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LOANS RECEIVABLE AND THE ALLOWANCE FOR CREDIT LOSSES
 6 Months Ended
Jun. 30, 2025
Receivables [Abstract]  
LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES
The following table presents the loans receivable at June 30, 2025 and December 31, 2024 by class (dollars in thousands).
 June 30, 2025December 31, 2024
 AmountPercent of TotalAmountPercent of Total
Commercial real estate:    
Owner-occupied$1,125,249 10 %$1,027,426 9 %
Investment properties1,625,001 14 1,623,672 14 
Small balance CRE1,223,477 10 1,213,792 11 
Multifamily real estate860,700 7 894,425 8 
Construction, land and land development:
Commercial construction159,222 1 122,362 1 
Multifamily construction568,058 5 513,706 5 
One- to four-family construction551,806 5 514,220 5 
Land and land development417,474 4 369,663 3 
Commercial business:
Commercial business
1,318,483 11 1,318,333 11 
Small business scored1,152,531 10 1,104,117 10 
Agricultural business, including secured by farmland345,742 3 340,280 3 
One- to four-family residential1,610,133 14 1,591,260 14 
Consumer:
Consumer—home equity revolving lines of credit
639,757 5 625,680 5 
Consumer—other92,740 1 95,720 1 
Total loans11,690,373 100 %11,354,656 100 %
Less allowance for credit losses – loans(160,501) (155,521) 
Net loans$11,529,872  $11,199,135  

Loan amounts are net of unearned loan fees in excess of unamortized costs of $16.9 million as of June 30, 2025, and $15.5 million as of December 31, 2024. Net loans include net discounts on acquired loans of $2.9 million and $3.5 million as of June 30, 2025 and December 31, 2024, respectively. Net loans does not include accrued interest receivable. Accrued interest receivable on loans was $52.2 million as of June 30, 2025, and $47.7 million as of December 31, 2024 and was reported in accrued interest receivable on the Consolidated Statements of Financial Condition.

The Company had pledged $8.1 billion and $7.9 billion of loans as collateral for FHLB and other borrowings at June 30, 2025 and December 31, 2024, respectively.
The following tables present the Company’s portfolio of risk-rated loans by class and by grade as of June 30, 2025 and December 31, 2024 (in thousands). In addition, the tables include the gross charge-offs for the six months ended June 30, 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.
June 30, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Commercial real estate - owner occupied
Risk Rating
Pass$128,978 $206,960 $163,653 $117,918 $144,990 $255,510 $55,209 $1,073,218 
Special Mention— — — 9,732 — 12,712 — 22,444 
Substandard— — 290 13,251 9 13,617 2,420 29,587 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - owner occupied$128,978 $206,960 $163,943 $140,901 $144,999 $281,839 $57,629 $1,125,249 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate - investment properties
Risk Rating
Pass$113,704 $111,726 $132,239 $200,845 $263,912 $730,407 $64,919 $1,617,752 
Special Mention— — — — — — — — 
Substandard— — — — — 7,249 — 7,249 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - investment properties$113,704 $111,726 $132,239 $200,845 $263,912 $737,656 $64,919 $1,625,001 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily real estate
Risk Rating
Pass$38,140 $86,256 $81,390 $224,192 $177,088 $248,167 $3,383 $858,616 
Special Mention— — — — — — — — 
Substandard— — — — — 2,084 — 2,084 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily real estate$38,140 $86,256 $81,390 $224,192 $177,088 $250,251 $3,383 $860,700 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
June 30, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Commercial construction
Risk Rating
Pass$38,062 $54,462 $46,064 $19,886 $— $— $— $158,474 
Special Mention— — — — — — — — 
Substandard— — — — 748 — — 748 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial construction$38,062 $54,462 $46,064 $19,886 $748 $— $— $159,222 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily construction
Risk Rating
Pass$123,462 $149,404 $200,736 $83,567 $— $— $4,539 $561,708 
Special Mention6,350 — — — — — — 6,350 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily construction$129,812 $149,404 $200,736 $83,567 $— $— $4,539 $568,058 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
One- to four- family construction
Risk Rating
Pass$302,291 $239,424 $5,341 $— $— $— $798 $547,854 
Special Mention— — — — — — — — 
Substandard2,054 1,160 738 — — — — 3,952 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total One- to four- family construction$304,345 $240,584 $6,079 $— $— $— $798 $551,806 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
June 30, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Land and land development
Risk Rating
Pass$127,082 $162,983 $43,819 $28,934 $20,431 $20,225 $7,574 $411,048 
Special Mention— — — — — — — — 
Substandard3,917 — 1,209 656 99 545 — 6,426 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Land and land development$130,999 $162,983 $45,028 $29,590 $20,530 $20,770 $7,574 $417,474 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial business
Risk Rating
Pass$104,843 $132,336 $106,908 $150,228 $77,332 $282,025 $388,195 $1,241,867 
Special Mention— 220 — 69 13 — 25,163 25,465 
Substandard— 4,589 3,526 1,392 992 4,223 36,429 51,151 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial business$104,843 $137,145 $110,434 $151,689 $78,337 $286,248 $449,787 $1,318,483 
Current period gross charge-offs$— $1,694 $864 $— $— $165 $412 $3,135 
Agricultural business, including secured by farmland
Risk Rating
Pass$6,207 $19,195 $36,057 $22,293 $22,669 $67,266 $125,991 $299,678 
Special Mention5,961 — — 670 — — 447 7,078 
Substandard883 9,483 5,464 8,470 1,849 12,837 — 38,986 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Agricultural business, including secured by farmland$13,051 $28,678 $41,521 $31,433 $24,518 $80,103 $126,438 $345,742 
Current period gross charge-offs$— $— $— $362 $— $— $— $362 
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 June 30, 2025 and December 31, 2024 (in thousands). In addition, the tables include the gross charge-offs for the six months ended June 30, 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.
June 30, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Small balance CRE
Past Due Category
Current$54,760 $66,243 $83,002 $202,495 $208,782 $608,129 $66 $1,223,477 
30-59 Days Past Due— — — — — — — — 
60-89 Days Past Due— — — — — — — — 
90 Days + Past Due— — — — — — — — 
Total Small balance CRE$54,760 $66,243 $83,002 $202,495 $208,782 $608,129 $66 $1,223,477 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Small business scored
Past Due Category
Current$115,846 $201,190 $159,222 $220,345 $136,375 $171,305 $142,906 $1,147,189 
30-59 Days Past Due777 125 73 264 72 847 137 2,295 
60-89 Days Past Due75 — — 398 231 1 28 733 
90 Days + Past Due— 50 524 931 231 578 — 2,314 
Total Small business scored$116,698 $201,365 $159,819 $221,938 $136,909 $172,731 $143,071 $1,152,531 
Current period gross charge-offs$— $107 $569 $217 $142 $23 $— $1,058 
One- to four- family residential
Past Due Category
Current$66,965 $219,201 $297,528 $521,853 $233,946 $249,757 $— $1,589,250 
30-59 Days Past Due— — — — — 403 — 403 
60-89 Days Past Due— 1,163 565 1,727 523 817 — 4,795 
90 Days + Past Due— 1,645 2,496 3,619 5,533 2,392 — 15,685 
Total One- to four- family residential$66,965 $222,009 $300,589 $527,199 $240,002 $253,369 $— $1,610,133 
Current period gross charge-offs$— $— $— $— $— $13 $— $13 
June 30, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$5,556 $1,983 $806 $5,849 $2,774 $8,414 $608,212 $633,594 
30-59 Days Past Due— — 290 665 496 797 1,101 3,349 
60-89 Days Past Due— — 101 100 — 159 — 360 
90 Days + Past Due— — 1,007 318 136 993 — 2,454 
Total Consumer—home equity revolving lines of credit$5,556 $1,983 $2,204 $6,932 $3,406 $10,363 $609,313 $639,757 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Consumer-other
Past Due Category
Current$5,730 $7,316 $5,373 $22,201 $7,272 $20,955 $23,468 $92,315 
30-59 Days Past Due— 7 — 66 — 25 157 255 
60-89 Days Past Due— — — 101 — 43 26 170 
90 Days + Past Due— — — — — — — — 
Total Consumer-other$5,730 $7,323 $5,373 $22,368 $7,272 $21,023 $23,651 $92,740 
Current period gross charge-offs$10 $18 $56 $65 $46 $111 $468 $774 
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 $1,730 
The following tables provide the amortized cost basis of collateral-dependent loans as of June 30, 2025 and December 31, 2024 (in thousands). Our collateral dependent loans presented in the tables below have no significant concentrations by property type or location.
 June 30, 2025
Real EstateAccounts ReceivableEquipmentInventoryTotal
Commercial real estate:  
Owner-occupied$— $— $— $— $— 
Construction, land and land development:
One- to four-family construction1,898 — — — 1,898 
Land and land development1,606 — — — 1,606 
Commercial business
Commercial business— 58 — 1,402 1,460 
Small business scored623 9 — 212 844 
Agricultural business, including secured by farmland
4,714 — 3,447 — 8,161 
One- to four-family residential9,900 — — — 9,900 
Consumer—home equity revolving lines of credit 941 — — — 941 
Total$19,682 $67 $3,447 $1,614 $24,810 

 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 $24,948 
The following tables provide additional detail on the age analysis of the Company’s past due loans as of June 30, 2025 and December 31, 2024 (in thousands):
 June 30, 2025
 30-59 Days
Past Due		60-89 Days
Past Due		90 Days or More
Past Due		Total
Past Due		CurrentTotal LoansNon-accrual with no Allowance
Total Non-accrual (1)
Loans 90 Days or More Past Due and Accruing
Commercial real estate:       
Owner-occupied$— $— $9 $9 $1,125,240 $1,125,249 $9 $10 $— 
Investment properties— — — — 1,625,001 1,625,001 — — — 
Small balance CRE— — — — 1,223,477 1,223,477 — — — 
Multifamily real estate— — — — 860,700 860,700 — — — 
Construction, land and land development:
Commercial construction— — — — 159,222 159,222 — — — 
Multifamily construction— — — — 568,058 568,058 — — — 
One- to four-family construction— — 1,898 1,898 549,908 551,806 738 1,897 — 
Land and land development— 1,098 1,765 2,863 414,611 417,474 1,025 2,472 — 
Commercial business:
Commercial business— 180 2,464 2,644 1,315,839 1,318,483 1,460 3,130 — 
Small business scored2,295 733 2,314 5,342 1,147,189 1,152,531 621 3,517 — 
Agricultural business, including secured by farmland
— — 7,537 7,537 338,205 345,742 1,224 8,690 — 
One- to four-family residential403 4,795 15,685 20,883 1,589,250 1,610,133 8,502 15,480 2,896 
Consumer:
Consumer—home equity revolving lines of credit3,349 360 2,454 6,163 633,594 639,757 941 4,802 80 
Consumer—other255 170 — 425 92,315 92,740 — — — 
Total$6,302 $7,336 $34,126 $47,764 $11,642,609 $11,690,373 $14,520 $39,998 $2,976 

(1)     The Company did not recognize any interest income on non-accrual loans during the six months ended June 30, 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 

(1)     The Company did not recognize any interest income on non-accrual loans during the year ended December 31, 2024.
The following tables provide the activity in the allowance for credit losses by portfolio segment for the three and six months ended June 30, 2025 and 2024 (in thousands):
 For the Three Months Ended June 30, 2025
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses - loans:        
Beginning balance$40,076 $10,109 $32,042 $38,665 $5,641 $20,752 $10,038 $157,323 
Provision/(recapture) for credit losses907 (191)2,082 457 936 107 (97)4,201 
Recoveries53 — — 361 1 58 168 641 
Charge-offs— — — (892)(362)— (410)(1,664)
Ending balance$41,036 $9,918 $34,124 $38,591 $6,216 $20,917 $9,699 $160,501 
For the Six Months Ended June 30, 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 
Provision/(recapture) for credit losses96 (390)5,086 3,255 840 (123)(14)8,750 
Recoveries110 — — 918 11 246 287 1,572 
Charge-offs— — — (4,193)(362)(13)(774)(5,342)
Ending balance$41,036 $9,918 $34,124 $38,591 $6,216 $20,917 $9,699 $160,501 
 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