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Loans and Lease Finance Receivables and Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2023

Receivables [Abstract]

Summary of Components of Loans and Lease Finance Receivables, Excluding PCI Loans

The following table provides a summary of total loans and lease finance receivables by type.

	December 31,
	2023				2022
	(Dollars in thousands)
Commercial real estate	$	6,784,505			$	6,884,948
Construction		66,734				88,271
SBA		270,619				290,908
SBA - Paycheck Protection Program (PPP)		2,736				9,087
Commercial and industrial		969,895				948,683
Dairy & livestock and agribusiness		412,891				433,564
Municipal lease finance receivables		73,590				81,126
SFR mortgage		269,868				266,024
Consumer and other loans		54,072				76,781
Total loans, at amortized cost		8,904,910				9,079,392
Less: Allowance for credit losses		(86,842	)			(85,117	)
Total loans and lease finance receivables, net	$	8,818,068			$	8,994,275

Summary of Loans by Type and Origination Year, According to our Internal Risk Ratings

The following table summarizes loans by type and origination year, according to our internal risk ratings as of the dates presented.

	Origination Year																								Revolving loans amortized				Revolving loans converted to
December 31, 2023	2023				2022				2021				2020				2019				Prior				cost basis				term loans				Total
	(Dollars in thousands)
Commercial real estate    loans:
Risk Rating:
Pass	$	447,991			$	1,315,563			$	1,133,331			$	885,590			$	497,541			$	2,041,329			$	171,223			$	38,568			$	6,531,136
Special Mention		3,241				3,897				15,868				19,368				43,824				74,673				2,911				—				163,782
Substandard		744				8,127				2,891				33,401				12,986				30,637				801				—				89,587
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Commercial real    estate loans:	$	451,976			$	1,327,587			$	1,152,090			$	938,359			$	554,351			$	2,146,639			$	174,935			$	38,568			$	6,784,505
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Construction loans:
Risk Rating:
Pass	$	1,274			$	15,046			$	22,288			$	8,058			$	—			$	—			$	17,938			$	—			$	64,604
Special Mention		—				—				2,130				—				—				—				—				—				2,130
Substandard		—				—				—				—				—				—				—				—				—
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Construction    loans:	$	1,274			$	15,046			$	24,418			$	8,058			$	—			$	—			$	17,938			$	—			$	66,734
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
SBA loans:
Risk Rating:
Pass	$	20,701			$	48,212			$	51,038			$	29,306			$	6,236			$	101,856			$	—			$	—			$	257,349
Special Mention		—				1,627				—				4,784				1,132				1,760				—				—				9,303
Substandard		—				—				—				—				749				3,218				—				—				3,967
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total SBA loans:	$	20,701			$	49,839			$	51,038			$	34,090			$	8,117			$	106,834			$	—			$	—			$	270,619
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	288			$	—			$	—			$	288
SBA - PPP loans:
Risk Rating:
Pass	$	—			$	—			$	699			$	2,037			$	—			$	—			$	—			$	—			$	2,736
Special Mention		—				—				—				—				—				—				—				—				—
Substandard		—				—				—				—				—				—				—				—				—
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total SBA - PPP loans:	$	—			$	—			$	699			$	2,037			$	—			$	—			$	—			$	—			$	2,736
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial and    industrial loans:
Risk Rating:
Pass	$	141,080			$	143,847			$	100,059			$	88,743			$	68,352			$	94,027			$	289,539			$	5,460			$	931,107
Special Mention		7,829				738				745				552				4,114				3,986				10,529				5,347				33,840
Substandard		—				257				—				—				89				1,296				2,487				819				4,948
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Commercial and    industrial loans:	$	148,909			$	144,842			$	100,804			$	89,295			$	72,555			$	99,309			$	302,555			$	11,626			$	969,895
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	109			$	109

	Origination Year																								Revolving loans amortized				Revolving loans converted to
December 31, 2023	2023				2022				2021				2020				2019				Prior				cost basis				term loans				Total
	(Dollars in thousands)
Dairy & livestock and    agribusiness loans:
Risk Rating:
Pass	$	296			$	—			$	1,586			$	931			$	80			$	208			$	337,525			$	—			$	340,626
Special Mention		448				—				—				—				25				—				69,232				—				69,705
Substandard		—				—				—				—				—				60				2,500				—				2,560
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Dairy & livestock    and agribusiness    loans:	$	744			$	—			$	1,586			$	931			$	105			$	268			$	409,257			$	—			$	412,891
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Municipal lease finance    receivables loans:
Risk Rating:
Pass	$	—			$	5,735			$	25,803			$	5,981			$	4,267			$	31,622			$	—			$	—			$	73,408
Special Mention		—				—				—				—				—				182				—				—				182
Substandard		—				—				—				—				—				—				—				—				—
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Municipal lease    finance receivables    loans:	$	—			$	5,735			$	25,803			$	5,981			$	4,267			$	31,804			$	—			$	—			$	73,590
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
SFR mortgage loans:
Risk Rating:
Pass	$	22,248			$	61,070			$	43,573			$	44,076			$	28,049			$	67,750			$	—			$	—			$	266,766
Special Mention		789				—				—				918				544				327				—				—				2,578
Substandard		—				—				—				—				—				200				—				324				524
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total SFR mortgage    loans:	$	23,037			$	61,070			$	43,573			$	44,994			$	28,593			$	68,277			$	—			$	324			$	269,868
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Consumer and other    loans:
Risk Rating:
Pass	$	4,911			$	4,122			$	2,707			$	702			$	644			$	486			$	38,595			$	871			$	53,038
Special Mention		—				—				246				—				—				—				4				173				423
Substandard		—				—				—				—				—				12				1				598				611
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Consumer and    other loans:	$	4,911			$	4,122			$	2,953			$	702			$	644			$	498			$	38,600			$	1,642			$	54,072
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	4			$	—			$	4			$	8
Total Loans, at amortized cost:
Risk Rating:
Pass	$	638,501			$	1,593,595			$	1,381,084			$	1,065,424			$	605,169			$	2,337,278			$	854,820			$	44,899			$	8,520,770
Special Mention		12,307				6,262				18,989				25,622				49,639				80,928				82,676				5,520				281,943
Substandard		744				8,384				2,891				33,401				13,824				35,423				5,789				1,741				102,197
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Loans at amortized cost:	$	651,552			$	1,608,241			$	1,402,964			$	1,124,447			$	668,632			$	2,453,629			$	943,285			$	52,160			$	8,904,910
Current YTD Period:   Gross charge-offs	$	—			$	—			$	—			$	—			$	—			$	292			$	—			$	113			$	405

	Origination Year																								Revolving loans amortized				Revolving loans converted to
December 31, 2022	2022				2021				2020				2019				2018				Prior				cost basis				term loans				Total
	(Dollars in thousands)
Commercial real estate    loans:
Risk Rating:
Pass	$	1,363,733			$	1,197,290			$	957,965			$	542,827			$	506,613			$	1,889,478			$	175,373			$	39,616			$	6,672,895
Special Mention		3,285				12,114				11,284				32,976				21,646				76,290				908				—				158,503
Substandard		—				—				15,624				16,297				94				21,535				—				—				53,550
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Commercial real    estate loans:	$	1,367,018			$	1,209,404			$	984,873			$	592,100			$	528,353			$	1,987,303			$	176,281			$	39,616			$	6,884,948
Construction loans:
Risk Rating:
Pass	$	17,203			$	26,689			$	16,578			$	—			$	—			$	—			$	22,850			$	—			$	83,320
Special Mention		—				—				—				—				4,951				—				—				—				4,951
Substandard		—				—				—				—				—				—				—				—				—
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Construction    loans:	$	17,203			$	26,689			$	16,578			$	—			$	4,951			$	—			$	22,850			$	—			$	88,271
SBA loans:
Risk Rating:
Pass	$	60,623			$	54,781			$	35,243			$	7,460			$	28,886			$	96,473			$	1,026			$	—			$	284,492
Special Mention		—				—				—				1,321				1,293				2,065				—				—				4,679
Substandard		—				—				—				—				556				1,181				—				—				1,737
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total SBA loans:	$	60,623			$	54,781			$	35,243			$	8,781			$	30,735			$	99,719			$	1,026			$	—			$	290,908
SBA - PPP loans:
Risk Rating:
Pass	$	—			$	5,515			$	3,572			$	—			$	—			$	—			$	—			$	—			$	9,087
Special Mention		—				—				—				—				—				—				—				—				—
Substandard		—				—				—				—				—				—				—				—				—
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total SBA - PPP loans:	$	—			$	5,515			$	3,572			$	—			$	—			$	—			$	—			$	—			$	9,087
Commercial and    industrial loans:
Risk Rating:
Pass	$	154,765			$	135,162			$	80,763			$	101,192			$	42,731			$	85,406			$	305,589			$	7,775			$	913,383
Special Mention		3,955				761				459				1,693				462				8				15,156				544				23,038
Substandard		494				—				728				959				5,624				496				3,200				761				12,262
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Commercial and    industrial loans:	$	159,214			$	135,923			$	81,950			$	103,844			$	48,817			$	85,910			$	323,945			$	9,080			$	948,683

	Origination Year																								Revolving loans amortized				Revolving loans converted to
December 31, 2022	2022				2021				2020				2019				2018				Prior				cost basis				term loans				Total
	(Dollars in thousands)
Dairy & livestock and    agribusiness loans:
Risk Rating:
Pass	$	207			$	2,318			$	1,515			$	187			$	69			$	628			$	400,229			$	450			$	405,603
Special Mention		—				—				—				599				46				—				17,129				853				18,627
Substandard		1,041				—				40				—				95				113				1,841				6,204				9,334
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Dairy & livestock    and agribusiness    loans:	$	1,248			$	2,318			$	1,555			$	786			$	210			$	741			$	419,199			$	7,507			$	433,564
Municipal lease finance    receivables loans:
Risk Rating:
Pass	$	6,442			$	26,858			$	6,814			$	4,327			$	4,948			$	31,292			$	—			$	—			$	80,681
Special Mention		—				—				—				—				—				262				—				—				262
Substandard		—				—				—				—				—				183				—				—				183
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Municipal lease    finance receivables    loans:	$	6,442			$	26,858			$	6,814			$	4,327			$	4,948			$	31,737			$	—			$	—			$	81,126
SFR mortgage loans:
Risk Rating:
Pass	$	63,761			$	46,748			$	45,819			$	33,585			$	15,836			$	58,730			$	—			$	—			$	264,479
Special Mention		—				—				943				—				—				—				—				—				943
Substandard		—				—				—				—				—				214				—				388				602
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total SFR mortgage    loans:	$	63,761			$	46,748			$	46,762			$	33,585			$	15,836			$	58,944			$	—			$	388			$	266,024
Consumer and other    loans:
Risk Rating:
Pass	$	7,653			$	3,722			$	1,298			$	926			$	79			$	1,277			$	58,578			$	1,107			$	74,640
Special Mention		—				561				—				—				—				—				590				—				1,151
Substandard		—				—				—				—				—				13				5				972				990
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Consumer and    other loans:	$	7,653			$	4,283			$	1,298			$	926			$	79			$	1,290			$	59,173			$	2,079			$	76,781
Total Loans, at amortized cost:
Risk Rating:
Pass	$	1,674,387			$	1,499,083			$	1,149,567			$	690,504			$	599,162			$	2,163,284			$	963,645			$	48,948			$	8,788,580
Special Mention		7,240				13,436				12,686				36,589				28,398				78,625				33,783				1,397				212,154
Substandard		1,535				—				16,392				17,256				6,369				23,735				5,046				8,325				78,658
Doubtful & Loss		—				—				—				—				—				—				—				—				—
Total Loans at amortized cost:	$	1,683,162			$	1,512,519			$	1,178,645			$	744,349			$	633,929			$	2,265,644			$	1,002,474			$	58,670			$	9,079,392

Schedule of Balance and Activity Related to Allowance for Loan Losses for Held-for-Investment Loans by Type

The following tables present the balance and activity related to the allowance for credit losses for held-for-investment loans by type for the periods presented.

		Year Ended December 31, 2023
		Ending Balance December 31, 2022				Charge-offs				Recoveries				Provision for (Recapture of) Credit Losses				Ending Balance December 31, 2023
		(Dollars in thousands)
Commercial real estate		$	64,806			$	—			$	—			$	4,660			$	69,466
Construction			1,702				—				12				(437	)			1,277
SBA			2,809				(288	)			73				85				2,679
SBA - PPP			—				—				—				—				—
Commercial and industrial			10,206				(109	)			14				(995	)			9,116
Dairy & livestock and agribusiness			4,400				—				31				(1,333	)			3,098
Municipal lease finance    receivables			296				—				—				(86	)			210
SFR mortgage			366				—				—				169				535
Consumer and other loans			532				(8	)			—				(63	)			461
Total allowance for credit losses		$	85,117			$	(405	)		$	130			$	2,000			$	86,842

		Year Ended December 31, 2022
		Ending Balance December 31, 2021				Charge-offs				Recoveries				Initial ACL for PCD Loans at Acquisition				Provision Recorded at Acquisition				Provision for (Recapture of) Credit Losses				Ending Balance December 31, 2022
		(Dollars in thousands)
Commercial real estate		$	50,950			$	—			$	—			$	5,086			$	4,127			$	4,643			$	64,806
Construction			765				—				12			122				58					745				1,702
SBA			2,668				(127	)			107			62				64					35				2,809
SBA - PPP			—				—				—				—				—				—				—
Commercial and industrial			6,669				(66	)			503			500				508					2,092				10,206
Dairy & livestock and agribusiness			3,066				—				468			2832				149					(2,115	)			4,400
Municipal lease finance    receivables			100				—				—			3				26					167				296
SFR mortgage			188				—				—				—				—				178				366
Consumer and other loans			613				(4	)			—				—				—				(77	)			532
Total allowance for loan losses		$	65,019			$	(197	)		$	1,090			$	8,605			$	4,932			$	5,668			$	85,117

		Year Ended December 31, 2021
		Ending Balance December 31, 2020				Charge-offs				Recoveries				Provision for (Recapture of) Credit Losses				Ending Balance December 31, 2021
		(Dollars in thousands)
Commercial real estate		$	75,439			$	—			$	—			$	(24,489	)		$	50,950
Construction			1,934				—				58				(1,227	)			765
SBA			2,992				(223	)			23				(124	)			2,668
SBA - PPP			—				—				—				—				—
Commercial and industrial			7,142				(3,019	)			12				2,534				6,669
Dairy & livestock and agribusiness			3,949				(118	)			—				(765	)			3,066
Municipal lease finance    receivables			74				—				—				26				100
SFR mortgage			367				—				79				(258	)			188
Consumer and other loans			1,795				(11	)			26				(1,197	)			613
Total allowance for credit losses		$	93,692			$	(3,371	)		$	198			$	(25,500	)		$	65,019

Schedule of Recorded Investment in, and Aging of, Past Due and Nonaccrual Loans, Including PCI Loans by Class of Loans

The following table presents the recorded investment in, and the aging of, past due loans (including nonaccrual loans), by type of loans as of the date presented.

	December 31, 2023
	30-59 Days Past Due				60-89 Days Past Due				Greater than 89 Days Past Due				Total Past Due				Loans Not Past Due				Total Loans and Financing Receivables
	(Dollars in thousands)
Commercial real estate
Owner occupied	$	300			$	—			$	2,505			$	2,805			$	2,430,447			$	2,433,252
Non-owner occupied		16				—				531				547				4,350,706				4,351,253
Construction
Speculative (1)		—				—				—				—				57,921				57,921
Non-speculative		—				—				—				—				8,813				8,813
SBA		—				108				969				1,077				269,542				270,619
SBA - PPP		—				—				—				—				2,736				2,736
Commercial and industrial		12				—				4,253				4,265				965,630				969,895
Dairy & livestock and agribusiness		—				—				—				—				412,891				412,891
Municipal lease finance receivables		—				—				—				—				73,590				73,590
SFR mortgage		201				—				—				201				269,667				269,868
Consumer and other loans		18				—				—				18				54,054				54,072
Total gross loans	$	547			$	108			$	8,258			$	8,913			$	8,895,997			$	8,904,910

(1)Speculative construction loans are generally for properties where there is no identified buyer or renter.

	December 31, 2022
	30-59 Days Past Due				60-89 Days Past Due				Greater than 89 Days Past Due				Total Past Due				Loans Not Past Due				Total Loans and Financing Receivables
	(Dollars in thousands)
Commercial real estate
Owner occupied	$	—			$	—			$	2,639			$	2,639			$	2,482,471			$	2,485,110
Non-owner occupied		—				—				—				—				4,399,838				4,399,838
Construction
Speculative (1)		—				—				—				—				67,436				67,436
Non-speculative		—				—				—				—				20,835				20,835
SBA		374				182				443				999				289,909				290,908
SBA - PPP		—				—				—				—				9,087				9,087
Commercial and industrial		—				—				1,318				1,318				947,365				948,683
Dairy & livestock and agribusiness		—				—				269				269				433,295				433,564
Municipal lease finance receivables		—				—				—				—				81,126				81,126
SFR mortgage		—				388				—				388				265,636				266,024
Consumer and other loans		175				—				33				208				76,573				76,781
Total gross loans	$	549			$	570			$	4,702			$	5,821			$	9,073,571			$	9,079,392

(1) Speculative construction loans are generally for properties where there is no identified buyer or renter.

Amortized cost of our finance receivables and loans that are on nonaccrual status, including loans with no allowance are presented as of December 31, 2023 and December 31, 2022 by type of loan.

	December 31, 2023
	Nonaccrual with No Allowance for Credit Losses				Total Nonaccrual (1)				Loans Past Due Over 89 Days Still Accruing
	(Dollars in thousands)
Commercial real estate
Owner occupied	$	2,505			$	2,505			$	—
Non-owner occupied		548				12,935				—
Construction
Speculative (2)		—				—				—
Non-speculative		—				—				—
SBA		787				969				—
SBA - PPP		—				—				—
Commercial and industrial		908				4,509				—
Dairy & livestock and agribusiness		60				60				—
Municipal lease finance receivables		—				—				—
SFR mortgage		323				324				—
Consumer and other loans		—				—				—
Total loans	$	5,131			$	21,302			$	—

(1)As of December 31, 2023, $13.0 million of nonaccruing loans were current, $16,000 were 30-59 days past due, and $8.3 million were 90+ days past due.

(2)Speculative construction loans are generally for properties where there is no identified buyer or renter.

	December 31, 2022
	Nonaccrual with No Allowance for Credit Losses				Total Nonaccrual (1) (3)				Loans Past Due Over 89 Days Still Accruing
	(Dollars in thousands)
Commercial real estate
Owner occupied	$	2,639			$	2,639			$	—
Non-owner occupied		18				18				—
Construction
Speculative (2)		—				—				—
Non-speculative		—				—				—
SBA		268				443				—
SBA - PPP		—				—				—
Commercial and industrial		771				1,320				—
Dairy & livestock and agribusiness		364				477				—
Municipal lease finance receivables		—				—				—
SFR mortgage		—				—				—
Consumer and other loans		34				33				—
Total loans	$	4,094			$	4,930			$	—

(1)As of December 31, 2022, $228,000 of nonaccruing loans were current and $4.7 million were 90+ days past due.

(2)Speculative construction loans are generally for properties where there is no identified buyer or renter.

(3)Excludes $221,000 of guaranteed portion of nonaccrual SBA loans that are in process of collection.

Summary of Pledged Assets not Separately Reported on Statement of Financial Position

The following table presents the recorded investment in collateral-dependent loans by type of loans as of the date presented.

	December 31, 2023												Number of Loans
	Real Estate				Business Assets				Other				Dependent on Collateral
	(Dollars in thousands)
Commercial real estate	$	15,440			$	—			$	—				5
Construction		—				—				—				—
SBA		749				220				—				4
SBA - PPP		—				—				—				—
Commercial and industrial		392				2,950				1,167				8
Dairy & livestock and agribusiness		60				—				—				1
Municipal lease finance receivables		—				—				—				—
SFR mortgage		324				—				—				1
Consumer and other loans		—				—				—				—
Total collateral-dependent loans	$	16,965			$	3,170			$	1,167				19

	December 31, 2022												Number of Loans
	Real Estate				Business Assets				Other				Dependent on Collateral
	(Dollars in thousands)
Commercial real estate	$	17,935			$	—			$	—				4
Construction		—				—				—				—
SBA		151				292				—				6
SBA - PPP		—				—				—				—
Commercial and industrial		87				2,774				81				13
Dairy & livestock and agribusiness		269				2,000				208				4
Municipal lease finance receivables		—				—				—				—
SFR mortgage		—				—				—				—
Consumer and other loans		33				—				—				1
Total collateral-dependent loans	$	18,475			$	5,066			$	289				28

Summary of Amortized Cost of Loans Activity

The table below reflects the amortized cost of loans by type made to borrowers experiencing financial difficulty that were modified as of December 31, 2023.

			Term Extension
			Amortized Cost Basis				% of Total Class of
			at December 31, 2023				Financing Receivables
			(Dollars in thousands)
	Commercial real estate loans		$	2,550				0.03	%
	Commercial and industrial			1,305				0.01	%
	Dairy & livestock and agribusiness			4,639				0.05	%
	Total		$	8,494
			Combination-Term Extension and Interest Rate Reduction
			Amortized Cost Basis				% of Total Class of
			at December 31, 2023				Financing Receivables
	Commercial real estate loans		$	688				0.01	%
	Commercial and industrial			278				0.00	%
	Total		$	966

Summary of Financial Effect of the Loan Activity

The following table describes the financial effect of the loan modifications made to borrowers experiencing financial difficulty as of December 31, 2023.

	Loan Type		Financial Effect
			Term Extension
	Commercial real estate loans		Added a weighted-average 1.0 years to the life of loans, which reduced monthly payment amounts for the borrowers.
	Commercial and industrial		Added a weighted-average 0.3 years to the life of loans, which reduced monthly payment amounts for the borrowers.
	Dairy & livestock and agribusiness		Added a weighted-average 0.5 years to the life of loans, which reduced monthly payment amounts for the borrowers.
			Combination-Term Extension and Interest Rate Reduction
	Commercial real estate loans		Added a weighted-average 7.6 years to the life of loans, which reduced monthly payment amounts for the borrowers; reduced weighted-average contractual interest rate from 10% to 7.25%.
	Commercial and industrial		Added a weighted-average 2.0 years to the life of loans, which reduced monthly payment amounts for the borrowers; reduced weighted-average contractual interest rate from 10% to 7.75%.

Summary of Recorded Investments or Past Due Loans At Amortized Cost

The following table presents the recorded investment in, and the aging of, past due loans at amortized cost (including nonaccrual loans), by type of loans, made to borrowers experiencing financial difficulty that were modified on or after January 1, 2023, the date we adopted ASU 2022-02.

			Payment Status (amortized cost basis)
			Current				30-89 Days Past Due				90+ Days Past Due
			(Dollars in thousands)
	Commercial real estate loans		$	3,238			$	—			$	—
	Commercial and industrial			1,583				—				—
	Dairy & livestock and agribusiness			4,639				—				—
	Total		$	9,460			$	—			$	—

Summary of Activity Related to Troubled Debt Restructurings

The following table provides a summary of the activity related to TDRs for the periods presented.

		Year Ended December 31,
		2022
Performing TDRs:
Beginning balance		$	5,293
New modifications			5,204
Payoffs/payments, net and other			(2,680	)
TDRs returned to accrual status			—
TDRs placed on nonaccrual status			—
Ending balance		$	7,817
Nonperforming TDRs:
Beginning balance		$	—
New modifications			—
Charge-offs			—
Transfer to OREO			—
Payoffs/payments, net and other			—
TDRs returned to accrual status			—
TDRs placed on nonaccrual status			—
Ending balance		$	—
Total TDRs		$	7,817

Summary of Loans Modified as Troubled Debt Restructurings

The following tables summarize loans modified as TDRs for the periods presented.

Modifications (1)

	For the Year Ended December 31, 2022
	Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment				Outstanding Recorded Investment at December 31, 2022				Financial Effect Resulting From Modifications (2)
	(Dollars in thousands)
Commercial real estate:
Interest rate reduction		—			$	—			$	—			$	—			$	—
Change in amortization period    or maturity		—				—				—				—				—
Commercial and industrial:
Interest rate reduction		—				—				—				—				—
Change in amortization period    or maturity		2				3,204				3,204				3,204				—
Dairy & livestock and agribusiness:
Interest rate reduction		1				2,000				2,000				2,000				—
Change in amortization period    or maturity		—				—				—				—				—
SFR mortgage:
Interest rate reduction		—				—				—				—				—
Change in amortization period    or maturity		—				—				—				—				—
Total loans		3			$	5,204			$	5,204			$	5,204			$	—

(1)The tables above exclude modified loans that were paid off prior to the end of the period.

(2)Financial effects resulting from modifications represent charge-offs and current allowance for credit losses at modification date.

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