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LOANS RECEIVABLE AND THE ALLOWANCE FOR CREDIT LOSSES (Tables)

3 Months Ended

Mar. 31, 2023

Receivables [Abstract]

Schedule of Loans Receivable, Including Loans Held for Sale

The following table presents the loans receivable at March 31, 2023 and December 31, 2022 by class (dollars in thousands).

			March 31, 2023												December 31, 2022
			Amount						Percent of Total						Amount						Percent of Total
Commercial real estate:
Owner-occupied			$	865,705					8.5		%				$	845,320					8.3		%
Investment properties			1,520,261						15.0						1,589,975						15.7
Small balance CRE			1,179,749						11.6						1,200,251						11.8
Multifamily real estate			696,864						6.8						645,071						6.4
Construction, land and land development:
Commercial construction			191,051						1.9						184,876						1.8
Multifamily construction			362,425						3.6						325,816						3.2
One- to four-family construction			584,655						5.8						647,329						6.4
Land and land development			329,438						3.2						328,475						3.2
Commercial business:
Commercial business (1)			1,266,047						12.5						1,283,407						12.7
Small business scored			960,650						9.4						947,092						9.3
Agricultural business, including secured by farmland (2)			272,707						2.7						295,077						2.9
One- to four-family residential			1,252,104						12.3						1,173,112						11.6
Consumer:
Consumer—home equity revolving lines of credit			564,334						5.6						566,291						5.6
Consumer—other			114,694						1.1						114,632						1.1
Total loans			10,160,684						100.0		%				10,146,724						100.0		%
Less allowance for credit losses – loans			(141,457)												(141,465)
Net loans			$	10,019,227											$	10,005,259

Schedule of Troubled Debt Restructurings

The following table presents the amortized cost basis of loans at March 31, 2023 that were both experiencing financial difficulty and modified during the quarter ended March 31, 2023 (in thousands):

															March 31, 2023
															Term Extension																		Total
One- to four-family construction															$	6,107																	$	6,107
Total															$	6,107																	$	6,107

The Company has committed to lend additional amounts totaling $436,000 to the borrowers included in the previous table. The Company closely monitors the performance of loans that are modified for borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts.

The following table presents the financial effect of the loan modifications presented above for borrowers experiencing financial difficulty for the three months ended March 31, 2023:

Three Months Ended March 31, 2023

Weighted-Average Term Extension (in months)

One- to four-family construction

7

Total

7

Schedule of Risk-Rated Loans and Non-Risk Rated Loans by Grade and Other Characteristics

The following tables present the Company’s portfolio of risk-rated loans by class and by grade as of March 31, 2023 and December 31, 2022 (in thousands). Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. Term loans that are renewed or extended for periods longer than 90 days are presented as a new origination in the year of the most recent renewal or extension.

			March 31, 2023
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2023						2022						2021						2020						2019						Prior
Commercial real estate - owner occupied
Risk Rating
Pass			$	33,565					$	160,079					$	190,447					$	141,823					$	72,672					$	200,153					$	25,434					$	824,173
Special Mention			—						—						—						—						—						41						—						41
Substandard			1,771						10,278						—						11,998						16,991						253						200						41,491
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Commercial real estate - owner occupied			$	35,336					$	170,357					$	190,447					$	153,821					$	89,663					$	200,447					$	25,634					$	865,705
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate - investment properties
Risk Rating
Pass			$	33,547					$	181,326					$	296,106					$	127,945					$	180,315					$	673,599					$	23,147					$	1,515,985
Special Mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						2,980						1,296						4,276
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Commercial real estate - investment properties			$	33,547					$	181,326					$	296,106					$	127,945					$	180,315					$	676,579					$	24,443					$	1,520,261
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Multifamily real estate
Risk Rating
Pass			$	38,932					$	149,727					$	177,809					$	100,126					$	46,210					$	182,443					$	1,617					$	696,864
Special Mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Multifamily real estate			$	38,932					$	149,727					$	177,809					$	100,126					$	46,210					$	182,443					$	1,617					$	696,864
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			March 31, 2023
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2023						2022						2021						2020						2019						Prior
Commercial construction
Risk Rating
Pass			$	43,742					$	83,325					$	38,168					$	12,890					$	4,229					$	1,077					$	—					$	183,431
Special Mention			—						—						—						—						—						—						—						—
Substandard			2,933						—						—						—						—						4,687						—						7,620
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Commercial construction			$	46,675					$	83,325					$	38,168					$	12,890					$	4,229					$	5,764					$	—					$	191,051
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Multifamily construction
Risk Rating
Pass			$	28,035					$	155,074					$	165,128					$	12,770					$	1,418					$	—					$	—					$	362,425
Special Mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Multifamily construction			$	28,035					$	155,074					$	165,128					$	12,770					$	1,418					$	—					$	—					$	362,425
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
One- to four- family construction
Risk Rating
Pass			$	167,004					$	376,272					$	30,106					$	137					$	331					$	—					$	595					$	574,445
Special Mention			—						—						—						—						—						—						—						—
Substandard			6,240						—						3,970						—						—						—						—						10,210
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total One- to four- family construction			$	173,244					$	376,272					$	34,076					$	137					$	331					$	—					$	595					$	584,655
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			March 31, 2023
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2023						2022						2021						2020						2019						Prior
Land and land development
Risk Rating
Pass			$	63,156					$	151,355					$	75,204					$	15,861					$	10,754					$	11,993					$	339					$	328,662
Special Mention			—						—						—						—						—						—						—						—
Substandard			604						—						—						—						—						172						—						776
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Land and land development			$	63,760					$	151,355					$	75,204					$	15,861					$	10,754					$	12,165					$	339					$	329,438
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial business
Risk Rating
Pass			$	49,403					$	249,239					$	141,427					$	153,697					$	121,717					$	160,236					$	354,670					$	1,230,389
Special Mention			—						64						—						3,372						—						—						—						3,436
Substandard			—						827						12,712						2,861						1,109						7,625						7,088						32,222
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Commercial business			$	49,403					$	250,130					$	154,139					$	159,930					$	122,826					$	167,861					$	361,758					$	1,266,047
Current period gross charge-offs			$	—					$	—					$	581					$	—					$	—					$	25					$	9					$	615
Agricultural business, including secured by farmland
Risk Rating
Pass			$	9,494					$	37,948					$	32,956					$	18,667					$	27,705					$	49,079					$	82,499					$	258,348
Special Mention			—						—						302						271						—						—						—						573
Substandard			1,554						2,010						970						—						6,565						2,588						99						13,786
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Agricultural business, including secured by farmland			$	11,048					$	39,958					$	34,228					$	18,938					$	34,270					$	51,667					$	82,598					$	272,707
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			December 31, 2022
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2022						2021						2020						2019						2018						Prior
Commercial real estate - owner occupied
Risk Rating
Pass			$	167,150					$	198,787					$	150,272					$	74,171					$	57,095					$	148,902					$	10,833					$	807,210
Special Mention			—						—						—						2,829						—						42						201						3,072
Substandard			13,756						—						7,211						13,564						—						307						200						35,038
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Commercial real estate - owner occupied			$	180,906					$	198,787					$	157,483					$	90,564					$	57,095					$	149,251					$	11,234					$	845,320
Commercial real estate - investment properties
Risk Rating
Pass			$	190,627					$	323,160					$	142,476					$	182,853					$	169,667					$	547,899					$	25,691					$	1,582,373
Special Mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						3,283						—						3,007						1,312						7,602
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Commercial real estate - investment properties			$	190,627					$	323,160					$	142,476					$	186,136					$	169,667					$	550,906					$	27,003					$	1,589,975
Multifamily real estate
Risk Rating
Pass			$	139,383					$	177,784					$	93,961					$	46,460					$	29,665					$	156,140					$	1,678					$	645,071
Special Mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Multifamily real estate			$	139,383					$	177,784					$	93,961					$	46,460					$	29,665					$	156,140					$	1,678					$	645,071

			December 31, 2022
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2022						2021						2020						2019						2018						Prior
Commercial construction
Risk Rating
Pass			$	112,229					$	46,679					$	12,952					$	4,260					$	1,107					$	—					$	—					$	177,227
Special Mention			—						—						—						—						—						—						—						—
Substandard			2,931						1						—						—						4,717						—						—						7,649
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Commercial construction			$	115,160					$	46,680					$	12,952					$	4,260					$	5,824					$	—					$	—					$	184,876
Multifamily construction
Risk Rating
Pass			$	142,680					$	161,066					$	20,622					$	1,448					$	—					$	—					$	—					$	325,816
Special Mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Multifamily construction			$	142,680					$	161,066					$	20,622					$	1,448					$	—					$	—					$	—					$	325,816
One- to four- family construction
Risk Rating
Pass			$	572,701					$	56,530					$	677					$	331					$	—					$	—					$	711					$	630,950
Special Mention			—						—						—						—						—						—						—						—
Substandard			13,473						2,906						—						—						—						—						—						16,379
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total One- to four- family construction			$	586,174					$	59,436					$	677					$	331					$	—					$	—					$	711					$	647,329

			December 31, 2022
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2022						2021						2020						2019						2018						Prior
Land and land development
Risk Rating
Pass			$	199,339					$	88,066					$	16,278					$	11,866					$	6,242					$	6,164					$	339					$	328,294
Special Mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						97						84						—						181
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Land and land development			$	199,339					$	88,066					$	16,278					$	11,866					$	6,339					$	6,248					$	339					$	328,475
Commercial business
Risk Rating
Pass			$	249,609					$	149,140					$	161,494					$	126,416					$	86,712					$	85,386					$	391,852					$	1,250,609
Special Mention			74						26						3,467						—						—						—						200						3,767
Substandard			464						12,599						1,956						1,161						5,954						796						6,101						29,031
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Commercial business			$	250,147					$	161,765					$	166,917					$	127,577					$	92,666					$	86,182					$	398,153					$	1,283,407
Agricultural business, including secured by farmland
Risk Rating
Pass			$	36,848					$	35,440					$	18,946					$	28,354					$	24,710					$	27,063					$	109,606					$	280,967
Special Mention			—						336						271						—						—						—						357						964
Substandard			2,015						970						—						6,565						—						2,599						997						13,146
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Agricultural business, including secured by farmland			$	38,863					$	36,746					$	19,217					$	34,919					$	24,710					$	29,662					$	110,960					$	295,077

The following tables present the Company’s portfolio of non-risk-rated loans by class and delinquency status as of March 31, 2023 and December 31, 2022 (in thousands). Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. Term loans that are renewed or extended for periods longer than 90 days are presented as a new origination in the year of the most recent renewal or extension.

			March 31, 2023
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2023						2022						2021						2020						2019						Prior
Small balance CRE
Past Due Category
Current			$	27,002					$	173,956					$	217,436					$	175,592					$	125,339					$	457,810					$	517					$	1,177,652
30-59 Days Past Due			—						—						—						445						169						1,481						—						2,095
60-89 Days Past Due			—						—						—						—						—						—						—						—
90 Days + Past Due			—						—						—						—						—						2						—						2
Total Small balance CRE			$	27,002					$	173,956					$	217,436					$	176,037					$	125,508					$	459,293					$	517					$	1,179,749
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Small business scored
Past Due Category
Current			$	49,647					$	298,194					$	192,903					$	95,064					$	75,968					$	124,084					$	120,923					$	956,783
30-59 Days Past Due			—						590						485						526						—						103						239						1,943
60-89 Days Past Due			—						—						22						—						37						17						239						315
90 Days + Past Due			—						—						177						93						676						497						166						1,609
Total Small business scored			$	49,647					$	298,784					$	193,587					$	95,683					$	76,681					$	124,701					$	121,567					$	960,650
Current period gross charge-offs			$	—					$	42					$	49					$	107					$	202					$	143					$	—					$	543
One- to four- family residential
Past Due Category
Current			$	83,243					$	568,763					$	272,265					$	59,437					$	32,785					$	223,049					$	643					$	1,240,185
30-59 Days Past Due			—						—						1,041						664						1,325						1,859						—						4,889
60-89 Days Past Due			1,060						240						—						—						—						436						—						1,736
90 Days + Past Due			—						—						1,816						759						711						2,008						—						5,294
Total One- to four- family residential			$	84,303					$	569,003					$	275,122					$	60,860					$	34,821					$	227,352					$	643					$	1,252,104
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	30					$	—					$	30

			March 31, 2023
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2023						2022						2021						2020						2019						Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current			$	5,065					$	2,216					$	1,534					$	1,186					$	1,434					$	5,484					$	543,138					$	560,057
30-59 Days Past Due			—						—						—						72						20						314						1,094						1,500
60-89 Days Past Due			—						—						151						—						—						396						126						673
90 Days + Past Due			—						—						50						1,115						532						407						—						2,104
Total Consumer—home equity revolving lines of credit			$	5,065					$	2,216					$	1,735					$	2,373					$	1,986					$	6,601					$	544,358					$	564,334
Current period gross charge-offs			$	—					$	—					$	13					$	—					$	—					$	15					$	—					$	28
Consumer-other
Past Due Category
Current			$	4,215					$	37,789					$	11,467					$	8,306					$	5,061					$	20,780					$	26,691					$	114,309
30-59 Days Past Due			—						43						2						44						12						78						107						286
60-89 Days Past Due			—						—						19						1						5						2						54						81
90 Days + Past Due			—						—						—						18						—						—						—						18
Total Consumer-other			$	4,215					$	37,832					$	11,488					$	8,369					$	5,078					$	20,860					$	26,852					$	114,694
Current period gross charge-offs			$	—					$	19					$	20					$	4					$	20					$	39					$	162					$	264

			December 31, 2022
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2022						2021						2020						2019						2018						Prior
Small balance CRE
Past Due Category
Current			$	177,605					$	215,801					$	172,286					$	134,552					$	142,592					$	354,924					$	630					$	1,198,390
30-59 Days Past Due			—						—						460						—						—						1,399						—						1,859
60-89 Days Past Due			—						—						—						—						—						—						—						—
90 Days + Past Due			—						—						—						—						—						2						—						2
Total Small balance CRE			$	177,605					$	215,801					$	172,746					$	134,552					$	142,592					$	356,325					$	630					$	1,200,251
Small business scored
Past Due Category
Current			$	307,109					$	201,628					$	99,867					$	81,603					$	56,420					$	78,025					$	119,281					$	943,933
30-59 Days Past Due			146						518						54						262						46						280						173						1,479
60-89 Days Past Due			—						54						—						275						149						7						176						661
90 Days + Past Due			—						—						26						157						70						305						461						1,019
Total Small business scored			$	307,255					$	202,200					$	99,947					$	82,297					$	56,685					$	78,617					$	120,091					$	947,092
One- to four- family residential
Past Due Category
Current			$	555,833					$	279,331					$	59,672					$	34,607					$	37,740					$	191,890					$	1,335					$	1,160,408
30-59 Days Past Due			2,030						846						755						—						116						1,462						78						5,287
60-89 Days Past Due			1,060						—						—						—						115						1,067						—						2,242
90 Days + Past Due			—						1,819						973						712						94						1,577						—						5,175
Total One- to four- family residential			$	558,923					$	281,996					$	61,400					$	35,319					$	38,065					$	195,996					$	1,413					$	1,173,112

			December 31, 2022
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2022						2021						2020						2019						2018						Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current			$	7,442					$	1,089					$	329					$	1,355					$	1,611					$	3,788					$	547,068					$	562,682
30-59 Days Past Due			49						40						75						—						74						214						1,372						1,824
60-89 Days Past Due			—						50						—						—						49						45						59						203
90 Days + Past Due			—						14						73						476						64						675						280						1,582
Total Consumer—home equity revolving lines of credit			$	7,491					$	1,193					$	477					$	1,831					$	1,798					$	4,722					$	548,779					$	566,291
Consumer-other
Past Due Category
Current			$	39,740					$	12,138					$	9,334					$	5,695					$	5,384					$	16,675					$	25,219					$	114,185
30-59 Days Past Due			49						—						16						5						2						67						120						259
60-89 Days Past Due			41						9						29						24						—						13						62						178
90 Days + Past Due			—						10						—						—						—						—						—						10
Total Consumer-other			$	39,830					$	12,157					$	9,379					$	5,724					$	5,386					$	16,755					$	25,401					$	114,632

Loans, Collateral Dependent [Table Text Block]

The following tables provide the amortized cost basis of collateral-dependent loans as of March 31, 2023 and December 31, 2022 (in thousands). Our collateral dependent loans presented in the tables below have no significant concentrations by property type or location.

			March 31, 2023
			Real Estate												Equipment						Inventory						Total
Small balance CRE			$	2,167											$	—					$	—					$	2,167
Commercial business
Commercial business			316												4,543						9						4,868
Small business scored			—												243						—						243
Agricultural business, including secured by farmland			3,242												93						145						3,480
One- to four-family residential			2,679												—						—						2,679
Consumer—home equity revolving lines of credit			818												—						—						818
Total			$	9,222											$	4,879					$	154					$	14,255

			December 31, 2022
			Real Estate												Equipment												Total
Small balance CRE			$	2,953											$	—											$	2,953
Commercial business
Commercial business			—												4,537												4,537
Small business scored			—												307												307
One- to four-family residential			1,622												—												1,622
Total			$	4,575											$	4,844											$	9,419

Schedule of Age Analysis of the Company's Past Due Loans

The following tables present the Company’s portfolio of non-risk-rated loans by class and delinquency status as of March 31, 2023 and December 31, 2022 (in thousands). Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. Term loans that are renewed or extended for periods longer than 90 days are presented as a new origination in the year of the most recent renewal or extension.

			March 31, 2023
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2023						2022						2021						2020						2019						Prior
Small balance CRE
Past Due Category
Current			$	27,002					$	173,956					$	217,436					$	175,592					$	125,339					$	457,810					$	517					$	1,177,652
30-59 Days Past Due			—						—						—						445						169						1,481						—						2,095
60-89 Days Past Due			—						—						—						—						—						—						—						—
90 Days + Past Due			—						—						—						—						—						2						—						2
Total Small balance CRE			$	27,002					$	173,956					$	217,436					$	176,037					$	125,508					$	459,293					$	517					$	1,179,749
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Small business scored
Past Due Category
Current			$	49,647					$	298,194					$	192,903					$	95,064					$	75,968					$	124,084					$	120,923					$	956,783
30-59 Days Past Due			—						590						485						526						—						103						239						1,943
60-89 Days Past Due			—						—						22						—						37						17						239						315
90 Days + Past Due			—						—						177						93						676						497						166						1,609
Total Small business scored			$	49,647					$	298,784					$	193,587					$	95,683					$	76,681					$	124,701					$	121,567					$	960,650
Current period gross charge-offs			$	—					$	42					$	49					$	107					$	202					$	143					$	—					$	543
One- to four- family residential
Past Due Category
Current			$	83,243					$	568,763					$	272,265					$	59,437					$	32,785					$	223,049					$	643					$	1,240,185
30-59 Days Past Due			—						—						1,041						664						1,325						1,859						—						4,889
60-89 Days Past Due			1,060						240						—						—						—						436						—						1,736
90 Days + Past Due			—						—						1,816						759						711						2,008						—						5,294
Total One- to four- family residential			$	84,303					$	569,003					$	275,122					$	60,860					$	34,821					$	227,352					$	643					$	1,252,104
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	30					$	—					$	30

			March 31, 2023
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2023						2022						2021						2020						2019						Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current			$	5,065					$	2,216					$	1,534					$	1,186					$	1,434					$	5,484					$	543,138					$	560,057
30-59 Days Past Due			—						—						—						72						20						314						1,094						1,500
60-89 Days Past Due			—						—						151						—						—						396						126						673
90 Days + Past Due			—						—						50						1,115						532						407						—						2,104
Total Consumer—home equity revolving lines of credit			$	5,065					$	2,216					$	1,735					$	2,373					$	1,986					$	6,601					$	544,358					$	564,334
Current period gross charge-offs			$	—					$	—					$	13					$	—					$	—					$	15					$	—					$	28
Consumer-other
Past Due Category
Current			$	4,215					$	37,789					$	11,467					$	8,306					$	5,061					$	20,780					$	26,691					$	114,309
30-59 Days Past Due			—						43						2						44						12						78						107						286
60-89 Days Past Due			—						—						19						1						5						2						54						81
90 Days + Past Due			—						—						—						18						—						—						—						18
Total Consumer-other			$	4,215					$	37,832					$	11,488					$	8,369					$	5,078					$	20,860					$	26,852					$	114,694
Current period gross charge-offs			$	—					$	19					$	20					$	4					$	20					$	39					$	162					$	264

The following tables provide additional detail on the age analysis of the Company’s past due loans as of March 31, 2023 and December 31, 2022 (in thousands):

			March 31, 2023
			30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total Past Due						Current						Total Loans						Non-accrual with no Allowance						Total Non-accrual (1)						Loans 90 Days or More Past Due and Accruing
Commercial real estate:
Owner-occupied			$	—					$	—					$	—					$	—					$	865,705					$	865,705					$	—					$	100					$	—
Investment properties			—						—						—						—						1,520,261						1,520,261						—						—						—
Small balance CRE			2,095						—						2						2,097						1,177,652						1,179,749						2,138						2,715						—
Multifamily real estate			—						—						—						—						696,864						696,864						—						—						—
Construction, land and land development:
Commercial construction			—						—						—						—						191,051						191,051						—						—						—
Multifamily construction			—						—						—						—						362,425						362,425						—						—						—
One- to four-family construction			1,756						—						—						1,756						582,899						584,655						—						—						—
Land and land development			682						—						96						778						328,660						329,438						—						172						—
Commercial business:
Commercial business			885						132						6,492						7,509						1,258,538						1,266,047						6,751						7,315						—
Small business scored			1,943						315						1,609						3,867						956,783						960,650						239						2,050						—
Agricultural business, including secured by farmland			2,173						1,648						842						4,663						268,044						272,707						4,074						4,074						—
One- to four-family residential			4,889						1,736						5,294						11,919						1,240,185						1,252,104						2,621						6,789						445
Consumer:
Consumer—home equity revolving lines of credit			1,500						673						2,104						4,277						560,057						564,334						—						2,243						852
Consumer—other			286						81						18						385						114,309						114,694						—						4						13
Total			$	16,209					$	4,585					$	16,457					$	37,251					$	10,123,433					$	10,160,684					$	15,823					$	25,462					$	1,310

			December 31, 2022
			30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total Past Due						Current						Total Loans						Non-accrual with no Allowance						Total Non-accrual (1)						Loans 90 Days or More Past Due and Accruing
Commercial real estate:
Owner-occupied			$	—					$	—					$	—					$	—					$	845,320					$	845,320					$	—					$	143					$	—
Investment properties			—						—						—						—						1,589,975						1,589,975						—						—						—
Small balance CRE			1,859						—						2						1,861						1,198,390						1,200,251						2,927						3,540						—
Multifamily real estate			—						—						—						—						645,071						645,071						—						—						—
Construction, land and land development:
Commercial construction			—						—						—						—						184,876						184,876						—						—						—
Multifamily construction			—						—						—						—						325,816						325,816						—						—						—
One- to four-family construction			900						—						—						900						646,429						647,329						—						—						—
Land and land development			921						—						97						1,018						327,457						328,475						—						181						—
Commercial business:
Commercial business			2,100						4,145						649						6,894						1,276,513						1,283,407						6,998						7,356						—
Small business scored			1,479						661						1,019						3,159						943,933						947,092						303						2,530						—
Agricultural business, including secured by farmland			1,185						—						594						1,779						293,298						295,077						594						594						—
One-to four-family residential			5,287						2,242						5,175						12,704						1,160,408						1,173,112						1,569						5,236						1,023
Consumer:
Consumer—home equity revolving lines of credit			1,824						203						1,582						3,609						562,682						566,291						—						2,124						254
Consumer—other			259						178						10						447						114,185						114,632						—						2						10
Total			$	15,814					$	7,429					$	9,128					$	32,371					$	10,114,353					$	10,146,724					$	12,391					$	21,706					$	1,287

Allowance for Credit Losses on Financing Receivables

The following tables provide the activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2023 and 2022 (in thousands):

			For the Three Months Ended March 31, 2023
			Commercial Real Estate						Multifamily Real Estate						Construction and Land						Commercial Business						Agricultural Business						One- to Four-Family Residential						Consumer												Total
Allowance for credit losses:
Beginning balance			$	44,086					$	7,734					$	29,171					$	33,299					$	3,475					$	14,729					$	8,971											$	141,465
(Recapture)/provision for credit losses			(1,295)						741						(738)						1,475						(490)						920						161												774
Recoveries			184						—						—						119						109						117						169												698
Charge-offs			—						—						—						(1,158)						—						(30)						(292)												(1,480)
Ending balance			$	42,975					$	8,475					$	28,433					$	33,735					$	3,094					$	15,736					$	9,009											$	141,457

			For the Three Months Ended March 31, 2022
			Commercial Real Estate						Multifamily Real Estate						Construction and Land						Commercial Business						Agricultural Business						One- to Four-Family Residential						Consumer												Total
Allowance for credit losses:
Beginning balance			$	52,995					$	7,043					$	27,294					$	26,421					$	3,190					$	8,205					$	6,951											$	132,099
(Recapture)/provision for credit losses			(5,816)						140						(994)						167						(722)						(136)						(15)												(7,376)
Recoveries			87						—						384						149						118						40						216												994
Charge-offs			(2)						—						(5)						(82)						—						—						(157)												(246)
Ending balance			$	47,264					$	7,183					$	26,679					$	26,655					$	2,586					$	8,109					$	6,995											$	125,471

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