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LOANS AND CREDIT QUALITY - Activity in Allowance for Credit Losses by Loan Portfolio (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023
Allowance for credit losses by loan portfolio |  |
Beginning balance | $ 40,500 | $ 41,500
Charge-offs | (3,141) | (1,381)
Recoveries | 707 | 448
Provision | 677 | (67)
Ending balance | 38,743 | 40,500
Commercial and industrial loans | Real Estate Sector |  |
Allowance for credit losses by loan portfolio |  |
Beginning balance | 27,912 | 27,859
Charge-offs | 0 | 0
Recoveries | 0 | 0
Provision | (3,428) | 53
Ending balance | 24,484 | 27,912
Commercial and industrial loans | Commercial and Industrial Sector |  |
Allowance for credit losses by loan portfolio |  |
Beginning balance | 3,849 | 4,277
Charge-offs | (2,963) | (1,062)
Recoveries | 522 | 87
Provision | 6,054 | 547
Ending balance | 7,462 | 3,849
Commercial and industrial loans | Non-owner occupied CRE |  |
Allowance for credit losses by loan portfolio |  |
Beginning balance | 2,610 | 2,102
Charge-offs | 0 | 0
Recoveries | 0 | 0
Provision | (871) | 508
Ending balance | 1,739 | 2,610
Commercial and industrial loans | Multifamily |  |
Allowance for credit losses by loan portfolio |  |
Beginning balance | 13,093 | 10,974
Charge-offs | 0 | 0
Recoveries | 0 | 0
Provision | 1,816 | 2,119
Ending balance | 14,909 | 13,093
Commercial and industrial loans | Multifamily construction |  |
Allowance for credit losses by loan portfolio |  |
Beginning balance | 3,983 | 998
Charge-offs | 0 | 0
Recoveries | 0 | 0
Provision | (3,134) | 2,985
Ending balance | 849 | 3,983
Commercial and industrial loans | CRE construction |  |
Allowance for credit losses by loan portfolio |  |
Beginning balance | 189 | 196
Charge-offs | 0 | 0
Recoveries | 0 | 0
Provision | (123) | (7)
Ending balance | 66 | 189
Commercial and industrial loans | Single family construction |  |
Allowance for credit losses by loan portfolio |  |
Beginning balance | 7,365 | 12,418
Charge-offs | 0 | 0
Recoveries | 0 | 0
Provision | (628) | (5,053)
Ending balance | 6,737 | 7,365
Commercial and industrial loans | Single family construction to permanent |  |
Allowance for credit losses by loan portfolio |  |
Beginning balance | 672 | 1,171
Charge-offs | 0 | 0
Recoveries | 0 | 0
Provision | (488) | (499)
Ending balance | 184 | 672
Commercial and industrial loans | Owner occupied CRE |  |
Allowance for credit losses by loan portfolio |  |
Beginning balance | 899 | 1,030
Charge-offs | 0 | 0
Recoveries | 0 | 0
Provision | (323) | (131)
Ending balance | 576 | 899
Commercial and industrial loans | Commercial business |  |
Allowance for credit losses by loan portfolio |  |
Beginning balance | 2,950 | 3,247
Charge-offs | (2,963) | (1,062)
Recoveries | 522 | 87
Provision | 6,377 | 678
Ending balance | 6,886 | 2,950
Consumer Portfolio Segment |  |
Allowance for credit losses by loan portfolio |  |
Beginning balance | 8,739 | 9,364
Charge-offs | (178) | (319)
Recoveries | 185 | 361
Provision | (1,949) | (667)
Ending balance | 6,797 | 8,739
Consumer Portfolio Segment | Single family |  |
Allowance for credit losses by loan portfolio |  |
Beginning balance | 5,287 | 5,610
Charge-offs | 0 | 0
Recoveries | 7 | 23
Provision | (1,684) | (346)
Ending balance | 3,610 | 5,287
Consumer Portfolio Segment | Home equity and other |  |
Allowance for credit losses by loan portfolio |  |
Beginning balance | 3,452 | 3,754
Charge-offs | (178) | (319)
Recoveries | 178 | 338
Provision | (265) | (321)
Ending balance | $ 3,187 | $ 3,452

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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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