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LOANS RECEIVABLE AND THE ALLOWANCE FOR CREDIT LOSSES (Tables)

9 Months Ended

Sep. 30, 2024

Receivables [Abstract]

Schedule of Loans Receivable, Including Loans Held for Sale

The following table presents the loans receivable at September 30, 2024 and December 31, 2023 by class (dollars in thousands).

			September 30, 2024												December 31, 2023
			Amount						Percent of Total						Amount						Percent of Total
Commercial real estate:
Owner-occupied			$	990,516					9		%				$	915,897					8		%
Investment properties			1,583,863						14						1,541,344						14
Small balance CRE			1,218,822						11						1,178,500						11
Multifamily real estate			889,866						8						811,232						8
Construction, land and land development:
Commercial construction			124,051						1						170,011						2
Multifamily construction			524,108						5						503,993						5
One- to four-family construction			507,350						5						526,432						5
Land and land development			370,690						3						336,639						3
Commercial business:
Commercial business			1,281,615						11						1,255,734						12
Small business scored			1,087,714						10						1,022,154						9
Agricultural business, including secured by farmland			346,686						3						331,089						3
One- to four-family residential			1,575,164						14						1,518,046						14
Consumer:
Consumer—home equity revolving lines of credit			622,615						5						588,703						5
Consumer—other			101,546						1						110,681						1
Total loans			11,224,606						100		%				10,810,455						100		%
Less allowance for credit losses – loans			(154,585)												(149,643)
Net loans			$	11,070,021											$	10,660,812

Schedule of Troubled Debt Restructurings

The following tables present the amortized cost basis and financial effect of loans at September 30, 2024 and September 30, 2023, that were both experiencing financial difficulty and modified during the nine months ended September 30, 2024 and September 30, 2023, respectively (in thousands):

									September 30, 2024
									Payment Delay																											Total
Commercial business									$	5,322																										$	5,322
Total									$	5,322																										$	5,322

						September 30, 2023
									Payment Delay						Term Extension																		Total
One- to four-family construction									$	—					$	6,362																	$	6,362
Commercial business									121						—																		121
Agricultural business, including secured by farmland									1,580						—																		1,580
One- to four-family residential									1,060						—																		1,060
Total						4352			$	2,761					$	6,362																	$	9,123

Financing Receivable, Modified, Past Due

			September 30, 2023
			30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total Past Due
Commercial business			$	—					$	—					$	121					$	121
Agricultural business, including secured by farmland			—						—						1,580						1,580
One- to four-family residential			—						—						1,060						1,060
Total			$	—					$	—					$	2,761					$	2,761

Financing Receivable, Loan Modification, Financial Effect

The following tables present the financial effect of the loan modifications presented above for borrowers experiencing financial difficulty for the nine months ended September 30, 2024 and September 30, 2023:

Nine Months Ended September 30, 2024

Weighted Average Payment Delay Period (in months)

Commercial business

3

Nine Months Ended September 30, 2023

Weighted Average Payment Delay Period (in months)

Weighted-Average Term Extension (in months)

One- to four-family construction

n/a

11

Commercial business

8

n/a

Agricultural business, including secured by farmland

8

n/a

One- to four-family residential

8

n/a

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 September 30, 2024 and December 31, 2023 (in thousands). In addition, the tables include the gross charge-offs for the nine months ended September 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.

			September 30, 2024
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2024						2023						2022						2021						2020						Prior
Commercial real estate - owner occupied
Risk Rating
Pass			$	140,671					$	178,466					$	131,807					$	152,213					$	113,768					$	185,325					$	45,934					$	948,184
Special Mention			2,456						—						—						—						—						—						2,803						5,259
Substandard			—						294						16,512						212						4,619						15,436						—						37,073
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Commercial real estate - owner occupied			$	143,127					$	178,760					$	148,319					$	152,425					$	118,387					$	200,761					$	48,737					$	990,516
Current period gross charge-offs			$	—					$	—					$	347					$	—					$	—					$	—					$	—					$	347
Commercial real estate - investment properties
Risk Rating
Pass			$	97,301					$	135,910					$	215,341					$	270,559					$	131,414					$	677,951					$	36,118					$	1,564,594
Special Mention			—						—						—						—						—						2,669						1,100						3,769
Substandard			—						2,257						5,811						—						—						7,432						—						15,500
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Commercial real estate - investment properties			$	97,301					$	138,167					$	221,152					$	270,559					$	131,414					$	688,052					$	37,218					$	1,583,863
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Multifamily real estate
Risk Rating
Pass			$	118,853					$	89,808					$	203,606					$	205,400					$	95,032					$	172,061					$	2,961					$	887,721
Special Mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						2,145						—						2,145
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Multifamily real estate			$	118,853					$	89,808					$	203,606					$	205,400					$	95,032					$	174,206					$	2,961					$	889,866
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			September 30, 2024
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2024						2023						2022						2021						2020						Prior
Commercial construction
Risk Rating
Pass			$	47,058					$	54,404					$	8,385					$	—					$	12,515					$	935					$	—					$	123,297
Special Mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						754						—						—						—						754
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Commercial construction			$	47,058					$	54,404					$	8,385					$	754					$	12,515					$	935					$	—					$	124,051
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Multifamily construction
Risk Rating
Pass			$	134,915					$	197,811					$	181,203					$	1,249					$	—					$	—					$	8,930					$	524,108
Special Mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Multifamily construction			$	134,915					$	197,811					$	181,203					$	1,249					$	—					$	—					$	8,930					$	524,108
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
One- to four- family construction
Risk Rating
Pass			$	395,148					$	96,245					$	13,392					$	—					$	—					$	—					$	243					$	505,028
Special Mention			—						—						—						—						—						—						—						—
Substandard			380						1,834						108						—						—						—						—						2,322
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total One- to four- family construction			$	395,528					$	98,079					$	13,500					$	—					$	—					$	—					$	243					$	507,350
Current period gross charge-offs			$	—					$	—					$	145					$	—					$	—					$	—					$	—					$	145

			September 30, 2024
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2024						2023						2022						2021						2020						Prior
Land and land development
Risk Rating
Pass			$	167,043					$	114,203					$	34,834					$	25,275					$	9,962					$	15,545					$	807					$	367,669
Special Mention			—						—						639						—						—						—						—						639
Substandard			—						1,098						403						277						566						38						—						2,382
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Land and land development			$	167,043					$	115,301					$	35,876					$	25,552					$	10,528					$	15,583					$	807					$	370,690
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial business
Risk Rating
Pass			$	127,940					$	131,274					$	184,558					$	105,516					$	113,786					$	201,698					$	350,938					$	1,215,710
Special Mention			246						—						79						26						—						40						29,777						30,168
Substandard			2,774						3,245						4,629						3,062						4,804						3,285						13,938						35,737
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Commercial business			$	130,960					$	134,519					$	189,266					$	108,604					$	118,590					$	205,023					$	394,653					$	1,281,615
Current period gross charge-offs			$	—					$	418					$	—					$	1					$	—					$	54					$	489					$	962
Agricultural business, including secured by farmland
Risk Rating
Pass			$	21,144					$	41,755					$	27,892					$	24,150					$	13,400					$	55,732					$	128,214					$	312,287
Special Mention			1,153						1,300						690						—						3,367						—						5,974						12,484
Substandard			—						4,812						3,462						602						—						9,237						3,802						21,915
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total Agricultural business, including secured by farmland			$	22,297					$	47,867					$	32,044					$	24,752					$	16,767					$	64,969					$	137,990					$	346,686
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			December 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			$	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 Origination																																				Revolving Loans						Total Loans
By class:			2023						2022						2021						2020						2019						Prior
Commercial construction
Risk Rating
Pass			$	86,165					$	62,302					$	4,056					$	12,705					$	—					$	1,015					$	—					$	166,243
Special Mention			3,010						—						—						—						—						—						—						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			—						—						—						—						—						—						—						—
Substandard			6,715						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 Origination																																				Revolving Loans						Total Loans
By class:			2023						2022						2021						2020						2019						Prior
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 Mention			199						—						—						—						43						—						2,548						2,790
Substandard			1,919						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 Mention			550						—						652						—						—						301						308						1,811
Substandard			4,057						—						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 September 30, 2024 and December 31, 2023 (in thousands). In addition, the tables include the gross charge-offs for the nine months ended September 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.

			September 30, 2024
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2024						2023						2022						2021						2020						Prior
Small balance CRE
Past Due Category
Current			$	38,295					$	85,425					$	194,676					$	217,409					$	170,819					$	511,277					$	—					$	1,217,901
30-59 Days Past Due			—						—						—						—						—						175						—						175
60-89 Days Past Due			—						—						—						—						—						333						—						333
90 Days + Past Due			—						—						—						—						413						—						—						413
Total Small balance CRE			$	38,295					$	85,425					$	194,676					$	217,409					$	171,232					$	511,785					$	—					$	1,218,822
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Small business scored
Past Due Category
Current			$	159,428					$	178,425					$	248,503					$	152,898					$	73,114					$	132,365					$	138,166					$	1,082,899
30-59 Days Past Due			—						407						666						282						—						78						395						1,828
60-89 Days Past Due			—						130						—						474						7						37						36						684
90 Days + Past Due			—						265						871						383						—						784						—						2,303
Total Small business scored			$	159,428					$	179,227					$	250,040					$	154,037					$	73,121					$	133,264					$	138,597					$	1,087,714
Current period gross charge-offs			$	82					$	82					$	430					$	207					$	47					$	550					$	—					$	1,398
One- to four- family residential
Past Due Category
Current			$	142,408					$	341,660					$	557,965					$	250,281					$	53,013					$	219,078					$	—					$	1,564,405
30-59 Days Past Due			—						—						—						—						—						297						—						297
60-89 Days Past Due			157						—						903						236						—						522						—						1,818
90 Days + Past Due			—						2,002						1,743						2,779						1,223						897						—						8,644
Total One- to four- family residential			$	142,565					$	343,662					$	560,611					$	253,296					$	54,236					$	220,794					$	—					$	1,575,164
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			September 30, 2024
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2024						2023						2022						2021						2020						Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current			$	5,046					$	1,474					$	5,212					$	1,929					$	1,448					$	6,685					$	591,675					$	613,469
30-59 Days Past Due			—						—						802						—						70						268						2,827						3,967
60-89 Days Past Due			—						396						710						25						—						71						—						1,202
90 Days + Past Due			—						371						626						469						1,012						1,405						94						3,977
Total Consumer—home equity revolving lines of credit			$	5,046					$	2,241					$	7,350					$	2,423					$	2,530					$	8,429					$	594,596					$	622,615
Current period gross charge-offs			$	—					$	—					$	58					$	—					$	11					$	—					$	110					$	179
Consumer-other
Past Due Category
Current			$	7,119					$	7,491					$	26,794					$	8,753					$	5,578					$	18,398					$	26,803					$	100,936
30-59 Days Past Due			9						5						120						—						122						99						155						510
60-89 Days Past Due			—						2						12						—						—						3						83						100
90 Days + Past Due			—						—						—						—						—						—						—						—
Total Consumer-other			$	7,128					$	7,498					$	26,926					$	8,753					$	5,700					$	18,500					$	27,041					$	101,546
Current period gross charge-offs			$	—					$	48					$	87					$	63					$	28					$	168					$	908					$	1,302

			December 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			$	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 Due			16						171						1,048						52						169						287						307						2,050
60-89 Days Past Due			18						—						—						60						79						393						83						633
90 Days + Past Due			24						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 Due			846						3,087						979						511						—						1,441						—						6,864
60-89 Days Past Due			—						540						510						388						151						790						—						2,379
90 Days + Past Due			1,060						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 Origination																																				Revolving Loans						Total Loans
By class:			2023						2022						2021						2020						2019						Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current			$	5,003					$	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 Due			5						—						62						—						—						81						269						417
60-89 Days Past Due			12						—						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

Loans, Collateral Dependent [Table Text Block]

The following tables provide the amortized cost basis of collateral-dependent loans as of September 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.

			September 30, 2024
			Real Estate						Accounts Receivable						Equipment						Inventory						Total
Commercial real estate:
Owner-occupied			$	1,044					$	—					$	—					$	—					$	1,044
Small balance CRE			581						—						—						—						581
Construction, land and land development:
One- to four-family construction			1,834						—						—						—						1,834
Land and land development			1,624						—						—						—						1,624
Commercial business
Commercial business			—						1,156						5,590						550						7,296
Small business scored			—						—						93						—						93
Agricultural business, including secured by farmland			4,229						—						3,447						—						7,676
One- to four-family residential			5,386						—						—						—						5,386
Consumer—home equity revolving lines of credit			821						—						—						—						821
Total			$	15,519					$	1,156					$	9,130					$	550					$	26,355

			December 31, 2023
			Real Estate						Accounts Receivable						Equipment						Inventory						Total
Commercial real estate:
Owner-occupied			$	1,391					$	—					$	—					$	—					$	1,391
Small balance CRE			755						—						—						—						755
One- to four-family construction			8,859						—						—						—						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 residential			1,954						—						—						—						1,954
Consumer—home equity revolving lines of credit			821						—						—						—						821
Total			$	16,356					$	1,059					$	5,085					$	812					$	23,312

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 September 30, 2024 and December 31, 2023 (in thousands). In addition, the tables include the gross charge-offs for the nine months ended September 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.

			September 30, 2024
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2024						2023						2022						2021						2020						Prior
Small balance CRE
Past Due Category
Current			$	38,295					$	85,425					$	194,676					$	217,409					$	170,819					$	511,277					$	—					$	1,217,901
30-59 Days Past Due			—						—						—						—						—						175						—						175
60-89 Days Past Due			—						—						—						—						—						333						—						333
90 Days + Past Due			—						—						—						—						413						—						—						413
Total Small balance CRE			$	38,295					$	85,425					$	194,676					$	217,409					$	171,232					$	511,785					$	—					$	1,218,822
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Small business scored
Past Due Category
Current			$	159,428					$	178,425					$	248,503					$	152,898					$	73,114					$	132,365					$	138,166					$	1,082,899
30-59 Days Past Due			—						407						666						282						—						78						395						1,828
60-89 Days Past Due			—						130						—						474						7						37						36						684
90 Days + Past Due			—						265						871						383						—						784						—						2,303
Total Small business scored			$	159,428					$	179,227					$	250,040					$	154,037					$	73,121					$	133,264					$	138,597					$	1,087,714
Current period gross charge-offs			$	82					$	82					$	430					$	207					$	47					$	550					$	—					$	1,398
One- to four- family residential
Past Due Category
Current			$	142,408					$	341,660					$	557,965					$	250,281					$	53,013					$	219,078					$	—					$	1,564,405
30-59 Days Past Due			—						—						—						—						—						297						—						297
60-89 Days Past Due			157						—						903						236						—						522						—						1,818
90 Days + Past Due			—						2,002						1,743						2,779						1,223						897						—						8,644
Total One- to four- family residential			$	142,565					$	343,662					$	560,611					$	253,296					$	54,236					$	220,794					$	—					$	1,575,164
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			September 30, 2024
			Term Loans by Year of Origination																																				Revolving Loans						Total Loans
By class:			2024						2023						2022						2021						2020						Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current			$	5,046					$	1,474					$	5,212					$	1,929					$	1,448					$	6,685					$	591,675					$	613,469
30-59 Days Past Due			—						—						802						—						70						268						2,827						3,967
60-89 Days Past Due			—						396						710						25						—						71						—						1,202
90 Days + Past Due			—						371						626						469						1,012						1,405						94						3,977
Total Consumer—home equity revolving lines of credit			$	5,046					$	2,241					$	7,350					$	2,423					$	2,530					$	8,429					$	594,596					$	622,615
Current period gross charge-offs			$	—					$	—					$	58					$	—					$	11					$	—					$	110					$	179
Consumer-other
Past Due Category
Current			$	7,119					$	7,491					$	26,794					$	8,753					$	5,578					$	18,398					$	26,803					$	100,936
30-59 Days Past Due			9						5						120						—						122						99						155						510
60-89 Days Past Due			—						2						12						—						—						3						83						100
90 Days + Past Due			—						—						—						—						—						—						—						—
Total Consumer-other			$	7,128					$	7,498					$	26,926					$	8,753					$	5,700					$	18,500					$	27,041					$	101,546
Current period gross charge-offs			$	—					$	48					$	87					$	63					$	28					$	168					$	908					$	1,302

The following tables provide additional detail on the age analysis of the Company’s past due loans as of September 30, 2024 and December 31, 2023 (in thousands):

			September 30, 2024
			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			$	212					$	—					$	1,044					$	1,256					$	989,260					$	990,516					$	1,044					$	1,094					$	—
Investment properties			—						—						2,258						2,258						1,581,605						1,583,863						—						—						2,258
Small balance CRE			175						333						413						921						1,217,901						1,218,822						581						1,033						—
Multifamily real estate			—						—						—						—						889,866						889,866						—						—						—
Construction, land and land development:
Commercial construction			—						—						—						—						124,051						124,051						—						—						—
Multifamily construction			—						—						—						—						524,108						524,108						—						—						—
One- to four-family construction			—						—						1,225						1,225						506,125						507,350						1,834						1,942						380
Land and land development			—						83						1,778						1,861						368,829						370,690						1,624						2,344						—
Commercial business:
Commercial business			865						1,500						1,565						3,930						1,277,685						1,281,615						123						7,777						—
Small business scored			1,828						684						2,303						4,815						1,082,899						1,087,714						—						2,928						—
Agricultural business, including secured by farmland			1,519						3,500						2,856						7,875						338,811						346,686						5,455						7,703						—
One- to four-family residential			297						1,818						8,644						10,759						1,564,405						1,575,164						5,367						9,592						961
Consumer:
Consumer—home equity revolving lines of credit			3,967						1,202						3,977						9,146						613,469						622,615						821						4,631						359
Consumer—other			510						100						—						610						100,936						101,546						—						5						—
Total			$	9,373					$	9,220					$	26,063					$	44,656					$	11,179,950					$	11,224,606					$	16,849					$	39,049					$	3,958

(1)     The Company did not recognize any interest income on non-accrual loans during the nine months ended September 30, 2024.

			December 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			$	—					$	—					$	—					$	—					$	915,897					$	915,897					$	1,391					$	1,450					$	—
Investment properties			—						—						—						—						1,541,344						1,541,344						—						—						—
Small balance CRE			559						—						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 construction			286						—						4,201						4,487						521,945						526,432						2,852						3,105						1,096
Land and land development			1,822						553						42						2,417						334,222						336,639						—						—						42
Commercial business:
Commercial business			1,166						5,735						1,181						8,082						1,247,652						1,255,734						789						7,346						—
Small business scored			2,050						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 residential			6,864						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 credit			2,772						839						2,627						6,238						582,465						588,703						821						3,110						391
Consumer—other			417						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

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 and nine months ended September 30, 2024 and 2023 (in thousands):

			For the Three Months Ended September 30, 2024
			Commercial Real Estate						Multifamily Real Estate						Construction and Land						Commercial Business						Agricultural Business						One- to Four-Family Residential						Consumer												Total
Allowance for credit losses - loans:
Beginning balance			$	39,064					$	8,253					$	31,597					$	38,835					$	4,045					$	20,906					$	10,148											$	152,848
Provision/(recapture) for credit losses			911						1,980						(3,130)						745						1,294						(457)						624												1,967
Recoveries			65						—						—						613						1						14						41												734
Charge-offs			—						—						(145)						(414)						—						—						(405)												(964)
Ending balance			$	40,040					$	10,233					$	28,322					$	39,779					$	5,340					$	20,463					$	10,408											$	154,585
			For the Nine Months Ended September 30, 2024
			Commercial Real Estate						Multifamily Real Estate						Construction and Land						Commercial Business						Agricultural Business						One- to Four-Family Residential						Consumer												Total
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			(5,549)						907						372						4,957						1,173						1,145						2,339												5,344
Recoveries			1,552						—						—						1,718						302						47						312												3,931
Charge-offs			(347)						—						(145)						(2,360)						—						—						(1,481)												(4,333)
Ending balance			$	40,040					$	10,233					$	28,322					$	39,779					$	5,340					$	20,463					$	10,408											$	154,585

			For the Three Months Ended September 30, 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 - loans:
Beginning balance			$	43,636					$	8,039					$	29,844					$	33,880					$	3,573					$	16,737					$	8,971											$	144,680
Provision/(recapture) for credit losses			210						765						(484)						398						690						1,129						235												2,943
Recoveries			170						—						29						403						19						59						126												806
Charge-offs			—						—						—						(616)						(564)						—						(289)												(1,469)
Ending balance			$	44,016					$	8,804					$	29,389					$	34,065					$	3,718					$	17,925					$	9,043											$	146,960
			For the Nine Months Ended September 30, 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 - loans:
Beginning balance			$	44,086					$	7,734					$	29,171					$	33,299					$	3,475					$	14,729					$	8,971											$	141,465
(Recapture)/provision for credit losses			(498)						1,070						345						2,060						677						3,018						604												7,276
Recoveries			428						—						29						1,046						130						212						412												2,257
Charge-offs			—						—						(156)						(2,340)						(564)						(34)						(944)												(4,038)
Ending balance			$	44,016					$	8,804					$	29,389					$	34,065					$	3,718					$	17,925					$	9,043											$	146,960

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