XML 47 R29.htm IDEA: XBRL DOCUMENT v3.25.2

Loans Receivable and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2025

Loans and Leases Receivable Disclosure [Abstract]

Schedule of Composition of Loans Held-For-Investment

The following table presents the composition of the Company’s loans held-for-investment outstanding as of June 30, 2025 and December 31, 2024:

($ in thousands)						June 30, 2025						December 31, 2024
Commercial:
C&I						$	17,822,881					$	17,397,158
CRE:
CRE						14,978,775						14,655,340
Multifamily residential						4,978,915						4,953,442
Construction and land						709,713						666,162
Total CRE						20,667,403						20,274,944
Total commercial						38,490,284						37,672,102
Consumer:
Residential mortgage:
Single-family residential						14,569,997						14,175,446
Home equity lines of credit (“HELOCs”)						1,850,965						1,811,628
Total residential mortgage						16,420,962						15,987,074
Other consumer						49,938						67,461
Total consumer						16,470,900						16,054,535
Total loans held-for-investment (1)						$	54,961,184					$	53,726,637
Allowance for loan losses						(760,416)						(702,052)
Loans held-for-investment, net (1)						$	54,200,768					$	53,024,585

(1)Includes $74 million and $46 million of net deferred loan fees and net unamortized premiums as of June 30, 2025 and December 31, 2024, respectively.

Schedule of Loans Held-For-Investment by Loan Portfolio Segments, Internal Risk Ratings, Gross Write-Offs and Vintage Year

The following tables summarize the Company’s loans held-for-investment and year-to-date gross write-offs by loan portfolio segments, internal risk ratings and vintage year as of the periods presented. The vintage year is the year of loan origination, renewal or major modification. Gross write-offs in the following tables are for the six months ended June 30, 2025, and year ended December 31, 2024. Revolving loans that are converted to term loans presented in the tables below are excluded from the term loans by vintage year columns.

						June 30, 2025
						Term Loans by Origination Year
($ in thousands)						2025						2024						2023						2022						2021						Prior						Revolving Loans						Revolving Loans Converted to Term Loans (1)						Total
Commercial:
C&I:
Pass						$	1,344,664					$	2,304,371					$	1,135,391					$	814,316					$	540,556					$	462,424					$	10,819,790					$	36,328					$	17,457,840
Criticized (accrual)						9						20,283						32,986						41,686						62,727						23,991						111,465						—						293,147
Criticized (nonaccrual)						3,197						236						26,920						7,018						12,526						21,959						38						—						71,894
Total C&I						1,347,870						2,324,890						1,195,297						863,020						615,809						508,374						10,931,293						36,328						17,822,881
Gross write-offs (2)						—						132						40						3,153						—						2,599						—						—						5,924
CRE:
Pass						1,100,578						1,592,742						2,161,155						3,462,580						1,844,573						4,020,815						101,768						48,119						14,332,330
Criticized (accrual)						28,712						37,927						103,691						160,291						75,066						231,665						—						—						637,352
Criticized (nonaccrual)						4,018						—						—						—						836						4,239						—						—						9,093
Subtotal CRE						1,133,308						1,630,669						2,264,846						3,622,871						1,920,475						4,256,719						101,768						48,119						14,978,775
Gross write-offs (2)						8,232						—						—						—						19						13,992						—						—						22,243
Multifamily residential:
Pass						352,254						353,528						495,975						1,244,339						705,084						1,743,054						25,587						1,239						4,921,060
Criticized (accrual)						—						—						—						49,009						—						8,519						—						—						57,528
Criticized (nonaccrual)						—						—						—						—						—						327						—						—						327
Subtotal multifamily residential						352,254						353,528						495,975						1,293,348						705,084						1,751,900						25,587						1,239						4,978,915
Gross write-offs						—						—						—						—						—						7						—						—						7
Construction and land:
Pass						70,411						104,486						318,330						158,498						21,091						3,471						8,022						—						684,309
Criticized (accrual)						—						8,897						—						16,507						—						—						—						—						25,404
Subtotal construction and land						70,411						113,383						318,330						175,005						21,091						3,471						8,022						—						709,713
Total CRE						1,555,973						2,097,580						3,079,151						5,091,224						2,646,650						6,012,090						135,377						49,358						20,667,403
Total CRE gross write-offs (2)						8,232						—						—						—						19						13,999						—						—						22,250
Total commercial						$	2,903,843					$	4,422,470					$	4,274,448					$	5,954,244					$	3,262,459					$	6,520,464					$	11,066,670					$	85,686					$	38,490,284
Total commercial gross write-offs (2)						$	8,232					$	132					$	40					$	3,153					$	19					$	16,598					$	—					$	—					$	28,174

						June 30, 2025
						Term Loans by Origination Year
($ in thousands)						2025						2024						2023						2022						2021						Prior						Revolving Loans						Revolving Loans Converted to Term Loans (1)						Total
Consumer:
Residential mortgage:
Single-family residential:
Pass (3)						$	1,401,612					$	2,098,791					$	2,563,776					$	2,943,381					$	1,982,084					$	3,523,057					$	—					$	—					$	14,512,701
Criticized (accrual)						1,490						1,466						3,963						8,417						2,215						7,494						—						—						25,045
Criticized (nonaccrual) (3)						843						4,655						10,275						1,160						1,009						14,309						—						—						32,251
Subtotal single-family residential mortgage						1,403,945						2,104,912						2,578,014						2,952,958						1,985,308						3,544,860						—						—						14,569,997
Gross write-offs (2)						—						9						—						—						—						—						—						—						9
HELOCs:
Pass						4,433						6,438						3,496						8,277						7,538						19,853						1,687,628						82,589						1,820,252
Criticized (accrual)						—						2,019						501						97						503						2,001						448						388						5,957
Criticized (nonaccrual)						517						2,273						712						3,183						2,187						10,232						—						5,652						24,756
Subtotal HELOCs						4,950						10,730						4,709						11,557						10,228						32,086						1,688,076						88,629						1,850,965
Total residential mortgage						1,408,895						2,115,642						2,582,723						2,964,515						1,995,536						3,576,946						1,688,076						88,629						16,420,962
Total residential mortgage gross write-offs (2)						—						9						—						—						—						—						—						—						9
Other consumer:
Pass						4,052						79						—						23,527						130						6,793						15,219						—						49,800
Criticized (accrual)						1						—						—						—						—						—						—						—						1
Criticized (nonaccrual)						1						—						49						—						—						—						87						—						137
Total other consumer						4,054						79						49						23,527						130						6,793						15,306						—						49,938
Total consumer						$	1,412,949					$	2,115,721					$	2,582,772					$	2,988,042					$	1,995,666					$	3,583,739					$	1,703,382					$	88,629					$	16,470,900
Total consumer gross write-offs (2)						$	—					$	9					$	—					$	—					$	—					$	—					$	—					$	—					$	9
Total loans held-for-investment:
Pass						$	4,278,004					$	6,460,435					$	6,678,123					$	8,654,918					$	5,101,056					$	9,779,467					$	12,658,014					$	168,275					$	53,778,292
Criticized (accrual)						30,212						70,592						141,141						276,007						140,511						273,670						111,913						388						1,044,434
Criticized (nonaccrual)						8,576						7,164						37,956						11,361						16,558						51,066						125						5,652						138,458
Total						$	4,316,792					$	6,538,191					$	6,857,220					$	8,942,286					$	5,258,125					$	10,104,203					$	12,770,052					$	174,315					$	54,961,184
Total loans held-for-investment gross write-offs (2)						$	8,232					$	141					$	40					$	3,153					$	19					$	16,598					$	—					$	—					$	28,183

						December 31, 2024
						Term Loans by Origination Year
($ in thousands)						2024						2023						2022						2021						2020						Prior						Revolving Loans						Revolving Loans Converted to Term Loans (1)						Total
Commercial:
C&I:
Pass						$	2,605,928					$	1,508,948					$	999,586					$	612,015					$	243,528					$	295,884					$	10,574,404					$	23,032					$	16,863,325
Criticized (accrual)						34,412						51,415						61,041						107,355						10,538						31,160						151,747						—						447,668
Criticized (nonaccrual)						3,822						29,181						20,273						10,666						3,225						9,135						9,863						—						86,165
Total C&I						2,644,162						1,589,544						1,080,900						730,036						257,291						336,179						10,736,014						23,032						17,397,158
Gross write-offs (2)						20						47,963						14,848						11,119						1,568						3,012						27,099						—						105,629
CRE:
Pass						1,660,877						2,296,763						3,692,498						1,925,220						1,296,439						3,176,450						96,791						49,302						14,194,340
Criticized (accrual)						34,543						44,557						90,105						31,615						75,578						167,401						—						14,771						458,570
Criticized (nonaccrual)						—						—						—						—						1,756						674						—						—						2,430
Subtotal CRE						1,695,420						2,341,320						3,782,603						1,956,835						1,373,773						3,344,525						96,791						64,073						14,655,340
Gross write-offs (2)						—						—						—						—						—						3						—						—						3
Multifamily residential:
Pass						386,743						521,754						1,337,599						752,230						613,115						1,242,586						14,640						1,253						4,869,920
Criticized (accrual)						—						—						43,997						32,042						—						2,911						—						—						78,950
Criticized (nonaccrual)						—						—						—						—						—						4,572						—						—						4,572
Subtotal multifamily residential						386,743						521,754						1,381,596						784,272						613,115						1,250,069						14,640						1,253						4,953,442
Gross write-offs						—						—						—						—						—						10						—						—						10
Construction and land:
Pass						90,926						328,803						184,792						41,932						—						8,393						—						—						654,846
Criticized (nonaccrual)						—						—						11,316						—						—						—						—						—						11,316
Subtotal construction and land						90,926						328,803						196,108						41,932						—						8,393						—						—						666,162
Gross write-offs						—						—						2,289						—						—						—						—						—						2,289
Total CRE						2,173,089						3,191,877						5,360,307						2,783,039						1,986,888						4,602,987						111,431						65,326						20,274,944
Total CRE gross write-offs (2)						—						—						2,289						—						—						13						—						—						2,302
Total commercial						$	4,817,251					$	4,781,421					$	6,441,207					$	3,513,075					$	2,244,179					$	4,939,166					$	10,847,445					$	88,358					$	37,672,102
Total commercial gross write-offs (2)						$	20					$	47,963					$	17,137					$	11,119					$	1,568					$	3,025					$	27,099					$	—					$	107,931

						December 31, 2024
						Term Loans by Origination Year
($ in thousands)						2024						2023						2022						2021						2020						Prior						Revolving Loans						Revolving Loans Converted to Term Loans (1)						Total
Consumer:
Residential mortgage:
Single-family residential:
Pass (3)						$	2,360,674					$	2,762,921					$	3,074,668					$	2,079,323					$	1,407,031					$	2,437,446					$	—					$	—					$	14,122,063
Criticized (accrual)						4,175						3,409						750						5,810						1,548						6,069						—						—						21,761
Criticized (nonaccrual) (3)						2,716						9,673						1,929						2,035						2,404						12,865						—						—						31,622
Subtotal single-family residential mortgage						2,367,565						2,776,003						3,077,347						2,087,168						1,410,983						2,456,380						—						—						14,175,446
Gross write-offs (2)						9						—						—						—						—						—						—						—						9
HELOCs:
Pass						7,453						3,288						4,071						3,236						7,570						8,152						1,648,337						99,488						1,781,595
Criticized (accrual)						1,436						—						1,420						—						135						2,064						2,338						594						7,987
Criticized (nonaccrual)						3,161						3,095						2,520						39						418						7,301						—						5,512						22,046
Subtotal HELOCs						12,050						6,383						8,011						3,275						8,123						17,517						1,650,675						105,594						1,811,628
Gross write-offs						—						10						—						—						—						—						—						5						15
Total residential mortgage						2,379,615						2,782,386						3,085,358						2,090,443						1,419,106						2,473,897						1,650,675						105,594						15,987,074
Total residential mortgage gross write-offs (2)						9						10						—						—						—						—						—						5						24
Other consumer:
Pass						14,916						—						22,992						132						—						6,800						22,555						—						67,395
Criticized (nonaccrual)						—						—						—						—						—						—						66						—						66
Total other consumer						14,916						—						22,992						132						—						6,800						22,621						—						67,461
Gross write-offs (2)						—						3,000						—						—						—						—						890						—						3,890
Total consumer						$	2,394,531					$	2,782,386					$	3,108,350					$	2,090,575					$	1,419,106					$	2,480,697					$	1,673,296					$	105,594					$	16,054,535
Total consumer gross write-offs (2)						$	9					$	3,010					$	—					$	—					$	—					$	—					$	890					$	5					$	3,914
Total loans held-for-investment:
Pass						$	7,127,517					$	7,422,477					$	9,316,206					$	5,414,088					$	3,567,683					$	7,175,711					$	12,356,727					$	173,075					$	52,553,484
Criticized (accrual)						74,566						99,381						197,313						176,822						87,799						209,605						154,085						15,365						1,014,936
Criticized (nonaccrual)						9,699						41,949						36,038						12,740						7,803						34,547						9,929						5,512						158,217
Total						$	7,211,782					$	7,563,807					$	9,549,557					$	5,603,650					$	3,663,285					$	7,419,863					$	12,520,741					$	193,952					$	53,726,637
Total loans held-for-investment gross write-offs (2)						$	29					$	50,973					$	17,137					$	11,119					$	1,568					$	3,025					$	27,989					$	5					$	111,845

(1)There were no loans that were converted to term loans during the three months ended June 30, 2025. $16 million of total commercial loans, comprised of C&I revolving loans, were converted to term loans during the six months ended June 30, 2025. In comparison, $1 million and $8 million of total commercial loans, comprised of C&I and CRE revolving loans, converted to term loans during the three and six months ended June 30, 2024, respectively.

(2)Excludes gross write-offs associated with loans the Company sold or settled.

(3)$1 million of nonaccrual loans whose payments were guaranteed by the Federal Housing Administration were classified with a “Pass” rating as of both June 30, 2025 and December 31, 2024.

Schedule of Aging Analysis of Loans

The following tables present the aging analysis of loans held-for-investment as of June 30, 2025 and December 31, 2024:

						June 30, 2025
($ in thousands)						Current Accruing Loans						Accruing Loans 30-59 Days Past Due						Accruing Loans 60-89 Days Past Due																		Total Accruing Past Due Loans																		Total Nonaccrual Loans						Total Loans
Commercial:
C&I						$	17,737,893					$	5,711					$	7,383																	$	13,094																	$	71,894					$	17,822,881
CRE:
CRE						14,938,724						15,500						15,458																		30,958																		9,093						14,978,775
Multifamily residential						4,977,011						621						956																		1,577																		327						4,978,915
Construction and land						700,816						—						8,897																		8,897																		—						709,713
Total CRE						20,616,551						16,121						25,311																		41,432																		9,420						20,667,403
Total commercial						38,354,444						21,832						32,694																		54,526																		81,314						38,490,284
Consumer:
Residential mortgage:
Single-family residential						14,459,445						52,101						25,204																		77,305																		33,247						14,569,997
HELOCs						1,806,711						14,821						4,677																		19,498																		24,756						1,850,965
Total residential mortgage						16,266,156						66,922						29,881																		96,803																		58,003						16,420,962
Other consumer						49,679						53						69																		122																		137						49,938
Total consumer						16,315,835						66,975						29,950																		96,925																		58,140						16,470,900
Total						$	54,670,279					$	88,807					$	62,644																	$	151,451																	$	139,454					$	54,961,184

						December 31, 2024
($ in thousands)						Current Accruing Loans						Accruing Loans 30-59 Days Past Due						Accruing Loans 60-89 Days Past Due												Total Accruing Past Due Loans																		Total Nonaccrual Loans						Total Loans
Commercial:
C&I						$	17,288,138					$	5,690					$	17,165											$	22,855																	$	86,165					$	17,397,158
CRE:
CRE						14,647,270						3,755						1,885												5,640																		2,430						14,655,340
Multifamily residential						4,947,939						653						278												931																		4,572						4,953,442
Construction and land						653,919						927						—												927																		11,316						666,162
Total CRE						20,249,128						5,335						2,163												7,498																		18,318						20,274,944
Total commercial						37,537,266						11,025						19,328												30,353																		104,483						37,672,102
Consumer:
Residential mortgage:
Single-family residential						14,088,086						32,841						22,096												54,937																		32,423						14,175,446
HELOCs						1,770,218						11,396						7,968												19,364																		22,046						1,811,628
Total residential mortgage						15,858,304						44,237						30,064												74,301																		54,469						15,987,074
Other consumer						67,288						92						15												107																		66						67,461
Total consumer						15,925,592						44,329						30,079												74,408																		54,535						16,054,535
Total						$	53,462,858					$	55,354					$	49,407											$	104,761																	$	159,018					$	53,726,637

Schedule of Amortized Cost of Loans on Nonaccrual Status With No Related Allowance for Loan Losses

The following table presents the amortized cost of loans on nonaccrual status for which there was no related allowance for loan losses as of both June 30, 2025 and December 31, 2024. Nonaccrual loans may not have an allowance for credit losses if the loan balances are well secured by collateral values and there is no loss expectation.

($ in thousands)									June 30, 2025									December 31, 2024
Commercial:
C&I									$	35,707								$	79,591
CRE									7,866									—
Multifamily residential									—									4,210
Construction and land									—									11,316
Total commercial									43,573									95,117
Consumer:
Single-family residential									7,652									6,279
HELOCs									7,248									15,380
Total consumer									14,900									21,659
Total nonaccrual loans with no related allowance for loan losses									$	58,473								$	116,776

Schedule of Modified Loans

The following tables present the amortized cost of loans that were modified during the three and six months ended June 30, 2025 and 2024 by loan class and modification type:

						Three Months Ended June 30, 2025
						Modification Type
($ in thousands)						Interest Rate Reduction						Term Extension						Payment Delay						Combination: Term Extension/ Payment Delay						Combination: Rate Reduction/ Payment Delay						Combination: Rate Reduction/ Term Extension/ Payment Delay												Total						Modification as a % of Loan Class
Commercial:
C&I						$	6,058					$	74,767					$	2,974					$	6,966					$	19,574					$	—											$	110,339					0.62		%
CRE						—						152,298						—						—						—						—												152,298						0.74		%
Total commercial						6,058						227,065						2,974						6,966						19,574						—												262,637						0.68		%
Consumer:
Single-family residential						—						—						6,632						207						—						—												6,839						0.05		%
HELOCs						—						—						3,943						—						426						421												4,790						0.26		%
Total consumer						—						—						10,575						207						426						421												11,629						0.07		%
Total						$	6,058					$	227,065					$	13,549					$	7,173					$	20,000					$	421											$	274,266					0.50		%

												Three Months Ended June 30, 2024
												Modification Type
($ in thousands)												Term Extension						Payment Delay						Combination: Term Extension/ Payment Delay																		Combination: Rate Reduction/ Payment Delay						Total						Modification as a % of Loan Class
Commercial:
C&I												$	11,901					$	5,658					$	2,951																	$	—					$	20,510					0.12		%
CRE												—						—						—																		11,020						11,020						0.05		%
Total commercial												11,901						5,658						2,951																		11,020						31,530						0.08		%
Consumer:
Single-family residential												—						4,791						—																		—						4,791						0.03		%
HELOCs												—						2,053						—																		—						2,053						0.12		%
Other consumer												3,000						—						—																		—						3,000						5.34		%
Total consumer												3,000						6,844						—																		—						9,844						0.06		%
Total												$	14,901					$	12,502					$	2,951																	$	11,020					$	41,374					0.08		%

						Six Months Ended June 30, 2025
						Modification Type
($ in thousands)						Interest Rate Reduction						Term Extension						Payment Delay						Combination: Term Extension/ Payment Delay						Combination: Rate Reduction/ Payment Delay						Combination: Rate Reduction/ Term Extension/ Payment Delay												Total						Modification as a % of Loan Class
Commercial:
C&I						$	6,058					$	76,231					$	2,974					$	29,167					$	19,574					$	—											$	134,004					0.75		%
CRE						—						170,527						—						—						—						—												170,527						0.83		%
Total commercial						6,058						246,758						2,974						29,167						19,574						—												304,531						0.79		%
Consumer:
Residential mortgage:
Single-family residential						—						—						10,699						295						—						—												10,994						0.08		%
HELOCs						—						—						4,918						906						426						421												6,671						0.36		%
Total consumer						—						—						15,617						1,201						426						421												17,665						0.11		%
Total						$	6,058					$	246,758					$	18,591					$	30,368					$	20,000					$	421											$	322,196					0.59		%

												Six Months Ended June 30, 2024
												Modification Type
($ in thousands)												Term Extension						Payment Delay						Combination: Term Extension/ Payment Delay												Combination: Rate Reduction/ Payment Delay												Total						Modification as a % of Loan Class
Commercial:
C&I												$	15,601					$	25,886					$	2,951											$	—											$	44,438					0.26		%
CRE												24,321						—						—												30,570												54,891						0.27		%
Total commercial												39,922						25,886						2,951												30,570												99,329						0.27		%
Consumer:
Single-family residential												—						8,528						—												—												8,528						0.06		%
HELOCs												—						6,881						—												517												7,398						0.42		%
Other consumer												3,000						—						—												—												3,000						5.34		%
Total consumer												3,000						15,409						—												517												18,926						0.12		%
Total												$	42,922					$	41,295					$	2,951											$	31,087											$	118,255					0.22		%

The following table presents the financial effects of the loan modifications for the three and six months ended June 30, 2025 and 2024 by loan class and modification type:

												Financial Effects of Loan Modifications for the Three Months Ended June 30,
												2025																								2024
($ in thousands)												Weighted-Average Interest Rate Reduction						Weighted-Average Term Extension (in years)						Weighted-Average Payment Delay (in years)												Weighted-Average Interest Rate Reduction						Weighted-Average Term Extension (in years)						Weighted-Average Payment Delay (in years)
Commercial:
C&I												3.38		%				0.9						0.7												—		%				2.0						2.0
CRE												—		%				2.8						0.0												2.50		%				0.0						1.2
Consumer:
Single-family residential												—		%				10.0						1.9												—		%				0.0						0.8
HELOCs												0.50		%				10.0						5.1												—		%				0.0						0.7
Other consumer												—		%				0.0						0.0												—		%				0.8						0.0

												Financial Effects of Loan Modifications for the Six Months Ended June 30,
												2025																								2024
($ in thousands)												Weighted-Average Interest Rate Reduction						Weighted-Average Term Extension (in years)						Weighted-Average Payment Delay (in years)												Weighted-Average Interest Rate Reduction						Weighted-Average Term Extension (in years)						Weighted-Average Payment Delay (in years)
Commercial:
C&I												3.38		%				1.0						0.8												—		%				2.0						1.5
CRE												—		%				3.0						0.0												2.66		%				1.5						1.0
Consumer:
Single-family residential												—		%				10.0						1.5												—		%				0.0						0.8
HELOCs												0.50		%				15.2						8.0												0.25		%				0.0						2.8
Other consumer												—		%				0.0						0.0												—		%				0.8						0.0

Schedule of Financing Receivable, Modified, Subsequent Default

The following tables present the amortized cost basis of modified loans that, within 12 months of the modification date, experienced a subsequent default during the three and six months ended June 30, 2025 and 2024.

																		Loans Modified Subsequently Defaulted During the Three Months Ended June 30, 2025
($ in thousands)																		Term Extension						Payment Delay						Combination: Term Extension/ Payment Delay																		Total
Commercial:
C&I																		$	—					$	2,974					$	—																	$	2,974
CRE																		30,890						—						—																		30,890
Total commercial																		30,890						2,974						—																		33,864
Consumer:
Single-family residential																		—						830						—																		830
HELOCs																		—						3,509						286																		3,795
Total consumer																		—						4,339						286																		4,625
Total																		$	30,890					$	7,313					$	286																	$	38,489

																		Loans Modified Subsequently Defaulted During the Three Months Ended June 30, 2024
($ in thousands)																		Term Extension						Payment Delay						Combination: Rate Reduction/ Payment Delay						Combination: Term Extension/ Payment Delay												Total
Commercial:
C&I																		$	—					$	5,658					$	—					$	—											$	5,658
Total commercial																		—						5,658						—						—												5,658
Consumer:
Single-family residential																		—						3,613						—						2,438												6,051
HELOCs																		—						941						1,149						—												2,090
Total consumer																		—						4,554						1,149						2,438												8,141
Total																		$	—					$	10,212					$	1,149					$	2,438											$	13,799

																		Loans Modified Subsequently Defaulted During the Six Months Ended June 30, 2025
($ in thousands)																		Term Extension						Payment Delay						Combination: Rate Reduction/ Payment Delay						Combination: Term Extension/ Payment Delay												Total
Commercial:
C&I																		$	—					$	4,487					$	—					$	—											$	4,487
CRE																		53,462						—						—						—												53,462
Total commercial																		53,462						4,487						—						—												57,949
Consumer:
Single-family residential																		—						3,060						—						207												3,267
HELOCs																		—						5,541						—						286												5,827
Total consumer																		—						8,601						—						493												9,094
Total																		$	53,462					$	13,088					$	—					$	493											$	67,043

																		Loans Modified Subsequently Defaulted During the Six Months Ended June 30, 2024
($ in thousands)																		Term Extension						Payment Delay						Combination: Rate Reduction/ Payment Delay						Combination: Term Extension/ Payment Delay												Total
Commercial:
C&I																		$	7,829					$	5,658					$	—					$	—											$	13,487
Total commercial																		7,829						5,658						—						—												13,487
Consumer:
Single-family residential																		—						7,575						—						2,823												10,398
HELOCs																		—						941						1,149						—												2,090
Total consumer																		—						8,516						1,149						2,823												12,488
Total																		$	7,829					$	14,174					$	1,149					$	2,823											$	25,975

Schedule of Financing Receivable, Modified, Payment Performance

The following tables present the performance of loans that were modified over the last 12 months as of June 30, 2025 and 2024:

												Payment Performance as of June 30, 2025
($ in thousands)																																										Current						30 - 89 Days Past Due						90+ Days Past Due						Total
Commercial:
C&I																																										$	165,093					$	—					$	—					$	165,093
CRE																																										193,099						—						—						193,099
Total commercial																																										358,192						—						—						358,192
Consumer:
Single-family residential																																										11,646						3,196						2,337						17,179
HELOCs																																										6,437						3,008						3,053						12,498
Total consumer																																										18,083						6,204						5,390						29,677
Total																																										$	376,275					$	6,204					$	5,390					$	387,869

												Payment Performance as of June 30, 2024
($ in thousands)																																										Current						30 - 89 Days Past Due						90+ Days Past Due						Total
Commercial:
C&I																																										$	67,004					$	—					$	7,829					$	74,833
CRE																																										54,892						—						—						54,892
Total commercial																																										121,896						—						7,829						129,725
Consumer:
Single-family residential																																										8,261						1,325						8,240						17,826
HELOCs																																										6,396						3,296						1,210						10,902
Other consumer																																										3,000						—						—						3,000
Total consumer																																										17,657						4,621						9,450						31,728
Total																																										$	139,553					$	4,621					$	17,279					$	161,453

Schedule of Financing Receivable Credit Quality Indicators, Key Credit Risk Characteristics and Macroeconomic Variables

The following table provides key credit risk characteristics and macroeconomic variables that the Company uses to estimate the expected credit losses by portfolio segment:

Portfolio Segment

Risk Characteristics

Macroeconomic Variables

C&I

Age percentage, size at origination, delinquency status, sector and risk rating

Unemployment rate, Gross Domestic Product (“GDP”), and U.S. Treasury rates

CRE, Multifamily residential, and Construction and land

Delinquency status, maturity date, collateral value, property type, and geographic location

Unemployment rate, GDP, and U.S. Treasury rates

Single-family residential and HELOCs

FICO score, delinquency status, maturity date, collateral value, and geographic location

Unemployment rate, GDP, and Home Price Indices

Other consumer

Loss rate approach

Immaterial - Macroeconomic variables are included in the qualitative estimate.

Schedule of Activity in the Allowance for Credit Losses

The following tables summarize the activity in the allowance for loan losses by portfolio segments for the three and six months ended June 30, 2025 and 2024:

						Three Months Ended June 30, 2025
						Commercial																								Consumer
												CRE																		Residential Mortgage
($ in thousands)						C&I						CRE						Multifamily Residential						Construction and Land						Single-Family Residential						HELOCs						Other Consumer						Total
Allowance for loan losses, beginning of period						$	421,288					$	212,899					$	32,324					$	15,199					$	46,929					$	4,879					$	1,338					$	734,856
Provision for (reversal of) credit losses on loans			(a)			27,595						8,007						(3,274)						2,654						5,064						369						(259)						40,156
Gross charge-offs						(8,151)						(8,306)						(3)						—						—						—						(4)						(16,464)
Gross recoveries						1,504						18						26						3						4						8						250						1,813
Total net (charge-offs) recoveries						(6,647)						(8,288)						23						3						4						8						246						(14,651)
Foreign currency translation adjustment						55						—						—						—						—						—						—						55
Allowance for loan losses, end of period						$	442,291					$	212,618					$	29,073					$	17,856					$	51,997					$	5,256					$	1,325					$	760,416

						Three Months Ended June 30, 2024
						Commercial																								Consumer
												CRE																		Residential Mortgage
($ in thousands)						C&I						CRE						Multifamily Residential						Construction and Land						Single-Family Residential						HELOCs						Other Consumer						Total
Allowance for loan losses, beginning of period						$	373,631					$	187,460					$	37,418					$	10,819					$	55,922					$	3,563					$	1,467					$	670,280
Provision for (reversal of) credit losses on loans			(a)			17,783						18,287						2,628						4,422						(6,366)						(232)						240						36,762
Gross charge-offs						(13,134)						(11,103)						—						(920)						(35)						—						(130)						(25,322)
Gross recoveries						1,817						150						208						1						2						9						—						2,187
Total net (charge-offs) recoveries						(11,317)						(10,953)						208						(919)						(33)						9						(130)						(23,135)
Foreign currency translation adjustment						(113)						—						—						—						—						—						—						(113)
Allowance for loan losses, end of period						$	379,984					$	194,794					$	40,254					$	14,322					$	49,523					$	3,340					$	1,577					$	683,794

						Six Months Ended June 30, 2025
						Commercial																								Consumer
												CRE																		Residential Mortgage
($ in thousands)						C&I						CRE						Multifamily Residential						Construction and Land						Single-Family Residential						HELOCs						Other Consumer						Total
Allowance for loan losses, beginning of period						$	384,319					$	218,677					$	32,117					$	17,497					$	44,816					$	3,132					$	1,494					$	702,052
Provision for (reversal of) credit losses on loans			(a)			63,965						16,112						(3,073)						2,349						7,136						2,108						(379)						88,218
Gross charge-offs						(9,139)						(22,243)						(7)						(1,996)						(9)						—						(53)						(33,447)
Gross recoveries						3,068						72						36						6						54						16						263						3,515
Total net (charge-offs) recoveries						(6,071)						(22,171)						29						(1,990)						45						16						210						(29,932)
Foreign currency translation adjustment						78						—						—						—						—						—						—						78
Allowance for loan losses, end of period						$	442,291					$	212,618					$	29,073					$	17,856					$	51,997					$	5,256					$	1,325					$	760,416

						Six Months Ended June 30, 2024
						Commercial																								Consumer
												CRE																		Residential Mortgage
($ in thousands)						C&I						CRE						Multifamily Residential						Construction and Land						Single-Family Residential						HELOCs						Other Consumer						Total
Allowance for loan losses, beginning of period						$	392,685					$	170,592					$	34,375					$	10,469					$	55,018					$	3,947					$	1,657					$	668,743
Provision for (reversal of) credit losses on loans			(a)			18,057						37,419						5,660						5,803						(5,467)						(664)						108						60,916
Gross charge-offs						(34,132)						(13,501)						(6)						(2,144)						(35)						—						(188)						(50,006)
Gross recoveries						3,527						284						225						194						7						57						—						4,294
Total net (charge-offs) recoveries						(30,605)						(13,217)						219						(1,950)						(28)						57						(188)						(45,712)
Foreign currency translation adjustment						(153)						—						—						—						—						—						—						(153)
Allowance for loan losses, end of period						$	379,984					$	194,794					$	40,254					$	14,322					$	49,523					$	3,340					$	1,577					$	683,794

The following table summarizes the activity in the allowance for unfunded credit commitments for the three and six months ended June 30, 2025 and 2024:

						Three Months Ended June 30,												Six Months Ended June 30,
($ in thousands)						2025						2024						2025						2024
Unfunded credit facilities
Allowance for unfunded credit commitments, beginning of period						$	40,464					$	38,544					$	39,526					$	37,698
Provision for credit losses on unfunded credit commitments			(b)			4,844						238						5,782						1,084
Foreign currency translation adjustment						(1)						1						(1)						1
Allowance for unfunded credit commitments, end of period						$	45,307					$	38,783					$	45,307					$	38,783
Provision for credit losses			(a) + (b)			$	45,000					$	37,000					$	94,000					$	62,000

Schedule of Carrying Value of Loans Transferred, Loans Sold and Purchased for the Held-For-Investment Portfolio

The following tables provide information on the carrying value of loans transferred, sold and purchased for the held-for-investment portfolio, during the three and six months ended June 30, 2025 and 2024:

						Three Months Ended June 30, 2025
						Commercial																		Consumer
												CRE												Residential Mortgage
($ in thousands)						C&I						CRE												Construction and Land						Single-Family Residential																		Total
Loans transferred from held-for-investment to held-for-sale (1)						$	102,214					$	—											$	—					$	—																	$	102,214
Sales (2)(3)						$	90,341					$	—											$	—					$	396																	$	90,737
Purchases						$	142,687		(4)			$	—											$	—					$	145,330																	$	288,017

						Three Months Ended June 30, 2024
						Commercial																		Consumer
												CRE												Residential Mortgage
($ in thousands)						C&I						CRE												Construction and Land						Single-Family Residential																		Total
Loans transferred from held-for-investment to held-for-sale (1)						$	138,923					$	—											$	718					$	—																	$	139,641
Sales (2)(3)						$	133,906					$	—											$	718					$	—																	$	134,624
Purchases						$	170,175		(4)			$	—											$	—					$	111,864																	$	282,039

						Six Months Ended June 30, 2025
						Commercial																		Consumer						Total
												CRE												Residential Mortgage
($ in thousands)						C&I						CRE												Construction and Land									Single-Family Residential
Loans transferred from held-for-investment to held-for-sale (1)						$	108,570					$	20,338											$	9,500					$	—																	$	138,408
Sales (2)(3)						$	96,697					$	20,338											$	11,316					$	396																	$	128,747
Purchases						$	279,630		(4)			$	—											$	—					$	250,411																	$	530,041

Refer to table footnotes on the following page.

						Six Months Ended June 30, 2024
						Commercial																		Consumer						Total
												CRE												Residential Mortgage
($ in thousands)						C&I						CRE												Construction and Land									Single-Family Residential
Loans transferred from held-for-investment to held-for-sale (1)						$	338,897					$	—											$	718					$	—																	$	339,615
Sales (2)(3)						$	321,108					$	—											$	718					$	965																	$	322,791
Purchases						$	203,519		(4)			$	—											$	—					$	186,600																	$	390,119

(1)Includes write-downs of $2 million to the allowance for loan losses related to loans transferred from held-for-investment to held-for-sale for the six months ended June 30, 2025, and $1 million for each of the three and six months ended June 30, 2024. There were no write-downs to the allowance for loan losses related to loans transferred from held-for-investment to held-for-sale for the three months ended June 30, 2025.

(2)Includes originated loans sold of $91 million and $125 million for the three and six months ended June 30, 2025, respectively, and $95 million and $187 million for the three and six months ended June 30, 2024, respectively. Originated loans sold were primarily comprised of C&I loans for each of the three and six months ended June 30, 2025 and 2024.

(3)Includes $4 million of purchased loans sold in the secondary market for the six months ended June 30, 2025, and $40 million and $136 million for each of the three and six months ended June 30, 2024, respectively. There were no purchased loans sold in the secondary market for the three months ended June 30, 2025.

(4)C&I loan purchases were comprised of syndicated C&I term loans.

X

- Definition

Financing Receivable Credit Quality Indicators, Key Credit Risk Characteristics and Macroeconomic Variables

+ References

No definition available.

+ Details

Name:	ewbc_FinancingReceivableCreditQualityIndicatorsKeyCreditRiskCharacteristicsAndMacroeconomicVariablesTableTextBlock
Namespace Prefix:	ewbc_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Schedule Of Financing Receivables, Carrying Amount [Table Text Block]

+ References

No definition available.

+ Details

Name:	ewbc_ScheduleOfFinancingReceivablesCarryingAmountTableTextBlock
Namespace Prefix:	ewbc_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Schedule Of Sales, Purchases And Securitization Of Loans, And Reclassification Of Loans Held-For-Investment To (From) Loans Held-For-Sale [Table Text Block]

+ References

No definition available.

+ Details

Name:	ewbc_ScheduleOfSalesPurchasesAndSecuritizationOfLoansAndReclassificationOfLoansHeldForInvestmentToFromLoansHeldForSaleTableTextBlock
Namespace Prefix:	ewbc_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-5

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of aging analysis for financing receivable modified for debtor experiencing financial difficulty.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 12A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Subparagraph (a)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-42

+ Details

Name:	us-gaap_FinancingReceivableModifiedPastDueTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivable with payment default and modified within previous 12 months preceding payment default for debtor experiencing financial difficulty.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 44
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-44

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 12A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A

+ Details

Name:	us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_LoansAndLeasesReceivableDisclosureAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-14

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 80
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-80

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivable on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

+ Details

Name:	us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-42

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-42

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 12A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A

Reference 4: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 34
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-34

Reference 5: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 33
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-33

+ Details

Name:	us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration