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LOANS RECEIVABLE AND THE ALLOWANCE FOR CREDIT LOSSES
 9 Months Ended
Sep. 30, 2025
Receivables [Abstract]  
LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES
The following table presents the loans receivable at September 30, 2025 and December 31, 2024 by class (dollars in thousands).
 September 30, 2025December 31, 2024
 AmountPercent of TotalAmountPercent of Total
Commercial real estate:    
Owner-occupied$1,134,559 10 %$1,027,426 9 %
Investment properties1,652,141 14 1,623,672 14 
Small balance CRE1,210,357 10 1,213,792 11 
Multifamily real estate860,650 7 894,425 8 
Construction, land and land development:
Commercial construction144,125 1 122,362 1 
Multifamily construction586,104 5 513,706 5 
One- to four-family construction578,128 5 514,220 5 
Land and land development427,348 4 369,663 3 
Commercial business:
Commercial business
1,254,460 11 1,318,333 11 
Small business scored1,176,889 10 1,104,117 10 
Agricultural business, including secured by farmland354,884 3 340,280 3 
One- to four-family residential1,582,605 14 1,591,260 14 
Consumer:
Consumer—home equity revolving lines of credit
649,188 5 625,680 5 
Consumer—other91,100 1 95,720 1 
Total loans11,702,538 100 %11,354,656 100 %
Less allowance for credit losses – loans(159,707) (155,521) 
Net loans$11,542,831  $11,199,135  

Loan amounts are net of unearned loan fees in excess of unamortized costs of $16.5 million as of September 30, 2025, and $15.5 million as of December 31, 2024. Net loans include net discounts on acquired loans of $2.7 million and $3.5 million as of September 30, 2025 and December 31, 2024, respectively. Net loans does not include accrued interest receivable. Accrued interest receivable on loans was $53.3 million as of September 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 $8.2 billion and $7.9 billion of loans as collateral for FHLB and other borrowings at September 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 September 30, 2025 and December 31, 2024 (in thousands). In addition, the tables include the gross charge-offs for the nine months ended September 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.
September 30, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Commercial real estate - owner occupied
Risk Rating
Pass$175,847 $210,364 $168,160 $103,893 $143,393 $253,542 $46,888 $1,102,087 
Special Mention— 558 — 9,668 — — — 10,226 
Substandard— — 289 8,610 9 13,338 — 22,246 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - owner occupied$175,847 $210,922 $168,449 $122,171 $143,402 $266,880 $46,888 $1,134,559 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate - investment properties
Risk Rating
Pass$197,071 $107,921 $127,914 $215,776 $257,707 $682,430 $59,314 $1,648,133 
Special Mention— — — — — — — — 
Substandard— — — — — 4,008 — 4,008 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - investment properties$197,071 $107,921 $127,914 $215,776 $257,707 $686,438 $59,314 $1,652,141 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily real estate
Risk Rating
Pass$41,078 $86,067 $89,665 $234,399 $171,114 $232,881 $3,383 $858,587 
Special Mention— — — — — — — — 
Substandard— — — — — 2,063 — 2,063 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily real estate$41,078 $86,067 $89,665 $234,399 $171,114 $234,944 $3,383 $860,650 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
September 30, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Commercial construction
Risk Rating
Pass$47,102 $33,870 $41,288 $21,121 $— $— $— $143,381 
Special Mention— — — — — — — — 
Substandard— — — — 744 — — 744 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial construction$47,102 $33,870 $41,288 $21,121 $744 $— $— $144,125 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily construction
Risk Rating
Pass$155,853 $168,371 $170,940 $67,280 $— $— $8,366 $570,810 
Special Mention— — — — — — — — 
Substandard15,294 — — — — — — 15,294 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily construction$171,147 $168,371 $170,940 $67,280 $— $— $8,366 $586,104 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
One- to four- family construction
Risk Rating
Pass$390,286 $161,546 $3,936 $— $— $— $18,931 $574,699 
Special Mention— — — — — — — — 
Substandard2,691 — 738 — — — — 3,429 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total One- to four- family construction$392,977 $161,546 $4,674 $— $— $— $18,931 $578,128 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
September 30, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Land and land development
Risk Rating
Pass$182,319 $131,121 $40,746 $25,779 $19,557 $19,604 $4,082 $423,208 
Special Mention— — — — — — — — 
Substandard638 468 1,338 1,103 99 494 — 4,140 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Land and land development$182,957 $131,589 $42,084 $26,882 $19,656 $20,098 $4,082 $427,348 
Current period gross charge-offs$218 $— $— $— $— $— $— $218 
Commercial business
Risk Rating
Pass$166,909 $119,256 $94,326 $144,140 $73,500 $272,465 $331,444 $1,202,040 
Special Mention— — 1,482 65 13 215 20,776 22,551 
Substandard1,042 2,197 3,225 1,319 708 3,613 17,765 29,869 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial business$167,951 $121,453 $99,033 $145,524 $74,221 $276,293 $369,985 $1,254,460 
Current period gross charge-offs$— $1,694 $908 $— $18 $165 $417 $3,202 
Agricultural business, including secured by farmland
Risk Rating
Pass$14,266 $14,796 $35,747 $20,543 $22,862 $64,608 $139,172 $311,994 
Special Mention— — — 670 — — 389 1,059 
Substandard6,569 1,229 4,540 8,427 1,239 11,625 8,202 41,831 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Agricultural business, including secured by farmland$20,835 $16,025 $40,287 $29,640 $24,101 $76,233 $147,763 $354,884 
Current period gross charge-offs$— $— $730 $361 $— $1,325 $— $2,416 
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 September 30, 2025 and December 31, 2024 (in thousands). In addition, the tables include the gross charge-offs for the nine months ended September 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.
September 30, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Small balance CRE
Past Due Category
Current$78,673 $71,379 $83,986 $201,274 $204,521 $569,611 $— $1,209,444 
30-59 Days Past Due— — — — — 119 — 119 
60-89 Days Past Due— — 67 — 453 — — 520 
90 Days + Past Due— — — — — 274 — 274 
Total Small balance CRE$78,673 $71,379 $84,053 $201,274 $204,974 $570,004 $— $1,210,357 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Small business scored
Past Due Category
Current$177,772 $193,616 $154,402 $210,999 $130,702 $162,228 $140,830 $1,170,549 
30-59 Days Past Due9 305 351 1,394 10 219 146 2,434 
60-89 Days Past Due— 50 49 1,211 2 — 31 1,343 
90 Days + Past Due483 216 1,006 136 231 491 — 2,563 
Total Small business scored$178,264 $194,187 $155,808 $213,740 $130,945 $162,938 $141,007 $1,176,889 
Current period gross charge-offs$53 $108 $620 $526 $142 $60 $— $1,509 
One- to four- family residential
Past Due Category
Current$85,726 $203,381 $289,222 $511,006 $230,250 $242,897 $— $1,562,482 
30-59 Days Past Due— — — — — 370 — 370 
60-89 Days Past Due— 1,623 1,094 775 188 1,137 — 4,817 
90 Days + Past Due— 2,509 1,876 4,281 4,199 2,071 — 14,936 
Total One- to four- family residential$85,726 $207,513 $292,192 $516,062 $234,637 $246,475 $— $1,582,605 
Current period gross charge-offs$— $— $— $— $— $13 $— $13 
September 30, 2025
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20252024202320222021Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$3,980 $1,143 $1,477 $6,251 $3,158 $8,662 $617,687 $642,358 
30-59 Days Past Due— — 320 385 413 563 2,091 3,772 
60-89 Days Past Due— 100 392 99 70 307 — 968 
90 Days + Past Due— — 716 513 — 861 — 2,090 
Total Consumer—home equity revolving lines of credit$3,980 $1,243 $2,905 $7,248 $3,641 $10,393 $619,778 $649,188 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Consumer-other
Past Due Category
Current$8,830 $6,821 $4,457 $21,576 $6,702 $20,160 $22,105 $90,651 
30-59 Days Past Due— — 8 75 — 34 211 328 
60-89 Days Past Due— — — — 4 34 78 116 
90 Days + Past Due— — — 5 — — — 5 
Total Consumer-other$8,830 $6,821 $4,465 $21,656 $6,706 $20,228 $22,394 $91,100 
Current period gross charge-offs$10 $18 $56 $77 $46 $152 $853 $1,212 
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 September 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.
 September 30, 2025
Real EstateEquipmentInventoryTotal
Commercial real estate:  
Small balance CRE$453 $— $— $453 
One- to four-family construction738 — — 738 
Land and land development1,334 — — 1,334 
Commercial business
Commercial business— — 1,460 1,460 
Small business scored235 — — 235 
Agricultural business, including secured by farmland
4,218 1,491 — 5,709 
One- to four-family residential9,549 — — 9,549 
Consumer:
Consumer—home equity revolving lines of credit 895 — — 895 
Total$17,422 $1,491 $1,460 $20,373 

 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 $24,948 
The following tables provide additional detail on the age analysis of the Company’s past due loans as of September 30, 2025 and December 31, 2024 (in thousands):
 September 30, 2025
 30-59 Days
Past Due		60-89 Days
Past Due		90 Days or More
Past Due		Total
Past Due		CurrentTotal LoansNon-accrual with no Allowance
Total Non-accrual (1)
Loans 90 Days or More Past Due and Accruing
Commercial real estate:       
Owner-occupied$— $— $9 $9 $1,134,550 $1,134,559 $9 $9 $— 
Investment properties— — — — 1,652,141 1,652,141 — — — 
Small balance CRE119 520 274 913 1,209,444 1,210,357 451 451 274 
Multifamily real estate— — — — 860,650 860,650 — — — 
Construction, land and land development:
Commercial construction— — — — 144,125 144,125 — — — 
Multifamily construction— — — — 586,104 586,104 — — — 
One- to four-family construction— — 737 737 577,391 578,128 738 738 — 
Land and land development— 146 2,749 2,895 424,453 427,348 753 3,502 — 
Commercial business:
Commercial business1,808 — 2,553 4,361 1,250,099 1,254,460 2 3,196 — 
Small business scored2,434 1,343 2,563 6,340 1,170,549 1,176,889 233 3,628 166 
Agricultural business, including secured by farmland
169 1,155 1,548 2,872 352,012 354,884 2,644 5,765 — 
One- to four-family residential370 4,817 14,936 20,123 1,562,482 1,582,605 9,053 16,576 834 
Consumer:
Consumer—home equity revolving lines of credit3,772 968 2,090 6,830 642,358 649,188 895 4,872 — 
Consumer—other328 116 5 449 90,651 91,100 — 5 — 
Total$9,000 $9,065 $27,464 $45,529 $11,657,009 $11,702,538 $14,778 $38,742 $1,274 

(1)     The Company did not recognize any interest income on non-accrual loans during the nine months ended September 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 nine months ended September 30, 2025 and 2024 (in thousands):
 For the Three Months Ended September 30, 2025
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses - loans:        
Beginning balance$41,036 $9,918 $34,124 $38,591 $6,216 $20,917 $9,699 $160,501 
Provision/(recapture) for credit losses119 (17)513 (526)1,007 (445)733 1,384 
Recoveries36 — 725 99 99 13 78 1,050 
Charge-offs— — (218)(518)(2,054)— (438)(3,228)
Ending balance$41,191 $9,901 $35,144 $37,646 $5,268 $20,485 $10,072 $159,707 
For the Nine Months Ended September 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 losses215 (407)5,599 2,729 1,847 (568)719 10,134 
Recoveries146 — 725 1,017 110 259 365 2,622 
Charge-offs— — (218)(4,711)(2,416)(13)(1,212)(8,570)
Ending balance$41,191 $9,901 $35,144 $37,646 $5,268 $20,485 $10,072 $159,707 
 For the Three Months Ended September 30, 2024
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
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 losses911 1,980 (3,130)745 1,294 (457)624 1,967 
Recoveries65 — — 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 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(5,549)907 372 4,957 1,173 1,145 2,339 5,344 
Recoveries1,552 — — 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