheet. The change in net economic value over different rate environments is an indication of the longer-term earnings capability of the balance sheet. The same assumptions are generally used in the

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economic value simulation as in the earnings simulation, including immediate and parallel rate shocks and static assumptions for deposit average decay rate and average lives.
As of December 31, 2023, the Company’s economic value of equity ("EVE") was generally liability sensitive in both a rising and falling interest rate environment, which continues to be the case. The decline in EVE under a rising rate environment is driven by the composition of the loans and investment portfolios, primarily related to CRE fixed rate loans and fixed rate mortgage-back securities. In a rising rate environment, these portfolios tend to extend due to slower prepayments, thus lowering their relative valuation in the EVE calculation. With regard to the falling rate scenario, the non-maturity deposits, generally with lower betas, continue to be at or near floor rates assumed in the model, thus within the -200 shocked interest rate scenario, essentially all of the non-maturity deposits are at or near their floor thus negatively impacting their value in the EVE calculation while variable rate assets continue to price downward in all falling rate scenarios.
Additional discussion concerning our exposure to interest rate risk is presented in Item 7A of the 2023 Annual Report on Form 10-K filed with the SEC.
Inflation
Our financial statements have been prepared in accordance with GAAP, which requires the financial position and operating results to be measured principally in terms of historic dollars without considering the change in the relative purchasing power of money over time due to inflation.
Nearly all of the Company’s assets and liabilities are monetary in nature, and as such, changes in interest rates (as discussed above) generally affect the financial condition of the Company to a greater degree than changes in the rate of inflation. Although interest rates are influenced by changes in the inflation rate, they do not necessarily change at the same rate or in the same magnitude as the inflation rate. Inflation affects the Company’s results of operations mainly through increased operating costs, and the impact of inflation on banks in general is normally not as significant as its influence on those businesses that have large investments in plant and inventories. We review pricing of our products and services, as well as our controllable operating and labor costs in light of current and expected costs due to inflation, to mitigate the inflationary impact on financial performance to the extent possible.

Item 4 – Controls and Procedures
As of March 31, 2024, our chief executive officer and chief financial officer have carried out an evaluation of the effectiveness of the design and operation of our disclosure controls and procedures (as defined in Exchange Act Rule 13a–15(e) of the Securities Exchange Act of 1934 ("the Exchange Act"), which are our controls and other procedures that are designed to ensure that information required to be disclosed in our periodic reports with the SEC is recorded, processed, summarized and reported within the required time periods. Disclosure controls and procedures include, without limitation, controls and procedures designed to ensure that information required to be disclosed is communicated to our management to allow timely decisions regarding required disclosure.
Based on the evaluation, our chief executive officer and chief financial officer concluded that, as of the evaluation date, our disclosure controls and procedures were not effective in allowing timely decisions regarding disclosure to be made about material information required to be included in our periodic reports with the SEC. The conclusion that our disclosure controls and procedures were not effective was due to the presence of material weaknesses in our internal control over financial reporting, as that term is defined in Rules 13a–15(f) and 15d–15(f) under the Exchange Act, as previously disclosed in Part II, Item 9A of our 2023 Annual Report ("Item 9A"). In light of the material weakness identified by management, we have performed additional analyses and procedures in order to conclude that our condensed financial statements as of and for the three months ended March 31, 2024 are fairly presented, in all material respects, in accordance with GAAP, as further described below.
Description of Material Weaknesses and Management's Remediation Initiatives
As previously reported in Item 9A, management identified a material weakness in internal control over financial reporting with respect to information technology general controls in the area of user access management within an application supporting the Company’s accounting and reporting processes, which resulted in certain segregation of duties conflicts. As such, certain of the Company’s manual business process controls dependent upon the information derived from this application were also ineffective.

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The Company and its Board of Directors are committed to maintaining a strong internal control environment. As such, the following measures were implemented and in place prior to December 31, 2023:
•Privileged administrative access to the application was removed for finance department personnel.
•Additional control design enhancements were implemented for user access provisioning, modification, and removals from the application to ensure all access changes to the application are subject to formal documentation and approval.
In addition to the actions taken during the fourth quarter of 2023, management continued implementation of the remediation plan to enhance the design of information technology general controls during the quarter ended March 31, 2024. Specifically, management implemented the following additional measures to further ensure its controls and procedures are operating effectively:
•Ongoing monitoring of enhanced user provisioning controls.
•Evaluation of resources of finance department, including the hiring of additional personnel to enhance resources to ensure proper segregation of duties within applications that support financial reporting processes.
While management continues to take steps towards implementing the remediation plan, the material weakness will not be considered fully remediated until the controls have operated effectively, as evidenced through testing, for a sufficient amount of time.
However, after giving full consideration to the material weakness described above, and based on a number of other factors, including the measures implemented prior to March 31, 2024 to remediate the material weakness in internal control over financial reporting, and the performance of procedures by management designed to ensure that information required to be disclosed is communicated to our management to allow timely decisions regarding required disclosure, management has concluded that the consolidated financial statements included in this report on Form 10-Q present fairly, in all material respects, the Company’s financial position, the results of its operations and its cash flows for each of the periods presented in conformity with GAAP and that disclosures to be made about material information required to be included in our periodic reports with the SEC were made timely and properly included in this report on Form 10-Q.
Other than the implementation of additional measures outlined in the remediation plan for the material weakness noted above, there has been no change in our internal control over financial reporting which has occurred during, or subsequent to, the period covered by this report that has materially affected, or is reasonably likely to materially affect, our internal control over financial reporting.


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Part II. Other Information
Item 1 – Legal Proceedings
Various legal proceedings may arise in the ordinary course of business and may be pending or threatened against the Company and its subsidiaries. Neither the Company nor any of its subsidiaries are involved in any pending legal proceedings that management believes are material to the Company or its consolidated financial position.  If an exposure were to be identified, it is the Company’s policy to establish and accrue appropriate reserves during the accounting period in which a loss is deemed to be probable and the amount is determinable.
Item 1A – Risk Factors
Investing in shares of our common stock involves certain risks, including those identified and described in Item 1A of our Annual Report on Form 10-K for the fiscal year ended December 31, 2023, as well as cautionary statements contained in this Form 10-Q, including those under the caption “Forward-Looking Statements” set forth in the forepart of this Form 10-Q, risks and matters described elsewhere in this Form 10-Q and in our other filings with the SEC. There are no material changes from the risk factors set forth in the Company’s Annual Report on Form 10-K for the year ended December 31, 2023.
Item 5 – Other Information
5(c) Trading Arrangements of Section 16 Reporting Persons.
During the quarter ended March 31, 2024, no person who is required to file reports pursuant to Section 16(a) of the Securities and Exchange Act of 1934, as amended, with respect to holdings of, and transactions in, the Company’s common shares (i.e. directors and certain officers of the Company) maintained, adopted, modified or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1(c) arrangement”, as those terms are defined in Section 229.408 of the regulations of the SEC.

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Item 6 - Exhibits
The following exhibits are filed with this report or, as noted, are incorporated by reference. Except as noted below the exhibits identified have Securities and Exchange Commission File No. 000-15572. Management contracts, compensatory plans and arrangements are marked with an asterisk (*).
3.a
Articles of Incorporation of the Company and amendments thereto were filed as Exhibits 3.a.i through 3.a.v to the Company's Quarterly Report on Form 10-Q for the period ended June 30, 2002, and are incorporated herein by reference. Articles of Amendment to the Articles of Incorporation were filed as Exhibits 3.1 and 3.2 to the Company’s Current Report on Form 8-K filed on January 13, 2009, and are incorporated herein by reference. Articles of Amendment to the Articles of Incorporation were filed as Exhibit 3.1.b to the Company’s Registration Statement on Form S-3D filed on June 29, 2010 (Commission File No. 333-167856), and are incorporated herein by reference. Articles of Amendment to the Articles of Incorporation were filed as Exhibit 3.1 to the Company’s Current Report on Form 8-K filed on September 6, 2011, and are incorporated herein by reference. Articles of Amendment to the Articles of Incorporation were filed as Exhibit 3.1 to the Company’s Current Report on Form 8-K filed on December 26, 2012, and are incorporated herein by reference. Articles of Amendment to the Articles of Incorporation were filed as Exhibit 99.1 to the Company's Current Report on Form 8-K filed June 14, 2022, and are incorporated herein by reference.
3.b
4.a
31.1
31.2
32.1
32.2
101
The following financial information from the Company’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2024, formatted in eXtensible Business Reporting Language (XBRL): (i) the Consolidated Balance Sheets, (ii) the Consolidated Statements of Income, (iii) the Consolidated Statements of Comprehensive Income, (iv) the Consolidated Statements of Shareholders’ Equity, (v) the Consolidated Statements of Cash Flows, and (vi) the Notes to Consolidated Financial Statements.
Copies of exhibits are available upon written request to: First Bancorp, Elizabeth B. Bostian, Chief Financial Officer, 300 SW Broad Street, Southern Pines, North Carolina, 28387

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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
 FIRST BANCORP
  
May 8, 2024BY:/s/  Richard H. Moore
 Richard H. Moore
Chief Executive Officer
(Principal Executive Officer),
and Director
 
May 8, 2024BY:/s/  Elizabeth B. Bostian
 Elizabeth B. Bostian
Executive Vice President
and Chief Financial Officer
May 8, 2024BY:/s/  Blaise B. Buczkowski
Blaise B, Buczkowski
Executive Vice President
and Chief Accounting Officer

Page 58
 EX-31.1 2 fbnc2024-03exx311.htm EX-31.1 Document

Exhibit 31.1
Chief Executive Officer Certification Pursuant to 18 U.S.C. Section 1350,
As Adopted Pursuant to Section 302(a) of the Sarbanes-Oxley Act of 2002
I, Richard H. Moore, certify that:
1.I have reviewed this Form 10-Q of First Bancorp.;
2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
4.The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
(a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
(b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
(c)Evaluated the effectiveness of the registrant's disclosure controls and procedures, and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
(d)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and
5.The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors:
(a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
(b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.
May 8, 2024/s/ Richard H. Moore
 Richard H. Moore
 Chief Executive Officer

 EX-31.2 3 fbnc2024-03exx312.htm EX-31.2 Document

Exhibit 31.2
Chief Financial Officer Certification Pursuant to 18 U.S.C. Section 1350,
As Adopted Pursuant to Section 302(a) of the Sarbanes-Oxley Act of 2002
I, Elizabeth B. Bostian, certify that:
1.I have reviewed this Form 10-Q of First Bancorp.;
2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
4.The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
(a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
(b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
(c)Evaluated the effectiveness of the registrant's disclosure controls and procedures, and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
(d)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and
5.The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors:
(a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
(b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.
May 8, 2024/s/ Elizabeth B. Bostian
 Elizabeth B. Bostian
 Chief Financial Officer

 EX-32.1 4 fbnc2024-03exx321.htm EX-32.1 Document

Exhibit 32.1
Chief Executive Officer
Certification Pursuant to 18 U.S.C. Section 1350,
as Adopted Pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002
In connection with the Quarterly Report of First Bancorp (the "Company") on Form 10-Q for the period ended March 31, 2024 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Richard H. Moore, Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to my knowledge:
(1)The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and
(2)The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.
/s/ Richard H. Moore
Richard H. Moore
Chief Executive Officer
May 8, 2024
A signed original of this written statement required by Section 906, or other document authenticating, acknowledging, or otherwise adopting the signature that appears in typed form within the electronic version of this written statement required by Section 906 has been provided to First Bancorp and will be retained by First Bancorp and furnished to the Securities and Exchange Commission or its staff upon request.


 EX-32.2 5 fbnc2024-03exx322.htm EX-32.2 Document

Exhibit 32.2
Chief Financial Officer
Certification Pursuant to 18 U.S.C. Section 1350,
as Adopted Pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002
In connection with the Quarterly Report of First Bancorp (the "Company") on Form 10-Q for the period ended March 31, 2024 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Elizabeth B. Bostian, Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to my knowledge:
(1)The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and
(2)The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.
/s/ Elizabeth B. Bostian
Elizabeth B. Bostian
Chief Financial Officer
May 8, 2024
A signed original of this written statement required by Section 906, or other document authenticating, acknowledging, or otherwise adopting the signature that appears in typed form within the electronic version of this written statement required by Section 906 has been provided to First Bancorp and will be retained by First Bancorp and furnished to the Securities and Exchange Commission or its staff upon request.


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Amounts reclassified from accumulated other comprehensive income Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax Unrealized losses, AFS Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss Equity [Abstract] Equity [Abstract] Weighted average remaining lease term Operating Lease, Weighted Average Remaining Lease Term Accruing 60-89 Days Past Due Financial Asset, 60 to 89 Days Past Due [Member] Compensation Actually Paid vs. Company Selected Measure Compensation Actually Paid vs. Company Selected Measure [Text Block] Total Debt Securities, Continuous Unrealized Loss Position [Abstract] Debt Securities, Continuous Unrealized Loss Position [Abstract] Amortization of net loss (gain) Defined Benefit Plan, Amortization of Gain (Loss) Deferred tax benefit Increase (Decrease) in Deferred Income Taxes Initial ACL for acquired PCD loans Financing Receivable, Excluding Accrued Interest, Allowance For Credit Loss, Increase From Acquisition Financing Receivable, Excluding Accrued Interest, Allowance For Credit Loss, Increase From Acquisition Financial Instrument Performance Status [Axis] Financial Instrument Performance Status [Axis] Unrealized losses, AFS Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss Net cash received in acquisition activities Payments to Acquire Businesses, Net of Cash Acquired Stock withheld for payment of taxes (in shares) Share-Based Payment Arrangement, Shares Withheld for Tax Withholding Obligation Private mortgage-backed security fair value Private Mortgage-Backed Security, Fair Value Private mortgage-backed security fair value. Financing Receivable, Credit Quality Indicator [Table] Financing Receivable, Credit Quality Indicator [Table] Schedule of Analysis of Payment Status Financing Receivable, Past Due [Table Text Block] SBA Servicing Asset Servicing Asset Book Values and Fair Values of Held-to-Maturity Securities Debt Securities, Held-to-Maturity [Table Text Block] Due after five years but within ten years Debt Securities, Held-to-Maturity, Amortized Cost Excluding Accrued Interest, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, after Year 5 through 10 Basis spread on variable rate (as a percent) Debt Instrument, Basis Spread on Variable Rate Nonaccrual loans Total Nonaccrual Loans Financing Receivable, Excluding Accrued Interest, Nonaccrual Compensation Actually Paid vs. Other Measure Compensation Actually Paid vs. Other Measure [Text Block] Non accrual individually evaluated loan threshold Individually Evaluated Loans, Nonaccrual, Net Book Balance, Evaluation Threshold, Amount Individually Evaluated Loans, Nonaccrual, Net Book Balance, Evaluation Threshold, Amount Demand deposits, money market and savings Deposits, Fair Value Disclosure Origination of presold mortgage loans in process of settlement Origination Of Pre-Sold Mortgage Loans In Process Of Settlement Origination of pre-sold mortgages in process of settlement. 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Total undiscounted lease payments Lessee, Operating Lease, Liability, to be Paid 2020 Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff Credit Loss Status [Axis] Credit Loss Status [Axis] FRB Bank Term Funding Program Due December 27th, 2024 FRB Bank Term Funding Program Due December 27th, 2024 [Member] FRB Bank Term Funding Program Due December 27th, 2024 Financing Receivable, Collateral Dependent Financing Receivable, Collateral Dependent [Member] Financing Receivable, Collateral Dependent Increase in cash and cash equivalents Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect Option extension period Lessee, Operating Lease, Renewal Term Equity Component [Domain] Equity Component [Domain] Non-GAAP Measure Description Non-GAAP Measure Description [Text Block] Entity Current Reporting Status Entity Current Reporting Status Concentration Risk Type [Domain] Concentration Risk Type [Domain] Summary of Accrued Interest Receivables Written Off Summary Of Financing Receivable, Interest Receivable [Table Text Block] Summary Of Financing Receivable, Interest Receivable Commercial real estate - owner occupied Commercial Real Estate - Owner Occupied [Member] Commercial Real Estate - Owner Occupied Proceeds from sales of SBA loans Proceeds From Sales Of SBA Loans And Other Proceeds from sales of small business loans. Financing receivable, excluding accrued interest, credit loss expense (reversal) Provisions / (Reversals) Initial provision for credit losses on unfunded commitments acquired from GrandSouth Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal) Estimated Fair Value Estimate of Fair Value Measurement [Member] Due from banks, interest-bearing Due from Banks Scenario [Domain] Scenario [Domain] Forgone Recovery due to Disqualification of Tax Benefits, Amount Forgone Recovery due to Disqualification of Tax Benefits, Amount Mortgage-backed securities Collateralized Mortgage-Backed Securities [Member] Awards Close in Time to MNPI Disclosures Awards Close in Time to MNPI Disclosures [Table] Total Total Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process Revolving Financing Receivable, Excluding Accrued Interest, Revolving Variable Rate [Domain] Variable Rate [Domain] Pay vs Performance Disclosure [Line Items] 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Significant Unobservable Inputs (Level 3) Fair Value, Inputs, Level 3 [Member] FHLB, cost Federal Home Loan Bank Stock Increase in accrued interest receivable Increase (Decrease) in Accrued Interest Receivable, Net Securities available for sale Fair Value Total securities Debt Securities, Available-for-Sale, Excluding Accrued Interest Due after five years but within ten years Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 Stock options exercised Stock Issued During Period, Value, Stock Options Exercised Interest Income Interest and Dividend Income, Operating [Abstract] Non-PEO NEO Average Compensation Actually Paid Amount Non-PEO NEO Average Compensation Actually Paid Amount Schedule of Allowance for Loan Losses Financing Receivable, Allowance for Credit Loss [Table Text Block] Net income Net income Net income Net Income (Loss) Accruing 90 Days or More Past Due Financial Asset, Equal to or Greater than 90 Days Past Due [Member] Changed Peer Group, Footnote Changed Peer Group, Footnote [Text Block] Company Selected Measure Name Company Selected Measure Name Due after one year but within five years Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five Leases Lessee, Operating Leases [Text Block] Unguaranteed portions of SBA loans included in table above Small Business Administration, Unguaranteed Portion [Member] Small Business Administration, Unguaranteed Portion [Member] Corporate bonds Corporate Bond Securities [Member] Finite-Lived Intangible Assets [Line Items] Finite-Lived Intangible Assets [Line Items] Concentration Risk Benchmark [Domain] Concentration Risk Benchmark [Domain] Unrealized (losses) Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax Stock options exercised (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period Common Class B Common Class B [Member] Weighted average useful life Acquired Finite-Lived Intangible Assets, Weighted Average Useful Life Name Measure Name Name Forgone Recovery, Individual Name Goodwill Goodwill Financial Instrument Performance Status [Domain] Financial Instrument Performance Status [Domain] Total nonperforming assets Financing Receivable, Including Foreclosed Real Estate Financing Receivable, Including Foreclosed Real Estate Non-cash: Unrealized (loss) gain on securities available for sale, net of taxes Unrealized Gain (Loss) On Securities Available For Sale, Net Of Taxes Unrealized Gain (Loss) On Securities Available For Sale, Net Of Taxes Lessee, Lease, Description [Table] Lessee, Lease, Description [Table] Measurement Basis [Axis] Measurement Basis [Axis] Underlying Securities Award Underlying Securities Amount Fair Value Debt Securities, Held-to-Maturity, Fair Value, Maturity [Abstract] Fair value mark Financing Receivable, Excluding Accrued Interest, Purchased Loans, 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[Domain] Purchase price Financing Receivable, Purchased with Credit Deterioration, Amount at Purchase Price Number of securities held in an unrealized loss position Debt Securities, Available-For-Sale And Held-To-Maturity, Unrealized Loss Position, Number Of Positions Debt Securities, Available-For-Sale And Held-To-Maturity, Unrealized Loss Position, Number Of Positions Net amortization of deferred loan fees Increase (Decrease) In Net Deferred Loan Costs The increase or decrease in the amount of deferred loan costs during the period. Thereafter Finite-Lived Intangible Asset, Expected Amortization, After Year Four Finite-Lived Intangible Asset, Expected Amortization, After Year Four Asset Pledged as Collateral Asset Pledged as Collateral [Member] Schedule of Estimated Lease Payments Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block] Effect of dilutive securities (in shares) Weighted Average Number of Shares Outstanding, Diluted, Adjustment SBA guaranteed servicing income SBA Guaranteed Servicing Income SBA Guaranteed Servicing Income Due after five years but within ten years Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 Defined Contribution Plan [Table] Defined Contribution Plan [Table] Pledged Status [Axis] Pledged Status [Axis] Schedule of the Carrying Amounts and Estimated Fair Values of Financial Instruments Fair Value, by Balance Sheet Grouping [Table Text Block] Classified Classified Credit Assessment [Member] Classified Credit Assessment Other Performance Measure, Amount Other Performance Measure, Amount SBA servicing assets Servicing Contracts [Member] Cash Flows From Investing Activities Net Cash Provided by (Used in) Investing Activities [Abstract] Analysis of Collateral-Dependent Loans Financing Receivable, Collateral Dependent Loans [Table Text Block] Financing Receivable, Collateral Dependent Loans Plan Name [Domain] Plan Name [Domain] Total interest expense Interest Expense Unrecognized compensation expense Share-Based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount Finite-lived intangible assets acquired Add: New servicing assets Finite-Lived Intangible Assets Acquired April 1, 2024 to December 31, 2024 Finite-Lived Intangible Asset, Expected Amortization, Remainder of Fiscal Year Trading Arrangement: Trading Arrangement [Axis] Subordinated Debentures Due November 15, 2030 Subordinated Debentures Due November 15, 2030 [Member] Subordinated Debentures Due November 15, 2030 Fair Value Debt Securities, Available-for-Sale [Abstract] Entity File Number Entity File Number Unamortized discount on acquired borrowings Debt Instrument, Unamortized Discount Discount rate Measurement Input, Discount Rate [Member] Unrealized Loss on Securities Available for Sale AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member] Debt Securities, Trading, and Equity Securities, FV-NI [Table] Debt Securities, Trading, and Equity Securities, FV-NI [Table] Unrealized (losses) gains on securities available for sale: OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, before Tax [Abstract] Intangibles amortization Amortization of intangible assets Amortization of Intangible Assets Entity Shell Company Entity Shell Company Business Acquisition, Acquiree [Domain] Business Acquisition, Acquiree [Domain] Interest-bearing deposits Interest-Bearing Domestic Deposit, Checking Restatement Determination Date Restatement Determination Date Financing Receivable, Allowance for Credit Loss [Table] Financing Receivable, Allowance for Credit Loss [Table] Decrease in other liabilities Increase (Decrease) in Other Operating Liabilities Rule 10b5-1 Arrangement Adopted Rule 10b5-1 Arrangement Adopted [Flag] Cash and cash equivalents, beginning of period Cash and cash equivalents, end of period Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents Commissions from the sales of financial products Investment Banking Revenue Fair value, AFS Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer Common stock, shares issued (in shares) Common Stock, Shares, Issued Vested during the period (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period Unrealized (losses) Debt Securities, Held-to-Maturity, Accumulated Unrecognized Loss Unrealized losses, AFS Debt Securities, 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Other gains, net Other Operating Gains (Losses) Other operating gains (losses). Entity Address, State or Province Entity Address, State or Province Compensation Actually Paid vs. Total Shareholder Return Compensation Actually Paid vs. Total Shareholder Return [Text Block] Cash Flows From Operating Activities Net Cash Provided by (Used in) Operating Activities [Abstract] Increase in accrued interest payable Increase (Decrease) in Interest Payable, Net Conversion price (in dollars per share) Debt Instrument, Convertible, Conversion Price Proceeds from maturities, calls and principal repayments of securities available for sale Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-Sale Basic EPS: Earnings Per Share, Basic [Abstract] Noninterest Income Noninterest Income [Abstract] Accumulated Other Comprehensive Income (Loss) [Line Items] Accumulated Other Comprehensive Income (Loss) [Line Items] Tax expense Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax Interest income on nonaccrual loans Financing Receivable, Nonaccrual, Interest Income Class of Stock [Domain] Class of Stock [Domain] Basic EPS per common share Net Income (Loss) Available to Common Stockholders, Basic Carrying value of shares Investment Owned, Fair Value Investment securities, pledged as collateral for public deposits Deposit Liabilities, Collateral Issued, Financial Instruments Operating lease liabilities Present value of estimated lease payments (lease liability) Operating Lease, Liability Unrealized holding (losses) gains arising during the period, pretax OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment and Tax Total Shareholder Return Vs Peer Group Total Shareholder Return Vs Peer Group [Text Block] Accumulated Other Comprehensive Loss Total AOCI Attributable to Parent [Member] Aggregate Erroneous Compensation Amount Aggregate Erroneous Compensation Amount All Executive Categories All Executive Categories [Member] Accumulated Other Comprehensive Income (Loss) [Table] Accumulated Other Comprehensive Income (Loss) [Table] Total noninterest expenses Noninterest Expense Noninterest income (in-scope of ASC 606) Noninterest Income In Scope Of Revenue From Contracts With Customers The total amount of noninterest income in scope which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified. Postretirement Plans Asset (Liability) Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member] Plan Name [Axis] Plan Name [Axis] Debt Disclosure [Abstract] Debt Disclosure [Abstract] Stock-based compensation tax benefit Share-Based Payment Arrangement, Expense, Tax Benefit Earnings per common share: Earnings Per Share [Abstract] Organization and Basis of Presentation Basis of Accounting [Text Block] Number of branch locations Lessee, Number Of Leased Properties Lessee, Number Of Leased Properties Amortization and impairment of SBA servicing assets Servicing Asset at Amortized Cost, Amortization Common stock, no par value per share. Authorized: 60,000,000 shares, Issued & outstanding: 41,156,286 and 41,109,987 shares Common Stock, Value, Issued Due after one year but within five years Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five Organization, Consolidation and Presentation of Financial Statements [Abstract] Organization, Consolidation and Presentation of Financial Statements [Abstract] Unused lines of Credit Unused lines of Credit [Member] Amortization of operating lease right-of-use assets Operating Lease, Right-of-Use Asset, Periodic Reduction Tax benefit Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss), Reclassification Adjustment from AOCI, Tax Accrued interest payable Interest Payable Schedule of Defined Benefit Plans Disclosures [Table] Schedule of Defined Benefit Plans Disclosures [Table] Revenue from Contract with Customer [Abstract] Revenue from Contract with Customer [Abstract] All Individuals All Individuals [Member] Entity Filer Category Entity Filer Category Unrealized losses, HTM Debt Securities, Held-to-Maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss Non-PEO NEO Average Total Compensation Amount Non-PEO NEO Average Total Compensation Amount Statement [Table] Statement [Table] Current Fiscal Year End Date Current Fiscal Year End Date Securities held to maturity fair values Fair Value Total securities Debt Securities, Held-to-Maturity, Fair Value Guaranteed portions of SBA loans included in table above Small Business Administration, Guaranteed Portion [Member] Small Business Administration, Guaranteed Portion [Member] PEO Name PEO Name 2024 Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year Pass Pass [Member] Securities available for sale Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Marketable Securities Preferred stock, shares authorized (in 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Non-PCD Loans Financial Asset Acquired and No Credit Deterioration [Member] Other comprehensive (loss) income Other comprehensive income (loss) Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent Deposits Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Deposit Liabilities Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Deposit Liabilities Schedule of Noninterest Income Disaggregation of Revenue [Table Text Block] Trust Preferred Securities Due January 23, 2034 Trust Preferred Securities Due January 23, 2034 [Member] Trust Preferred Securities Due January 23, 2034 Amortization of unrecognized net actuarial losses Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss), Reclassification Adjustment from AOCI, before Tax Entity [Domain] Entity [Domain] Payment Deferral Payment Deferral [Member] Amendment Flag Amendment Flag Amortizable intangible assets: Finite-Lived Intangible Assets, Net [Abstract] Legal Entity [Axis] Legal Entity [Axis] Reclassification to realized losses Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax Weighted average discount rate Operating Lease, Weighted Average Discount Rate, Percent Combination - Term Extension and Payment Delay Extended Maturity and Payment Delay [Member] Extended Maturity and Payment Delay Cash paid during the period for interest Interest Paid, Excluding Capitalized Interest, Operating Activities Net interest income Interest Income (Expense), Net Due within one year Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One Amortization cost basis Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount Non-credit discount Financing Receivable, Purchased with Credit Deterioration, Discount (Premium) 2021 Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff Diluted (in shares) Diluted (in shares) Weighted Average Number of Shares Outstanding, Diluted Forgone Recovery, Explanation of Impracticability Forgone Recovery, Explanation of Impracticability [Text Block] Lessee Disclosure [Abstract] Lessee Disclosure [Abstract] Losses on calls of securities, net Losses on calls of securities, net Debt Securities, Available-for-Sale, Realized Gain (Loss) Purchases of premises and equipment Payments to Acquire Property, Plant, and Equipment Company Selected Measure Amount Company Selected Measure Amount Total assets Assets Name Awards Close in Time to MNPI Disclosures, Individual Name Residential 1-4 family real estate Residential Mortgage Loans Fixed Rate Residential Mortgage [Member] Total personnel expense Labor and Related Expense SBA Servicing Assets SBA Servicing Assets [Table Text Block] SBA Servicing Assets Vested during the period (in dollars per share) Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value Non-NEOs Non-NEOs [Member] Other gains, net Other Nonoperating Gains (Losses) Postretirement Plans: Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, after Tax [Abstract] Pension Plan Pension Plan [Member] Cash Flows From Financing Activities Net Cash Provided by (Used in) Financing Activities [Abstract] Non-PEO NEO Non-PEO NEO [Member] Adjustment to Compensation: Adjustment to Compensation [Axis] Bank-owned life insurance Bank Owned Life Insurance Debt Instrument [Line Items] Debt Instrument [Line Items] Scenario [Axis] Scenario [Axis] Basic (in shares) Basic (in shares) Weighted Average Number of Shares Outstanding, Basic Gross contractual amounts receivable Business Combination, Acquired Receivables, Gross Contractual Amount Concentration Risk Benchmark [Axis] Concentration Risk Benchmark [Axis] Total SBA loans included in the table above Small Business Administration Loan [Member] Small Business Administration Loan [Member] Intangibles before servicing assets Intangible Assets Excluding Servicing Assets [Member] Intangible Assets Excluding Servicing Assets Pay vs Performance Disclosure Pay vs Performance Disclosure [Table] Statement [Line Items] Statement [Line Items] Long-Term Restricted Stock Awards Long-Term Restricted Stock Awards [Member] Long Term Restricted Stock Member Schedule of Debt Schedule of Debt [Table Text Block] Book Values and Fair Values of Available-for-Sale Securities Debt Securities, Available-for-Sale [Table Text Block] EX-101.PRE 10 fbnc-20240331_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT XML 12 R1.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Cover Page - shares
 3 Months Ended
Mar. 31, 2024
Apr. 30, 2024
Cover [Abstract]    
Document Type 10-Q  
Document Period End Date Mar. 31, 2024  
Entity File Number 0-15572  
Entity Registrant Name FIRST BANCORP  
Entity Incorporation, State or Country Code NC  
Entity Tax Identification Number 56-1421916  
Entity Address, Address Line One 300 SW Broad St.,  
Entity Address, City or Town Southern Pines  
Entity Address, State or Province NC  
Entity Address, Postal Zip Code 28387  
City Area Code (910)  
Local Phone Number 246-2500  
Title of 12(b) Security Common Stock, No Par Value  
Trading Symbol FBNC  
Security Exchange Name NASDAQ  
Entity Current Reporting Status Yes  
Entity Interactive Data Current Yes  
Entity Filer Category Large Accelerated Filer  
Entity Small Business false  
Entity Emerging Growth Company false  
Entity Shell Company false  
Entity Common Stock, Shares Outstanding (in shares)   41,170,211
Entity Central Index Key 0000811589  
Amendment Flag false  
Current Fiscal Year End Date --12-31  
Document Fiscal Period Focus Q1  
Document Fiscal Year Focus 2024  
Document Quarterly Report true  
Document Transition Report false  
XML 13 R2.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Consolidated Balance Sheets - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Assets    
Cash and due from banks, noninterest-bearing $ 87,181 $ 100,891
Due from banks, interest-bearing 266,661 136,964
Total cash and cash equivalents 353,842 237,855
Securities available for sale 2,088,483 2,189,379
Securities held to maturity (fair values of $436,655 at March 31, 2024 and $449,623 at December 31, 2023) 525,627 533,678
Presold mortgages in process of settlement 6,703 2,667
Loans 8,076,506 8,150,102
Allowance for credit losses on loans (110,067) (109,853)
Net loans 7,966,439 8,040,249
Premises and equipment, net 150,546 150,957
Operating right-of-use lease assets 16,551 17,063
Accrued interest receivable 35,147 37,351
Goodwill 478,750 478,750
Other intangible assets, net 30,886 32,858
Bank-owned life insurance 185,061 183,897
Other assets 253,562 210,238
Total assets 12,091,597 12,114,942
Liabilities    
Noninterest-bearing deposits 3,362,265 3,379,876
Interest-bearing deposits 6,941,046 6,651,723
Total deposits 10,303,311 10,031,599
Borrowings 332,335 630,158
Accrued interest payable 9,847 5,699
Operating lease liabilities 17,343 17,833
Other liabilities 52,662 57,273
Total liabilities 10,715,498 10,742,562
Commitments and contingencies
Shareholders' Equity    
Preferred stock, no par value per share. Authorized: 5,000,000 shares, Issued & outstanding: none and none 0 0
Common stock, no par value per share. Authorized: 60,000,000 shares, Issued & outstanding: 41,156,286 and 41,109,987 shares 965,429 963,990
Retained earnings 732,643 716,420
Stock in rabbi trust assumed in acquisition (1,396) (1,385)
Rabbi trust obligation 1,396 1,385
Accumulated other comprehensive loss (321,973) (308,030)
Total shareholders’ equity 1,376,099 1,372,380
Total liabilities and shareholders’ equity $ 12,091,597 $ 12,114,942
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Consolidated Balance Sheets (Parenthetical) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Statement of Financial Position [Abstract]    
Securities held to maturity fair values $ 436,655 $ 449,623
Preferred stock, shares authorized (in shares) 5,000,000 5,000,000
Preferred stock, shares issued (in shares) 0 0
Preferred stock, shares outstanding (in shares) 0 0
Common stock, shares authorized (in shares) 60,000,000 60,000,000
Common stock, shares issued (in shares) 41,156,286 41,109,987
Common stock, shares outstanding (in shares) 41,156,286 41,109,987
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Consolidated Statements of Income - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Interest Income    
Interest and fees on loans $ 109,756 $ 99,380
Interest on investment securities:    
Taxable interest income 12,728 13,416
Tax-exempt interest income 1,117 1,130
Other, principally overnight investments 2,971 3,248
Total interest income 126,572 117,174
Interest Expense    
Interest on deposits 39,135 18,918
Interest on borrowings 8,205 5,770
Total interest expense 47,340 24,688
Net interest income 79,232 92,486
Provision for credit losses 1,200 12,502
Net interest income after provision for credit losses 78,032 79,984
Noninterest Income    
Service charges on deposit accounts 3,868 3,894
Other service charges, commissions and fees 5,612 5,920
Presold mortgage loan fees and gains on sale 338 406
Commissions from sales of financial products 1,320 1,306
SBA consulting fees 257 521
SBA loan sale gains 895 255
Bank-owned life insurance income 1,164 1,046
Securities losses, net (975) 0
Other gains, net 459 188
Total noninterest income 12,938 13,536
Noninterest Expense    
Salaries 27,642 29,321
Employee benefits 6,269 6,393
Total personnel expense 33,911 35,714
Occupancy expense 3,663 3,688
Equipment related expenses 1,925 1,379
Merger and acquisition expenses 0 12,182
Intangibles amortization 1,759 2,145
Other operating expenses 17,929 19,067
Total noninterest expenses 59,187 74,175
Income before income taxes 31,783 19,345
Income tax expense 6,511 4,184
Net income $ 25,272 $ 15,161
Earnings per common share:    
Basic (in dollars per share) $ 0.61 $ 0.37
Diluted (in dollars per share) $ 0.61 $ 0.37
Weighted average common shares outstanding:    
Basic (in shares) 40,843,865 40,583,417
Diluted (in shares) 41,249,636 41,112,692
XML 16 R5.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Consolidated Statements of Comprehensive Income - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Statement of Comprehensive Income [Abstract]    
Net income $ 25,272 $ 15,161
Unrealized (losses) gains on securities available for sale:    
Unrealized holding (losses) gains arising during the period, pretax (19,143) 35,333
Tax benefit (expense) 4,432 (7,425)
Reclassification to realized losses 975 0
Tax expense (226) 0
Postretirement Plans:    
Amortization of unrecognized net actuarial losses 25 44
Tax benefit (6) (11)
Other comprehensive (loss) income (13,943) 27,941
Comprehensive income $ 11,329 $ 43,102
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Consolidated Statements of Shareholders' Equity - USD ($)
$ in Thousands
Total
Common Stock
Retained Earnings
Stock in Rabbi Trust Assumed in Acquisition
Rabbi Trust Obligation
Accumulated Other Comprehensive Loss
Beginning balance (in shares) at Dec. 31, 2022   35,704,000        
Beginning balance at Dec. 31, 2022 $ 1,031,596 $ 725,153 $ 648,418 $ (1,585) $ 1,585 $ (341,975)
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income 15,161   15,161      
Cash dividends declared (9,006)   (9,006)      
Change in Rabbi Trust Obligation 0     (23) 23  
Equity issued related to acquisition (in shares)   5,033,000        
Equity issued pursuant to acquisition 229,489 $ 229,489        
Stock options exercised (in shares)   170,000        
Stock options exercised 3,215 $ 3,215        
Stock-based compensation (in shares)   80,000        
Stock-based compensation 1,565 $ 1,565        
Other comprehensive income (loss) 27,941         27,941
Ending balance (in shares) at Mar. 31, 2023   40,987,000        
Ending balance at Mar. 31, 2023 $ 1,299,961 $ 959,422 654,573 (1,608) 1,608 (314,034)
Beginning balance (in shares) at Dec. 31, 2023 41,109,987 41,110,000        
Beginning balance at Dec. 31, 2023 $ 1,372,380 $ 963,990 716,420 (1,385) 1,385 (308,030)
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income 25,272   25,272      
Cash dividends declared (9,049)   (9,049)      
Change in Rabbi Trust Obligation 0     (11) 11  
Stock options exercised (in shares)   36,000        
Stock options exercised 726 $ 726        
Stock withheld for payment of taxes (in shares)   (4,000)        
Stock withheld for payment of taxes (126) $ (126)        
Stock-based compensation (in shares)   14,000        
Stock-based compensation 839 $ 839        
Other comprehensive income (loss) $ (13,943)         (13,943)
Ending balance (in shares) at Mar. 31, 2024 41,156,286 41,156,000        
Ending balance at Mar. 31, 2024 $ 1,376,099 $ 965,429 $ 732,643 $ (1,396) $ 1,396 $ (321,973)
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Consolidated Statements of Shareholders' Equity (Parenthetical) - $ / shares
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Statement of Stockholders' Equity [Abstract]    
Dividends declared per common share (in dollars per share) $ 0.22 $ 0.22
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Consolidated Statements of Cash Flows - USD ($)
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Cash Flows From Operating Activities    
Net income $ 25,272,000 $ 15,161,000
Reconciliation of net income to net cash (used) provided by operating activities:    
Provision for credit losses 1,200,000 12,502,000
Net security premium amortization 2,164,000 2,351,000
Deferred tax benefit (379,000) (1,713,000)
Loan discount accretion (2,881,000) (3,566,000)
Deposit and debt discount accretion, net 472,000 1,227,000
Foreclosed property gains, net 0 (35,000)
Losses on calls of securities, net 975,000 0
Other gains, net (459,000) (244,000)
Bank-owned life insurance income (1,164,000) (1,046,000)
Net amortization of deferred loan fees (418,000) (127,000)
Depreciation of premises and equipment 2,019,000 1,923,000
Amortization of operating lease right-of-use assets 512,000 567,000
Repayments of lease obligations (490,000) (485,000)
Stock-based compensation expense 662,000 1,118,000
Amortization of intangible assets 1,759,000 2,145,000
Amortization and impairment of SBA servicing assets 437,000 184,000
Fees/gains from sale of presold mortgages and SBA loans (1,233,000) (661,000)
Origination of presold mortgage loans in process of settlement (16,241,000) (12,528,000)
Proceeds from sales of presold mortgage loans in process of settlement 19,411,000 11,296,000
Origination of SBA loans for sale (15,011,000) (8,933,000)
Proceeds from sales of SBA loans 11,940,000 4,679,000
Increase in accrued interest receivable 2,204,000 3,707,000
(Increase) decrease in other assets (51,175,000) 8,719,000
Increase in accrued interest payable 4,148,000 3,872,000
Decrease in other liabilities (3,816,000) (3,498,000)
Net cash (used) provided by operating activities (20,092,000) 36,615,000
Cash Flows From Investing Activities    
Proceeds from maturities, calls and principal repayments of securities available for sale 81,700,000 58,856,000
Proceeds from maturities, calls and principal repayments of securities held to maturity 5,940,000 759,000
Proceeds from sales of securities available for sale 0 111,863,000
Purchases of Federal Reserve and FHLB stock (15,778,000) (42,869,000)
Redemptions of Federal Reserve and FHLB stock 28,880,000 15,010,000
Purchases of other investments (251,000) 0
Net decrease (increase) in loans 72,244,000 (133,712,000)
Proceeds from sales of foreclosed properties 0 192,000
Purchases of premises and equipment (1,641,000) (346,000)
Proceeds from sales of premises and equipment 10,000 15,000
Net cash received in acquisition activities 0 22,610,000
Net cash provided by investing activities 171,104,000 32,378,000
Cash Flows From Financing Activities    
Net increase in deposits 271,429,000 98,742,000
Advances from other borrowings 481,000,000 929,000,000
Repayment of other borrowings (779,012,000) (649,034,000)
Cash dividends paid – common stock (9,042,000) (7,852,000)
Proceeds from stock option exercises 726,000 3,215,000
Payment of taxes related to stock withheld (126,000) 0
Net cash (used) provided by financing activities (35,025,000) 374,071,000
Increase in cash and cash equivalents 115,987,000 443,064,000
Cash and cash equivalents, beginning of period 237,855,000 270,318,000
Cash and cash equivalents, end of period 353,842,000 713,382,000
Supplemental Disclosures of Cash Flow Information:    
Cash paid during the period for interest 42,825,000 19,333,000
Cash paid during the period for income taxes 22,000 46,000
Non-cash: Unrealized (loss) gain on securities available for sale, net of taxes (13,962,000) 27,908,000
Non-cash: Foreclosed loans transferred to other real estate 0 288,000
Non-cash: Accrued dividends at end of period $ 9,052,000 $ 9,010,000
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Organization and Basis of Presentation
 3 Months Ended
Mar. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Organization and Basis of Presentation Organization and Basis of Presentation
The consolidated financial statements include the accounts of First Bancorp (the “Company”) and its wholly owned subsidiary First Bank (the “Bank”). The Bank has three wholly owned subsidiaries that are fully consolidated, SBA Complete, Inc. (“SBA Complete”), Magnolia Financial, Inc. ("Magnolia Financial"), and First Troy SPE, LLC. All significant intercompany accounts and transactions have been eliminated.
The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America ("GAAP") for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all information and notes necessary for complete financial statements in accordance with GAAP. In the opinion of the Company, the accompanying unaudited consolidated financial statements contain all adjustments necessary to present fairly the consolidated financial position of the Company as of March 31, 2024, the consolidated results of operations for the three months ended March 31, 2024 and 2023, and the consolidated cash flows for the three months ended March 31, 2024 and 2023. Any such adjustments were of a normal, recurring nature. These interim financial statements should be read in conjunction with the Company's audited consolidated financial statements and notes in the 2023 Annual Report for the year ended December 31, 2023. Operating results for interim period are not necessarily indicative of the results that may be expected for the full year.
Reference is made to Note 1 of the 2023 Annual Report filed with the Securities and Exchange Commission (“SEC”) for a discussion of accounting policies and other relevant information with respect to the financial statements.
The Company has evaluated all subsequent events through the date the financial statements were issued.
Accounting Standards Adopted in 2024
Accounting Standards Update ("ASU") 2023-02, “Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method” permits reporting entities to elect to account for their tax equity investments, regardless of the tax credit program from which the income tax credits are received, using the proportional amortization method if certain conditions are met. This update is effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. The adoption of ASU 2023-02 did not have a significant impact on the Company's consolidated financial statements.
Accounting Standards Pending Adoption
ASU 2023-07, "Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures" amended existing guidance to improve disclosures about a public entity’s reportable segments and provide more detailed information about a reportable segment’s expenses. ASU 2023-07 clarifies that an entity which has a single reportable segment is to provide all the disclosures required by Topic 280 and ASU 2023-07. The amendment is effective for fiscal years beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. The adoption of ASU 2023-07 is not expected to have a significant impact on the Company's consolidated financial statements.
ASU 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures” amends existing guidance to improve the transparency of income tax disclosures, including disclosure of specific categories in the rate reconciliation, providing additional information for certain reconciling items, and providing details on income taxes paid. The amendments are effective for annual periods beginning after December 15, 2024. The adoption of ASU 2023-09 is not expected to have a significant impact on the Company's consolidated financial statements.
Other accounting standards that have been issued or proposed by the Financial Accounting Standards Board ("FASB") or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.
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Acquisitions
 3 Months Ended
Mar. 31, 2024
Business Combination and Asset Acquisition [Abstract]  
Acquisitions Acquisitions
On January 1, 2023, the Company completed its acquisition of GrandSouth Bancorporation ("GrandSouth"), in an all-stock transaction pursuant to the Agreement and Plan of Merger and Reorganization (the "Merger Agreement"), dated June 21, 2022, between the Company and GrandSouth. At the closing of the transaction, GrandSouth merged into the Company. Following the merger of the Company and GrandSouth, GrandSouth Bank, a wholly-owned subsidiary of GrandSouth, merged into the Bank with the Bank being the surviving entity. The results of GrandSouth are included beginning on the January 1, 2023 acquisition date.

Pursuant to the Merger Agreement, each share of common and preferred stock of GrandSouth issued and outstanding immediately prior to the effective time of the acquisition was converted into 0.91 shares of the Company's common stock. As a result, the Company issued 5,032,834 shares of the Company common stock effective January 1, 2023. In addition, GrandSouth common stock options outstanding at the merger effective time were converted to options to acquire 0.91 shares of the Company's common stock resulting in 542,345 options with an average exercise price of approximately $20.14. The total consideration transferred at the close of the transaction was $229.5 million which was determined based on the number of shares issued and the closing market price of the Company's stock immediately prior to the merger effective time of $42.84. In addition to the stock issued, the fair value of the converted stock options calculated in accordance with FASB Accounting Standards Codification ("ASC") 805-30-55 was included in the total consideration of the transaction.

As a result of the merger, eight branches in South Carolina were added to the Company's branch network. The acquisition accomplished the Company's strategic initiative to expand its presence in South Carolina, specifically in the high-growth markets of the state including Greenville, Charleston and Columbia. Significant synergies were anticipated to be gained from the acquisition, with asset growth and revenue enhancement opportunities from the new markets and expanded customer base. Accordingly, the Company recognized goodwill in the transaction related primarily to the reasons noted, as well as the positive earnings of GrandSouth.
This transaction was accounted for using the acquisition method of accounting for business combinations, and accordingly, the assets acquired, intangible assets identified, and liabilities assumed of GrandSouth were recorded based on estimates of fair values as of January 1, 2023. The determination of fair value requires management to make estimates about discount rates, future expected cash flows, market conditions, and other future events that are highly subjective in nature and subject to change. Estimated fair values were based on management’s best estimates, using the information available at the date of acquisition, including the use of third-party valuation specialists. Management has finalized the valuations of all acquired assets and liabilities assumed in the GrandSouth acquisition.
The following table summarizes the estimated fair value of acquired assets, identified intangible assets, and liabilities assumed as of January 1, 2023. Following the table is a discussion of valuation approaches utilized in estimating the fair values in accordance with ASC 805-10, "Business Combinations." The $114.5 million in goodwill that resulted from this transaction is non-deductible for tax purposes.
($ in thousands)Fair Value Estimate
Assets acquired:
Cash and cash equivalents$22,610 
Securities available for sale112,363 
Loans, gross996,833 
Allowance for loan losses(5,610)
Premises and equipment20,268 
Core deposit intangible28,840 
Operating right-of-use lease assets732 
Other assets27,163 
Total1,203,199 
Liabilities assumed:
Deposits1,045,308 
Borrowings38,800 
Other liabilities4,089 
Total1,088,197 
Net identifiable assets acquired115,002 
Less: Total consideration229,489 
Goodwill recorded related to acquisition of GrandSouth$114,487 
The following is a description of the methods used to determine the fair values of significant assets acquired and liabilities assumed included in the table above.

Cash and cash equivalents: This consists primarily of cash and due from banks, and interest-bearing deposits with banks. The carrying amount of these assets was a reasonable estimate of fair value based on the short-term nature of these assets.

Securities available for sale: Fair value of securities was measured based on quoted market prices, where available. If a quoted market price was not available, fair value was estimated using quoted market prices for similar securities and adjusted for differences between the quoted instrument and the instrument being valued. Substantially all of the securities acquired from GrandSouth were liquidated at their recorded fair value upon close of the transaction or shortly thereafter. There was no gain or loss recorded on the sale of acquired securities.

Loans: Fair value of loans acquired was based on a discounted cash flow methodology that considered factors including loan type and related collateral, classification status, remaining term of the loan, fixed or variable interest rate, amortization status, and current discount rates. Expected cash flows were derived using inputs consistent with management's assessment of credit risk for allowance measurement, including estimated future credit losses and estimated prepayments. A total fair value adjustment of $29.5 million was recorded. Purchased loans with financial deterioration ("PCD loans") were determined based primarily on internal grades, delinquency status, and other evidence of credit deterioration. The Company calculated the initial allowance of $5.6 million on PCD loans in accordance with its current expected credit loss model ("CECL") and reclassified that amount from the fair value adjustment to establish the initial allowance for credit losses ("ACL") on PCD loans. The following table presents additional information related to the acquired loan portfolio at the acquisition date:
($ in thousands)January 1, 2023
PCD Loans:
Par value$152,487 
Allowance for credit losses(5,610)
Non-credit discount(1,370)
Purchase price145,507 
Non-PCD Loans:
Fair Value845,716 
Gross contractual amounts receivable865,132 
Estimate of contractual cash flows not expected to be collected22,542 
Premises: Land and buildings held for use were valued at appraised values, which reflected considerations of recent disposition values for similar property types with adjustments for characteristics of individual properties.

Intangible assets: Core deposit intangible ("CDI") asset represents the value of the relationships with deposit customers. The fair value for the core deposit intangible asset was estimated based on a discounted cash flow methodology that gave appropriate consideration to expected customer attrition rates, cost of deposit base, net maintenance cost attributable to customer deposits and an estimate of the cost associated with alternative funding sources. The discount rates used for CDI assets were based on market rates. The CDI is being amortized over 10 years utilizing the sum of the months digits accelerated method, which results in a weighted-average amortization period of approximately 41 months.

Lease Assets and Lease Liabilities: Lease assets and lease liabilities were measured using a methodology that involved estimating the future lease payments over the remaining lease term with discounting using a discount rate. The lease term was determined for individual leases based on management's assessment of the probability of exercising existing renewal options.

Deposits: The fair values used for the demand and savings deposits by definition equal the amount payable on demand at the acquisition date. Fair values for time deposits were estimated using a discounted cash flow analysis applying interest rates currently offered to the contractual interest rates on such time deposits.

Borrowings: The fair values of long-term debt instruments were estimated based on quoted market prices for instrument if available, or for similar instruments if not available.
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Securities
 3 Months Ended
Mar. 31, 2024
Investments, Debt and Equity Securities [Abstract]  
Securities Securities
The book values and approximate fair values of investment securities at March 31, 2024 and December 31, 2023 are summarized as follows:
($ in thousands)March 31, 2024December 31, 2023
Amortized
Cost		Fair
Value		UnrealizedAmortized
Cost		Fair
Value		Unrealized
Gains(Losses)Gains(Losses)
Securities available for sale:
U.S. Treasuries$124,876 123,770 — (1,106)174,785 172,570 — (2,215)
Government-sponsored enterprise securities71,965 59,959 — (12,006)71,964 60,266 — (11,698)
Mortgage-backed securities2,291,854 1,886,949 22 (404,927)2,323,674 1,937,784 30 (385,920)
Corporate bonds18,676 17,805 — (871)19,676 18,759 — (917)
Total available for sale$2,507,371 2,088,483 22 (418,910)2,590,099 2,189,379 30 (400,750)
Securities held to maturity:
Mortgage-backed securities$11,369 10,682 — (687)12,085 11,447 — (638)
State and local governments514,258 425,973 5 (88,290)521,593 438,176 39 (83,456)
Total held to maturity$525,627 436,655 5 (88,977)533,678 449,623 39 (84,094)

All of the Company’s mortgage-backed securities were issued by government-sponsored enterprises ("GSEs"), except for private mortgage-backed securities with a fair value of $0.7 million as of March 31, 2024 and December 31, 2023.
The following table presents information regarding all securities with unrealized losses at March 31, 2024:
Securities in an Unrealized
Loss Position for
Less than 12 Months		Securities in an Unrealized
Loss Position for
More than 12 Months		Total
($ in thousands)Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses
U.S. Treasuries$— — 123,770 1,106 123,770 1,106 
Government-sponsored enterprise securities— — 59,959 12,006 59,959 12,006 
Mortgage-backed securities448 1 1,895,026 405,613 1,895,474 405,614 
Corporate bonds— — 16,055 871 16,055 871 
State and local governments5,356 26 420,149 88,264 425,505 88,290 
Total unrealized loss position$5,804 27 2,514,959 507,860 2,520,763 507,887 

The following table presents information regarding all securities with unrealized losses at December 31, 2023:
Securities in an Unrealized
Loss Position for
Less than 12 Months		Securities in an Unrealized
Loss Position for
More than 12 Months		Total
($ in thousands)Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses
US Treasury securities$— — 172,570 2,215 172,570 2,215 
Government-sponsored enterprise securities— — 60,266 11,698 60,266 11,698 
Mortgage-backed securities1,117 5 1,945,830 386,553 1,946,947 386,558 
Corporate bonds— — 17,008 917 17,008 917 
State and local governments— — 432,476 83,456 432,476 83,456 
Total unrealized loss position$1,117 5 2,628,150 484,839 2,629,267 484,844 
As of March 31, 2024, the Company's securities portfolio held 651 securities of which 631 securities were in an unrealized loss position. As of December 31, 2023, the Company's securities portfolio held 657 securities of which 632 securities were in an unrealized loss position.
In the above tables, all of the securities that were in an unrealized loss position at March 31, 2024 and December 31, 2023 are bonds that the Company has determined are in a loss position due primarily to interest rate factors and not credit quality concerns. In arriving at this conclusion, the Company reviewed third-party credit ratings and considered the severity of the impairment. The state and local government investments are comprised almost entirely of highly-rated municipal bonds issued by state and local governments throughout the nation. The Company has no significant concentrations of bond holdings from one state or local government entity. Nearly all of our mortgage-backed securities were issued by Federal Home Loan Mortgage Corporation ("FHLMC"), Federal National Mortgage Association ("FNMA"), Government National Mortgage Association ("GNMA"), or the Small Business Administration ("SBA"), each of which is a government agency or GSE and guarantees the repayment of the securities.
At March 31, 2024 and December 31, 2023, the Company determined that expected credit losses associated with held to maturity securities and available for sale debt securities were insignificant.
The book values and approximate fair values of investment securities at March 31, 2024, by contractual maturity, are summarized in the table below. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.
 Securities Available for SaleSecurities Held to Maturity
($ in thousands)Amortized
Cost		Fair
Value		Amortized
Cost		Fair
Value
Due within one year$127,379 126,214 — — 
Due after one year but within five years10,000 8,595 1,997 1,805 
Due after five years but within ten years78,138 66,725 148,754 126,626 
Due after ten years— — 363,507 297,542 
Mortgage-backed securities2,291,854 1,886,949 11,369 10,682 
Total securities$2,507,371 2,088,483 525,627 436,655 
At March 31, 2024 and December 31, 2023, investment securities with carrying values of $910.8 million and $971.3 million, respectively, were pledged as collateral for public deposits. In addition, at March 31, 2024 and December 31, 2023, investment securities with carrying values of $668.9 million and $679.0 million, respectively, were pledged as collateral for Federal Reserve Bank ("Federal Reserve") borrowings.
At March 31, 2024 and December 31, 2023, there were no holdings of securities of any one issuer, other than U.S. Government and its agencies or GSEs, in an amount greater than 10% of shareholders' equity.
There were no sales of investment securities during the three months ended March 31, 2024. During that same period, the Company received proceeds from the call of a security of $5.2 million and recorded a $975.2 thousand loss related to the unamortized premium balance at the time of the call. During the three months ended March 31, 2023, the Company sold substantially all of the securities acquired from GrandSouth at their initially recorded fair value. Accordingly, there was no gain or loss recorded on the sale of acquired securities.
Included in “Other assets” in the consolidated balance sheets are investments in Federal Home Loan Bank (“FHLB”) and Federal Reserve stock totaling $41.4 million and $54.5 million at March 31, 2024 and December 31, 2023, respectively. These investments do not have readily determinable fair values. The FHLB stock had a cost of $8.5 million and $21.7 million at March 31, 2024 and December 31, 2023, respectively, and serves as part of the collateral for the Company’s line of credit with the FHLB and is also a requirement for membership in the FHLB system. The Federal Reserve stock had a cost and fair value of $32.9 million and $32.8 million at March 31, 2024 and December 31, 2023, respectively, and is a requirement for Federal Reserve member bank qualification. Periodically, both the FHLB and Federal Reserve recalculate the Company’s required level of holdings, and the Company either buys more stock or redeems a portion of the stock at cost. The Company determined that neither stock was impaired at either period end.
On March 31, 2024, the Company owned 12,356 Class B shares of Visa, Inc. (“Visa”) stock that were received upon Visa’s initial public offering. These shares were expected to convert into Class A Visa shares subsequent to the settlement of certain litigation against Visa, to which the Company is not a party. The Class B shares have transfer restrictions, and the conversion rate into Class A shares was periodically adjusted as Visa settles litigation. The conversion rate at March 31, 2024 was 1.5875, which means the Company would have received approximately 19,615 Class A shares if the stock had converted on that date. As the Class B stock did not have a readily determinable fair value, it was carried at zero. In April 2024, the Class B shares were sold at a conversion rate of 1.5875 and a gain of $4.5 million was recognized.
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Loans, Allowance for Credit Losses, and Asset Quality Information
 3 Months Ended
Mar. 31, 2024
Receivables [Abstract]  
Loans, Allowance for Credit Losses, and Asset Quality Information Loans, Allowance for Credit Losses, and Asset Quality Information
The following is a summary of the major categories of total loans outstanding:
($ in thousands)March 31, 2024December 31, 2023
 AmountPercentageAmountPercentage
Commercial and industrial$872,623 11 %$905,862 11 %
Construction, development & other land loans904,216 11 %992,980 12 %
Commercial real estate - owner occupied1,238,759 15 %1,259,022 16 %
Commercial real estate - non owner occupied2,524,221 31 %2,528,060 31 %
Multi-family real estate457,142 6 %421,376 5 %
Residential 1-4 family real estate1,684,173 21 %1,639,469 20 %
Home equity loans/lines of credit328,466 4 %335,068 4 %
Consumer loans66,666 1 %68,443 1 %
Subtotal8,076,266 100 %8,150,280 100 %
Unamortized net deferred loan fees240 (178)
Total loans$8,076,506 $8,150,102 

Also included in the table above are various SBA loans, generally originated under the SBA 7A program, with additional information on these loans presented in the table below.
($ in thousands)March 31, 2024December 31, 2023
Guaranteed portions of SBA loans included in table above$35,984 35,462 
Unguaranteed portions of SBA loans included in table above106,375 107,784 
Total SBA loans included in the table above$142,359 143,246 
Sold portions of SBA loans with servicing retained - not included in tables above$344,115 349,275 

At March 31, 2024 and December 31, 2023, there were remaining unaccreted discounts on the retained portion of sold SBA loans amounting to $3.4 million and $3.5 milion, respectively.

At March 31, 2024 and December 31, 2023, loans in the amount of $6.5 billion were pledged as collateral for certain borrowings.

At March 31, 2024 and December 31, 2023, total loans included loans to executive officers and directors of the Company, and their associates, totaling approximately $64.6 million and $63.7 million, respectively. There were no new loans, advances on existing loans totaled approximately $1.4 million for the three months ended March 31, 2024, and repayments amounted to $0.5 million for that period. Available credit on related party loans totaled $1.2 million and $2.7 million at March 31, 2024 and December 31, 2023, respectively.
As of March 31, 2024 and December 31, 2023, unamortized discounts on all acquired loans totaled $21.6 million and $24.0 million, respectively. Loan discounts are generally amortized as yield adjustments over the respective lives of the loans, so long as the loans perform.
Nonperforming assets ("NPAs") are defined as nonaccrual loans, modifications to borrowers in financial distress, loans past due 90 or more days and still accruing interest, and foreclosed real estate.
The following table summarizes the NPAs for each period presented.
($ in thousands)March 31,
2024		December 31,
2023
Nonaccrual loans$35,622 32,208 
Modifications to borrowers in financial distress10,999 11,719 
Total nonperforming loans46,621 43,927 
Foreclosed real estate926 862 
Total nonperforming assets$47,547 44,789 
At March 31, 2024 and December 31, 2023, the Company had $1.6 million and $1.0 million, respectively, in residential mortgage loans in the process of foreclosure.
At March 31, 2024 and December 31, 2023, there was one loan with a commitment to lend an immaterial amount of additional funds to a borrower whose loan was nonperforming.
The following table is a summary of the Company’s nonaccrual loans by major categories as of March 31, 2024:
($ in thousands)Nonaccrual Loans with No AllowanceNonaccrual Loans with an AllowanceTotal Nonaccrual Loans
Commercial and industrial$544 12,157 12,701 
Construction, development & other land loans— 61 61 
Commercial real estate - owner occupied879 8,089 8,968 
Commercial real estate - non owner occupied1,890 5,042 6,932 
Residential 1-4 family real estate1,035 3,462 4,497 
Home equity loans/lines of credit525 1,787 2,312 
Consumer loans— 151 151 
Total$4,873 30,749 35,622 

The following table is a summary of the Company’s nonaccrual loans by major categories as of December 31, 2023:
($ in thousands)Nonaccrual Loans with No AllowanceNonaccrual Loans with an AllowanceTotal Nonaccrual Loans
Commercial and industrial$944 8,932 9,876 
Construction, development & other land loans— 399 399 
Commercial real estate - owner occupied960 6,082 7,042 
Commercial real estate - non owner occupied6,121 1,082 7,203 
Residential 1-4 family real estate— 4,843 4,843 
Home equity loans/lines of credit534 2,169 2,703 
Consumer loans— 142 142 
Total$8,559 23,649 32,208 

There was no interest income recognized during the periods presented on nonaccrual loans. The Company follows its nonaccrual policy of reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status.

The following table represents the accrued interest receivables written off by reversing interest income during each period indicated:
($ in thousands)Three Months Ended March 31, 2024For the Year Ended December 31,
2023		Three Months Ended March 31, 2023
Commercial and industrial$216 225 123 
Construction, development & other land loans— 10 — 
Commercial real estate - owner occupied148 124 11 
Commercial real estate - non owner occupied— 186 5 
Residential 1-4 family real estate29 38 8 
Home equity loans/lines of credit7 57 9 
Consumer loans— 2 — 
Total$400 642 156 
The following table presents an analysis of the payment status of the Company’s loans as of March 31, 2024:
($ in thousands)Accruing
30-59
Days Past
Due		Accruing
60-89
Days
Past
Due		Nonaccrual
Loans		Accruing
Current		Total Loans
Receivable
Commercial and industrial$1,850 257 12,701 857,815 872,623 
Construction, development & other land loans388 — 61 903,767 904,216 
Commercial real estate - owner occupied1,055 — 8,968 1,228,736 1,238,759 
Commercial real estate - non owner occupied6,944 95 6,932 2,510,250 2,524,221 
Multi-family real estate— — — 457,142 457,142 
Residential 1-4 family real estate15,682 — 4,497 1,663,994 1,684,173 
Home equity loans/lines of credit696 222 2,312 325,236 328,466 
Consumer loans182 66 151 66,267 66,666 
Total$26,797 640 35,622 8,013,207 8,076,266 
Unamortized net deferred loan fees240 
Total loans8,076,506 

The following table presents an analysis of the payment status of the Company’s loans as of December 31, 2023:
($ in thousands)Accruing
30-59
Days
Past
Due		Accruing
60-89
Days
Past
Due		Nonaccrual
Loans		Accruing
Current		Total Loans
Receivable
Commercial and industrial$3,726 257 9,876 892,003 905,862 
Construction, development & other land loans241 256 399 992,084 992,980 
Commercial real estate - owner occupied906 404 7,042 1,250,670 1,259,022 
Commercial real estate - non owner occupied361 — 7,203 2,520,496 2,528,060 
Multi-family real estate— — — 421,376 421,376 
Residential 1-4 family real estate18,868 3,401 4,843 1,612,357 1,639,469 
Home equity loans/lines of credit603 349 2,703 331,413 335,068 
Consumer loans270 131 142 67,900 68,443 
Total$24,975 4,798 32,208 8,088,299 8,150,280 
Unamortized net deferred loan fees(178)
Total loans8,150,102 
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 Company reviews individually evaluated loans on nonaccrual with a net book balance of $500,000 or greater for designation as collateral dependent loans, as well as certain other loans that may still be accruing interest and/or are less than $500,000 in size that management of the Company designates as having higher risk. These loans do not share common risk characteristics and are not included within the collectively evaluated loans for determining the ACL.
The following table presents an analysis of collateral dependent loans of the Company as of March 31, 2024:
($ in thousands)Residential PropertyBusiness AssetsCommercial PropertyTotal Collateral-Dependent Loans
Commercial and industrial$— 878 — 878 
Construction, development & other land loans— 263 3,452 3,715 
Commercial real estate - owner occupied— — 8,645 8,645 
Commercial real estate - non owner occupied— — 15,444 15,444 
Residential 1-4 family real estate1,035 — — 1,035 
Home equity loans/lines of credit525 — — 525 
Total$1,560 1,141 27,541 30,242 
The following table presents an analysis of collateral dependent loans of the Company as of December 31, 2023:
($ in thousands)Residential PropertyBusiness AssetsCommercial PropertyTotal Collateral-Dependent Loans
Commercial and industrial$— 2,385 — 2,385 
Commercial real estate - owner occupied— — 1,142 1,142 
Commercial real estate - non owner occupied— — 6,121 6,121 
Home equity loans/lines of credit534 — — 534 
Total$534 2,385 7,263 10,182 

Under CECL, for collateral dependent loans, the Company has adopted the practical expedient to measure the ACL based on the fair value of collateral. The ACL is calculated on an individual loan basis based on the shortfall between the fair value of the loan's collateral, which is adjusted for liquidation costs/discounts, and amortized cost. If the fair value of the collateral exceeds the amortized cost, no allowance is required.

The Company's policy is to obtain third-party appraisals on any significant pieces of collateral. For loans secured by real estate, the Company's policy is to write nonaccrual loans down to 90% of the appraised value, which considers estimated selling costs that are usually incurred when disposing of real estate collateral. For real estate collateral that is in industries which may be undergoing heightened stress due to economic or other external factors, the Company may reduce the collateral values by an additional 10-25% of appraised value to recognize additional discounts that are estimated to be incurred in a near-term sale. For non-real estate collateral secured loans, the Company generally writes nonaccrual loans down to 75% of the appraised value, which provides for selling costs and liquidity discounts that are usually incurred when disposing of non real estate collateral. For reviewed loans that are not on nonaccrual basis, the Company assigns a specific allowance based on the parameters noted above.

The following tables presents the activity in the ACL on loans for each of the periods indicated. Fluctuations in the ACL each period are based on loan mix and growth, changes in the levels of nonperforming loans, economic forecasts impacting loss drivers, other assumptions and inputs to the CECL model, and as occurred in 2023, adjustments for acquired loan portfolios. The change to the level of ACL during the three months ended March 31, 2024 was determined based primarily on updated economic forecasts, which are a key assumption in the CECL model and which indicated a continued deterioration of the commercial real estate index, thus projecting a higher allowance for credit losses balance, partially offset by reductions in loan balances during the period.

($ in thousands)Beginning balanceCharge-offsRecoveriesProvisions / (Reversals)Ending balance
As of and for the three months ended March 31, 2024
Commercial and industrial$21,227 (1,585)243 409 20,294 
Construction, development & other land loans13,940 (79)97 (2,175)11,783 
Commercial real estate - owner occupied18,218 (58)4 (1)18,163 
Commercial real estate - non owner occupied24,916 (158)2 1,492 26,252 
Multi-family real estate3,825 — — 597 4,422 
Residential 1-4 family real estate21,396 — 121 1,187 22,704 
Home equity loans/lines of credit3,339 — 5 (8)3,336 
Consumer loans2,992 (235)57 299 3,113 
Total$109,853 (2,115)529 1,800 110,067 
($ in thousands)Beginning balanceInitial ACL for acquired PCD loansCharge-offsRecoveriesProvisions / (Reversals)Ending balance
As of and for the year ended December 31, 2023
Commercial and industrial$17,718 5,197 (8,358)1,393 5,277 21,227 
Construction, development & other land loans15,128 49 (120)370 (1,487)13,940 
Commercial real estate - owner occupied14,972 191 (144)465 2,734 18,218 
Commercial real estate - non owner occupied22,780 51 (235)737 1,583 24,916 
Multi-family real estate2,957 — — 13 855 3,825 
Residential 1-4 family real estate11,354 113 (4)377 9,556 21,396 
Home equity loans/lines of credit3,158 8 (309)98 384 3,339 
Consumer loans2,900 1 (1,005)248 848 2,992 
Total$90,967 5,610 (10,175)3,701 19,750 109,853 

($ in thousands)Beginning balanceInitial ACL for acquired PCD loansCharge-offsRecoveriesProvisions / (Reversals)Ending balance
As of and for the three months ended March 31, 2023
Commercial and industrial$17,718 5,197 (2,177)274 2,061 23,073 
Construction, development & other land loans15,128 49 — 65 3,744 18,986 
Commercial real estate - owner occupied14,972 191 — 36 883 16,082 
Commercial real estate - non owner occupied22,780 51 (235)394 3,000 25,990 
Multi-family real estate2,957 — — 4 243 3,204 
Residential 1-4 family real estate11,354 113 — 146 672 12,285 
Home equity loans/lines of credit3,158 8 (2)34 283 3,481 
Consumer loans2,900 1 (207)36 565 3,295 
Total$90,967 5,610 (2,621)989 11,451 106,396 
Credit Quality Indicators
The Company tracks credit quality based on its internal risk ratings. Upon origination, a loan is assigned an initial risk grade, which is generally based on several factors such as the borrower’s credit score, the loan-to-value ratio, the debt-to-income ratio, etc. Loans that are risk-graded as substandard during the origination process are declined. After loans are initially graded, they are monitored regularly for credit quality based on many factors, such as payment history, the borrower’s financial status, and changes in collateral value. Loans can be downgraded or upgraded depending on management’s evaluation of these factors. Internal risk-grading policies are consistent throughout each loan type.
The following describes the Company’s internal risk grades in ascending order of likelihood of loss:
Risk GradeDescription
Pass:
1Loans with virtually no risk, including cash secured loans.
2Loans with documented significant overall financial strength.  These loans have minimum chance of loss due to the presence of multiple sources of repayment – each clearly sufficient to satisfy the obligation.
3Loans with documented satisfactory overall financial strength.  These loans have a low loss potential due to presence of at least two clearly identified sources of repayment – each of which is sufficient to satisfy the obligation under the present circumstances.
4Loans to borrowers with acceptable financial condition.  These loans could have signs of minor operational weaknesses, lack of adequate financial information, or loans supported by collateral with questionable value or marketability.  
5Loans that represent above average risk due to minor weaknesses and warrant closer scrutiny by management.  Collateral is generally required and believed to provide reasonable coverage with realizable liquidation values in normal circumstances.  Repayment performance is satisfactory.
P
(Pass)		Consumer loans that are of satisfactory credit quality with borrowers who exhibit good personal credit history, average personal financial strength and moderate debt levels.  These loans generally conform to Bank policy, but may include approved mitigated exceptions to the guidelines.  
Special Mention:
6Existing loans with defined weaknesses in primary source of repayment that, if not corrected, could cause a loss to the Bank.
Classified:
7An existing loan inadequately protected by the current sound net worth and paying capacity of the obligor or the collateral pledged, if any.  These loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.
8Loans that have a well-defined weakness that make the collection or liquidation in full highly questionable and improbable.  Loss appears imminent, but the exact amount and timing is uncertain.
9Loans that are considered uncollectible and are in the process of being charged-off.  This grade is a temporary grade assigned for administrative purposes until the charge-off is completed.
F
(Fail)		Consumer loans with a well-defined weakness, such as exceptions of any kind with no mitigating factors, history of paying outside the terms of the note, insufficient income to support the current level of debt, etc.

In the tables that follow, substantially all of the "Classified" loans have grades of 7 or Fail, with those categories having similar levels of risk.

The tables below present the Company’s recorded investment in loans by credit quality indicators by year of origination or renewal as of the periods indicated. Acquired loans are presented in the year originated, not in the year of acquisition.
Term Loans by Year of Origination
($ in thousands)20242023202220212020PriorRevolvingTotal
As of March 31, 2024
Commercial and industrial
Pass$25,321 106,744 143,282 99,028 79,075 110,534 287,258 851,242 
Special Mention— 86 50 1,877 156 1,932 3,114 7,215 
Classified50 84 2,655 617 767 8,967 1,026 14,166 
Total commercial and industrial25,371 106,914 145,987 101,522 79,998 121,433 291,398 872,623 
Gross charge-offs, YTD— — 255 — 121 215 994 1,585 
Construction, development & other land loans
Pass32,667 317,237 292,169 91,160 29,049 58,583 77,377 898,242 
Special Mention— 377 891 — 158 3,931 16 5,373 
Classified1 — 390 — 67 143 — 601 
Total construction, development & other land loans32,668 317,614 293,450 91,160 29,274 62,657 77,393 904,216 
Gross charge-offs, YTD— 79 — — — — — 79 
Commercial real estate - owner occupied
Pass14,382 136,686 234,302 247,327 186,254 367,230 15,762 1,201,943 
Special Mention— 740 3,939 4,454 296 12,373 — 21,802 
Classified— 73 1,477 1,549 1,206 10,652 57 15,014 
Total commercial real estate - owner occupied14,382 137,499 239,718 253,330 187,756 390,255 15,819 1,238,759 
Gross charge-offs, YTD— — — — — 58 — 58 
Commercial real estate - non owner occupied
Pass18,100 223,154 615,013 703,015 304,502 605,654 28,277 2,497,715 
Special Mention— — 161 — — 17,805 1,450 19,416 
Classified— — — 658 4,233 2,199 — 7,090 
Total commercial real estate - non owner occupied18,100 223,154 615,174 703,673 308,735 625,658 29,727 2,524,221 
Gross charge-offs, YTD— — — — — 158 — 158 
Multi-family real estate
Pass8,262 25,784 118,826 168,105 65,299 46,319 23,876 456,471 
Special Mention— — — — — 671 — 671 
Classified— — — — — — — — 
Total multi-family real estate8,262 25,784 118,826 168,105 65,299 46,990 23,876 457,142 
Gross charge-offs, YTD— — — — — — — — 
Residential 1-4 family real estate
Pass91,863 275,322 417,272 302,005 179,607 404,016 3,171 1,673,256 
Special Mention— — — 31 63 1,471 — 1,565 
Classified262 — — 462 1,194 7,434 — 9,352 
Total residential 1-4 family real estate92,125 275,322 417,272 302,498 180,864 412,921 3,171 1,684,173 
Gross charge-offs, YTD— — — — — — — — 
Home equity loans/lines of credit
Pass233 2,481 833 533 290 2,614 313,602 320,586 
Special Mention— — — 122 — 165 17 304 
Classified— — — 93 91 285 7,107 7,576 
Total home equity loans/lines of credit233 2,481 833 748 381 3,064 320,726 328,466 
Gross charge-offs, YTD— — — — — — — — 
Consumer loans
Pass4,366 14,673 11,269 4,156 1,833 753 29,307 66,357 
Special Mention— — — — — — — — 
Classified134 23 38 43 — 35 36 309 
Total consumer loans4,500 14,696 11,307 4,199 1,833 788 29,343 66,666 
Gross charge-offs, YTD— 4 16 2 — — 213 235 
Total loans$195,641 1,103,464 1,842,567 1,625,235 854,140 1,663,766 791,453 8,076,266 
Unamortized net deferred loan fees240 
Total loans, net of deferred loan fees8,076,506 
Total gross charge-offs, year to date$— 83 271 2 121 431 1,207 2,115 
Term Loans by Year of Origination
($ in thousands)20232022202120202019PriorRevolvingTotal
As of December 31, 2023
Commercial and industrial
Pass$136,735 161,131 111,069 75,312 38,495 60,626 302,684 886,052 
Special Mention2,832 2,547 167 185 448 672 1,135 7,986 
Classified1,626 1,152 720 1,389 1,647 4,487 803 11,824 
Total commercial and industrial141,193 164,830 111,956 76,886 40,590 65,785 304,622 905,862 
Gross charge-offs, YTD171 1,036 713 537 821 1,547 3,533 8,358 
Construction, development & other land loans
Pass563,998 231,450 90,374 16,662 11,598 5,816 70,852 990,750 
Special Mention489 273 59 — 2 4 19 846 
Classified657 708 — — 8 11 — 1,384 
Total construction, development & other land loans565,144 232,431 90,433 16,662 11,608 5,831 70,871 992,980 
Gross charge-offs, YTD— — — — — 120 — 120 
Commercial real estate - owner occupied
Pass210,449 323,852 299,135 196,343 92,452 86,784 23,198 1,232,213 
Special Mention338 2,533 271 817 5,755 2,253 — 11,967 
Classified4,456 1,505 1,721 895 2,288 3,904 73 14,842 
Total commercial real estate - owner occupied215,243 327,890 301,127 198,055 100,495 92,941 23,271 1,259,022 
Gross charge-offs, YTD— — 49 — — 92 3 144 
Commercial real estate - non owner occupied
Pass509,596 748,854 722,472 287,235 119,515 84,690 29,001 2,501,363 
Special Mention11,353 199 36 393 1,183 5,942 342 19,448 
Classified871 32 14 4,214 634 1,484 — 7,249 
Total commercial real estate - non owner occupied521,820 749,085 722,522 291,842 121,332 92,116 29,343 2,528,060 
Gross charge-offs, YTD— — 235 — — — — 235 
Multi-family real estate
Pass57,378 137,533 139,879 43,881 12,231 10,323 20,151 421,376 
Special Mention— — — — — — — — 
Classified— — — — — — — — 
Total multi-family real estate57,378 137,533 139,879 43,881 12,231 10,323 20,151 421,376 
Gross charge-offs, YTD— — — — — — — — 
Residential 1-4 family real estate
Pass363,410 400,483 317,515 186,459 94,567 260,102 3,247 1,625,783 
Special Mention681 41 202 64 587 1,987 — 3,562 
Classified1,848 50 474 741 472 6,539 — 10,124 
Total residential 1-4 family real estate365,939 400,574 318,191 187,264 95,626 268,628 3,247 1,639,469 
Gross charge-offs, YTD— — — — — 4 — 4 
Home equity loans/lines of credit
Pass2,830 1,136 1,141 223 499 1,233 319,199 326,261 
Special Mention163 — 122 — — — 18 303 
Classified255 — 146 91 112 10 7,890 8,504 
Total home equity loans/lines of credit3,248 1,136 1,409 314 611 1,243 327,107 335,068 
Gross charge-offs, YTD— — — — — — 309 309 
Consumer loans
Pass16,497 12,906 4,999 2,173 432 429 30,757 68,193 
Special Mention— — — — — — — — 
Classified130 7 45 — 3 34 31 250 
Total consumer loans16,627 12,913 5,044 2,173 435 463 30,788 68,443 
Gross charge-offs, YTD34 79 73 23 — 1 795 1,005 
Total loans$1,886,592 2,026,392 1,690,561 817,077 382,928 537,330 809,400 8,150,280 
Unamortized net deferred loan fees(178)
Total loans, net of deferred loan fees8,150,102 
Total gross charge-offs, year to date$205 1,115 1,070 560 821 1,764 4,640 10,175 
Loan Modifications to Borrowers Experiencing Financial Difficulty
Occasionally, the Company modifies loans to borrowers in financial distress as a part of our loss mitigation activities. Various types of modification may be offered including principal forgiveness, term extension, payment delays, or interest rate reductions. In some cases, the Company will modify a certain loan by providing multiple types of concessions. Typically, one type of concession, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another concession may be granted. For loans included in the “combination” columns below, multiple types of modifications have been made on the same loan within the current reporting period.

The followings tables present the amortized cost basis at March 31, 2024 and March 31, 2023 of the loans modified during the three months then ended for borrowers experiencing financial difficulty, by loan category and type of concession granted.

($ in thousands)Payment DelayTerm ExtensionCombination - Term Extension and Payment DelayCombination - Interest Rate Reduction and Term ExtensionTotalPercent of Total Class of Loans
As of and for the three months ended March 31, 2024
Commercial and industrial$114 — 878 — 992 0.11 %
Commercial real estate - non owner occupied— 115 — — 115 — %
Home equity loans/lines of credit— 47 — 179 226 0.07 %
Total$114 162 878 179 1,333 0.02 %
($ in thousands)Payment DelayTerm ExtensionCombination - Interest Rate Reduction and Term ExtensionTotalPercent of Total Class of Loans
As of and for the three months ended March 31, 2023
Commercial and industrial$156 1,442 — 1,598 0.18 %
Construction, development & other land loans— 130 14 144 0.01 %
Commercial real estate - non owner occupied— 104 — 104 — %
Residential 1-4 family real estate— 48 — 48 — %
Home equity loans/lines of credit— 103 — 103 0.03 %
Consumer loans— 228 — 228 0.34 %
Total$156 2,055 14 2,225 0.03 %
For the three months ended March 31, 2024 and March 31, 2023, there were no modifications for borrowers experiencing financial difficulty with principal forgiveness concessions.
The following table describes the financial effect for the three months ended March 31, 2024 of the modifications made for borrowers experiencing financial difficulty:
Financial Effect of Modification to Borrowers Experiencing Financial Difficulty
Weighted Average Interest Rate ReductionWeighted Average Payment Delay
(in months)		Weighted Average Term Extension
(in months)
For the three months ended March 31, 2024
Commercial and industrial—%3612
Commercial real estate - non owner occupied—%013
Home equity loans/lines of credit2.09%032
The following table describes the financial effect for the three months ended March 31, 2023 of the modifications made for borrowers experiencing financial difficulty:
Financial Effect of Modification to Borrowers Experiencing Financial Difficulty
Weighted Average Interest Rate ReductionWeighted Average Payment Delay
(in months)		Weighted Average Term Extension
(in months)
For the three months ended March 31, 2023
Commercial and industrial—%46
Construction, development & other land loans1.50%011
Commercial real estate - non owner occupied—%012
Residential 1-4 family real estate—%014
Home equity loans/lines of credit—%046
Consumer loans—%03
The Company closely monitors the performance of the loans that are modified for borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table depicts the performance of loans that have been modified in the last 12 months as of March 31, 2024:
Payment Status (Amortized Cost Basis)
($ in thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past Due
Commercial and industrial$2,186 69 — — 
Construction, development & other land loans131 — — — 
Commercial real estate - owner occupied4,378 — — — 
Commercial real estate - non owner occupied115 — — — 
Residential 1-4 family real estate595 76 — — 
Home equity loans/lines of credit3,111 — — — 
Consumer loans3 — — — 
$10,519 145 — — 
The following table depicts the performance of loans that have been modified in the last 12 months as of December 31, 2023:
Payment Status (Amortized Cost Basis)
($ in thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past Due
Commercial and industrial$2,841 — — — 
Construction, development & other land loans362 — — — 
Commercial real estate - owner occupied4,455 — — — 
Commercial real estate - non owner occupied206 — — — 
Residential 1-4 family real estate656 79 — — 
Home equity loans/lines of credit3,114 — — — 
Consumer loans6 — — — 
$11,640 79 — — 
None of the modifications made for borrowers experiencing financial difficulty during the three months ended March 31, 2024 and March 31, 2023 are considered to have had a payment default.
Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the ACL is adjusted by the same amount.
Concentration of Credit Risk
Most of the Company's business activity is with customers located within the markets where it has banking operations. Therefore, the Company’s exposure to credit risk is significantly affected by changes in the economy within its markets. Approximately 88% of the Company's loan portfolio is secured by real estate and is therefore susceptible to changes in real estate valuations. There have been no material changes to the primary loan markets (as identified by counties) from year end.
Allowance for Unfunded Loan Commitments
In addition to the ACL on loans, the Company maintains an allowance for lending-related commitments such as unfunded loan commitments and letters of credit. The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The allowance for lending-related commitments on off-balance sheet credit exposures is adjusted as a provision for unfunded commitments expense. The estimate includes consideration of the likelihood that funding will occur, which is based on a historical funding study derived from internal information, and an estimate of expected credit losses on commitments expected to be funded over its estimated life, which are the same loss rates that are used in computing the ACL on loans. The allowance for unfunded loan commitments of $10.8 million and $11.4 million at March 31, 2024 and December 31, 2023, respectively, were separately classified on the consolidated balance sheets within "Other liabilities."
The following table presents the balance and activity in the allowance for unfunded loan commitments for the three months ended March 31, 2024 and 2023 and for the twelve months ended December 31, 2023:
($ in thousands)March 31, 2024December 31, 2023March 31, 2023
Beginning balance$11,369 13,306 13,306 
Initial provision for credit losses on unfunded commitments acquired from GrandSouth— 1,921 1,921 
Charge-offs— — — 
Recoveries— — — 
Reversal of provision for unfunded commitments(601)(3,858)(870)
Ending balance$10,768 11,369 14,357 

Allowance for Credit Losses - Securities Held to Maturity
The ACL for securities held to maturity was insignificant at March 31, 2024 and December 31, 2023.
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Goodwill and Other Intangible Assets
 3 Months Ended
Mar. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]  
Goodwill and Other Intangible Assets Goodwill and Other Intangible Assets
The following is a summary of the gross carrying amount and accumulated amortization of amortizable intangible assets and the carrying amount of unamortized intangible assets as of the periods presented.
March 31, 2024December 31, 2023
($ in thousands)Gross Carrying
Amount		Accumulated
Amortization		Net AmountGross Carrying
Amount		Accumulated
Amortization		Net Amount
Amortizable intangible assets:
Customer lists$2,700 2,247 453 2,700 2,167 533 
Core deposit intangibles57,890 30,605 27,285 57,890 28,932 28,958 
Other intangibles100 89 11 100 83 17 
Intangibles before servicing assets60,690 32,941 27,749 60,690 31,182 29,508 
SBA servicing assets14,190 11,053 3,137 13,966 10,616 3,350 
Total amortizable intangible assets$74,880 43,994 30,886 74,656 41,798 32,858 
Unamortizable intangible assets:
Goodwill$478,750 478,750 
Customer lists are generally amortized over five years and core deposit intangibles are generally amortized over 10 years, both at an accelerated rate.
Amortization expense of all other intangible assets, excluding the SBA servicing assets, totaled $1.8 million and $2.1 million for the three months ended March 31, 2024 and 2023, respectively.
During the three months ended March 31, 2024 and 2023, the Company recorded $0.7 million and $1.0 million, respectively in SBA guaranteed servicing fee income. There was no impairment of SBA servicing assets at March 31, 2024 and December 31, 2023 and no significant changes in fair value assumptions from year end.
The following table presents the changes in the SBA servicing assets and SBA servicing income for the three months ended March 31, 2024 and 2023.
Three months ended March 31,
20242023
Beginning balance, net$3,350 4,004 
Add: New servicing assets224 77 
Less: Amortization expense and impairment charges437 184 
Ending balance, net$3,137 3,897 
Goodwill is evaluated for impairment on at least an annual basis, with the annual evaluation occurring as of October 31 of each year. Goodwill is also evaluated for impairment any time there is a triggering event indicating that impairment may have occurred. No triggering events were identified during 2024 to date and, therefore, the Company did not perform interim impairment evaluations. The Company's most recent evaluation of goodwill, which occurred in the fourth quarter of 2023, indicated that there was no goodwill impairment. There was no change to carrying amounts of goodwill during the first quarter of 2024.
The following table presents the estimated amortization expense schedule related to acquisition-related amortizable intangible assets, excluding the SBA servicing assets. These amounts will be recorded as "Intangibles amortization expense" within the noninterest expense section of the consolidated statements of income. These estimates are subject to change in future periods to the extent management determines it is necessary to make adjustments to the carrying value or estimated useful lives of amortized intangible assets.
($ in thousands)Estimated Amortization
Expense
April 1, 2024 to December 31, 2024$4,844 
20255,672 
20264,705 
20273,951 
20283,197 
Thereafter5,380 
Total$27,749 
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Borrowings
 3 Months Ended
Mar. 31, 2024
Debt Disclosure [Abstract]  
Borrowings Borrowings
The following tables present information regarding the Company’s outstanding borrowings at March 31, 2024 and December 31, 2023 (dollars in thousands):
DescriptionDue dateCall FeatureBalance at March 31, 2024Interest Rate
FHLB Principal Reducing Credit6/26/2028None$200 
0.25% fixed
FHLB Principal Reducing Credit7/17/2028None29 
0.00% fixed
FHLB Principal Reducing Credit8/18/2028None148 
1.00% fixed
FHLB Principal Reducing Credit8/22/2028None149 
1.00% fixed
FHLB Principal Reducing Credit12/20/2028None312 
0.50% fixed
FRB Bank Term Funding Program12/20/2024None174,000 
4.85% fixed
FRB Bank Term Funding Program12/27/2024None25,000 
4.83% fixed
FRB Bank Term Funding Program1/10/2025None32,000 
4.81% fixed
Trust Preferred Securities1/23/2034Quarterly by Company
beginning 1/23/2009		10,310 
8.23% at 3/31/24 adjustable rate 3 month CME Term SOFR+ 2.91%
Trust Preferred Securities1/23/2034Quarterly by Company
beginning 1/23/2009		10,310 
 8.33% at 3/31/24 adjustable rate 3 month CME Term SOFR + 3.01%
Trust Preferred Securities9/20/2034Quarterly by Company
beginning 9/20/2009		12,372 
7.74% at 3/31/24 adjustable rate 3 month CME Term SOFR + 2.41%
Trust Preferred Securities1/7/2035Quarterly by Company
beginning 1/7/2010		10,310 
7.58% at 3/31/24 adjustable rate 3 month CME Term SOFR + 2.00%
Trust Preferred Securities6/15/2036Quarterly by Company
beginning 6/15/2011		25,774 
6.98% at 3/31/24 adjustable rate 3 month CME Term SOFR + 1.65%
Trust Preferred Securities6/23/2036Quarterly by the Company beginning 6/23/20118,248 
7.43% at 3/31/24 adjustable rate 3 month CME Term SOFR + 2.11%
Subordinated Debentures11/30/2028Continuous by Company beginning 11/30/202310,000 
8.99% at 3/31/24 adjustable rate 3 month CME Term SOFR + 3.69%
Subordinated Debentures11/15/2030Continuous by Company beginning 11/15/202518,000 
4.38% fixed
Total borrowings / weighted average rate as of March 31, 2024
337,162 5.56%
Unamortized discount on acquired borrowings(4,827)
Total borrowings$332,335 
DescriptionDue dateCall FeatureBalance at December 31, 2023Interest Rate
FHLB Principal Reducing Credit6/26/2028None$203 
0.25% fixed
FHLB Principal Reducing Credit7/17/2028None31 
0.00% fixed
FHLB Principal Reducing Credit8/18/2028None151 
1.00% fixed
FHLB Principal Reducing Credit8/22/2028None151 
1.00% fixed
FHLB Principal Reducing Credit12/20/2028None315 
0.50% fixed
FHLB Fixed Rate Credit1/16/2024None80,000 
5.59% fixed
FHLB Fixed Rate Credit2/27/2024None100,000 
5.61% fixed
FHLB Fixed Rate Credit3/20/2024None100,000 
5.61% fixed
FRB Bank Term Funding Program12/20/2024None224,000 
4.85% fixed
FRB Bank Term Funding Program12/27/2024None25,000 
4.83% fixed
Trust Preferred Securities1/23/2034Quarterly by Company
beginning 1/23/2009		10,310 
8.30% at 12/31/23 adjustable rate 3 month CME Term SOFR + 2.91%
Trust Preferred Securities1/23/2034Quarterly by Company
beginning 1/23/2009		10,310 
 8.40% at 12/31/23 adjustable rate 3 month CME Term SOFR + 3.01%
Trust Preferred Securities9/20/2034Quarterly by Company
beginning 9/20/2009		12,372 
7.78% at 12/31/23 adjustable rate 3 month CME Term SOFR + 2.41%
Trust Preferred Securities1/7/2035Quarterly by Company
beginning 1/7/2010		10,310 
7.66% at 12/31/23 adjustable rate 3 month CME Term SOFR + 2.00%
Trust Preferred Securities6/15/2036Quarterly by Company
beginning 6/15/2011		25,774 
7.04% at 12/31/23 adjustable rate 3 month CME Term SOFR + 1.65%
Trust Preferred Securities6/23/2036Quarterly by Company beginning 6/23/20118,248 
7.47% at 12/31/23 adjustable rate 3 month CME Term SOFR + 2.11%
Subordinated Debentures11/30/2028Continuous by Company beginning 11/30/202310,000 
9.09% at 12/31/23 adjustable rate 3 month CME Term SOFR + 3.69%
Subordinated Debentures11/15/2030Continuous by Company beginning 11/15/202518,000 
4.38% fixed
Total borrowings / weighted average rate as of December 31, 2023
635,175 5.57%
Unamortized discount on acquired borrowings(5,017)
Total borrowings$630,158 
XML 26 R15.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Leases
 3 Months Ended
Mar. 31, 2024
Lessee Disclosure [Abstract]  
Leases Leases
The Company enters into leases in the normal course of business. As of March 31, 2024, the Company leased 16 bank branch offices for which the land and buildings are leased and ten branch offices for which the land is leased but the buildings are owned. The Company also leases office space for several operational departments. The lease agreements have maturity dates ranging from July 2024 through May 2076, some of which include options for multiple five- and ten-year extensions. The weighted average remaining life of the lease term for these leases was 19.9 years as of March 31, 2024. Certain of the Company's lease agreements include variable lease payments based on changes in inflation, with the impact of that factor being insignificant to the Company's total lease expense. As permitted by applicable accounting standards, the Company has elected not to recognize leases with original lease terms of twelve months or less (short-term leases) on the Company's consolidated balance sheets. The short-term lease cost for each period presented was insignificant.
Leases are classified as either operating or finance leases at the lease commencement date and all of the Company's leases have been determined to be operating leases. Lease expense for operating leases and short-term leases is recognized on a straight-line basis over the applicable lease term. Right-of-use assets represent the Company's right to use an underlying asset for the lease term and lease liabilities represent the Company's obligation to make lease payments arising from the lease. Right-of-use assets and lease liabilities are recognized at the lease commencement date based on the estimated present value of lease payments over the lease term.
The Company uses its incremental borrowing rate, on a collateralized basis, at lease commencement to calculate the present value of lease payments when the rate implicit in the lease is not known. The weighted average discount rate for leases was 3.22% and 3.19% as of March 31, 2024 and December 31, 2023, respectively.
The right-of-use assets and lease liabilities were $16.6 million and $17.3 million as of March 31, 2024, respectively, and were $17.1 million and $17.8 million as of December 31, 2023, respectively.
Total operating lease expenses were $0.7 million and $0.8 million for the three months ended March 31, 2024 and 2023, respectively.
Future undiscounted lease payments for operating leases with initial terms of greater than one year as of March 31, 2024 are as follows:
($ in thousands)
April 1, 2024 to December 31, 2024$1,813 
20251,914 
20261,633 
20271,359 
20281,267 
Thereafter17,222 
Total undiscounted lease payments25,208 
Less effect of discounting(7,865)
Present value of estimated lease payments (lease liability)$17,343 
XML 27 R16.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Pension Plans
 3 Months Ended
Mar. 31, 2024
Retirement Benefits [Abstract]  
Pension Plans Pension Plans
The Company sponsors a Supplemental Executive Retirement Plan (the “SERP”) which was historically for the benefit of certain senior management executives of the Company. Effective December 31, 2012, the Company froze the SERP for all participants. Although no previously accrued benefits were lost, no additional accruals of benefits under this plan for service subsequent to 2012 have been made.
During 2023, the Company terminated its qualified retirement plan (the "Pension Plan") which had previously been available to all employees, although the Pension Plan had been frozen with accrual of benefits discontinued in 2012. In the fourth quarter of 2023, the Pension Plan settled benefits through lump-sum payments of approximately $9.2 million to eligible participants electing that option and purchased annuity contracts from One America (the "Insurer") which irrevocably transferred to the Insurer approximately $19.5 million of the Pension Plan's obligations and related assets, thereby reducing the Pension Plan's obligations at December 31, 2023 to zero. The Insurer will administer all future payments to remaining participants of the Pension Plan.
The Company recorded periodic pension cost totaling $63,000 and $51,000 for the three months ended March 31, 2024 and 2023, respectively. The following table contains the components of the pension cost:
Three Months Ended March 31, 2024
($ in thousands)SERP
Service cost$— 
Interest cost38 
Expected return on plan assets— 
Amortization of net loss25 
Net periodic pension cost$63 
 Three Months Ended March 31, 2023
($ in thousands)Pension PlanSERPTotal Both Plans
Service cost$— — — 
Interest cost267 28 295 
Expected return on plan assets(288)— (288)
Amortization of net loss (gain)180 (136)44 
Net periodic pension cost$159 (108)51 

The service cost component of net periodic pension cost is included in salaries and benefits expense and all other components of net periodic pension cost are included in other noninterest expense.
The Company’s funding policy with respect to the SERP is to fund the related benefits from the operating cash flow of the Company.
XML 28 R17.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Fair Value of Financial Instruments
 3 Months Ended
Mar. 31, 2024
Fair Value Disclosures [Abstract]  
Fair Value of Financial Instruments Fair Value of Financial Instruments
Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal and most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair value:
Level 1: Quoted prices (unadjusted) of identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.
Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.
The following table summarizes the Company’s financial instruments that were measured at fair value on a recurring and nonrecurring basis at March 31, 2024:
($ in thousands)

Description of Financial Instruments
Fair Value at March 31, 2024Quoted Prices in Active Markets for Identical Assets
(Level 1)		Significant Other
Observable Inputs
(Level 2)		Significant
Unobservable Inputs
(Level 3)
Recurring
Securities available for sale:
U.S. Treasury$123,770 — 123,770 — 
Government-sponsored enterprise securities59,959 — 59,959 — 
Mortgage-backed securities1,886,949 — 1,886,949 — 
Corporate bonds17,805 — 17,805 — 
Total available for sale securities$2,088,483 — 2,088,483 — 
Derivative financial assets$— — — — 
Presold mortgages in process of settlement$6,703 — 6,703 — 
Derivative financial liabilities$30 — 30 — 
Nonrecurring
Individually evaluated loans$4,638 — — 4,638 
The following table summarizes the Company’s financial instruments that were measured at fair value on a recurring and nonrecurring basis at December 31, 2023:
($ in thousands)

Description of Financial Instruments
Fair Value at December 31, 2023Quoted Prices in Active Markets for Identical Assets
(Level 1)		Significant Other
Observable Inputs
(Level 2)		Significant
Unobservable
Inputs
(Level 3)
Recurring
Securities available for sale:
US Treasury securities$172,570 — 172,570 — 
Government-sponsored enterprise securities60,266 — 60,266 — 
Mortgage-backed securities1,937,784 — 1,937,784 — 
Corporate bonds18,759 — 18,759 — 
Total available for sale securities$2,189,379 — 2,189,379 — 
Derivative financial assets$295 — 295 — 
Presold mortgages in process of settlement$2,667 — 2,667 — 
Derivative financial liabilities$349 — 349 — 
Nonrecurring
Individually evaluated loans$1,953 — — 1,953 
The following is a description of the valuation methodologies used for financial instruments measured at fair value.
Securities Available for Sale — When quoted market prices are available in an active market, the securities are classified as Level 1 in the valuation hierarchy. If quoted market prices are not available, but fair values can be estimated by observing quoted prices of securities with similar characteristics, the securities are classified as Level 2 on the valuation hierarchy. Most of the fair values for the Company’s Level 2 securities are determined by the Company's third-party bond accounting provider using matrix pricing. Matrix pricing is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities. For the Company, Level 2 securities include mortgage-backed securities, commercial mortgage-backed obligations, government-sponsored enterprise securities, and corporate bonds. In cases where Level 1 or Level 2 inputs are not available, securities may be classified within Level 3 of the hierarchy.
The Company reviews the pricing methodologies utilized by the bond accounting provider to ensure the fair value determination is consistent with the applicable accounting guidance and that the investments are properly classified in the fair value hierarchy.
Presold Mortgages in Process of Settlement - The fair value is based on the committed price that an investor has agreed to pay for the loan which is considered a Level 2 input.
Derivative financial assets and liabilities - The fair values of interest rate swaps are determined using the market standard methodology of netting the discounted future fixed cash receipts (or payments) and the discounted expected variable cash payments (or receipts). The variable cash payments (or receipts) are based on an expectation of future interest rates (forward curves) derived from observable market interest rate curves. These are considered a Level 2 input.
Individually evaluated loans — Fair values for individually evaluated loans are measured on a non-recurring basis and are based on the underlying collateral values securing the loans, adjusted for estimated selling costs, or the net present value of the cash flows expected to be received for such loans. Collateral may be in the form of real estate or business assets including equipment, inventory and accounts receivable. The vast majority of the collateral is real estate. The value of real estate collateral is generally determined by third-party appraisers using an income or market valuation approach based on an appraisal conducted by an independent, licensed third party appraiser (Level 3). The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable borrower’s financial statements if not considered significant. Likewise, values for inventory and accounts receivable collateral are based on borrower financial statement balances or aging reports on a discounted basis as appropriate (Level 3). Appraisals used in this analysis are generally obtained at least annually based on when the loans
first became impaired, and thus the appraisals are not necessarily as of the period ends presented. Any fair value adjustments are recorded in the period incurred as provision for credit losses on the consolidated statements of income.
For Level 3 assets and liabilities measured at fair value on a non-recurring basis as of March 31, 2024, the significant unobservable inputs used in the fair value measurements were as presented in the tables below:
($ in thousands)Fair Value at March 31, 2024Valuation
Technique		Significant Unobservable
Inputs		Range (Weighted Average)
Individually evaluated loans - collateral-dependent$4,638 Appraised valueDiscounts applied for estimated costs to sell10%
For Level 3 assets and liabilities measured at fair value on a non-recurring basis as of December 31, 2023, the significant unobservable inputs used in the fair value measurements were as follows:
($ in thousands)Fair Value at December 31, 2023Valuation
Technique		Significant Unobservable
Inputs		Range (Weighted Average)
Individually evaluated loans - collateral-dependent$1,953 Appraised valueDiscounts applied for estimated costs to sell10%

In the above tables, weighted average discounts were calculated on relative fair value for underlying loans based on the range of discount rates applied. The discount applied for estimated costs to sell collateral on individually evaluated loans was 10%.
The carrying amounts and estimated fair values of financial instruments not carried at fair value at March 31, 2024 and December 31, 2023 were as follows:
  March 31, 2024December 31, 2023
($ in thousands)Level in Fair
Value
Hierarchy		Carrying
Amount		Estimated
Fair Value		Carrying
Amount		Estimated
Fair Value
Cash and due from banks, noninterest-bearingLevel 1$87,181 87,181 100,891 100,891 
Due from banks, interest-bearingLevel 1266,661 266,661 136,964 136,964 
Securities held to maturityLevel 2525,627 436,655 533,678 449,623 
Total loans, net of allowanceLevel 37,966,439 7,198,019 8,040,249 7,379,079 
Accrued interest receivableLevel 135,147 35,147 37,351 37,351 
Bank-owned life insuranceLevel 1185,061 185,061 183,897 183,897 
SBA Servicing AssetLevel 33,137 3,984 3,351 4,049 
Demand deposits, money market and savingsLevel 29,136,213 9,136,213 9,052,905 9,052,905 
Time depositsLevel 21,167,098 1,160,751 978,694 972,513 
BorrowingsLevel 2332,335 318,292 630,158 615,614 
Accrued interest payableLevel 19,847 9,847 5,699 5,699 
Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no highly liquid market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.
Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets and liabilities that are not considered financial assets or liabilities include net premises and equipment, intangible and other assets such as deferred income taxes, prepaid expense
accounts, income taxes currently payable, and other various accrued expenses. In addition, the income tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates.
XML 29 R18.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Stock-Based Compensation
 3 Months Ended
Mar. 31, 2024
Share-Based Payment Arrangement [Abstract]  
Stock-Based Compensation Stock-Based Compensation
The Company recorded total stock-based compensation expense of $0.7 million and $1.1 million for the three months ended March 31, 2024 and 2023, respectively, which is included in "Total personnel expense" on the accompanying consolidated statements of income. The Company recognized $153,000 and $259,000 of income tax benefits related to stock-based compensation expense in its income statement for the three months ended March 31, 2024 and 2023, respectively.
At March 31, 2024, the sole equity-based compensation plan of the Company was the First Bancorp 2014 Equity Plan (the "Equity Plan"), which was approved by shareholders on May 8, 2014. As of March 31, 2024, the Equity Plan had 191,593 shares remaining available for grant.
The Equity Plan is intended to serve as a means to attract, retain, and motivate key employees and directors and to associate the interests of the Plan's participants with those of the Company and its shareholders. The Equity Plan allows for both grants of stock options and other types of equity-based compensation, including stock appreciation rights, restricted and unrestricted stock, restricted performance stock, and performance units. For the last several years, the only equity-based compensation granted by the Company has been shares of restricted stock, as it relates to employees, and unrestricted stock as it relates to non-employee directors.
Recent restricted stock awards to employees typically include service-related vesting conditions only. Compensation expense for these grants is recorded over the requisite service periods. Upon forfeiture, any previously recognized compensation cost is reversed. Upon a change in control (as defined in the Equity Plan), unless the awards remain outstanding or substitute equivalent awards are provided, the awards become immediately vested.
Certain of the Company’s equity grants contain terms that provide for a graded vesting schedule whereby portions of the award vest in increments over the requisite service period. The Company recognizes compensation expense for awards with graded vesting schedules on a straight-line basis over the requisite service period for each incremental award. Compensation expense is based on the estimated number of stock awards that will ultimately vest. Over the past five years, there have been insignificant amounts of forfeitures, and therefore the Company assumes that all awards granted with service conditions will vest. The Company recognizes forfeitures as they occur.
In addition to employee equity awards, the Company's practice is to grant unrestricted common shares to each non-employee director (currently 14 in total) in June of each year. The grants was valued at approximately $37,500 in 2023 and is expected to be the same in 2024. Compensation expense associated with these director awards is recognized on the date of the award since there are no vesting conditions.
The following table presents information regarding the activity for the first three months of 2024 related to the Company’s outstanding restricted stock awards:
Long-Term Restricted Stock Awards
Number of UnitsWeighted-Average
Grant-Date Fair Value
Nonvested at January 1, 2024291,291 $38.01 
Granted during the period13,905 35.26 
Vested during the period(10,614)41.62 
Forfeited or expired during the period— — 
Nonvested at March 31, 2024294,582 $37.31 
Total unrecognized compensation expense as of March 31, 2024 amounted to $4.6 million with a weighted average remaining term of 1.7 years. For the nonvested awards that were outstanding at March 31, 2024, the Company
expects to record $3.0 million in compensation expense in the next twelve months, $2.6 million of which is expected to be recorded in the remaining quarters of 2024.
XML 30 R19.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Earnings Per Share
 3 Months Ended
Mar. 31, 2024
Earnings Per Share [Abstract]  
Earnings Per Share Earnings Per Share
The following is a reconciliation of the numerators and denominators used in computing Basic and Diluted Earnings Per Common Share ("EPS"):
 For the Three Months Ended March 31,
 20242023
($ in thousands except per
share amounts)		Income
(Numerator)		Shares
(Denominator)		Per Share
Amount		Income
(Numerator)		Shares
(Denominator)		Per Share
Amount
Basic EPS:
Net income$25,272 $15,161 
Less: income allocated to restricted stock(178)(109)
Basic EPS per common share$25,094 40,843,865 $0.61 $15,052 40,583,417 $0.37 
Diluted EPS:
Net income $25,272 40,843,865 $15,161 40,583,417 
Effect of dilutive securities— 405,771 — 529,275 
Diluted EPS per common share$25,272 41,249,636 $0.61 $15,161 41,112,692 $0.37 
XML 31 R20.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Accumulated Other Comprehensive Income (Loss)
 3 Months Ended
Mar. 31, 2024
Equity [Abstract]  
Accumulated Other Comprehensive Income (Loss) Accumulated Other Comprehensive Income (Loss)
The components of accumulated other comprehensive income (loss) ("AOCI") for the Company are as follows:
($ in thousands)March 31, 2024December 31, 2023
Unrealized loss on securities available for sale$(418,888)(400,720)
Deferred tax asset 96,973 92,767 
Net unrealized loss on securities available for sale(321,915)(307,953)
Postretirement plans liability(75)(100)
Deferred tax asset17 23 
Net postretirement plans liability(58)(77)
Total accumulated other comprehensive loss$(321,973)(308,030)
The following tables disclose the changes in AOCI for the three months ended March 31, 2024 and 2023 (all amounts are net of tax):
For the Three Months Ended March 31, 2024
($ in thousands)Unrealized Loss on
Securities
Available for Sale		Postretirement Plans Asset
(Liability)		Total
Beginning balance$(307,953)(77)(308,030)
Other comprehensive loss before reclassifications(14,711)— (14,711)
Amounts reclassified from accumulated other comprehensive income
749 19 768 
Net current period other comprehensive (loss) income(13,962)19 (13,943)
Ending balance$(321,915)(58)(321,973)
For the Three Months Ended March 31, 2023
($ in thousands)Unrealized Loss on
Securities
Available for Sale		Postretirement Plans Asset
(Liability)		Total
Beginning balance$(342,017)42 (341,975)
Other comprehensive income before reclassifications27,908 — 27,908 
Amounts reclassified from accumulated other comprehensive income
— 33 33 
Net current period other comprehensive income27,908 33 27,941 
Ending balance$(314,109)75 (314,034)
Amounts reclassified from AOCI for unrealized gain (loss) on securities available for sale represent realized securities gains or losses, net of tax effects. There were no security sales resulting in gains or losses in any period presented. Amounts reclassified from AOCI for postretirement plans asset (liability) represent amortization of amounts included in AOCI, net of taxes, and are recorded in the "Other operating expenses" line item of the consolidated statements of income.
XML 32 R21.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Revenue from Contracts with Customers
 3 Months Ended
Mar. 31, 2024
Revenue from Contract with Customer [Abstract]  
Revenue from Contracts with Customers Revenue from Contracts with Customers
All of the Company’s revenues that are in the scope of the “Revenue from Contracts with Customers” accounting standard (“ASC 606”) are recognized within noninterest income. The following table presents the Company’s sources of noninterest income for the three months ended March 31, 2024 and 2023. Items outside the scope of ASC 606 are noted as such.
For the Three Months Ended
($ in thousands)March 31, 2024March 31, 2023
Noninterest Income in-scope of ASC 606:
Service charges on deposit accounts$3,868 3,894 
Other service charges, commissions and fees:
Bankcard interchange income, net2,314 2,582 
Other service charges and fees1,848 3,318 
Commissions from the sales of financial products1,320 1,306 
SBA consulting fees257 521 
Noninterest income (in-scope of ASC 606)9,607 11,621 
Noninterest income (out-of-scope of ASC 606)3,331 1,915 
Total noninterest income$12,938 13,536 
A description of the Company’s revenue streams accounted for under ASC 606 is detailed below.
Service Charges on Deposit Accounts: The Company earns fees from its deposit customers for transaction-based, account maintenance, and overdraft services. Overdraft fees are recognized at the point in time that the overdraft occurs. Maintenance and activity fees include account maintenance fees and transaction-based fees. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of the month, representing the period over which the Company satisfies the performance obligation. Transaction-based fees, which include services such as ATM usage fees, stop payment charges, statement rendering, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the customer’s request. Service charges on deposits are withdrawn from the customer’s account balance.
Other service charges, commissions, and fees: The Company earns interchange income on its customers’ debit and credit card usage and earns fees from other services utilized by its customers. "Bankcard interchange income" is primarily comprised of interchange fees earned whenever the Company’s debit and credit cards are processed through card payment networks such as MasterCard. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder. Interchange fees are offset with interchange expenses and are presented on a net basis. "Other service charges and fees" includes revenue from processing wire transfers, bill pay
service, cashier’s checks, ATM surcharge fees, and other services. The Company’s performance obligation for fees, exchange, and other service charges are largely satisfied, and related revenue recognized, when the services are rendered or upon completion. Payment is typically received immediately or in the following month.
Commissions from the sales of financial products: The Company earns commissions from the sale of wealth management products which primarily consist of commissions received on financial product sales, such as annuities. The Company’s performance obligation is generally satisfied upon the issuance of the financial product. Shortly after the policy is issued, the carrier remits the commission payment to the Company, and the Company recognizes the revenue. The Company also earns some fees from asset management, which is billed quarterly and due upon billing for services rendered in the most recent period, for which the performance obligation has been satisfied.
SBA Consulting fees: The Company earns fees for its consulting services related to the origination of SBA loans. Fees are based on a percentage of the dollar amount of the originated loans and are recorded when the performance obligation has been satisfied and are due upon billing.
The Company has made no significant judgments in applying the revenue guidance prescribed in ASC 606 that affect the determination of the amount and timing of revenue from the above-described contracts with customers.
XML 33 R22.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Pay vs Performance Disclosure - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Pay vs Performance Disclosure    
Net income $ 25,272 $ 15,161
XML 34 R23.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Insider Trading Arrangements
 3 Months Ended
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
XML 35 R24.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Organization and Basis of Presentation (Policies)
 3 Months Ended
Mar. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Basis of Presentation In the opinion of the Company, the accompanying unaudited consolidated financial statements contain all adjustments necessary to present fairly the consolidated financial position of the Company as of March 31, 2024, the consolidated results of operations for the three months ended March 31, 2024 and 2023, and the consolidated cash flows for the three months ended March 31, 2024 and 2023. Any such adjustments were of a normal, recurring nature. These interim financial statements should be read in conjunction with the Company's audited consolidated financial statements and notes in the 2023 Annual Report for the year ended December 31, 2023. Operating results for interim period are not necessarily indicative of the results that may be expected for the full year. Reference is made to Note 1 of the 2023 Annual Report filed with the Securities and Exchange Commission (“SEC”) for a discussion of accounting policies and other relevant information with respect to the financial statements.
Accounting Standards Adopted in 2023 and Accounting Standards Pending Adoption
Accounting Standards Adopted in 2024
Accounting Standards Update ("ASU") 2023-02, “Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method” permits reporting entities to elect to account for their tax equity investments, regardless of the tax credit program from which the income tax credits are received, using the proportional amortization method if certain conditions are met. This update is effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. The adoption of ASU 2023-02 did not have a significant impact on the Company's consolidated financial statements.
Accounting Standards Pending Adoption
ASU 2023-07, "Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures" amended existing guidance to improve disclosures about a public entity’s reportable segments and provide more detailed information about a reportable segment’s expenses. ASU 2023-07 clarifies that an entity which has a single reportable segment is to provide all the disclosures required by Topic 280 and ASU 2023-07. The amendment is effective for fiscal years beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. The adoption of ASU 2023-07 is not expected to have a significant impact on the Company's consolidated financial statements.
ASU 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures” amends existing guidance to improve the transparency of income tax disclosures, including disclosure of specific categories in the rate reconciliation, providing additional information for certain reconciling items, and providing details on income taxes paid. The amendments are effective for annual periods beginning after December 15, 2024. The adoption of ASU 2023-09 is not expected to have a significant impact on the Company's consolidated financial statements.
Other accounting standards that have been issued or proposed by the Financial Accounting Standards Board ("FASB") or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.
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Acquisitions (Tables)
 3 Months Ended
Mar. 31, 2024
Business Combination and Asset Acquisition [Abstract]  
Schedule of Recognized Identified Assets Acquired and Liabilities Assumed
The following table summarizes the estimated fair value of acquired assets, identified intangible assets, and liabilities assumed as of January 1, 2023. Following the table is a discussion of valuation approaches utilized in estimating the fair values in accordance with ASC 805-10, "Business Combinations." The $114.5 million in goodwill that resulted from this transaction is non-deductible for tax purposes.
($ in thousands)Fair Value Estimate
Assets acquired:
Cash and cash equivalents$22,610 
Securities available for sale112,363 
Loans, gross996,833 
Allowance for loan losses(5,610)
Premises and equipment20,268 
Core deposit intangible28,840 
Operating right-of-use lease assets732 
Other assets27,163 
Total1,203,199 
Liabilities assumed:
Deposits1,045,308 
Borrowings38,800 
Other liabilities4,089 
Total1,088,197 
Net identifiable assets acquired115,002 
Less: Total consideration229,489 
Goodwill recorded related to acquisition of GrandSouth$114,487 
Acquired Loan Portfolio at Acquisition Date The following table presents additional information related to the acquired loan portfolio at the acquisition date:
($ in thousands)January 1, 2023
PCD Loans:
Par value$152,487 
Allowance for credit losses(5,610)
Non-credit discount(1,370)
Purchase price145,507 
Non-PCD Loans:
Fair Value845,716 
Gross contractual amounts receivable865,132 
Estimate of contractual cash flows not expected to be collected22,542 
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Securities (Tables)
 3 Months Ended
Mar. 31, 2024
Investments, Debt and Equity Securities [Abstract]  
Book Values and Fair Values of Available-for-Sale Securities
The book values and approximate fair values of investment securities at March 31, 2024 and December 31, 2023 are summarized as follows:
($ in thousands)March 31, 2024December 31, 2023
Amortized
Cost		Fair
Value		UnrealizedAmortized
Cost		Fair
Value		Unrealized
Gains(Losses)Gains(Losses)
Securities available for sale:
U.S. Treasuries$124,876 123,770 — (1,106)174,785 172,570 — (2,215)
Government-sponsored enterprise securities71,965 59,959 — (12,006)71,964 60,266 — (11,698)
Mortgage-backed securities2,291,854 1,886,949 22 (404,927)2,323,674 1,937,784 30 (385,920)
Corporate bonds18,676 17,805 — (871)19,676 18,759 — (917)
Total available for sale$2,507,371 2,088,483 22 (418,910)2,590,099 2,189,379 30 (400,750)
Securities held to maturity:
Mortgage-backed securities$11,369 10,682 — (687)12,085 11,447 — (638)
State and local governments514,258 425,973 5 (88,290)521,593 438,176 39 (83,456)
Total held to maturity$525,627 436,655 5 (88,977)533,678 449,623 39 (84,094)
Book Values and Fair Values of Held-to-Maturity Securities
The book values and approximate fair values of investment securities at March 31, 2024 and December 31, 2023 are summarized as follows:
($ in thousands)March 31, 2024December 31, 2023
Amortized
Cost		Fair
Value		UnrealizedAmortized
Cost		Fair
Value		Unrealized
Gains(Losses)Gains(Losses)
Securities available for sale:
U.S. Treasuries$124,876 123,770 — (1,106)174,785 172,570 — (2,215)
Government-sponsored enterprise securities71,965 59,959 — (12,006)71,964 60,266 — (11,698)
Mortgage-backed securities2,291,854 1,886,949 22 (404,927)2,323,674 1,937,784 30 (385,920)
Corporate bonds18,676 17,805 — (871)19,676 18,759 — (917)
Total available for sale$2,507,371 2,088,483 22 (418,910)2,590,099 2,189,379 30 (400,750)
Securities held to maturity:
Mortgage-backed securities$11,369 10,682 — (687)12,085 11,447 — (638)
State and local governments514,258 425,973 5 (88,290)521,593 438,176 39 (83,456)
Total held to maturity$525,627 436,655 5 (88,977)533,678 449,623 39 (84,094)
Schedule of Information Regarding Securities with Unrealized Losses
The following table presents information regarding all securities with unrealized losses at March 31, 2024:
Securities in an Unrealized
Loss Position for
Less than 12 Months		Securities in an Unrealized
Loss Position for
More than 12 Months		Total
($ in thousands)Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses
U.S. Treasuries$— — 123,770 1,106 123,770 1,106 
Government-sponsored enterprise securities— — 59,959 12,006 59,959 12,006 
Mortgage-backed securities448 1 1,895,026 405,613 1,895,474 405,614 
Corporate bonds— — 16,055 871 16,055 871 
State and local governments5,356 26 420,149 88,264 425,505 88,290 
Total unrealized loss position$5,804 27 2,514,959 507,860 2,520,763 507,887 

The following table presents information regarding all securities with unrealized losses at December 31, 2023:
Securities in an Unrealized
Loss Position for
Less than 12 Months		Securities in an Unrealized
Loss Position for
More than 12 Months		Total
($ in thousands)Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses
US Treasury securities$— — 172,570 2,215 172,570 2,215 
Government-sponsored enterprise securities— — 60,266 11,698 60,266 11,698 
Mortgage-backed securities1,117 5 1,945,830 386,553 1,946,947 386,558 
Corporate bonds— — 17,008 917 17,008 917 
State and local governments— — 432,476 83,456 432,476 83,456 
Total unrealized loss position$1,117 5 2,628,150 484,839 2,629,267 484,844 
Schedule of Book Values and Approximate Fair Values of Investment Securities by Contractual Maturity
The book values and approximate fair values of investment securities at March 31, 2024, by contractual maturity, are summarized in the table below. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.
 Securities Available for SaleSecurities Held to Maturity
($ in thousands)Amortized
Cost		Fair
Value		Amortized
Cost		Fair
Value
Due within one year$127,379 126,214 — — 
Due after one year but within five years10,000 8,595 1,997 1,805 
Due after five years but within ten years78,138 66,725 148,754 126,626 
Due after ten years— — 363,507 297,542 
Mortgage-backed securities2,291,854 1,886,949 11,369 10,682 
Total securities$2,507,371 2,088,483 525,627 436,655 
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Loans, Allowance for Credit Losses, and Asset Quality Information (Tables)
 3 Months Ended
Mar. 31, 2024
Receivables [Abstract]  
Summary of Major Categories of Total Loans Outstanding
The following is a summary of the major categories of total loans outstanding:
($ in thousands)March 31, 2024December 31, 2023
 AmountPercentageAmountPercentage
Commercial and industrial$872,623 11 %$905,862 11 %
Construction, development & other land loans904,216 11 %992,980 12 %
Commercial real estate - owner occupied1,238,759 15 %1,259,022 16 %
Commercial real estate - non owner occupied2,524,221 31 %2,528,060 31 %
Multi-family real estate457,142 6 %421,376 5 %
Residential 1-4 family real estate1,684,173 21 %1,639,469 20 %
Home equity loans/lines of credit328,466 4 %335,068 4 %
Consumer loans66,666 1 %68,443 1 %
Subtotal8,076,266 100 %8,150,280 100 %
Unamortized net deferred loan fees240 (178)
Total loans$8,076,506 $8,150,102 

Also included in the table above are various SBA loans, generally originated under the SBA 7A program, with additional information on these loans presented in the table below.
($ in thousands)March 31, 2024December 31, 2023
Guaranteed portions of SBA loans included in table above$35,984 35,462 
Unguaranteed portions of SBA loans included in table above106,375 107,784 
Total SBA loans included in the table above$142,359 143,246 
Sold portions of SBA loans with servicing retained - not included in tables above$344,115 349,275 
Schedule of Nonperforming Assets and Nonaccrual Loans
The following table summarizes the NPAs for each period presented.
($ in thousands)March 31,
2024		December 31,
2023
Nonaccrual loans$35,622 32,208 
Modifications to borrowers in financial distress10,999 11,719 
Total nonperforming loans46,621 43,927 
Foreclosed real estate926 862 
Total nonperforming assets$47,547 44,789 
The following table is a summary of the Company’s nonaccrual loans by major categories as of March 31, 2024:
($ in thousands)Nonaccrual Loans with No AllowanceNonaccrual Loans with an AllowanceTotal Nonaccrual Loans
Commercial and industrial$544 12,157 12,701 
Construction, development & other land loans— 61 61 
Commercial real estate - owner occupied879 8,089 8,968 
Commercial real estate - non owner occupied1,890 5,042 6,932 
Residential 1-4 family real estate1,035 3,462 4,497 
Home equity loans/lines of credit525 1,787 2,312 
Consumer loans— 151 151 
Total$4,873 30,749 35,622 

The following table is a summary of the Company’s nonaccrual loans by major categories as of December 31, 2023:
($ in thousands)Nonaccrual Loans with No AllowanceNonaccrual Loans with an AllowanceTotal Nonaccrual Loans
Commercial and industrial$944 8,932 9,876 
Construction, development & other land loans— 399 399 
Commercial real estate - owner occupied960 6,082 7,042 
Commercial real estate - non owner occupied6,121 1,082 7,203 
Residential 1-4 family real estate— 4,843 4,843 
Home equity loans/lines of credit534 2,169 2,703 
Consumer loans— 142 142 
Total$8,559 23,649 32,208 
Summary of Accrued Interest Receivables Written Off
The following table represents the accrued interest receivables written off by reversing interest income during each period indicated:
($ in thousands)Three Months Ended March 31, 2024For the Year Ended December 31,
2023		Three Months Ended March 31, 2023
Commercial and industrial$216 225 123 
Construction, development & other land loans— 10 — 
Commercial real estate - owner occupied148 124 11 
Commercial real estate - non owner occupied— 186 5 
Residential 1-4 family real estate29 38 8 
Home equity loans/lines of credit7 57 9 
Consumer loans— 2 — 
Total$400 642 156 
Schedule of Analysis of Payment Status
The following table presents an analysis of the payment status of the Company’s loans as of March 31, 2024:
($ in thousands)Accruing
30-59
Days Past
Due		Accruing
60-89
Days
Past
Due		Nonaccrual
Loans		Accruing
Current		Total Loans
Receivable
Commercial and industrial$1,850 257 12,701 857,815 872,623 
Construction, development & other land loans388 — 61 903,767 904,216 
Commercial real estate - owner occupied1,055 — 8,968 1,228,736 1,238,759 
Commercial real estate - non owner occupied6,944 95 6,932 2,510,250 2,524,221 
Multi-family real estate— — — 457,142 457,142 
Residential 1-4 family real estate15,682 — 4,497 1,663,994 1,684,173 
Home equity loans/lines of credit696 222 2,312 325,236 328,466 
Consumer loans182 66 151 66,267 66,666 
Total$26,797 640 35,622 8,013,207 8,076,266 
Unamortized net deferred loan fees240 
Total loans8,076,506 

The following table presents an analysis of the payment status of the Company’s loans as of December 31, 2023:
($ in thousands)Accruing
30-59
Days
Past
Due		Accruing
60-89
Days
Past
Due		Nonaccrual
Loans		Accruing
Current		Total Loans
Receivable
Commercial and industrial$3,726 257 9,876 892,003 905,862 
Construction, development & other land loans241 256 399 992,084 992,980 
Commercial real estate - owner occupied906 404 7,042 1,250,670 1,259,022 
Commercial real estate - non owner occupied361 — 7,203 2,520,496 2,528,060 
Multi-family real estate— — — 421,376 421,376 
Residential 1-4 family real estate18,868 3,401 4,843 1,612,357 1,639,469 
Home equity loans/lines of credit603 349 2,703 331,413 335,068 
Consumer loans270 131 142 67,900 68,443 
Total$24,975 4,798 32,208 8,088,299 8,150,280 
Unamortized net deferred loan fees(178)
Total loans8,150,102 
Analysis of Collateral-Dependent Loans
The following table presents an analysis of collateral dependent loans of the Company as of March 31, 2024:
($ in thousands)Residential PropertyBusiness AssetsCommercial PropertyTotal Collateral-Dependent Loans
Commercial and industrial$— 878 — 878 
Construction, development & other land loans— 263 3,452 3,715 
Commercial real estate - owner occupied— — 8,645 8,645 
Commercial real estate - non owner occupied— — 15,444 15,444 
Residential 1-4 family real estate1,035 — — 1,035 
Home equity loans/lines of credit525 — — 525 
Total$1,560 1,141 27,541 30,242 
The following table presents an analysis of collateral dependent loans of the Company as of December 31, 2023:
($ in thousands)Residential PropertyBusiness AssetsCommercial PropertyTotal Collateral-Dependent Loans
Commercial and industrial$— 2,385 — 2,385 
Commercial real estate - owner occupied— — 1,142 1,142 
Commercial real estate - non owner occupied— — 6,121 6,121 
Home equity loans/lines of credit534 — — 534 
Total$534 2,385 7,263 10,182 
Schedule of Allowance for Loan Losses
The following tables presents the activity in the ACL on loans for each of the periods indicated. Fluctuations in the ACL each period are based on loan mix and growth, changes in the levels of nonperforming loans, economic forecasts impacting loss drivers, other assumptions and inputs to the CECL model, and as occurred in 2023, adjustments for acquired loan portfolios. The change to the level of ACL during the three months ended March 31, 2024 was determined based primarily on updated economic forecasts, which are a key assumption in the CECL model and which indicated a continued deterioration of the commercial real estate index, thus projecting a higher allowance for credit losses balance, partially offset by reductions in loan balances during the period.

($ in thousands)Beginning balanceCharge-offsRecoveriesProvisions / (Reversals)Ending balance
As of and for the three months ended March 31, 2024
Commercial and industrial$21,227 (1,585)243 409 20,294 
Construction, development & other land loans13,940 (79)97 (2,175)11,783 
Commercial real estate - owner occupied18,218 (58)4 (1)18,163 
Commercial real estate - non owner occupied24,916 (158)2 1,492 26,252 
Multi-family real estate3,825 — — 597 4,422 
Residential 1-4 family real estate21,396 — 121 1,187 22,704 
Home equity loans/lines of credit3,339 — 5 (8)3,336 
Consumer loans2,992 (235)57 299 3,113 
Total$109,853 (2,115)529 1,800 110,067 
($ in thousands)Beginning balanceInitial ACL for acquired PCD loansCharge-offsRecoveriesProvisions / (Reversals)Ending balance
As of and for the year ended December 31, 2023
Commercial and industrial$17,718 5,197 (8,358)1,393 5,277 21,227 
Construction, development & other land loans15,128 49 (120)370 (1,487)13,940 
Commercial real estate - owner occupied14,972 191 (144)465 2,734 18,218 
Commercial real estate - non owner occupied22,780 51 (235)737 1,583 24,916 
Multi-family real estate2,957 — — 13 855 3,825 
Residential 1-4 family real estate11,354 113 (4)377 9,556 21,396 
Home equity loans/lines of credit3,158 8 (309)98 384 3,339 
Consumer loans2,900 1 (1,005)248 848 2,992 
Total$90,967 5,610 (10,175)3,701 19,750 109,853 

($ in thousands)Beginning balanceInitial ACL for acquired PCD loansCharge-offsRecoveriesProvisions / (Reversals)Ending balance
As of and for the three months ended March 31, 2023
Commercial and industrial$17,718 5,197 (2,177)274 2,061 23,073 
Construction, development & other land loans15,128 49 — 65 3,744 18,986 
Commercial real estate - owner occupied14,972 191 — 36 883 16,082 
Commercial real estate - non owner occupied22,780 51 (235)394 3,000 25,990 
Multi-family real estate2,957 — — 4 243 3,204 
Residential 1-4 family real estate11,354 113 — 146 672 12,285 
Home equity loans/lines of credit3,158 8 (2)34 283 3,481 
Consumer loans2,900 1 (207)36 565 3,295 
Total$90,967 5,610 (2,621)989 11,451 106,396 
The following table presents the balance and activity in the allowance for unfunded loan commitments for the three months ended March 31, 2024 and 2023 and for the twelve months ended December 31, 2023:
($ in thousands)March 31, 2024December 31, 2023March 31, 2023
Beginning balance$11,369 13,306 13,306 
Initial provision for credit losses on unfunded commitments acquired from GrandSouth— 1,921 1,921 
Charge-offs— — — 
Recoveries— — — 
Reversal of provision for unfunded commitments(601)(3,858)(870)
Ending balance$10,768 11,369 14,357 
Schedule of Recorded Investment in Loans by Credit Quality Indicators
The following describes the Company’s internal risk grades in ascending order of likelihood of loss:
Risk GradeDescription
Pass:
1Loans with virtually no risk, including cash secured loans.
2Loans with documented significant overall financial strength.  These loans have minimum chance of loss due to the presence of multiple sources of repayment – each clearly sufficient to satisfy the obligation.
3Loans with documented satisfactory overall financial strength.  These loans have a low loss potential due to presence of at least two clearly identified sources of repayment – each of which is sufficient to satisfy the obligation under the present circumstances.
4Loans to borrowers with acceptable financial condition.  These loans could have signs of minor operational weaknesses, lack of adequate financial information, or loans supported by collateral with questionable value or marketability.  
5Loans that represent above average risk due to minor weaknesses and warrant closer scrutiny by management.  Collateral is generally required and believed to provide reasonable coverage with realizable liquidation values in normal circumstances.  Repayment performance is satisfactory.
P
(Pass)		Consumer loans that are of satisfactory credit quality with borrowers who exhibit good personal credit history, average personal financial strength and moderate debt levels.  These loans generally conform to Bank policy, but may include approved mitigated exceptions to the guidelines.  
Special Mention:
6Existing loans with defined weaknesses in primary source of repayment that, if not corrected, could cause a loss to the Bank.
Classified:
7An existing loan inadequately protected by the current sound net worth and paying capacity of the obligor or the collateral pledged, if any.  These loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.
8Loans that have a well-defined weakness that make the collection or liquidation in full highly questionable and improbable.  Loss appears imminent, but the exact amount and timing is uncertain.
9Loans that are considered uncollectible and are in the process of being charged-off.  This grade is a temporary grade assigned for administrative purposes until the charge-off is completed.
F
(Fail)		Consumer loans with a well-defined weakness, such as exceptions of any kind with no mitigating factors, history of paying outside the terms of the note, insufficient income to support the current level of debt, etc.

In the tables that follow, substantially all of the "Classified" loans have grades of 7 or Fail, with those categories having similar levels of risk.

The tables below present the Company’s recorded investment in loans by credit quality indicators by year of origination or renewal as of the periods indicated. Acquired loans are presented in the year originated, not in the year of acquisition.
Term Loans by Year of Origination
($ in thousands)20242023202220212020PriorRevolvingTotal
As of March 31, 2024
Commercial and industrial
Pass$25,321 106,744 143,282 99,028 79,075 110,534 287,258 851,242 
Special Mention— 86 50 1,877 156 1,932 3,114 7,215 
Classified50 84 2,655 617 767 8,967 1,026 14,166 
Total commercial and industrial25,371 106,914 145,987 101,522 79,998 121,433 291,398 872,623 
Gross charge-offs, YTD— — 255 — 121 215 994 1,585 
Construction, development & other land loans
Pass32,667 317,237 292,169 91,160 29,049 58,583 77,377 898,242 
Special Mention— 377 891 — 158 3,931 16 5,373 
Classified1 — 390 — 67 143 — 601 
Total construction, development & other land loans32,668 317,614 293,450 91,160 29,274 62,657 77,393 904,216 
Gross charge-offs, YTD— 79 — — — — — 79 
Commercial real estate - owner occupied
Pass14,382 136,686 234,302 247,327 186,254 367,230 15,762 1,201,943 
Special Mention— 740 3,939 4,454 296 12,373 — 21,802 
Classified— 73 1,477 1,549 1,206 10,652 57 15,014 
Total commercial real estate - owner occupied14,382 137,499 239,718 253,330 187,756 390,255 15,819 1,238,759 
Gross charge-offs, YTD— — — — — 58 — 58 
Commercial real estate - non owner occupied
Pass18,100 223,154 615,013 703,015 304,502 605,654 28,277 2,497,715 
Special Mention— — 161 — — 17,805 1,450 19,416 
Classified— — — 658 4,233 2,199 — 7,090 
Total commercial real estate - non owner occupied18,100 223,154 615,174 703,673 308,735 625,658 29,727 2,524,221 
Gross charge-offs, YTD— — — — — 158 — 158 
Multi-family real estate
Pass8,262 25,784 118,826 168,105 65,299 46,319 23,876 456,471 
Special Mention— — — — — 671 — 671 
Classified— — — — — — — — 
Total multi-family real estate8,262 25,784 118,826 168,105 65,299 46,990 23,876 457,142 
Gross charge-offs, YTD— — — — — — — — 
Residential 1-4 family real estate
Pass91,863 275,322 417,272 302,005 179,607 404,016 3,171 1,673,256 
Special Mention— — — 31 63 1,471 — 1,565 
Classified262 — — 462 1,194 7,434 — 9,352 
Total residential 1-4 family real estate92,125 275,322 417,272 302,498 180,864 412,921 3,171 1,684,173 
Gross charge-offs, YTD— — — — — — — — 
Home equity loans/lines of credit
Pass233 2,481 833 533 290 2,614 313,602 320,586 
Special Mention— — — 122 — 165 17 304 
Classified— — — 93 91 285 7,107 7,576 
Total home equity loans/lines of credit233 2,481 833 748 381 3,064 320,726 328,466 
Gross charge-offs, YTD— — — — — — — — 
Consumer loans
Pass4,366 14,673 11,269 4,156 1,833 753 29,307 66,357 
Special Mention— — — — — — — — 
Classified134 23 38 43 — 35 36 309 
Total consumer loans4,500 14,696 11,307 4,199 1,833 788 29,343 66,666 
Gross charge-offs, YTD— 4 16 2 — — 213 235 
Total loans$195,641 1,103,464 1,842,567 1,625,235 854,140 1,663,766 791,453 8,076,266 
Unamortized net deferred loan fees240 
Total loans, net of deferred loan fees8,076,506 
Total gross charge-offs, year to date$— 83 271 2 121 431 1,207 2,115 
Term Loans by Year of Origination
($ in thousands)20232022202120202019PriorRevolvingTotal
As of December 31, 2023
Commercial and industrial
Pass$136,735 161,131 111,069 75,312 38,495 60,626 302,684 886,052 
Special Mention2,832 2,547 167 185 448 672 1,135 7,986 
Classified1,626 1,152 720 1,389 1,647 4,487 803 11,824 
Total commercial and industrial141,193 164,830 111,956 76,886 40,590 65,785 304,622 905,862 
Gross charge-offs, YTD171 1,036 713 537 821 1,547 3,533 8,358 
Construction, development & other land loans
Pass563,998 231,450 90,374 16,662 11,598 5,816 70,852 990,750 
Special Mention489 273 59 — 2 4 19 846 
Classified657 708 — — 8 11 — 1,384 
Total construction, development & other land loans565,144 232,431 90,433 16,662 11,608 5,831 70,871 992,980 
Gross charge-offs, YTD— — — — — 120 — 120 
Commercial real estate - owner occupied
Pass210,449 323,852 299,135 196,343 92,452 86,784 23,198 1,232,213 
Special Mention338 2,533 271 817 5,755 2,253 — 11,967 
Classified4,456 1,505 1,721 895 2,288 3,904 73 14,842 
Total commercial real estate - owner occupied215,243 327,890 301,127 198,055 100,495 92,941 23,271 1,259,022 
Gross charge-offs, YTD— — 49 — — 92 3 144 
Commercial real estate - non owner occupied
Pass509,596 748,854 722,472 287,235 119,515 84,690 29,001 2,501,363 
Special Mention11,353 199 36 393 1,183 5,942 342 19,448 
Classified871 32 14 4,214 634 1,484 — 7,249 
Total commercial real estate - non owner occupied521,820 749,085 722,522 291,842 121,332 92,116 29,343 2,528,060 
Gross charge-offs, YTD— — 235 — — — — 235 
Multi-family real estate
Pass57,378 137,533 139,879 43,881 12,231 10,323 20,151 421,376 
Special Mention— — — — — — — — 
Classified— — — — — — — — 
Total multi-family real estate57,378 137,533 139,879 43,881 12,231 10,323 20,151 421,376 
Gross charge-offs, YTD— — — — — — — — 
Residential 1-4 family real estate
Pass363,410 400,483 317,515 186,459 94,567 260,102 3,247 1,625,783 
Special Mention681 41 202 64 587 1,987 — 3,562 
Classified1,848 50 474 741 472 6,539 — 10,124 
Total residential 1-4 family real estate365,939 400,574 318,191 187,264 95,626 268,628 3,247 1,639,469 
Gross charge-offs, YTD— — — — — 4 — 4 
Home equity loans/lines of credit
Pass2,830 1,136 1,141 223 499 1,233 319,199 326,261 
Special Mention163 — 122 — — — 18 303 
Classified255 — 146 91 112 10 7,890 8,504 
Total home equity loans/lines of credit3,248 1,136 1,409 314 611 1,243 327,107 335,068 
Gross charge-offs, YTD— — — — — — 309 309 
Consumer loans
Pass16,497 12,906 4,999 2,173 432 429 30,757 68,193 
Special Mention— — — — — — — — 
Classified130 7 45 — 3 34 31 250 
Total consumer loans16,627 12,913 5,044 2,173 435 463 30,788 68,443 
Gross charge-offs, YTD34 79 73 23 — 1 795 1,005 
Total loans$1,886,592 2,026,392 1,690,561 817,077 382,928 537,330 809,400 8,150,280 
Unamortized net deferred loan fees(178)
Total loans, net of deferred loan fees8,150,102 
Total gross charge-offs, year to date$205 1,115 1,070 560 821 1,764 4,640 10,175 
Schedule of Information Related to Loans Modified in a Troubled Debt Restructuring
The followings tables present the amortized cost basis at March 31, 2024 and March 31, 2023 of the loans modified during the three months then ended for borrowers experiencing financial difficulty, by loan category and type of concession granted.

($ in thousands)Payment DelayTerm ExtensionCombination - Term Extension and Payment DelayCombination - Interest Rate Reduction and Term ExtensionTotalPercent of Total Class of Loans
As of and for the three months ended March 31, 2024
Commercial and industrial$114 — 878 — 992 0.11 %
Commercial real estate - non owner occupied— 115 — — 115 — %
Home equity loans/lines of credit— 47 — 179 226 0.07 %
Total$114 162 878 179 1,333 0.02 %
($ in thousands)Payment DelayTerm ExtensionCombination - Interest Rate Reduction and Term ExtensionTotalPercent of Total Class of Loans
As of and for the three months ended March 31, 2023
Commercial and industrial$156 1,442 — 1,598 0.18 %
Construction, development & other land loans— 130 14 144 0.01 %
Commercial real estate - non owner occupied— 104 — 104 — %
Residential 1-4 family real estate— 48 — 48 — %
Home equity loans/lines of credit— 103 — 103 0.03 %
Consumer loans— 228 — 228 0.34 %
Total$156 2,055 14 2,225 0.03 %
For the three months ended March 31, 2024 and March 31, 2023, there were no modifications for borrowers experiencing financial difficulty with principal forgiveness concessions.
The following table describes the financial effect for the three months ended March 31, 2024 of the modifications made for borrowers experiencing financial difficulty:
Financial Effect of Modification to Borrowers Experiencing Financial Difficulty
Weighted Average Interest Rate ReductionWeighted Average Payment Delay
(in months)		Weighted Average Term Extension
(in months)
For the three months ended March 31, 2024
Commercial and industrial—%3612
Commercial real estate - non owner occupied—%013
Home equity loans/lines of credit2.09%032
The following table describes the financial effect for the three months ended March 31, 2023 of the modifications made for borrowers experiencing financial difficulty:
Financial Effect of Modification to Borrowers Experiencing Financial Difficulty
Weighted Average Interest Rate ReductionWeighted Average Payment Delay
(in months)		Weighted Average Term Extension
(in months)
For the three months ended March 31, 2023
Commercial and industrial—%46
Construction, development & other land loans1.50%011
Commercial real estate - non owner occupied—%012
Residential 1-4 family real estate—%014
Home equity loans/lines of credit—%046
Consumer loans—%03
The Company closely monitors the performance of the loans that are modified for borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table depicts the performance of loans that have been modified in the last 12 months as of March 31, 2024:
Payment Status (Amortized Cost Basis)
($ in thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past Due
Commercial and industrial$2,186 69 — — 
Construction, development & other land loans131 — — — 
Commercial real estate - owner occupied4,378 — — — 
Commercial real estate - non owner occupied115 — — — 
Residential 1-4 family real estate595 76 — — 
Home equity loans/lines of credit3,111 — — — 
Consumer loans3 — — — 
$10,519 145 — — 
The following table depicts the performance of loans that have been modified in the last 12 months as of December 31, 2023:
Payment Status (Amortized Cost Basis)
($ in thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past Due
Commercial and industrial$2,841 — — — 
Construction, development & other land loans362 — — — 
Commercial real estate - owner occupied4,455 — — — 
Commercial real estate - non owner occupied206 — — — 
Residential 1-4 family real estate656 79 — — 
Home equity loans/lines of credit3,114 — — — 
Consumer loans6 — — — 
$11,640 79 — — 
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Goodwill and Other Intangible Assets (Tables)
 3 Months Ended
Mar. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]  
Schedule of Intangible Assets and Goodwill
March 31, 2024December 31, 2023
($ in thousands)Gross Carrying
Amount		Accumulated
Amortization		Net AmountGross Carrying
Amount		Accumulated
Amortization		Net Amount
Amortizable intangible assets:
Customer lists$2,700 2,247 453 2,700 2,167 533 
Core deposit intangibles57,890 30,605 27,285 57,890 28,932 28,958 
Other intangibles100 89 11 100 83 17 
Intangibles before servicing assets60,690 32,941 27,749 60,690 31,182 29,508 
SBA servicing assets14,190 11,053 3,137 13,966 10,616 3,350 
Total amortizable intangible assets$74,880 43,994 30,886 74,656 41,798 32,858 
Unamortizable intangible assets:
Goodwill$478,750 478,750 
SBA Servicing Assets
The following table presents the changes in the SBA servicing assets and SBA servicing income for the three months ended March 31, 2024 and 2023.
Three months ended March 31,
20242023
Beginning balance, net$3,350 4,004 
Add: New servicing assets224 77 
Less: Amortization expense and impairment charges437 184 
Ending balance, net$3,137 3,897 
Schedule of the Estimated Amortization Expense
The following table presents the estimated amortization expense schedule related to acquisition-related amortizable intangible assets, excluding the SBA servicing assets. These amounts will be recorded as "Intangibles amortization expense" within the noninterest expense section of the consolidated statements of income. These estimates are subject to change in future periods to the extent management determines it is necessary to make adjustments to the carrying value or estimated useful lives of amortized intangible assets.
($ in thousands)Estimated Amortization
Expense
April 1, 2024 to December 31, 2024$4,844 
20255,672 
20264,705 
20273,951 
20283,197 
Thereafter5,380 
Total$27,749 
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Borrowings (Tables)
 3 Months Ended
Mar. 31, 2024
Debt Disclosure [Abstract]  
Schedule of Debt
The following tables present information regarding the Company’s outstanding borrowings at March 31, 2024 and December 31, 2023 (dollars in thousands):
DescriptionDue dateCall FeatureBalance at March 31, 2024Interest Rate
FHLB Principal Reducing Credit6/26/2028None$200 
0.25% fixed
FHLB Principal Reducing Credit7/17/2028None29 
0.00% fixed
FHLB Principal Reducing Credit8/18/2028None148 
1.00% fixed
FHLB Principal Reducing Credit8/22/2028None149 
1.00% fixed
FHLB Principal Reducing Credit12/20/2028None312 
0.50% fixed
FRB Bank Term Funding Program12/20/2024None174,000 
4.85% fixed
FRB Bank Term Funding Program12/27/2024None25,000 
4.83% fixed
FRB Bank Term Funding Program1/10/2025None32,000 
4.81% fixed
Trust Preferred Securities1/23/2034Quarterly by Company
beginning 1/23/2009		10,310 
8.23% at 3/31/24 adjustable rate 3 month CME Term SOFR+ 2.91%
Trust Preferred Securities1/23/2034Quarterly by Company
beginning 1/23/2009		10,310 
 8.33% at 3/31/24 adjustable rate 3 month CME Term SOFR + 3.01%
Trust Preferred Securities9/20/2034Quarterly by Company
beginning 9/20/2009		12,372 
7.74% at 3/31/24 adjustable rate 3 month CME Term SOFR + 2.41%
Trust Preferred Securities1/7/2035Quarterly by Company
beginning 1/7/2010		10,310 
7.58% at 3/31/24 adjustable rate 3 month CME Term SOFR + 2.00%
Trust Preferred Securities6/15/2036Quarterly by Company
beginning 6/15/2011		25,774 
6.98% at 3/31/24 adjustable rate 3 month CME Term SOFR + 1.65%
Trust Preferred Securities6/23/2036Quarterly by the Company beginning 6/23/20118,248 
7.43% at 3/31/24 adjustable rate 3 month CME Term SOFR + 2.11%
Subordinated Debentures11/30/2028Continuous by Company beginning 11/30/202310,000 
8.99% at 3/31/24 adjustable rate 3 month CME Term SOFR + 3.69%
Subordinated Debentures11/15/2030Continuous by Company beginning 11/15/202518,000 
4.38% fixed
Total borrowings / weighted average rate as of March 31, 2024
337,162 5.56%
Unamortized discount on acquired borrowings(4,827)
Total borrowings$332,335 
DescriptionDue dateCall FeatureBalance at December 31, 2023Interest Rate
FHLB Principal Reducing Credit6/26/2028None$203 
0.25% fixed
FHLB Principal Reducing Credit7/17/2028None31 
0.00% fixed
FHLB Principal Reducing Credit8/18/2028None151 
1.00% fixed
FHLB Principal Reducing Credit8/22/2028None151 
1.00% fixed
FHLB Principal Reducing Credit12/20/2028None315 
0.50% fixed
FHLB Fixed Rate Credit1/16/2024None80,000 
5.59% fixed
FHLB Fixed Rate Credit2/27/2024None100,000 
5.61% fixed
FHLB Fixed Rate Credit3/20/2024None100,000 
5.61% fixed
FRB Bank Term Funding Program12/20/2024None224,000 
4.85% fixed
FRB Bank Term Funding Program12/27/2024None25,000 
4.83% fixed
Trust Preferred Securities1/23/2034Quarterly by Company
beginning 1/23/2009		10,310 
8.30% at 12/31/23 adjustable rate 3 month CME Term SOFR + 2.91%
Trust Preferred Securities1/23/2034Quarterly by Company
beginning 1/23/2009		10,310 
 8.40% at 12/31/23 adjustable rate 3 month CME Term SOFR + 3.01%
Trust Preferred Securities9/20/2034Quarterly by Company
beginning 9/20/2009		12,372 
7.78% at 12/31/23 adjustable rate 3 month CME Term SOFR + 2.41%
Trust Preferred Securities1/7/2035Quarterly by Company
beginning 1/7/2010		10,310 
7.66% at 12/31/23 adjustable rate 3 month CME Term SOFR + 2.00%
Trust Preferred Securities6/15/2036Quarterly by Company
beginning 6/15/2011		25,774 
7.04% at 12/31/23 adjustable rate 3 month CME Term SOFR + 1.65%
Trust Preferred Securities6/23/2036Quarterly by Company beginning 6/23/20118,248 
7.47% at 12/31/23 adjustable rate 3 month CME Term SOFR + 2.11%
Subordinated Debentures11/30/2028Continuous by Company beginning 11/30/202310,000 
9.09% at 12/31/23 adjustable rate 3 month CME Term SOFR + 3.69%
Subordinated Debentures11/15/2030Continuous by Company beginning 11/15/202518,000 
4.38% fixed
Total borrowings / weighted average rate as of December 31, 2023
635,175 5.57%
Unamortized discount on acquired borrowings(5,017)
Total borrowings$630,158 
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Leases (Tables)
 3 Months Ended
Mar. 31, 2024
Lessee Disclosure [Abstract]  
Schedule of Estimated Lease Payments
Future undiscounted lease payments for operating leases with initial terms of greater than one year as of March 31, 2024 are as follows:
($ in thousands)
April 1, 2024 to December 31, 2024$1,813 
20251,914 
20261,633 
20271,359 
20281,267 
Thereafter17,222 
Total undiscounted lease payments25,208 
Less effect of discounting(7,865)
Present value of estimated lease payments (lease liability)$17,343 
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Pension Plans (Tables)
 3 Months Ended
Mar. 31, 2024
Retirement Benefits [Abstract]  
Schedule of the Components of Pension Costs The following table contains the components of the pension cost:
Three Months Ended March 31, 2024
($ in thousands)SERP
Service cost$— 
Interest cost38 
Expected return on plan assets— 
Amortization of net loss25 
Net periodic pension cost$63 
 Three Months Ended March 31, 2023
($ in thousands)Pension PlanSERPTotal Both Plans
Service cost$— — — 
Interest cost267 28 295 
Expected return on plan assets(288)— (288)
Amortization of net loss (gain)180 (136)44 
Net periodic pension cost$159 (108)51 
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Fair Value of Financial Instruments (Tables)
 3 Months Ended
Mar. 31, 2024
Fair Value Disclosures [Abstract]  
Financial Instruments Measured at Fair Value on a Recurring and Nonrecurring Basis
The following table summarizes the Company’s financial instruments that were measured at fair value on a recurring and nonrecurring basis at March 31, 2024:
($ in thousands)

Description of Financial Instruments
Fair Value at March 31, 2024Quoted Prices in Active Markets for Identical Assets
(Level 1)		Significant Other
Observable Inputs
(Level 2)		Significant
Unobservable Inputs
(Level 3)
Recurring
Securities available for sale:
U.S. Treasury$123,770 — 123,770 — 
Government-sponsored enterprise securities59,959 — 59,959 — 
Mortgage-backed securities1,886,949 — 1,886,949 — 
Corporate bonds17,805 — 17,805 — 
Total available for sale securities$2,088,483 — 2,088,483 — 
Derivative financial assets$— — — — 
Presold mortgages in process of settlement$6,703 — 6,703 — 
Derivative financial liabilities$30 — 30 — 
Nonrecurring
Individually evaluated loans$4,638 — — 4,638 
The following table summarizes the Company’s financial instruments that were measured at fair value on a recurring and nonrecurring basis at December 31, 2023:
($ in thousands)

Description of Financial Instruments
Fair Value at December 31, 2023Quoted Prices in Active Markets for Identical Assets
(Level 1)		Significant Other
Observable Inputs
(Level 2)		Significant
Unobservable
Inputs
(Level 3)
Recurring
Securities available for sale:
US Treasury securities$172,570 — 172,570 — 
Government-sponsored enterprise securities60,266 — 60,266 — 
Mortgage-backed securities1,937,784 — 1,937,784 — 
Corporate bonds18,759 — 18,759 — 
Total available for sale securities$2,189,379 — 2,189,379 — 
Derivative financial assets$295 — 295 — 
Presold mortgages in process of settlement$2,667 — 2,667 — 
Derivative financial liabilities$349 — 349 — 
Nonrecurring
Individually evaluated loans$1,953 — — 1,953 
Schedule of Significant Unobservable Inputs
For Level 3 assets and liabilities measured at fair value on a non-recurring basis as of March 31, 2024, the significant unobservable inputs used in the fair value measurements were as presented in the tables below:
($ in thousands)Fair Value at March 31, 2024Valuation
Technique		Significant Unobservable
Inputs		Range (Weighted Average)
Individually evaluated loans - collateral-dependent$4,638 Appraised valueDiscounts applied for estimated costs to sell10%
For Level 3 assets and liabilities measured at fair value on a non-recurring basis as of December 31, 2023, the significant unobservable inputs used in the fair value measurements were as follows:
($ in thousands)Fair Value at December 31, 2023Valuation
Technique		Significant Unobservable
Inputs		Range (Weighted Average)
Individually evaluated loans - collateral-dependent$1,953 Appraised valueDiscounts applied for estimated costs to sell10%
Schedule of the Carrying Amounts and Estimated Fair Values of Financial Instruments
The carrying amounts and estimated fair values of financial instruments not carried at fair value at March 31, 2024 and December 31, 2023 were as follows:
  March 31, 2024December 31, 2023
($ in thousands)Level in Fair
Value
Hierarchy		Carrying
Amount		Estimated
Fair Value		Carrying
Amount		Estimated
Fair Value
Cash and due from banks, noninterest-bearingLevel 1$87,181 87,181 100,891 100,891 
Due from banks, interest-bearingLevel 1266,661 266,661 136,964 136,964 
Securities held to maturityLevel 2525,627 436,655 533,678 449,623 
Total loans, net of allowanceLevel 37,966,439 7,198,019 8,040,249 7,379,079 
Accrued interest receivableLevel 135,147 35,147 37,351 37,351 
Bank-owned life insuranceLevel 1185,061 185,061 183,897 183,897 
SBA Servicing AssetLevel 33,137 3,984 3,351 4,049 
Demand deposits, money market and savingsLevel 29,136,213 9,136,213 9,052,905 9,052,905 
Time depositsLevel 21,167,098 1,160,751 978,694 972,513 
BorrowingsLevel 2332,335 318,292 630,158 615,614 
Accrued interest payableLevel 19,847 9,847 5,699 5,699 
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Stock-Based Compensation (Tables)
 3 Months Ended
Mar. 31, 2024
Share-Based Payment Arrangement [Abstract]  
Schedule of Outstanding Restricted Stock
The following table presents information regarding the activity for the first three months of 2024 related to the Company’s outstanding restricted stock awards:
Long-Term Restricted Stock Awards
Number of UnitsWeighted-Average
Grant-Date Fair Value
Nonvested at January 1, 2024291,291 $38.01 
Granted during the period13,905 35.26 
Vested during the period(10,614)41.62 
Forfeited or expired during the period— — 
Nonvested at March 31, 2024294,582 $37.31 
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Earnings Per Share (Tables)
 3 Months Ended
Mar. 31, 2024
Earnings Per Share [Abstract]  
Schedule of Reconciliation of the Numerators and Denominators Used in Computing Basic and Diluted Earnings Per Common Share
The following is a reconciliation of the numerators and denominators used in computing Basic and Diluted Earnings Per Common Share ("EPS"):
 For the Three Months Ended March 31,
 20242023
($ in thousands except per
share amounts)		Income
(Numerator)		Shares
(Denominator)		Per Share
Amount		Income
(Numerator)		Shares
(Denominator)		Per Share
Amount
Basic EPS:
Net income$25,272 $15,161 
Less: income allocated to restricted stock(178)(109)
Basic EPS per common share$25,094 40,843,865 $0.61 $15,052 40,583,417 $0.37 
Diluted EPS:
Net income $25,272 40,843,865 $15,161 40,583,417 
Effect of dilutive securities— 405,771 — 529,275 
Diluted EPS per common share$25,272 41,249,636 $0.61 $15,161 41,112,692 $0.37 
XML 46 R35.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Accumulated Other Comprehensive Income (Loss) (Tables)
 3 Months Ended
Mar. 31, 2024
Equity [Abstract]  
Schedule of Accumulated Other Comprehensive Income (Loss)
The components of accumulated other comprehensive income (loss) ("AOCI") for the Company are as follows:
($ in thousands)March 31, 2024December 31, 2023
Unrealized loss on securities available for sale$(418,888)(400,720)
Deferred tax asset 96,973 92,767 
Net unrealized loss on securities available for sale(321,915)(307,953)
Postretirement plans liability(75)(100)
Deferred tax asset17 23 
Net postretirement plans liability(58)(77)
Total accumulated other comprehensive loss$(321,973)(308,030)
The following tables disclose the changes in AOCI for the three months ended March 31, 2024 and 2023 (all amounts are net of tax):
For the Three Months Ended March 31, 2024
($ in thousands)Unrealized Loss on
Securities
Available for Sale		Postretirement Plans Asset
(Liability)		Total
Beginning balance$(307,953)(77)(308,030)
Other comprehensive loss before reclassifications(14,711)— (14,711)
Amounts reclassified from accumulated other comprehensive income
749 19 768 
Net current period other comprehensive (loss) income(13,962)19 (13,943)
Ending balance$(321,915)(58)(321,973)
For the Three Months Ended March 31, 2023
($ in thousands)Unrealized Loss on
Securities
Available for Sale		Postretirement Plans Asset
(Liability)		Total
Beginning balance$(342,017)42 (341,975)
Other comprehensive income before reclassifications27,908 — 27,908 
Amounts reclassified from accumulated other comprehensive income
— 33 33 
Net current period other comprehensive income27,908 33 27,941 
Ending balance$(314,109)75 (314,034)
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Revenue from Contracts with Customers (Tables)
 3 Months Ended
Mar. 31, 2024
Revenue from Contract with Customer [Abstract]  
Schedule of Noninterest Income The following table presents the Company’s sources of noninterest income for the three months ended March 31, 2024 and 2023. Items outside the scope of ASC 606 are noted as such.
For the Three Months Ended
($ in thousands)March 31, 2024March 31, 2023
Noninterest Income in-scope of ASC 606:
Service charges on deposit accounts$3,868 3,894 
Other service charges, commissions and fees:
Bankcard interchange income, net2,314 2,582 
Other service charges and fees1,848 3,318 
Commissions from the sales of financial products1,320 1,306 
SBA consulting fees257 521 
Noninterest income (in-scope of ASC 606)9,607 11,621 
Noninterest income (out-of-scope of ASC 606)3,331 1,915 
Total noninterest income$12,938 13,536 
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Organization and Basis of Presentation (Details)
Mar. 31, 2024
subsidiary
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Number of subsidiaries 3
XML 49 R38.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Acquisitions - Narrative (Details)
$ / shares in Units, $ in Thousands
 3 Months Ended 12 Months Ended
Jan. 01, 2023
USD ($)
option
branchOffice
$ / shares
shares
Mar. 31, 2024
USD ($)
Mar. 31, 2023
USD ($)
Mar. 31, 2022
USD ($)
Dec. 31, 2023
USD ($)
Business Acquisition [Line Items]          
Price per share, at acquisition date | $ / shares $ 42.84        
Goodwill   $ 478,750     $ 478,750
Financing receivable, excluding accrued interest, credit loss expense (reversal)   1,800 $ 11,451   19,750
Unfunded Loan Commitment          
Business Acquisition [Line Items]          
Financing receivable, excluding accrued interest, credit loss expense (reversal)   $ (601)   $ (870) (3,858)
Core deposit intangibles          
Business Acquisition [Line Items]          
Useful life   10 years      
GrandSouth          
Business Acquisition [Line Items]          
Common stock portion, number of First Bancorp's stock for each share of acquiree common stock converted (in shares) | shares 0.91        
Number of shares issued | shares 5,032,834        
Common stock options converted | option 542,345        
Business acquisition, equity interest issued or issuable, common stock options, converted, exercise price (in dollars per share) | $ / shares $ 20.14        
Less: Total consideration $ 229,489        
Number of locations | branchOffice 8        
Goodwill $ 114,487        
Fair value mark 29,500        
Initial allowance recorded for PCD loans $ 5,610        
GrandSouth | Unfunded Loan Commitment          
Business Acquisition [Line Items]          
Financing receivable, excluding accrued interest, credit loss expense (reversal)   $ 0   $ 1,921 $ 1,921
GrandSouth | Core deposit intangibles          
Business Acquisition [Line Items]          
Useful life 10 years        
Weighted average useful life 41 months        
XML 50 R39.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Acquisitions - Schedule of Assets and Liabilities (Details) - USD ($)
$ in Thousands
Jan. 01, 2023
Mar. 31, 2024
Dec. 31, 2023
Liabilities assumed:      
Goodwill   $ 478,750 $ 478,750
GrandSouth      
Assets acquired:      
Cash and cash equivalents $ 22,610    
Securities available for sale 112,363    
Loans, gross 996,833    
Allowance for loan losses 5,610    
Premises and equipment 20,268    
Core deposit intangible 28,840    
Operating right-of-use lease assets 732    
Other assets 27,163    
Total 1,203,199    
Liabilities assumed:      
Deposits 1,045,308    
Borrowings 38,800    
Other liabilities 4,089    
Total 1,088,197    
Net identifiable assets acquired 115,002    
Less: Total consideration 229,489    
Goodwill $ 114,487    
XML 51 R40.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Acquisitions - Acquired Loans (Details) - GrandSouth
$ in Thousands
Jan. 01, 2023
USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Par value $ 152,487
Allowance for credit losses (5,610)
Non-credit discount (1,370)
Purchase price 145,507
Non-PCD Loans  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Fair Value 845,716
Gross contractual amounts receivable 865,132
Estimate of contractual cash flows not expected to be collected $ 22,542
XML 52 R41.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Securities (Summary of Book Values and Fair Values of Investment Securities) (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Fair Value    
Amortized Cost $ 2,507,371 $ 2,590,099
Fair Value 2,088,483 2,189,379
Unrealized gains 22 30
Unrealized (losses) (418,910) (400,750)
Securities held to maturity:    
Amortized Cost 525,627 533,678
Fair Value 436,655 449,623
Unrealized gains 5 39
Unrealized (losses) (88,977) (84,094)
U.S. Treasuries    
Fair Value    
Amortized Cost 124,876 174,785
Fair Value 123,770 172,570
Unrealized gains 0 0
Unrealized (losses) (1,106) (2,215)
Government-sponsored enterprise securities    
Fair Value    
Amortized Cost 71,965 71,964
Fair Value 59,959 60,266
Unrealized gains 0 0
Unrealized (losses) (12,006) (11,698)
Mortgage-backed securities    
Fair Value    
Amortized Cost 2,291,854 2,323,674
Fair Value 1,886,949 1,937,784
Unrealized gains 22 30
Unrealized (losses) (404,927) (385,920)
Securities held to maturity:    
Amortized Cost 11,369 12,085
Fair Value 10,682 11,447
Unrealized gains 0 0
Unrealized (losses) (687) (638)
Corporate bonds    
Fair Value    
Amortized Cost 18,676 19,676
Fair Value 17,805 18,759
Unrealized gains 0 0
Unrealized (losses) (871) (917)
State and local governments    
Securities held to maturity:    
Amortized Cost 514,258 521,593
Fair Value 425,973 438,176
Unrealized gains 5 39
Unrealized (losses) $ (88,290) $ (83,456)
XML 53 R42.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Securities (Narrative) (Details)
 1 Months Ended 3 Months Ended
Apr. 30, 2024
USD ($)
Mar. 31, 2024
USD ($)
security
$ / shares
shares
Mar. 31, 2023
USD ($)
Mar. 31, 2022
USD ($)
Dec. 31, 2023
USD ($)
security
Debt and Equity Securities, FV-NI [Line Items]          
Private mortgage-backed security fair value   $ 700,000     $ 700,000
Debt securities, available-for-sale and held-to-maturity, number of positions | security   651     657
Number of securities held in an unrealized loss position | security   631     632
Investment securities, pledged as collateral for public deposits   $ 910,800,000     $ 971,300,000
Proceeds from sales of securities available for sale   0 $ 111,863,000 $ 5,200,000  
Losses on calls of securities, net   (975,000) $ 0 $ (975,200)  
FHLB stock and FRB stock, cost   41,400,000     54,500,000
FHLB, cost   8,500,000     21,700,000
FRB stock   32,900,000     32,800,000
Collateral For FRB Borrowings          
Debt and Equity Securities, FV-NI [Line Items]          
Investment securities, pledged as collateral for public deposits   $ 668,900,000     $ 679,000,000
Common Class B | Forecast          
Debt and Equity Securities, FV-NI [Line Items]          
Gain on shares sold $ 4,500,000        
Visa, Inc | Common Class B          
Debt and Equity Securities, FV-NI [Line Items]          
Stock owned (in shares) | shares   12,356      
Carrying value of shares   $ 0      
Visa, Inc | Common Class A          
Debt and Equity Securities, FV-NI [Line Items]          
Conversion price (in dollars per share) | $ / shares   $ 1.5875      
Conversion of stock (in shares) | shares   19,615      
XML 54 R43.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Securities - Schedule of Information Regarding Securities with Unrealized Losses (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Securities in an Unrealized Loss Position for Less than 12 Months    
Fair value, AFS and HTM $ 5,804 $ 1,117
Unrealized losses, AFS and HTM 27 5
Securities in an Unrealized Loss Position for More than 12 Months    
Fair value, AFS and HTM 2,514,959 2,628,150
Unrealized losses, AFS and HTM 507,860 484,839
Total    
Fair value, AFS and HTM 2,520,763 2,629,267
Unrealized losses, AFS and HTM 507,887 484,844
U.S. Treasuries    
Securities in an Unrealized Loss Position for Less than 12 Months    
Fair value, AFS 0 0
Unrealized losses, AFS 0 0
Securities in an Unrealized Loss Position for More than 12 Months    
Fair value, AFS 123,770 172,570
Unrealized losses, AFS 1,106 2,215
Total    
Fair Value, AFS 123,770 172,570
Unrealized losses, AFS 1,106 2,215
Government-sponsored enterprise securities    
Securities in an Unrealized Loss Position for Less than 12 Months    
Fair value, AFS 0 0
Unrealized losses, AFS 0 0
Securities in an Unrealized Loss Position for More than 12 Months    
Fair value, AFS 59,959 60,266
Unrealized losses, AFS 12,006 11,698
Total    
Fair Value, AFS 59,959 60,266
Unrealized losses, AFS 12,006 11,698
Mortgage-backed securities    
Securities in an Unrealized Loss Position for Less than 12 Months    
Fair value, AFS and HTM 448 1,117
Unrealized losses, AFS and HTM 1 5
Securities in an Unrealized Loss Position for More than 12 Months    
Fair value, AFS and HTM 1,895,026 1,945,830
Unrealized losses, AFS and HTM 405,613 386,553
Total    
Fair value, AFS and HTM 1,895,474 1,946,947
Unrealized losses, AFS and HTM 405,614 386,558
Corporate bonds    
Securities in an Unrealized Loss Position for Less than 12 Months    
Fair value, AFS 0 0
Unrealized losses, AFS 0 0
Securities in an Unrealized Loss Position for More than 12 Months    
Fair value, AFS 16,055 17,008
Unrealized losses, AFS 871 917
Total    
Fair Value, AFS 16,055 17,008
Unrealized losses, AFS 871 917
State and local governments    
Securities in an Unrealized Loss Position for Less than 12 Months    
Fair value, HTM 5,356 0
Unrealized losses, HTM 26 0
Securities in an Unrealized Loss Position for More than 12 Months    
Fair value, HTM 420,149 432,476
Unrealized losses, HTM 88,264 83,456
Total    
Fair value, HTM 425,505 432,476
Unrealized losses, HTM $ 88,290 $ 83,456
XML 55 R44.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Securities - Schedule of Book Values and Fair Values of Investment Securities by Contractual Maturity (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Amortized Cost    
Due within one year $ 127,379  
Due after one year but within five years 10,000  
Due after five years but within ten years 78,138  
Due after ten years 0  
Mortgage-backed securities 2,291,854  
Amortized Cost 2,507,371 $ 2,590,099
Fair Value    
Due within one year 126,214  
Due after one year but within five years 8,595  
Due after five years but within ten years 66,725  
Due after ten years 0  
Mortgage-backed securities 1,886,949  
Total securities 2,088,483 2,189,379
Amortized Cost    
Due within one year 0  
Due after one year but within five years 1,997  
Due after five years but within ten years 148,754  
Due after ten years 363,507  
Mortgage-backed securities 11,369  
Amortized Cost 525,627 533,678
Fair Value    
Due within one year 0  
Due after one year but within five years 1,805  
Due after five years but within ten years 126,626  
Due after ten years 297,542  
Mortgage-backed securities 10,682  
Total securities $ 436,655 $ 449,623
XML 56 R45.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Loans, Allowance for Credit Losses, and Asset Quality Information - Summary of Major Categories of Total Loans Outstanding (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Mar. 31, 2024
Sep. 30, 2023
Dec. 31, 2023
Loans and Leases Receivable Disclosure [Line Items]      
Total $ 8,076,266   $ 8,150,280
Unamortized net deferred loan fees 240   (178)
Total loans $ 8,076,506   8,150,102
Financing Receivable | Loan Category Concentration Risk      
Loans and Leases Receivable Disclosure [Line Items]      
Percentage 100.00% 100.00%  
Total SBA loans included in the table above      
Loans and Leases Receivable Disclosure [Line Items]      
Total loans $ 142,359   143,246
Guaranteed portions of SBA loans included in table above      
Loans and Leases Receivable Disclosure [Line Items]      
Total loans 35,984   35,462
Unguaranteed portions of SBA loans included in table above      
Loans and Leases Receivable Disclosure [Line Items]      
Total loans 106,375   107,784
Sold portions of SBA loans with servicing retained - not included in tables above      
Loans and Leases Receivable Disclosure [Line Items]      
Total loans 344,115   349,275
Commercial and industrial      
Loans and Leases Receivable Disclosure [Line Items]      
Total $ 872,623   905,862
Commercial and industrial | Financing Receivable | Loan Category Concentration Risk      
Loans and Leases Receivable Disclosure [Line Items]      
Percentage 11.00% 11.00%  
Real estate, commercial | Construction, development & other land loans      
Loans and Leases Receivable Disclosure [Line Items]      
Total $ 904,216   992,980
Real estate, commercial | Construction, development & other land loans | Financing Receivable | Loan Category Concentration Risk      
Loans and Leases Receivable Disclosure [Line Items]      
Percentage 11.00% 12.00%  
Real estate, commercial | Commercial real estate - owner occupied      
Loans and Leases Receivable Disclosure [Line Items]      
Total $ 1,238,759   1,259,022
Real estate, commercial | Commercial real estate - owner occupied | Financing Receivable | Loan Category Concentration Risk      
Loans and Leases Receivable Disclosure [Line Items]      
Percentage 15.00% 16.00%  
Real estate, commercial | Commercial real estate - non owner occupied      
Loans and Leases Receivable Disclosure [Line Items]      
Total $ 2,524,221   2,528,060
Real estate, commercial | Commercial real estate - non owner occupied | Financing Receivable | Loan Category Concentration Risk      
Loans and Leases Receivable Disclosure [Line Items]      
Percentage 31.00% 31.00%  
Real estate, commercial | Multi-family real estate      
Loans and Leases Receivable Disclosure [Line Items]      
Total $ 457,142   421,376
Real estate, commercial | Multi-family real estate | Financing Receivable | Loan Category Concentration Risk      
Loans and Leases Receivable Disclosure [Line Items]      
Percentage 6.00% 5.00%  
Real estate, mortgage | Residential 1-4 family real estate      
Loans and Leases Receivable Disclosure [Line Items]      
Total $ 1,684,173   1,639,469
Real estate, mortgage | Residential 1-4 family real estate | Financing Receivable | Loan Category Concentration Risk      
Loans and Leases Receivable Disclosure [Line Items]      
Percentage 21.00% 20.00%  
Real estate, mortgage | Home equity loans/lines of credit      
Loans and Leases Receivable Disclosure [Line Items]      
Total $ 328,466   335,068
Real estate, mortgage | Home equity loans/lines of credit | Financing Receivable | Loan Category Concentration Risk      
Loans and Leases Receivable Disclosure [Line Items]      
Percentage 4.00% 4.00%  
Consumer loans      
Loans and Leases Receivable Disclosure [Line Items]      
Total $ 66,666   $ 68,443
Consumer loans | Financing Receivable | Loan Category Concentration Risk      
Loans and Leases Receivable Disclosure [Line Items]      
Percentage 1.00% 1.00%  
XML 57 R46.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Loans, Allowance for Credit Losses, and Asset Quality Information - Narrative (Details)
 3 Months Ended
Mar. 31, 2024
USD ($)
loan
Mar. 31, 2023
USD ($)
Dec. 31, 2023
USD ($)
loan
Dec. 31, 2022
USD ($)
Loans and Leases Receivable Disclosure [Line Items]        
Unamortized premium (discount) on acquired loans $ (21,600,000)   $ (24,000,000)  
Total loans, net of deferred loan fees $ 8,076,506,000   $ 8,150,102,000  
Number of loans to debtors with nonperforming loans | loan 1   1  
Interest income on nonaccrual loans $ 0 $ 0    
Non accrual individually evaluated loan threshold 500,000      
Collateral dependent individually evaluated loan threshold 500,000      
Allowance for credit losses on loans 110,067,000 106,396,000 $ 109,853,000 $ 90,967,000
Asset Pledged as Collateral        
Loans and Leases Receivable Disclosure [Line Items]        
Total loans, net of deferred loan fees 6,500,000,000   6,500,000,000  
Consumer loans        
Loans and Leases Receivable Disclosure [Line Items]        
Allowance for credit losses on loans 3,113,000 3,295,000 2,992,000 2,900,000
Commercial and industrial        
Loans and Leases Receivable Disclosure [Line Items]        
Allowance for credit losses on loans $ 20,294,000 23,073,000 21,227,000 17,718,000
Real Estate        
Loans and Leases Receivable Disclosure [Line Items]        
Threshold percentage to write-off nonaccrual loans 90.00%      
Real Estate | Receivable Benchmark | Collateral Type Concentration Risk        
Loans and Leases Receivable Disclosure [Line Items]        
Concentration risk percentage 88.00%      
Hotel | Minimum        
Loans and Leases Receivable Disclosure [Line Items]        
Threshold percentage to write-off nonaccrual loans 10.00%      
Hotel | Maximum        
Loans and Leases Receivable Disclosure [Line Items]        
Threshold percentage to write-off nonaccrual loans 25.00%      
Non Real Estate        
Loans and Leases Receivable Disclosure [Line Items]        
Threshold percentage to write-off nonaccrual loans 75.00%      
Officers and Directors        
Loans and Leases Receivable Disclosure [Line Items]        
Total loans, net of deferred loan fees $ 64,600,000   63,700,000  
Number of new loans | loan 0      
Financing receivable, excluding accrued interest, advances $ 1,400,000      
Repayments received from related parties 500,000      
Officers and Directors | Unused lines of Credit        
Loans and Leases Receivable Disclosure [Line Items]        
Financing receivable, excluding accrued interest, available credit 1,200,000   2,700,000  
Residential Mortgage Loans        
Loans and Leases Receivable Disclosure [Line Items]        
Presold mortgages in process of settlement 1,600,000   1,000,000  
Unfunded Loan Commitment        
Loans and Leases Receivable Disclosure [Line Items]        
Allowance for credit losses on loans 10,768,000 $ 14,357,000 11,369,000 $ 13,306,000
SBA Loans        
Loans and Leases Receivable Disclosure [Line Items]        
Unamortized premium (discount) on acquired loans $ (3,400,000)   $ (3,500,000)  
XML 58 R47.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Loans, Allowance for Credit Losses, and Asset Quality Information - Summary of Nonperforming Assets (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Loans and Leases Receivable Disclosure [Line Items]    
Nonaccrual loans $ 35,622 $ 32,208
Total loans 8,076,506 8,150,102
Nonperforming Financial Instruments    
Loans and Leases Receivable Disclosure [Line Items]    
Nonaccrual loans 35,622 32,208
Modifications to borrowers in financial distress 10,999 11,719
Total loans 46,621 43,927
Foreclosed real estate 926 862
Total nonperforming assets $ 47,547 $ 44,789
XML 59 R48.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Loans, Allowance for Credit Losses, and Asset Quality Information - Schedule of Nonaccrual Loans (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Loans and Leases Receivable Disclosure [Line Items]    
Nonaccrual Loans with No Allowance $ 4,873 $ 8,559
Nonaccrual Loans with an Allowance 30,749 23,649
Total Nonaccrual Loans 35,622 32,208
Commercial and industrial    
Loans and Leases Receivable Disclosure [Line Items]    
Nonaccrual Loans with No Allowance 544 944
Nonaccrual Loans with an Allowance 12,157 8,932
Total Nonaccrual Loans 12,701 9,876
Real estate, commercial | Construction, development & other land loans    
Loans and Leases Receivable Disclosure [Line Items]    
Nonaccrual Loans with No Allowance 0 0
Nonaccrual Loans with an Allowance 61 399
Total Nonaccrual Loans 61 399
Real estate, commercial | Commercial real estate - owner occupied    
Loans and Leases Receivable Disclosure [Line Items]    
Nonaccrual Loans with No Allowance 879 960
Nonaccrual Loans with an Allowance 8,089 6,082
Total Nonaccrual Loans 8,968 7,042
Real estate, commercial | Commercial real estate - non owner occupied    
Loans and Leases Receivable Disclosure [Line Items]    
Nonaccrual Loans with No Allowance 1,890 6,121
Nonaccrual Loans with an Allowance 5,042 1,082
Total Nonaccrual Loans 6,932 7,203
Real estate, mortgage | Residential 1-4 family real estate    
Loans and Leases Receivable Disclosure [Line Items]    
Nonaccrual Loans with No Allowance 1,035 0
Nonaccrual Loans with an Allowance 3,462 4,843
Total Nonaccrual Loans 4,497 4,843
Real estate, mortgage | Home equity loans/lines of credit    
Loans and Leases Receivable Disclosure [Line Items]    
Nonaccrual Loans with No Allowance 525 534
Nonaccrual Loans with an Allowance 1,787 2,169
Total Nonaccrual Loans 2,312 2,703
Consumer loans    
Loans and Leases Receivable Disclosure [Line Items]    
Nonaccrual Loans with No Allowance 0 0
Nonaccrual Loans with an Allowance 151 142
Total Nonaccrual Loans $ 151 $ 142
XML 60 R49.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Loans, Allowance for Credit Losses, and Asset Quality Information - Accrued Interest Receivable Written Off (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Sep. 30, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]      
Accrued interest receivable written off $ 400 $ 156 $ 642
Commercial and industrial      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Accrued interest receivable written off 216 123 225
Real estate, commercial | Construction, development & other land loans      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Accrued interest receivable written off 0 0 10
Real estate, commercial | Commercial real estate - owner occupied      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Accrued interest receivable written off 148 11 124
Real estate, commercial | Commercial real estate - non owner occupied      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Accrued interest receivable written off 0 5 186
Real estate, mortgage | Residential 1-4 family real estate      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Accrued interest receivable written off 29 8 38
Real estate, mortgage | Home equity loans/lines of credit      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Accrued interest receivable written off 7 9 57
Consumer loans      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Accrued interest receivable written off $ 0 $ 0 $ 2
XML 61 R50.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Loans, Allowance for Credit Losses, and Asset Quality Information - Schedule of Analysis of Payment Status of Loans (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Financing Receivable, Past Due [Line Items]    
Loans $ 8,076,506 $ 8,150,102
Nonaccrual loans 35,622 32,208
Unamortized net deferred loan fees 240 (178)
Total 8,076,266 8,150,280
Accruing 30-59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 26,797 24,975
Accruing 60-89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 640 4,798
Current    
Financing Receivable, Past Due [Line Items]    
Loans 8,013,207 8,088,299
Commercial and industrial    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 12,701 9,876
Total 872,623 905,862
Commercial and industrial | Accruing 30-59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 1,850 3,726
Commercial and industrial | Accruing 60-89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 257 257
Commercial and industrial | Current    
Financing Receivable, Past Due [Line Items]    
Loans 857,815 892,003
Commercial and industrial | Loans, Excluding Purchased Credit Impaired Loans    
Financing Receivable, Past Due [Line Items]    
Total 872,623 905,862
Real estate, commercial | Construction, development & other land loans    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 61 399
Total 904,216 992,980
Real estate, commercial | Construction, development & other land loans | Accruing 30-59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 388 241
Real estate, commercial | Construction, development & other land loans | Accruing 60-89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 256
Real estate, commercial | Construction, development & other land loans | Current    
Financing Receivable, Past Due [Line Items]    
Loans 903,767 992,084
Real estate, commercial | Construction, development & other land loans | Loans, Excluding Purchased Credit Impaired Loans    
Financing Receivable, Past Due [Line Items]    
Total 904,216 992,980
Real estate, commercial | Commercial real estate - owner occupied    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 8,968 7,042
Total 1,238,759 1,259,022
Real estate, commercial | Commercial real estate - owner occupied | Accruing 30-59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 1,055 906
Real estate, commercial | Commercial real estate - owner occupied | Accruing 60-89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 404
Real estate, commercial | Commercial real estate - owner occupied | Current    
Financing Receivable, Past Due [Line Items]    
Loans 1,228,736 1,250,670
Real estate, commercial | Commercial real estate - owner occupied | Loans, Excluding Purchased Credit Impaired Loans    
Financing Receivable, Past Due [Line Items]    
Total 1,238,759 1,259,022
Real estate, commercial | Commercial real estate - non owner occupied    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 6,932 7,203
Total 2,524,221 2,528,060
Real estate, commercial | Commercial real estate - non owner occupied | Accruing 30-59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 6,944 361
Real estate, commercial | Commercial real estate - non owner occupied | Accruing 60-89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 95 0
Real estate, commercial | Commercial real estate - non owner occupied | Current    
Financing Receivable, Past Due [Line Items]    
Loans 2,510,250 2,520,496
Real estate, commercial | Commercial real estate - non owner occupied | Loans, Excluding Purchased Credit Impaired Loans    
Financing Receivable, Past Due [Line Items]    
Total 2,524,221 2,528,060
Real estate, commercial | Multi-family real estate    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 0 0
Total 457,142 421,376
Real estate, commercial | Multi-family real estate | Accruing 30-59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 0
Real estate, commercial | Multi-family real estate | Accruing 60-89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 0
Real estate, commercial | Multi-family real estate | Current    
Financing Receivable, Past Due [Line Items]    
Loans 457,142 421,376
Real estate, commercial | Multi-family real estate | Loans, Excluding Purchased Credit Impaired Loans    
Financing Receivable, Past Due [Line Items]    
Total 457,142 421,376
Real estate, mortgage | Residential 1-4 family real estate    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 4,497 4,843
Total 1,684,173 1,639,469
Real estate, mortgage | Residential 1-4 family real estate | Accruing 30-59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 15,682 18,868
Real estate, mortgage | Residential 1-4 family real estate | Accruing 60-89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 3,401
Real estate, mortgage | Residential 1-4 family real estate | Current    
Financing Receivable, Past Due [Line Items]    
Loans 1,663,994 1,612,357
Real estate, mortgage | Residential 1-4 family real estate | Loans, Excluding Purchased Credit Impaired Loans    
Financing Receivable, Past Due [Line Items]    
Total 1,684,173 1,639,469
Real estate, mortgage | Home equity loans/lines of credit    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 2,312 2,703
Total 328,466 335,068
Real estate, mortgage | Home equity loans/lines of credit | Accruing 30-59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 696 603
Real estate, mortgage | Home equity loans/lines of credit | Accruing 60-89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 222 349
Real estate, mortgage | Home equity loans/lines of credit | Current    
Financing Receivable, Past Due [Line Items]    
Loans 325,236 331,413
Real estate, mortgage | Home equity loans/lines of credit | Loans, Excluding Purchased Credit Impaired Loans    
Financing Receivable, Past Due [Line Items]    
Total 328,466 335,068
Consumer loans    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 151 142
Total 66,666 68,443
Consumer loans | Accruing 30-59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 182 270
Consumer loans | Accruing 60-89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 66 131
Consumer loans | Current    
Financing Receivable, Past Due [Line Items]    
Loans 66,267 67,900
Consumer loans | Loans, Excluding Purchased Credit Impaired Loans    
Financing Receivable, Past Due [Line Items]    
Total $ 66,666 $ 68,443
XML 62 R51.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Loans, Allowance for Credit Losses, and Asset Quality Information - Collateral Dependent Loans (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans $ 30,242 $ 10,182
Residential Property    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 1,560 534
Business Assets    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 1,141 2,385
Commercial Property    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 27,541 7,263
Commercial and industrial | Accruing 30-59 Days Past Due    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 878 2,385
Commercial and industrial | Accruing 30-59 Days Past Due | Residential Property    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 0 0
Commercial and industrial | Accruing 30-59 Days Past Due | Business Assets    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 878 2,385
Commercial and industrial | Accruing 30-59 Days Past Due | Commercial Property    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 0 0
Real estate, commercial | Accruing 30-59 Days Past Due | Construction, development & other land loans    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 3,715  
Real estate, commercial | Accruing 30-59 Days Past Due | Construction, development & other land loans | Residential Property    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 0  
Real estate, commercial | Accruing 30-59 Days Past Due | Construction, development & other land loans | Business Assets    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 263  
Real estate, commercial | Accruing 30-59 Days Past Due | Construction, development & other land loans | Commercial Property    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 3,452  
Real estate, commercial | Accruing 30-59 Days Past Due | Commercial real estate - owner occupied    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 8,645 1,142
Real estate, commercial | Accruing 30-59 Days Past Due | Commercial real estate - owner occupied | Residential Property    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 0 0
Real estate, commercial | Accruing 30-59 Days Past Due | Commercial real estate - owner occupied | Business Assets    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 0 0
Real estate, commercial | Accruing 30-59 Days Past Due | Commercial real estate - owner occupied | Commercial Property    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 8,645 1,142
Real estate, commercial | Accruing 30-59 Days Past Due | Commercial real estate - non owner occupied    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 15,444 6,121
Real estate, commercial | Accruing 30-59 Days Past Due | Commercial real estate - non owner occupied | Residential Property    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 0 0
Real estate, commercial | Accruing 30-59 Days Past Due | Commercial real estate - non owner occupied | Business Assets    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 0 0
Real estate, commercial | Accruing 30-59 Days Past Due | Commercial real estate - non owner occupied | Commercial Property    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 15,444 6,121
Real estate, mortgage | Accruing 30-59 Days Past Due | Residential 1-4 family real estate    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 1,035  
Real estate, mortgage | Accruing 30-59 Days Past Due | Residential 1-4 family real estate | Residential Property    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 1,035  
Real estate, mortgage | Accruing 30-59 Days Past Due | Residential 1-4 family real estate | Business Assets    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 0  
Real estate, mortgage | Accruing 30-59 Days Past Due | Residential 1-4 family real estate | Commercial Property    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 0  
Real estate, mortgage | Accruing 30-59 Days Past Due | Home equity loans/lines of credit    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 525 534
Real estate, mortgage | Accruing 30-59 Days Past Due | Home equity loans/lines of credit | Residential Property    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 525 534
Real estate, mortgage | Accruing 30-59 Days Past Due | Home equity loans/lines of credit | Business Assets    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans 0 0
Real estate, mortgage | Accruing 30-59 Days Past Due | Home equity loans/lines of credit | Commercial Property    
Loans and Leases Receivable Disclosure [Line Items]    
Total Collateral-Dependent Loans $ 0 $ 0
XML 63 R52.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Loans, Allowance for Credit Losses, and Asset Quality Information - Schedule of Activity in Allowance for Loan Losses for Loans (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Dec. 31, 2023
Accounts Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning balance $ 109,853 $ 90,967 $ 90,967
Initial ACL for acquired PCD loans   5,610 5,610
Charge-offs (2,115) (2,621) (10,175)
Recoveries 529 989 3,701
Provisions / (Reversals) 1,800 11,451 19,750
Ending balance 110,067 106,396 109,853
Commercial and industrial      
Accounts Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning balance 21,227 17,718 17,718
Initial ACL for acquired PCD loans   5,197 5,197
Charge-offs (1,585) (2,177) (8,358)
Recoveries 243 274 1,393
Provisions / (Reversals) 409 2,061 5,277
Ending balance 20,294 23,073 21,227
Real estate, commercial | Construction, development & other land loans      
Accounts Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning balance 13,940 15,128 15,128
Initial ACL for acquired PCD loans   49 49
Charge-offs (79) 0 (120)
Recoveries 97 65 370
Provisions / (Reversals) (2,175) 3,744 (1,487)
Ending balance 11,783 18,986 13,940
Real estate, commercial | Commercial real estate - owner occupied      
Accounts Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning balance 18,218 14,972 14,972
Initial ACL for acquired PCD loans   191 191
Charge-offs (58) 0 (144)
Recoveries 4 36 465
Provisions / (Reversals) (1) 883 2,734
Ending balance 18,163 16,082 18,218
Real estate, commercial | Commercial real estate - non owner occupied      
Accounts Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning balance 24,916 22,780 22,780
Initial ACL for acquired PCD loans   51 51
Charge-offs (158) (235) (235)
Recoveries 2 394 737
Provisions / (Reversals) 1,492 3,000 1,583
Ending balance 26,252 25,990 24,916
Real estate, commercial | Multi-family real estate      
Accounts Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning balance 3,825 2,957 2,957
Initial ACL for acquired PCD loans   0 0
Charge-offs 0 0 0
Recoveries 0 4 13
Provisions / (Reversals) 597 243 855
Ending balance 4,422 3,204 3,825
Real estate, mortgage | Residential 1-4 family real estate      
Accounts Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning balance 21,396 11,354 11,354
Initial ACL for acquired PCD loans   113 113
Charge-offs 0 0 (4)
Recoveries 121 146 377
Provisions / (Reversals) 1,187 672 9,556
Ending balance 22,704 12,285 21,396
Real estate, mortgage | Home equity loans/lines of credit      
Accounts Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning balance 3,339 3,158 3,158
Initial ACL for acquired PCD loans   8 8
Charge-offs 0 (2) (309)
Recoveries 5 34 98
Provisions / (Reversals) (8) 283 384
Ending balance 3,336 3,481 3,339
Consumer loans      
Accounts Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning balance 2,992 2,900 2,900
Initial ACL for acquired PCD loans   1 1
Charge-offs (235) (207) (1,005)
Recoveries 57 36 248
Provisions / (Reversals) 299 565 848
Ending balance $ 3,113 $ 3,295 $ 2,992
XML 64 R53.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Loans, Allowance for Credit Losses, and Asset Quality Information - Schedule of Recorded Investment in Loans by Credit Quality Indicators (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 $ 195,641   $ 1,886,592
2023 1,103,464   2,026,392
2022 1,842,567   1,690,561
2021 1,625,235   817,077
2020 854,140   382,928
Prior 1,663,766   537,330
Revolving 791,453   809,400
Total 8,076,266   8,150,280
Unamortized net deferred loan fees 240   (178)
Total loans, net of deferred loan fees 8,076,506   8,150,102
Total gross charge-offs, year to date      
2024 0   205
2023 83   1,115
2022 271   1,070
2021 2   560
2020 121   821
Prior 431   1,764
Revolving 1,207   4,640
Total 2,115 $ 2,621 10,175
Commercial and industrial      
Financing Receivable, Credit Quality Indicator [Line Items]      
Total 872,623   905,862
Total gross charge-offs, year to date      
Total 1,585 2,177 8,358
Consumer loans      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 4,500   16,627
2023 14,696   12,913
2022 11,307   5,044
2021 4,199   2,173
2020 1,833   435
Prior 788   463
Revolving 29,343   30,788
Total 66,666   68,443
Total gross charge-offs, year to date      
2024 0   34
2023 4   79
2022 16   73
2021 2   23
2020 0   0
Prior 0   1
Revolving 213   795
Total 235 207 1,005
Commercial and industrial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 25,371   141,193
2023 106,914   164,830
2022 145,987   111,956
2021 101,522   76,886
2020 79,998   40,590
Prior 121,433   65,785
Revolving 291,398   304,622
Total 872,623   905,862
Total gross charge-offs, year to date      
2024 0   171
2023 0   1,036
2022 255   713
2021 0   537
2020 121   821
Prior 215   1,547
Revolving 994   3,533
Total 1,585   8,358
Construction, development & other land loans | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 32,668   565,144
2023 317,614   232,431
2022 293,450   90,433
2021 91,160   16,662
2020 29,274   11,608
Prior 62,657   5,831
Revolving 77,393   70,871
Total 904,216   992,980
Total gross charge-offs, year to date      
2024 0   0
2023 79   0
2022 0   0
2021 0   0
2020 0   0
Prior 0   120
Revolving 0   0
Total 79 0 120
Commercial real estate - owner occupied | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 14,382   215,243
2023 137,499   327,890
2022 239,718   301,127
2021 253,330   198,055
2020 187,756   100,495
Prior 390,255   92,941
Revolving 15,819   23,271
Total 1,238,759   1,259,022
Total gross charge-offs, year to date      
2024 0   0
2023 0   0
2022 0   49
2021 0   0
2020 0   0
Prior 58   92
Revolving 0   3
Total 58 0 144
Commercial real estate - non owner occupied | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 18,100   521,820
2023 223,154   749,085
2022 615,174   722,522
2021 703,673   291,842
2020 308,735   121,332
Prior 625,658   92,116
Revolving 29,727   29,343
Total 2,524,221   2,528,060
Total gross charge-offs, year to date      
2024 0   0
2023 0   0
2022 0   235
2021 0   0
2020 0   0
Prior 158   0
Revolving 0   0
Total 158 235 235
Multi-family real estate | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 8,262   57,378
2023 25,784   137,533
2022 118,826   139,879
2021 168,105   43,881
2020 65,299   12,231
Prior 46,990   10,323
Revolving 23,876   20,151
Total 457,142   421,376
Total gross charge-offs, year to date      
2024 0   0
2023 0   0
2022 0   0
2021 0   0
2020 0   0
Prior 0   0
Revolving 0   0
Total 0 0 0
Residential 1-4 family real estate | Real estate, mortgage      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 92,125   365,939
2023 275,322   400,574
2022 417,272   318,191
2021 302,498   187,264
2020 180,864   95,626
Prior 412,921   268,628
Revolving 3,171   3,247
Total 1,684,173   1,639,469
Total gross charge-offs, year to date      
2024 0   0
2023 0   0
2022 0   0
2021 0   0
2020 0   0
Prior 0   4
Revolving 0   0
Total 0 0 4
Home equity loans/lines of credit | Real estate, mortgage      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 233   3,248
2023 2,481   1,136
2022 833   1,409
2021 748   314
2020 381   611
Prior 3,064   1,243
Revolving 320,726   327,107
Total 328,466   335,068
Total gross charge-offs, year to date      
2024 0   0
2023 0   0
2022 0   0
2021 0   0
2020 0   0
Prior 0   0
Revolving 0   309
Total 0 $ 2 309
Pass | Consumer loans      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 4,366   16,497
2023 14,673   12,906
2022 11,269   4,999
2021 4,156   2,173
2020 1,833   432
Prior 753   429
Revolving 29,307   30,757
Total 66,357   68,193
Pass | Commercial and industrial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 25,321   136,735
2023 106,744   161,131
2022 143,282   111,069
2021 99,028   75,312
2020 79,075   38,495
Prior 110,534   60,626
Revolving 287,258   302,684
Total 851,242   886,052
Pass | Construction, development & other land loans | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 32,667   563,998
2023 317,237   231,450
2022 292,169   90,374
2021 91,160   16,662
2020 29,049   11,598
Prior 58,583   5,816
Revolving 77,377   70,852
Total 898,242   990,750
Pass | Commercial real estate - owner occupied | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 14,382   210,449
2023 136,686   323,852
2022 234,302   299,135
2021 247,327   196,343
2020 186,254   92,452
Prior 367,230   86,784
Revolving 15,762   23,198
Total 1,201,943   1,232,213
Pass | Commercial real estate - non owner occupied | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 18,100   509,596
2023 223,154   748,854
2022 615,013   722,472
2021 703,015   287,235
2020 304,502   119,515
Prior 605,654   84,690
Revolving 28,277   29,001
Total 2,497,715   2,501,363
Pass | Multi-family real estate | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 8,262   57,378
2023 25,784   137,533
2022 118,826   139,879
2021 168,105   43,881
2020 65,299   12,231
Prior 46,319   10,323
Revolving 23,876   20,151
Total 456,471   421,376
Pass | Residential 1-4 family real estate | Real estate, mortgage      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 91,863   363,410
2023 275,322   400,483
2022 417,272   317,515
2021 302,005   186,459
2020 179,607   94,567
Prior 404,016   260,102
Revolving 3,171   3,247
Total 1,673,256   1,625,783
Pass | Home equity loans/lines of credit | Real estate, mortgage      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 233   2,830
2023 2,481   1,136
2022 833   1,141
2021 533   223
2020 290   499
Prior 2,614   1,233
Revolving 313,602   319,199
Total 320,586   326,261
Special Mention | Consumer loans      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   0
2023 0   0
2022 0   0
2021 0   0
2020 0   0
Prior 0   0
Revolving 0   0
Total 0   0
Special Mention | Commercial and industrial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   2,832
2023 86   2,547
2022 50   167
2021 1,877   185
2020 156   448
Prior 1,932   672
Revolving 3,114   1,135
Total 7,215   7,986
Special Mention | Construction, development & other land loans | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   489
2023 377   273
2022 891   59
2021 0   0
2020 158   2
Prior 3,931   4
Revolving 16   19
Total 5,373   846
Special Mention | Commercial real estate - owner occupied | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   338
2023 740   2,533
2022 3,939   271
2021 4,454   817
2020 296   5,755
Prior 12,373   2,253
Revolving 0   0
Total 21,802   11,967
Special Mention | Commercial real estate - non owner occupied | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   11,353
2023 0   199
2022 161   36
2021 0   393
2020 0   1,183
Prior 17,805   5,942
Revolving 1,450   342
Total 19,416   19,448
Special Mention | Multi-family real estate | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   0
2023 0   0
2022 0   0
2021 0   0
2020 0   0
Prior 671   0
Revolving 0   0
Total 671   0
Special Mention | Residential 1-4 family real estate | Real estate, mortgage      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   681
2023 0   41
2022 0   202
2021 31   64
2020 63   587
Prior 1,471   1,987
Revolving 0   0
Total 1,565   3,562
Special Mention | Home equity loans/lines of credit | Real estate, mortgage      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   163
2023 0   0
2022 0   122
2021 122   0
2020 0   0
Prior 165   0
Revolving 17   18
Total 304   303
Classified | Consumer loans      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 134   130
2023 23   7
2022 38   45
2021 43   0
2020 0   3
Prior 35   34
Revolving 36   31
Total 309   250
Classified | Commercial and industrial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 50   1,626
2023 84   1,152
2022 2,655   720
2021 617   1,389
2020 767   1,647
Prior 8,967   4,487
Revolving 1,026   803
Total 14,166   11,824
Classified | Construction, development & other land loans | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 1   657
2023 0   708
2022 390   0
2021 0   0
2020 67   8
Prior 143   11
Revolving 0   0
Total 601   1,384
Classified | Commercial real estate - owner occupied | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   4,456
2023 73   1,505
2022 1,477   1,721
2021 1,549   895
2020 1,206   2,288
Prior 10,652   3,904
Revolving 57   73
Total 15,014   14,842
Classified | Commercial real estate - non owner occupied | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   871
2023 0   32
2022 0   14
2021 658   4,214
2020 4,233   634
Prior 2,199   1,484
Revolving 0   0
Total 7,090   7,249
Classified | Multi-family real estate | Real estate, commercial      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   0
2023 0   0
2022 0   0
2021 0   0
2020 0   0
Prior 0   0
Revolving 0   0
Total 0   0
Classified | Residential 1-4 family real estate | Real estate, mortgage      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 262   1,848
2023 0   50
2022 0   474
2021 462   741
2020 1,194   472
Prior 7,434   6,539
Revolving 0   0
Total 9,352   10,124
Classified | Home equity loans/lines of credit | Real estate, mortgage      
Financing Receivable, Credit Quality Indicator [Line Items]      
2024 0   255
2023 0   0
2022 0   146
2021 93   91
2020 91   112
Prior 285   10
Revolving 7,107   7,890
Total $ 7,576   $ 8,504
XML 65 R54.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Loans, Allowance for Credit Losses, and Asset Quality Information - Schedule of Modifications (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis $ 1,333 $ 2,225
Percentage of loan modifications to total loans 0.02% 0.03%
Commercial and industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis $ 992 $ 1,598
Percentage of loan modifications to total loans 0.11% 0.18%
Real estate, commercial | Construction, development & other land loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis   $ 144
Percentage of loan modifications to total loans   0.01%
Real estate, commercial | Commercial real estate - non owner occupied    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis $ 115 $ 104
Percentage of loan modifications to total loans 0.00% 0.00%
Real estate, mortgage | Residential 1-4 family real estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis   $ 48
Percentage of loan modifications to total loans   0.00%
Real estate, mortgage | Home equity loans/lines of credit    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis $ 226 $ 103
Percentage of loan modifications to total loans 0.07% 0.03%
Consumer loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis   $ 228
Percentage of loan modifications to total loans   0.34%
Payment Deferral    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis $ 114 $ 156
Payment Deferral | Commercial and industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis 114 156
Payment Deferral | Real estate, commercial | Construction, development & other land loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis   0
Payment Deferral | Real estate, commercial | Commercial real estate - non owner occupied    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis 0 0
Payment Deferral | Real estate, mortgage | Residential 1-4 family real estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis   0
Payment Deferral | Real estate, mortgage | Home equity loans/lines of credit    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis 0 0
Payment Deferral | Consumer loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis   0
Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis 162 2,055
Term Extension | Commercial and industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis 0 1,442
Term Extension | Real estate, commercial | Construction, development & other land loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis   130
Term Extension | Real estate, commercial | Commercial real estate - non owner occupied    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis 115 104
Term Extension | Real estate, mortgage | Residential 1-4 family real estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis   48
Term Extension | Real estate, mortgage | Home equity loans/lines of credit    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis 47 103
Term Extension | Consumer loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis   228
Combination - Term Extension and Payment Delay    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis 878  
Combination - Term Extension and Payment Delay | Commercial and industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis 878  
Combination - Term Extension and Payment Delay | Real estate, commercial | Commercial real estate - non owner occupied    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis 0  
Combination - Term Extension and Payment Delay | Real estate, mortgage | Home equity loans/lines of credit    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis 0  
Combination - Interest Rate Reduction and Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis 179 14
Combination - Interest Rate Reduction and Term Extension | Commercial and industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis 0 0
Combination - Interest Rate Reduction and Term Extension | Real estate, commercial | Construction, development & other land loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis   14
Combination - Interest Rate Reduction and Term Extension | Real estate, commercial | Commercial real estate - non owner occupied    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis 0 0
Combination - Interest Rate Reduction and Term Extension | Real estate, mortgage | Residential 1-4 family real estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis   0
Combination - Interest Rate Reduction and Term Extension | Real estate, mortgage | Home equity loans/lines of credit    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis $ 179 0
Combination - Interest Rate Reduction and Term Extension | Consumer loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortization cost basis   $ 0
XML 66 R55.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Loans, Allowance for Credit Losses, and Asset Quality Information - Schedule of Financial Effect of Modifications (Details)
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Commercial and industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Weighted Average Interest Rate Reduction 0.00% 0.00%
Weighted Average Payment Delay (in months) 36 months 4 months
Weighted Average Term Extension (in months) 12 months 6 months
Real estate, commercial | Construction, development & other land loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Weighted Average Interest Rate Reduction   1.50%
Weighted Average Payment Delay (in months)   0 months
Weighted Average Term Extension (in months)   11 months
Real estate, commercial | Commercial real estate - non owner occupied    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Weighted Average Interest Rate Reduction 0.00% 0.00%
Weighted Average Payment Delay (in months) 0 months 0 months
Weighted Average Term Extension (in months) 13 months 12 months
Real estate, mortgage | Residential 1-4 family real estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Weighted Average Interest Rate Reduction   0.00%
Weighted Average Payment Delay (in months)   0 months
Weighted Average Term Extension (in months)   14 months
Real estate, mortgage | Home equity loans/lines of credit    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Weighted Average Interest Rate Reduction 2.09% 0.00%
Weighted Average Payment Delay (in months) 0 months 0 months
Weighted Average Term Extension (in months) 32 months 46 months
Consumer loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Weighted Average Interest Rate Reduction   0.00%
Weighted Average Payment Delay (in months)   0 months
Weighted Average Term Extension (in months)   3 months
XML 67 R56.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Loans, Allowance for Credit Losses, and Asset Quality Information - Schedule of Aging Modifications (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Mar. 31, 2023
Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 10,519 $ 11,640
Accruing 30-59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 145 79
Accruing 60-89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Accruing 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Commercial and industrial | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 2,186 2,841
Commercial and industrial | Accruing 30-59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 69 0
Commercial and industrial | Accruing 60-89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Commercial and industrial | Accruing 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Real estate, commercial | Construction, development & other land loans | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 131 362
Real estate, commercial | Construction, development & other land loans | Accruing 30-59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Real estate, commercial | Construction, development & other land loans | Accruing 60-89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Real estate, commercial | Construction, development & other land loans | Accruing 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Real estate, commercial | Commercial real estate - owner occupied | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 4,378 4,455
Real estate, commercial | Commercial real estate - owner occupied | Accruing 30-59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Real estate, commercial | Commercial real estate - owner occupied | Accruing 60-89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Real estate, commercial | Commercial real estate - owner occupied | Accruing 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Real estate, commercial | Commercial real estate - non owner occupied | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 115 206
Real estate, commercial | Commercial real estate - non owner occupied | Accruing 30-59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Real estate, commercial | Commercial real estate - non owner occupied | Accruing 60-89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Real estate, commercial | Commercial real estate - non owner occupied | Accruing 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Real estate, mortgage | Residential 1-4 family real estate | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 595 656
Real estate, mortgage | Residential 1-4 family real estate | Accruing 30-59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 76 79
Real estate, mortgage | Residential 1-4 family real estate | Accruing 60-89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Real estate, mortgage | Residential 1-4 family real estate | Accruing 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Real estate, mortgage | Home equity loans/lines of credit | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 3,111 3,114
Real estate, mortgage | Home equity loans/lines of credit | Accruing 30-59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Real estate, mortgage | Home equity loans/lines of credit | Accruing 60-89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Real estate, mortgage | Home equity loans/lines of credit | Accruing 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Consumer loans | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 3 6
Consumer loans | Accruing 30-59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Consumer loans | Accruing 60-89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Consumer loans | Accruing 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 0 $ 0
XML 68 R57.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Loans, Allowance for Credit Losses, and Asset Quality Information - Unfunded Loan Commitments (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Mar. 31, 2022
Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance $ 109,853 $ 90,967   $ 90,967
Initial provision for credit losses on unfunded commitments acquired from GrandSouth 1,800 11,451   19,750
Charge-offs (2,115) (2,621)   (10,175)
Recoveries 529 989   3,701
Ending balance 110,067 106,396   109,853
Unfunded Loan Commitment        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance 11,369 13,306   13,306
Initial provision for credit losses on unfunded commitments acquired from GrandSouth (601)   $ (870) (3,858)
Charge-offs 0   0 0
Recoveries 0   0 0
Ending balance 10,768 $ 14,357   11,369
Unfunded Loan Commitment | GrandSouth        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Initial provision for credit losses on unfunded commitments acquired from GrandSouth $ 0   $ 1,921 $ 1,921
XML 69 R58.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Goodwill and Other Intangible Assets (Summary of the Gross Carrying Amount and Accumulated Amortization of Intangible Assets) (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Mar. 31, 2023
Dec. 31, 2022
Amortizable intangible assets:        
Gross Carrying Amount $ 74,880 $ 74,656    
Accumulated Amortization 43,994 41,798    
Total 30,886 32,858    
Unamortizable intangible assets:        
Goodwill 478,750 478,750    
Intangibles before servicing assets        
Amortizable intangible assets:        
Gross Carrying Amount 60,690 60,690    
Accumulated Amortization 32,941 31,182    
Total 27,749 29,508    
Customer lists        
Amortizable intangible assets:        
Gross Carrying Amount 2,700 2,700    
Accumulated Amortization 2,247 2,167    
Total 453 533    
Core deposit intangibles        
Amortizable intangible assets:        
Gross Carrying Amount 57,890 57,890    
Accumulated Amortization 30,605 28,932    
Total 27,285 28,958    
Other intangibles        
Amortizable intangible assets:        
Gross Carrying Amount 100 100    
Accumulated Amortization 89 83    
Total 11 17    
SBA servicing assets        
Amortizable intangible assets:        
Gross Carrying Amount 14,190 13,966    
Accumulated Amortization 11,053 10,616    
Total $ 3,137 $ 3,350 $ 3,897 $ 4,004
XML 70 R59.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Goodwill and Other Intangible Assets (Narrative) (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Jun. 30, 2023
Mar. 31, 2023
Finite-Lived Intangible Assets [Line Items]      
Amortization of intangible assets $ 1,759   $ 2,145
SBA guaranteed servicing income $ 700   $ 1,000
Goodwill impairment   $ 0  
Customer lists      
Finite-Lived Intangible Assets [Line Items]      
Useful life 5 years    
Core deposit intangibles      
Finite-Lived Intangible Assets [Line Items]      
Useful life 10 years    
XML 71 R60.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Goodwill and Other Intangible Assets (Change in SBA Servicing Assets) (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Finite-Lived Intangible Assets [Roll Forward]    
Beginning balance, net $ 32,858  
Amortization of intangible assets 1,759 $ 2,145
Ending balance, net 30,886  
SBA servicing assets    
Finite-Lived Intangible Assets [Roll Forward]    
Beginning balance, net 3,350 4,004
Add: New servicing assets 224 77
Amortization of intangible assets 437 184
Ending balance, net $ 3,137 $ 3,897
XML 72 R61.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Goodwill and Other Intangible Assets (Schedule of the Estimated Amortization Expense) (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Finite-Lived Intangible Assets [Line Items]    
Total $ 30,886 $ 32,858
Intangibles before servicing assets    
Finite-Lived Intangible Assets [Line Items]    
April 1, 2024 to December 31, 2024 4,844  
2025 5,672  
2026 4,705  
2027 3,951  
2028 3,197  
Thereafter 5,380  
Total $ 27,749 $ 29,508
XML 73 R62.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Borrowings - Schedule of Borrowings (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Mar. 31, 2024
Dec. 31, 2023
Debt Instrument [Line Items]    
Total borrowings, gross $ 337,162 $ 635,175
Unamortized discount on acquired borrowings (4,827) (5,017)
Total borrowings $ 332,335 $ 630,158
Weighted average interest rate 5.56% 5.57%
FHLB Principal Reducing Credit Due June 26, 2028    
Debt Instrument [Line Items]    
Total borrowings, gross $ 200 $ 203
Fixed rate 0.25% 0.25%
FHLB Principal Reducing Credit Due July 17, 2028    
Debt Instrument [Line Items]    
Total borrowings, gross $ 29 $ 31
Fixed rate 0.00% 0.00%
FHLB Principal Reducing Credit Due August 18, 2028    
Debt Instrument [Line Items]    
Total borrowings, gross $ 148 $ 151
Fixed rate 1.00% 1.00%
FHLB Principal Reducing Credit Due August 22, 2028    
Debt Instrument [Line Items]    
Total borrowings, gross $ 149 $ 151
Fixed rate 1.00% 1.00%
FHLB Principal Reducing Credit Due December 20, 2028    
Debt Instrument [Line Items]    
Total borrowings, gross $ 312 $ 315
Fixed rate 0.50% 0.50%
FRB Bank Term Funding Program Due December 20th, 2024    
Debt Instrument [Line Items]    
Total borrowings, gross $ 174,000 $ 224,000
Fixed rate 4.85% 4.85%
FRB Bank Term Funding Program Due December 27th, 2024    
Debt Instrument [Line Items]    
Total borrowings, gross $ 25,000 $ 25,000
Fixed rate 4.83% 4.83%
FRB Bank Term Funding Program Due January 10th, 2025    
Debt Instrument [Line Items]    
Total borrowings, gross $ 32,000  
Fixed rate 4.81%  
Trust Preferred Securities Due January 23, 2034    
Debt Instrument [Line Items]    
Total borrowings, gross $ 10,310 $ 10,310
Weighted average interest rate 8.23% 8.30%
Trust Preferred Securities Due January 23, 2034 | 3 Month CME Term SOFR    
Debt Instrument [Line Items]    
Basis spread on variable rate (as a percent) 2.91% 2.91%
Trust Preferred Securities Due On January 23, 2034    
Debt Instrument [Line Items]    
Total borrowings, gross $ 10,310 $ 10,310
Weighted average interest rate 8.33% 8.40%
Basis spread on variable rate (as a percent)   3.01%
Trust Preferred Securities Due On January 23, 2034 | 3 Month CME Term SOFR    
Debt Instrument [Line Items]    
Basis spread on variable rate (as a percent) 3.01%  
Trust Preferred Securities Due September 20, 2034    
Debt Instrument [Line Items]    
Total borrowings, gross $ 12,372 $ 12,372
Weighted average interest rate 7.74% 7.78%
Trust Preferred Securities Due September 20, 2034 | 3 Month CME Term SOFR    
Debt Instrument [Line Items]    
Basis spread on variable rate (as a percent) 2.41% 2.41%
Trust Preferred Securities Due January 7, 2035    
Debt Instrument [Line Items]    
Total borrowings, gross $ 10,310 $ 10,310
Weighted average interest rate 7.58% 7.66%
Trust Preferred Securities Due January 7, 2035 | 3 Month CME Term SOFR    
Debt Instrument [Line Items]    
Basis spread on variable rate (as a percent) 2.00% 2.00%
Trust Preferred Securities Due June 15, 2036    
Debt Instrument [Line Items]    
Total borrowings, gross $ 25,774 $ 25,774
Weighted average interest rate 6.98% 7.04%
Trust Preferred Securities Due June 15, 2036 | 3 Month CME Term SOFR    
Debt Instrument [Line Items]    
Basis spread on variable rate (as a percent) 1.65% 1.65%
Trust Preferred Securities Due June 23, 2036    
Debt Instrument [Line Items]    
Total borrowings, gross $ 8,248 $ 8,248
Weighted average interest rate 7.43% 7.47%
Trust Preferred Securities Due June 23, 2036 | 3 Month CME Term SOFR    
Debt Instrument [Line Items]    
Basis spread on variable rate (as a percent) 2.11% 2.11%
Subordinated Debentures Due November 30, 2028    
Debt Instrument [Line Items]    
Total borrowings, gross $ 10,000 $ 10,000
Fixed rate 8.99%  
Weighted average interest rate   9.09%
Subordinated Debentures Due November 30, 2028 | 3 Month CME Term SOFR    
Debt Instrument [Line Items]    
Basis spread on variable rate (as a percent) 3.69% 3.69%
Subordinated Debentures Due November 15, 2030    
Debt Instrument [Line Items]    
Total borrowings, gross $ 18,000 $ 18,000
Fixed rate 4.38% 4.38%
FHLB Fixed Rate Credit Due January 16th, 2024    
Debt Instrument [Line Items]    
Total borrowings, gross   $ 80,000
Fixed rate   5.59%
FHLB Fixed Rate Credit Due February 27th, 2024    
Debt Instrument [Line Items]    
Total borrowings, gross   $ 100,000
Fixed rate   5.61%
FHLB Fixed Rate Credit Due March 20th, 2024    
Debt Instrument [Line Items]    
Total borrowings, gross   $ 100,000
Fixed rate   5.61%
XML 74 R63.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Leases (Narrative) (Details)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
USD ($)
branchOffice
Mar. 31, 2023
USD ($)
Dec. 31, 2023
USD ($)
Lessee, Lease, Description [Line Items]      
Weighted average remaining lease term 19 years 10 months 24 days    
Weighted average discount rate 3.22%   3.19%
Total operating lease expense $ 700 $ 800  
Operating right-of-use lease assets 16,551   $ 17,063
Operating lease liabilities $ 17,343   $ 17,833
Minimum      
Lessee, Lease, Description [Line Items]      
Option extension period 5 years    
Maximum      
Lessee, Lease, Description [Line Items]      
Option extension period 10 years    
Land and Building      
Lessee, Lease, Description [Line Items]      
Number of branch locations | branchOffice 16    
Land      
Lessee, Lease, Description [Line Items]      
Number of branch locations | branchOffice 10    
XML 75 R64.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Leases (Schedule of Estimated Lease Payments) (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Lessee Disclosure [Abstract]    
April 1, 2024 to December 31, 2024 $ 1,813  
2025 1,914  
2026 1,633  
2027 1,359  
2028 1,267  
Thereafter 17,222  
Total undiscounted lease payments 25,208  
Less effect of discounting (7,865)  
Present value of estimated lease payments (lease liability) $ 17,343 $ 17,833
XML 76 R65.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Pension Plans (Narrative) (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Mar. 31, 2024
Dec. 31, 2023
Mar. 31, 2023
Dec. 31, 2023
Defined Contribution Plan Disclosure [Line Items]        
Net periodic pension cost (income) $ 63   $ 51  
Pension Plan        
Defined Contribution Plan Disclosure [Line Items]        
Benefits paid   $ 9,200    
Payment for settlement       $ 19,500
Benefit obligation   $ 0   $ 0
Net periodic pension cost (income)     $ 159  
XML 77 R66.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Pension Plans (Components of Pension Cost) (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Defined Benefit Plan Disclosure [Line Items]    
Service cost   $ 0
Interest cost   295
Expected return on plan assets   (288)
Amortization of net loss (gain)   44
Net periodic pension cost $ 63 51
SERP    
Defined Benefit Plan Disclosure [Line Items]    
Service cost 0 0
Interest cost 38 28
Expected return on plan assets 0 0
Amortization of net loss (gain) 25 (136)
Net periodic pension cost $ 63 (108)
Pension Plan    
Defined Benefit Plan Disclosure [Line Items]    
Service cost   0
Interest cost   267
Expected return on plan assets   (288)
Amortization of net loss (gain)   180
Net periodic pension cost   $ 159
XML 78 R67.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Fair Value of Financial Instruments (Financial instruments Measured at Fair Value) (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale $ 2,088,483 $ 2,189,379
Derivative Asset, Statement of Financial Position [Extensible Enumeration] Other assets Other assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration] Other liabilities Other liabilities
U.S. Treasuries    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale $ 123,770 $ 172,570
Government-sponsored enterprise securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 59,959 60,266
Mortgage-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 1,886,949 1,937,784
Recurring | U.S. Treasuries    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale   172,570
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 0 0
Derivative Assets 0 0
Presold mortgages in process of settlement 0 0
Derivative Liabilities 0 0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring | U.S. Treasuries    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 0 0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring | Government-sponsored enterprise securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 0 0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring | Mortgage-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 0 0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring | Corporate bonds    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 0 0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Nonrecurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Individually evaluated loans 0 0
Significant Other Observable Inputs (Level 2) | Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 2,088,483 2,189,379
Derivative Assets 0 295
Presold mortgages in process of settlement 6,703 2,667
Derivative Liabilities 30 349
Significant Other Observable Inputs (Level 2) | Recurring | U.S. Treasuries    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 123,770 172,570
Significant Other Observable Inputs (Level 2) | Recurring | Government-sponsored enterprise securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 59,959 60,266
Significant Other Observable Inputs (Level 2) | Recurring | Mortgage-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 1,886,949 1,937,784
Significant Other Observable Inputs (Level 2) | Recurring | Corporate bonds    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 17,805 18,759
Significant Other Observable Inputs (Level 2) | Nonrecurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Individually evaluated loans 0 0
Significant Unobservable Inputs (Level 3) | Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 0 0
Derivative Assets 0 0
Presold mortgages in process of settlement 0 0
Derivative Liabilities 0 0
Significant Unobservable Inputs (Level 3) | Recurring | U.S. Treasuries    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 0 0
Significant Unobservable Inputs (Level 3) | Recurring | Government-sponsored enterprise securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 0 0
Significant Unobservable Inputs (Level 3) | Recurring | Mortgage-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 0 0
Significant Unobservable Inputs (Level 3) | Recurring | Corporate bonds    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 0 0
Significant Unobservable Inputs (Level 3) | Nonrecurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Individually evaluated loans 4,638 1,953
Estimated Fair Value | Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 2,088,483 2,189,379
Derivative Assets 0 295
Presold mortgages in process of settlement 6,703 2,667
Derivative Liabilities 30 349
Estimated Fair Value | Recurring | U.S. Treasuries    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 123,770  
Estimated Fair Value | Recurring | Government-sponsored enterprise securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 59,959 60,266
Estimated Fair Value | Recurring | Mortgage-backed securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 1,886,949 1,937,784
Estimated Fair Value | Recurring | Corporate bonds    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale 17,805 18,759
Estimated Fair Value | Nonrecurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Individually evaluated loans $ 4,638 $ 1,953
XML 79 R68.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Fair Value of Financial Instruments (Schedule of Significant Unobservable Inputs) (Details) - Significant Unobservable Inputs (Level 3) - Financing Receivable, Collateral Dependent
$ in Thousands
Mar. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Individually evaluated loans $ 4,638 $ 1,953
Appraised value | Discount rate    
Fair Value Measurement Inputs and Valuation Techniques [Line Items]    
Individually evaluated loans, measurement input (as a percent) 0.10 0.10
XML 80 R69.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Fair Value of Financial Instruments (Schedule of Carrying Amounts and Estimated Fair Values of Financial Instruments) (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Cash and due from banks, noninterest-bearing $ 87,181 $ 100,891
Securities held to maturity 525,627 533,678
Total loans, net of allowance 7,966,439 8,040,249
Accrued interest receivable 35,147 37,351
Bank-owned life insurance 185,061 183,897
Accrued interest payable 9,847 5,699
Carrying Amount | Quoted Prices in Active Markets for Identical Assets (Level 1)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Cash and due from banks, noninterest-bearing 87,181 100,891
Due from banks, interest-bearing 266,661 136,964
Accrued interest receivable 35,147 37,351
Bank-owned life insurance 185,061 183,897
Carrying Amount | Significant Other Observable Inputs (Level 2)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities held to maturity 525,627 533,678
Demand deposits, money market and savings 9,136,213 9,052,905
Time deposits 1,167,098 978,694
Borrowings 332,335 630,158
Accrued interest payable 9,847 5,699
Carrying Amount | Significant Unobservable Inputs (Level 3)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total loans, net of allowance 7,966,439 8,040,249
SBA Servicing Asset 3,137 3,351
Estimated Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Cash and due from banks, noninterest-bearing 87,181 100,891
Due from banks, interest-bearing 266,661 136,964
Accrued interest receivable 35,147 37,351
Bank-owned life insurance 185,061 183,897
Estimated Fair Value | Significant Other Observable Inputs (Level 2)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities held to maturity 436,655 449,623
Demand deposits, money market and savings 9,136,213 9,052,905
Time deposits 1,160,751 972,513
Borrowings 318,292 615,614
Accrued interest payable 9,847 5,699
Estimated Fair Value | Significant Unobservable Inputs (Level 3)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total loans, net of allowance 7,198,019 7,379,079
SBA Servicing Asset $ 3,984 $ 4,049
XML 81 R70.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Stock-Based Compensation (Narrative) (Details)
 3 Months Ended 12 Months Ended
Mar. 31, 2024
USD ($)
director
shares
Mar. 31, 2023
USD ($)
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Stock based compensation expense $ 700,000 $ 1,100,000    
Stock-based compensation tax benefit $ 153,000 $ 259,000    
Non-Employee Director Awards        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Number of directors | director 14      
Director equity grants granted, value       $ 37,500
Non-Employee Director Awards | Forecast        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Director equity grants granted, value     $ 37,500  
Long-Term Restricted Stock Awards        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Unrecognized compensation expense $ 4,600,000      
Unrecognized compensation expense, period for recognition 1 year 8 months 12 days      
Long-Term Restricted Stock Awards | Next Twelve Months        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Unrecognized compensation expense $ 3,000,000.0      
Long-Term Restricted Stock Awards | Remaining Quarters of 2022        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Unrecognized compensation expense $ 2,600,000      
First Bancorp 2014 Equity Plan        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Shares remaining available for grant | shares 191,593      
XML 82 R71.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Stock-Based Compensation (Schedule of Outstanding Restricted Stock) (Details) - Long-Term Restricted Stock Awards
 3 Months Ended
Mar. 31, 2024
$ / shares
shares
Number of Units  
Nonvested, beginning (in shares) | shares 291,291
Granted during the period (in shares) | shares 13,905
Vested during the period (in shares) | shares (10,614)
Forfeited or expired during the period (in shares) | shares 0
Nonvested, ending (in shares) | shares 294,582
Weighted-Average Grant-Date Fair Value  
Nonvested, beginning (in dollars per share) | $ / shares $ 38.01
Granted during the period (in dollars per share) | $ / shares 35.26
Vested during the period (in dollars per share) | $ / shares 41.62
Forfeited or expired during the period (in dollars per share) | $ / shares 0
Nonvested, ending (in dollars per share) | $ / shares $ 37.31
XML 83 R72.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Earnings Per Share (Details) - USD ($)
$ / shares in Units, $ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Basic EPS:    
Net income $ 25,272 $ 15,161
Less: income allocated to restricted stock (178) (109)
Basic EPS per common share $ 25,094 $ 15,052
Basic (in shares) 40,843,865 40,583,417
Basic (in dollars per share) $ 0.61 $ 0.37
Diluted EPS:    
Net income $ 25,272 $ 15,161
Effect of dilutive securities 0 0
Diluted EPS per common share $ 25,272 $ 15,161
Basic (in shares) 40,843,865 40,583,417
Effect of dilutive securities (in shares) 405,771 529,275
Diluted (in shares) 41,249,636 41,112,692
Diluted (in dollars per share) $ 0.61 $ 0.37
XML 84 R73.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Accumulated Other Comprehensive Income (Loss) (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Accumulated Other Comprehensive Income (Loss) [Line Items]    
Total accumulated other comprehensive income (loss) $ (321,973) $ (308,030)
Unrealized Loss on Securities Available for Sale    
Accumulated Other Comprehensive Income (Loss) [Line Items]    
Total accumulated other comprehensive income (loss) (418,888) (400,720)
Deferred tax asset 96,973 92,767
Total accumulated other comprehensive income (loss) (321,915) (307,953)
Postretirement Plans Asset (Liability)    
Accumulated Other Comprehensive Income (Loss) [Line Items]    
Total accumulated other comprehensive income (loss) (75) (100)
Deferred tax asset 17 23
Total accumulated other comprehensive income (loss) $ (58) $ (77)
XML 85 R74.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Accumulated Other Comprehensive Income (Loss) - Schedule of Changes in Accumulated Other Comprehensive Loss (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
AOCI Attributable to Parent, Net of Tax [Roll Forward]    
Beginning balance $ 1,372,380 $ 1,031,596
Other comprehensive loss before reclassifications (14,711) 27,908
Amounts reclassified from accumulated other comprehensive income 768 33
Net current-period other comprehensive (loss) income (13,943) 27,941
Ending balance 1,376,099 1,299,961
Unrealized Loss on Securities Available for Sale    
AOCI Attributable to Parent, Net of Tax [Roll Forward]    
Beginning balance (307,953) (342,017)
Other comprehensive loss before reclassifications (14,711) 27,908
Amounts reclassified from accumulated other comprehensive income 749 0
Net current-period other comprehensive (loss) income (13,962) 27,908
Ending balance (321,915) (314,109)
Postretirement Plans Asset (Liability)    
AOCI Attributable to Parent, Net of Tax [Roll Forward]    
Beginning balance (77) 42
Other comprehensive loss before reclassifications 0 0
Amounts reclassified from accumulated other comprehensive income 19 33
Net current-period other comprehensive (loss) income 19 33
Ending balance (58) 75
Total    
AOCI Attributable to Parent, Net of Tax [Roll Forward]    
Beginning balance (308,030) (341,975)
Ending balance $ (321,973) $ (314,034)
XML 86 R75.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Revenue from Contracts with Customers (Schedule of Noninterest Income) (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Noninterest Income    
Service charges on deposit accounts $ 3,868 $ 3,894
Other service charges, commissions and fees:    
Bankcard interchange income, net 2,314 2,582
Other service charges and fees 1,848 3,318
Commissions from the sales of financial products 1,320 1,306
SBA consulting fees 257 521
Noninterest income (in-scope of ASC 606) 9,607 11,621
Noninterest income (out-of-scope of ASC 606) 3,331 1,915
Total noninterest income $ 12,938 $ 13,536
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