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LOANS AND CREDIT QUALITY - Activity in Allowance for Credit Losses by Loan Portfolio (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2023 | Sep. 30, 2022 | Sep. 30, 2023 | Sep. 30, 2022
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | $ 41,500 | $ 37,355 | $ 41,500 | $ 47,123
Charge-offs | (635) | (124) | (1,574) | (850)
Recoveries | 125 | 126 | 364 | 523
Provision | (990) | 249 | (290) | (9,190)
Ending balance | 40,000 | 37,606 | 40,000 | 37,606
Commercial and industrial loans | Real Estate Sector |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 26,160 | 24,851 | 27,859 | 21,486
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | (608) | (33) | (2,307) | 3,332
Ending balance | 25,552 | 24,818 | 25,552 | 24,818
Commercial and industrial loans | Commercial and Industrial Sector |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 4,767 | 4,670 | 4,277 | 17,279
Charge-offs | (543) | (81) | (1,342) | (741)
Recoveries | 25 | 25 | 73 | 94
Provision | 454 | 74 | 1,695 | (11,944)
Ending balance | 4,703 | 4,688 | 4,703 | 4,688
Commercial and industrial loans | Non-owner occupied CRE |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 2,242 | 2,180 | 2,102 | 7,509
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | 123 | (74) | 263 | (5,403)
Ending balance | 2,365 | 2,106 | 2,365 | 2,106
Commercial and industrial loans | Multifamily |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 9,695 | 10,074 | 10,974 | 5,854
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | 1,011 | 1,109 | (268) | 5,329
Ending balance | 10,706 | 11,183 | 10,706 | 11,183
Commercial and industrial loans | Multifamily construction |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 1,566 | 566 | 998 | 507
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | 26 | 99 | 594 | 158
Ending balance | 1,592 | 665 | 1,592 | 665
Commercial and industrial loans | CRE construction |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 169 | 185 | 196 | 150
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | (16) | (25) | (43) | 10
Ending balance | 153 | 160 | 153 | 160
Commercial and industrial loans | Single family construction |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 11,067 | 10,687 | 12,418 | 6,411
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | (1,322) | (1,123) | (2,673) | 3,153
Ending balance | 9,745 | 9,564 | 9,745 | 9,564
Commercial and industrial loans | Single family construction to permanent |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 1,421 | 1,159 | 1,171 | 1,055
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | (430) | (19) | (180) | 85
Ending balance | 991 | 1,140 | 991 | 1,140
Commercial and industrial loans | Owner occupied CRE |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 930 | 1,092 | 1,030 | 5,006
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | 172 | (123) | 72 | (4,037)
Ending balance | 1,102 | 969 | 1,102 | 969
Commercial and industrial loans | Commercial business |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 3,837 | 3,578 | 3,247 | 12,273
Charge-offs | (543) | (81) | (1,342) | (741)
Recoveries | 25 | 25 | 73 | 94
Provision | 282 | 197 | 1,623 | (7,907)
Ending balance | 3,601 | 3,719 | 3,601 | 3,719
Consumer loans |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 10,573 | 7,834 | 9,364 | 8,358
Charge-offs | (92) | (43) | (232) | (109)
Recoveries | 100 | 101 | 291 | 429
Provision | (836) | 208 | 322 | (578)
Ending balance | 9,745 | 8,100 | 9,745 | 8,100
Consumer loans | Single family |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 6,617 | 4,027 | 5,610 | 4,394
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 4 | 1 | 21 | 141
Provision | (838) | 436 | 152 | (71)
Ending balance | 5,783 | 4,464 | 5,783 | 4,464
Consumer loans | Home equity and other |  |  |  |
Allowance for credit losses by loan portfolio |  |  |  |
Beginning balance | 3,956 | 3,807 | 3,754 | 3,964
Charge-offs | (92) | (43) | (232) | (109)
Recoveries | 96 | 100 | 270 | 288
Provision | 2 | (228) | 170 | (507)
Ending balance | $ 3,962 | $ 3,636 | $ 3,962 | $ 3,636

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