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INCOME TAXES (Schedule of Net Deferred Tax Asset ) (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Deferred tax assets:    
Loan loss and REO $ 41,045 $ 39,495
Deferred compensation 22,983 21,470
Net operating loss carryforward 10,482 12,967
Federal and state tax credits 758 758
State net operating losses 3,757 3,978
Loan discount 379 625
Lease liability 10,416 11,547
Unrealized loss on securities—available-for-sale, net 87,709 91,455
Other 1,191 4,222
Total deferred tax assets 178,720 186,517
Deferred tax liabilities:    
Depreciation (3,783) (5,428)
Deferred loan fees, servicing rights and loan origination costs (12,575) (13,008)
Intangibles (2,922) (3,313)
Right of use asset (9,583) (10,378)
Financial instruments accounted for under fair value accounting (815) (841)
Total deferred tax liabilities (29,678) (32,968)
Deferred income tax asset 149,042 153,549
Valuation allowance (184) (184)
Deferred tax asset, net $ 148,858 $ 153,365