XML 62 R50.htm IDEA: XBRL DOCUMENT v3.24.4
LOANS & ALLOWANCE FOR CREDIT LOSSES - SCHEDULE OF LOANS BY AMORTIZED COST BASIS BY YEAR OF ORIGINATION AND CREDIT QUALITY INDICATOR (Details) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended
Dec. 31, 2024
Jun. 30, 2024
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 $ 2,305,467 $ 3,568,319
2024 - 2023 2,958,700 3,368,194
2023 - 2022 2,750,158 4,352,535
2022 - 2021 3,555,073 1,433,787
2021 - 2020 1,179,652 904,402
Prior 2,217,494 1,732,247
Revolving Loans 5,059,830 4,443,327
Total 20,026,374 19,802,811
Year-to-date gross charge-offs    
Gross charge-offs 2025 - 2024 18 202
Gross charge-offs 2024 - 2023 281 3,471
Gross charge-offs 2023 - 2022 1,750 5,212
Gross charge-offs 2022 - 2021 2,395 1,556
Gross charge-offs 2021 - 2020 1,736 943
Prior 6,880 525
Revolving Loans 2,000 0
Total $ 15,060 $ 11,909
As a % of total gross loans    
2025 - 2024 11.50% 18.00%
2024 - 2023 14.80% 17.00%
2023 - 2022 13.70% 22.00%
2022 - 2021 17.70% 7.20%
2021 - 2020 5.90% 4.60%
Prior 11.10% 8.80%
Revolving Loans 25.30% 22.40%
Total 100.00% 100.00%
Single Family - Mortgage & Warehouse    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 $ 228,407 $ 522,822
2024 - 2023 364,055 590,343
2023 - 2022 509,378 1,231,447
2022 - 2021 1,142,795 487,797
2021 - 2020 473,793 312,358
Prior 922,790 777,287
Revolving Loans 508,560 256,778
Total 4,149,778 4,178,832
Year-to-date gross charge-offs    
Gross charge-offs 2025 - 2024 0 0
Gross charge-offs 2024 - 2023 0 0
Gross charge-offs 2023 - 2022 0 0
Gross charge-offs 2022 - 2021 0 0
Gross charge-offs 2021 - 2020 0 0
Prior 0 172
Revolving Loans 0 0
Total 0 172
Multifamily and Commercial Mortgage    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 22,417 36,058
2024 - 2023 29,290 742,977
2023 - 2022 675,315 1,052,707
2022 - 2021 1,056,430 628,284
2021 - 2020 474,833 560,365
Prior 1,172,663 841,540
Revolving Loans 0 0
Total 3,430,948 3,861,931
Year-to-date gross charge-offs    
Gross charge-offs 2025 - 2024 0 0
Gross charge-offs 2024 - 2023 0 0
Gross charge-offs 2023 - 2022 0 0
Gross charge-offs 2022 - 2021 0 0
Gross charge-offs 2021 - 2020 0 640
Prior 6,554 0
Revolving Loans 0 0
Total 6,554 640
Commercial Real Estate    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 1,517,172 1,952,001
2024 - 2023 1,646,226 1,424,999
2023 - 2022 1,031,855 1,527,795
2022 - 2021 927,020 226,061
2021 - 2020 148,351 7,741
Prior 59,191 83,339
Revolving Loans 885,019 866,686
Total 6,214,834 6,088,622
Year-to-date gross charge-offs    
Gross charge-offs 2025 - 2024 0 0
Gross charge-offs 2024 - 2023 0 0
Gross charge-offs 2023 - 2022 0 0
Gross charge-offs 2022 - 2021 0 0
Gross charge-offs 2021 - 2020 0 0
Prior 0 0
Revolving Loans 0 0
Total 0 0
Commercial & Industrial - Non-RE    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 462,836 991,497
2024 - 2023 861,469 494,500
2023 - 2022 439,552 361,857
2022 - 2021 285,760 47,772
2021 - 2020 49,782 10,422
Prior 44,227 15,855
Revolving Loans 3,666,251 3,319,863
Total 5,809,877 5,241,766
Year-to-date gross charge-offs    
Gross charge-offs 2025 - 2024 0 0
Gross charge-offs 2024 - 2023 0 0
Gross charge-offs 2023 - 2022 130 0
Gross charge-offs 2022 - 2021 0 0
Gross charge-offs 2021 - 2020 1,032 0
Prior 0 84
Revolving Loans 2,000 0
Total 3,162 84
Auto & Consumer    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 74,635 65,941
2024 - 2023 57,660 115,375
2023 - 2022 94,058 178,729
2022 - 2021 143,068 43,873
2021 - 2020 32,893 13,516
Prior 18,623 14,226
Revolving Loans 0 0
Total 420,937 431,660
Year-to-date gross charge-offs    
Gross charge-offs 2025 - 2024 18 202
Gross charge-offs 2024 - 2023 281 3,471
Gross charge-offs 2023 - 2022 1,620 5,212
Gross charge-offs 2022 - 2021 2,395 1,556
Gross charge-offs 2021 - 2020 704 303
Prior 326 269
Revolving Loans 0 0
Total 5,344 11,013
Pass    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 2,305,451 3,537,144
2024 - 2023 2,868,918 3,282,691
2023 - 2022 2,684,560 4,066,317
2022 - 2021 3,262,954 1,391,702
2021 - 2020 1,155,590 832,953
Prior 2,037,898 1,611,156
Revolving Loans 4,934,007 4,418,889
Total 19,249,378 19,140,852
Pass | Single Family - Mortgage & Warehouse    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 228,407 491,822
2024 - 2023 358,736 590,060
2023 - 2022 502,219 1,200,230
2022 - 2021 1,107,651 487,132
2021 - 2020 464,983 291,047
Prior 848,732 720,049
Revolving Loans 500,009 256,778
Total 4,010,737 4,037,118
Pass | Multifamily and Commercial Mortgage    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 22,417 36,058
2024 - 2023 29,290 700,163
2023 - 2022 652,116 994,004
2022 - 2021 981,431 595,299
2021 - 2020 468,493 510,341
Prior 1,099,774 811,184
Revolving Loans 0 0
Total 3,253,521 3,647,049
Pass | Commercial Real Estate    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 1,517,172 1,952,001
2024 - 2023 1,592,351 1,419,399
2023 - 2022 1,031,855 1,456,643
2022 - 2021 883,495 221,061
2021 - 2020 143,351 7,741
Prior 30,000 53,000
Revolving Loans 881,147 866,686
Total 6,079,371 5,976,531
Pass | Commercial & Industrial - Non-RE    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 462,836 991,497
2024 - 2023 831,133 458,454
2023 - 2022 405,020 238,397
2022 - 2021 148,634 44,923
2021 - 2020 46,117 10,422
Prior 41,238 12,867
Revolving Loans 3,552,851 3,295,425
Total 5,487,829 5,051,985
Pass | Auto & Consumer    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 74,619 65,766
2024 - 2023 57,408 114,615
2023 - 2022 93,350 177,043
2022 - 2021 141,743 43,287
2021 - 2020 32,646 13,402
Prior 18,154 14,056
Revolving Loans 0 0
Total 417,920 428,169
Special Mention    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 16 31,033
2024 - 2023 74,292 31,151
2023 - 2022 24,858 99,288
2022 - 2021 78,855 20,137
2021 - 2020 7,409 15,602
Prior 47,269 37,211
Revolving Loans 15,764 5,349
Total 248,463 239,771
Special Mention | Single Family - Mortgage & Warehouse    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 31,000
2024 - 2023 4,119 0
2023 - 2022 1,455 24,489
2022 - 2021 19,542 665
2021 - 2020 2,978 6,591
Prior 22,172 26,873
Revolving Loans 8,551 0
Total 58,817 89,618
Special Mention | Multifamily and Commercial Mortgage    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 29,325
2023 - 2022 23,199 46,194
2022 - 2021 58,964 17,478
2021 - 2020 4,340 9,011
Prior 25,096 10,277
Revolving Loans 0 0
Total 111,599 112,285
Special Mention | Commercial Real Estate    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 53,875 0
2023 - 2022 0 27,452
2022 - 2021 0 0
2021 - 2020 0 0
Prior 0 0
Revolving Loans 0 0
Total 53,875 27,452
Special Mention | Commercial & Industrial - Non-RE    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 16,271 1,613
2023 - 2022 0 731
2022 - 2021 0 1,818
2021 - 2020 0 0
Prior 0 0
Revolving Loans 7,213 5,349
Total 23,484 9,511
Special Mention | Auto & Consumer    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 16 33
2024 - 2023 27 213
2023 - 2022 204 422
2022 - 2021 349 176
2021 - 2020 91 0
Prior 1 61
Revolving Loans 0 0
Total 688 905
Substandard    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 142
2024 - 2023 15,490 54,352
2023 - 2022 40,740 186,930
2022 - 2021 203,264 21,948
2021 - 2020 16,653 55,847
Prior 132,327 83,880
Revolving Loans 110,059 19,089
Total 518,533 422,188
Substandard | Single Family - Mortgage & Warehouse    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 1,200 283
2023 - 2022 5,704 6,728
2022 - 2021 15,602 0
2021 - 2020 5,832 14,720
Prior 51,886 30,365
Revolving Loans 0 0
Total 80,224 52,096
Substandard | Multifamily and Commercial Mortgage    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 13,489
2023 - 2022 0 12,509
2022 - 2021 16,035 15,507
2021 - 2020 2,000 41,013
Prior 47,793 20,079
Revolving Loans 0 0
Total 65,828 102,597
Substandard | Commercial Real Estate    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 5,600
2023 - 2022 0 43,700
2022 - 2021 43,525 5,000
2021 - 2020 5,000 0
Prior 29,191 30,339
Revolving Loans 3,872 0
Total 81,588 84,639
Substandard | Commercial & Industrial - Non-RE    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 14,065 34,433
2023 - 2022 34,532 122,729
2022 - 2021 127,126 1,031
2021 - 2020 3,665 0
Prior 2,989 2,988
Revolving Loans 106,187 19,089
Total 288,564 180,270
Substandard | Auto & Consumer    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 142
2024 - 2023 225 547
2023 - 2022 504 1,264
2022 - 2021 976 410
2021 - 2020 156 114
Prior 468 109
Revolving Loans 0 0
Total 2,329 2,586
Doubtful    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 0
2023 - 2022 0 0
2022 - 2021 10,000 0
2021 - 2020 0 0
Prior 0 0
Revolving Loans 0 0
Total 10,000 0
Doubtful | Single Family - Mortgage & Warehouse    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 0
2023 - 2022 0 0
2022 - 2021 0 0
2021 - 2020 0 0
Prior 0 0
Revolving Loans 0 0
Total 0 0
Doubtful | Multifamily and Commercial Mortgage    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 0
2023 - 2022 0 0
2022 - 2021 0 0
2021 - 2020 0 0
Prior 0 0
Revolving Loans 0 0
Total 0 0
Doubtful | Commercial Real Estate    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 0
2023 - 2022 0 0
2022 - 2021 0 0
2021 - 2020 0 0
Prior 0 0
Revolving Loans 0 0
Total 0 0
Doubtful | Commercial & Industrial - Non-RE    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 0
2023 - 2022 0 0
2022 - 2021 10,000 0
2021 - 2020 0 0
Prior 0 0
Revolving Loans 0 0
Total 10,000 0
Doubtful | Auto & Consumer    
Financing Receivable, Credit Quality Indicator [Line Items]    
2025 - 2024 0 0
2024 - 2023 0 0
2023 - 2022 0 0
2022 - 2021 0 0
2021 - 2020 0 0
Prior 0 0
Revolving Loans 0 0
Total $ 0 $ 0