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LOANS AND CREDIT QUALITY (Tables)

12 Months Ended

Dec. 31, 2024

Receivables [Abstract]

Loans held for investment

LHFI consists of the following:

			At December 31,
(in thousands)			2024						2023
CRE
Non-owner occupied CRE			$	570,750					$	641,885
Multifamily			2,992,675						3,940,189
Construction/land development			472,740						565,916
Total			4,036,165						5,147,990
Commercial and industrial loans
Owner occupied CRE			361,997						391,285
Commercial business			312,004						359,049
Total			674,001						750,334
Consumer loans
Single family			1,109,095						1,140,279
Home equity and other			412,535						384,301
Total (1)			1,521,630						1,524,580
Total LHFI			6,231,796						7,422,904
ACL			(38,743)						(40,500)
Total LHFI less ACL			$	6,193,053					$	7,382,404

(1)    Includes $1.3 million at December 31, 2024 and 2023, of loans where a fair value option election was made at the time of origination and, therefore, are carried at fair value with changes recognized in the consolidated income statements.

Schedule of related party transactions

The following is a summary of activity during the years ended December 31, 2024 and 2023 with respect to such aggregate loans to these related parties and their associates:

			Years Ended December 31,
(in thousands)			2024						2023
Beginning balance			$	1,932					$	1,978
New loans and advances, net of principal repayments			(73)						(46)
Ending balance			$	1,859					$	1,932

Activity in the allowance for credit losses

Activity in the ACL for LHFI and the allowance for unfunded commitments was as follows:

									Years Ended December 31,
(in thousands)															2024						2023
Beginning balance															$	40,500					$	41,500
Provision for credit losses															677						(67)
Net (charge-offs) recoveries															(2,434)						(933)
Ending balance															$	38,743					$	40,500
Allowance for unfunded commitments
Beginning balance															$	1,823					$	2,197
Provision for credit losses															(677)						(374)
Ending balance															$	1,146					$	1,823
Provision for credit losses:
Allowance for credit losses-loans															$	677					$	(67)
Allowance for unfunded commitments															(677)						(374)
Total															$	—					$	(441)

Activity in the ACL by loan portfolio and loan sub-class was as follows:

			Year Ended December 31, 2024
(in thousands)			Beginning balance						Charge-offs						Recoveries						Provision						Ending balance
CRE
Non-owner occupied CRE			$	2,610					$	—					$	—					$	(871)					$	1,739
Multifamily			13,093						—						—						1,816						14,909
Construction/land development
Multifamily construction			3,983						—						—						(3,134)						849
CRE construction			189						—						—						(123)						66
Single family construction			7,365						—						—						(628)						6,737
Single family construction to permanent			672						—						—						(488)						184
Total			27,912						—						—						(3,428)						24,484
Commercial and industrial loans
Owner occupied CRE			899						—						—						(323)						576
Commercial business			2,950						(2,963)						522						6,377						6,886
Total			3,849						(2,963)						522						6,054						7,462
Consumer loans
Single family			5,287						—						7						(1,684)						3,610
Home equity and other			3,452						(178)						178						(265)						3,187
Total			8,739						(178)						185						(1,949)						6,797
Total ACL			$	40,500					$	(3,141)					$	707					$	677					$	38,743

			Year Ended December 31, 2023
(in thousands)			Beginning balance						Charge-offs						Recoveries						Provision						Ending balance
CRE
Non-owner occupied CRE			$	2,102					$	—					$	—					$	508					$	2,610
Multifamily			10,974						—						—						2,119						13,093
Construction/land development
Multifamily construction			998						—						—						2,985						3,983
CRE construction			196						—						—						(7)						189
Single family construction			12,418						—						—						(5,053)						7,365
Single family construction to permanent			1,171						—						—						(499)						672
Total			27,859						—						—						53						27,912
Commercial and industrial loans
Owner occupied CRE			1,030						—						—						(131)						899
Commercial business			3,247						(1,062)						87						678						2,950
Total			4,277						(1,062)						87						547						3,849
Consumer loans
Single family			5,610						—						23						(346)						5,287
Home equity and other			3,754						(319)						338						(321)						3,452
Total			9,364						(319)						361						(667)						8,739
Total ACL			$	41,500					$	(1,381)					$	448					$	(67)					$	40,500

Designated loan grades by loan portfolio segment and loan class

The following table presents a vintage analysis of the commercial portfolio segment by loan sub-class and risk rating or delinquency status:

						At December 31, 2024
(in thousands)						2024						2023						2022						2021						2020						2019 and prior						Revolving						Revolving-term						Total
COMMERCIAL PORTFOLIO
Non-owner occupied CRE
Pass						$	—					$	1,441					$	70,128					$	71,493					$	39,885					$	347,058					$	(36)					$	—					$	529,969
Special Mention						—						—						—						—						—						24,551						—						—						24,551
Substandard						—						—						—						—						—						16,230						—						—						16,230
Total						—						1,441						70,128						71,493						39,885						387,839						(36)						—						570,750
Multifamily
Pass						1,650						106,415						1,538,855						643,044						257,110						255,643						—						—						2,802,717
Special Mention						—						—						66,217						4,789						73,308						23,835						—						—						168,149
Substandard						—						—						15,602						—						—						6,207						—						—						21,809
Total						1,650						106,415						1,620,674						647,833						330,418						285,685						—						—						2,992,675
Multifamily construction
Pass						—						31,349						67,557						—						—						—						—						—						98,906
Special Mention						—						—						—						—						—						—						—						—						—
Substandard						—						—						—						—						—						—						—						—						—
Total						—						31,349						67,557						—						—						—						—						—						98,906
CRE construction
Pass						19						7,198						—						—						—						—						—						—						7,217
Special Mention						—						—						—						—						—						—						—						—						—
Substandard						—						—						—						—						3,821						—						—						—						3,821
Total						19						7,198						—						—						3,821						—						—						—						11,038
Single family construction
Pass						121,305						22,412						5,346						7,252						—						69						164,442						—						320,826
Special Mention						—						—						—						—						—						—						—						—						—
Substandard						—						—						—						—						—						—						—						—						—
Total						121,305						22,412						5,346						7,252						—						69						164,442						—						320,826
Single family construction to permanent
Current						6,153						9,719						17,598						7,977						523						—						—						—						41,970
Past due:
30-59 days						—						—						—						—						—						—						—						—						—
60-89 days						—						—						—						—						—						—						—						—						—
90+ days						—						—						—						—						—						—						—						—						—
Total						6,153						9,719						17,598						7,977						523						—						—						—						41,970
Owner occupied CRE
Pass						5,431						10,501						58,423						33,371						41,533						168,082						3						43						317,387
Special Mention						—						1,789						6,129						7,602						317						26,203						—						—						42,040
Substandard						—						—						331						—						—						2,239						—						—						2,570
Total						5,431						12,290						64,883						40,973						41,850						196,524						3						43						361,997
Commercial business
Pass						26,706						15,721						36,209						20,347						28,207						28,836						123,003						700						279,729
Special Mention						—						—						959						2,380						638						615						386						—						4,978
Substandard						243						406						11,885						—						7,192						4,628						2,920						23						27,297
Total						26,949						16,127						49,053						22,727						36,037						34,079						126,309						723						312,004
Total commercial portfolio						$	161,507					$	206,951					$	1,895,239					$	798,255					$	452,534					$	904,196					$	290,718					$	766					$	4,710,166

The following table presents a vintage analysis of the consumer portfolio segment by loan sub-class and delinquency status:

						At December 31, 2024
(in thousands)						2024						2023						2022						2021						2020						2019 and prior						Revolving						Revolving-term						Total
CONSUMER PORTFOLIO
Single family
Current						$	566					$	30,940					$	378,613					$	303,920					$	139,159					$	251,322					$	—					$	—					$	1,104,520
Past due:
30-59 days						—						—						452						—						—						1,673						—						—						2,125
60-89 days						—						—						—						—						—						440						—						—						440
90+ days						—						—						—						—						—						2,010						—						—						2,010
Total						566						30,940						379,065						303,920						139,159						255,445						—						—						1,109,095
Home equity and other
Current						1,606						936						1,528						126						85						1,932						399,531						4,449						410,193
Past due:
30-59 days						25						4						1						—						—						—						474						62						566
60-89 days						—						3						4						—						—						—						626						—						633
90+ days						—						—						—						—						—						10						1,127						6						1,143
Total						1,631						943						1,533						126						85						1,942						401,758						4,517						412,535
Total consumer portfolio (1)						$	2,197					$	31,883					$	380,598					$	304,046					$	139,244					$	257,387					$	401,758					$	4,517					$	1,521,630
Total LHFI						$	163,704					$	238,834					$	2,275,837					$	1,102,301					$	591,778					$	1,161,583					$	692,476					$	5,283					$	6,231,796

(1)    Includes $1.3 million of loans where a fair value option election was made at the time of origination and, therefore, are carried at fair value with changes in fair value recognized in the consolidated income statements.

The following table presents a vintage analysis of the commercial portfolio segment by loan sub-class and risk rating or delinquency status:

						At December 31, 2023
(in thousands)						2023						2022						2021						2020						2019						2018 and prior						Revolving						Revolving-term						Total
COMMERCIAL PORTFOLIO
Non-owner occupied CRE
Pass						$	1,499					$	70,388					$	71,217					$	41,235					$	118,900					$	286,379					$	601					$	—					$	590,219
Special Mention						—						—						—						—						686						34,177						—						—						34,863
Substandard						—						—						—						—						16,230						—						573						—						16,803
Total						1,499						70,388						71,217						41,235						135,816						320,556						1,174						—						641,885
Multifamily
Pass						108,274						1,813,647						1,151,677						475,708						189,567						177,712						—						—						3,916,585
Special Mention						—						—						3,942						12,887						2,368						1,344						—						—						20,541
Substandard						—						—						—						—						—						3,063						—						—						3,063
Total						108,274						1,813,647						1,155,619						488,595						191,935						182,119						—						—						3,940,189
Multifamily construction
Pass						(198)						56,013						112,234						—						—						—						—						—						168,049
Special Mention						—						—						—						—						—						—						—						—						—
Substandard						—						—						—						—						—						—						—						—						—
Total						(198)						56,013						112,234						—						—						—						—						—						168,049
CRE construction
Pass						7						—						14,685						—						—						—						—						—						14,692
Special Mention						—						—						—						—						—						—						—						—						—
Substandard						—						—						—						3,821						—						—						—						—						3,821
Total						7						—						14,685						3,821						—						—						—						—						18,513
Single family construction
Pass						75,305						39,621						12,294						—						—						72						146,758						—						274,050
Special Mention						—						—						—						—						—						—						—						—						—
Substandard						—						—						—						—						—						—						—						—						—
Total						75,305						39,621						12,294						—						—						72						146,758						—						274,050
Single family construction to permanent
Current						27,114						56,469						19,871						1,850						—						—						—						—						105,304
Past due:
30-59 days						—						—						—						—						—						—						—						—						—
60-89 days						—						—						—						—						—						—						—						—						—
90+ days						—						—						—						—						—						—						—						—						—
Total						27,114						56,469						19,871						1,850						—						—						—						—						105,304
Owner occupied CRE
Pass						12,459						68,399						39,629						43,399						65,392						111,199						2						1,122						341,601
Special Mention						1,871						1,478						9,290						—						2,956						28,784						—						—						44,379
Substandard						1						—						—						—						253						5,051						—						—						5,305
Total						14,331						69,877						48,919						43,399						68,601						145,034						2						1,122						391,285
Commercial business
Pass						17,970						45,892						27,227						33,404						16,198						24,903						157,656						973						324,223
Special Mention						—						11,465						2,891						—						452						38						3,485						—						18,331
Substandard						—						—						2,134						7,601						3,788						1,886						1,021						65						16,495
Total						17,970						57,357						32,252						41,005						20,438						26,827						162,162						1,038						359,049
Total commercial portfolio						$	244,302					$	2,163,372					$	1,467,091					$	619,905					$	416,790					$	674,608					$	310,096					$	2,160					$	5,898,324

The following table presents a vintage analysis of the consumer portfolio segment by loan sub-class and delinquency status:

						At December 31, 2023
(in thousands)						2023						2022						2021						2020						2019						2018 and prior						Revolving						Revolving-term						Total
CONSUMER PORTFOLIO
Single family
Current						$	27,011					$	354,691					$	313,866					$	147,183					$	49,126					$	245,574					$	—					$	—					$	1,137,451
Past due:
30-59 days						—						—						—						—						—						781						—						—						781
60-89 days						—						—						—						—						—						1,374						—						—						1,374
90+ days						—						—						—						—						—						673						—						—						673
Total						27,011						354,691						313,866						147,183						49,126						248,402						—						—						1,140,279
Home equity and other
Current						2,165						2,493						311						121						46						1,631						370,462						5,483						382,712
Past due:
30-59 days						8						2						—						—						—						—						802						162						974
60-89 days						1						3						—						—						—						—						419						—						423
90+ days						—						—						—						—						—						24						162						6						192
Total						2,174						2,498						311						121						46						1,655						371,845						5,651						384,301
Total consumer portfolio (1)						$	29,185					$	357,189					$	314,177					$	147,304					$	49,172					$	250,057					$	371,845					$	5,651					$	1,524,580
Total LHFI						$	273,487					$	2,520,561					$	1,781,268					$	767,209					$	465,962					$	924,665					$	681,941					$	7,811					$	7,422,904

(1)    Includes $1.3 million of loans where a fair value option election was made at the time of origination and, therefore, are carried at fair value with changes in fair value recognized in the consolidated income statements.

The following table presents a vintage analysis of the commercial and consumer portfolio segment by loan sub-class and gross charge-offs:

			At December 31, 2024
(in thousands)			2024						2023						2022						2021						2020						2019 and prior						Revolving						Revolving-term						Total
COMMERCIAL PORTFOLIO
Commercial business
Gross charge-offs			$	—					$	—					$	(276)					$	(473)					$	(1,077)					$	(1,098)					$	(39)					$	—					$	(2,963)
CONSUMER PORTFOLIO
Home equity and other
Gross charge-offs			—						(24)						(16)						(1)						—						—						(137)						—						(178)
Total LHFI			$	—					$	(24)					$	(292)					$	(474)					$	(1,077)					$	(1,098)					$	(176)					$	—					$	(3,141)

			At December 31, 2023
(in thousands)			2023						2022						2021						2020						2019						2018 and prior						Revolving						Revolving-term						Total
COMMERCIAL PORTFOLIO
Commercial business
Gross charge-offs			$	—					$	—					$	(184)					$	—					$	(1,136)					$	295					$	13					$	(50)					$	(1,062)
CONSUMER PORTFOLIO
Home equity and other
Gross charge-offs			—						(106)						(22)						—						—						(4)						(187)						—						(319)
Total LHFI			$	—					$	(106)					$	(206)					$	—					$	(1,136)					$	291					$	(174)					$	(50)					$	(1,381)

Schedule of collateral dependent loans

The following table presents the amortized cost basis of collateral-dependent loans by loan sub-class and collateral type:

						At December 31, 2024
(in thousands)						Land						1-4 Family						Multifamily						Non-residential real estate						Other non-real estate						Total
CRE
Non-owner occupied CRE						$	—					$	—					$	—					$	16,230					$	—					$	16,230
Multifamily						—						—						1,915						—						—						1,915
Construction/land development
CRE construction						3,821						—						—						—						—						3,821
Total						3,821						—						1,915						16,230						—						21,966
Commercial and industrial loans
Owner occupied CRE						—						—						—						205						—						205
Commercial business						4,420						2,927						—						—						3,269						10,616
Total						4,420						2,927						—						205						3,269						10,821
Consumer loans
Single family						—						832						—						—						—						832
Total collateral-dependent loans						$	8,241					$	3,759					$	1,915					$	16,435					$	3,269					$	33,619

									At December 31, 2023
(in thousands)												1-4 Family												Non-residential real estate						Other non-real estate						Total
CRE
Non-owner occupied CRE												$	573											$	16,230					$	—					$	16,803
Construction/land development
CRE construction												—												3,821						—						3,821
Total												573												20,051						—						20,624
Commercial and industrial loans
Commercial business												2,788												5,471						4,587						12,846
Total												2,788												5,471						4,587						12,846
Consumer loans
Single family												773												—						—						773
Total collateral-dependent loans												$	4,134											$	25,522					$	4,587					$	34,243

Schedule of loans on nonaccrual with no related allowance for credit loss

The following table presents nonaccrual status for loans:

						At December 31, 2024												At December 31, 2023
(in thousands)						Nonaccrual with no related ACL						Total Nonaccrual						Nonaccrual with no related ACL						Total Nonaccrual
CRE
Non-owner occupied CRE						$	16,230					$	16,230					$	16,803					$	16,803
Multifamily						1,915						1,915						—						—
Construction/land development
CRE construction						3,821						3,821						3,821						3,821
Total						21,966						21,966						20,624						20,624
Commercial and industrial loans
Owner occupied CRE						1,161						1,161						706						706
Commercial business						8,509						25,740						13,151						13,686
Total						9,670						26,901						13,857						14,392
Consumer loans
Single family						1,106						2,990						773						2,650
Home equity and other						—						3,137						—						1,310
Total						1,106						6,127						773						3,960
Total nonaccrual loans						$	32,742					$	54,994					$	35,254					$	38,976

Past due loans by loan portfolio segment and loan class

The following tables present an aging analysis of past due loans by loan portfolio segment and loan sub-class:

			At December 31, 2024
			Past Due and Still Accruing
(in thousands)			30-59 days						60-89 days						90 days or more						Nonaccrual						Total past due and nonaccrual (1)						Current						Total loans
CRE
Non-owner occupied CRE			$	—					$	—					$	—					$	16,230					$	16,230					$	554,520					$	570,750
Multifamily			—						—						—						1,915						1,915						2,990,760						2,992,675
Construction/land development
Multifamily construction			—						—						—						—						—						98,906						98,906
CRE construction			—						—						—						3,821						3,821						7,217						11,038
Single family construction			—						—						—						—						—						320,826						320,826
Single family construction to permanent			—						—						—						—						—						41,970						41,970
Total			—						—						—						21,966						21,966						4,014,199						4,036,165
Commercial and industrial loans
Owner occupied CRE			—						—						—						1,161						1,161						360,836						361,997
Commercial business			—						—						—						25,740						25,740						286,264						312,004
Total			—						—						—						26,901						26,901						647,100						674,001
Consumer loans
Single family			4,601						1,096						4,354			(2)			2,990						13,041						1,096,054						1,109,095
Home equity and other			344						631						—						3,137						4,112						408,423						412,535
Total			4,945						1,727						4,354						6,127						17,153						1,504,477						1,521,630			(3)
Total loans			$	4,945					$	1,727					$	4,354					$	54,994					$	66,020					$	6,165,776					$	6,231,796
%			0.08		%				0.03		%				0.07		%				0.88		%				1.06		%				98.94		%				100.00		%

			At December 31, 2023
			Past Due and Still Accruing
(in thousands)			30-59 days						60-89 days						90 days or more						Nonaccrual						Total past due and nonaccrual (1)						Current						Total loans
CRE
Non-owner occupied CRE			$	—					$	—					$	—					$	16,803					$	16,803					$	625,082					$	641,885
Multifamily			—						1,915						—						—						1,915						3,938,274						3,940,189
Construction/land development
Multifamily construction			—						—						—						—						—						168,049						168,049
CRE construction			—						—						—						3,821						3,821						14,692						18,513
Single family construction			—						—						—						—						—						274,050						274,050
Single family construction to permanent			—						—						—						—						—						105,304						105,304
Total			—						1,915						—						20,624						22,539						5,125,451						5,147,990
Commercial and industrial loans
Owner occupied CRE			—						—						—						706						706						390,579						391,285
Commercial business			—						—						—						13,686						13,686						345,363						359,049
Total			—						—						—						14,392						14,392						735,942						750,334
Consumer loans
Single family			5,174						1,993						4,261			(2)			2,650						14,078						1,126,201						1,140,279
Home equity and other			974						225						—						1,310						2,509						381,792						384,301
Total			6,148						2,218						4,261						3,960						16,587						1,507,993						1,524,580			(3)
Total loans			$	6,148					$	4,133					$	4,261					$	38,976					$	53,518					$	7,369,386					$	7,422,904
%			0.08		%				0.05		%				0.06		%				0.53		%				0.72		%				99.28		%				100.00		%

(1)Includes loans whose repayments are insured by the FHA or guaranteed by the VA or SBA of $11.3 million and $12.4 million at December 31, 2024 and 2023, respectively.

(2)FHA-insured and VA-guaranteed single family loans that are 90 days or more past due are maintained on accrual status if they are determined to have little to no risk of loss.

(3)Includes $1.3 million of loans at December 31, 2024 and 2023, where a fair value option election was made at the time of origination and, therefore, are carried at fair value with changes in fair value recognized in our consolidated income statements.

Financing receivable, modified

The following tables provide information related to MBFDs for years ended December 31, 2024 and 2023 disaggregated by class of financing receivable and type of concession granted:

			Significant Payment Delay
			Years Ended December 31,
			2024												2023
(in thousands, except percentages)			Amortized Cost Basis at Period End						% of Total Class of Financing Receivable						Amortized Cost Basis at Period End						% of Total Class of Financing Receivable
Multifamily			$	1,915					0.06		%				$	—					—		%
Commercial business			1,446						0.46		%				839						0.23		%
Single family			85						0.01		%				1,082						0.09		%

			Term Extension
			Years Ended December 31,
			2024												2023
(in thousands, except percentages)			Amortized Cost Basis at Period End						% of Total Class of Financing Receivable						Amortized Cost Basis at Period End						% of Total Class of Financing Receivable
Commercial business			$	1,536					0.49		%				$	9,850					2.74		%
Single family			—						—		%				273						0.02		%

			Interest Rate Reduction and Significant Payment Delay
			Years Ended December 31,
			2024												2023
(in thousands, except percentages)			Amortized Cost Basis at Period End						% of Total Class of Financing Receivable						Amortized Cost Basis at Period End						% of Total Class of Financing Receivable
Commercial business			$	4,420					1.42		%				$	—					—		%

			Significant Payment Delay and Term Extension
			Years Ended December 31,
			2024												2023
(in thousands, except percentages)			Amortized Cost Basis at Period End						% of Total Class of Financing Receivable						Amortized Cost Basis at Period End						% of Total Class of Financing Receivable
Non-owner occupied CRE			$	19,331					3.39		%				$	16,230					2.53		%
Construction/land development			—						—		%				3,821						0.68		%
Owner occupied CRE			254						0.07		%				—						—		%
Commercial business			410						0.13		%				—						—		%
Single family			3,668						0.33		%				2,526						0.22		%

			Interest Rate Reduction, Significant Payment Delay and Term Extension
			Years Ended December 31,
			2024												2023
(in thousands, except percentages)			Amortized Cost Basis at Period End						% of Total Class of Financing Receivable						Amortized Cost Basis at Period End						% of Total Class of Financing Receivable
Construction/land development			$	3,821					0.81		%				$	—					—		%
Single family			—						—		%				191						0.02		%

Financing receivable, loan modifications, financial effect

The following tables describes the financial effect of the MBFDs:

			Interest Rate Reduction
			Years Ended December 31,
			2024						2023
Construction/land development			Reduced weighted-average contractual interest rate from 7.75% to 5.00%.						—
Commercial business			Reduced weighted-average contractual interest rate from 7.75% to 5.00%.						—
Single family			—						Reduced weighted-average contractual interest rate from 5.25% to 5.00%.
			Significant Payment Delay
			Years Ended December 31,
			2024						2023
Non-owner occupied CRE			The weighted average duration of loan payments deferred is 0.8 years.						The weighted average duration of loan payments deferred is 3.7 years.
Multifamily			The weighted average duration of loan payments deferred is 1.5 years.						—
Construction/land development			The weighted average duration of loan payments deferred is 0.6 years.						The weighted average duration of loan payments deferred is 2.7 years.
Owner occupied CRE			The weighted average duration of loan payments deferred is 3.0 years.						—
Commercial business			The weighted average duration of loan payments deferred is 0.6 years.						The weighted average duration of loan payments deferred is 5.2 years.
Single family			Provided payment deferrals to borrowers. A weighted average 0.41% of loan balances were capitalized and added to the remaining term of the loan.						Provided payment deferrals to borrowers. A weighted average 0.37% of loan balances were capitalized and added to the remaining term of the loan.
			Term Extension
			Years Ended December 31,
			2024						2023
Non-owner occupied CRE			Added a weighted average 0.8 years to the life of loans, which reduced the monthly payment amounts to the borrowers.						Added a weighted average 2.1 years to the life of loans, which reduced the monthly payment amounts to the borrowers.
Construction/land development			Added a weighted average 0.6 years to the life of loans, which reduced the monthly payment amounts to the borrowers.						Added a weighted average 1.6 years to the life of loans, which reduced the monthly payment amounts to the borrowers.
Owner occupied CRE			Added a weighted average 3.0 years to the life of loans, which reduced the monthly payment amounts to the borrowers.						—
Commercial business			Added a weighted average 0.8 years to the life of loans, which reduced the monthly payment amounts to the borrowers.						Added a weighted average 1.2 years to the life of loans, which reduced the monthly payment amounts to the borrowers.
Single family			Added a weighted average 3.9 years to the life of loans, which reduced the monthly payment amounts to the borrowers.						Added a weighted average 4.9 years to the life of loans, which reduced the monthly payment amounts to the borrowers.

Financing receivable, loan modifications, subsequent default, by payment status

The following table depicts the payment status of loans that were modified to borrowers experiencing financial difficulties on or after October 1, 2023 through September 30, 2024:

			Payment Status (Amortized Cost Basis) at December 31, 2024
(in thousands)			Current						30-89 Days Past Due						90+ Days Past Due
Multifamily			$	—					$	—					$	1,915
Commercial business			1,157						—						1,150
Single family			1,690						—						875
Total			$	2,847					$	—					$	3,940

The following table depicts the payment status of loans that were modified to borrowers experiencing financial difficulties on or after October 1, 2022 through September 30, 2023:

			Payment Status (Amortized Cost Basis) at December 31, 2023
(in thousands)			Current						30-89 Days Past Due						90+ Days Past Due
Non-owner occupied CRE			$	16,230					$	—					$	—
Construction/land development			3,821						—						—
Commercial business			8,873						976						—
Single family			2,627						1,285						324
Total			$	31,551					$	2,261					$	324

The following tables provide the amortized cost basis as of December 31, 2024 of MBFDs, on or after October 1, 2023 through September 30, 2024 and that subsequently had a payment default:

						Amortized Cost Basis of Modified Loans That Subsequently Defaulted Year Ended December 31, 2024
(in thousands)						Significant Payment Delay						Term Extension						Interest Rate Reduction and Term Extension						Significant Payment Delay and Term Extension						Interest Rate Reduction, Significant Payment Delay and Term Extension
Commercial business						$	—					$	1,150					$	—					$	—					$	—
Single family						238						—						—						637						—
Total						$	238					$	1,150					$	—					$	637					$	—

The following tables provide the amortized cost basis as of December 31, 2023 of MBFDs, on or after October 1, 2022 through September 30, 2023 and subsequently had a payment default:

						Amortized Cost Basis of Modified Loans That Subsequently Defaulted Year Ended December 31, 2023
(in thousands)						Significant Payment Delay						Term Extension						Interest Rate Reduction and Term Extension						Significant Payment Delay and Term Extension						Interest Rate Reduction, Significant Payment Delay and Term Extension
Commercial business						$	—					$	976					$	—					$	—					$	—
Single family						—						—						—						1,354						—
Total						$	—					$	976					$	—					$	1,354					$	—

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