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LOANS RECEIVABLE AND THE ALLOWANCE FOR CREDIT LOSSES (Tables)
 3 Months Ended
Mar. 31, 2025
Receivables [Abstract]  
Schedule of Loans Receivable, Including Loans Held for Sale
The following table presents the loans receivable at March 31, 2025 and December 31, 2024 by class (dollars in thousands).
 March 31, 2025December 31, 2024
 AmountPercent of TotalAmountPercent of Total
Commercial real estate:    
Owner-occupied$1,020,829 9 %$1,027,426 9 %
Investment properties1,598,387 14 1,623,672 14 
Small balance CRE1,217,458 10 1,213,792 11 
Multifamily real estate877,716 8 894,425 8 
Construction, land and land development:
Commercial construction146,467 1 122,362 1 
Multifamily construction618,942 6 513,706 5 
One- to four-family construction504,265 5 514,220 5 
Land and land development396,009 3 369,663 3 
Commercial business:
Commercial business
1,283,754 11 1,318,333 11 
Small business scored1,122,550 10 1,104,117 10 
Agricultural business, including secured by farmland334,899 3 340,280 3 
One- to four-family residential1,600,283 14 1,591,260 14 
Consumer:
Consumer—home equity revolving lines of credit
620,483 5 625,680 5 
Consumer—other96,754 1 95,720 1 
Total loans11,438,796 100 %11,354,656 100 %
Less allowance for credit losses – loans(157,323) (155,521) 
Net loans$11,281,473  $11,199,135  
Schedule of Troubled Debt Restructurings The following table presents the amortized cost basis and financial effect of loans at March 31, 2025, that were both experiencing financial difficulty and modified during the three months ended March 31, 2025 (in thousands). There were no loans modified related to borrowers experiencing financial difficulty during the three months ended March 31, 2024.
 
March 31, 2025
Term ExtensionTotal
One- to four-family construction$1,810 $1,810 
Land and land development3,280 3,280 
Total$5,090 $5,090 
Financing Receivable, Modified, Past Due
 March 31, 2024
 30-59 Days Past Due60-89 Days Past Due90 Days or More Past DueNonaccrualTotal
Commercial business$— $— $— $121 $121 
Agricultural business, including secured by farmland— — — 1,584 1,584 
One- to four-family residential— — — 1,060 1,060 
Total$— $— $— $2,765 $2,765 
Financing Receivable, Loan Modification, Financial Effect
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, 2025:
 Three Months Ended March 31, 2025
 Weighted-Average Term Extension
(in months)
One- to four-family construction3
Land and land development6
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, 2025 and December 31, 2024 (in thousands). In addition, the tables include the gross charge-offs for the three months ended March 31, 2025 and the year ended December 31, 2024. Revolving loans that are converted to term loans are treated as new originations in the tables 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, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Commercial real estate - owner occupied
Risk Rating
Pass$13,741 $196,384 $169,403 $109,756 $151,232 $262,732 $56,680 $959,928 
Special Mention— — — 5,821 — 2,282 1,571 9,674 
Substandard— — 291 22,074 2,182 26,680 — 51,227 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - owner occupied$13,741 $196,384 $169,694 $137,651 $153,414 $291,694 $58,251 $1,020,829 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate - investment properties
Risk Rating
Pass$23,303 $117,643 $139,088 $204,528 $266,065 $777,028 $56,172 $1,583,827 
Special Mention— — — — — — 1,616 1,616 
Substandard— — — 5,634 — 7,310 — 12,944 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - investment properties$23,303 $117,643 $139,088 $210,162 $266,065 $784,338 $57,788 $1,598,387 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily real estate
Risk Rating
Pass$93,247 $78,885 $81,626 $181,006 $180,026 $256,371 $2,057 $873,218 
Special Mention— — — — — 2,394 — 2,394 
Substandard— — — — — 2,104 — 2,104 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily real estate$93,247 $78,885 $81,626 $181,006 $180,026 $260,869 $2,057 $877,716 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
March 31, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Commercial construction
Risk Rating
Pass$24,251 $67,589 $36,669 $17,209 $— $— $— $145,718 
Special Mention— — — — — — — — 
Substandard— — — — 749 — — 749 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial construction$24,251 $67,589 $36,669 $17,209 $749 $— $— $146,467 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily construction
Risk Rating
Pass$75,390 $154,933 $238,951 $143,560 $— $— $942 $613,776 
Special Mention— 5,166 — — — — — 5,166 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily construction$75,390 $160,099 $238,951 $143,560 $— $— $942 $618,942 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
One- to four- family construction
Risk Rating
Pass$159,807 $309,703 $30,214 $— $— $— $833 $500,557 
Special Mention— — — — — — — — 
Substandard1,810 1,160 738 — — — — 3,708 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total One- to four- family construction$161,617 $310,863 $30,952 $— $— $— $833 $504,265 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
March 31, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Land and land development
Risk Rating
Pass$73,090 $173,261 $62,290 $31,082 $21,461 $22,204 $6,001 $389,389 
Special Mention— — — — — — — — 
Substandard638 3,280 1,209 663 277 553 — 6,620 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Land and land development$73,728 $176,541 $63,499 $31,745 $21,738 $22,757 $6,001 $396,009 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial business
Risk Rating
Pass$25,411 $172,684 $123,940 $175,530 $82,125 $290,255 $354,508 $1,224,453 
Special Mention— 231 — 72 13 — 5,775 6,091 
Substandard496 1,183 1,161 1,259 1,559 5,540 42,012 53,210 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial business$25,907 $174,098 $125,101 $176,861 $83,697 $295,795 $402,295 $1,283,754 
Current period gross charge-offs$— $1,706 $864 $— $— $125 $220 $2,915 
Agricultural business, including secured by farmland
Risk Rating
Pass$2,604 $21,466 $39,663 $21,304 $23,112 $68,322 $120,140 $296,611 
Special Mention— — 5,963 670 — — 292 6,925 
Substandard690 2,323 3,066 9,887 1,885 13,026 486 31,363 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Agricultural business, including secured by farmland$3,294 $23,789 $48,692 $31,861 $24,997 $81,348 $120,918 $334,899 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
December 31, 2024
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20242023202220212020Prior
Commercial real estate - owner occupied
Risk Rating
Pass$188,895 $171,046 $120,470 $152,940 $107,495 $174,221 $56,699 $971,766 
Special Mention2,452 — — — 9,444 — 1,997 13,893 
Substandard— 292 22,020 2,182 — 17,273 — 41,767 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - owner occupied$191,347 $171,338 $142,490 $155,122 $116,939 $191,494 $58,696 $1,027,426 
Current period gross charge-offs$— $— $351 $— $— $— $— $351 
Commercial real estate - investment properties
Risk Rating
Pass$128,132 $144,473 $209,107 $270,202 $142,808 $659,253 $51,925 $1,605,900 
Special Mention— — — — — 2,649 2,027 4,676 
Substandard— — 5,724 — — 7,372 — 13,096 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - investment properties$128,132 $144,473 $214,831 $270,202 $142,808 $669,274 $53,952 $1,623,672 
Multifamily real estate
Risk Rating
Pass$124,675 $87,955 $206,373 $205,964 $94,637 $170,235 $2,461 $892,300 
Special Mention— — — — — — — — 
Substandard— — — — — 2,125 — 2,125 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily real estate$124,675 $87,955 $206,373 $205,964 $94,637 $172,360 $2,461 $894,425 
December 31, 2024
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20242023202220212020Prior
Commercial construction
Risk Rating
Pass$75,095 $34,032 $12,481 $— $— $— $— $121,608 
Special Mention— — — — — — — — 
Substandard— — — 754 — — — 754 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial construction$75,095 $34,032 $12,481 $754 $— $— $— $122,362 
Multifamily construction
Risk Rating
Pass$151,244 $226,411 $121,706 $— $— $— $14,345 $513,706 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily construction$151,244 $226,411 $121,706 $— $— $— $14,345 $513,706 
One- to four- family construction
Risk Rating
Pass$445,602 $50,521 $10,744 $— $— $— $322 $507,189 
Special Mention— — — — — — — — 
Substandard6,293 738 — — — — — 7,031 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total One- to four- family construction$451,895 $51,259 $10,744 $— $— $— $322 $514,220 
Current period gross charge-offs$— $— $150 $— $— $— $— $150 
December 31, 2024
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20242023202220212020Prior
Land and land development
Risk Rating
Pass$197,490 $85,344 $33,283 $22,897 $9,575 $13,871 $1,106 $363,566 
Special Mention— — — — — — — — 
Substandard3,764 1,098 396 277 562 — — 6,097 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Land and land development$201,254 $86,442 $33,679 $23,174 $10,137 $13,871 $1,106 $369,663 
Commercial business
Risk Rating
Pass$168,794 $129,476 $186,001 $97,590 $108,881 $192,416 $365,770 $1,248,928 
Special Mention241 — 657 818 — 727 12,022 14,465 
Substandard2,889 1,714 547 947 3,214 2,274 43,355 54,940 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial business$171,924 $131,190 $187,205 $99,355 $112,095 $195,417 $421,147 $1,318,333 
Current period gross charge-offs$2,301 $418 $— $689 $— $54 $558 $4,020 
Agricultural business, including secured by farmland
Risk Rating
Pass$22,330 $40,228 $19,475 $22,117 $12,746 $53,884 $127,755 $298,535 
Special Mention— — 670 — — — 6,684 7,354 
Substandard1,962 8,980 9,999 1,183 3,367 8,850 50 34,391 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Agricultural business, including secured by farmland$24,292 $49,208 $30,144 $23,300 $16,113 $62,734 $134,489 $340,280 
The following tables present the Company’s portfolio of non-risk-rated loans by class and delinquency status as of March 31, 2025 and December 31, 2024 (in thousands). In addition, the tables include the gross charge-offs for the three months ended March 31, 2025 and the year ended December 31, 2024. Revolving loans that are converted to term loans are treated as new originations in the tables 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, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Small balance CRE
Past Due Category
Current$25,904 $68,317 $85,644 $197,490 $208,323 $629,876 $— $1,215,554 
30-59 Days Past Due— 1,407 — — — — — 1,407 
60-89 Days Past Due— 497 — — — — — 497 
90 Days + Past Due— — — — — — — — 
Total Small balance CRE$25,904 $70,221 $85,644 $197,490 $208,323 $629,876 $— $1,217,458 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Small business scored
Past Due Category
Current$52,104 $206,612 $166,248 $227,891 $141,530 $182,341 $138,480 $1,115,206 
30-59 Days Past Due— 127 422 2,118 73 366 851 3,957 
60-89 Days Past Due— — 47 99 — 122 68 336 
90 Days + Past Due— 8 962 1,417 263 401 — 3,051 
Total Small business scored$52,104 $206,747 $167,679 $231,525 $141,866 $183,230 $139,399 $1,122,550 
Current period gross charge-offs$— $7 $60 $192 $121 $6 $— $386 
One- to four- family residential
Past Due Category
Current$37,018 $213,869 $297,777 $529,962 $239,939 $253,926 $— $1,572,491 
30-59 Days Past Due— 1,746 4,938 2,996 2,099 3,297 — 15,076 
60-89 Days Past Due— 1,058 — 1,111 1,703 626 — 4,498 
90 Days + Past Due— 588 1,255 2,035 2,379 1,961 — 8,218 
Total One- to four- family residential$37,018 $217,261 $303,970 $536,104 $246,120 $259,810 $— $1,600,283 
Current period gross charge-offs$— $— $— $— $— $13 $— $13 
March 31, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$3,441 $1,358 $2,255 $6,428 $2,770 $9,795 $588,229 $614,276 
30-59 Days Past Due— — — 649 226 430 1,204 2,509 
60-89 Days Past Due— — 100 201 545 471 1 1,318 
90 Days + Past Due— — 1,059 234 100 987 — 2,380 
Total Consumer—home equity revolving lines of credit$3,441 $1,358 $3,414 $7,512 $3,641 $11,683 $589,434 $620,483 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Consumer-other
Past Due Category
Current$3,031 $8,287 $5,700 $23,972 $7,962 $21,637 $25,667 $96,256 
30-59 Days Past Due— — 9 122 — 178 120 429 
60-89 Days Past Due— 5 — — — 5 59 69 
90 Days + Past Due— — — — — — — — 
Total Consumer-other$3,031 $8,292 $5,709 $24,094 $7,962 $21,820 $25,846 $96,754 
Current period gross charge-offs$— $13 $36 $65 $38 $27 $185 $364 
December 31, 2024
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20242023202220212020Prior
Small balance CRE
Past Due Category
Current$66,708 $87,829 $198,461 $209,983 $166,244 $484,567 $— $1,213,792 
30-59 Days Past Due— — — — — — — — 
60-89 Days Past Due— — — — — — — — 
90 Days + Past Due— — — — — — — — 
Total Small balance CRE$66,708 $87,829 $198,461 $209,983 $166,244 $484,567 $— $1,213,792 
Small business scored
Past Due Category
Current$209,692 $172,327 $236,769 $146,220 $69,795 $123,250 $139,836 $1,097,889 
30-59 Days Past Due16 62 1,084 650 104 523 523 2,962 
60-89 Days Past Due— 823 75 252 — 88 30 1,268 
90 Days + Past Due— 135 1,349 343 5 166 — 1,998 
Total Small business scored$209,708 $173,347 $239,277 $147,465 $69,904 $124,027 $140,389 $1,104,117 
Current period gross charge-offs$82 $122 $522 $575 $47 $587 $— $1,935 
One- to four- family residential
Past Due Category
Current$219,254 $306,523 $537,271 $246,070 $51,761 $207,017 $— $1,567,896 
30-59 Days Past Due1,743 1,731 2,733 762 469 1,818 — 9,256 
60-89 Days Past Due533 570 1,635 270 442 1,099 — 4,549 
90 Days + Past Due— 2,000 2,459 2,983 1,156 961 — 9,559 
Total One- to four- family residential$221,530 $310,824 $544,098 $250,085 $53,828 $210,895 $— $1,591,260 
December 31, 2024
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20242023202220212020Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$4,551 $975 $6,884 $1,964 $2,243 $6,582 $595,115 $618,314 
30-59 Days Past Due— 100 1,571 98 — 335 1,532 3,636 
60-89 Days Past Due— — 237 561 — 384 136 1,318 
90 Days + Past Due— 766 247 190 190 1,019 — 2,412 
Total Consumer—home equity revolving lines of credit$4,551 $1,841 $8,939 $2,813 $2,433 $8,320 $596,783 $625,680 
Current period gross charge-offs$— $— $58 $— $11 $1 $110 $180 
Consumer-other
Past Due Category
Current$9,329 $6,333 $25,334 $8,243 $5,390 $17,374 $23,185 $95,188 
30-59 Days Past Due5 — 54 — 3 88 166 316 
60-89 Days Past Due2 15 20 39 — 1 94 171 
90 Days + Past Due— — 45 — — — — 45 
Total Consumer-other$9,336 $6,348 $25,453 $8,282 $5,393 $17,463 $23,445 $95,720 
Current period gross charge-offs$9 $50 $105 $71 $37 $211 $1,247 $1,730 
Loans, Collateral Dependent [Table Text Block]
The following tables provide the amortized cost basis of collateral-dependent loans as of March 31, 2025 and December 31, 2024 (in thousands). Our collateral dependent loans presented in the tables below have no significant concentrations by property type or location.
 March 31, 2025
Real EstateAccounts ReceivableEquipmentInventoryTotal
Commercial real estate:  
Owner-occupied$2,182 $— $— $— $2,182 
Construction, land and land development:
One- to four-family construction1,898 — — — 1,898 
Land and land development1,614 — — — 1,614 
Commercial business
Commercial business525 733 276 175 1,709 
Small business scored1,275 — — — 1,275 
Agricultural business, including secured by farmland
6,731 — 3,447 — 10,178 
One- to four-family residential4,890 — — — 4,890 
Consumer—home equity revolving lines of credit 956 — — — 956 
Total$20,071 $733 $3,723 $175 $24,702 

 December 31, 2024
Real EstateAccounts ReceivableEquipmentInventoryTotal
Commercial real estate:  
Owner-occupied$2,182 $— $— $— $2,182 
One- to four-family construction1,834 — — — 1,834 
Land and land development1,622 — — — 1,622 
Commercial business
Commercial business— 1,789 1,660 427 3,876 
Small business scored623 — — — 623 
Agricultural business, including secured by farmland
5,013 — 3,447 — 8,460 
One- to four-family residential5,374 — — — 5,374 
Consumer—home equity revolving lines of credit 977 — — — 977 
Total$17,625 $1,789 $5,107 $427 $24,948 
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, 2025 and December 31, 2024 (in thousands). In addition, the tables include the gross charge-offs for the three months ended March 31, 2025 and the year ended December 31, 2024. Revolving loans that are converted to term loans are treated as new originations in the tables 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, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Small balance CRE
Past Due Category
Current$25,904 $68,317 $85,644 $197,490 $208,323 $629,876 $— $1,215,554 
30-59 Days Past Due— 1,407 — — — — — 1,407 
60-89 Days Past Due— 497 — — — — — 497 
90 Days + Past Due— — — — — — — — 
Total Small balance CRE$25,904 $70,221 $85,644 $197,490 $208,323 $629,876 $— $1,217,458 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Small business scored
Past Due Category
Current$52,104 $206,612 $166,248 $227,891 $141,530 $182,341 $138,480 $1,115,206 
30-59 Days Past Due— 127 422 2,118 73 366 851 3,957 
60-89 Days Past Due— — 47 99 — 122 68 336 
90 Days + Past Due— 8 962 1,417 263 401 — 3,051 
Total Small business scored$52,104 $206,747 $167,679 $231,525 $141,866 $183,230 $139,399 $1,122,550 
Current period gross charge-offs$— $7 $60 $192 $121 $6 $— $386 
One- to four- family residential
Past Due Category
Current$37,018 $213,869 $297,777 $529,962 $239,939 $253,926 $— $1,572,491 
30-59 Days Past Due— 1,746 4,938 2,996 2,099 3,297 — 15,076 
60-89 Days Past Due— 1,058 — 1,111 1,703 626 — 4,498 
90 Days + Past Due— 588 1,255 2,035 2,379 1,961 — 8,218 
Total One- to four- family residential$37,018 $217,261 $303,970 $536,104 $246,120 $259,810 $— $1,600,283 
Current period gross charge-offs$— $— $— $— $— $13 $— $13 
March 31, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$3,441 $1,358 $2,255 $6,428 $2,770 $9,795 $588,229 $614,276 
30-59 Days Past Due— — — 649 226 430 1,204 2,509 
60-89 Days Past Due— — 100 201 545 471 1 1,318 
90 Days + Past Due— — 1,059 234 100 987 — 2,380 
Total Consumer—home equity revolving lines of credit$3,441 $1,358 $3,414 $7,512 $3,641 $11,683 $589,434 $620,483 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Consumer-other
Past Due Category
Current$3,031 $8,287 $5,700 $23,972 $7,962 $21,637 $25,667 $96,256 
30-59 Days Past Due— — 9 122 — 178 120 429 
60-89 Days Past Due— 5 — — — 5 59 69 
90 Days + Past Due— — — — — — — — 
Total Consumer-other$3,031 $8,292 $5,709 $24,094 $7,962 $21,820 $25,846 $96,754 
Current period gross charge-offs$— $13 $36 $65 $38 $27 $185 $364 
The following tables provide additional detail on the age analysis of the Company’s past due loans as of March 31, 2025 and December 31, 2024 (in thousands):
 March 31, 2025
 30-59 Days
Past Due		60-89 Days
Past Due		90 Days or More
Past Due		Total
Past Due		CurrentTotal LoansNon-accrual with no Allowance
Total Non-accrual (1)
Loans 90 Days or More Past Due and Accruing
Commercial real estate:       
Owner-occupied$— $— $2,183 $2,183 $1,018,646 $1,020,829 $— $2,182 $— 
Investment properties— — — — 1,598,387 1,598,387 — — — 
Small balance CRE1,407 497 — 1,904 1,215,554 1,217,458 — — — 
Multifamily real estate— — — — 877,716 877,716 — — — 
Construction, land and land development:
Commercial construction— — — — 146,467 146,467 — — — 
Multifamily construction— — — — 618,942 618,942 — — — 
One- to four-family construction1,160 — 737 1,897 502,368 504,265 1,897 1,897 — 
Land and land development1,216 271 1,675 3,162 392,847 396,009 1,033 2,462 — 
Commercial business:
Commercial business11,020 219 555 11,794 1,271,960 1,283,754 — 2,669 — 
Small business scored3,957 336 3,051 7,344 1,115,206 1,122,550 623 3,756 206 
Agricultural business, including secured by farmland
— 3,466 5,680 9,146 325,753 334,899 6,255 10,301 — 
One- to four-family residential15,076 4,498 8,218 27,792 1,572,491 1,600,283 4,891 10,448 9 
Consumer:
Consumer—home equity revolving lines of credit2,509 1,318 2,380 6,207 614,276 620,483 956 4,874 155 
Consumer—other429 69 — 498 96,256 96,754 — — — 
Total$36,774 $10,674 $24,479 $71,927 $11,366,869 $11,438,796 $15,655 $38,589 $370 

(1)     The Company did not recognize any interest income on non-accrual loans during the three months ended March 31, 2025.
 December 31, 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$— $— $2,182 $2,182 $1,025,244 $1,027,426 $— $2,182 $— 
Investment properties— — — — 1,623,672 1,623,672 — — — 
Small balance CRE— — — — 1,213,792 1,213,792 — 4 — 
Multifamily real estate— — — — 894,425 894,425 — — — 
Construction, land and land development:
Commercial construction754 — — 754 121,608 122,362 — — — 
Multifamily construction— — — — 513,706 513,706 — — — 
One- to four-family construction— — 738 738 513,482 514,220 1,834 1,834 — 
Land and land development1,600 796 1,568 3,964 365,699 369,663 1,622 2,129 — 
Commercial business:
Commercial business2,025 — 1,012 3,037 1,315,296 1,318,333 123 4,103 — 
Small business scored2,962 1,268 1,998 6,228 1,097,889 1,104,117 623 2,964 — 
Agricultural business, including secured by farmland
190 — 7,077 7,267 333,013 340,280 4,829 8,485 — 
One-to four-family residential9,256 4,549 9,559 23,364 1,567,896 1,591,260 5,374 10,016 369 
Consumer:
Consumer—home equity revolving lines of credit3,636 1,318 2,412 7,366 618,314 625,680 977 4,790 35 
Consumer—other316 171 45 532 95,188 95,720 — 45 — 
Total$20,739 $8,102 $26,591 $55,432 $11,299,224 $11,354,656 $15,382 $36,552 $404 
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, 2025 and 2024 (in thousands):
 For the Three Months Ended March 31, 2025
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses - loans:        
Beginning balance$40,830 $10,308 $29,038 $38,611 $5,727 $20,807 $10,200 $155,521 
(Recapture)/provision for credit losses(811)(199)3,004 2,798 (96)(230)83 4,549 
Recoveries57 — — 557 10 188 119 931 
Charge-offs— — — (3,301)— (13)(364)(3,678)
Ending balance$40,076 $10,109 $32,042 $38,665 $5,641 $20,752 $10,038 $157,323 

 For the Three Months Ended March 31, 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(2,218)(33)813 1,108 (81)1,145 690 1,424 
Recoveries1,389 — — 781 106 16 159 2,451 
Charge-offs— — — (1,809)— — (569)(2,378)
Ending balance$43,555 $9,293 $28,908 $35,544 $3,890 $20,432 $9,518 $151,140