0000857855-22-000043 | 10-Q | XBRL Viewer | United Community Banks INC

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Cover - shares	6 Months Ended
Cover - shares	Jun. 30, 2022	Jul. 31, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2022
Document Transition Report	false
Entity File Number	001-35095
Entity Registrant Name	UNITED COMMUNITY BANKS, INC.
Entity Incorporation, State or Country Code	GA
Entity Tax Identification Number	58-1807304
Entity Address, Address Line One	125 Highway 515 East
Entity Address, City or Town	Blairsville
Entity Address, State or Province	GA
Entity Address, Postal Zip Code	30512
City Area Code	706
Local Phone Number	781-2265
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		106,062,838
Entity Central Index Key	0000857855
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q2
Amendment Flag	false
Common stock, par value $1 per share
Entity Listings [Line Items]
Title of 12(b) Security	Common stock, par value $1 per share
Trading Symbol	UCBI
Security Exchange Name	NASDAQ
Depositary shares, each representing 1/1000th interest in a share of Series I Non-Cumulative Preferred Stock
Entity Listings [Line Items]
Title of 12(b) Security	Depositary shares, each representing 1/1000th interest in a share of Series I Non-Cumulative Preferred Stock
Trading Symbol	UCBIO
Security Exchange Name	NASDAQ

Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 238,310	$ 144,244
Interest-bearing deposits in banks	977,397	2,147,266
Federal funds and other short-term investments	0	27,000
Cash and cash equivalents	1,215,707	2,318,510
Debt securities available-for-sale	3,960,285	4,496,824
Debt securities held-to-maturity (fair value $2,431,138 and $1,148,804, respectively)	2,722,475	1,156,098
Loans held for sale	40,678	44,109
Loans and leases held for investment	14,541,230	11,760,346
Less allowance for credit losses - loans and leases	(136,925)	(102,532)
Loans and leases, net	14,404,305	11,657,814
Premises and equipment, net	286,248	245,296
Bank owned life insurance	299,104	217,713
Goodwill and other intangible assets, net	782,544	472,407
Other assets	501,662	338,000
Total assets	24,213,008	20,946,771
Deposits:
Noninterest-bearing demand	8,155,494	6,956,981
Interest-bearing deposits	12,717,589	11,284,198
Total deposits	20,873,083	18,241,179
Long-term debt	324,371	247,360
Accrued expenses and other liabilities	364,266	235,987
Total liabilities	21,561,720	18,724,526
Shareholders' equity:
Preferred stock, $1 par value: 10,000,000 shares authorized; 4,000 shares Series I issued and outstanding; $25,000 per share liquidation preference	96,422	96,422
Common stock, $1 par value: 200,000,000 shares authorized, 106,033,960 and 89,349,826 shares issued and outstanding, respectively	106,034	89,350
Common stock issuable: 578,251 and 595,705 shares, respectively	11,448	11,288
Capital surplus	2,304,608	1,721,007
Retained earnings	396,970	330,654
Accumulated other comprehensive loss	(264,194)	(26,476)
Total shareholders' equity	2,651,288	2,222,245
Total liabilities and shareholders' equity	$ 24,213,008	$ 20,946,771

Consolidated Balance Sheets (Unaudited) (Parenthetical) - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
HTM debt securities	$ 2,431,138,000	$ 1,148,804,000
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock authorized (in shares)	10,000,000	10,000,000
Preferred stock issued (in shares)	4,000	4,000
Preferred stock liquidation preference (in dollars per share)	$ 25,000	$ 25,000
Preferred stock outstanding (in shares)	4,000	4,000
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock authorized (in shares)	200,000,000	200,000,000
Common stock issued (in shares)	106,033,960	89,349,826
Common stock outstanding (in shares)	106,033,960	89,349,826
Common stock issuable (in shares)	578,251	595,705

Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Interest revenue:
Loans, including fees	$ 155,266	$ 128,058	$ 302,007	$ 253,784
Investment securities, including tax exempt of $2,539, $2,255, $5,194 and $4,405, respectively	30,425	17,542	54,090	32,990
Deposits in banks and short-term investments	1,687	209	2,340	577
Total interest revenue	187,378	145,809	358,437	287,351
Interest expense:
Deposits	4,302	3,620	7,433	8,839
Short-term borrowings	0	0	0	2
Long-term debt	4,173	3,813	8,309	8,070
Total interest expense	8,475	7,433	15,742	16,911
Net interest revenue	178,903	138,376	342,695	270,440
Provision for (release of) credit losses	5,604	(13,588)	28,690	(25,869)
Net interest revenue after provision for credit losses	173,299	151,964	314,005	296,309
Noninterest income:
Wealth management fees	5,985	3,822	11,880	7,327
Gains from sales of other loans, net	3,800	4,123	6,998	5,153
Lending and loan servicing fees	1,586	2,085	4,572	4,245
Securities gains (losses), net	46	41	(3,688)	41
Other	5,065	6,299	10,471	14,167
Total noninterest income	33,458	35,841	72,431	80,546
Total revenue	206,757	187,805	386,436	376,855
Noninterest expenses:
Salaries and employee benefits	69,233	59,414	140,239	119,999
Communications and equipment	9,675	7,408	18,923	14,611
Occupancy	8,865	7,078	18,243	14,034
Advertising and public relations	2,300	1,493	3,788	2,692
Postage, printing and supplies	1,999	1,618	4,118	3,440
Professional fees	5,402	4,928	9,849	9,162
Lending and loan servicing expense	3,047	3,181	5,413	6,058
Outside services - electronic banking	2,947	2,285	5,470	4,503
FDIC assessments and other regulatory charges	2,267	1,901	4,440	3,797
Amortization of intangibles	1,736	929	3,529	1,914
Merger-related and other charges	7,143	1,078	16,159	2,621
Other	6,176	4,227	9,894	7,903
Total noninterest expenses	120,790	95,540	240,065	190,734
Income before income taxes	85,967	92,265	146,371	186,121
Income tax expense	19,125	22,005	31,510	42,155
Net income	66,842	70,260	114,861	143,966
Net income available to common shareholders, basic	64,761	68,109	110,827	139,634
Net income available to common shareholders, diluted	$ 64,761	$ 68,109	$ 110,827	$ 139,634
Net income per common share:
Basic (in dollars per share)	$ 0.61	$ 0.78	$ 1.04	$ 1.60
Diluted (in dollars per share)	$ 0.61	$ 0.78	$ 1.04	$ 1.60
Weighted average common shares outstanding:
Basic (in shares)	106,610	87,289	106,580	87,306
Diluted (in shares)	106,716	87,421	106,697	87,443
Service charges and fees
Noninterest income:
Service charges and other related fees	$ 10,005	$ 8,335	$ 19,075	$ 15,905
Mortgage loan gains and other related fees
Noninterest income:
Service charges and other related fees	$ 6,971	$ 11,136	$ 23,123	$ 33,708

Consolidated Statements of Income (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Income Statement [Abstract]
Investment securities, tax exempt	$ 2,539	$ 2,255	$ 5,194	$ 4,405

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Statement of Comprehensive Income [Abstract]
Net income, Before-tax Amount	$ 85,967	$ 92,265	$ 146,371	$ 186,121
Net income, Tax (Expense) Benefit	(19,125)	(22,005)	(31,510)	(42,155)
Net income	66,842	70,260	114,861	143,966
Unrealized gains (losses) on available-for-sale securities:
Unrealized holding losses, Before-tax Amount	(120,968)	10,268	(324,853)	(39,967)
Unrealized holding losses, Tax (Expense) Benefit	28,801	(1,470)	76,774	11,080
Unrealized holding losses, Net of Tax Amount	(92,167)	8,798	(248,079)	(28,887)
Reclassification of securities from available-for-sale to held-to-maturity, Before-tax Amount	30,041		87,444
Reclassification of securities from available-for-sale to held-to-maturity, Tax (Expense) Benefit	(7,178)		(20,770)
Reclassification of securities from available-for-sale to held-to-maturity, Net of Tax Amount	22,863		66,674
Realized (gains) losses included in net income, Before-tax Amount	(46)	(41)	3,688	(41)
Realized (gains) losses included in net income, Tax (Expense) Benefit	11	14	(979)	14
Realized (gains) losses included in net income, Net of Tax Amount	(35)	(27)	2,709	(27)
Net unrealized (gains) losses, Before-tax Amount	(90,973)	10,227	(233,721)	(40,008)
Net unrealized (gains) losses, Tax (Expense) Benefit	21,634	(1,456)	55,025	11,094
Net unrealized (gains) losses, Net of Tax Amount	(69,339)	8,771	(178,696)	(28,914)
Unrealized losses on held-to-maturity securities transferred from available-for-sale:
Reclassification of unrealized losses, Before-tax Amount	(30,041)		(87,444)
Reclassification of unrealized losses, Tax (Expense) Benefit	7,178		20,770
Reclassification of unrealized losses, Net of Tax Amount	(22,863)		(66,674)
Amortization of unrealized losses, Before-tax amount	1,769		1,769
Amortization of unrealized losses, Tax (Expense) Benefit	(422)		(422)
Amortization of unrealized losses, , Net of Tax Amount	1,347		1,347
Net activity, Before-tax Amount	(28,272)		(85,675)
Net activity, Tax (Expense) Benefit	6,756		20,348
Net activity, Net of Tax Amount	(21,516)		(65,327)
Derivative instruments designated as cash flow hedges:
Unrealized holding gains (losses) on derivatives, Before-tax Amount	2,412	(2,739)	7,880	3,044
Unrealized holding gains (losses) on derivatives, Tax (Expense) Benefit	(616)	700	(2,013)	(777)
Unrealized holding gains (losses) on derivatives, Net of Tax Amount	1,796	(2,039)	5,867	2,267
Losses on derivative instruments realized in net income, Before-tax Amount	106	147	247	291
Losses on derivative instruments realized in net income, Tax (Expense) Benefit	(27)	(37)	(63)	(74)
Losses on derivative instruments realized in net income, Net of Tax Amount	79	110	184	217
Net cash flow hedge activity, Before-tax Amount	2,518	(2,592)	8,127	3,335
Net cash flow hedge activity, Tax (Expense) Benefit	(643)	663	(2,076)	(851)
Net cash flow hedge activity, Net of tax Amount	1,875	(1,929)	6,051	2,484
Amortization of defined benefit pension plan net periodic pension cost components, Before-tax Amount	171	261	341	522
Amortization of defined benefit pension plan net periodic pension cost components, Tax (Expense) Benefit	(44)	(67)	(87)	(134)
Amortization of defined benefit pension plan net periodic pension cost components, Net of Tax Amount	127	194	254	388
Total other comprehensive income (loss), Before-tax Amount	(116,556)	7,896	(310,928)	(36,151)
Total other comprehensive income (loss), Tax (Expense) Benefit	27,703	(860)	73,210	10,109
Total other comprehensive income (loss), Net of Tax Amount	(88,853)	7,036	(237,718)	(26,042)
Comprehensive income (loss), Before-tax Amount	(30,589)	100,161	(164,557)	149,970
Comprehensive income (loss), Tax (Expense) Benefit	8,578	(22,865)	41,700	(32,046)
Comprehensive income (loss), Net of Tax Amount	$ (22,011)	$ 77,296	$ (122,857)	$ 117,924

Consolidated Statement of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Total	Common Stock	Preferred Stock	Common Stock Issuable	Capital Surplus	Retained Earnings	Accumulated Other Comprehensive Income (Loss)
Beginning balance (shares) at Dec. 31, 2020		86,675,279
Beginning balance at Dec. 31, 2020	$ 2,007,530	$ 86,675	$ 96,422	$ 10,855	$ 1,638,999	$ 136,869	$ 37,710
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	143,966					143,966
Other comprehensive loss	(26,042)						(26,042)
Impact of acquisitions	0
Preferred stock dividends	(3,438)					(3,438)
Common stock dividends	(33,391)					(33,391)
Purchases of common stock (in shares)		(150,000)
Purchases of common stock	(5,101)	$ (150)			(4,951)
Impact of equity-based compensation awards (in shares)		70,845
Impact of equity-based compensation awards	2,288	$ 71		647	1,570
Impact of other United sponsored equity plans (in shares)		68,770
Impact of other United sponsored equity plans	474	$ 69		(852)	1,257
Ending balance at Jun. 30, 2021	2,086,286	$ 86,665	96,422	10,650	1,636,875	244,006	11,668
Ending balance (shares) at Jun. 30, 2021		86,664,894
Beginning balance (shares) at Mar. 31, 2021		86,776,508
Beginning balance at Mar. 31, 2021	2,031,084	$ 86,777	96,422	10,485	1,640,583	192,185	4,632
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	70,260					70,260
Other comprehensive loss	7,036						7,036
Preferred stock dividends	(1,719)					(1,719)
Common stock dividends	(16,720)					(16,720)
Purchases of common stock (in shares)		(150,000)
Purchases of common stock	(5,101)	$ (150)			(4,951)
Impact of equity-based compensation awards (in shares)		35,675
Impact of equity-based compensation awards	1,272	$ 35		71	1,166
Impact of other United sponsored equity plans (in shares)		2,711
Impact of other United sponsored equity plans	174	$ 3		94	77
Ending balance at Jun. 30, 2021	2,086,286	$ 86,665	96,422	10,650	1,636,875	244,006	11,668
Ending balance (shares) at Jun. 30, 2021		86,664,894
Beginning balance (shares) at Dec. 31, 2021		89,349,826
Beginning balance at Dec. 31, 2021	2,222,245	$ 89,350	96,422	11,288	1,721,007	330,654	(26,476)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	114,861					114,861
Other comprehensive loss	(237,718)						(237,718)
Impact of acquisitions (in shares)		16,571,545
Impact of acquisitions	596,376	$ 16,571			579,805
Preferred stock dividends	(3,438)					(3,438)
Common stock dividends	(45,107)					(45,107)
Impact of equity-based compensation awards (in shares)		49,443
Impact of equity-based compensation awards	4,557	$ 50		1,454	3,053
Impact of other United sponsored equity plans (in shares)		63,146
Impact of other United sponsored equity plans	(488)	$ 63		(1,294)	743
Ending balance at Jun. 30, 2022	2,651,288	$ 106,034	96,422	11,448	2,304,608	396,970	(264,194)
Ending balance (shares) at Jun. 30, 2022		106,033,960
Beginning balance (shares) at Mar. 31, 2022		106,025,210
Beginning balance at Mar. 31, 2022	2,695,015	$ 106,025	96,422	11,311	2,302,189	354,409	(175,341)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	66,842					66,842
Other comprehensive loss	(88,853)						(88,853)
Preferred stock dividends	(1,719)					(1,719)
Common stock dividends	(22,562)					(22,562)
Impact of equity-based compensation awards (in shares)		6,520
Impact of equity-based compensation awards	2,364	$ 7		10	2,347
Impact of other United sponsored equity plans (in shares)		2,230
Impact of other United sponsored equity plans	201	$ 2		127	72
Ending balance at Jun. 30, 2022	$ 2,651,288	$ 106,034	$ 96,422	$ 11,448	$ 2,304,608	$ 396,970	$ (264,194)
Ending balance (shares) at Jun. 30, 2022		106,033,960

Consolidated Statement of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Statement of Stockholders' Equity [Abstract]
Common stock dividends (in dollars per share)	$ 0.21	$ 0.19	$ 0.42	$ 0.38

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Operating activities:
Net income	$ 114,861	$ 143,966
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net	22,086	(2,961)
Provision for (release of) credit losses	28,690	(25,869)
Stock based compensation	4,861	3,141
Deferred income tax expense	4,361	14,621
Securities (gains) losses, net	3,688	(41)
Gains from sales of other loans, net	(6,998)	(5,153)
Changes in assets and liabilities:
Other assets	6,317	20,444
Accrued expenses and other liabilities	49,707	7,071
Loans held for sale	119,837	7,239
Net cash provided by operating activities	347,410	162,458
Debt securities held-to-maturity:
Proceeds from maturities and calls	90,576	35,590
Purchases	(326,494)	(468,740)
Debt securities available-for-sale:
Proceeds from sales	281,521	78,111
Proceeds from maturities and calls	336,511	456,899
Purchases	(1,498,515)	(1,437,481)
Net (increase) decrease in loans	(435,015)	8,861
Equity investments, outflows	(23,016)	(8,432)
Equity investments, inflows	16,241	5,026
Proceeds from sales of premises and equipment	4,792	840
Purchases of premises and equipment	(16,774)	(14,565)
Net cash received in acquisition	35,243	0
Proceeds from sale of other real estate and repossessed assets	1,226	2,042
Other investing inflows	0	767
Net cash used in investing activities	(1,533,704)	(1,341,082)
Financing activities:
Net increase in deposits	128,688	1,096,791
Repayment of long-term debt	0	(65,632)
Proceeds from FHLB advances	0	5,000
Repayment of FHLB advances	0	(5,000)
Proceeds from issuance of common stock for dividend reinvestment and employee benefit plans	146	320
Proceeds from exercise of stock options	327	0
Cash paid for shares withheld to cover payroll taxes related to equity instruments	(1,538)	(945)
Repurchase of common stock	0	(5,101)
Cash dividends on common stock	(40,694)	(32,593)
Cash dividends on preferred stock	(3,438)	(3,438)
Net cash provided by financing activities	83,491	989,402
Net change in cash and cash equivalents	(1,102,803)	(189,222)
Cash and cash equivalents, beginning of period	2,318,510	1,608,619
Cash and cash equivalents, end of period	$ 1,215,707	$ 1,419,397

Basis of Presentation	6 Months Ended
Basis of Presentation	Jun. 30, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation	Basis of Presentation United’s accounting and financial reporting policies conform to GAAP and reporting guidelines of banking regulatory authorities. The accompanying interim consolidated financial statements have not been audited. All material intercompany balances and transactions have been eliminated. A more detailed description of United’s accounting policies is included in its 2021 10-K. In management’s opinion, all accounting adjustments necessary to accurately reflect the financial position and results of operations on the accompanying financial statements have been made. These adjustments are normal and recurring accruals considered necessary for a fair and accurate presentation. The results for interim periods are not necessarily indicative of results for the full year or any other interim periods. The accompanying unaudited consolidated financial statements should be read in conjunction with the consolidated financial statements and related notes appearing in United’s 2021 10-K.

Accounting Standards Updates and Recently Adopted Standards	6 Months Ended
	Jun. 30, 2022
Accounting Changes and Error Corrections [Abstract]
Accounting Standards Updates and Recently Adopted Standards	Accounting Standards Updates and Recently Adopted Standards Recently Adopted Standards In July 2021, the FASB issued ASU No. 2021-05, Leases (Topic 842): Lessors - Certain Leases with Variable Lease Payments. The update amends the lease classification requirements for lessors to align them with practice under the former lease accounting standard. Specifically, lessors should classify a lease with variable lease payments that do not depend on a reference index or rate as an operating lease if certain criteria are met. United adopted this update as of January 1, 2022, with no material impact on the consolidated financial statements. Recently Issued Standards In March 2022, the FASB issued ASU No. 2022-01, Derivatives and Hedging (Topic 815): Fair Value Hedging - Portfolio Layer Method. The update expands the current last-of-layer method to a portfolio layer method which allows multiple hedged layers of a single closed portfolio and non-prepayable financial assets. In addition, the update specifies that eligible hedging instruments may include spot-starting or forward-starting swaps and that the number of hedged layers corresponds with the number of hedges designated. Finally, the update provides additional guidance on the accounting for and disclosure of hedge basis adjustments. For public entities, this guidance is effective for fiscal years beginning after December 15, 2022. United does not expect the new guidance to have a material impact on the consolidated financial statements. In March 2022, the FASB issued ASU No. 2022-02, Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures. The update eliminates the previous accounting guidance for TDRs by creditors, while enhancing disclosure requirements for certain loan refinancings and restructurings when a borrower is experiencing financial difficulty. The update also requires that an entity disclose current-period gross charge-offs by year of origination. For public entities, this guidance is effective for fiscal years beginning after December 15, 2022. United does not expect the new guidance to have a material impact on the consolidated financial statements. In June 2022, the FASB issued ASU No. 2022-03, Fair Value Measurement (Topic 820) - Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions. The update clarifies that a contractual restriction on the sale of an equity security is not considered part of the unit of account and, therefore, is not considered in measuring fair value. For public entities, this guidance is effective for fiscal years beginning after December 15, 2023. United does not expect the new guidance to have a material impact on the consolidated financial statements.

- Definition

The entire disclosure for change in accounting principle. Includes, but is not limited to, nature, reason, and method of adopting amendment to accounting standards or other change in accounting principle.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-URI https://asc.fasb.org/topic&trid=2122394

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 105
-SubTopic 10
-Section 65
-Paragraph 6
-Subparagraph (f)
-URI https://asc.fasb.org/extlink&oid=126987489&loc=SL124442142-165695

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 20
-Section 65
-Paragraph 2
-Subparagraph (d)(1)
-URI https://asc.fasb.org/extlink&oid=126986314&loc=SL124402458-218513

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 40
-Section 65
-Paragraph 2
-Subparagraph (g)(2)(iii)
-URI https://asc.fasb.org/extlink&oid=124501264&loc=SL117420844-207641

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (b)(4)
-URI https://asc.fasb.org/extlink&oid=124431687&loc=d3e22499-107794

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 40
-Section 65
-Paragraph 2
-Subparagraph (g)(2)(ii)
-URI https://asc.fasb.org/extlink&oid=124501264&loc=SL117420844-207641

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 40
-Section 65
-Paragraph 2
-Subparagraph (g)(2)(i)
-URI https://asc.fasb.org/extlink&oid=124501264&loc=SL117420844-207641

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 40
-Section 65
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+ Details

Supplemental Cash Flow Information

6 Months Ended

Jun. 30, 2022

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Supplemental Cash Flow Information

The supplemental schedule of significant non-cash investing and financing activities for the six months ended June 30, 2022 and 2021 is as follows (in thousands).


	Six Months Ended June 30,
	2022		2021


Significant non-cash investing and financing transactions:
Unsettled government guaranteed loan sales	$	—	$	6,435
Transfers of loans to repossessed and foreclosed properties	1,308		1,333

Transfers of AFS securities to HTM securities	1,288,982		—
Right-of-use assets obtained in exchange for lease liabilities	6,092		847
Acquisitions:
Assets acquired	3,254,173		—
Liabilities assumed	2,657,173		—
Net assets acquired	597,000		—
Common stock issued and options converted	596,376		—

Acquisitions

6 Months Ended

Jun. 30, 2022

Business Combination and Asset Acquisition [Abstract]

Acquisitions

Acquisition of Reliant

On January 1, 2022, United acquired all of the outstanding common stock of Reliant in a stock transaction. Reliant was headquartered in Brentwood, Tennessee, a suburb of Nashville, Tennessee, and operated a 25-branch network in Tennessee. United’s operating results for the three and six months ended June 30, 2022 include the operating results of the acquired business for the period subsequent to the acquisition date of January 1, 2022.

The purchased assets and assumed liabilities were recorded at their acquisition date fair values and are summarized in the table below (in thousands).


Reliant
	Fair Value Recorded by United (1)
		January 1, 2022
	Assets
	Cash and cash equivalents	$	62,867
	Debt securities	249,107
	Loans held for sale	116,406
	Loans held for investment	2,320,737

	Premises and equipment	35,631
	Bank-owned life insurance	78,170
	Accrued interest receivable	12,027

	Net deferred tax asset	5,793
	Core deposit intangible	14,500
	Other assets	59,768
	Total assets acquired	$	2,955,006
	Liabilities
	Deposits	$	2,504,823
	Short-term borrowings	27,000
	Long-term debt	76,730
	Other liabilities	48,620
	Total liabilities assumed	2,657,173


	Total identifiable net assets	297,833
	Consideration transferred
	Cash	624
	Common stock issued (16,571,545 shares)	595,581
	Options converted	795
	Total fair value of consideration transferred	597,000
	Goodwill	$	299,167

(1) Fair values are preliminary and are subject to refinement for a period not to exceed one year after the closing date of an acquisition as information relative to closing date fair values becomes available.

Goodwill represents the intangible value of Reliant’s business and reputation within the markets it served and is not expected to be deductible for income tax purposes. The Reliant core deposit intangible will be amortized over its expected useful life of 10 years using the sum-of-the-years-digits method.

The following table presents additional information related to the acquired Reliant loan portfolio at the acquisition date (in thousands).


	January 1, 2022
PCD loans:
Par value	$	258,462
ACL at acquisition	(12,737)
Non-credit discount	(3,294)
Purchase price	$	242,431

Non-PCD loans:
Fair value	$	2,078,306
Gross contractual amounts receivable	2,355,205
Estimate of contractual cash flows not expected to be collected	25,990

Pro forma information

The following table discloses the impact of the Reliant acquisition since the date of acquisition. The table also presents certain pro forma information as if Reliant had been acquired on January 1, 2021. These results combine the historical results of the acquired entity with United’s consolidated statement of income. Adjustments were made for the estimated impact of certain fair value adjustments and other acquisition-related activity; however pro forma financial results presented are not necessarily indicative of what would have occurred had the acquisition taken place in earlier years.

Merger-related costs from the Reliant acquisition of $5.46 million and $14.0 million have been excluded from the three and six months ended June 30, 2022 pro forma information presented below and included in the three and six months ended June 30, 2021 pro forma information presented below. The actual results and pro forma information were as follows (in thousands):


	Three Months Ended June 30,				Six Months Ended June 30,
	Revenue		Net Income		Revenue		Net Income
2022
Actual Reliant results included in statement of income since acquisition date	$	29,172	$	15,550	$	43,086	$	16,148
Supplemental consolidated pro forma as if Reliant had been acquired January 1, 2021	206,227		70,569		402,465		137,329

2021

Supplemental consolidated pro forma as if Reliant had been acquired January 1, 2021	$	225,717	$	79,607	$	435,858	$	146,618

Announced Acquisition of Progress

On May 4, 2022, United announced an agreement to acquire Progress Financial Corporation and its wholly-owned subsidiary, Progress Bank & Trust, collectively referred to as “Progress”. Progress is headquartered in Huntsville, Alabama, and operates 14 offices in high-growth southeastern markets, including Huntsville, Birmingham, Daphne and Tuscaloosa in Alabama and the Florida Panhandle. As of June 30, 2022, Progress had total assets of $1.84 billion, total loans of $1.34 billion, and total deposits of $1.65 billion. In addition to traditional banking products, Progress offers wealth management and private banking through Progress Financial Services with approximately $1.12 billion in assets under management. The merger, which is subject to regulatory approval, the approval of Progress shareholders, and other customary conditions, is expected to close in the fourth quarter of 2022.

Investment Securities

6 Months Ended

Jun. 30, 2022

Investments, Debt and Equity Securities [Abstract]

Investment Securities

During the second quarter and the first six months of 2022, United transferred AFS debt securities to HTM with a fair value on the transfer date of $184 million and $1.29 billion, respectively. Included in the amount transferred were unrealized losses totaling $30.0 million and $87.4 million for the second quarter and the first six months of 2022, respectively, which are recorded in AOCI. Transfer date unrealized losses are amortized and reclassified out of AOCI as a yield adjustment, which is offset by discount accretion of the transferred HTM securities. Amortization of transfer date unrealized losses and discount accretion are recognized over the remaining life of the securities.

The amortized cost basis, unrealized gains and losses and fair value of HTM debt securities as of the dates indicated are as follows (in thousands).


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
As of June 30, 2022
U.S. Treasuries	$	19,818	$	—	$	1,861	$	17,957
U.S. Government agencies & GSEs	99,663		—		11,797		87,866
State and political subdivisions	302,413		307		55,423		247,297
Residential MBS, Agency & GSEs	1,557,372		168		138,174		1,419,366

Commercial MBS, Agency & GSEs	728,209		—		82,876		645,333

Supranational entities	15,000		—		1,681		13,319
Total	$	2,722,475	$	475	$	291,812	$	2,431,138

As of December 31, 2021
U.S. Treasuries	$	19,803	$	20	$	—	$	19,823
U.S. Government agencies & GSEs	70,180		—		1,121		69,059
State and political subdivisions	257,688		4,341		4,080		257,949
Residential MBS, Agency & GSEs	381,641		2,021		3,687		379,975

Commercial MBS, Agency & GSEs	411,786		4,106		8,915		406,977

Supranational entities	$	15,000	$	21	$	—	$	15,021
Total	$	1,156,098	$	10,509	$	17,803	$	1,148,804

The amortized cost basis, unrealized gains and losses, and fair value of AFS debt securities as of the dates indicated are presented below (in thousands).


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
As of June 30, 2022
U.S. Treasuries	$	194,627	$	—	$	11,924	$	182,703
U.S. Government agencies & GSEs	269,370		787		12,975		257,182
State and political subdivisions	345,091		350		23,558		321,883
Residential MBS, Agency & GSEs	1,605,953		268		105,143		1,501,078
Residential MBS, Non-agency	386,213		—		16,720		369,493
Commercial MBS, Agency & GSEs	757,154		687		55,757		702,084
Commercial MBS, Non-agency	31,686		—		718		30,968
Corporate bonds	239,710		102		19,856		219,956
Asset-backed securities	383,907		63		9,032		374,938
Total	$	4,213,711	$	2,257	$	255,683	$	3,960,285

As of December 31, 2021
U.S. Treasuries	$	218,027	$	1,661	$	2,168	$	217,520
U.S. Government agencies & GSEs	189,855		605		3,428		187,032
State and political subdivisions	263,269		15,237		2,662		275,844
Residential MBS, Agency & GSEs	2,079,700		9,785		28,521		2,060,964
Residential MBS, Non-agency	81,925		2,249		4		84,170
Commercial MBS, Agency & GSEs	870,563		2,974		16,156		857,381
Commercial MBS, Non-agency	15,202		1,268		—		16,470
Corporate bonds	194,164		814		1,812		193,166
Asset-backed securities	603,824		2,000		1,547		604,277
Total	$	4,516,529	$	36,593	$	56,298	$	4,496,824

Securities with a carrying value of $1.62 billion and $1.46 billion were pledged, primarily to secure public deposits, at June 30, 2022 and December 31, 2021, respectively.

The following table summarizes HTM debt securities in an unrealized loss position as of the dates indicated (in thousands).


	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
As of June 30, 2022
U.S. Treasuries	$	17,957	$	1,861	$	—	$	—	$	17,957	$	1,861
U.S. Government agencies & GSEs	62,571		9,562		25,295		2,235		87,866		11,797
State and political subdivisions	199,642		46,684		26,632		8,739		226,274		55,423
Residential MBS, Agency & GSEs	1,085,121		108,939		301,089		29,235		1,386,210		138,174

Commercial MBS, Agency & GSEs	520,424		65,291		124,908		17,585		645,332		82,876

Supranational entities	13,319		1,681		—		—		13,319		1,681
Total unrealized loss position	$	1,899,034	$	234,018	$	477,924	$	57,794	$	2,376,958	$	291,812

As of December 31, 2021
U.S. Government agencies & GSEs	$	64,658	$	888	$	4,401	$	233	$	69,059	$	1,121
State and political subdivisions	131,128		3,590		9,006		490		140,134		4,080
Residential MBS, Agency & GSEs	289,132		3,687		—		—		289,132		3,687

Commercial MBS, Agency & GSEs	314,049		8,540		10,384		375		324,433		8,915

Total unrealized loss position	$	798,967	$	16,705	$	23,791	$	1,098	$	822,758	$	17,803

The following table summarizes AFS debt securities in an unrealized loss position as of the dates indicated (in thousands).


	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
As of June 30, 2022
U.S. Treasuries	$	182,703	$	11,924	$	—	$	—	$	182,703	$	11,924
U.S. Government agencies & GSEs	109,886		4,662		42,110		8,313		151,996		12,975
State and political subdivisions	235,196		16,615		29,395		6,943		264,591		23,558
Residential MBS, Agency & GSEs	1,298,911		86,523		157,555		18,620		1,456,466		105,143
Residential MBS, Non-agency	369,493		16,720		—		—		369,493		16,720
Commercial MBS, Agency & GSEs	411,837		18,296		247,294		37,461		659,131		55,757
Commercial MBS, Non-agency	30,968		718		—		—		30,968		718
Corporate bonds	208,419		19,052		7,395		804		215,814		19,856
Asset-backed securities	244,043		6,781		57,921		2,251		301,964		9,032
Total unrealized loss position	$	3,091,456	$	181,291	$	541,670	$	74,392	$	3,633,126	$	255,683

As of December 31, 2021
U.S. Treasuries	$	111,606	$	2,168	$	—	$	—	$	111,606	$	2,168
U.S. Government agencies & GSEs	132,893		2,591		20,093		837		152,986		3,428
State and political subdivisions	69,302		2,581		3,148		81		72,450		2,662
Residential MBS, Agency & GSEs	1,534,744		25,799		74,481		2,722		1,609,225		28,521
Residential MBS, Non-agency	12,608		4		—		—		12,608		4
Commercial MBS, Agency & GSEs	582,235		13,098		66,014		3,058		648,249		16,156

Corporate bonds	149,246		1,811		16		1		149,262		1,812
Asset-backed securities	195,164		1,546		571		1		195,735		1,547
Total unrealized loss position	$	2,787,798	$	49,598	$	164,323	$	6,700	$	2,952,121	$	56,298

At June 30, 2022, there were 711 AFS debt securities and 296 HTM debt securities that were in an unrealized loss position. United does not intend to sell nor does it believe it will be required to sell securities in an unrealized loss position prior to the recovery of their amortized cost basis. Unrealized losses at June 30, 2022 were primarily attributable to changes in interest rates.

At June 30, 2022 and December 31, 2021, estimated credit losses and, thus, the related ACL on HTM debt securities were de minimis due to the high credit quality of the portfolio, which included securities issued or guaranteed by U.S. Government agencies, GSEs, high credit quality municipalities and supranational entities. As a result, no ACL was recorded on the HTM portfolio at June 30, 2022 or December 31, 2021. In addition, based on the assessments performed at June 30, 2022 and December 31, 2021, there was no ACL required related to the AFS portfolio.

The following table presents accrued interest receivable for the periods indicated on HTM and AFS debt securities (in thousands), which was excluded from the estimate of credit losses.


	Accrued Interest Receivable
	June 30, 2022		December 31, 2021
HTM	$	6,360	$	3,596
AFS	12,243		9,868

The amortized cost and fair value of AFS and HTM debt securities at June 30, 2022, by contractual maturity, are presented in the following table (in thousands). Expected maturities may differ from contractual maturities because issuers and borrowers may have the right to call or prepay obligations.


	AFS				HTM
	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Within 1 year:
U.S. Treasuries	$	30,993	$	30,965	$	—	$	—
U.S. Government agencies & GSEs	401		396		—		—
State and political subdivisions	15,003		15,010		5,200		5,225
Corporate bonds	2,545		2,520		—		—

	48,942		48,891		5,200		5,225
1 to 5 years:
U.S. Treasuries	124,439		116,676		—		—
U.S. Government agencies & GSEs	38,263		35,515		—		—
State and political subdivisions	34,554		33,916		14,439		14,716
Corporate bonds	152,083		141,347		—		—

	349,339		327,454		14,439		14,716
5 to 10 years:
U.S. Treasuries	39,195		35,062		19,818		17,957
U.S. Government agencies & GSEs	72,055		65,161		48,952		44,222
State and political subdivisions	131,788		122,242		31,659		27,886
Corporate bonds	84,292		75,257		—		—
Supranational entities	—		—		15,000		13,319
	327,330		297,722		115,429		103,384
More than 10 years:
U.S. Government agencies & GSEs	158,651		156,110		50,711		43,644
State and political subdivisions	163,746		150,715		251,115		199,470
Corporate bonds	790		832		—		—

	323,187		307,657		301,826		243,114
Debt securities not due at a single maturity date:
Asset-backed securities	383,907		374,938		—		—
Residential MBS	1,992,166		1,870,571		1,557,372		1,419,366
Commercial MBS	788,840		733,052		728,209		645,333

Total	$	4,213,711	$	3,960,285	$	2,722,475	$	2,431,138

Realized gains and losses are derived using the specific identification method for determining the cost of securities sold. The following table summarizes AFS securities sales activity for the three and six months ended June 30, 2022 and 2021 (in thousands).


	Three Months Ended June 30,				Six Months Ended June 30,
	2022		2021		2022		2021
Proceeds from sales	$	73,112	$	78,111	$	281,521	$	78,111

Gross realized gains	$	46	$	641	$	1,009	$	641
Gross realized losses	—		(600)		(4,697)		(600)

Securities gains (losses), net	$	46	$	41	$	(3,688)	$	41

Income tax expense (benefit) attributable to sales	$	11	$	14	$	(979)	$	14

Loans and Leases and Allowance for Credit Losses

6 Months Ended

Jun. 30, 2022

Receivables [Abstract]

Loans and Leases and Allowance for Credit Losses

Major classifications of the loan and lease portfolio (collectively referred to as the “loan portfolio” or “loans”) are summarized as of the dates indicated as follows (in thousands).


	June 30, 2022		December 31, 2021
Owner occupied commercial real estate	$	2,681,022	$	2,321,685
Income producing commercial real estate	3,273,527		2,600,858
Commercial & industrial (1)	2,252,919		1,910,162
Commercial construction	1,513,819		1,014,830
Equipment financing	1,210,842		1,083,021
Total commercial	10,932,129		8,930,556
Residential mortgage	1,996,902		1,637,885
HELOC	801,069		694,034
Residential construction	381,545		359,815
Manufactured housing	286,557		—
Consumer	143,028		138,056


Total loans	14,541,230		11,760,346

Less allowance for credit losses - loans	(136,925)		(102,532)

Loans, net	$	14,404,305	$	11,657,814

(1) Commercial and industrial loans as of June 30, 2022 and December 31, 2021 included $9.96 million and $88.3 million of PPP loans, respectively.

Accrued interest receivable related to loans totaled $38.8 million and $28.5 million at June 30, 2022 and December 31, 2021, respectively, and was reported in other assets on the consolidated balance sheets. Accrued interest receivable was excluded from the estimate of credit losses.

At June 30, 2022 and December 31, 2021, the loan portfolio was subject to blanket pledges on certain qualifying loan types with the FHLB and FRB to secure contingent funding sources.

The following table presents loans held for investment that were sold in the periods indicated (in thousands). The gains on these loan sales were included in noninterest income on the consolidated statements of income.


	Three Months Ended June 30,				Six Months Ended June 30,
	2022		2021		2022		2021
Guaranteed portion of SBA/USDA loans	$	39,119	$	32,303	$	67,462	$	43,648
Equipment financing receivables	20,541		18,908		43,977		19,967
Total	$	59,660	$	51,211	$	111,439	$	63,615

At June 30, 2022 and December 31, 2021, equipment financing receivables included leases of $40.8 million and $37.7 million, respectively. The components of the net investment in leases, which included both sales-type and direct financing, are presented below (in thousands).


	June 30, 2022		December 31, 2021
Minimum future lease payments receivable	$	43,453	$	39,962
Estimated residual value of leased equipment	3,046		3,216
Initial direct costs	684		669
Security deposits	(503)		(687)

Unearned income	(5,845)		(5,432)
Net investment in leases	$	40,835	$	37,728

Minimum future lease payments expected to be received from equipment financing lease contracts as of June 30, 2022 were as follows (in thousands):


Year
Remainder of 2022	$	8,570
2023	14,332
2024	9,861
2025	6,434
2026	3,414
Thereafter	842
Total	$	43,453

Nonaccrual and Past Due Loans HFI

The following table presents the aging of the amortized cost basis in loans by aging category and accrual status as of the dates indicated (in thousands). Past due status is based on contractual terms of the loan. The accrual of interest is generally discontinued when a loan becomes 90 days past due.


	Accruing
	Current Loans		Loans Past Due
			30 - 59 Days		60 - 89 Days		> 90 Days		Nonaccrual Loans		Total Loans
As of June 30, 2022
Owner occupied commercial real estate	$	2,676,851	$	2,238	$	57	$	—	$	1,876	$	2,681,022
Income producing commercial real estate	3,265,713		601		139		—		7,074		3,273,527
Commercial & industrial	2,247,664		555		152		—		4,548		2,252,919
Commercial construction	1,513,322		289		—		—		208		1,513,819
Equipment financing	1,205,155		1,538		900		—		3,249		1,210,842
Total commercial	10,908,705		5,221		1,248		—		16,955		10,932,129
Residential mortgage	1,982,053		2,528		93		—		12,228		1,996,902
HELOC	798,639		1,089		408		—		933		801,069
Residential construction	380,872		475		—		—		198		381,545
Manufactured housing	280,158		3,358		237		—		2,804		286,557
Consumer	142,584		357		59		3		25		143,028
Total loans	$	14,493,011	$	13,028	$	2,045	$	3	$	33,143	$	14,541,230

As of December 31, 2021
Owner occupied commercial real estate	$	2,318,944	$	27	$	—	$	—	$	2,714	$	2,321,685
Income producing commercial real estate	2,593,124		146		—		—		7,588		2,600,858
Commercial & industrial	1,903,730		584		419		—		5,429		1,910,162
Commercial construction	1,014,211		—		276		—		343		1,014,830
Equipment financing	1,079,180		1,415		685		—		1,741		1,083,021
Total commercial	8,909,189		2,172		1,380		—		17,815		8,930,556
Residential mortgage	1,622,754		1,583		235		—		13,313		1,637,885
HELOC	691,814		920		88		—		1,212		694,034
Residential construction	358,741		654		—		—		420		359,815
Consumer	137,564		421		19		—		52		138,056
Total loans	$	11,720,062	$	5,750	$	1,722	$	—	$	32,812	$	11,760,346

The following table presents nonaccrual loans held for investment by loan class for the periods indicated (in thousands).


	Nonaccrual Loans
	June 30, 2022						December 31, 2021
	With no allowance		With an allowance		Total		With no allowance		With an allowance		Total
Owner occupied commercial real estate	$	1,386	$	490	$	1,876	$	2,141	$	573	$	2,714
Income producing commercial real estate	6,574		500		7,074		6,873		715		7,588
Commercial & industrial	2,528		2,020		4,548		3,715		1,714		5,429
Commercial construction	—		208		208		—		343		343
Equipment financing	—		3,249		3,249		—		1,741		1,741
Total commercial	10,488		6,467		16,955		12,729		5,086		17,815
Residential mortgage	2,803		9,425		12,228		3,126		10,187		13,313
HELOC	211		722		933		219		993		1,212
Residential construction	100		98		198		280		140		420
Manufactured housing	—		2,804		2,804		—		—		—
Consumer	2		23		25		6		46		52
Total	$	13,604	$	19,539	$	33,143	$	16,360	$	16,452	$	32,812

The majority of nonaccrual loans with no related allowance consists of collateral dependent loans that have been individually evaluated by management and have been written down to net realizable value with the repayment of the loan expected to be provided substantially through the operation or sale of the underlying collateral.

Risk Ratings

United categorizes commercial loans, with the exception of equipment financing receivables, into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, public information, and current industry and economic trends, among other factors. United analyzes loans individually by classifying the loans as to credit risk. This analysis is performed on a continual basis. United uses the following definitions for its risk ratings:

Pass. Loans in this category are considered to have a low probability of default and do not meet the criteria of the risk categories below.

Special Mention. Loans in this category are presently protected from apparent loss; however, weaknesses exist that could cause future impairment, including the deterioration of financial ratios, past due status and questionable management capabilities. These loans require more than the ordinary amount of supervision. Collateral values generally afford adequate coverage, but may not be immediately marketable.

Substandard. These loans are inadequately protected by the current net worth and paying capacity of the obligor or by the collateral pledged. Specific and well-defined weaknesses exist that may include poor liquidity and deterioration of financial ratios. The loan may be past due and related deposit accounts experiencing overdrafts. There is the distinct possibility that United will sustain some loss if deficiencies are not corrected. If possible, immediate corrective action is taken.

Doubtful. Specific weaknesses characterized as Substandard that are severe enough to make collection in full highly questionable and improbable. There is no reliable secondary source of full repayment.

Loss. Loans categorized as Loss have the same characteristics as Doubtful; however, probability of loss is certain. Loans classified as Loss are charged off.

Equipment Financing Receivables and Consumer Purpose Loans. United applies a pass / fail grading system to all equipment financing receivables and consumer purpose loans. Under this system, loans that are on nonaccrual status, become past due 90 days, or are in bankruptcy are classified as “fail” and all other loans are classified as “pass”. For reporting purposes, loans in these categories that are classified as “fail” are reported as substandard and all other loans are reported as pass.

The following tables present the risk category of term loans by vintage year, which is the year of origination or most recent renewal, as of the date indicated (in thousands).



	Term Loans												Revolvers		Revolvers converted to term loans		Total
As of June 30, 2022	2022		2021		2020		2019		2018		Prior
Pass
Owner occupied commercial real estate	$	417,987	$	701,620	$	651,506	$	229,330	$	138,973	$	342,269	$	108,735	$	9,482	$	2,599,902
Income producing commercial real estate	433,518		837,176		789,317		347,162		193,782		327,057		52,157		9,243		2,989,412
Commercial & industrial	283,383		547,424		238,826		155,495		131,943		91,022		741,983		5,001		2,195,077
Commercial construction	367,865		529,102		344,571		117,304		14,882		28,427		65,009		1,241		1,468,401
Equipment financing	371,560		451,535		211,154		125,559		41,780		5,065		—		—		1,206,653
Total commercial	1,874,313		3,066,857		2,235,374		974,850		521,360		793,840		967,884		24,967		10,459,445
Residential mortgage	427,438		785,961		351,619		97,033		60,590		254,954		9		3,399		1,981,003
HELOC	—		—		—		—		—		—		783,057		15,898		798,955
Residential construction	168,191		191,978		6,810		2,054		1,853		9,750		—		336		380,972
Manufactured housing	37,903		57,712		52,091		37,200		33,103		65,194		—		—		283,203
Consumer	41,947		41,537		20,867		6,976		2,994		1,266		27,193		123		142,903
	2,549,792		4,144,045		2,666,761		1,118,113		619,900		1,125,004		1,778,143		44,723		14,046,481
Special Mention
Owner occupied commercial real estate	3,798		4,943		3,621		10,380		4,247		6,825		3,034		282		37,130
Income producing commercial real estate	53,231		15,967		66,817		20,289		22,192		30,178		—		—		208,674
Commercial & industrial	242		2,136		1,118		872		1,361		305		4,779		311		11,124
Commercial construction	469		38		146		22,053		4,942		229		—		—		27,877
Equipment financing	—		—		—		—		—		—		—		—		—
Total commercial	57,740		23,084		71,702		53,594		32,742		37,537		7,813		593		284,805
Residential mortgage	—		—		—		—		—		—		—		—		—
HELOC	—		—		—		—		—		—		—		—		—
Residential construction	—		—		—		—		—		—		—		—		—
Manufactured housing	—		—		—		—		—		—		—		—		—
Consumer	—		—		—		—		—		—		—		—		—
	57,740		23,084		71,702		53,594		32,742		37,537		7,813		593		284,805
Substandard
Owner occupied commercial real estate	8,299		7,188		2,218		8,813		1,443		14,869		210		950		43,990
Income producing commercial real estate	28,240		6,299		3,061		4,409		21,420		11,553		394		65		75,441
Commercial & industrial	5,710		1,572		1,884		6,107		11,088		1,468		17,054		1,835		46,718
Commercial construction	3,097		123		55		155		3,982		9,881		—		248		17,541
Equipment financing	—		1,412		1,727		754		222		74		—		—		4,189
Total commercial	45,346		16,594		8,945		20,238		38,155		37,845		17,658		3,098		187,879
Residential mortgage	1,472		2,282		1,257		2,330		2,722		5,109		—		727		15,899
HELOC	—		—		—		—		—		—		303		1,811		2,114
Residential construction	293		41		—		21		50		168		—		—		573
Manufactured housing	—		231		450		622		826		1,225		—		—		3,354
Consumer	12		29		17		17		39		9		2		—		125
	47,123		19,177		10,669		23,228		41,792		44,356		17,963		5,636		209,944

Total	$	2,654,655	$	4,186,306	$	2,749,132	$	1,194,935	$	694,434	$	1,206,897	$	1,803,919	$	50,952	$	14,541,230


	Term Loans												Revolvers		Revolvers converted to term loans		Total
As of December 31, 2021	2021		2020		2019		2018		2017		Prior
Pass
Owner occupied commercial real estate	$	643,151	$	674,124	$	278,702	$	153,233	$	139,584	$	267,460	$	68,354	$	17,150	$	2,241,758
Income producing commercial real estate	668,322		678,487		333,911		221,218		165,563		219,459		41,157		11,830		2,339,947
Commercial & industrial	638,567		270,150		178,944		136,281		50,567		72,904		514,750		4,361		1,866,524
Commercial construction	378,695		303,154		149,740		40,625		22,983		13,206		12,628		1,673		922,704
Equipment financing	563,618		271,913		167,904		63,254		13,145		903		—		—		1,080,737
Total commercial	2,892,353		2,197,828		1,109,201		614,611		391,842		573,932		636,889		35,014		8,451,670
Residential mortgage	781,007		370,092		108,091		64,346		71,552		221,131		9		3,915		1,620,143
HELOC	—		—		—		—		—		—		676,545		14,994		691,539
Residential construction	325,111		16,301		2,802		2,278		3,144		9,352		—		33		359,021
Consumer	57,530		29,218		10,757		5,137		1,439		1,355		32,312		111		137,859
	4,056,001		2,613,439		1,230,851		686,372		467,977		805,770		1,345,755		54,067		11,260,232
Special Mention
Owner occupied commercial real estate	7,772		2,979		16,639		4,374		6,007		2,641		248		286		40,946
Income producing commercial real estate	64,139		27,875		21,875		22,292		18,415		21,880		—		—		176,476
Commercial & industrial	1,037		1,831		2,740		597		273		303		2,242		—		9,023
Commercial construction	14,283		16,237		13,149		22,479		11,766		52		—		—		77,966
Equipment financing	—		—		—		—		—		—		—		—		—
Total commercial	87,231		48,922		54,403		49,742		36,461		24,876		2,490		286		304,411
Residential mortgage	—		—		—		—		—		—		—		—		—
HELOC	—		—		—		—		—		—		—		—		—
Residential construction	—		—		—		—		—		—		—		—		—
Consumer	—		—		—		—		—		—		—		—		—
	87,231		48,922		54,403		49,742		36,461		24,876		2,490		286		304,411
Substandard
Owner occupied commercial real estate	11,987		1,049		4,216		3,712		5,829		11,088		—		1,100		38,981
Income producing commercial real estate	15,485		12,618		3,779		29,212		6,726		16,531		—		84		84,435
Commercial & industrial	2,741		1,615		5,284		12,685		1,232		5,863		4,326		869		34,615
Commercial construction	3,464		157		272		11		9,750		255		—		251		14,160
Equipment financing	428		590		676		503		84		3		—		—		2,284
Total commercial	34,105		16,029		14,227		46,123		23,621		33,740		4,326		2,304		174,475
Residential mortgage	3,339		1,585		2,813		3,229		1,205		4,744		—		827		17,742
HELOC	—		—		—		—		—		—		329		2,166		2,495
Residential construction	407		—		30		51		—		306		—		—		794
Consumer	37		16		22		26		22		50		3		21		197
	37,888		17,630		17,092		49,429		24,848		38,840		4,658		5,318		195,703

Total	$	4,181,120	$	2,679,991	$	1,302,346	$	785,543	$	529,286	$	869,486	$	1,352,903	$	59,671	$	11,760,346

Troubled Debt Restructurings

As of June 30, 2022 and December 31, 2021, United had TDRs totaling $50.7 million and $52.4 million, respectively. Loans modified under the terms of a TDR during the three and six months ended June 30, 2022 and 2021 are presented in the following table. In addition, the table presents loans modified under the terms of a TDR that defaulted (became 90 days or more delinquent or otherwise in default of modified terms) during the periods presented and were initially restructured within one year prior to default (dollars in thousands).


	New TDRs											TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted
			Post-Modification Amortized Cost by Type of Modification
	Number of Contracts	Rate Reduction			Structure			Other			Total			Number of Contracts	Amortized Cost
Three Months Ended June 30, 2022
Owner occupied commercial real estate	1		$	—		$	112		$	—		$	112	—	$	—
Income producing commercial real estate	—		—			—			—			—		—	—
Commercial & industrial	1		—			403			—			403		—	—
Commercial construction	—		—			—			—			—		—	—
Equipment financing	11		—			3,055			—			3,055		4	301
Total commercial	13		—			3,570			—			3,570		4	301
Residential mortgage	4		—			573			—			573		1	56
HELOC	—		—			—			—			—		—	—
Residential construction	—		—			—			—			—		—	—
Manufactured housing	—		—			—			—			—		—	—
Consumer	—		—			—			—			—		—	—
Total loans	17		$	—		$	4,143		$	—		$	4,143	5	$	357

Six Months Ended June 30, 2022
Owner occupied commercial real estate	1		$	—		$	112		$	—		$	112	—	$	—
Income producing commercial real estate	—		—			—			—			—		—	—
Commercial & industrial	1		—			403			—			403		—	—
Commercial construction	—		—			—			—			—		—	—
Equipment financing	27		—			4,849			—			4,849		9	408
Total commercial	29		—			5,364			—			5,364		9	408
Residential mortgage	4		—			573			—			573		1	56
HELOC	7		—			1,242			6			1,248		—	—
Residential construction	—		—			—			—			—		—	—
Manufactured housing	—		—			—			—			—		—	—
Consumer	—		—			—			—			—		—	—
Total loans	40		$	—		$	7,179		$	6		$	7,185	10	$	464

Three Months Ended June 30, 2021
Owner occupied commercial real estate	1		$	—		$	543		$	—		$	543	—	$	—
Income producing commercial real estate	1		—			—			378			378		—	—
Commercial & industrial	2		—			365			—			365		—	—
Commercial construction	—		—			—			—			—		—	—
Equipment financing	8		—			326			—			326		5	138
Total commercial	12		—			1,234			378			1,612		5	138
Residential mortgage	5		—			322			—			322		—	—
HELOC	—		—			—			—			—		1	49
Residential construction	—		—			—			—			—		—	—

Consumer	—		—			—			—			—		—	—
Total loans	17		$	—		$	1,556		$	378		$	1,934	6	$	187

Six Months Ended June 30, 2021
Owner occupied commercial real estate	1		$	—		$	543		$	—		$	543	—	$	—
Income producing commercial real estate	3		—			—			1,697			1,697		—	—
Commercial & industrial	4		—			365			103			468		1	11
Commercial construction	1		—			309			—			309		—	—
Equipment financing	36		—			2,462			—			2,462		8	200
Total commercial	45		—			3,679			1,800			5,479		9	211
Residential mortgage	6		—			391			—			391		3	413
HELOC	—		—			—			—			—		1	49
Residential construction	—		—			—			—			—		—	—

Consumer	—		—			—			—			—		—	—
Total loans	51		$	—		$	4,070		$	1,800		$	5,870	13	$	673

Allowance for Credit Losses

The ACL for loans represents management’s estimate of life of loan credit losses in the portfolio as of the end of the period. The ACL related to unfunded commitments is included in other liabilities in the consolidated balance sheet.

At both June 30, 2022 and December 31, 2021, United used a one-year reasonable and supportable forecast period. Expected credit losses were estimated using a regression model for each segment based on historical data from peer banks combined with a third party vendor’s baseline economic forecast to predict the change in credit losses. These estimates were then combined with a starting value that was based on United’s recent default experience, with the results subject to a floor. At June 30, 2022, United applied qualitative factors to the model output for income producing commercial real estate and equipment finance portfolios. With regard to income producing commercial real estate, the qualitative factors reflected continued credit concerns related to the senior care portfolio, elevated criticized loans relative to the pre-pandemic period and inflationary concerns related to the impact of rising rates on commercial real estate values. Qualitative factors for the equipment finance portfolio reflected management’s approximation of long-term loss rates.

For periods beyond the reasonable and supportable forecast period of one year, United reverted to historical credit loss information on a straight line basis over two years. For all collateral types excluding residential mortgage and manufactured housing, United reverted to through-the-cycle average default rates using peer data from 2000 to 2017. For loans secured by residential mortgages and manufactured housing, the peer data was adjusted to account for the changes in lending practices designed to prevent the magnitude of losses observed during the mortgage crisis.

PPP loans were considered low risk assets due to the related 100% guarantee by the SBA and were therefore excluded from the calculation.

The following table presents the balance and activity in the ACL by portfolio segment for the periods indicated (in thousands).


	Three Months Ended June 30,
	2022								2021
	Beginning Balance		Charge-Offs		Recoveries		(Release) Provision		Ending Balance		Beginning Balance		Charge-Offs		Recoveries		(Release) Provision		Ending Balance
Owner occupied commercial real estate	$	15,945	$	—	$	1,496	$	(667)	$	16,774	$	19,282	$	(1)	$	156	$	(2,145)	$	17,292
Income producing commercial real estate	33,539		—		116		(371)		33,284		34,911		(52)		213		(4,105)		30,967
Commercial & industrial	18,386		(1,011)		1,313		(421)		18,267		21,750		(857)		797		(5,276)		16,414
Commercial construction	13,782		—		144		2,136		16,062		10,572		(46)		339		(1,685)		9,180
Equipment financing	19,264		(1,709)		802		52		18,409		17,200		(1,188)		887		1,201		18,100
Residential mortgage	14,964		—		51		2,020		17,035		14,580		—		194		(3,809)		10,965
HELOC	7,128		—		346		13		7,487		6,880		(34)		146		(635)		6,357
Residential construction	1,929		—		76		81		2,086		1,362		—		33		523		1,918
Manufactured housing	7,083		(135)		—		(334)		6,614		—		—		—		—		—
Consumer	785		(728)		308		542		907		329		(353)		222		225		423
ACL - loans	132,805		(3,583)		4,652		3,051		136,925		126,866		(2,531)		2,987		(15,706)		111,616
ACL - unfunded commitments	13,564		—		—		2,553		16,117		8,726		—		—		2,118		10,844
Total ACL	$	146,369	$	(3,583)	$	4,652	$	5,604	$	153,042	$	135,592	$	(2,531)	$	2,987	$	(13,588)	$	122,460


	Six Months Ended June 30,
	2022												2021
	Beginning Balance		Initial ACL - PCD loans (1)		Charge-Offs		Recoveries		(Release) Provision		Ending Balance		Beginning Balance		Charge- Offs		Recoveries		(Release) Provision		Ending Balance
Owner occupied commercial real estate	$	14,282	$	266	$	—	$	1,541	$	685	$	16,774	$	20,673	$	(1)	$	396	$	(3,776)	$	17,292
Income producing commercial real estate	24,156		4,366		—		406		4,356		33,284		41,737		(1,059)		229		(9,940)		30,967
Commercial & industrial	16,592		2,337		(4,605)		1,978		1,965		18,267		22,019		(3,751)		6,444		(8,298)		16,414
Commercial construction	9,956		2,857		(41)		558		2,732		16,062		10,952		(224)		495		(2,043)		9,180
Equipment financing	16,290		—		(2,657)		1,483		3,293		18,409		16,820		(3,246)		1,434		3,092		18,100
Residential mortgage	12,390		385		(53)		201		4,112		17,035		15,341		(215)		317		(4,478)		10,965
HELOC	6,568		60		(9)		436		432		7,487		8,417		(34)		219		(2,245)		6,357
Residential construction	1,847		1		—		99		139		2,086		764		(10)		103		1,061		1,918
Manufactured housing	—		2,438		(308)		9		4,475		6,614		—		—		—		—		—
Consumer	451		27		(1,534)		587		1,376		907		287		(824)		488		472		423
ACL - loans	102,532		12,737		(9,207)		7,298		23,565		136,925		137,010		(9,364)		10,125		(26,155)		111,616
ACL - unfunded commitments	10,992		—		—		—		5,125		16,117		10,558		—		—		286		10,844
Total ACL	$	113,524	$	12,737	$	(9,207)	$	7,298	$	28,690	$	153,042	$	147,568	$	(9,364)	$	10,125	$	(25,869)	$	122,460

(1) Represents the initial ACL related to PCD loans acquired in the Reliant transaction.

Derivatives and Hedging Activities

6 Months Ended

Jun. 30, 2022

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Derivatives and Hedging Activities

The table below presents the fair value of derivative financial instruments, which are included in other assets and other liabilities on the consolidated balance sheet, as of the dates indicated (in thousands):


	June 30, 2022						December 31, 2021
	Notional Amount		Fair Value				Notional Amount		Fair Value
			Derivative Asset		Derivative Liability				Derivative Asset		Derivative Liability
Derivatives designated as hedging instruments:
Cash flow hedge of subordinated debt	$	100,000	$	12,318	$	—	$	100,000	$	6,389	$	—
Cash flow hedge of trust preferred securities	20,000		—		—		20,000		—		—
Fair value hedge of brokered time deposits	—		—		—		10,000		—		—
Total	120,000		12,318		—		130,000		6,389		—

Derivatives not designated as hedging instruments:
Customer derivative positions	1,095,566		795		57,212		1,206,145		28,656		10,663
Dealer offsets to customer derivative positions	1,105,566		13,629		367		1,230,885		974		9,232
Risk participations	80,401		5		2		69,385		16		7
Mortgage banking - loan commitment	45,696		1,292		—		110,897		3,450		—
Mortgage banking - forward sales commitment	81,000		410		191		201,419		67		202
Bifurcated embedded derivatives	51,935		8,902		—		51,935		2,928		—
Dealer offsets to bifurcated embedded derivatives	51,935		—		10,793		51,935		—		5,041
Total	2,512,099		25,033		68,565		2,922,601		36,091		25,145

Total derivatives	$	2,632,099	$	37,351	$	68,565	$	3,052,601	$	42,480	$	25,145

Total gross derivative instruments			$	37,351	$	68,565			$	42,480	$	25,145
Less: Amounts subject to master netting agreements			(634)		(634)				(694)		(694)
Less: Cash collateral received/pledged			(28,161)		(11,279)				(6,620)		(14,148)
Net amount			$	8,556	$	56,652			$	35,166	$	10,303

United clears certain derivatives centrally through the CME. CME rules legally characterize variation margin payments for centrally cleared derivatives as settlements of the derivatives’ exposure rather than as collateral. As a result, the variation margin payment and the related derivative instruments are considered a single unit of account for accounting purposes. Variation margin, as determined by the CME, is settled daily. As a result, derivative contracts that clear through the CME have an estimated fair value of zero.

Hedging Derivatives

Cash Flow Hedges of Interest Rate Risk

United enters into cash flow hedges to mitigate exposure to the variability of future cash flows or other forecasted transactions. As of June 30, 2022 and December 31, 2021, United utilized interest rate caps and swaps to hedge the variability of cash flows due to changes in interest rates on certain of its variable-rate subordinated debt and trust preferred securities. United considers these derivatives to be highly effective at achieving offsetting changes in cash flows attributable to changes in interest rates. Therefore, changes in the fair value of these derivative instruments are recognized in OCI. Gains and losses related to changes in fair value are reclassified into earnings in the periods the hedged forecasted transactions occur. Losses representing amortization of the premium recorded on cash flow hedges, which is a component excluded from the assessment of effectiveness, are recognized in earnings on a straight-line basis in the same caption as the hedged item over the term of the hedge. Over the next twelve months, United expects to reclassify $1.36 million of gains from AOCI into earnings related to these agreements.

Fair Value Hedges of Interest Rate Risk

United is exposed to changes in the fair value of certain of its fixed-rate obligations due to changes in interest rates. United uses interest rate derivatives to manage its exposure to changes in fair value on these instruments attributable to changes in interest rates. For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in earnings. United includes the gain or loss on the hedged items in the same income statement line item as the offsetting loss or gain on the related derivatives.

At December 31, 2021, United had an interest rate swap that was designated as a fair value hedge of fixed-rate brokered time deposits. During the first quarter of 2022, the hedged brokered deposit and the associated swap matured. The swap involved the receipt of fixed-rate amounts from a counterparty in exchange for United making variable rate payments over the life of the agreements.

The table below presents the effect of derivatives in hedging relationships, all of which are interest rate contracts, on the consolidated statement of income for the periods indicated (in thousands).



	Three Months Ended June 30,				Six Months Ended June 30,
	2022		2021		2022		2021

Total interest expense presented in the consolidated statements of income	$	(8,475)	$	(7,433)	$	(15,742)	$	(16,911)
Effect of hedging relationships on interest expense:




Net income recognized on fair value hedges	—		46		28		124



Net expense recognized on cash flow hedges (1)	(106)		(147)		(247)		(291)

(1) Includes premium amortization expense excluded from the assessment of hedge effectiveness of $118,000 for both the three months ended June 30, 2022 and 2021, and $234,000 for both the six months ended June 30, 2022 and 2021.

Derivatives Not Designated as Hedging Instruments

Customer derivative positions include swaps, caps, and collars between United and certain commercial loan customers with offsetting positions to dealers under a back-to-back program. In addition, United occasionally enters into credit risk participation agreements with counterparty banks to accept or transfer a portion of the credit risk related to interest rate swaps. The agreements, which are typically executed in conjunction with a participation in a loan with the same customer, allow customers to execute an interest rate swap with one bank while allowing for the distribution of the credit risk among participating members.

United also has three interest rate swap contracts that are not designated as hedging instruments but are economic hedges of market-linked brokered certificates of deposit. The market-linked brokered certificates of deposit contain embedded derivatives that are bifurcated from the host instruments and are marked to market through earnings. The fair value marks on the market-linked swaps and the bifurcated embedded derivatives tend to move in opposite directions with changes in 90-day LIBOR and therefore provide an economic hedge.

In addition, United originates certain residential mortgage loans with the intention of selling these loans. Between the time United enters into an interest-rate lock commitment to originate a residential mortgage loan that is to be held for sale and the time the loan is funded and eventually sold, United is subject to the risk of variability in market prices. United enters into forward sale agreements to mitigate risk and to protect the expected gain on the eventual loan sale. The commitments to originate residential mortgage loans and forward loan sales commitments are freestanding derivative instruments. Fair value adjustments on these derivative instruments are recorded within mortgage loan gains and other related fee income in the consolidated statements of income.

The table below presents the gains and losses recognized in income on derivatives not designated as hedging instruments for the periods indicated (in thousands).


	Location of Gain (Loss) Recognized in Income on Derivatives	Amount of Gain (Loss) Recognized in Income on Derivatives
		Three Months Ended June 30,				Six Months Ended June 30,
		2022		2021		2022		2021

Customer derivatives and dealer offsets	Other noninterest income	$	445	$	162	$	1,214	$	2,059
Bifurcated embedded derivatives and dealer offsets	Other noninterest income	85		(42)		198		417


Mortgage banking derivatives	Mortgage loan revenue	2,616		(3,494)		7,250		342
Risk participations	Other noninterest income	93		98		94		(107)
		$	3,239	$	(3,276)	$	8,756	$	2,711

Credit-Risk-Related Contingent Features

United manages its credit exposure on derivatives transactions by entering into a bilateral credit support agreement with each non-customer counterparty. The credit support agreements require collateralization of exposures beyond specified minimum threshold amounts. The details of these agreements, including the minimum thresholds, vary by counterparty.

United’s agreements with each of its derivative counterparties provide that if either party defaults on any of its indebtedness, then it could also be declared in default on its derivative obligations. The agreements with derivative counterparties also include provisions

that if not met, could result in United being declared in default. United has agreements with certain of its derivative counterparties that provide that if United fails to maintain its status as a well-capitalized institution or is subject to a prompt corrective action directive, the counterparty could terminate the derivative positions and United would be required to settle its obligations under the agreements. Derivatives that are centrally cleared do not have credit-risk-related features that would require additional collateral if United’s credit rating were downgraded.

Goodwill and Other Intangible Assets

6 Months Ended

Jun. 30, 2022

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Other Intangible Assets

The carrying amount of goodwill and other intangible assets as of the dates indicated is summarized below (in thousands).


	June 30, 2022		December 31, 2021
Core deposit intangible	$	46,902	$	38,192
Less: accumulated amortization	(23,214)		(25,870)
Net core deposit intangible	23,688		12,322
Customer relationship intangible	8,400		8,400
Less: accumulated amortization	(718)		(322)
Net customer relationship intangible	7,682		8,078
Total intangibles subject to amortization, net (1)	31,370		20,400
Goodwill	751,174		452,007
Total goodwill and other intangible assets, net	$	782,544	$	472,407

(1) As intangible assets become fully amortized, they are excluded from balances presented.

During the first quarter of 2022, as a result of the Reliant acquisition, United recorded a core deposit intangible of $14.5 million. See Note 4 for further detail.

The following is a summary of changes in the carrying amounts of goodwill (in thousands):


	Three Months Ended June 30,				Six Months Ended June 30,
	2022		2021		2022		2021

Balance, beginning of period (1)	$	751,174	$	367,809	$	452,007	$	367,809
Acquisitions	—		—		299,167		—

Balance, end of period (1)	$	751,174	$	367,809	$	751,174	$	367,809

(1) Goodwill balances are shown net of accumulated impairment losses of $306 million incurred prior to 2021.

The estimated aggregate amortization expense for future periods for finite lived intangibles is as follows (in thousands):



Remainder of 2022	$	3,297
2023	5,903
2024	5,018
2025	4,051
2026	3,303
Thereafter	9,798
Total	$	31,370

Long-term Debt

6 Months Ended

Jun. 30, 2022

Debt Disclosure [Abstract]

Long-term Debt

Long-term debt consisted of the following (in thousands):


	June 30, 2022		December 31, 2021		Issue Date	Stated Maturity Date	Earliest Call Date	Interest Rate






2027 senior debentures	35,000		35,000		2015	2027	2025	5.500% through August 2025, 3-month LIBOR plus 3.71% thereafter
2030 senior debentures	100,000		100,000		2020	2030	2025	5.00% through June 2025, 3-month SOFR plus 4.87% thereafter
Total senior debentures	135,000		135,000

2028 subordinated debentures	100,000		100,000		2018	2028	2023	4.500% through January 2023, 3-month LIBOR plus 2.12% thereafter
2029 subordinated debentures	60,000		—		2019	2029	2024	5.125% until December 2024, 3-month SOFR plus 3.765% thereafter
Total subordinated debentures	160,000		100,000


Tidelands Statutory Trust I	8,248		8,248		2006	2036	*	3-month LIBOR plus 1.38%
Four Oaks Statutory Trust I	12,372		12,372		2006	2036	*	3-month LIBOR plus 1.35%
Community First Capital Trust I	3,093		—		2002	2032	*	Prime plus 0.50%
Community First Capital Trust II	5,155		—		2005	2035	*	3-month LIBOR plus 1.50%
Community First Capital Trust III	5,464		—		2007	2037	*	3-month LIBOR plus 3.00%
Total trust preferred securities	34,332		20,620
Less net discount	(4,961)		(8,260)
Total long-term debt	$	324,371	$	247,360

* Indicates currently redeemable.

Interest is currently paid at least semiannually for all senior and subordinated debentures and trust preferred securities. All debt instruments reported above are obligations of the Holding Company.

During the first quarter of 2022, United assumed $76.7 million in subordinated debentures and trust preferred securities as part of the Reliant acquisition. See Note 4 for further detail.

Assets and Liabilities Measured at Fair Value

6 Months Ended

Jun. 30, 2022

Fair Value Disclosures [Abstract]

Assets and Liabilities Measured at Fair Value

Fair value measurements are determined based on the assumptions that market participants would use in pricing the asset or liability. As a basis for considering market participant assumptions in fair value measurements, United uses a fair value hierarchy that distinguishes between market participant assumptions based on market data obtained from sources independent of the reporting entity (observable inputs that are classified within Levels 1 and 2 of the hierarchy) and the reporting entity’s own assumptions about market participant assumptions (unobservable inputs classified within Level 3 of the hierarchy). United has processes in place to review the significant valuation inputs and to reassess how the instruments are classified in the valuation framework.

Fair Value Hierarchy

Level 1 Valuation is based upon quoted prices (unadjusted) in active markets for identical assets or liabilities that United has the ability to access.

Level 2 Valuation is based upon quoted prices for similar assets and liabilities in active markets, as well as inputs that are observable for the asset or liability (other than quoted prices), such as interest rates, foreign exchange rates, and yield curves that are observable at commonly quoted intervals.

Level 3 Valuation is generated from model-based techniques that use at least one significant assumption based on unobservable inputs for the asset or liability, which are typically based on an entity’s own assumptions, as there is little, if any, related market activity.

In instances when the determination of the fair value measurement is based on inputs from different levels of the fair value hierarchy, the level in the fair value hierarchy within which the entire fair value measurement falls is based on the lowest level input that is

significant to the fair value measurement in its entirety. The assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the asset or liability.

The following is a description of the valuation methodologies used for assets and liabilities recorded at fair value.

Investment Securities

AFS debt securities and equity securities with readily determinable fair values are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include MBS issued by GSEs, municipal bonds, corporate debt securities, asset-backed securities and supranational entity securities and are valued based on observable inputs that include: quoted market prices for similar assets, quoted market prices that are not in an active market, or other inputs that are observable in the market and can be corroborated by observable market data for substantially the full term of the securities. Securities classified as Level 3 include those traded in less liquid markets and are valued based on estimates obtained from broker-dealers that are not directly observable or models which incorporate unobservable inputs.

Deferred Compensation Plan Assets and Liabilities

Included in other assets in the consolidated balance sheet are assets related to employee deferred compensation plans. The assets associated with these plans are invested in mutual funds and classified as Level 1. Deferred compensation liabilities, also classified as Level 1, are carried at the fair value of the obligation to the employee, which mirrors the fair value of the invested assets and is included in other liabilities in the consolidated balance sheet.

Mortgage Loans Held for Sale

United has elected the fair value option for most of its newly originated mortgage loans held for sale in order to reduce certain timing differences and better match changes in fair values of the loans with changes in the value of derivative instruments used to economically hedge them. The fair value of mortgage loans held for sale is determined using quoted prices for a similar asset, adjusted for specific attributes of that loan, and are classified as Level 2. In connection with the Reliant acquisition, United acquired certain mortgage loans held for sale for which the fair value option was not elected; these loans are carried at the lower of aggregate cost or fair value.

Derivative Financial Instruments

United uses derivatives to manage interest rate risk. The valuation of these instruments is typically determined using widely accepted valuation techniques including discounted cash flow analysis on the expected cash flows of each derivative. This analysis reflects the contractual terms of the derivatives, including the period to maturity, and uses observable market-based inputs, including interest rate curves and implied volatilities. The fair values of interest rate swaps are determined using the market standard methodology of netting the discounted future fixed cash receipts and the discounted expected variable cash payments. The variable cash payments are based on an expectation of future interest rates (forward curves) derived from observable market interest rate curves. United also uses best effort and mandatory delivery forward loan sale commitments to hedge risk in its mortgage lending business.

United incorporates CVAs as necessary to appropriately reflect the respective counterparty’s nonperformance risk in the fair value measurements. In adjusting the fair value of its derivative contracts for the effect of nonperformance risk, United has considered the effect of netting and any applicable credit enhancements, such as collateral postings, thresholds and guarantees.

Management has determined that the majority of the inputs used to value its derivatives fall within Level 2 of the fair value hierarchy. However, the CVAs associated with these derivatives utilize Level 3 inputs, such as estimates of current credit spreads, to evaluate the likelihood of default by itself and its counterparties. Generally, management’s assessment of the significance of the CVAs has indicated that they are not a significant input to the overall valuation of the derivatives. In cases where management’s assessment indicates that the CVA is a significant input, the related derivative is disclosed as a Level 3 value.

Other derivatives classified as Level 3 include structured derivatives for which broker quotes, used as a key valuation input, were not observable. Risk participation agreements are classified as Level 3 instruments due to the incorporation of significant Level 3 inputs used to evaluate the probability of funding and the likelihood of customer default. Interest rate lock commitments, which relate to mortgage loan commitments, are categorized as Level 3 instruments as the fair value of these instruments is based on unobservable inputs for commitments that United does not expect to fund.

Servicing Rights for Residential and SBA/USDA Loans

United recognizes servicing rights upon the sale of residential and SBA/USDA loans sold with servicing retained. Management has elected to carry these assets at fair value. Given the nature of these assets, the key valuation inputs are unobservable and management classifies these assets as Level 3.

Assets and Liabilities Measured at Fair Value on a Recurring Basis

The table below presents United’s assets and liabilities measured at fair value on a recurring basis as of the dates indicated, aggregated by the level in the fair value hierarchy within which those measurements fall (in thousands).


June 30, 2022	Level 1		Level 2		Level 3		Total
Assets:
AFS debt securities:
U.S. Treasuries	$	182,703	$	—	$	—	$	182,703
U.S. Government agencies & GSEs	—		257,182		—		257,182
State and political subdivisions	—		321,883		—		321,883
Residential MBS	—		1,870,571		—		1,870,571
Commercial MBS	—		733,052		—		733,052
Corporate bonds	—		217,669		2,287		219,956
Asset-backed securities	—		374,938		—		374,938
Equity securities with readily available fair values	10,350		1,253		—		11,603
Mortgage loans held for sale	—		22,298		—		22,298
Deferred compensation plan assets	11,122		—		—		11,122
Servicing rights for SBA/USDA loans	—		—		6,167		6,167
Residential mortgage servicing rights	—		—		35,131		35,131
Derivative financial instruments	—		27,152		10,199		37,351
Total assets	$	204,175	$	3,825,998	$	53,784	$	4,083,957

Liabilities:
Deferred compensation plan liability	$	11,146	$	—	$	—	$	11,146
Derivative financial instruments	—		57,770		10,795		68,565

Total liabilities	$	11,146	$	57,770	$	10,795	$	79,711


December 31, 2021	Level 1		Level 2		Level 3		Total
Assets:
AFS debt securities:
U.S. Treasuries	$	217,520	$	—	$	—	$	217,520
U.S. Government agencies & GSEs	—		187,032		—		187,032
State and political subdivisions	—		275,844		—		275,844
Residential MBS	—		2,145,134		—		2,145,134
Commercial MBS	—		873,851		—		873,851
Corporate bonds	—		190,771		2,395		193,166
Asset-backed securities	—		604,277		—		604,277
Equity securities with readily available fair values	—		1,302		—		1,302
Mortgage loans held for sale	—		44,109		—		44,109
Deferred compensation plan assets	11,769		—		—		11,769
Servicing rights for SBA/USDA loans	—		—		6,513		6,513
Residential mortgage servicing rights	—		—		25,161		25,161
Derivative financial instruments	—		35,722		6,758		42,480
Total assets	$	229,289	$	4,358,042	$	40,827	$	4,628,158

Liabilities:
Deferred compensation plan liability	$	11,795	$	—	$	—	$	11,795
Derivative financial instruments	—		20,097		5,048		25,145
Total liabilities	$	11,795	$	20,097	$	5,048	$	36,940

The following table shows a reconciliation of the beginning and ending balances for the periods indicated for assets measured at fair value on a recurring basis using significant unobservable inputs that are classified as Level 3 values (in thousands).


	2022										2021
	Derivative Assets		Derivative Liabilities		SBA/USDA loan servicing rights		Residential mortgage servicing rights		Corporate Bonds		Derivative Assets		Derivative Liabilities		SBA/USDA loan servicing rights		Residential mortgage servicing rights		Corporate Bonds
Three Months Ended June 30,
Beginning balance	$	7,902	$	8,531	$	6,962	$	32,641	$	2,332	$	8,308	$	4,606	$	6,226	$	20,728	$	1,750

Additions	—		99		800		1,723		—		—		97		610		3,792		—

Sales and settlements	—		(1)		(408)		(638)		—		—		—		(453)		(1,426)		—
Fair value adjustments included in OCI	—		—		—		—		(45)		—		—		—		—		(43)
Fair value adjustments included in earnings	2,297		2,166		(1,187)		1,405		—		(1,419)		(759)		(268)		(1,526)		—
Ending balance	$	10,199	$	10,795	$	6,167	$	35,131	$	2,287	$	6,889	$	3,944	$	6,115	$	21,568	$	1,707

Six Months Ended June 30,
Beginning balance	$	6,758	$	5,048	$	6,513	$	25,161	$	2,395	$	10,779	$	2,408	$	6,462	$	16,216	$	1,750

Additions	—		99		1,388		3,890		—		175		97		839		6,993		—
Transfers from Level 3	(290)		—		—		—		—		—		—		—		—		—
Sales and settlements	—		(1)		(637)		(1,314)		—		—		—		(644)		(2,555)		—
Fair value adjustments included in OCI	—		—		—		—		(108)		—		—		—		—		(43)
Fair value adjustments included in earnings	3,731		5,649		(1,097)		7,394		—		(4,065)		1,439		(542)		914		—
Ending balance	$	10,199	$	10,795	$	6,167	$	35,131	$	2,287	$	6,889	$	3,944	$	6,115	$	21,568	$	1,707

The following table presents quantitative information about significant Level 3 inputs for fair value on a recurring basis as of the dates indicated.


Level 3 Assets and Liabilities	Valuation Technique	Significant Unobservable Inputs	June 30, 2022			December 31, 2021
			Range	Weighted Average		Range	Weighted Average
SBA/USDA loan servicing rights	Discounted cash flow	Discount rate	3.3% - 50.6%	13.7	%	0.0% - 45.4%	10.3	%
		Prepayment rate	0.0 - 34.2	16.5		3.2 - 31.3	16.3
Residential mortgage servicing rights	Discounted cash flow	Discount rate	9.5 - 10.5	9.5		9.5 - 10.5	9.5
		Prepayment rate	7.0 - 40.2	7.7		7.0 - 77.6	12.6

Corporate bonds	Discounted cash flow	Discount rate	5.1 - 5.3	5.1		3.6 - 3.8	3.6
Derivative assets - customer derivative positions	Internal model	Estimated loss rate	N/A	N/A		33.4 - 44.0	36.0

Derivative assets - mortgage	Internal model	Pull through rate	55.4 - 100	88.8		45.9 - 100	87.2
Derivative assets and liabilities - other	Dealer priced	Dealer priced	N/A	N/A		N/A	N/A

Fair Value Option

United generally records mortgage loans held for sale at fair value under the fair value option. Interest income on these loans is calculated based on the note rate of the loan and is recorded in interest revenue. Through the Reliant acquisition, United acquired mortgage loans held for sale accounted for under the lower of cost or fair value method. These loans are separately disclosed under the heading “Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis” within this footnote. The following tables present the fair value and outstanding principal balance of loans accounted for under the fair value option, as well as the gain or loss recognized from the change in fair value for the periods indicated (in thousands).


Mortgage Loans Held for Sale
	June 30, 2022		December 31, 2021
Outstanding principal balance	$	21,781	$	42,581
Fair value	22,298		44,109


Gain (Loss) from Change in Fair Value on Mortgage Loans Held for Sale
Location	Three Months Ended June 30,				Six Months Ended June 30,
	2022		2021		2022		2021
Mortgage loan gains and other related fees	$	163	$	521	$	(1,011)	$	(1,721)

Changes in fair value were mostly offset by hedging activities. An immaterial portion of these amounts was attributable to changes in instrument-specific credit risk.

Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis

United may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis. These adjustments to fair value usually result from the application of the lower of the amortized cost or fair value accounting or write-downs of individual assets due to impairment. The following table presents the fair value hierarchy and carrying value of assets that were still held as of June 30, 2022 and December 31, 2021, for which a nonrecurring fair value adjustment was recorded during the year-to-date periods presented (in thousands).


	Level 1		Level 2		Level 3		Total
June 30, 2022
Loans held for investment	$	—	$	—	$	1,240	$	1,240
Mortgage loans held for sale	—		—		18,380		18,380

December 31, 2021
Loans held for investment	$	—	$	—	$	2,536	$	2,536

Mortgage loans held for sale that were acquired from Reliant were subject to a nonrecurring fair value adjustment resulting from the application of the lower of the amortized cost or fair value accounting. As of June 30, 2022, these loans were classified as nonrecurring Level 3 because the valuation of these loans was based on indicative bids provided by a broker, not corroborated by market transactions.

Loans held for investment that are reported above as being measured at fair value on a nonrecurring basis are generally impaired loans that have either been partially charged off or have specific reserves assigned to them. Nonaccrual loans that are collateral dependent are generally written down to net realizable value, which reflects fair value less the estimated costs to sell. Specific reserves that are established based on appraised value of collateral are considered nonrecurring fair value adjustments as well. When the fair value of the collateral is based on an observable market price or a current appraised value, United records the impaired loan as nonrecurring Level 2. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, United records the impaired loan as nonrecurring Level 3.

Assets and Liabilities Not Measured at Fair Value

For financial instruments that have quoted market prices, those quotes are used to determine fair value. Financial instruments that have no defined maturity, have a remaining maturity of 180 days or less, or reprice frequently to a market rate, are assumed to have a fair value that approximates reported book value, after taking into consideration any applicable credit risk. If no market quotes are available, financial instruments are valued by discounting the expected cash flows using an estimated current market interest rate for the financial instrument. For off-balance sheet derivative instruments, fair value is estimated as the amount that United would receive or pay to terminate the contracts at the reporting date, taking into account the current unrealized gains or losses on open contracts.

Cash and cash equivalents and repurchase agreements have short maturities and therefore the carrying value approximates fair value. Due to the short-term settlement of accrued interest receivable and payable, the carrying amount closely approximates fair value.

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 the premium or discount on any particular financial instrument that could result from the sale of United’s entire holdings. All estimates are inherently subjective in nature. 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 instruments include the mortgage banking operation, brokerage network, deferred income taxes, premises and equipment and goodwill. In addition, the 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 the estimates.

Off-balance sheet instruments (commitments to extend credit and standby letters of credit) for which draws can be reasonably predicted are generally short-term in maturity and are priced at variable rates. Therefore, the estimated fair value associated with these instruments is immaterial.

The carrying amount and fair values as of the dates indicated for other financial instruments that are not measured at fair value on a recurring basis are as follows (in thousands).


			Fair Value Level
	Carrying Amount		Level 1		Level 2		Level 3		Total
June 30, 2022
Assets:
HTM debt securities	$	2,722,475	$	—	$	2,431,138	$	—	$	2,431,138
Loans and leases, net	14,404,305		—		—		14,063,685		14,063,685


Liabilities:
Deposits	20,873,083		—		20,869,002		—		20,869,002

Long-term debt	324,371		—		—		322,102		322,102

December 31, 2021
Assets:
HTM debt securities	$	1,156,098	$	—	$	1,148,804	$	—	$	1,148,804
Loans and leases, net	11,657,814		—		—		11,607,821		11,607,821

Liabilities:
Deposits	18,241,179		—		18,239,934		—		18,239,934

Long-term debt	247,360		—		—		267,064		267,064

- Definition

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

+ References + Details

Stock-Based Compensation

6 Months Ended

Jun. 30, 2022

Share-Based Payment Arrangement [Abstract]

Stock-Based Compensation

United has an equity compensation plan that allows for grants of various share-based compensation. The general terms of the plan include a vesting period (usually four years) with an exercisable period not to exceed ten years. Certain options and restricted stock unit awards provide for accelerated vesting if there is a change in control (as defined in the plan document). As of June 30, 2022, 2,982,380 additional awards could be granted under the plan.

The table below presents restricted stock unit and option activity for the six months ended June 30, 2022.


	Restricted Stock Unit Awards			Options
	Shares	Weighted- Average Grant- Date Fair Value		Aggregate Intrinsic Value ($000)		Shares	Weighted- Average Exercise Price		Weighted- Average Remaining Contractual Term (Years)	Aggregate Intrinsic Value ($000)
Outstanding at December 31, 2021	808,474	$	25.15			35,460	$	8.38
Granted	154,698	32.38				48,239	20.88
Released / Exercised	(108,441)	25.13		$	3,976	(15,765)	20.72			$	247

Cancelled	(23,912)	26.31				—	—
Outstanding at June 30, 2022	830,819	26.47		25,082		67,934	14.39		3.2	1,074

Vested / Exercisable at June 30, 2022	16,354	36.69				67,934	14.39		3.2	1,074

Options granted in 2022 reflect options assumed in the Reliant acquisition, with the weighted average exercise price of Reliant’s fully vested converted options determined pursuant to the purchase agreement. The value of the Reliant options was determined using a Black-Scholes model and was included in the purchase price for the acquisition. No compensation expense relating to options was included in earnings for the six months ended June 30, 2022 and 2021.

Compensation expense for restricted stock units and performance stock units without market conditions is based on the market value of United’s common stock on the date of grant. Compensation expense for performance stock units with market conditions is based on the grant date per share fair market value, which was estimated using the Monte Carlo Simulation valuation model. United recognizes the impact of forfeitures as they occur. The value of restricted stock unit and performance stock unit awards is amortized into expense over the service period.

For the six months ended June 30, 2022 and 2021, expense of $4.62 million and $2.91 million, respectively, was recognized related to restricted stock unit and performance stock unit awards granted to United employees, which was included in salaries and employee benefits expense. In addition, for the six months ended June 30, 2022 and 2021, $238,000 and $235,000, respectively, was recognized in other expense for restricted stock unit awards granted to members of United’s Board of Directors.

A deferred income tax benefit related to stock-based compensation expense of $1.24 million and $802,000 was included in the determination of income tax expense for the six months ended June 30, 2022 and 2021, respectively. As of June 30, 2022, there was $15.0 million of unrecognized expense related to non-vested restricted stock unit and performance stock unit awards granted under the plan. That cost is expected to be recognized over a weighted-average period of 2.5 years.

Reclassifications Out of AOCI

6 Months Ended

Jun. 30, 2022

Equity [Abstract]

Reclassifications Out of AOCI

The following table presents the details regarding amounts reclassified out of AOCI for the periods indicated (in thousands). Amounts shown in parentheses reduce earnings.



Details about AOCI Components	Three Months Ended June 30,				Six Months Ended June 30,				Affected Line Item in the Statement Where Net Income is Presented
	2022		2021		2022		2021
Realized gains (losses) on AFS securities:
	$	46	$	41	$	(3,688)	$	41	Securities gains (losses), net
	(11)		(14)		979		(14)		Income tax (expense) benefit
	$	35	$	27	$	(2,709)	$	27	Net of tax

Amortization of unrealized losses on HTM securities transferred from AFS:
	$	(1,769)	$	—	$	(1,769)	$	—	Investment securities interest revenue
	422		—		422		—		Income tax benefit
	$	(1,347)	$	—	$	(1,347)	$	—	Net of tax

Losses on derivative instruments accounted for as cash flow hedges:
Interest rate contracts	$	(106)	$	(147)	$	(247)	$	(291)	Long-term debt interest expense

	27		37		63		74		Income tax benefit
	$	(79)	$	(110)	$	(184)	$	(217)	Net of tax




Amortization of defined benefit pension plan net periodic pension cost components:
Prior service cost	$	(93)	$	(117)	$	(185)	$	(234)	Salaries and employee benefits expense
Actuarial losses	(78)		(144)		(156)		(288)		Other expense

	(171)		(261)		(341)		(522)		Total before tax
	44		67		87		134		Income tax benefit
	$	(127)	$	(194)	$	(254)	$	(388)	Net of tax

Total reclassifications for the period	$	(1,518)	$	(277)	$	(4,494)	$	(578)	Net of tax

Earnings Per Share

6 Months Ended

Jun. 30, 2022

Earnings Per Share [Abstract]

Earnings Per Share

The following table sets forth the computation of basic and diluted earnings per share for the periods indicated (in thousands, except per share data).


	Three Months Ended June 30,				Six Months Ended June 30,
	2022		2021		2022		2021
Net income	$	66,842	$	70,260	$	114,861	$	143,966
Dividends on preferred stock	(1,719)		(1,719)		(3,438)		(3,438)
Earnings allocated to participating securities	(362)		(432)		(596)		(894)
Net income available to common shareholders	$	64,761	$	68,109	$	110,827	$	139,634

Weighted average shares outstanding:
Basic	106,610		87,289		106,580		87,306
Effect of dilutive securities:
Stock options	36		—		41		—
Restricted stock units	70		132		76		137
Diluted	106,716		87,421		106,697		87,443

Net income per common share:
Basic	$	0.61	$	0.78	$	1.04	$	1.60
Diluted	$	0.61	$	0.78	$	1.04	$	1.60

At June 30, 2022 and 2021, United had no potentially dilutive instruments outstanding that were not included in the above analysis.

Regulatory Matters

6 Months Ended

Jun. 30, 2022

Regulatory Capital Requirements Under Banking Regulations [Abstract]

Regulatory Matters

As of June 30, 2022, United and the Bank were categorized as well-capitalized under the regulatory requirements in effect at that time. To be categorized as well-capitalized, United and the Bank must have exceeded the well-capitalized guideline ratios in effect at the time, as set forth in the table below, and have met certain other requirements. Management believes that United and the Bank exceeded all well-capitalized requirements at June 30, 2022, and there have been no conditions or events since quarter-end that would change the status of well-capitalized.

Regulatory capital ratios at June 30, 2022 and December 31, 2021, along with the minimum amounts required for capital adequacy purposes and to be well-capitalized under regulatory requirements in effect at such times are presented below for United and the Bank (dollars in thousands):


					United Community Banks, Inc. (Consolidated)						United Community Bank
	Minimum (1)		Well- Capitalized		June 30, 2022			December 31, 2021			June 30, 2022			December 31, 2021
Risk-based ratios:
CET1 capital	4.5	%	6.5	%	12.00		%	12.46		%	12.89		%	12.87		%
Tier 1 capital	6.0		8.0		12.57			13.17			12.89			12.87
Total capital	8.0		10.0		14.45			14.65			13.62			13.46
Leverage ratio	4.0		5.0		9.03			8.75			9.25			8.53

CET1 capital					$	2,039,434		$	1,688,176		$	2,181,665		$	1,738,557
Tier 1 capital					2,135,857			1,784,598			2,181,665			1,738,557
Total capital					2,455,296			1,984,376			2,304,895			1,818,335
Risk-weighted assets					16,994,080			13,548,534			16,921,874			13,512,405
Average total assets for the leverage ratio					23,639,913			20,402,842			23,593,745			20,377,319

(1) As of June 30, 2022 and December 31, 2021 the additional capital conservation buffer in effect was 2.50%

- Definition

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

+ References + Details

Commitments and Contingencies

6 Months Ended

Jun. 30, 2022

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies

United is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and letters of credit. These instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance sheet. The contract amounts of these instruments reflect the extent of involvement United has in particular classes of financial instruments. The exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and letters of credit written is represented by the contractual amount of these instruments. United uses the same credit policies in making commitments and conditional obligations as it uses for underwriting on-balance sheet instruments. In most cases, collateral or other security is required to support financial instruments with credit risk.

The following table summarizes the contractual amount of off-balance sheet instruments as of the dates indicated (in thousands).


	June 30, 2022		December 31, 2021
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit	$	4,481,880	$	3,591,975
Letters of credit	50,306		29,312

United holds minor investments in certain entities for tax credit and Community Reinvestment Act purposes. As of June 30, 2022 and December 31, 2021, the Bank had a recorded investment of $81.0 million and $52.7 million, respectively, in such investments, which is included in other assets on the consolidated balance sheet. As of June 30, 2022, United had committed to fund an additional $7.93 million related to future capital calls that are not reflected in the consolidated balance sheet.

As of June 30, 2022, the Holding Company also had $18.9 million in commitments for future capital calls to fintech fund limited partnerships that have not been reflected in the consolidated balance sheet.

United, in the normal course of business, is subject to various pending and threatened lawsuits in which claims for monetary damages are asserted. Although it is not possible to predict the outcome of these lawsuits, or the range of any possible loss, management, after consultation with legal counsel, does not anticipate that the ultimate aggregate liability, if any, arising from these lawsuits will have a material adverse effect on United’s financial position or results of operations.

Basis of Presentation (Policies)	6 Months Ended
Basis of Presentation (Policies)	Jun. 30, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation	United’s accounting and financial reporting policies conform to GAAP and reporting guidelines of banking regulatory authorities. The accompanying interim consolidated financial statements have not been audited. All material intercompany balances and transactions have been eliminated. A more detailed description of United’s accounting policies is included in its 2021 10-K. In management’s opinion, all accounting adjustments necessary to accurately reflect the financial position and results of operations on the accompanying financial statements have been made. These adjustments are normal and recurring accruals considered necessary for a fair and accurate presentation. The results for interim periods are not necessarily indicative of results for the full year or any other interim periods. The accompanying unaudited consolidated financial statements should be read in conjunction with the consolidated financial statements and related notes appearing in United’s 2021 10-K.
Recently Adopted Standards and Recently Issued Standards	Recently Adopted Standards In July 2021, the FASB issued ASU No. 2021-05, Leases (Topic 842): Lessors - Certain Leases with Variable Lease Payments. The update amends the lease classification requirements for lessors to align them with practice under the former lease accounting standard. Specifically, lessors should classify a lease with variable lease payments that do not depend on a reference index or rate as an operating lease if certain criteria are met. United adopted this update as of January 1, 2022, with no material impact on the consolidated financial statements. Recently Issued Standards In March 2022, the FASB issued ASU No. 2022-01, Derivatives and Hedging (Topic 815): Fair Value Hedging - Portfolio Layer Method. The update expands the current last-of-layer method to a portfolio layer method which allows multiple hedged layers of a single closed portfolio and non-prepayable financial assets. In addition, the update specifies that eligible hedging instruments may include spot-starting or forward-starting swaps and that the number of hedged layers corresponds with the number of hedges designated. Finally, the update provides additional guidance on the accounting for and disclosure of hedge basis adjustments. For public entities, this guidance is effective for fiscal years beginning after December 15, 2022. United does not expect the new guidance to have a material impact on the consolidated financial statements. In March 2022, the FASB issued ASU No. 2022-02, Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures. The update eliminates the previous accounting guidance for TDRs by creditors, while enhancing disclosure requirements for certain loan refinancings and restructurings when a borrower is experiencing financial difficulty. The update also requires that an entity disclose current-period gross charge-offs by year of origination. For public entities, this guidance is effective for fiscal years beginning after December 15, 2022. United does not expect the new guidance to have a material impact on the consolidated financial statements. In June 2022, the FASB issued ASU No. 2022-03, Fair Value Measurement (Topic 820) - Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions. The update clarifies that a contractual restriction on the sale of an equity security is not considered part of the unit of account and, therefore, is not considered in measuring fair value. For public entities, this guidance is effective for fiscal years beginning after December 15, 2023. United does not expect the new guidance to have a material impact on the consolidated financial statements.

Supplemental Cash Flow Information (Tables)

6 Months Ended

Jun. 30, 2022

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Supplemental schedule of noncash investing and financing activities

The supplemental schedule of significant non-cash investing and financing activities for the six months ended June 30, 2022 and 2021 is as follows (in thousands).


	Six Months Ended June 30,
	2022		2021


Significant non-cash investing and financing transactions:
Unsettled government guaranteed loan sales	$	—	$	6,435
Transfers of loans to repossessed and foreclosed properties	1,308		1,333

Transfers of AFS securities to HTM securities	1,288,982		—
Right-of-use assets obtained in exchange for lease liabilities	6,092		847
Acquisitions:
Assets acquired	3,254,173		—
Liabilities assumed	2,657,173		—
Net assets acquired	597,000		—
Common stock issued and options converted	596,376		—

Acquisitions (Tables)

6 Months Ended

Jun. 30, 2022

Business Combination and Asset Acquisition [Abstract]

Schedule of purchased assets and assumed liabilities

The purchased assets and assumed liabilities were recorded at their acquisition date fair values and are summarized in the table below (in thousands).


Reliant
	Fair Value Recorded by United (1)
		January 1, 2022
	Assets
	Cash and cash equivalents	$	62,867
	Debt securities	249,107
	Loans held for sale	116,406
	Loans held for investment	2,320,737

	Premises and equipment	35,631
	Bank-owned life insurance	78,170
	Accrued interest receivable	12,027

	Net deferred tax asset	5,793
	Core deposit intangible	14,500
	Other assets	59,768
	Total assets acquired	$	2,955,006
	Liabilities
	Deposits	$	2,504,823
	Short-term borrowings	27,000
	Long-term debt	76,730
	Other liabilities	48,620
	Total liabilities assumed	2,657,173


	Total identifiable net assets	297,833
	Consideration transferred
	Cash	624
	Common stock issued (16,571,545 shares)	595,581
	Options converted	795
	Total fair value of consideration transferred	597,000
	Goodwill	$	299,167

Schedule of additional information related to acquired loan portfolio

The following table presents additional information related to the acquired Reliant loan portfolio at the acquisition date (in thousands).


	January 1, 2022
PCD loans:
Par value	$	258,462
ACL at acquisition	(12,737)
Non-credit discount	(3,294)
Purchase price	$	242,431

Non-PCD loans:
Fair value	$	2,078,306
Gross contractual amounts receivable	2,355,205
Estimate of contractual cash flows not expected to be collected	25,990

Schedule of actual results and pro forma information

The actual results and pro forma information were as follows (in thousands):


	Three Months Ended June 30,				Six Months Ended June 30,
	Revenue		Net Income		Revenue		Net Income
2022
Actual Reliant results included in statement of income since acquisition date	$	29,172	$	15,550	$	43,086	$	16,148
Supplemental consolidated pro forma as if Reliant had been acquired January 1, 2021	206,227		70,569		402,465		137,329

2021

Supplemental consolidated pro forma as if Reliant had been acquired January 1, 2021	$	225,717	$	79,607	$	435,858	$	146,618

Investment Securities (Tables)

6 Months Ended

Jun. 30, 2022

Investments, Debt and Equity Securities [Abstract]

Schedule of amortized cost basis, unrealized gains and losses and fair value of HTM debt securities

The amortized cost basis, unrealized gains and losses and fair value of HTM debt securities as of the dates indicated are as follows (in thousands).


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
As of June 30, 2022
U.S. Treasuries	$	19,818	$	—	$	1,861	$	17,957
U.S. Government agencies & GSEs	99,663		—		11,797		87,866
State and political subdivisions	302,413		307		55,423		247,297
Residential MBS, Agency & GSEs	1,557,372		168		138,174		1,419,366

Commercial MBS, Agency & GSEs	728,209		—		82,876		645,333

Supranational entities	15,000		—		1,681		13,319
Total	$	2,722,475	$	475	$	291,812	$	2,431,138

As of December 31, 2021
U.S. Treasuries	$	19,803	$	20	$	—	$	19,823
U.S. Government agencies & GSEs	70,180		—		1,121		69,059
State and political subdivisions	257,688		4,341		4,080		257,949
Residential MBS, Agency & GSEs	381,641		2,021		3,687		379,975

Commercial MBS, Agency & GSEs	411,786		4,106		8,915		406,977

Supranational entities	$	15,000	$	21	$	—	$	15,021
Total	$	1,156,098	$	10,509	$	17,803	$	1,148,804

Schedule of amortized cost basis, unrealized gains and losses, and fair value of AFS debt securities

The amortized cost basis, unrealized gains and losses, and fair value of AFS debt securities as of the dates indicated are presented below (in thousands).


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
As of June 30, 2022
U.S. Treasuries	$	194,627	$	—	$	11,924	$	182,703
U.S. Government agencies & GSEs	269,370		787		12,975		257,182
State and political subdivisions	345,091		350		23,558		321,883
Residential MBS, Agency & GSEs	1,605,953		268		105,143		1,501,078
Residential MBS, Non-agency	386,213		—		16,720		369,493
Commercial MBS, Agency & GSEs	757,154		687		55,757		702,084
Commercial MBS, Non-agency	31,686		—		718		30,968
Corporate bonds	239,710		102		19,856		219,956
Asset-backed securities	383,907		63		9,032		374,938
Total	$	4,213,711	$	2,257	$	255,683	$	3,960,285

As of December 31, 2021
U.S. Treasuries	$	218,027	$	1,661	$	2,168	$	217,520
U.S. Government agencies & GSEs	189,855		605		3,428		187,032
State and political subdivisions	263,269		15,237		2,662		275,844
Residential MBS, Agency & GSEs	2,079,700		9,785		28,521		2,060,964
Residential MBS, Non-agency	81,925		2,249		4		84,170
Commercial MBS, Agency & GSEs	870,563		2,974		16,156		857,381
Commercial MBS, Non-agency	15,202		1,268		—		16,470
Corporate bonds	194,164		814		1,812		193,166
Asset-backed securities	603,824		2,000		1,547		604,277
Total	$	4,516,529	$	36,593	$	56,298	$	4,496,824

Schedule of HTM debt securities in an unrealized loss position

The following table summarizes HTM debt securities in an unrealized loss position as of the dates indicated (in thousands).


	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
As of June 30, 2022
U.S. Treasuries	$	17,957	$	1,861	$	—	$	—	$	17,957	$	1,861
U.S. Government agencies & GSEs	62,571		9,562		25,295		2,235		87,866		11,797
State and political subdivisions	199,642		46,684		26,632		8,739		226,274		55,423
Residential MBS, Agency & GSEs	1,085,121		108,939		301,089		29,235		1,386,210		138,174

Commercial MBS, Agency & GSEs	520,424		65,291		124,908		17,585		645,332		82,876

Supranational entities	13,319		1,681		—		—		13,319		1,681
Total unrealized loss position	$	1,899,034	$	234,018	$	477,924	$	57,794	$	2,376,958	$	291,812

As of December 31, 2021
U.S. Government agencies & GSEs	$	64,658	$	888	$	4,401	$	233	$	69,059	$	1,121
State and political subdivisions	131,128		3,590		9,006		490		140,134		4,080
Residential MBS, Agency & GSEs	289,132		3,687		—		—		289,132		3,687

Commercial MBS, Agency & GSEs	314,049		8,540		10,384		375		324,433		8,915

Total unrealized loss position	$	798,967	$	16,705	$	23,791	$	1,098	$	822,758	$	17,803

Schedule of AFS debt securities in an unrealized loss position

The following table summarizes AFS debt securities in an unrealized loss position as of the dates indicated (in thousands).


	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
As of June 30, 2022
U.S. Treasuries	$	182,703	$	11,924	$	—	$	—	$	182,703	$	11,924
U.S. Government agencies & GSEs	109,886		4,662		42,110		8,313		151,996		12,975
State and political subdivisions	235,196		16,615		29,395		6,943		264,591		23,558
Residential MBS, Agency & GSEs	1,298,911		86,523		157,555		18,620		1,456,466		105,143
Residential MBS, Non-agency	369,493		16,720		—		—		369,493		16,720
Commercial MBS, Agency & GSEs	411,837		18,296		247,294		37,461		659,131		55,757
Commercial MBS, Non-agency	30,968		718		—		—		30,968		718
Corporate bonds	208,419		19,052		7,395		804		215,814		19,856
Asset-backed securities	244,043		6,781		57,921		2,251		301,964		9,032
Total unrealized loss position	$	3,091,456	$	181,291	$	541,670	$	74,392	$	3,633,126	$	255,683

As of December 31, 2021
U.S. Treasuries	$	111,606	$	2,168	$	—	$	—	$	111,606	$	2,168
U.S. Government agencies & GSEs	132,893		2,591		20,093		837		152,986		3,428
State and political subdivisions	69,302		2,581		3,148		81		72,450		2,662
Residential MBS, Agency & GSEs	1,534,744		25,799		74,481		2,722		1,609,225		28,521
Residential MBS, Non-agency	12,608		4		—		—		12,608		4
Commercial MBS, Agency & GSEs	582,235		13,098		66,014		3,058		648,249		16,156

Corporate bonds	149,246		1,811		16		1		149,262		1,812
Asset-backed securities	195,164		1,546		571		1		195,735		1,547
Total unrealized loss position	$	2,787,798	$	49,598	$	164,323	$	6,700	$	2,952,121	$	56,298

Schedule of accrued interest receivable

The following table presents accrued interest receivable for the periods indicated on HTM and AFS debt securities (in thousands), which was excluded from the estimate of credit losses.


	Accrued Interest Receivable
	June 30, 2022		December 31, 2021
HTM	$	6,360	$	3,596
AFS	12,243		9,868

Schedule of amortized cost and fair value of AFS and HTM securities by contractual maturity


	AFS				HTM
	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Within 1 year:
U.S. Treasuries	$	30,993	$	30,965	$	—	$	—
U.S. Government agencies & GSEs	401		396		—		—
State and political subdivisions	15,003		15,010		5,200		5,225
Corporate bonds	2,545		2,520		—		—

	48,942		48,891		5,200		5,225
1 to 5 years:
U.S. Treasuries	124,439		116,676		—		—
U.S. Government agencies & GSEs	38,263		35,515		—		—
State and political subdivisions	34,554		33,916		14,439		14,716
Corporate bonds	152,083		141,347		—		—

	349,339		327,454		14,439		14,716
5 to 10 years:
U.S. Treasuries	39,195		35,062		19,818		17,957
U.S. Government agencies & GSEs	72,055		65,161		48,952		44,222
State and political subdivisions	131,788		122,242		31,659		27,886
Corporate bonds	84,292		75,257		—		—
Supranational entities	—		—		15,000		13,319
	327,330		297,722		115,429		103,384
More than 10 years:
U.S. Government agencies & GSEs	158,651		156,110		50,711		43,644
State and political subdivisions	163,746		150,715		251,115		199,470
Corporate bonds	790		832		—		—

	323,187		307,657		301,826		243,114
Debt securities not due at a single maturity date:
Asset-backed securities	383,907		374,938		—		—
Residential MBS	1,992,166		1,870,571		1,557,372		1,419,366
Commercial MBS	788,840		733,052		728,209		645,333

Total	$	4,213,711	$	3,960,285	$	2,722,475	$	2,431,138

Schedule of AFS securities sales activity

The following table summarizes AFS securities sales activity for the three and six months ended June 30, 2022 and 2021 (in thousands).


	Three Months Ended June 30,				Six Months Ended June 30,
	2022		2021		2022		2021
Proceeds from sales	$	73,112	$	78,111	$	281,521	$	78,111

Gross realized gains	$	46	$	641	$	1,009	$	641
Gross realized losses	—		(600)		(4,697)		(600)

Securities gains (losses), net	$	46	$	41	$	(3,688)	$	41

Income tax expense (benefit) attributable to sales	$	11	$	14	$	(979)	$	14

Loans and Leases and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2022

Receivables [Abstract]

Schedule of major classifications of loan portfolio

Major classifications of the loan and lease portfolio (collectively referred to as the “loan portfolio” or “loans”) are summarized as of the dates indicated as follows (in thousands).


	June 30, 2022		December 31, 2021
Owner occupied commercial real estate	$	2,681,022	$	2,321,685
Income producing commercial real estate	3,273,527		2,600,858
Commercial & industrial (1)	2,252,919		1,910,162
Commercial construction	1,513,819		1,014,830
Equipment financing	1,210,842		1,083,021
Total commercial	10,932,129		8,930,556
Residential mortgage	1,996,902		1,637,885
HELOC	801,069		694,034
Residential construction	381,545		359,815
Manufactured housing	286,557		—
Consumer	143,028		138,056


Total loans	14,541,230		11,760,346

Less allowance for credit losses - loans	(136,925)		(102,532)

Loans, net	$	14,404,305	$	11,657,814

(1) Commercial and industrial loans as of June 30, 2022 and December 31, 2021 included $9.96 million and $88.3 million of PPP loans, respectively.

Schedule of loans held for investment sold


	Three Months Ended June 30,				Six Months Ended June 30,
	2022		2021		2022		2021
Guaranteed portion of SBA/USDA loans	$	39,119	$	32,303	$	67,462	$	43,648
Equipment financing receivables	20,541		18,908		43,977		19,967
Total	$	59,660	$	51,211	$	111,439	$	63,615

Schedule of components of net investment in leases


	June 30, 2022		December 31, 2021
Minimum future lease payments receivable	$	43,453	$	39,962
Estimated residual value of leased equipment	3,046		3,216
Initial direct costs	684		669
Security deposits	(503)		(687)

Unearned income	(5,845)		(5,432)
Net investment in leases	$	40,835	$	37,728

Schedule of minimum future lease payments expected to be received from equipment financing lease contracts

Minimum future lease payments expected to be received from equipment financing lease contracts as of June 30, 2022 were as follows (in thousands):


Year
Remainder of 2022	$	8,570
2023	14,332
2024	9,861
2025	6,434
2026	3,414
Thereafter	842
Total	$	43,453

Schedule of loans by aging category and accrual status


	Accruing
	Current Loans		Loans Past Due
			30 - 59 Days		60 - 89 Days		> 90 Days		Nonaccrual Loans		Total Loans
As of June 30, 2022
Owner occupied commercial real estate	$	2,676,851	$	2,238	$	57	$	—	$	1,876	$	2,681,022
Income producing commercial real estate	3,265,713		601		139		—		7,074		3,273,527
Commercial & industrial	2,247,664		555		152		—		4,548		2,252,919
Commercial construction	1,513,322		289		—		—		208		1,513,819
Equipment financing	1,205,155		1,538		900		—		3,249		1,210,842
Total commercial	10,908,705		5,221		1,248		—		16,955		10,932,129
Residential mortgage	1,982,053		2,528		93		—		12,228		1,996,902
HELOC	798,639		1,089		408		—		933		801,069
Residential construction	380,872		475		—		—		198		381,545
Manufactured housing	280,158		3,358		237		—		2,804		286,557
Consumer	142,584		357		59		3		25		143,028
Total loans	$	14,493,011	$	13,028	$	2,045	$	3	$	33,143	$	14,541,230

As of December 31, 2021
Owner occupied commercial real estate	$	2,318,944	$	27	$	—	$	—	$	2,714	$	2,321,685
Income producing commercial real estate	2,593,124		146		—		—		7,588		2,600,858
Commercial & industrial	1,903,730		584		419		—		5,429		1,910,162
Commercial construction	1,014,211		—		276		—		343		1,014,830
Equipment financing	1,079,180		1,415		685		—		1,741		1,083,021
Total commercial	8,909,189		2,172		1,380		—		17,815		8,930,556
Residential mortgage	1,622,754		1,583		235		—		13,313		1,637,885
HELOC	691,814		920		88		—		1,212		694,034
Residential construction	358,741		654		—		—		420		359,815
Consumer	137,564		421		19		—		52		138,056
Total loans	$	11,720,062	$	5,750	$	1,722	$	—	$	32,812	$	11,760,346

Schedule of nonaccrual loans by loan class

The following table presents nonaccrual loans held for investment by loan class for the periods indicated (in thousands).


	Nonaccrual Loans
	June 30, 2022						December 31, 2021
	With no allowance		With an allowance		Total		With no allowance		With an allowance		Total
Owner occupied commercial real estate	$	1,386	$	490	$	1,876	$	2,141	$	573	$	2,714
Income producing commercial real estate	6,574		500		7,074		6,873		715		7,588
Commercial & industrial	2,528		2,020		4,548		3,715		1,714		5,429
Commercial construction	—		208		208		—		343		343
Equipment financing	—		3,249		3,249		—		1,741		1,741
Total commercial	10,488		6,467		16,955		12,729		5,086		17,815
Residential mortgage	2,803		9,425		12,228		3,126		10,187		13,313
HELOC	211		722		933		219		993		1,212
Residential construction	100		98		198		280		140		420
Manufactured housing	—		2,804		2,804		—		—		—
Consumer	2		23		25		6		46		52
Total	$	13,604	$	19,539	$	33,143	$	16,360	$	16,452	$	32,812

Schedule of amortized cost of loans by risk category by vintage year

The following tables present the risk category of term loans by vintage year, which is the year of origination or most recent renewal, as of the date indicated (in thousands).



	Term Loans												Revolvers		Revolvers converted to term loans		Total
As of June 30, 2022	2022		2021		2020		2019		2018		Prior
Pass
Owner occupied commercial real estate	$	417,987	$	701,620	$	651,506	$	229,330	$	138,973	$	342,269	$	108,735	$	9,482	$	2,599,902
Income producing commercial real estate	433,518		837,176		789,317		347,162		193,782		327,057		52,157		9,243		2,989,412
Commercial & industrial	283,383		547,424		238,826		155,495		131,943		91,022		741,983		5,001		2,195,077
Commercial construction	367,865		529,102		344,571		117,304		14,882		28,427		65,009		1,241		1,468,401
Equipment financing	371,560		451,535		211,154		125,559		41,780		5,065		—		—		1,206,653
Total commercial	1,874,313		3,066,857		2,235,374		974,850		521,360		793,840		967,884		24,967		10,459,445
Residential mortgage	427,438		785,961		351,619		97,033		60,590		254,954		9		3,399		1,981,003
HELOC	—		—		—		—		—		—		783,057		15,898		798,955
Residential construction	168,191		191,978		6,810		2,054		1,853		9,750		—		336		380,972
Manufactured housing	37,903		57,712		52,091		37,200		33,103		65,194		—		—		283,203
Consumer	41,947		41,537		20,867		6,976		2,994		1,266		27,193		123		142,903
	2,549,792		4,144,045		2,666,761		1,118,113		619,900		1,125,004		1,778,143		44,723		14,046,481
Special Mention
Owner occupied commercial real estate	3,798		4,943		3,621		10,380		4,247		6,825		3,034		282		37,130
Income producing commercial real estate	53,231		15,967		66,817		20,289		22,192		30,178		—		—		208,674
Commercial & industrial	242		2,136		1,118		872		1,361		305		4,779		311		11,124
Commercial construction	469		38		146		22,053		4,942		229		—		—		27,877
Equipment financing	—		—		—		—		—		—		—		—		—
Total commercial	57,740		23,084		71,702		53,594		32,742		37,537		7,813		593		284,805
Residential mortgage	—		—		—		—		—		—		—		—		—
HELOC	—		—		—		—		—		—		—		—		—
Residential construction	—		—		—		—		—		—		—		—		—
Manufactured housing	—		—		—		—		—		—		—		—		—
Consumer	—		—		—		—		—		—		—		—		—
	57,740		23,084		71,702		53,594		32,742		37,537		7,813		593		284,805
Substandard
Owner occupied commercial real estate	8,299		7,188		2,218		8,813		1,443		14,869		210		950		43,990
Income producing commercial real estate	28,240		6,299		3,061		4,409		21,420		11,553		394		65		75,441
Commercial & industrial	5,710		1,572		1,884		6,107		11,088		1,468		17,054		1,835		46,718
Commercial construction	3,097		123		55		155		3,982		9,881		—		248		17,541
Equipment financing	—		1,412		1,727		754		222		74		—		—		4,189
Total commercial	45,346		16,594		8,945		20,238		38,155		37,845		17,658		3,098		187,879
Residential mortgage	1,472		2,282		1,257		2,330		2,722		5,109		—		727		15,899
HELOC	—		—		—		—		—		—		303		1,811		2,114
Residential construction	293		41		—		21		50		168		—		—		573
Manufactured housing	—		231		450		622		826		1,225		—		—		3,354
Consumer	12		29		17		17		39		9		2		—		125
	47,123		19,177		10,669		23,228		41,792		44,356		17,963		5,636		209,944

Total	$	2,654,655	$	4,186,306	$	2,749,132	$	1,194,935	$	694,434	$	1,206,897	$	1,803,919	$	50,952	$	14,541,230


	Term Loans												Revolvers		Revolvers converted to term loans		Total
As of December 31, 2021	2021		2020		2019		2018		2017		Prior
Pass
Owner occupied commercial real estate	$	643,151	$	674,124	$	278,702	$	153,233	$	139,584	$	267,460	$	68,354	$	17,150	$	2,241,758
Income producing commercial real estate	668,322		678,487		333,911		221,218		165,563		219,459		41,157		11,830		2,339,947
Commercial & industrial	638,567		270,150		178,944		136,281		50,567		72,904		514,750		4,361		1,866,524
Commercial construction	378,695		303,154		149,740		40,625		22,983		13,206		12,628		1,673		922,704
Equipment financing	563,618		271,913		167,904		63,254		13,145		903		—		—		1,080,737
Total commercial	2,892,353		2,197,828		1,109,201		614,611		391,842		573,932		636,889		35,014		8,451,670
Residential mortgage	781,007		370,092		108,091		64,346		71,552		221,131		9		3,915		1,620,143
HELOC	—		—		—		—		—		—		676,545		14,994		691,539
Residential construction	325,111		16,301		2,802		2,278		3,144		9,352		—		33		359,021
Consumer	57,530		29,218		10,757		5,137		1,439		1,355		32,312		111		137,859
	4,056,001		2,613,439		1,230,851		686,372		467,977		805,770		1,345,755		54,067		11,260,232
Special Mention
Owner occupied commercial real estate	7,772		2,979		16,639		4,374		6,007		2,641		248		286		40,946
Income producing commercial real estate	64,139		27,875		21,875		22,292		18,415		21,880		—		—		176,476
Commercial & industrial	1,037		1,831		2,740		597		273		303		2,242		—		9,023
Commercial construction	14,283		16,237		13,149		22,479		11,766		52		—		—		77,966
Equipment financing	—		—		—		—		—		—		—		—		—
Total commercial	87,231		48,922		54,403		49,742		36,461		24,876		2,490		286		304,411
Residential mortgage	—		—		—		—		—		—		—		—		—
HELOC	—		—		—		—		—		—		—		—		—
Residential construction	—		—		—		—		—		—		—		—		—
Consumer	—		—		—		—		—		—		—		—		—
	87,231		48,922		54,403		49,742		36,461		24,876		2,490		286		304,411
Substandard
Owner occupied commercial real estate	11,987		1,049		4,216		3,712		5,829		11,088		—		1,100		38,981
Income producing commercial real estate	15,485		12,618		3,779		29,212		6,726		16,531		—		84		84,435
Commercial & industrial	2,741		1,615		5,284		12,685		1,232		5,863		4,326		869		34,615
Commercial construction	3,464		157		272		11		9,750		255		—		251		14,160
Equipment financing	428		590		676		503		84		3		—		—		2,284
Total commercial	34,105		16,029		14,227		46,123		23,621		33,740		4,326		2,304		174,475
Residential mortgage	3,339		1,585		2,813		3,229		1,205		4,744		—		827		17,742
HELOC	—		—		—		—		—		—		329		2,166		2,495
Residential construction	407		—		30		51		—		306		—		—		794
Consumer	37		16		22		26		22		50		3		21		197
	37,888		17,630		17,092		49,429		24,848		38,840		4,658		5,318		195,703

Total	$	4,181,120	$	2,679,991	$	1,302,346	$	785,543	$	529,286	$	869,486	$	1,352,903	$	59,671	$	11,760,346

Schedule of loans modified under the terms of a TDR, including TDR loans that defaulted

Loans modified under the terms of a TDR during the three and six months ended June 30, 2022 and 2021 are presented in the following table. In addition, the table presents loans modified under the terms of a TDR that defaulted (became 90 days or more delinquent or otherwise in default of modified terms) during the periods presented and were initially restructured within one year prior to default (dollars in thousands).


	New TDRs											TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted
			Post-Modification Amortized Cost by Type of Modification
	Number of Contracts	Rate Reduction			Structure			Other			Total			Number of Contracts	Amortized Cost
Three Months Ended June 30, 2022
Owner occupied commercial real estate	1		$	—		$	112		$	—		$	112	—	$	—
Income producing commercial real estate	—		—			—			—			—		—	—
Commercial & industrial	1		—			403			—			403		—	—
Commercial construction	—		—			—			—			—		—	—
Equipment financing	11		—			3,055			—			3,055		4	301
Total commercial	13		—			3,570			—			3,570		4	301
Residential mortgage	4		—			573			—			573		1	56
HELOC	—		—			—			—			—		—	—
Residential construction	—		—			—			—			—		—	—
Manufactured housing	—		—			—			—			—		—	—
Consumer	—		—			—			—			—		—	—
Total loans	17		$	—		$	4,143		$	—		$	4,143	5	$	357

Six Months Ended June 30, 2022
Owner occupied commercial real estate	1		$	—		$	112		$	—		$	112	—	$	—
Income producing commercial real estate	—		—			—			—			—		—	—
Commercial & industrial	1		—			403			—			403		—	—
Commercial construction	—		—			—			—			—		—	—
Equipment financing	27		—			4,849			—			4,849		9	408
Total commercial	29		—			5,364			—			5,364		9	408
Residential mortgage	4		—			573			—			573		1	56
HELOC	7		—			1,242			6			1,248		—	—
Residential construction	—		—			—			—			—		—	—
Manufactured housing	—		—			—			—			—		—	—
Consumer	—		—			—			—			—		—	—
Total loans	40		$	—		$	7,179		$	6		$	7,185	10	$	464

Three Months Ended June 30, 2021
Owner occupied commercial real estate	1		$	—		$	543		$	—		$	543	—	$	—
Income producing commercial real estate	1		—			—			378			378		—	—
Commercial & industrial	2		—			365			—			365		—	—
Commercial construction	—		—			—			—			—		—	—
Equipment financing	8		—			326			—			326		5	138
Total commercial	12		—			1,234			378			1,612		5	138
Residential mortgage	5		—			322			—			322		—	—
HELOC	—		—			—			—			—		1	49
Residential construction	—		—			—			—			—		—	—

Consumer	—		—			—			—			—		—	—
Total loans	17		$	—		$	1,556		$	378		$	1,934	6	$	187

Six Months Ended June 30, 2021
Owner occupied commercial real estate	1		$	—		$	543		$	—		$	543	—	$	—
Income producing commercial real estate	3		—			—			1,697			1,697		—	—
Commercial & industrial	4		—			365			103			468		1	11
Commercial construction	1		—			309			—			309		—	—
Equipment financing	36		—			2,462			—			2,462		8	200
Total commercial	45		—			3,679			1,800			5,479		9	211
Residential mortgage	6		—			391			—			391		3	413
HELOC	—		—			—			—			—		1	49
Residential construction	—		—			—			—			—		—	—

Consumer	—		—			—			—			—		—	—
Total loans	51		$	—		$	4,070		$	1,800		$	5,870	13	$	673

Schedule of balance and activity in the ACL by portfolio segment

The following table presents the balance and activity in the ACL by portfolio segment for the periods indicated (in thousands).


	Three Months Ended June 30,
	2022								2021
	Beginning Balance		Charge-Offs		Recoveries		(Release) Provision		Ending Balance		Beginning Balance		Charge-Offs		Recoveries		(Release) Provision		Ending Balance
Owner occupied commercial real estate	$	15,945	$	—	$	1,496	$	(667)	$	16,774	$	19,282	$	(1)	$	156	$	(2,145)	$	17,292
Income producing commercial real estate	33,539		—		116		(371)		33,284		34,911		(52)		213		(4,105)		30,967
Commercial & industrial	18,386		(1,011)		1,313		(421)		18,267		21,750		(857)		797		(5,276)		16,414
Commercial construction	13,782		—		144		2,136		16,062		10,572		(46)		339		(1,685)		9,180
Equipment financing	19,264		(1,709)		802		52		18,409		17,200		(1,188)		887		1,201		18,100
Residential mortgage	14,964		—		51		2,020		17,035		14,580		—		194		(3,809)		10,965
HELOC	7,128		—		346		13		7,487		6,880		(34)		146		(635)		6,357
Residential construction	1,929		—		76		81		2,086		1,362		—		33		523		1,918
Manufactured housing	7,083		(135)		—		(334)		6,614		—		—		—		—		—
Consumer	785		(728)		308		542		907		329		(353)		222		225		423
ACL - loans	132,805		(3,583)		4,652		3,051		136,925		126,866		(2,531)		2,987		(15,706)		111,616
ACL - unfunded commitments	13,564		—		—		2,553		16,117		8,726		—		—		2,118		10,844
Total ACL	$	146,369	$	(3,583)	$	4,652	$	5,604	$	153,042	$	135,592	$	(2,531)	$	2,987	$	(13,588)	$	122,460


	Six Months Ended June 30,
	2022												2021
	Beginning Balance		Initial ACL - PCD loans (1)		Charge-Offs		Recoveries		(Release) Provision		Ending Balance		Beginning Balance		Charge- Offs		Recoveries		(Release) Provision		Ending Balance
Owner occupied commercial real estate	$	14,282	$	266	$	—	$	1,541	$	685	$	16,774	$	20,673	$	(1)	$	396	$	(3,776)	$	17,292
Income producing commercial real estate	24,156		4,366		—		406		4,356		33,284		41,737		(1,059)		229		(9,940)		30,967
Commercial & industrial	16,592		2,337		(4,605)		1,978		1,965		18,267		22,019		(3,751)		6,444		(8,298)		16,414
Commercial construction	9,956		2,857		(41)		558		2,732		16,062		10,952		(224)		495		(2,043)		9,180
Equipment financing	16,290		—		(2,657)		1,483		3,293		18,409		16,820		(3,246)		1,434		3,092		18,100
Residential mortgage	12,390		385		(53)		201		4,112		17,035		15,341		(215)		317		(4,478)		10,965
HELOC	6,568		60		(9)		436		432		7,487		8,417		(34)		219		(2,245)		6,357
Residential construction	1,847		1		—		99		139		2,086		764		(10)		103		1,061		1,918
Manufactured housing	—		2,438		(308)		9		4,475		6,614		—		—		—		—		—
Consumer	451		27		(1,534)		587		1,376		907		287		(824)		488		472		423
ACL - loans	102,532		12,737		(9,207)		7,298		23,565		136,925		137,010		(9,364)		10,125		(26,155)		111,616
ACL - unfunded commitments	10,992		—		—		—		5,125		16,117		10,558		—		—		286		10,844
Total ACL	$	113,524	$	12,737	$	(9,207)	$	7,298	$	28,690	$	153,042	$	147,568	$	(9,364)	$	10,125	$	(25,869)	$	122,460

(1) Represents the initial ACL related to PCD loans acquired in the Reliant transaction.

Derivatives and Hedging Activities (Tables)

6 Months Ended

Jun. 30, 2022

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of fair value of derivative financial instruments on consolidated balance sheet


	June 30, 2022						December 31, 2021
	Notional Amount		Fair Value				Notional Amount		Fair Value
			Derivative Asset		Derivative Liability				Derivative Asset		Derivative Liability
Derivatives designated as hedging instruments:
Cash flow hedge of subordinated debt	$	100,000	$	12,318	$	—	$	100,000	$	6,389	$	—
Cash flow hedge of trust preferred securities	20,000		—		—		20,000		—		—
Fair value hedge of brokered time deposits	—		—		—		10,000		—		—
Total	120,000		12,318		—		130,000		6,389		—

Derivatives not designated as hedging instruments:
Customer derivative positions	1,095,566		795		57,212		1,206,145		28,656		10,663
Dealer offsets to customer derivative positions	1,105,566		13,629		367		1,230,885		974		9,232
Risk participations	80,401		5		2		69,385		16		7
Mortgage banking - loan commitment	45,696		1,292		—		110,897		3,450		—
Mortgage banking - forward sales commitment	81,000		410		191		201,419		67		202
Bifurcated embedded derivatives	51,935		8,902		—		51,935		2,928		—
Dealer offsets to bifurcated embedded derivatives	51,935		—		10,793		51,935		—		5,041
Total	2,512,099		25,033		68,565		2,922,601		36,091		25,145

Total derivatives	$	2,632,099	$	37,351	$	68,565	$	3,052,601	$	42,480	$	25,145

Total gross derivative instruments			$	37,351	$	68,565			$	42,480	$	25,145
Less: Amounts subject to master netting agreements			(634)		(634)				(694)		(694)
Less: Cash collateral received/pledged			(28,161)		(11,279)				(6,620)		(14,148)
Net amount			$	8,556	$	56,652			$	35,166	$	10,303

Schedule of effect of derivatives in hedging relationships on the consolidated statement of income



	Three Months Ended June 30,				Six Months Ended June 30,
	2022		2021		2022		2021

Total interest expense presented in the consolidated statements of income	$	(8,475)	$	(7,433)	$	(15,742)	$	(16,911)
Effect of hedging relationships on interest expense:




Net income recognized on fair value hedges	—		46		28		124



Net expense recognized on cash flow hedges (1)	(106)		(147)		(247)		(291)

Schedule of gains and losses recognized in income on derivatives not designated as hedging instruments

The table below presents the gains and losses recognized in income on derivatives not designated as hedging instruments for the periods indicated (in thousands).


	Location of Gain (Loss) Recognized in Income on Derivatives	Amount of Gain (Loss) Recognized in Income on Derivatives
		Three Months Ended June 30,				Six Months Ended June 30,
		2022		2021		2022		2021

Customer derivatives and dealer offsets	Other noninterest income	$	445	$	162	$	1,214	$	2,059
Bifurcated embedded derivatives and dealer offsets	Other noninterest income	85		(42)		198		417


Mortgage banking derivatives	Mortgage loan revenue	2,616		(3,494)		7,250		342
Risk participations	Other noninterest income	93		98		94		(107)
		$	3,239	$	(3,276)	$	8,756	$	2,711

- Definition

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

+ References

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+ Details

Goodwill and Other Intangible Assets (Tables)

6 Months Ended

Jun. 30, 2022

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of carrying amount of goodwill and other intangible assets

The carrying amount of goodwill and other intangible assets as of the dates indicated is summarized below (in thousands).


	June 30, 2022		December 31, 2021
Core deposit intangible	$	46,902	$	38,192
Less: accumulated amortization	(23,214)		(25,870)
Net core deposit intangible	23,688		12,322
Customer relationship intangible	8,400		8,400
Less: accumulated amortization	(718)		(322)
Net customer relationship intangible	7,682		8,078
Total intangibles subject to amortization, net (1)	31,370		20,400
Goodwill	751,174		452,007
Total goodwill and other intangible assets, net	$	782,544	$	472,407

(1) As intangible assets become fully amortized, they are excluded from balances presented.

Schedule of changes in the carrying amounts of goodwill

The following is a summary of changes in the carrying amounts of goodwill (in thousands):


	Three Months Ended June 30,				Six Months Ended June 30,
	2022		2021		2022		2021

Balance, beginning of period (1)	$	751,174	$	367,809	$	452,007	$	367,809
Acquisitions	—		—		299,167		—

Balance, end of period (1)	$	751,174	$	367,809	$	751,174	$	367,809

(1) Goodwill balances are shown net of accumulated impairment losses of $306 million incurred prior to 2021.

Schedule of estimated aggregate amortization expense for future periods

The estimated aggregate amortization expense for future periods for finite lived intangibles is as follows (in thousands):



Remainder of 2022	$	3,297
2023	5,903
2024	5,018
2025	4,051
2026	3,303
Thereafter	9,798
Total	$	31,370

- Definition

Tabular disclosure of goodwill by reportable segment and in total which includes a rollforward schedule.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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+ Details

Long-term Debt (Tables)

6 Months Ended

Jun. 30, 2022

Debt Disclosure [Abstract]

Schedule of long-term debt

Long-term debt consisted of the following (in thousands):


	June 30, 2022		December 31, 2021		Issue Date	Stated Maturity Date	Earliest Call Date	Interest Rate






2027 senior debentures	35,000		35,000		2015	2027	2025	5.500% through August 2025, 3-month LIBOR plus 3.71% thereafter
2030 senior debentures	100,000		100,000		2020	2030	2025	5.00% through June 2025, 3-month SOFR plus 4.87% thereafter
Total senior debentures	135,000		135,000

2028 subordinated debentures	100,000		100,000		2018	2028	2023	4.500% through January 2023, 3-month LIBOR plus 2.12% thereafter
2029 subordinated debentures	60,000		—		2019	2029	2024	5.125% until December 2024, 3-month SOFR plus 3.765% thereafter
Total subordinated debentures	160,000		100,000


Tidelands Statutory Trust I	8,248		8,248		2006	2036	*	3-month LIBOR plus 1.38%
Four Oaks Statutory Trust I	12,372		12,372		2006	2036	*	3-month LIBOR plus 1.35%
Community First Capital Trust I	3,093		—		2002	2032	*	Prime plus 0.50%
Community First Capital Trust II	5,155		—		2005	2035	*	3-month LIBOR plus 1.50%
Community First Capital Trust III	5,464		—		2007	2037	*	3-month LIBOR plus 3.00%
Total trust preferred securities	34,332		20,620
Less net discount	(4,961)		(8,260)
Total long-term debt	$	324,371	$	247,360

* Indicates currently redeemable.

- Definition

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.22)
-URI https://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 3
-Subparagraph (SX 210.12-04(a))
-URI https://asc.fasb.org/extlink&oid=120395691&loc=d3e24072-122690

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 1A
-URI https://asc.fasb.org/extlink&oid=124435984&loc=d3e28541-108399

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 6
-URI https://asc.fasb.org/extlink&oid=126973232&loc=d3e21506-112644

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 55
-Paragraph 69B
-URI https://asc.fasb.org/extlink&oid=123466577&loc=SL123495735-112612

Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 2
-URI https://asc.fasb.org/extlink&oid=124435984&loc=d3e28551-108399

Reference 7: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 55
-Paragraph 69E
-URI https://asc.fasb.org/extlink&oid=123466577&loc=SL123495743-112612

Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 7
-URI https://asc.fasb.org/extlink&oid=126973232&loc=d3e21521-112644

Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 8
-URI https://asc.fasb.org/extlink&oid=126973232&loc=d3e21538-112644

Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 470
-Section 50
-Paragraph 3
-URI https://asc.fasb.org/extlink&oid=123599511&loc=d3e64711-112823

Reference 11: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 55
-Paragraph 8
-URI https://asc.fasb.org/extlink&oid=114775985&loc=d3e28878-108400

Reference 12: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 3
-URI https://asc.fasb.org/extlink&oid=126973232&loc=d3e21475-112644

+ Details

Assets and Liabilities Measured at Fair Value (Tables)

6 Months Ended

Jun. 30, 2022

Fair Value Disclosures [Abstract]

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


June 30, 2022	Level 1		Level 2		Level 3		Total
Assets:
AFS debt securities:
U.S. Treasuries	$	182,703	$	—	$	—	$	182,703
U.S. Government agencies & GSEs	—		257,182		—		257,182
State and political subdivisions	—		321,883		—		321,883
Residential MBS	—		1,870,571		—		1,870,571
Commercial MBS	—		733,052		—		733,052
Corporate bonds	—		217,669		2,287		219,956
Asset-backed securities	—		374,938		—		374,938
Equity securities with readily available fair values	10,350		1,253		—		11,603
Mortgage loans held for sale	—		22,298		—		22,298
Deferred compensation plan assets	11,122		—		—		11,122
Servicing rights for SBA/USDA loans	—		—		6,167		6,167
Residential mortgage servicing rights	—		—		35,131		35,131
Derivative financial instruments	—		27,152		10,199		37,351
Total assets	$	204,175	$	3,825,998	$	53,784	$	4,083,957

Liabilities:
Deferred compensation plan liability	$	11,146	$	—	$	—	$	11,146
Derivative financial instruments	—		57,770		10,795		68,565

Total liabilities	$	11,146	$	57,770	$	10,795	$	79,711


December 31, 2021	Level 1		Level 2		Level 3		Total
Assets:
AFS debt securities:
U.S. Treasuries	$	217,520	$	—	$	—	$	217,520
U.S. Government agencies & GSEs	—		187,032		—		187,032
State and political subdivisions	—		275,844		—		275,844
Residential MBS	—		2,145,134		—		2,145,134
Commercial MBS	—		873,851		—		873,851
Corporate bonds	—		190,771		2,395		193,166
Asset-backed securities	—		604,277		—		604,277
Equity securities with readily available fair values	—		1,302		—		1,302
Mortgage loans held for sale	—		44,109		—		44,109
Deferred compensation plan assets	11,769		—		—		11,769
Servicing rights for SBA/USDA loans	—		—		6,513		6,513
Residential mortgage servicing rights	—		—		25,161		25,161
Derivative financial instruments	—		35,722		6,758		42,480
Total assets	$	229,289	$	4,358,042	$	40,827	$	4,628,158

Liabilities:
Deferred compensation plan liability	$	11,795	$	—	$	—	$	11,795
Derivative financial instruments	—		20,097		5,048		25,145
Total liabilities	$	11,795	$	20,097	$	5,048	$	36,940

Schedule of reconciliation of assets measured at fair value on a recurring basis using significant unobservable inputs


	2022										2021
	Derivative Assets		Derivative Liabilities		SBA/USDA loan servicing rights		Residential mortgage servicing rights		Corporate Bonds		Derivative Assets		Derivative Liabilities		SBA/USDA loan servicing rights		Residential mortgage servicing rights		Corporate Bonds
Three Months Ended June 30,
Beginning balance	$	7,902	$	8,531	$	6,962	$	32,641	$	2,332	$	8,308	$	4,606	$	6,226	$	20,728	$	1,750

Additions	—		99		800		1,723		—		—		97		610		3,792		—

Sales and settlements	—		(1)		(408)		(638)		—		—		—		(453)		(1,426)		—
Fair value adjustments included in OCI	—		—		—		—		(45)		—		—		—		—		(43)
Fair value adjustments included in earnings	2,297		2,166		(1,187)		1,405		—		(1,419)		(759)		(268)		(1,526)		—
Ending balance	$	10,199	$	10,795	$	6,167	$	35,131	$	2,287	$	6,889	$	3,944	$	6,115	$	21,568	$	1,707

Six Months Ended June 30,
Beginning balance	$	6,758	$	5,048	$	6,513	$	25,161	$	2,395	$	10,779	$	2,408	$	6,462	$	16,216	$	1,750

Additions	—		99		1,388		3,890		—		175		97		839		6,993		—
Transfers from Level 3	(290)		—		—		—		—		—		—		—		—		—
Sales and settlements	—		(1)		(637)		(1,314)		—		—		—		(644)		(2,555)		—
Fair value adjustments included in OCI	—		—		—		—		(108)		—		—		—		—		(43)
Fair value adjustments included in earnings	3,731		5,649		(1,097)		7,394		—		(4,065)		1,439		(542)		914		—
Ending balance	$	10,199	$	10,795	$	6,167	$	35,131	$	2,287	$	6,889	$	3,944	$	6,115	$	21,568	$	1,707

Schedule of reconciliation of liabilities measured at fair value on a recurring basis using significant unobservable inputs


	2022										2021
	Derivative Assets		Derivative Liabilities		SBA/USDA loan servicing rights		Residential mortgage servicing rights		Corporate Bonds		Derivative Assets		Derivative Liabilities		SBA/USDA loan servicing rights		Residential mortgage servicing rights		Corporate Bonds
Three Months Ended June 30,
Beginning balance	$	7,902	$	8,531	$	6,962	$	32,641	$	2,332	$	8,308	$	4,606	$	6,226	$	20,728	$	1,750

Additions	—		99		800		1,723		—		—		97		610		3,792		—

Sales and settlements	—		(1)		(408)		(638)		—		—		—		(453)		(1,426)		—
Fair value adjustments included in OCI	—		—		—		—		(45)		—		—		—		—		(43)
Fair value adjustments included in earnings	2,297		2,166		(1,187)		1,405		—		(1,419)		(759)		(268)		(1,526)		—
Ending balance	$	10,199	$	10,795	$	6,167	$	35,131	$	2,287	$	6,889	$	3,944	$	6,115	$	21,568	$	1,707

Six Months Ended June 30,
Beginning balance	$	6,758	$	5,048	$	6,513	$	25,161	$	2,395	$	10,779	$	2,408	$	6,462	$	16,216	$	1,750

Additions	—		99		1,388		3,890		—		175		97		839		6,993		—
Transfers from Level 3	(290)		—		—		—		—		—		—		—		—		—
Sales and settlements	—		(1)		(637)		(1,314)		—		—		—		(644)		(2,555)		—
Fair value adjustments included in OCI	—		—		—		—		(108)		—		—		—		—		(43)
Fair value adjustments included in earnings	3,731		5,649		(1,097)		7,394		—		(4,065)		1,439		(542)		914		—
Ending balance	$	10,199	$	10,795	$	6,167	$	35,131	$	2,287	$	6,889	$	3,944	$	6,115	$	21,568	$	1,707

Schedule of quantitative information about Level 3 fair value measurements for fair value on a recurring basis

The following table presents quantitative information about significant Level 3 inputs for fair value on a recurring basis as of the dates indicated.


Level 3 Assets and Liabilities	Valuation Technique	Significant Unobservable Inputs	June 30, 2022			December 31, 2021
			Range	Weighted Average		Range	Weighted Average
SBA/USDA loan servicing rights	Discounted cash flow	Discount rate	3.3% - 50.6%	13.7	%	0.0% - 45.4%	10.3	%
		Prepayment rate	0.0 - 34.2	16.5		3.2 - 31.3	16.3
Residential mortgage servicing rights	Discounted cash flow	Discount rate	9.5 - 10.5	9.5		9.5 - 10.5	9.5
		Prepayment rate	7.0 - 40.2	7.7		7.0 - 77.6	12.6

Corporate bonds	Discounted cash flow	Discount rate	5.1 - 5.3	5.1		3.6 - 3.8	3.6
Derivative assets - customer derivative positions	Internal model	Estimated loss rate	N/A	N/A		33.4 - 44.0	36.0

Derivative assets - mortgage	Internal model	Pull through rate	55.4 - 100	88.8		45.9 - 100	87.2
Derivative assets and liabilities - other	Dealer priced	Dealer priced	N/A	N/A		N/A	N/A

Schedule of loans held for sale at fair value under the fair value option

The following tables present the fair value and outstanding principal balance of loans accounted for under the fair value option, as well as the gain or loss recognized from the change in fair value for the periods indicated (in thousands).


Mortgage Loans Held for Sale
	June 30, 2022		December 31, 2021
Outstanding principal balance	$	21,781	$	42,581
Fair value	22,298		44,109


Gain (Loss) from Change in Fair Value on Mortgage Loans Held for Sale
Location	Three Months Ended June 30,				Six Months Ended June 30,
	2022		2021		2022		2021
Mortgage loan gains and other related fees	$	163	$	521	$	(1,011)	$	(1,721)

Schedule of presentation of assets measured at fair value on nonrecurring basis

The following table presents the fair value hierarchy and carrying value of assets that were still held as of June 30, 2022 and December 31, 2021, for which a nonrecurring fair value adjustment was recorded during the year-to-date periods presented (in thousands).


	Level 1		Level 2		Level 3		Total
June 30, 2022
Loans held for investment	$	—	$	—	$	1,240	$	1,240
Mortgage loans held for sale	—		—		18,380		18,380

December 31, 2021
Loans held for investment	$	—	$	—	$	2,536	$	2,536

Schedule of carrying amount and fair values for other financial instruments that are not measured at fair value on a recurring basis

The carrying amount and fair values as of the dates indicated for other financial instruments that are not measured at fair value on a recurring basis are as follows (in thousands).


			Fair Value Level
	Carrying Amount		Level 1		Level 2		Level 3		Total
June 30, 2022
Assets:
HTM debt securities	$	2,722,475	$	—	$	2,431,138	$	—	$	2,431,138
Loans and leases, net	14,404,305		—		—		14,063,685		14,063,685


Liabilities:
Deposits	20,873,083		—		20,869,002		—		20,869,002

Long-term debt	324,371		—		—		322,102		322,102

December 31, 2021
Assets:
HTM debt securities	$	1,156,098	$	—	$	1,148,804	$	—	$	1,148,804
Loans and leases, net	11,657,814		—		—		11,607,821		11,607,821

Liabilities:
Deposits	18,241,179		—		18,239,934		—		18,239,934

Long-term debt	247,360		—		—		267,064		267,064

Stock-Based Compensation (Tables)

6 Months Ended

Jun. 30, 2022

Share-Based Payment Arrangement [Abstract]

Schedule of restricted stock units and options outstanding and activity

The table below presents restricted stock unit and option activity for the six months ended June 30, 2022.


	Restricted Stock Unit Awards			Options
	Shares	Weighted- Average Grant- Date Fair Value		Aggregate Intrinsic Value ($000)		Shares	Weighted- Average Exercise Price		Weighted- Average Remaining Contractual Term (Years)	Aggregate Intrinsic Value ($000)
Outstanding at December 31, 2021	808,474	$	25.15			35,460	$	8.38
Granted	154,698	32.38				48,239	20.88
Released / Exercised	(108,441)	25.13		$	3,976	(15,765)	20.72			$	247

Cancelled	(23,912)	26.31				—	—
Outstanding at June 30, 2022	830,819	26.47		25,082		67,934	14.39		3.2	1,074

Vested / Exercisable at June 30, 2022	16,354	36.69				67,934	14.39		3.2	1,074

Reclassifications Out of AOCI (Tables)

6 Months Ended

Jun. 30, 2022

Equity [Abstract]

Schedule of reclassifications out of AOCI

The following table presents the details regarding amounts reclassified out of AOCI for the periods indicated (in thousands). Amounts shown in parentheses reduce earnings.



Details about AOCI Components	Three Months Ended June 30,				Six Months Ended June 30,				Affected Line Item in the Statement Where Net Income is Presented
	2022		2021		2022		2021
Realized gains (losses) on AFS securities:
	$	46	$	41	$	(3,688)	$	41	Securities gains (losses), net
	(11)		(14)		979		(14)		Income tax (expense) benefit
	$	35	$	27	$	(2,709)	$	27	Net of tax

Amortization of unrealized losses on HTM securities transferred from AFS:
	$	(1,769)	$	—	$	(1,769)	$	—	Investment securities interest revenue
	422		—		422		—		Income tax benefit
	$	(1,347)	$	—	$	(1,347)	$	—	Net of tax

Losses on derivative instruments accounted for as cash flow hedges:
Interest rate contracts	$	(106)	$	(147)	$	(247)	$	(291)	Long-term debt interest expense

	27		37		63		74		Income tax benefit
	$	(79)	$	(110)	$	(184)	$	(217)	Net of tax




Amortization of defined benefit pension plan net periodic pension cost components:
Prior service cost	$	(93)	$	(117)	$	(185)	$	(234)	Salaries and employee benefits expense
Actuarial losses	(78)		(144)		(156)		(288)		Other expense

	(171)		(261)		(341)		(522)		Total before tax
	44		67		87		134		Income tax benefit
	$	(127)	$	(194)	$	(254)	$	(388)	Net of tax

Total reclassifications for the period	$	(1,518)	$	(277)	$	(4,494)	$	(578)	Net of tax

Earnings Per Share (Tables)

6 Months Ended

Jun. 30, 2022

Earnings Per Share [Abstract]

Schedule of computation of basic and diluted earnings per share

The following table sets forth the computation of basic and diluted earnings per share for the periods indicated (in thousands, except per share data).


	Three Months Ended June 30,				Six Months Ended June 30,
	2022		2021		2022		2021
Net income	$	66,842	$	70,260	$	114,861	$	143,966
Dividends on preferred stock	(1,719)		(1,719)		(3,438)		(3,438)
Earnings allocated to participating securities	(362)		(432)		(596)		(894)
Net income available to common shareholders	$	64,761	$	68,109	$	110,827	$	139,634

Weighted average shares outstanding:
Basic	106,610		87,289		106,580		87,306
Effect of dilutive securities:
Stock options	36		—		41		—
Restricted stock units	70		132		76		137
Diluted	106,716		87,421		106,697		87,443

Net income per common share:
Basic	$	0.61	$	0.78	$	1.04	$	1.60
Diluted	$	0.61	$	0.78	$	1.04	$	1.60

Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 2022

Regulatory Capital Requirements Under Banking Regulations [Abstract]

Schedule of minimum amounts required for capital adequacy purposes


					United Community Banks, Inc. (Consolidated)						United Community Bank
	Minimum (1)		Well- Capitalized		June 30, 2022			December 31, 2021			June 30, 2022			December 31, 2021
Risk-based ratios:
CET1 capital	4.5	%	6.5	%	12.00		%	12.46		%	12.89		%	12.87		%
Tier 1 capital	6.0		8.0		12.57			13.17			12.89			12.87
Total capital	8.0		10.0		14.45			14.65			13.62			13.46
Leverage ratio	4.0		5.0		9.03			8.75			9.25			8.53

CET1 capital					$	2,039,434		$	1,688,176		$	2,181,665		$	1,738,557
Tier 1 capital					2,135,857			1,784,598			2,181,665			1,738,557
Total capital					2,455,296			1,984,376			2,304,895			1,818,335
Risk-weighted assets					16,994,080			13,548,534			16,921,874			13,512,405
Average total assets for the leverage ratio					23,639,913			20,402,842			23,593,745			20,377,319

(1) As of June 30, 2022 and December 31, 2021 the additional capital conservation buffer in effect was 2.50%

Commitments and Contingencies (Tables)

6 Months Ended

Jun. 30, 2022

Commitments and Contingencies Disclosure [Abstract]

Schedule of contractual amount of off-balance sheet instruments

The following table summarizes the contractual amount of off-balance sheet instruments as of the dates indicated (in thousands).


	June 30, 2022		December 31, 2021
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit	$	4,481,880	$	3,591,975
Letters of credit	50,306		29,312

Supplemental Cash Flow Information (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2022	Jun. 30, 2021
Significant non-cash investing and financing transactions:
Unsettled government guaranteed loan sales		$ 0	$ 6,435
Transfers of loans to repossessed and foreclosed properties		1,308	1,333
Transfers of AFS securities to HTM securities	$ 184,000	1,288,982	0
Right-of-use assets obtained in exchange for lease liabilities		6,092	847
Acquisitions:
Assets acquired		3,254,173	0
Liabilities assumed		2,657,173	0
Net assets acquired		597,000	0
Common stock issued and options converted		$ 596,376	$ 0

Acquisitions - Narrative (Details)		3 Months Ended		6 Months Ended
Acquisitions - Narrative (Details)	Jan. 01, 2022 USD ($) bank_branch	Jun. 30, 2022 USD ($) branch	Jun. 30, 2021 USD ($)	Jun. 30, 2022 USD ($) branch	Jun. 30, 2021 USD ($)
Business Acquisition [Line Items]
Merger-related and other charges		$ 7,143,000	$ 1,078,000	$ 16,159,000	$ 2,621,000
Progress
Business Acquisition [Line Items]
Number of banking branches \| branch		14		14
Reliant
Business Acquisition [Line Items]
Number of banking branches \| bank_branch	25
Goodwill expected to be tax deductible	$ 0
Reliant \| Core deposit intangible
Business Acquisition [Line Items]
Expected useful life of acquired intangible (in years)	10 years
Reliant \| Merger-related costs
Business Acquisition [Line Items]
Merger-related and other charges		$ 5,460,000		$ 14,000,000

Acquisitions - Acquisition date fair value of purchased assets and assumed liabilities (Details) - USD ($) $ in Thousands	Jan. 01, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Liabilities
Goodwill		$ 751,174	$ 751,174	$ 452,007	$ 367,809	$ 367,809	$ 367,809
Reliant
Assets
Cash and cash equivalents	$ 62,867
Debt securities	249,107
Loans held for sale	116,406
Loans held for investment	2,320,737
Premises and equipment	35,631
Bank-owned life insurance	78,170
Accrued interest receivable	12,027
Net deferred tax asset	5,793
Core deposit intangible	14,500
Other assets	59,768
Total assets acquired	2,955,006
Liabilities
Deposits	2,504,823
Short-term borrowings	27,000
Long-term debt	76,730
Other liabilities	48,620
Total liabilities assumed	2,657,173
Total identifiable net assets	297,833
Cash	624
Common stock issued in acquisition	595,581
Options converted	795
Total fair value of consideration transferred	597,000
Goodwill	$ 299,167
Common stock issued (in shares)	16,571,545

Acquisitions - Acquired loan portfolio at acquisition (Details) - USD ($) $ in Thousands		6 Months Ended
	Jan. 01, 2022	Jun. 30, 2022
PCD loans:
ACL at acquisition		$ (12,737)
Reliant
Non-PCD loans:
Fair value	$ 2,078,306
Gross contractual amounts receivable	2,355,205
Estimate of contractual cash flows not expected to be collected	25,990
Reliant \| Purchased loans
PCD loans:
Par value	258,462
ACL at acquisition	(12,737)
Non-credit discount	(3,294)
Purchase price	$ 242,431

Acquisitions - Pro forma information (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Business Acquisition [Line Items]
Supplemental consolidated pro forma revenue	$ 206,227	$ 225,717	$ 402,465	$ 435,858
Supplemental consolidated pro forma net income (loss)	70,569	$ 79,607	137,329	$ 146,618
Reliant
Business Acquisition [Line Items]
Actual revenue included since acquisition date	29,172		43,086
Actual net income (loss) included since acquisition date	$ 15,550		$ 16,148

Acquisitions - Announced Acquisition of Progress (Details) $ in Thousands	Jun. 30, 2022 USD ($) branch	Dec. 31, 2021 USD ($)
Business Acquisition [Line Items]
Assets	$ 24,213,008	$ 20,946,771
Deposits	$ 20,873,083	$ 18,241,179
Progress
Business Acquisition [Line Items]
Number of banking branches \| branch	14
Assets	$ 1,840,000
Total loans	1,340,000
Deposits	1,650,000
Assets under management	$ 1,120,000

- Definition

Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.

+ References

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- Definition

Amortized cost, before allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease.

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+ Details

Investment Securities - Narrative (Details)	3 Months Ended	6 Months Ended
Investment Securities - Narrative (Details)	Jun. 30, 2022 USD ($) security	Jun. 30, 2022 USD ($) security	Jun. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)
Investments, Debt and Equity Securities [Abstract]
Transfers of AFS debt securities to HTM	$ 184,000,000	$ 1,288,982,000	$ 0
Unrealized losses associated with AFS debt securities transferred to HTM	$ 30,000,000	$ 87,400,000
Number of AFS debt securities in unrealized loss position \| security	711	711
Number of HTM debt securities in unrealized loss position \| security	296	296
Allowance for credit losses, HTM portfolio	$ 0	$ 0		$ 0
Allowance for credit losses, AFS portfolio	0	0		0
Pledged securities \| Deposits
Debt Securities, Available For Sale And Held To Maturity [Line Items]
Securities	$ 1,620,000,000	$ 1,620,000,000		$ 1,460,000,000

Investment Securities - Amortized cost, gross unrealized gains and losses, and fair value of HTM debt securities (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
HTM debt securities:
Amortized Cost	$ 2,722,475	$ 1,156,098
Gross Unrealized Gains	475	10,509
Gross Unrealized Losses	291,812	17,803
Fair Value	2,431,138	1,148,804
U.S. Treasuries
HTM debt securities:
Amortized Cost	19,818	19,803
Gross Unrealized Gains	0	20
Gross Unrealized Losses	1,861	0
Fair Value	17,957	19,823
U.S. Government agencies & GSEs
HTM debt securities:
Amortized Cost	99,663	70,180
Gross Unrealized Gains	0	0
Gross Unrealized Losses	11,797	1,121
Fair Value	87,866	69,059
State and political subdivisions
HTM debt securities:
Amortized Cost	302,413	257,688
Gross Unrealized Gains	307	4,341
Gross Unrealized Losses	55,423	4,080
Fair Value	247,297	257,949
Residential MBS, Agency & GSEs
HTM debt securities:
Amortized Cost	1,557,372	381,641
Gross Unrealized Gains	168	2,021
Gross Unrealized Losses	138,174	3,687
Fair Value	1,419,366	379,975
Commercial MBS, Agency & GSEs
HTM debt securities:
Amortized Cost	728,209	411,786
Gross Unrealized Gains	0	4,106
Gross Unrealized Losses	82,876	8,915
Fair Value	645,333	406,977
Supranational entities
HTM debt securities:
Amortized Cost	15,000	15,000
Gross Unrealized Gains	0	21
Gross Unrealized Losses	1,681	0
Fair Value	$ 13,319	$ 15,021

Investment Securities - Amortized cost, gross unrealized gains and losses, and fair value of AFS debt securities (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
AFS debt securities:
Amortized Cost	$ 4,213,711	$ 4,516,529
Gross Unrealized Gains	2,257	36,593
Gross Unrealized Losses	255,683	56,298
Fair Value	3,960,285	4,496,824
U.S. Treasuries
AFS debt securities:
Amortized Cost	194,627	218,027
Gross Unrealized Gains	0	1,661
Gross Unrealized Losses	11,924	2,168
Fair Value	182,703	217,520
U.S. Government agencies & GSEs
AFS debt securities:
Amortized Cost	269,370	189,855
Gross Unrealized Gains	787	605
Gross Unrealized Losses	12,975	3,428
Fair Value	257,182	187,032
State and political subdivisions
AFS debt securities:
Amortized Cost	345,091	263,269
Gross Unrealized Gains	350	15,237
Gross Unrealized Losses	23,558	2,662
Fair Value	321,883	275,844
Residential MBS, Agency & GSEs
AFS debt securities:
Amortized Cost	1,605,953	2,079,700
Gross Unrealized Gains	268	9,785
Gross Unrealized Losses	105,143	28,521
Fair Value	1,501,078	2,060,964
Residential MBS, Non-agency
AFS debt securities:
Amortized Cost	386,213	81,925
Gross Unrealized Gains	0	2,249
Gross Unrealized Losses	16,720	4
Fair Value	369,493	84,170
Commercial MBS, Agency & GSEs
AFS debt securities:
Amortized Cost	757,154	870,563
Gross Unrealized Gains	687	2,974
Gross Unrealized Losses	55,757	16,156
Fair Value	702,084	857,381
Commercial MBS, Non-agency
AFS debt securities:
Amortized Cost	31,686	15,202
Gross Unrealized Gains	0	1,268
Gross Unrealized Losses	718	0
Fair Value	30,968	16,470
Corporate bonds
AFS debt securities:
Amortized Cost	239,710	194,164
Gross Unrealized Gains	102	814
Gross Unrealized Losses	19,856	1,812
Fair Value	219,956	193,166
Asset-backed securities
AFS debt securities:
Amortized Cost	383,907	603,824
Gross Unrealized Gains	63	2,000
Gross Unrealized Losses	9,032	1,547
Fair Value	$ 374,938	$ 604,277

Investment Securities - HTM debt securities in unrealized loss position (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	$ 1,899,034	$ 798,967
Unrealized Loss, Less than 12 Months	234,018	16,705
Fair Value, 12 Months or More	477,924	23,791
Unrealized Loss, 12 Months or More	57,794	1,098
Fair Value, Total	2,376,958	822,758
Unrealized Loss, Total	291,812	17,803
U.S. Treasuries
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	17,957
Unrealized Loss, Less than 12 Months	1,861
Fair Value, 12 Months or More	0
Unrealized Loss, 12 Months or More	0
Fair Value, Total	17,957
Unrealized Loss, Total	1,861
U.S. Government agencies & GSEs
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	62,571	64,658
Unrealized Loss, Less than 12 Months	9,562	888
Fair Value, 12 Months or More	25,295	4,401
Unrealized Loss, 12 Months or More	2,235	233
Fair Value, Total	87,866	69,059
Unrealized Loss, Total	11,797	1,121
State and political subdivisions
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	199,642	131,128
Unrealized Loss, Less than 12 Months	46,684	3,590
Fair Value, 12 Months or More	26,632	9,006
Unrealized Loss, 12 Months or More	8,739	490
Fair Value, Total	226,274	140,134
Unrealized Loss, Total	55,423	4,080
Residential MBS, Agency & GSEs
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	1,085,121	289,132
Unrealized Loss, Less than 12 Months	108,939	3,687
Fair Value, 12 Months or More	301,089	0
Unrealized Loss, 12 Months or More	29,235	0
Fair Value, Total	1,386,210	289,132
Unrealized Loss, Total	138,174	3,687
Commercial MBS, Agency & GSEs
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	520,424	314,049
Unrealized Loss, Less than 12 Months	65,291	8,540
Fair Value, 12 Months or More	124,908	10,384
Unrealized Loss, 12 Months or More	17,585	375
Fair Value, Total	645,332	324,433
Unrealized Loss, Total	82,876	$ 8,915
Supranational entities
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	13,319
Unrealized Loss, Less than 12 Months	1,681
Fair Value, 12 Months or More	0
Unrealized Loss, 12 Months or More	0
Fair Value, Total	13,319
Unrealized Loss, Total	$ 1,681

Investment Securities - AFS debt securities in unrealized loss position (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	$ 3,091,456	$ 2,787,798
Unrealized Loss, Less than 12 Months	181,291	49,598
Fair Value, 12 Months or More	541,670	164,323
Unrealized Loss, 12 Months or More	74,392	6,700
Fair Value, Total	3,633,126	2,952,121
Unrealized Loss, Total	255,683	56,298
U.S. Treasuries
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	182,703	111,606
Unrealized Loss, Less than 12 Months	11,924	2,168
Fair Value, 12 Months or More	0	0
Unrealized Loss, 12 Months or More	0	0
Fair Value, Total	182,703	111,606
Unrealized Loss, Total	11,924	2,168
U.S. Government agencies & GSEs
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	109,886	132,893
Unrealized Loss, Less than 12 Months	4,662	2,591
Fair Value, 12 Months or More	42,110	20,093
Unrealized Loss, 12 Months or More	8,313	837
Fair Value, Total	151,996	152,986
Unrealized Loss, Total	12,975	3,428
State and political subdivisions
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	235,196	69,302
Unrealized Loss, Less than 12 Months	16,615	2,581
Fair Value, 12 Months or More	29,395	3,148
Unrealized Loss, 12 Months or More	6,943	81
Fair Value, Total	264,591	72,450
Unrealized Loss, Total	23,558	2,662
Residential MBS, Agency & GSEs
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	1,298,911	1,534,744
Unrealized Loss, Less than 12 Months	86,523	25,799
Fair Value, 12 Months or More	157,555	74,481
Unrealized Loss, 12 Months or More	18,620	2,722
Fair Value, Total	1,456,466	1,609,225
Unrealized Loss, Total	105,143	28,521
Residential MBS, Non-agency
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	369,493	12,608
Unrealized Loss, Less than 12 Months	16,720	4
Fair Value, 12 Months or More	0	0
Unrealized Loss, 12 Months or More	0	0
Fair Value, Total	369,493	12,608
Unrealized Loss, Total	16,720	4
Commercial MBS, Agency & GSEs
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	411,837	582,235
Unrealized Loss, Less than 12 Months	18,296	13,098
Fair Value, 12 Months or More	247,294	66,014
Unrealized Loss, 12 Months or More	37,461	3,058
Fair Value, Total	659,131	648,249
Unrealized Loss, Total	55,757	16,156
Commercial MBS, Non-agency
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	30,968
Unrealized Loss, Less than 12 Months	718
Fair Value, 12 Months or More	0
Unrealized Loss, 12 Months or More	0
Fair Value, Total	30,968
Unrealized Loss, Total	718
Corporate bonds
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	208,419	149,246
Unrealized Loss, Less than 12 Months	19,052	1,811
Fair Value, 12 Months or More	7,395	16
Unrealized Loss, 12 Months or More	804	1
Fair Value, Total	215,814	149,262
Unrealized Loss, Total	19,856	1,812
Asset-backed securities
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	244,043	195,164
Unrealized Loss, Less than 12 Months	6,781	1,546
Fair Value, 12 Months or More	57,921	571
Unrealized Loss, 12 Months or More	2,251	1
Fair Value, Total	301,964	195,735
Unrealized Loss, Total	$ 9,032	$ 1,547

Investment Securities - Accrued interest receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
HTM
Accrued interest receivable
Accrued interest receivable	$ 6,360	$ 3,596
AFS
Accrued interest receivable
Accrued interest receivable	$ 12,243	$ 9,868

Investment Securities - Amortized cost and fair value of AFS and HTM debt securities by contractual maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	$ 48,942
AFS, Amortized Cost, 1 to 5 years	349,339
AFS, Amortized Cost, 5 to 10 years	327,330
AFS, Amortized Cost, More than 10 years	323,187
Amortized Cost	4,213,711	$ 4,516,529
AFS, Fair Value
AFS, Fair Value, Within 1 year	48,891
AFS, Fair Value, 1 to 5 years	327,454
AFS, Fair Value, 5 to 10 years	297,722
AFS, Fair Value, More than 10 years	307,657
Fair Value	3,960,285	4,496,824
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	5,200
HTM, Amortized Cost, 1 to 5 years	14,439
HTM, Amortized Cost, 5 to 10 years	115,429
HTM, Amortized Cost, More than 10 years	301,826
Amortized Cost	2,722,475	1,156,098
HTM, Fair Value
HTM, Fair Value, Within 1 year	5,225
HTM, Fair Value, 1 to 5 years	14,716
HTM, Fair Value, 5 to 10 years	103,384
HTM, Fair Value, More than 10 years	243,114
Fair value	2,431,138	1,148,804
U.S. Treasuries
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	30,993
AFS, Amortized Cost, 1 to 5 years	124,439
AFS, Amortized Cost, 5 to 10 years	39,195
Amortized Cost	194,627	218,027
AFS, Fair Value
AFS, Fair Value, Within 1 year	30,965
AFS, Fair Value, 1 to 5 years	116,676
AFS, Fair Value, 5 to 10 years	35,062
Fair Value	182,703	217,520
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	0
HTM, Amortized Cost, 1 to 5 years	0
HTM, Amortized Cost, 5 to 10 years	19,818
Amortized Cost	19,818	19,803
HTM, Fair Value
HTM, Fair Value, Within 1 year	0
HTM, Fair Value, 1 to 5 years	0
HTM, Fair Value, 5 to 10 years	17,957
Fair value	17,957	19,823
U.S. Government agencies & GSEs
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	401
AFS, Amortized Cost, 1 to 5 years	38,263
AFS, Amortized Cost, 5 to 10 years	72,055
AFS, Amortized Cost, More than 10 years	158,651
Amortized Cost	269,370	189,855
AFS, Fair Value
AFS, Fair Value, Within 1 year	396
AFS, Fair Value, 1 to 5 years	35,515
AFS, Fair Value, 5 to 10 years	65,161
AFS, Fair Value, More than 10 years	156,110
Fair Value	257,182	187,032
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	0
HTM, Amortized Cost, 1 to 5 years	0
HTM, Amortized Cost, 5 to 10 years	48,952
HTM, Amortized Cost, More than 10 years	50,711
Amortized Cost	99,663	70,180
HTM, Fair Value
HTM, Fair Value, Within 1 year	0
HTM, Fair Value, 1 to 5 years	0
HTM, Fair Value, 5 to 10 years	44,222
HTM, Fair Value, More than 10 years	43,644
Fair value	87,866	69,059
State and political subdivisions
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	15,003
AFS, Amortized Cost, 1 to 5 years	34,554
AFS, Amortized Cost, 5 to 10 years	131,788
AFS, Amortized Cost, More than 10 years	163,746
Amortized Cost	345,091	263,269
AFS, Fair Value
AFS, Fair Value, Within 1 year	15,010
AFS, Fair Value, 1 to 5 years	33,916
AFS, Fair Value, 5 to 10 years	122,242
AFS, Fair Value, More than 10 years	150,715
Fair Value	321,883	275,844
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	5,200
HTM, Amortized Cost, 1 to 5 years	14,439
HTM, Amortized Cost, 5 to 10 years	31,659
HTM, Amortized Cost, More than 10 years	251,115
Amortized Cost	302,413	257,688
HTM, Fair Value
HTM, Fair Value, Within 1 year	5,225
HTM, Fair Value, 1 to 5 years	14,716
HTM, Fair Value, 5 to 10 years	27,886
HTM, Fair Value, More than 10 years	199,470
Fair value	247,297	257,949
Corporate bonds
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	2,545
AFS, Amortized Cost, 1 to 5 years	152,083
AFS, Amortized Cost, 5 to 10 years	84,292
AFS, Amortized Cost, More than 10 years	790
Amortized Cost	239,710	194,164
AFS, Fair Value
AFS, Fair Value, Within 1 year	2,520
AFS, Fair Value, 1 to 5 years	141,347
AFS, Fair Value, 5 to 10 years	75,257
AFS, Fair Value, More than 10 years	832
Fair Value	219,956	193,166
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	0
HTM, Amortized Cost, 1 to 5 years	0
HTM, Amortized Cost, 5 to 10 years	0
HTM, Amortized Cost, More than 10 years	0
HTM, Fair Value
HTM, Fair Value, Within 1 year	0
HTM, Fair Value, 1 to 5 years	0
HTM, Fair Value, 5 to 10 years	0
HTM, Fair Value, More than 10 years	0
Supranational entities
AFS, Amortized Cost
AFS, Amortized Cost, 5 to 10 years	0
AFS, Fair Value
AFS, Fair Value, 5 to 10 years	0
HTM, Amortized Cost
HTM, Amortized Cost, 5 to 10 years	15,000
Amortized Cost	15,000	15,000
HTM, Fair Value
HTM, Fair Value, 5 to 10 years	13,319
Fair value	13,319	15,021
Asset-backed securities
AFS, Amortized Cost
AFS, Amortized Cost, Not due at single maturity	383,907
Amortized Cost	383,907	603,824
AFS, Fair Value
AFS, Fair Value, Not due at single maturity	374,938
Fair Value	374,938	$ 604,277
HTM, Amortized Cost
HTM, Amortized Cost, Not due at single maturity	0
HTM, Fair Value
HTM, Fair Value, Not due at single maturity	0
Residential MBS
AFS, Amortized Cost
AFS, Amortized Cost, Not due at single maturity	1,992,166
AFS, Fair Value
AFS, Fair Value, Not due at single maturity	1,870,571
HTM, Amortized Cost
HTM, Amortized Cost, Not due at single maturity	1,557,372
HTM, Fair Value
HTM, Fair Value, Not due at single maturity	1,419,366
Commercial MBS
AFS, Amortized Cost
AFS, Amortized Cost, Not due at single maturity	788,840
AFS, Fair Value
AFS, Fair Value, Not due at single maturity	733,052
HTM, Amortized Cost
HTM, Amortized Cost, Not due at single maturity	728,209
HTM, Fair Value
HTM, Fair Value, Not due at single maturity	$ 645,333

Investment Securities - AFS sales activity (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 73,112	$ 78,111	$ 281,521	$ 78,111
Gross realized gains	46	641	1,009	641
Gross realized losses	0	(600)	(4,697)	(600)
Securities gains (losses), net	46	41	(3,688)	41
Income tax expense (benefit) attributable to sales	$ 11	$ 14	$ (979)	$ 14

Loans and Leases and Allowance for Credit Losses - Narrative (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net investment in leases	$ 40,835	$ 37,728
TDRs	50,700	52,400
Loans receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrued interest receivable	$ 38,800	$ 28,500

Loans and Leases and Allowance for Credit Losses - Major classifications of loan portfolio (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Classifications of loans
Total loans	$ 14,541,230		$ 11,760,346
Less allowance for credit losses - loans	(136,925)	$ (132,805)	(102,532)	$ (111,616)	$ (126,866)	$ (137,010)
Loans and leases, net	14,404,305		11,657,814
Loans receivable
Classifications of loans
Total loans	14,541,230		11,760,346
Loans receivable \| Commercial
Classifications of loans
Total loans	10,932,129		8,930,556
Loans receivable \| Commercial \| Owner occupied commercial real estate
Classifications of loans
Total loans	2,681,022		2,321,685
Less allowance for credit losses - loans	(16,774)	(15,945)	(14,282)	(17,292)	(19,282)	(20,673)
Loans receivable \| Commercial \| Income producing commercial real estate
Classifications of loans
Total loans	3,273,527		2,600,858
Less allowance for credit losses - loans	(33,284)	(33,539)	(24,156)	(30,967)	(34,911)	(41,737)
Loans receivable \| Commercial \| Commercial & industrial
Classifications of loans
Total loans	2,252,919		1,910,162
Less allowance for credit losses - loans	(18,267)	(18,386)	(16,592)	(16,414)	(21,750)	(22,019)
Loans receivable \| Commercial \| PPP loans included in commercial & industrial
Classifications of loans
Total loans	9,960		88,300
Loans receivable \| Commercial \| Construction
Classifications of loans
Total loans	1,513,819		1,014,830
Less allowance for credit losses - loans	(16,062)	(13,782)	(9,956)	(9,180)	(10,572)	(10,952)
Loans receivable \| Commercial \| Equipment financing
Classifications of loans
Total loans	1,210,842		1,083,021
Less allowance for credit losses - loans	(18,409)	(19,264)	(16,290)	(18,100)	(17,200)	(16,820)
Loans receivable \| Residential \| Residential mortgage
Classifications of loans
Total loans	1,996,902		1,637,885
Less allowance for credit losses - loans	(17,035)	(14,964)	(12,390)	(10,965)	(14,580)	(15,341)
Loans receivable \| Residential \| HELOC
Classifications of loans
Total loans	801,069		694,034
Less allowance for credit losses - loans	(7,487)	(7,128)	(6,568)	(6,357)	(6,880)	(8,417)
Loans receivable \| Residential \| Construction
Classifications of loans
Total loans	381,545		359,815
Less allowance for credit losses - loans	(2,086)	(1,929)	(1,847)	(1,918)	(1,362)	(764)
Loans receivable \| Residential \| Manufactured housing
Classifications of loans
Total loans	286,557		0
Less allowance for credit losses - loans	(6,614)	(7,083)	0	0	0
Loans receivable \| Consumer
Classifications of loans
Total loans	143,028		138,056
Less allowance for credit losses - loans	$ (907)	$ (785)	$ (451)	$ (423)	$ (329)	$ (287)

Loans and Leases and Allowance for Credit Losses - Loans sold (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans sold	$ 59,660	$ 51,211	$ 111,439	$ 63,615
Guaranteed portion of SBA/USDA loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans sold	39,119	32,303	67,462	43,648
Equipment financing receivables
Financing Receivable, Allowance for Credit Loss [Line Items]
Total loans sold	$ 20,541	$ 18,908	$ 43,977	$ 19,967

Loans and Leases and Allowance for Credit Losses - Components of net investment in leases (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Net Investment in Leases
Minimum future lease payments receivable	$ 43,453	$ 39,962
Estimated residual value of leased equipment	3,046	3,216
Initial direct costs	684	669
Security deposits	(503)	(687)
Unearned income	(5,845)	(5,432)
Net investment in leases	$ 40,835	$ 37,728

Loans and Leases and Allowance for Credit Losses - Minimum future lease payments expected to be received from equipment financing lease contracts (Details) $ in Thousands	Jun. 30, 2022 USD ($)
Minimum future lease payments expected to be received
Remainder of 2022	$ 8,570
2023	14,332
2024	9,861
2025	6,434
2026	3,414
Thereafter	842
Total	$ 43,453

Loans and Leases and Allowance for Credit Losses - Nonaccrual loans by loan class (Details) - Loans receivable - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Nonaccrual loans
Nonaccrual loans with no allowance	$ 13,604	$ 16,360
Nonaccrual loans with an allowance	19,539	16,452
Nonaccrual loans	33,143	32,812
Commercial
Nonaccrual loans
Nonaccrual loans with no allowance	10,488	12,729
Nonaccrual loans with an allowance	6,467	5,086
Nonaccrual loans	16,955	17,815
Commercial \| Owner occupied commercial real estate
Nonaccrual loans
Nonaccrual loans with no allowance	1,386	2,141
Nonaccrual loans with an allowance	490	573
Nonaccrual loans	1,876	2,714
Commercial \| Income producing commercial real estate
Nonaccrual loans
Nonaccrual loans with no allowance	6,574	6,873
Nonaccrual loans with an allowance	500	715
Nonaccrual loans	7,074	7,588
Commercial \| Commercial & industrial
Nonaccrual loans
Nonaccrual loans with no allowance	2,528	3,715
Nonaccrual loans with an allowance	2,020	1,714
Nonaccrual loans	4,548	5,429
Commercial \| Construction
Nonaccrual loans
Nonaccrual loans with no allowance	0	0
Nonaccrual loans with an allowance	208	343
Nonaccrual loans	208	343
Commercial \| Equipment financing
Nonaccrual loans
Nonaccrual loans with no allowance	0	0
Nonaccrual loans with an allowance	3,249	1,741
Nonaccrual loans	3,249	1,741
Residential \| Residential mortgage
Nonaccrual loans
Nonaccrual loans with no allowance	2,803	3,126
Nonaccrual loans with an allowance	9,425	10,187
Nonaccrual loans	12,228	13,313
Residential \| HELOC
Nonaccrual loans
Nonaccrual loans with no allowance	211	219
Nonaccrual loans with an allowance	722	993
Nonaccrual loans	933	1,212
Residential \| Construction
Nonaccrual loans
Nonaccrual loans with no allowance	100	280
Nonaccrual loans with an allowance	98	140
Nonaccrual loans	198	420
Residential \| Manufactured housing
Nonaccrual loans
Nonaccrual loans with no allowance	0	0
Nonaccrual loans with an allowance	2,804	0
Nonaccrual loans	2,804	0
Consumer
Nonaccrual loans
Nonaccrual loans with no allowance	2	6
Nonaccrual loans with an allowance	23	46
Nonaccrual loans	$ 25	$ 52

Loans and Leases and Allowance for Credit Losses - Risk category of term loans by vintage year (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	$ 2,654,655	$ 4,181,120
Originated in prior year	4,186,306	2,679,991
Originated two years prior	2,749,132	1,302,346
Originated three years prior	1,194,935	785,543
Originated four years prior	694,434	529,286
Originated five or more years prior	1,206,897	869,486
Revolvers	1,803,919	1,352,903
Revolvers converted to term loans	50,952	59,671
Total loans	14,541,230	11,760,346
Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	2,549,792	4,056,001
Originated in prior year	4,144,045	2,613,439
Originated two years prior	2,666,761	1,230,851
Originated three years prior	1,118,113	686,372
Originated four years prior	619,900	467,977
Originated five or more years prior	1,125,004	805,770
Revolvers	1,778,143	1,345,755
Revolvers converted to term loans	44,723	54,067
Total loans	14,046,481	11,260,232
Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	57,740	87,231
Originated in prior year	23,084	48,922
Originated two years prior	71,702	54,403
Originated three years prior	53,594	49,742
Originated four years prior	32,742	36,461
Originated five or more years prior	37,537	24,876
Revolvers	7,813	2,490
Revolvers converted to term loans	593	286
Total loans	284,805	304,411
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	47,123	37,888
Originated in prior year	19,177	17,630
Originated two years prior	10,669	17,092
Originated three years prior	23,228	49,429
Originated four years prior	41,792	24,848
Originated five or more years prior	44,356	38,840
Revolvers	17,963	4,658
Revolvers converted to term loans	5,636	5,318
Total loans	209,944	195,703
Commercial \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	1,874,313	2,892,353
Originated in prior year	3,066,857	2,197,828
Originated two years prior	2,235,374	1,109,201
Originated three years prior	974,850	614,611
Originated four years prior	521,360	391,842
Originated five or more years prior	793,840	573,932
Revolvers	967,884	636,889
Revolvers converted to term loans	24,967	35,014
Total loans	10,459,445	8,451,670
Commercial \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	57,740	87,231
Originated in prior year	23,084	48,922
Originated two years prior	71,702	54,403
Originated three years prior	53,594	49,742
Originated four years prior	32,742	36,461
Originated five or more years prior	37,537	24,876
Revolvers	7,813	2,490
Revolvers converted to term loans	593	286
Total loans	284,805	304,411
Commercial \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	45,346	34,105
Originated in prior year	16,594	16,029
Originated two years prior	8,945	14,227
Originated three years prior	20,238	46,123
Originated four years prior	38,155	23,621
Originated five or more years prior	37,845	33,740
Revolvers	17,658	4,326
Revolvers converted to term loans	3,098	2,304
Total loans	187,879	174,475
Commercial \| Owner occupied commercial real estate \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	417,987	643,151
Originated in prior year	701,620	674,124
Originated two years prior	651,506	278,702
Originated three years prior	229,330	153,233
Originated four years prior	138,973	139,584
Originated five or more years prior	342,269	267,460
Revolvers	108,735	68,354
Revolvers converted to term loans	9,482	17,150
Total loans	2,599,902	2,241,758
Commercial \| Owner occupied commercial real estate \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	3,798	7,772
Originated in prior year	4,943	2,979
Originated two years prior	3,621	16,639
Originated three years prior	10,380	4,374
Originated four years prior	4,247	6,007
Originated five or more years prior	6,825	2,641
Revolvers	3,034	248
Revolvers converted to term loans	282	286
Total loans	37,130	40,946
Commercial \| Owner occupied commercial real estate \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	8,299	11,987
Originated in prior year	7,188	1,049
Originated two years prior	2,218	4,216
Originated three years prior	8,813	3,712
Originated four years prior	1,443	5,829
Originated five or more years prior	14,869	11,088
Revolvers	210	0
Revolvers converted to term loans	950	1,100
Total loans	43,990	38,981
Commercial \| Income producing commercial real estate \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	433,518	668,322
Originated in prior year	837,176	678,487
Originated two years prior	789,317	333,911
Originated three years prior	347,162	221,218
Originated four years prior	193,782	165,563
Originated five or more years prior	327,057	219,459
Revolvers	52,157	41,157
Revolvers converted to term loans	9,243	11,830
Total loans	2,989,412	2,339,947
Commercial \| Income producing commercial real estate \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	53,231	64,139
Originated in prior year	15,967	27,875
Originated two years prior	66,817	21,875
Originated three years prior	20,289	22,292
Originated four years prior	22,192	18,415
Originated five or more years prior	30,178	21,880
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	208,674	176,476
Commercial \| Income producing commercial real estate \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	28,240	15,485
Originated in prior year	6,299	12,618
Originated two years prior	3,061	3,779
Originated three years prior	4,409	29,212
Originated four years prior	21,420	6,726
Originated five or more years prior	11,553	16,531
Revolvers	394	0
Revolvers converted to term loans	65	84
Total loans	75,441	84,435
Commercial \| Commercial & industrial \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	283,383	638,567
Originated in prior year	547,424	270,150
Originated two years prior	238,826	178,944
Originated three years prior	155,495	136,281
Originated four years prior	131,943	50,567
Originated five or more years prior	91,022	72,904
Revolvers	741,983	514,750
Revolvers converted to term loans	5,001	4,361
Total loans	2,195,077	1,866,524
Commercial \| Commercial & industrial \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	242	1,037
Originated in prior year	2,136	1,831
Originated two years prior	1,118	2,740
Originated three years prior	872	597
Originated four years prior	1,361	273
Originated five or more years prior	305	303
Revolvers	4,779	2,242
Revolvers converted to term loans	311	0
Total loans	11,124	9,023
Commercial \| Commercial & industrial \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	5,710	2,741
Originated in prior year	1,572	1,615
Originated two years prior	1,884	5,284
Originated three years prior	6,107	12,685
Originated four years prior	11,088	1,232
Originated five or more years prior	1,468	5,863
Revolvers	17,054	4,326
Revolvers converted to term loans	1,835	869
Total loans	46,718	34,615
Commercial \| Construction \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	367,865	378,695
Originated in prior year	529,102	303,154
Originated two years prior	344,571	149,740
Originated three years prior	117,304	40,625
Originated four years prior	14,882	22,983
Originated five or more years prior	28,427	13,206
Revolvers	65,009	12,628
Revolvers converted to term loans	1,241	1,673
Total loans	1,468,401	922,704
Commercial \| Construction \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	469	14,283
Originated in prior year	38	16,237
Originated two years prior	146	13,149
Originated three years prior	22,053	22,479
Originated four years prior	4,942	11,766
Originated five or more years prior	229	52
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	27,877	77,966
Commercial \| Construction \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	3,097	3,464
Originated in prior year	123	157
Originated two years prior	55	272
Originated three years prior	155	11
Originated four years prior	3,982	9,750
Originated five or more years prior	9,881	255
Revolvers	0	0
Revolvers converted to term loans	248	251
Total loans	17,541	14,160
Commercial \| Equipment financing \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	371,560	563,618
Originated in prior year	451,535	271,913
Originated two years prior	211,154	167,904
Originated three years prior	125,559	63,254
Originated four years prior	41,780	13,145
Originated five or more years prior	5,065	903
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	1,206,653	1,080,737
Commercial \| Equipment financing \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0	0
Originated in prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated five or more years prior	0	0
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	0	0
Commercial \| Equipment financing \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0	428
Originated in prior year	1,412	590
Originated two years prior	1,727	676
Originated three years prior	754	503
Originated four years prior	222	84
Originated five or more years prior	74	3
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	4,189	2,284
Residential \| Residential mortgage \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	427,438	781,007
Originated in prior year	785,961	370,092
Originated two years prior	351,619	108,091
Originated three years prior	97,033	64,346
Originated four years prior	60,590	71,552
Originated five or more years prior	254,954	221,131
Revolvers	9	9
Revolvers converted to term loans	3,399	3,915
Total loans	1,981,003	1,620,143
Residential \| Residential mortgage \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0	0
Originated in prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated five or more years prior	0	0
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	0	0
Residential \| Residential mortgage \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	1,472	3,339
Originated in prior year	2,282	1,585
Originated two years prior	1,257	2,813
Originated three years prior	2,330	3,229
Originated four years prior	2,722	1,205
Originated five or more years prior	5,109	4,744
Revolvers	0	0
Revolvers converted to term loans	727	827
Total loans	15,899	17,742
Residential \| HELOC \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0	0
Originated in prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated five or more years prior	0	0
Revolvers	783,057	676,545
Revolvers converted to term loans	15,898	14,994
Total loans	798,955	691,539
Residential \| HELOC \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0	0
Originated in prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated five or more years prior	0	0
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	0	0
Residential \| HELOC \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0	0
Originated in prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated five or more years prior	0	0
Revolvers	303	329
Revolvers converted to term loans	1,811	2,166
Total loans	2,114	2,495
Residential \| Construction \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	168,191	325,111
Originated in prior year	191,978	16,301
Originated two years prior	6,810	2,802
Originated three years prior	2,054	2,278
Originated four years prior	1,853	3,144
Originated five or more years prior	9,750	9,352
Revolvers	0	0
Revolvers converted to term loans	336	33
Total loans	380,972	359,021
Residential \| Construction \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0	0
Originated in prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated five or more years prior	0	0
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	0	0
Residential \| Construction \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	293	407
Originated in prior year	41	0
Originated two years prior	0	30
Originated three years prior	21	51
Originated four years prior	50	0
Originated five or more years prior	168	306
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	573	794
Residential \| Manufactured housing \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	37,903
Originated in prior year	57,712
Originated two years prior	52,091
Originated three years prior	37,200
Originated four years prior	33,103
Originated five or more years prior	65,194
Revolvers	0
Revolvers converted to term loans	0
Total loans	283,203
Residential \| Manufactured housing \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	0
Revolvers	0
Revolvers converted to term loans	0
Total loans	0
Residential \| Manufactured housing \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0
Originated in prior year	231
Originated two years prior	450
Originated three years prior	622
Originated four years prior	826
Originated five or more years prior	1,225
Revolvers	0
Revolvers converted to term loans	0
Total loans	3,354
Consumer \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	41,947	57,530
Originated in prior year	41,537	29,218
Originated two years prior	20,867	10,757
Originated three years prior	6,976	5,137
Originated four years prior	2,994	1,439
Originated five or more years prior	1,266	1,355
Revolvers	27,193	32,312
Revolvers converted to term loans	123	111
Total loans	142,903	137,859
Consumer \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0	0
Originated in prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated five or more years prior	0	0
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	0	0
Consumer \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	12	37
Originated in prior year	29	16
Originated two years prior	17	22
Originated three years prior	17	26
Originated four years prior	39	22
Originated five or more years prior	9	50
Revolvers	2	3
Revolvers converted to term loans	0	21
Total loans	$ 125	$ 197

Loans and Leases and Allowance for Credit Losses - Balance and activity in the ACL by portfolio segment (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
ACL
ACL - loans, Beginning Balance	$ 132,805	$ 126,866	$ 102,532	$ 137,010
ACL- loans, Initial ACL - PCD loans			12,737
ACL - loans, Charge-Offs	(3,583)	(2,531)	(9,207)	(9,364)
ACL - loans, Recoveries	4,652	2,987	7,298	10,125
ACL - loans, (Release) Provision	3,051	(15,706)	23,565	(26,155)
ACL - loans, Ending Balance	136,925	111,616	136,925	111,616
ACL - unfunded commitments, Beginning Balance	13,564	8,726	10,992	10,558
ACL - unfunded commitments, (Release) Provision	2,553	2,118	5,125	286
ACL - unfunded commitments, Ending Balance	16,117	10,844	16,117	10,844
Total ACL, Beginning Balance	146,369	135,592	113,524	147,568
Total ACL, Initial ACL - PCD loans			12,737
Total ACL, Charge-Offs	(3,583)	(2,531)	(9,207)	(9,364)
Total ACL, Recoveries	4,652	2,987	7,298	10,125
Total ACL, (Release) Provision	5,604	(13,588)	28,690	(25,869)
Total ACL, Ending Balance	153,042	122,460	153,042	122,460
Loans receivable \| Commercial \| Owner occupied commercial real estate
ACL
ACL - loans, Beginning Balance	15,945	19,282	14,282	20,673
ACL- loans, Initial ACL - PCD loans			266
ACL - loans, Charge-Offs	0	(1)	0	(1)
ACL - loans, Recoveries	1,496	156	1,541	396
ACL - loans, (Release) Provision	(667)	(2,145)	685	(3,776)
ACL - loans, Ending Balance	16,774	17,292	16,774	17,292
Loans receivable \| Commercial \| Income producing commercial real estate
ACL
ACL - loans, Beginning Balance	33,539	34,911	24,156	41,737
ACL- loans, Initial ACL - PCD loans			4,366
ACL - loans, Charge-Offs	0	(52)	0	(1,059)
ACL - loans, Recoveries	116	213	406	229
ACL - loans, (Release) Provision	(371)	(4,105)	4,356	(9,940)
ACL - loans, Ending Balance	33,284	30,967	33,284	30,967
Loans receivable \| Commercial \| Commercial & industrial
ACL
ACL - loans, Beginning Balance	18,386	21,750	16,592	22,019
ACL- loans, Initial ACL - PCD loans			2,337
ACL - loans, Charge-Offs	(1,011)	(857)	(4,605)	(3,751)
ACL - loans, Recoveries	1,313	797	1,978	6,444
ACL - loans, (Release) Provision	(421)	(5,276)	1,965	(8,298)
ACL - loans, Ending Balance	18,267	16,414	18,267	16,414
Loans receivable \| Commercial \| Construction
ACL
ACL - loans, Beginning Balance	13,782	10,572	9,956	10,952
ACL- loans, Initial ACL - PCD loans			2,857
ACL - loans, Charge-Offs	0	(46)	(41)	(224)
ACL - loans, Recoveries	144	339	558	495
ACL - loans, (Release) Provision	2,136	(1,685)	2,732	(2,043)
ACL - loans, Ending Balance	16,062	9,180	16,062	9,180
Loans receivable \| Commercial \| Equipment financing
ACL
ACL - loans, Beginning Balance	19,264	17,200	16,290	16,820
ACL- loans, Initial ACL - PCD loans			0
ACL - loans, Charge-Offs	(1,709)	(1,188)	(2,657)	(3,246)
ACL - loans, Recoveries	802	887	1,483	1,434
ACL - loans, (Release) Provision	52	1,201	3,293	3,092
ACL - loans, Ending Balance	18,409	18,100	18,409	18,100
Loans receivable \| Residential \| Residential mortgage
ACL
ACL - loans, Beginning Balance	14,964	14,580	12,390	15,341
ACL- loans, Initial ACL - PCD loans			385
ACL - loans, Charge-Offs	0	0	(53)	(215)
ACL - loans, Recoveries	51	194	201	317
ACL - loans, (Release) Provision	2,020	(3,809)	4,112	(4,478)
ACL - loans, Ending Balance	17,035	10,965	17,035	10,965
Loans receivable \| Residential \| HELOC
ACL
ACL - loans, Beginning Balance	7,128	6,880	6,568	8,417
ACL- loans, Initial ACL - PCD loans			60
ACL - loans, Charge-Offs	0	(34)	(9)	(34)
ACL - loans, Recoveries	346	146	436	219
ACL - loans, (Release) Provision	13	(635)	432	(2,245)
ACL - loans, Ending Balance	7,487	6,357	7,487	6,357
Loans receivable \| Residential \| Construction
ACL
ACL - loans, Beginning Balance	1,929	1,362	1,847	764
ACL- loans, Initial ACL - PCD loans			1
ACL - loans, Charge-Offs	0	0	0	(10)
ACL - loans, Recoveries	76	33	99	103
ACL - loans, (Release) Provision	81	523	139	1,061
ACL - loans, Ending Balance	2,086	1,918	2,086	1,918
Loans receivable \| Residential \| Manufactured housing
ACL
ACL - loans, Beginning Balance	7,083	0	0
ACL- loans, Initial ACL - PCD loans			2,438
ACL - loans, Charge-Offs	(135)	0	(308)
ACL - loans, Recoveries	0	0	9
ACL - loans, (Release) Provision	(334)	0	4,475
ACL - loans, Ending Balance	6,614	0	6,614	0
Loans receivable \| Consumer
ACL
ACL - loans, Beginning Balance	785	329	451	287
ACL- loans, Initial ACL - PCD loans			27
ACL - loans, Charge-Offs	(728)	(353)	(1,534)	(824)
ACL - loans, Recoveries	308	222	587	488
ACL - loans, (Release) Provision	542	225	1,376	472
ACL - loans, Ending Balance	$ 907	$ 423	$ 907	$ 423

Derivatives and Hedging Activities - Fair value of derivative financial instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Derivatives, Fair Value [Line Items]
Notional Amount	$ 2,632,099	$ 3,052,601
Derivative Asset
Total gross derivative instruments	37,351	42,480
Less: Amounts subject to master netting agreements	(634)	(694)
Less: Cash collateral received/pledged	(28,161)	(6,620)
Net amount	8,556	35,166
Derivative Liability
Total gross derivative instruments	68,565	25,145
Less: Amounts subject to master netting agreements	(634)	(694)
Less: Cash collateral received/pledged	(11,279)	(14,148)
Net amount	56,652	10,303
Derivative assets
Derivative Asset
Total gross derivative instruments	37,351	42,480
Derivative liabilities
Derivative Liability
Total gross derivative instruments	68,565	25,145
Designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	120,000	130,000
Designated as hedging instrument \| Cash flow hedge of subordinated debt
Derivatives, Fair Value [Line Items]
Notional Amount	100,000	100,000
Designated as hedging instrument \| Cash flow hedge of trust preferred securities
Derivatives, Fair Value [Line Items]
Notional Amount	20,000	20,000
Designated as hedging instrument \| Fair value hedge of brokered time deposits
Derivatives, Fair Value [Line Items]
Notional Amount	0	10,000
Designated as hedging instrument \| Derivative assets
Derivative Asset
Derivatives designated as hedging instruments	12,318	6,389
Designated as hedging instrument \| Derivative assets \| Cash flow hedge of subordinated debt
Derivative Asset
Cash flow hedge	12,318	6,389
Designated as hedging instrument \| Derivative assets \| Cash flow hedge of trust preferred securities
Derivative Asset
Cash flow hedge	0	0
Designated as hedging instrument \| Derivative assets \| Fair value hedge of brokered time deposits
Derivative Asset
Fair value hedge	0	0
Designated as hedging instrument \| Derivative liabilities
Derivative Liability
Derivatives designated as hedging instruments	0	0
Designated as hedging instrument \| Derivative liabilities \| Cash flow hedge of subordinated debt
Derivative Liability
Cash flow hedge	0	0
Designated as hedging instrument \| Derivative liabilities \| Cash flow hedge of trust preferred securities
Derivative Liability
Cash flow hedge	0	0
Designated as hedging instrument \| Derivative liabilities \| Fair value hedge of brokered time deposits
Derivative Liability
Fair value hedge	0	0
Not designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	2,512,099	2,922,601
Not designated as hedging instrument \| Customer derivative positions
Derivatives, Fair Value [Line Items]
Notional Amount	1,095,566	1,206,145
Not designated as hedging instrument \| Dealer offsets to customer derivative positions
Derivatives, Fair Value [Line Items]
Notional Amount	1,105,566	1,230,885
Not designated as hedging instrument \| Risk participations
Derivatives, Fair Value [Line Items]
Notional Amount	80,401	69,385
Not designated as hedging instrument \| Mortgage banking - loan commitment
Derivatives, Fair Value [Line Items]
Notional Amount	45,696	110,897
Not designated as hedging instrument \| Mortgage banking - forward sales commitment
Derivatives, Fair Value [Line Items]
Notional Amount	81,000	201,419
Not designated as hedging instrument \| Bifurcated embedded derivatives
Derivatives, Fair Value [Line Items]
Notional Amount	51,935	51,935
Not designated as hedging instrument \| Dealer offsets to bifurcated embedded derivatives
Derivatives, Fair Value [Line Items]
Notional Amount	51,935	51,935
Not designated as hedging instrument \| Derivative assets
Derivative Asset
Derivatives not designated as hedging instruments	25,033	36,091
Not designated as hedging instrument \| Derivative assets \| Customer derivative positions
Derivative Asset
Derivatives not designated as hedging instruments	795	28,656
Not designated as hedging instrument \| Derivative assets \| Dealer offsets to customer derivative positions
Derivative Asset
Derivatives not designated as hedging instruments	13,629	974
Not designated as hedging instrument \| Derivative assets \| Risk participations
Derivative Asset
Derivatives not designated as hedging instruments	5	16
Not designated as hedging instrument \| Derivative assets \| Mortgage banking - loan commitment
Derivative Asset
Derivatives not designated as hedging instruments	1,292	3,450
Not designated as hedging instrument \| Derivative assets \| Mortgage banking - forward sales commitment
Derivative Asset
Derivatives not designated as hedging instruments	410	67
Not designated as hedging instrument \| Derivative assets \| Bifurcated embedded derivatives
Derivative Asset
Derivatives not designated as hedging instruments	8,902	2,928
Not designated as hedging instrument \| Derivative assets \| Dealer offsets to bifurcated embedded derivatives
Derivative Asset
Derivatives not designated as hedging instruments	0	0
Not designated as hedging instrument \| Derivative liabilities
Derivative Liability
Derivatives not designated as hedging instruments	68,565	25,145
Not designated as hedging instrument \| Derivative liabilities \| Customer derivative positions
Derivative Liability
Derivatives not designated as hedging instruments	57,212	10,663
Not designated as hedging instrument \| Derivative liabilities \| Dealer offsets to customer derivative positions
Derivative Liability
Derivatives not designated as hedging instruments	367	9,232
Not designated as hedging instrument \| Derivative liabilities \| Risk participations
Derivative Liability
Derivatives not designated as hedging instruments	2	7
Not designated as hedging instrument \| Derivative liabilities \| Mortgage banking - loan commitment
Derivative Liability
Derivatives not designated as hedging instruments	0	0
Not designated as hedging instrument \| Derivative liabilities \| Mortgage banking - forward sales commitment
Derivative Liability
Derivatives not designated as hedging instruments	191	202
Not designated as hedging instrument \| Derivative liabilities \| Bifurcated embedded derivatives
Derivative Liability
Derivatives not designated as hedging instruments	0	0
Not designated as hedging instrument \| Derivative liabilities \| Dealer offsets to bifurcated embedded derivatives
Derivative Liability
Derivatives not designated as hedging instruments	$ 10,793	$ 5,041

Derivatives and Hedging Activities - Narrative (Details) $ in Thousands	Jun. 30, 2022 USD ($) contract
Derivative Instruments [Line Items]
Gains to be reclassified from accumulated other comprehensive income into earnings over the next twelve months \| $	$ 1,360
Economic hedge, not designated as hedging instrument \| Interest rate swaps
Derivative Instruments [Line Items]
Number of derivative contracts \| contract	3

Derivatives and Hedging Activities - Effect of derivatives in hedging relationships (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Derivative Instruments [Line Items]
Total interest expense presented in the consolidated statements of income	$ (8,475)	$ (7,433)	$ (15,742)	$ (16,911)
Fair value hedging \| Interest expense
Effect of hedging relationships on interest expense:
Net income (expense) recognized	0	46	28	124
Cash flow hedging \| Interest expense
Effect of hedging relationships on interest expense:
Net income (expense) recognized	(106)	(147)	(247)	(291)
Premium amortization expense excluded from assessment of hedge effectiveness	$ 118	$ 118	$ 234	$ 234

Derivatives and Hedging Activities - Gains and losses recognized in income on derivatives not designated as hedging instruments (Details) - Not designated as hedging instrument - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Derivative Instruments [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivatives	$ 3,239	$ (3,276)	$ 8,756	$ 2,711
Customer derivatives and dealer offsets
Derivative Instruments [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivatives	445	162	1,214	2,059
Bifurcated embedded derivatives and dealer offsets
Derivative Instruments [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivatives	85	(42)	198	417
Mortgage banking derivatives
Derivative Instruments [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivatives	2,616	(3,494)	7,250	342
Risk participations
Derivative Instruments [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivatives	$ 93	$ 98	$ 94	$ (107)

Goodwill and Other Intangible Assets - Carrying amount (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Goodwill and other intangible assets
Total intangible assets subject to amortization	$ 31,370		$ 20,400
Goodwill	751,174	$ 751,174	452,007	$ 367,809	$ 367,809	$ 367,809
Total goodwill and other intangible assets, net	782,544		472,407
Core deposit intangible
Goodwill and other intangible assets
Intangibles subject to amortization, gross	46,902		38,192
Less: accumulated amortization	(23,214)		(25,870)
Total intangible assets subject to amortization	23,688		12,322
Customer relationship intangible
Goodwill and other intangible assets
Intangibles subject to amortization, gross	8,400		8,400
Less: accumulated amortization	(718)		(322)
Total intangible assets subject to amortization	$ 7,682		$ 8,078

- Definition

Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.

+ References + Details

Goodwill and Other Intangible Assets - Narrative (Details) $ in Millions	3 Months Ended
	Mar. 31, 2022 USD ($)
Customer relationship intangible \| Reliant
Finite-Lived Intangible Assets [Line Items]
Intangible asset acquired	$ 14.5

Goodwill and Other Intangible Assets - Changes in carrying amount of goodwill (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Goodwill [Roll Forward]
Goodwill, beginning balance	$ 751,174	$ 367,809	$ 452,007	$ 367,809
Acquisitions	0	0	299,167	0
Goodwill, ending balance	751,174	$ 367,809	751,174	$ 367,809
Accumulated impairment losses on goodwill	$ 306,000		$ 306,000		$ 306,000

- Definition

+ References + Details

Goodwill and Other Intangible Assets - Estimated aggregate amortization expense for future periods (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Estimated Aggregate Amortization Expense For Future Periods
Remainder of 2022	$ 3,297
2023	5,903
2024	5,018
2025	4,051
2026	3,303
Thereafter	9,798
Total intangible assets subject to amortization	$ 31,370	$ 20,400

Long-term Debt - Summary (Details) - USD ($) $ in Thousands	6 Months Ended	28 Months Ended	60 Months Ended	66 Months Ended	71 Months Ended
Long-term Debt - Summary (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2027	Dec. 31, 2029	Dec. 31, 2030	Dec. 31, 2028	Dec. 31, 2021
Debt Instrument [Line Items]
Less net discount	$ (4,961)					$ (8,260)
Total long-term debt	324,371					247,360
Senior debentures
Debt Instrument [Line Items]
Long-term debt, gross	135,000					135,000
Senior debentures \| 2027 senior debentures
Debt Instrument [Line Items]
Long-term debt, gross	$ 35,000					35,000
Issue Date	2015
Stated Maturity Date	2027
Earliest Call Date	2025
Interest Rate (percent)	5.50%
Senior debentures \| 2027 senior debentures \| LIBOR \| Forecast
Debt Instrument [Line Items]
Basis spread on variable rate (spread)		3.71%
Senior debentures \| 2030 senior debentures
Debt Instrument [Line Items]
Long-term debt, gross	$ 100,000					100,000
Issue Date	2020
Stated Maturity Date	2030
Earliest Call Date	2025
Interest Rate (percent)	5.00%
Senior debentures \| 2030 senior debentures \| SOFR \| Forecast
Debt Instrument [Line Items]
Basis spread on variable rate (spread)				4.87%
Subordinated debentures
Debt Instrument [Line Items]
Long-term debt, gross	$ 160,000					100,000
Subordinated debentures \| 2028 subordinated debentures
Debt Instrument [Line Items]
Long-term debt, gross	$ 100,000					100,000
Issue Date	2018
Stated Maturity Date	2028
Earliest Call Date	2023
Interest Rate (percent)	4.50%
Subordinated debentures \| 2028 subordinated debentures \| LIBOR \| Forecast
Debt Instrument [Line Items]
Basis spread on variable rate (spread)					2.12%
Subordinated debentures \| 2029 subordinated debentures
Debt Instrument [Line Items]
Long-term debt, gross	$ 60,000					0
Issue Date	2019
Stated Maturity Date	2029
Earliest Call Date	2024
Interest Rate (percent)	5.125%
Subordinated debentures \| 2029 subordinated debentures \| SOFR \| Forecast
Debt Instrument [Line Items]
Basis spread on variable rate (spread)			3.765%
Trust preferred securities
Debt Instrument [Line Items]
Long-term debt, gross	$ 34,332					20,620
Trust preferred securities \| Tidelands Statutory Trust I
Debt Instrument [Line Items]
Long-term debt, gross	$ 8,248					8,248
Issue Date	2006
Stated Maturity Date	2036
Trust preferred securities \| Tidelands Statutory Trust I \| LIBOR
Debt Instrument [Line Items]
Basis spread on variable rate (spread)	1.38%
Trust preferred securities \| Four Oaks Statutory Trust I
Debt Instrument [Line Items]
Long-term debt, gross	$ 12,372					12,372
Issue Date	2006
Stated Maturity Date	2036
Trust preferred securities \| Four Oaks Statutory Trust I \| LIBOR
Debt Instrument [Line Items]
Basis spread on variable rate (spread)	1.35%
Trust preferred securities \| Community First Capital Trust I
Debt Instrument [Line Items]
Long-term debt, gross	$ 3,093					0
Issue Date	2002
Stated Maturity Date	2032
Trust preferred securities \| Community First Capital Trust I \| Prime Rate
Debt Instrument [Line Items]
Basis spread on variable rate (spread)	0.50%
Trust preferred securities \| Community First Capital Trust II
Debt Instrument [Line Items]
Long-term debt, gross	$ 5,155					0
Issue Date	2005
Stated Maturity Date	2035
Trust preferred securities \| Community First Capital Trust II \| LIBOR
Debt Instrument [Line Items]
Basis spread on variable rate (spread)	1.50%
Trust preferred securities \| Community First Capital Trust III
Debt Instrument [Line Items]
Long-term debt, gross	$ 5,464					$ 0
Issue Date	2007
Stated Maturity Date	2037
Trust preferred securities \| Community First Capital Trust III \| LIBOR
Debt Instrument [Line Items]
Basis spread on variable rate (spread)	3.00%

Long-term Debt - Narrative (Details) $ in Thousands	Jan. 01, 2022 USD ($)
Reliant
Debt Instrument [Line Items]
Long-term debt assumed	$ 76,730

Assets and Liabilities Measured at Fair Value - Assets and liabilities measured at fair value on recurring basis (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Assets:
Debt securities available-for-sale	$ 3,960,285	$ 4,496,824
Mortgage loans held for sale	22,298	44,109
U.S. Treasuries
Assets:
Debt securities available-for-sale	182,703	217,520
U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	257,182	187,032
State and political subdivisions
Assets:
Debt securities available-for-sale	321,883	275,844
Corporate bonds
Assets:
Debt securities available-for-sale	219,956	193,166
Asset-backed securities
Assets:
Debt securities available-for-sale	374,938	604,277
Recurring
Assets:
Equity securities with readily available fair values	11,603	1,302
Mortgage loans held for sale	22,298	44,109
Deferred compensation plan assets	11,122	11,769
Servicing rights for SBA/USDA loans	6,167	6,513
Residential mortgage servicing rights	35,131	25,161
Derivative financial instruments	37,351	42,480
Total assets	4,083,957	4,628,158
Liabilities:
Deferred compensation plan liability	11,146	11,795
Derivative financial instruments	68,565	25,145
Total liabilities	79,711	36,940
Recurring \| U.S. Treasuries
Assets:
Debt securities available-for-sale	182,703	217,520
Recurring \| U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	257,182	187,032
Recurring \| State and political subdivisions
Assets:
Debt securities available-for-sale	321,883	275,844
Recurring \| Residential MBS
Assets:
Debt securities available-for-sale	1,870,571	2,145,134
Recurring \| Commercial MBS
Assets:
Debt securities available-for-sale	733,052	873,851
Recurring \| Corporate bonds
Assets:
Debt securities available-for-sale	219,956	193,166
Recurring \| Asset-backed securities
Assets:
Debt securities available-for-sale	374,938	604,277
Recurring \| Level 1
Assets:
Equity securities with readily available fair values	10,350	0
Mortgage loans held for sale	0	0
Deferred compensation plan assets	11,122	11,769
Servicing rights for SBA/USDA loans	0	0
Residential mortgage servicing rights	0	0
Derivative financial instruments	0	0
Total assets	204,175	229,289
Liabilities:
Deferred compensation plan liability	11,146	11,795
Derivative financial instruments	0	0
Total liabilities	11,146	11,795
Recurring \| Level 1 \| U.S. Treasuries
Assets:
Debt securities available-for-sale	182,703	217,520
Recurring \| Level 1 \| U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	0	0
Recurring \| Level 1 \| State and political subdivisions
Assets:
Debt securities available-for-sale	0	0
Recurring \| Level 1 \| Residential MBS
Assets:
Debt securities available-for-sale	0	0
Recurring \| Level 1 \| Commercial MBS
Assets:
Debt securities available-for-sale	0	0
Recurring \| Level 1 \| Corporate bonds
Assets:
Debt securities available-for-sale	0	0
Recurring \| Level 1 \| Asset-backed securities
Assets:
Debt securities available-for-sale	0	0
Recurring \| Level 2
Assets:
Equity securities with readily available fair values	1,253	1,302
Mortgage loans held for sale	22,298	44,109
Deferred compensation plan assets	0	0
Servicing rights for SBA/USDA loans	0	0
Residential mortgage servicing rights	0	0
Derivative financial instruments	27,152	35,722
Total assets	3,825,998	4,358,042
Liabilities:
Deferred compensation plan liability	0	0
Derivative financial instruments	57,770	20,097
Total liabilities	57,770	20,097
Recurring \| Level 2 \| U.S. Treasuries
Assets:
Debt securities available-for-sale	0	0
Recurring \| Level 2 \| U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	257,182	187,032
Recurring \| Level 2 \| State and political subdivisions
Assets:
Debt securities available-for-sale	321,883	275,844
Recurring \| Level 2 \| Residential MBS
Assets:
Debt securities available-for-sale	1,870,571	2,145,134
Recurring \| Level 2 \| Commercial MBS
Assets:
Debt securities available-for-sale	733,052	873,851
Recurring \| Level 2 \| Corporate bonds
Assets:
Debt securities available-for-sale	217,669	190,771
Recurring \| Level 2 \| Asset-backed securities
Assets:
Debt securities available-for-sale	374,938	604,277
Recurring \| Level 3
Assets:
Equity securities with readily available fair values	0	0
Mortgage loans held for sale	0	0
Deferred compensation plan assets	0	0
Servicing rights for SBA/USDA loans	6,167	6,513
Residential mortgage servicing rights	35,131	25,161
Derivative financial instruments	10,199	6,758
Total assets	53,784	40,827
Liabilities:
Deferred compensation plan liability	0	0
Derivative financial instruments	10,795	5,048
Total liabilities	10,795	5,048
Recurring \| Level 3 \| U.S. Treasuries
Assets:
Debt securities available-for-sale	0	0
Recurring \| Level 3 \| U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	0	0
Recurring \| Level 3 \| State and political subdivisions
Assets:
Debt securities available-for-sale	0	0
Recurring \| Level 3 \| Residential MBS
Assets:
Debt securities available-for-sale	0	0
Recurring \| Level 3 \| Commercial MBS
Assets:
Debt securities available-for-sale	0	0
Recurring \| Level 3 \| Corporate bonds
Assets:
Debt securities available-for-sale	2,287	2,395
Recurring \| Level 3 \| Asset-backed securities
Assets:
Debt securities available-for-sale	$ 0	$ 0

Assets and Liabilities Measured at Fair Value - Reconciliation for measurements at fair value on a recurring basis using significant unobservable inputs (Details) - Recurring - Level 3 - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Derivative Assets
Assets:
Beginning balance	$ 7,902	$ 8,308	$ 6,758	$ 10,779
Additions	0	0	0	175
Transfers from Level 3			(290)	0
Sales and settlements	0	0	0	0
Fair value adjustments included in OCI	0	0	0	0
Fair value adjustments included in earnings	2,297	(1,419)	3,731	(4,065)
Ending balance	10,199	6,889	10,199	6,889
SBA/USDA loan servicing rights
Assets:
Beginning balance	6,962	6,226	6,513	6,462
Additions	800	610	1,388	839
Transfers from Level 3			0	0
Sales and settlements	(408)	(453)	(637)	(644)
Fair value adjustments included in OCI	0	0	0	0
Fair value adjustments included in earnings	(1,187)	(268)	(1,097)	(542)
Ending balance	6,167	6,115	6,167	6,115
Residential mortgage servicing rights
Assets:
Beginning balance	32,641	20,728	25,161	16,216
Additions	1,723	3,792	3,890	6,993
Transfers from Level 3			0	0
Sales and settlements	(638)	(1,426)	(1,314)	(2,555)
Fair value adjustments included in OCI	0	0	0	0
Fair value adjustments included in earnings	1,405	(1,526)	7,394	914
Ending balance	35,131	21,568	35,131	21,568
Corporate Bonds
Assets:
Beginning balance	2,332	1,750	2,395	1,750
Additions	0	0	0	0
Transfers from Level 3			0	0
Sales and settlements	0	0	0	0
Fair value adjustments included in OCI	(45)	(43)	(108)	(43)
Fair value adjustments included in earnings	0	0	0	0
Ending balance	2,287	1,707	2,287	1,707
Derivative Liabilities
Liabilities:
Beginning balance	8,531	4,606	5,048	2,408
Additions	99	97	99	97
Transfers from Level 3			0	0
Sales and settlements	(1)	0	(1)	0
Fair value adjustments included in OCI	0	0	0	0
Fair value adjustments included in earnings	2,166	(759)	5,649	1,439
Ending balance	$ 10,795	$ 3,944	$ 10,795	$ 3,944

Assets and Liabilities Measured at Fair Value - Quantitative information about Level 3 fair value measurements for fair value on recurring basis (Details) - Recurring - Level 3	Jun. 30, 2022 security	Dec. 31, 2021 security
SBA/USDA loan servicing rights \| Discount rate \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.033	0.000
SBA/USDA loan servicing rights \| Discount rate \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.506	0.454
SBA/USDA loan servicing rights \| Discount rate \| Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.137	0.103
SBA/USDA loan servicing rights \| Prepayment rate \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.000	0.032
SBA/USDA loan servicing rights \| Prepayment rate \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.342	0.313
SBA/USDA loan servicing rights \| Prepayment rate \| Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.165	0.163
Residential mortgage servicing rights \| Discount rate \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.095	0.095
Residential mortgage servicing rights \| Discount rate \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.105	0.105
Residential mortgage servicing rights \| Discount rate \| Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.095	0.095
Residential mortgage servicing rights \| Prepayment rate \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.070	0.070
Residential mortgage servicing rights \| Prepayment rate \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.402	0.776
Residential mortgage servicing rights \| Prepayment rate \| Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.077	0.126
Corporate bonds \| Discount rate \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Corporate bonds, measurement input	0.051	0.036
Corporate bonds \| Discount rate \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Corporate bonds, measurement input	0.053	0.038
Corporate bonds \| Discount rate \| Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Corporate bonds, measurement input	0.051	0.036
Derivative assets - customer derivative positions \| Estimated loss rate \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative assets, measurement input		0.334
Derivative assets - customer derivative positions \| Estimated loss rate \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative assets, measurement input		0.440
Derivative assets - customer derivative positions \| Estimated loss rate \| Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative assets, measurement input		0.360
Derivative assets - mortgage \| Pull through rate \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative assets, measurement input	0.554	0.459
Derivative assets - mortgage \| Pull through rate \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative assets, measurement input	1	1
Derivative assets - mortgage \| Pull through rate \| Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative assets, measurement input	0.888	0.872

Assets and Liabilities Measured at Fair Value - Fair Value Option (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Mortgage Loans Held for Sale
Outstanding principal balance	$ 21,781		$ 21,781		$ 42,581
Fair value	22,298		22,298		$ 44,109
Mortgage loan gains and other related fees	$ 163	$ 521	$ (1,011)	$ (1,721)

Assets and Liabilities Measured at Fair Value - Assets and liabilities measured at fair value on nonrecurring basis (Details) - Nonrecurring - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	$ 1,240	$ 2,536
Mortgage loans held for sale	18,380
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	0	0
Mortgage loans held for sale	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	0	0
Mortgage loans held for sale	0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	1,240	$ 2,536
Mortgage loans held for sale	$ 18,380

Assets and Liabilities Measured at Fair Value - Carrying amount and fair values for other financial instruments that are not measured at fair value on recurring basis (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Assets:
HTM debt securities	$ 2,431,138	$ 1,148,804
Carrying Amount
Assets:
HTM debt securities	2,722,475	1,156,098
Loans and leases, net	14,404,305	11,657,814
Liabilities:
Deposits	20,873,083	18,241,179
Long-term debt	324,371	247,360
Fair Value
Assets:
HTM debt securities	2,431,138	1,148,804
Loans and leases, net	14,063,685	11,607,821
Liabilities:
Deposits	20,869,002	18,239,934
Long-term debt	322,102	267,064
Fair Value \| Level 1
Assets:
HTM debt securities	0	0
Loans and leases, net	0	0
Liabilities:
Deposits	0	0
Long-term debt	0	0
Fair Value \| Level 2
Assets:
HTM debt securities	2,431,138	1,148,804
Loans and leases, net	0	0
Liabilities:
Deposits	20,869,002	18,239,934
Long-term debt	0	0
Fair Value \| Level 3
Assets:
HTM debt securities	0	0
Loans and leases, net	14,063,685	11,607,821
Liabilities:
Deposits	0	0
Long-term debt	$ 322,102	$ 267,064

Assets and Liabilities Measured at Fair Value - Narrative (Details)	6 Months Ended
	Jun. 30, 2022
Fair Value Disclosures [Abstract]
Maximum remaining maturity of financial instruments having no defined maturity	180 days

Stock-Based Compensation - Narrative (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Plan vesting period	4 years
Plan exercisable period	10 years
Additional awards remaining available under plan (in shares)	2,982,380
Income tax benefit related to expense for share-based awards	$ 1,240	$ 802
Stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	0	0
Restricted stock units and performance stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation expense	$ 15,000
Recognition period for unrecognized compensation expense	2 years 6 months
Employees \| Restricted stock units and performance stock units \| Salaries and employee benefits expense
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 4,620	2,910
Directors \| Restricted stock units and performance stock units \| Other operating expense
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 238	$ 235

Equity Compensation Plans - Restricted stock units and options outstanding activity (Details) $ / shares in Units, $ in Thousands	6 Months Ended
	Jun. 30, 2022 USD ($) $ / shares shares
Options, Shares
Beginning balance, outstanding (in shares) \| shares	35,460
Granted (in shares) \| shares	48,239
Released / Exercised (in shares) \| shares	(15,765)
Cancelled (in shares) \| shares	0
Ending balance, outstanding (in shares) \| shares	67,934
Exercisable (in shares) \| shares	67,934
Options, Weighted Average Exercise Price
Beginning balance, outstanding (in dollars per share) \| $ / shares	$ 8.38
Granted (in dollars per share) \| $ / shares	20.88
Released / Exercised (in dollars per shares) \| $ / shares	20.72
Cancelled (in dollars per share) \| $ / shares	0
Ending balance, outstanding (in dollars per share) \| $ / shares	14.39
Exercisable (in dollars per share) \| $ / shares	$ 14.39
Outstanding, Weighted Average Remaining Term (in years)	3 years 2 months 12 days
Exercisable, Weighted Average Remaining Term (in years)	3 years 2 months 12 days
Released / Exercised during period, Aggregate Intrinsic Value \| $	$ 247
Outstanding, Aggregate Intrinsic Value \| $	1,074
Exercisable, Aggregate Intrinsic Value \| $	$ 1,074
Restricted Stock Units
Shares
Outstanding, beginning balance (in shares) \| shares	808,474
Granted (in shares) \| shares	154,698
Released / Exercised (in shares) \| shares	(108,441)
Cancelled (in shares) \| shares	(23,912)
Outstanding, ending balance (in shares) \| shares	830,819
Vested (in shares) \| shares	16,354
Weighted- Average Grant- Date Fair Value
Outstanding, beginning balance (in dollars per share) \| $ / shares	$ 25.15
Granted (in dollars per share) \| $ / shares	32.38
Released / Exercised (in dollars per share) \| $ / shares	25.13
Cancelled (in dollars per share) \| $ / shares	26.31
Outstanding, ending balance (in dollars per share) \| $ / shares	26.47
Vested (in dollars per share) \| $ / shares	$ 36.69
Aggregate Intrinsic Value, Released / Exercised \| $	$ 3,976
Aggregate Intrinsic Value, Outstanding \| $	$ 25,082

Reclassifications Out of AOCI (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Securities gains (losses), net	$ 46	$ 41	$ (3,688)	$ 41
Long-term debt interest expense	(4,173)	(3,813)	(8,309)	(8,070)
Salaries and employee benefits expense	(69,233)	(59,414)	(140,239)	(119,999)
Investment securities interest revenue	187,378	145,809	358,437	287,351
Income tax benefit	(19,125)	(22,005)	(31,510)	(42,155)
Other expense	(6,176)	(4,227)	(9,894)	(7,903)
Total before tax	85,967	92,265	146,371	186,121
Net income	66,842	70,260	114,861	143,966
Reclassifications out of AOCI
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net income	(1,518)	(277)	(4,494)	(578)
Reclassifications out of AOCI \| Realized gains (losses) on AFS securities:
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Securities gains (losses), net	46	41	(3,688)	41
Income tax benefit	(11)	(14)	979	(14)
Net income	35	27	(2,709)	27
Reclassifications out of AOCI \| Amortization of unrealized losses on HTM securities transferred from AFS:
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Investment securities interest revenue	(1,769)	0	(1,769)	0
Income tax benefit	422	0	422	0
Net income	(1,347)	0	(1,347)	0
Reclassifications out of AOCI \| Losses on derivative instruments accounted for as cash flow hedges:
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Long-term debt interest expense	(106)	(147)	(247)	(291)
Income tax benefit	27	37	63	74
Net income	(79)	(110)	(184)	(217)
Reclassifications out of AOCI \| Amortization of defined benefit pension plan net periodic pension cost components:
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Income tax benefit	44	67	87	134
Total before tax	(171)	(261)	(341)	(522)
Net income	(127)	(194)	(254)	(388)
Reclassifications out of AOCI \| Prior service cost
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits expense	(93)	(117)	(185)	(234)
Reclassifications out of AOCI \| Actuarial losses
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Other expense	$ (78)	$ (144)	$ (156)	$ (288)

Earnings Per Share - Computation of basic and diluted earnings per share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Computation of basic and diluted earnings per share
Net income	$ 66,842	$ 70,260	$ 114,861	$ 143,966
Dividends on preferred stock	(1,719)	(1,719)	(3,438)	(3,438)
Earnings allocated to participating securities	(362)	(432)	(596)	(894)
Net income available to common shareholders, basic	64,761	68,109	110,827	139,634
Net income available to common shareholders, diluted	$ 64,761	$ 68,109	$ 110,827	$ 139,634
Weighted average shares outstanding:
Basic (in shares)	106,610	87,289	106,580	87,306
Effect of dilutive securities:
Diluted (in shares)	106,716	87,421	106,697	87,443
Net income per common share:
Basic (in dollars per share)	$ 0.61	$ 0.78	$ 1.04	$ 1.60
Diluted (in dollars per share)	$ 0.61	$ 0.78	$ 1.04	$ 1.60
Stock options
Effect of dilutive securities:
Restricted stock units (in shares)	36	0	41	0
Restricted stock units
Effect of dilutive securities:
Restricted stock units (in shares)	70	132	76	137

Earnings Per Share - Narrative (Details) - shares	6 Months Ended
Earnings Per Share - Narrative (Details) - shares	Jun. 30, 2022	Jun. 30, 2021
Earnings Per Share [Abstract]
Potentially dilutive instruments outstanding not included in EPS analysis (in shares)	0	0

Regulatory Matters (Details) $ in Thousands	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 capital, Minimum	0.045
CET1 capital, Well-Capitalized	0.065
CET1 capital	0.1200	0.1246
Tier 1 capital, Minimum	0.060
Tier 1 capital, Well-Capitalized	0.080
Tier 1 capital	0.1257	0.1317
Total capital, Minimum	0.080
Total capital, Well-Capitalized	0.100
Total capital	0.1445	0.1465
Leverage ratio, Minimum	0.040
Leverage ratio, Well-Capitalized	0.050
Leverage ratio	0.0903	0.0875
CET1 capital	$ 2,039,434	$ 1,688,176
Tier 1 capital	2,135,857	1,784,598
Total capital	2,455,296	1,984,376
Risk-weighted assets	16,994,080	13,548,534
Average total assets for the leverage ratio	$ 23,639,913	$ 20,402,842
United Community Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 capital	0.1289	0.1287
Tier 1 capital	0.1289	0.1287
Total capital	0.1362	0.1346
Leverage ratio	0.0925	0.0853
CET1 capital	$ 2,181,665	$ 1,738,557
Tier 1 capital	2,181,665	1,738,557
Total capital	2,304,895	1,818,335
Risk-weighted assets	16,921,874	13,512,405
Average total assets for the leverage ratio	$ 23,593,745	$ 20,377,319

Commitments and Contingencies - Contractual amount of off-balance sheet instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Commitments to extend credit
Financial instruments whose contract amounts represent credit risk:
Financial instruments	$ 4,481,880	$ 3,591,975
Letters of credit
Financial instruments whose contract amounts represent credit risk:
Financial instruments	$ 50,306	$ 29,312

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Other Commitments [Line Items]
Investment in limited partnerships	$ 81,000	$ 52,700
Commitment for additional fund	7,930
United Community Banks Inc, Holding Company
Other Commitments [Line Items]
Commitment for additional fund	$ 18,900

Loans and Leases and Allowance for Credit Losses - Loans by aging category and accrual status (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Total loans	$ 14,541,230	$ 11,760,346
Loans receivable
Financing Receivable, Past Due [Line Items]
Total loans	14,541,230	11,760,346
Nonaccrual Loans	33,143	32,812
Loans receivable \| Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	14,493,011	11,720,062
Loans receivable \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	13,028	5,750
Loans receivable \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	2,045	1,722
Loans receivable \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	3	0
Loans receivable \| Commercial
Financing Receivable, Past Due [Line Items]
Total loans	10,932,129	8,930,556
Nonaccrual Loans	16,955	17,815
Loans receivable \| Commercial \| Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	10,908,705	8,909,189
Loans receivable \| Commercial \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	5,221	2,172
Loans receivable \| Commercial \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	1,248	1,380
Loans receivable \| Commercial \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable \| Commercial \| Owner occupied commercial real estate
Financing Receivable, Past Due [Line Items]
Total loans	2,681,022	2,321,685
Nonaccrual Loans	1,876	2,714
Loans receivable \| Commercial \| Owner occupied commercial real estate \| Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	2,676,851	2,318,944
Loans receivable \| Commercial \| Owner occupied commercial real estate \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	2,238	27
Loans receivable \| Commercial \| Owner occupied commercial real estate \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	57	0
Loans receivable \| Commercial \| Owner occupied commercial real estate \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable \| Commercial \| Income producing commercial real estate
Financing Receivable, Past Due [Line Items]
Total loans	3,273,527	2,600,858
Nonaccrual Loans	7,074	7,588
Loans receivable \| Commercial \| Income producing commercial real estate \| Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	3,265,713	2,593,124
Loans receivable \| Commercial \| Income producing commercial real estate \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	601	146
Loans receivable \| Commercial \| Income producing commercial real estate \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	139	0
Loans receivable \| Commercial \| Income producing commercial real estate \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable \| Commercial \| Commercial & industrial
Financing Receivable, Past Due [Line Items]
Total loans	2,252,919	1,910,162
Nonaccrual Loans	4,548	5,429
Loans receivable \| Commercial \| Commercial & industrial \| Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	2,247,664	1,903,730
Loans receivable \| Commercial \| Commercial & industrial \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	555	584
Loans receivable \| Commercial \| Commercial & industrial \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	152	419
Loans receivable \| Commercial \| Commercial & industrial \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable \| Commercial \| Construction
Financing Receivable, Past Due [Line Items]
Total loans	1,513,819	1,014,830
Nonaccrual Loans	208	343
Loans receivable \| Commercial \| Construction \| Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	1,513,322	1,014,211
Loans receivable \| Commercial \| Construction \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	289	0
Loans receivable \| Commercial \| Construction \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	276
Loans receivable \| Commercial \| Construction \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable \| Commercial \| Equipment financing
Financing Receivable, Past Due [Line Items]
Total loans	1,210,842	1,083,021
Nonaccrual Loans	3,249	1,741
Loans receivable \| Commercial \| Equipment financing \| Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	1,205,155	1,079,180
Loans receivable \| Commercial \| Equipment financing \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	1,538	1,415
Loans receivable \| Commercial \| Equipment financing \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	900	685
Loans receivable \| Commercial \| Equipment financing \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable \| Residential \| Residential mortgage
Financing Receivable, Past Due [Line Items]
Total loans	1,996,902	1,637,885
Nonaccrual Loans	12,228	13,313
Loans receivable \| Residential \| Residential mortgage \| Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	1,982,053	1,622,754
Loans receivable \| Residential \| Residential mortgage \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	2,528	1,583
Loans receivable \| Residential \| Residential mortgage \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	93	235
Loans receivable \| Residential \| Residential mortgage \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable \| Residential \| HELOC
Financing Receivable, Past Due [Line Items]
Total loans	801,069	694,034
Nonaccrual Loans	933	1,212
Loans receivable \| Residential \| HELOC \| Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	798,639	691,814
Loans receivable \| Residential \| HELOC \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	1,089	920
Loans receivable \| Residential \| HELOC \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	408	88
Loans receivable \| Residential \| HELOC \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable \| Residential \| Construction
Financing Receivable, Past Due [Line Items]
Total loans	381,545	359,815
Nonaccrual Loans	198	420
Loans receivable \| Residential \| Construction \| Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	380,872	358,741
Loans receivable \| Residential \| Construction \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	475	654
Loans receivable \| Residential \| Construction \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable \| Residential \| Construction \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Loans receivable \| Residential \| Manufactured housing
Financing Receivable, Past Due [Line Items]
Total loans	286,557	0
Nonaccrual Loans	2,804	0
Loans receivable \| Residential \| Manufactured housing \| Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	280,158
Loans receivable \| Residential \| Manufactured housing \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	3,358
Loans receivable \| Residential \| Manufactured housing \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	237
Loans receivable \| Residential \| Manufactured housing \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	0
Loans receivable \| Consumer
Financing Receivable, Past Due [Line Items]
Total loans	143,028	138,056
Nonaccrual Loans	25	52
Loans receivable \| Consumer \| Current Loans
Financing Receivable, Past Due [Line Items]
Total loans	142,584	137,564
Loans receivable \| Consumer \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Total loans	357	421
Loans receivable \| Consumer \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Total loans	59	19
Loans receivable \| Consumer \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total loans	$ 3	$ 0

Loans and Leases and Allowance for Credit Losses - Loans modified under terms of TDR (Details) - Loans receivable $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022 USD ($) contract	Jun. 30, 2021 USD ($) contract	Jun. 30, 2022 USD ($) contract	Jun. 30, 2021 USD ($) contract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts \| contract	17	17	40	51
Post-Modification Amortized Cost by Type of Modification	$ 4,143	$ 1,934	$ 7,185	$ 5,870
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Number of Contracts \| contract	5	6	10	13
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Amortized Cost	$ 357	$ 187	$ 464	$ 673
Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	0	0
Structure
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	4,143	1,556	7,179	4,070
Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 378	$ 6	$ 1,800
Commercial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts \| contract	13	12	29	45
Post-Modification Amortized Cost by Type of Modification	$ 3,570	$ 1,612	$ 5,364	$ 5,479
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Number of Contracts \| contract	4	5	9	9
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Amortized Cost	$ 301	$ 138	$ 408	$ 211
Commercial \| Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	0	0
Commercial \| Structure
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	3,570	1,234	5,364	3,679
Commercial \| Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 378	$ 0	$ 1,800
Commercial \| Owner occupied commercial real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts \| contract	1	1	1	1
Post-Modification Amortized Cost by Type of Modification	$ 112	$ 543	$ 112	$ 543
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Number of Contracts \| contract	0	0	0	0
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Amortized Cost	$ 0	$ 0	$ 0	$ 0
Commercial \| Owner occupied commercial real estate \| Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	0	0
Commercial \| Owner occupied commercial real estate \| Structure
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	112	543	112	543
Commercial \| Owner occupied commercial real estate \| Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 0	$ 0	$ 0
Commercial \| Income producing commercial real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts \| contract	0	1	0	3
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 378	$ 0	$ 1,697
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Number of Contracts \| contract	0	0	0	0
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Amortized Cost	$ 0	$ 0	$ 0	$ 0
Commercial \| Income producing commercial real estate \| Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	0	0
Commercial \| Income producing commercial real estate \| Structure
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	0	0
Commercial \| Income producing commercial real estate \| Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 378	$ 0	$ 1,697
Commercial \| Commercial & industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts \| contract	1	2	1	4
Post-Modification Amortized Cost by Type of Modification	$ 403	$ 365	$ 403	$ 468
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Number of Contracts \| contract	0	0	0	1
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Amortized Cost	$ 0	$ 0	$ 0	$ 11
Commercial \| Commercial & industrial \| Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	0	0
Commercial \| Commercial & industrial \| Structure
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	403	365	403	365
Commercial \| Commercial & industrial \| Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 0	$ 0	$ 103
Commercial \| Construction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts \| contract	0	0	0	1
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 0	$ 0	$ 309
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Number of Contracts \| contract	0	0	0	0
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Amortized Cost	$ 0	$ 0	$ 0	$ 0
Commercial \| Construction \| Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	0	0
Commercial \| Construction \| Structure
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	0	309
Commercial \| Construction \| Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 0	$ 0	$ 0
Commercial \| Equipment financing
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts \| contract	11	8	27	36
Post-Modification Amortized Cost by Type of Modification	$ 3,055	$ 326	$ 4,849	$ 2,462
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Number of Contracts \| contract	4	5	9	8
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Amortized Cost	$ 301	$ 138	$ 408	$ 200
Commercial \| Equipment financing \| Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	0	0
Commercial \| Equipment financing \| Structure
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	3,055	326	4,849	2,462
Commercial \| Equipment financing \| Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 0	$ 0	$ 0
Residential \| Residential mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts \| contract	4	5	4	6
Post-Modification Amortized Cost by Type of Modification	$ 573	$ 322	$ 573	$ 391
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Number of Contracts \| contract	1	0	1	3
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Amortized Cost	$ 56	$ 0	$ 56	$ 413
Residential \| Residential mortgage \| Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	0	0
Residential \| Residential mortgage \| Structure
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	573	322	573	391
Residential \| Residential mortgage \| Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 0	$ 0	$ 0
Residential \| HELOC
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts \| contract	0	0	7	0
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 0	$ 1,248	$ 0
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Number of Contracts \| contract	0	1	0	1
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Amortized Cost	$ 0	$ 49	$ 0	$ 49
Residential \| HELOC \| Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	0	0
Residential \| HELOC \| Structure
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	1,242	0
Residential \| HELOC \| Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 0	$ 6	$ 0
Residential \| Construction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts \| contract	0	0	0	0
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 0	$ 0	$ 0
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Number of Contracts \| contract	0	0	0	0
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Amortized Cost	$ 0	$ 0	$ 0	$ 0
Residential \| Construction \| Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	0	0
Residential \| Construction \| Structure
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	0	0
Residential \| Construction \| Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 0	$ 0	$ 0
Residential \| Manufactured housing
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts \| contract	0		0
Post-Modification Amortized Cost by Type of Modification	$ 0		$ 0
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Number of Contracts \| contract	0		0
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Amortized Cost	$ 0		$ 0
Residential \| Manufactured housing \| Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0		0
Residential \| Manufactured housing \| Structure
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0		0
Residential \| Manufactured housing \| Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 0		$ 0
Consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts \| contract	0	0	0	0
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 0	$ 0	$ 0
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Number of Contracts \| contract	0	0	0	0
TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted, Amortized Cost	$ 0	$ 0	$ 0	$ 0
Consumer \| Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	0	0
Consumer \| Structure
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	0	0	0	0
Consumer \| Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-Modification Amortized Cost by Type of Modification	$ 0	$ 0	$ 0	$ 0