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LOANS RECEIVABLE AND THE ALLOWANCE FOR CREDIT LOSSES
 6 Months Ended
Jun. 30, 2024
Receivables [Abstract]  
LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES
The following table presents the loans receivable at June 30, 2024 and December 31, 2023 by class (dollars in thousands).
 June 30, 2024December 31, 2023
 AmountPercent of TotalAmountPercent of Total
Commercial real estate:    
Owner-occupied$950,922 9 %$915,897 8 %
Investment properties1,536,142 14 1,541,344 14 
Small balance CRE1,234,302 11 1,178,500 11 
Multifamily real estate717,089 6 811,232 8 
Construction, land and land development:
Commercial construction173,296 2 170,011 2 
Multifamily construction663,989 6 503,993 5 
One- to four-family construction490,237 4 526,432 5 
Land and land development352,184 3 336,639 3 
Commercial business:
Commercial business
1,298,134 12 1,255,734 12 
Small business scored1,074,465 10 1,022,154 9 
Agricultural business, including secured by farmland334,583 3 331,089 3 
One- to four-family residential1,603,266 14 1,518,046 14 
Consumer:
Consumer—home equity revolving lines of credit
611,739 5 588,703 5 
Consumer—other103,500 1 110,681 1 
Total loans11,143,848 100 %10,810,455 100 %
Less allowance for credit losses – loans(152,848) (149,643) 
Net loans$10,991,000  $10,660,812  

Loan amounts are net of unearned loan fees in excess of unamortized costs of $14.9 million as of June 30, 2024, and $12.1 million as of December 31, 2023. Net loans include net discounts on acquired loans of $4.1 million and $4.6 million as of June 30, 2024 and December 31, 2023, respectively. Net loans does not include accrued interest receivable. Accrued interest receivable on loans was $53.3 million as of June 30, 2024, and $47.8 million as of December 31, 2023 and was reported in accrued interest receivable on the Consolidated Statements of Financial Condition.

The Company had pledged $8.0 billion and $7.6 billion of loans as collateral for FHLB and other borrowings at June 30, 2024 and December 31, 2023, respectively.

Purchased credit-deteriorated and purchased non-credit-deteriorated loans. Loans purchased or acquired in business combinations are recorded at their fair value at the acquisition date. Acquired loans are evaluated upon acquisition and classified as either purchased credit-deteriorated (PCD) or purchased non-credit-deteriorated. There were no PCD loans acquired during the six months ended June 30, 2024 or June 30, 2023.
Troubled Loan Modifications. Occasionally, the Company offers modifications of loans to borrowers experiencing financial difficulty by providing principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions or any combination of these. When principal forgiveness is provided, the amount of the forgiveness is charged-off against the allowance for credit losses - loans. Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is charged off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses - loans is adjusted by the same amount. The allowance for credit losses on modified loans is measured using similar credit loss estimation methods used to determine the allowance for credit losses for all other loans held for investment. These methods incorporate the post-modification loan terms, as well as defaults and charge-offs associated with historical modified loans.
The following tables present the Company’s portfolio of risk-rated loans by class and by grade as of June 30, 2024 and December 31, 2023 (in thousands). In addition, the tables include the gross charge-offs for the six months ended June 30, 2024. 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.
June 30, 2024
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20242023202220212020Prior
Commercial real estate - owner occupied
Risk Rating
Pass$67,363 $162,584 $136,027 $155,759 $133,998 $208,991 $46,016 $910,738 
Special Mention2,469 — — — — — — 2,469 
Substandard— — 13,951 212 4,657 18,895 — 37,715 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - owner occupied$69,832 $162,584 $149,978 $155,971 $138,655 $227,886 $46,016 $950,922 
Current period gross charge-offs$— $— $347 $— $— $— $— $347 
Commercial real estate - investment properties
Risk Rating
Pass$73,445 $128,917 $185,068 $273,118 $119,836 $708,289 $36,956 $1,525,629 
Special Mention— — — — — 2,682 340 3,022 
Substandard— — — — — 7,491 — 7,491 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - investment properties$73,445 $128,917 $185,068 $273,118 $119,836 $718,462 $37,296 $1,536,142 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily real estate
Risk Rating
Pass$40,486 $87,015 $163,380 $161,585 $95,422 $161,408 $2,454 $711,750 
Special Mention— — — 3,174 — — — 3,174 
Substandard— — — — — 2,165 — 2,165 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily real estate$40,486 $87,015 $163,380 $164,759 $95,422 $163,573 $2,454 $717,089 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
June 30, 2024
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20242023202220212020Prior
Commercial construction
Risk Rating
Pass$30,630 $85,627 $42,738 $— $12,578 $967 $— $172,540 
Special Mention— — — — — — — — 
Substandard— — — 756 — — — 756 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial construction$30,630 $85,627 $42,738 $756 $12,578 $967 $— $173,296 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily construction
Risk Rating
Pass$193,872 $150,520 $262,305 $52,637 $408 $— $4,247 $663,989 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily construction$193,872 $150,520 $262,305 $52,637 $408 $— $4,247 $663,989 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
One- to four- family construction
Risk Rating
Pass$296,432 $179,051 $12,336 $— $— $— $45 $487,864 
Special Mention— — — — — — — — 
Substandard— 2,120 253 — — — — 2,373 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total One- to four- family construction$296,432 $181,171 $12,589 $— $— $— $45 $490,237 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
June 30, 2024
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20242023202220212020Prior
Land and land development
Risk Rating
Pass$118,339 $126,963 $48,506 $27,882 $10,385 $16,711 $807 $349,593 
Special Mention— — 640 — — — — 640 
Substandard— 1,098 — 277 536 40 — 1,951 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Land and land development$118,339 $128,061 $49,146 $28,159 $10,921 $16,751 $807 $352,184 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial business
Risk Rating
Pass$86,123 $127,398 $193,961 $109,833 $118,531 $213,421 $388,323 $1,237,590 
Special Mention— 384 82 — 69 41 32,888 33,464 
Substandard998 1,326 4,497 3,099 5,089 3,221 8,850 27,080 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial business$87,121 $129,108 $198,540 $112,932 $123,689 $216,683 $430,061 $1,298,134 
Current period gross charge-offs$— $418 $— $1 $— $1 $353 $773 
Agricultural business, including secured by farmland
Risk Rating
Pass$20,034 $45,368 $32,621 $24,457 $17,091 $57,837 $116,897 $314,305 
Special Mention— — — — — — 5,404 5,404 
Substandard— 2,674 — 602 — 7,997 3,601 14,874 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Agricultural business, including secured by farmland$20,034 $48,042 $32,621 $25,059 $17,091 $65,834 $125,902 $334,583 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
December 31, 2023
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20232022202120202019Prior
Commercial real estate - owner occupied
Risk Rating
Pass$170,577 $149,489 $161,647 $139,934 $65,424 $154,036 $36,209 $877,316 
Special Mention— — — — — — 1 1 
Substandard— 14,450 217 4,731 18,999 183 — 38,580 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - owner occupied$170,577 $163,939 $161,864 $144,665 $84,423 $154,219 $36,210 $915,897 
Commercial real estate - investment properties
Risk Rating
Pass$154,128 $168,286 $281,324 $123,315 $156,174 $597,977 $47,936 $1,529,140 
Special Mention— — — — — 2,714 1,198 3,912 
Substandard— — — — — 8,292 — 8,292 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - investment properties$154,128 $168,286 $281,324 $123,315 $156,174 $608,983 $49,134 $1,541,344 
Multifamily real estate
Risk Rating
Pass$96,865 $177,907 $215,220 $101,336 $46,886 $167,305 $3,285 $808,804 
Special Mention— — — — — — — — 
Substandard— — — — — 2,428 — 2,428 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily real estate$96,865 $177,907 $215,220 $101,336 $46,886 $169,733 $3,285 $811,232 
December 31, 2023
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20232022202120202019Prior
Commercial construction
Risk Rating
Pass$86,165 $62,302 $4,056 $12,705 $— $1,015 $— $166,243 
Special Mention3,010 — — — — — — 3,010 
Substandard— — 758 — — — — 758 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial construction$89,175 $62,302 $4,814 $12,705 $— $1,015 $— $170,011 
Multifamily construction
Risk Rating
Pass$176,729 $256,661 $70,189 $414 $— $— $— $503,993 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily construction$176,729 $256,661 $70,189 $414 $— $— $— $503,993 
One- to four- family construction
Risk Rating
Pass$447,818 $43,563 $25,229 $— $329 $— $381 $517,320 
Special Mention— — — — — — — — 
Substandard6,715 253 2,144 — — — — 9,112 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total One- to four- family construction$454,533 $43,816 $27,373 $— $329 $— $381 $526,432 
December 31, 2023
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20232022202120202019Prior
Land and land development
Risk Rating
Pass$188,134 $80,472 $34,146 $12,338 $8,409 $10,152 $2,136 $335,787 
Special Mention— 852 — — — — — 852 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Land and land development$188,134 $81,324 $34,146 $12,338 $8,409 $10,152 $2,136 $336,639 
Commercial business
Risk Rating
Pass$157,830 $223,582 $121,031 $134,066 $102,545 $126,175 $363,652 $1,228,881 
Special Mention199 — — — 43 — 2,548 2,790 
Substandard1,919 5,207 3,398 5,207 1,509 2,010 4,813 24,063 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial business$159,948 $228,789 $124,429 $139,273 $104,097 $128,185 $371,013 $1,255,734 
Agricultural business, including secured by farmland
Risk Rating
Pass$48,620 $35,520 $24,659 $17,658 $23,885 $38,273 $123,158 $311,773 
Special Mention550 — 652 — — 301 308 1,811 
Substandard4,057 — 626 — 7,819 2,280 2,723 17,505 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Agricultural business, including secured by farmland$53,227 $35,520 $25,937 $17,658 $31,704 $40,854 $126,189 $331,089 
The following tables present the Company’s portfolio of non-risk-rated loans by class and delinquency status as of June 30, 2024 and December 31, 2023 (in thousands). In addition, the tables include the gross charge-offs for the six months ended June 30, 2024. 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.
June 30, 2024
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20242023202220212020Prior
Small balance CRE
Past Due Category
Current$24,876 $83,351 $196,278 $223,581 $168,013 $537,330 $— $1,233,429 
30-59 Days Past Due— — — — — 333 — 333 
60-89 Days Past Due— — — — — — — — 
90 Days + Past Due— — — — 413 127 — 540 
Total Small balance CRE$24,876 $83,351 $196,278 $223,581 $168,426 $537,790 $— $1,234,302 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Small business scored
Past Due Category
Current$109,181 $184,598 $257,607 $160,754 $76,723 $141,393 $141,061 $1,071,317 
30-59 Days Past Due— 149 5 28 61 444 298 985 
60-89 Days Past Due— 37 206 527 — 66 33 869 
90 Days + Past Due— 24 857 88 — 325 — 1,294 
Total Small business scored$109,181 $184,808 $258,675 $161,397 $76,784 $142,228 $141,392 $1,074,465 
Current period gross charge-offs$— $— $390,000 $187,000 $47,000 $549,000 $— $1,173 
One- to four- family residential
Past Due Category
Current$145,719 $344,885 $568,188 $255,223 $54,163 $225,533 $— $1,593,711 
30-59 Days Past Due— — — 5 — 126 — 131 
60-89 Days Past Due— — — — 866 330 — 1,196 
90 Days + Past Due— 1,701 2,007 2,791 192 1,537 — 8,228 
Total One- to four- family residential$145,719 $346,586 $570,195 $258,019 $55,221 $227,526 $— $1,603,266 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
June 30, 2024
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20242023202220212020Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$4,989 $1,255 $4,197 $1,498 $1,672 $6,944 $583,953 $604,508 
30-59 Days Past Due— 309 444 98 45 139 2,769 3,804 
60-89 Days Past Due— 62 101 70 — 101 — 334 
90 Days + Past Due— 50 563 384 821 1,022 253 3,093 
Total Consumer—home equity revolving lines of credit$4,989 $1,676 $5,305 $2,050 $2,538 $8,206 $586,975 $611,739 
Current period gross charge-offs$— $— $58 $— $11 $— $55 $124 
Consumer-other
Past Due Category
Current$4,264 $8,538 $28,344 $8,979 $5,816 $20,213 $26,703 $102,857 
30-59 Days Past Due— 17 106 — — 123 144 390 
60-89 Days Past Due— — 13 — 127 11 102 253 
90 Days + Past Due— — — — — — — — 
Total Consumer-other$4,264 $8,555 $28,463 $8,979 $5,943 $20,347 $26,949 $103,500 
Current period gross charge-offs$— $48 $65 $60 $27 $128 $624 $952 
December 31, 2023
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20232022202120202019Prior
Small balance CRE
Past Due Category
Current$83,077 $194,213 $215,550 $163,689 $121,596 $399,025 $378 $1,177,528 
30-59 Days Past Due— — — — 159 400 — 559 
60-89 Days Past Due— — — — — — — — 
90 Days + Past Due— — — 413 — — — 413 
Total Small balance CRE$83,077 $194,213 $215,550 $164,102 $121,755 $399,425 $378 $1,178,500 
Small business scored
Past Due Category
Current$197,138 $276,888 $172,286 $84,320 $61,613 $96,269 $129,998 $1,018,512 
30-59 Days Past Due16 171 1,048 52 169 287 307 2,050 
60-89 Days Past Due18 — — 60 79 393 83 633 
90 Days + Past Due24 69 148 — 460 257 1 959 
Total Small business scored$197,196 $277,128 $173,482 $84,432 $62,321 $97,206 $130,389 $1,022,154 
One- to four- family residential
Past Due Category
Current$360,797 $586,167 $262,414 $56,436 $31,275 $206,247 $209 $1,503,545 
30-59 Days Past Due846 3,087 979 511 — 1,441 — 6,864 
60-89 Days Past Due— 540 510 388 151 790 — 2,379 
90 Days + Past Due1,060 700 1,582 192 633 1,091 — 5,258 
Total One- to four- family residential$362,703 $590,494 $265,485 $57,527 $32,059 $209,569 $209 $1,518,046 
December 31, 2023
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20232022202120202019Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$5,003 $2,594 $1,564 $1,200 $1,177 $4,678 $566,249 $582,465 
30-59 Days Past Due— 51 93 66 175 324 2,063 2,772 
60-89 Days Past Due— — 98 — 50 246 445 839 
90 Days + Past Due— 365 178 1,043 19 966 56 2,627 
Total Consumer—home equity revolving lines of credit$5,003 $3,010 $1,933 $2,309 $1,421 $6,214 $568,813 $588,703 
Consumer-other
Past Due Category
Current$10,756 $31,836 $9,961 $6,906 $4,441 $17,920 $28,207 $110,027 
30-59 Days Past Due5 — 62 — — 81 269 417 
60-89 Days Past Due12 — 4 2 20 6 97 141 
90 Days + Past Due— 58 — 28 10 — — 96 
Total Consumer-other$10,773 $31,894 $10,027 $6,936 $4,471 $18,007 $28,573 $110,681 
The following tables provide the amortized cost basis of collateral-dependent loans as of June 30, 2024 and December 31, 2023 (in thousands). Our collateral dependent loans presented in the tables below have no significant concentrations by property type or location.
 June 30, 2024
Real EstateAccounts ReceivableEquipmentInventoryTotal
Commercial real estate:  
Owner-occupied$1,044 $— $— $— $1,044 
Small balance CRE639 — — — 639 
Construction, land and land development:
One- to four-family construction2,087 — — — 2,087 
Land and land development1,634 — — — 1,634 
Commercial business
Commercial business— 1,000 4,848 583 6,431 
Small business scored— — 95 — 95 
Agricultural business, including secured by farmland
1,586 — — — 1,586 
One- to four-family residential4,601 — — — 4,601 
Consumer—home equity revolving lines of credit 821 — — — 821 
Total$12,412 $1,000 $4,943 $583 $18,938 

 December 31, 2023
Real EstateAccounts ReceivableEquipmentInventoryTotal
Commercial real estate:  
Owner-occupied$1,391 $— $— $— $1,391 
Small balance CRE755 — — — 755 
One- to four-family construction8,859 — — — 8,859 
Commercial business— 1,059 5,085 812 6,956 
Agricultural business, including secured by farmland
2,576 — — — 2,576 
One- to four-family residential1,954 — — — 1,954 
Consumer—home equity revolving lines of credit 821 — — — 821 
Total$16,356 $1,059 $5,085 $812 $23,312 
The following tables provide additional detail on the age analysis of the Company’s past due loans as of June 30, 2024 and December 31, 2023 (in thousands):
 June 30, 2024
 30-59 Days
Past Due		60-89 Days
Past Due		90 Days or More
Past Due		Total
Past Due		CurrentTotal LoansNon-accrual with no Allowance
Total Non-accrual (1)
Loans 90 Days or More Past Due and Accruing
Commercial real estate:       
Owner-occupied$— $— $1,044 $1,044 $949,878 $950,922 $1,044 $1,097 $— 
Investment properties461 — — 461 1,535,681 1,536,142 — — — 
Small balance CRE333 — 540 873 1,233,429 1,234,302 639 1,229 — 
Multifamily real estate— — — — 717,089 717,089 — — — 
Construction, land and land development:
Commercial construction— — — — 173,296 173,296 — — — 
Multifamily construction— — — — 663,989 663,989 — — — 
One- to four-family construction— — 1,349 1,349 488,888 490,237 1,834 2,087 — 
Land and land development— 50 1,375 1,425 350,759 352,184 1,634 1,912 — 
Commercial business:
Commercial business54 1,649 1,400 3,103 1,295,031 1,298,134 121 6,767 — 
Small business scored985 869 1,294 3,148 1,071,317 1,074,465 — 1,927 — 
Agricultural business, including secured by farmland
1,663 — 1,586 3,249 331,334 334,583 1,586 1,586 — 
One- to four-family residential131 1,196 8,228 9,555 1,593,711 1,603,266 3,942 8,184 1,861 
Consumer:
Consumer—home equity revolving lines of credit3,804 334 3,093 7,231 604,508 611,739 821 3,368 692 
Consumer—other390 253 — 643 102,857 103,500 — 12 — 
Total$7,821 $4,351 $19,909 $32,081 $11,111,767 $11,143,848 $11,621 $28,169 $2,553 

(1)     The Company did not recognize any interest income on non-accrual loans during the six months ended June 30, 2024.
 December 31, 2023
 30-59 Days
Past Due		60-89 Days
Past Due		90 Days or More
Past Due		Total
Past Due		CurrentTotal LoansNon-accrual with no Allowance
Total Non-accrual (1)
Loans 90 Days or More Past Due and Accruing
Commercial real estate:       
Owner-occupied$— $— $— $— $915,897 $915,897 $1,391 $1,450 $— 
Investment properties— — — — 1,541,344 1,541,344 — — — 
Small balance CRE559 — 413 972 1,177,528 1,178,500 755 1,227 — 
Multifamily real estate— — — — 811,232 811,232 — — — 
Construction, land and land development:
Commercial construction— — — — 170,011 170,011 — — — 
Multifamily construction— — — — 503,993 503,993 — — — 
One- to four-family construction286 — 4,201 4,487 521,945 526,432 2,852 3,105 1,096 
Land and land development1,822 553 42 2,417 334,222 336,639 — — 42 
Commercial business:
Commercial business1,166 5,735 1,181 8,082 1,247,652 1,255,734 789 7,346 — 
Small business scored2,050 633 959 3,642 1,018,512 1,022,154 — 1,656 1 
Agricultural business, including secured by farmland
— — 2,171 2,171 328,918 331,089 3,167 3,167 — 
One-to four-family residential6,864 2,379 5,258 14,501 1,503,545 1,518,046 1,939 5,702 1,205 
Consumer:
Consumer—home equity revolving lines of credit2,772 839 2,627 6,238 582,465 588,703 821 3,110 391 
Consumer—other417 141 96 654 110,027 110,681 — 94 10 
Total$15,936 $10,280 $16,948 $43,164 $10,767,291 $10,810,455 $11,714 $26,857 $2,745 

(1)     The Company did not recognize any interest income on non-accrual loans during the year ended December 31, 2023.
The following tables provide the activity in the allowance for credit losses by portfolio segment for the three and six months ended June 30, 2024 and 2023 (in thousands):
 For the Three Months Ended June 30, 2024
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses - loans:        
Beginning balance$43,555 $9,293 $28,908 $35,544 $3,890 $20,432 $9,518 $151,140 
(Recapture)/provision for credit losses(4,242)(1,040)2,689 3,104 (40)457 1,025 1,953 
Recoveries98 — — 324 195 17 112 746 
Charge-offs(347)— — (137)— — (507)(991)
Ending balance$39,064 $8,253 $31,597 $38,835 $4,045 $20,906 $10,148 $152,848 
For the Six Months Ended June 30, 2024
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses - loans:        
Beginning balance$44,384 $9,326 $28,095 $35,464 $3,865 $19,271 $9,238 $149,643 
(Recapture)/provision for credit losses(6,460)(1,073)3,502 4,212 (121)1,602 1,715 3,377 
Recoveries1,487 — — 1,105 301 33 271 3,197 
Charge-offs(347)— — (1,946)— — (1,076)(3,369)
Ending balance$39,064 $8,253 $31,597 $38,835 $4,045 $20,906 $10,148 $152,848 
 For the Three Months Ended June 30, 2023
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses - loans:        
Beginning balance$42,975 $8,475 $28,433 $33,735 $3,094 $15,736 $9,009 $141,457 
Provision/(recapture) for credit losses587 (436)1,567 187 477 969 208 3,559 
Recoveries74 — — 524 2 36 117 753 
Charge-offs— — (156)(566)— (4)(363)(1,089)
Ending balance$43,636 $8,039 $29,844 $33,880 $3,573 $16,737 $8,971 $144,680 
 For the Six Months Ended June 30, 2023
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses - loans:        
Beginning balance$44,086 $7,734 $29,171 $33,299 $3,475 $14,729 $8,971 $141,465 
(Recapture)/provision for credit losses(708)305 829 1,662 (13)1,889 369 4,333 
Recoveries258 — — 643 111 153 286 1,451 
Charge-offs— — (156)(1,724)— (34)(655)(2,569)
Ending balance$43,636 $8,039 $29,844 $33,880 $3,573 $16,737 $8,971 $144,680