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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, 2025 | Mar. 31, 2024 | Dec. 31, 2024
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | $ 38,743 | $ 40,500 | $ 40,500
Charge-offs | (61) | (1,105) | (3,141)
Provision | 64 | 40 |
Provision | 888 | 242 |
Ending balance | 39,634 | 39,677 | 38,743
Commercial and industrial loans | Real Estate Sector |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 24,484 | 27,912 | 27,912
Charge-offs | 0 | 0 |
Provision | 0 | 0 |
Provision | (3,154) | 988 |
Ending balance | 21,330 | 28,900 | 24,484
Commercial and industrial loans | Commercial and Industrial Sector |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 7,462 | 3,849 | 3,849
Charge-offs | (21) | (1,081) |
Provision | 25 | 1 |
Provision | 3,780 | 713 |
Ending balance | 11,246 | 3,482 | 7,462
Commercial and industrial loans | Non-owner occupied CRE |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 1,739 | 2,610 | 2,610
Charge-offs | 0 | 0 |
Provision | 0 | 0 |
Provision | (81) | (479) |
Ending balance | 1,658 | 2,131 | 1,739
Commercial and industrial loans | Multifamily |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 14,909 | 13,093 | 13,093
Charge-offs | 0 | 0 |
Provision | 0 | 0 |
Provision | (1,622) | 5,854 |
Ending balance | 13,287 | 18,947 | 14,909
Commercial and industrial loans | Multifamily construction |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 849 | 3,983 | 3,983
Charge-offs | 0 | 0 |
Provision | 0 | 0 |
Provision | (381) | (2,362) |
Ending balance | 468 | 1,621 | 849
Commercial and industrial loans | CRE construction |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 66 | 189 | 189
Charge-offs | 0 | 0 |
Provision | 0 | 0 |
Provision | 7 | (1) |
Ending balance | 73 | 188 | 66
Commercial and industrial loans | Single family construction |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 6,737 | 7,365 | 7,365
Charge-offs | 0 | 0 |
Provision | 0 | 0 |
Provision | (1,033) | (1,787) |
Ending balance | 5,704 | 5,578 | 6,737
Commercial and industrial loans | Single family construction to permanent |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 184 | 672 | 672
Charge-offs | 0 | 0 |
Provision | 0 | 0 |
Provision | (44) | (237) |
Ending balance | 140 | 435 | 184
Commercial and industrial loans | Owner occupied CRE |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 576 | 899 | 899
Charge-offs | 0 | 0 |
Provision | 0 | 0 |
Provision | 22 | (63) |
Ending balance | 598 | 836 | 576
Commercial and industrial loans | Commercial business |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 6,886 | 2,950 | 2,950
Charge-offs | (21) | (1,081) | (2,963)
Provision | 25 | 1 |
Provision | 3,758 | 776 |
Ending balance | 10,648 | 2,646 | 6,886
Consumer loans |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 6,797 | 8,739 | 8,739
Charge-offs | (40) | (24) |
Provision | 39 | 39 |
Provision | 262 | (1,459) |
Ending balance | 7,058 | 7,295 | 6,797
Consumer loans | Single family |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 3,610 | 5,287 | 5,287
Charge-offs | 0 | 0 |
Provision | 2 | 2 |
Provision | 90 | (1,016) |
Ending balance | 3,702 | 4,273 | 3,610
Consumer loans | Home equity and other |  |  |
Allowance for credit losses by loan portfolio |  |  |
Beginning balance | 3,187 | 3,452 | 3,452
Charge-offs | (40) | (24) | (178)
Provision | 37 | 37 |
Provision | 172 | (443) |
Ending balance | $ 3,356 | $ 3,022 | $ 3,187

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