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LOANS AND CREDIT QUALITY - Activity in Allowance for Credit Losses by Loan Portfolio (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2024 | Mar. 31, 2023 | Dec. 31, 2023
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | $ 40,500 | $ 41,500 | $ 41,500
Charge-offs | (1,105) | (683) | (1,381)
Recoveries | 40 | 94 |
Provision | 242 | 589 |
Ending balance | 39,677 | 41,500 | 40,500
Commercial and industrial loans | Real Estate Sector |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 27,912 | 27,859 | 27,859
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision | 988 | (179) |
Ending balance | 28,900 | 27,680 | 27,912
Commercial and industrial loans | Commercial and Industrial Sector |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 3,849 | 4,277 | 4,277
Charge-offs | (1,081) | (633) |
Recoveries | 1 | 24 |
Provision | 713 | 658 |
Ending balance | 3,482 | 4,326 | 3,849
Commercial and industrial loans | Non-owner occupied CRE |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 2,610 | 2,102 | 2,102
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision | (479) | 506 |
Ending balance | 2,131 | 2,608 | 2,610
Commercial and industrial loans | Multifamily |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 13,093 | 10,974 | 10,974
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision | 5,854 | (1,187) |
Ending balance | 18,947 | 9,787 | 13,093
Commercial and industrial loans | Multifamily construction |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 3,983 | 998 | 998
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision | (2,362) | 347 |
Ending balance | 1,621 | 1,345 | 3,983
Commercial and industrial loans | CRE construction |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 189 | 196 | 196
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision | (1) | 8 |
Ending balance | 188 | 204 | 189
Commercial and industrial loans | Single family construction |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 7,365 | 12,418 | 12,418
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision | (1,787) | 107 |
Ending balance | 5,578 | 12,525 | 7,365
Commercial and industrial loans | Single family construction to permanent |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 672 | 1,171 | 1,171
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision | (237) | 40 |
Ending balance | 435 | 1,211 | 672
Commercial and industrial loans | Owner occupied CRE |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 899 | 1,030 | 1,030
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision | (63) | (120) |
Ending balance | 836 | 910 | 899
Commercial and industrial loans | Commercial business |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 2,950 | 3,247 | 3,247
Charge-offs | (1,081) | (633) | (1,062)
Recoveries | 1 | 24 |
Provision | 776 | 778 |
Ending balance | 2,646 | 3,416 | 2,950
Consumer loans |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 8,739 | 9,364 | 9,364
Charge-offs | (24) | (50) |
Recoveries | 39 | 70 |
Provision | (1,459) | 110 |
Ending balance | 7,295 | 9,494 | 8,739
Consumer loans | Single family |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 5,287 | 5,610 | 5,610
Charge-offs | 0 | 0 |
Recoveries | 2 | 15 |
Provision | (1,016) | 179 |
Ending balance | 4,273 | 5,804 | 5,287
Consumer loans | Home equity and other |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 3,452 | 3,754 | 3,754
Charge-offs | (24) | (50) | (319)
Recoveries | 37 | 55 |
Provision | (443) | (69) |
Ending balance | $ 3,022 | $ 3,690 | $ 3,452

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