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Portfolio Loans | 6 Months Ended
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Jun. 30, 2021
Portfolio Loans |
Portfolio loans | Note 4: Portfolio Loans ​ Distributions of portfolio loans are as follows (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of
​ | ​ | June 30, | ​ | December 31,
​ |  | 2021 |  | 2020
Portfolio loans | ​ | ​ | ​ | ​ | ​ | ​
Commercial | ​ | $ | 2,054,550 | ​ | $ | 2,014,576
Commercial real estate | ​ | ​ | 2,920,312 | ​ | ​ | 2,892,535
Real estate construction | ​ | ​ | 500,599 | ​ | ​ | 461,786
Retail real estate | ​ | ​ | 1,525,810 | ​ | ​ | 1,407,852
Retail other | ​ | ​ | 184,379 | ​ | ​ | 37,428
Total portfolio loans | ​ | $ | 7,185,650 | ​ | $ | 6,814,177
​ | ​ | ​ | ​ | ​ | ​ | ​
ACL | ​ | ​ | (95,410) | ​ | ​ | (101,048)
​ | ​ | ​ | ​ | ​ | ​ | ​
Portfolio loans, net | ​ | $ | 7,090,240 | ​ | $ | 6,713,129
​ Net deferred loan origination (fees) costs included in the balances above were ($0.3) million as of June 30, 2021, compared to $2.4 million as of December 31, 2020. Net accretable purchase accounting adjustments included in the balances above reduced loans by $11.5 million as of June 30, 2021, and $10.9 million as of December 31, 2020. The June 30, 2021, commercial balance includes loans originated under PPP with an amortized cost of $390.4 million, compared to $446.4 million in loans originated under PPP included in the December 31, 2020, balance. ​ During the three and six months ended June 30, 2021, the Company purchased retail real estate loans totaling $32.2 million, compared to no retail real estate loan purchases during the three months ended June 30, 2020, and $43.9 million of retail real estate loan purchases in the six months ended June 30, 2020. ​ The Company utilizes a loan grading scale to assign a risk grade to all of its loans. A description of the general characteristics of each grade is as follows: ​
| ● | Pass – This category includes loans that are all considered acceptable credits, ranging from investment or near investment grade, to loans made to borrowers who exhibit credit fundamentals that meet or exceed industry standards.
​
| ● | Watch – This category includes loans that warrant a higher than average level of monitoring to ensure that weaknesses do not cause the inability of the credit to perform as expected. These loans are not necessarily a problem due to other inherent strengths of the credit, such as guarantor strength, but have above average concern and monitoring.
​
| ● | Special mention – This category is for “Other Assets Specially Mentioned” loans that have potential weaknesses, which may, if not checked or corrected, weaken the asset or inadequately protect the Company’s credit position at some future date.
​
| ● | Substandard – This category includes “Substandard” loans, determined in accordance with regulatory guidelines, for which the accrual of interest has not been stopped. Assets so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.
​
| ● | Substandard non-accrual – This category includes loans that have all the characteristics of a “Substandard” loan with additional factors that make collection in full highly questionable and improbable. Such loans are placed on non-accrual status and may be dependent on collateral with a value that is difficult to determine.
​ All loans are graded at their inception. Commercial lending relationships that are $1.0 million or less are usually processed through an expedited underwriting process. Most commercial loans greater than $1.0 million are included in a portfolio review at least annually. Commercial loans greater than $0.35 million that have a grading of special mention or worse are typically reviewed on a quarterly basis. Interim reviews may take place if circumstances of the borrower warrant a more frequent review. GSB’s policies are similar in nature to Busey Bank’s policies and the Company is migrating such loan production and grading toward the Busey Bank policies. ​ The following table is a summary of risk grades segregated by category of portfolio loans (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of June 30, 2021
​ |  | ​ |  | ​ |  | Special |  | ​ |  | Substandard
​ |  | Pass |  | Watch |  | Mention |  | Substandard |  | Non-accrual
Portfolio loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial | ​ | $ | 1,816,456 | ​ | $ | 131,361 | ​ | $ | 76,706 | ​ | $ | 19,349 | ​ | $ | 10,678
Commercial real estate | ​ |  | 2,446,143 | ​ |  | 379,546 | ​ |  | 67,179 | ​ |  | 18,679 | ​ |  | 8,765
Real estate construction | ​ |  | 482,718 | ​ |  | 15,473 | ​ |  | 8 | ​ |  | 2,400 | ​ |  | —
Retail real estate | ​ |  | 1,496,677 | ​ |  | 13,878 | ​ |  | 2,342 | ​ |  | 4,672 | ​ |  | 8,241
Retail other | ​ |  | 184,338 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 41
Total portfolio loans | ​ | $ | 6,426,332 | ​ | $ | 540,258 | ​ | $ | 146,235 | ​ | $ | 45,100 | ​ | $ | 27,725
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of December 31, 2020
​ |  | ​ |  | ​ |  | Special |  | ​ |  | Substandard
​ |  | Pass |  | Watch |  | Mention |  | Substandard |  | Non-accrual
Portfolio loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial | ​ | $ | 1,768,755 | ​ | $ | 136,948 | ​ | $ | 72,447 | ​ | $ | 27,903 | ​ | $ | 8,523
Commercial real estate | ​ |  | 2,393,372 | ​ |  | 383,277 | ​ |  | 75,486 | ​ |  | 34,897 | ​ |  | 5,503
Real estate construction | ​ |  | 434,681 | ​ |  | 24,481 | ​ |  | 77 | ​ |  | 2,546 | ​ |  | 1
Retail real estate | ​ |  | 1,382,616 | ​ |  | 10,264 | ​ |  | 2,471 | ​ |  | 3,702 | ​ |  | 8,799
Retail other | ​ |  | 37,324 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 104
Total portfolio loans | ​ | $ | 6,016,748 | ​ | $ | 554,970 | ​ | $ | 150,481 | ​ | $ | 69,048 | ​ | $ | 22,930
​ Risk grades of portfolio loans, further sorted by origination year, are as follows (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | As of June 30, 2021
​ |  | Term Loans Amortized Cost Basis by Origination Year | ​ | ​ | Revolving | ​ | ​ | ​
Risk Grade Ratings |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | ​ | Prior |  | ​ | loans |  | ​ | Total
Commercial |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 550,732 | ​ | $ | 363,044 | ​ | $ | 118,095 | ​ | $ | 94,495 | ​ | $ | 79,018 | ​ | $ | 129,150 | ​ | $ | 481,922 | ​ | $ | 1,816,456
Watch | ​ | ​ | 11,051 | ​ | ​ | 7,412 | ​ | ​ | 20,256 | ​ | ​ | 5,597 | ​ | ​ | 8,415 | ​ | ​ | 9,830 | ​ | ​ | 68,800 | ​ | ​ | 131,361
Special Mention | ​ | ​ | 2,739 | ​ | ​ | 2,650 | ​ | ​ | 2,864 | ​ | ​ | 4,845 | ​ | ​ | 6,920 | ​ | ​ | 18,111 | ​ | ​ | 38,577 | ​ | ​ | 76,706
Substandard | ​ | ​ | 3,794 | ​ | ​ | 4,588 | ​ | ​ | 3,504 | ​ | ​ | 1,807 | ​ | ​ | 1,338 | ​ | ​ | 80 | ​ | ​ | 4,238 | ​ | ​ | 19,349
Substandard non-accrual | ​ | ​ | 4,356 | ​ | ​ | 469 | ​ | ​ | 1,591 | ​ | ​ | — | ​ | ​ | 2,144 | ​ | ​ | 118 | ​ | ​ | 2,000 | ​ | ​ | 10,678
Total commercial | ​ | ​ | 572,672 | ​ | ​ | 378,163 | ​ | ​ | 146,310 | ​ | ​ | 106,744 | ​ | ​ | 97,835 | ​ | ​ | 157,289 | ​ | ​ | 595,537 | ​ | ​ | 2,054,550
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 420,841 | ​ | ​ | 691,476 | ​ | ​ | 441,952 | ​ | ​ | 313,315 | ​ | ​ | 269,126 | ​ | ​ | 291,896 | ​ | ​ | 17,537 | ​ | ​ | 2,446,143
Watch | ​ | ​ | 39,642 | ​ | ​ | 53,762 | ​ | ​ | 130,096 | ​ | ​ | 84,131 | ​ | ​ | 28,486 | ​ | ​ | 41,473 | ​ | ​ | 1,956 | ​ | ​ | 379,546
Special Mention | ​ | ​ | 22,415 | ​ | ​ | 7,389 | ​ | ​ | 6,780 | ​ | ​ | 9,907 | ​ | ​ | 10,285 | ​ | ​ | 9,794 | ​ | ​ | 609 | ​ | ​ | 67,179
Substandard | ​ | ​ | 2,134 | ​ | ​ | 9,898 | ​ | ​ | 2,465 | ​ | ​ | 2,397 | ​ | ​ | 25 | ​ | ​ | 1,760 | ​ | ​ | — | ​ | ​ | 18,679
Substandard non-accrual | ​ | ​ | 78 | ​ | ​ | 775 | ​ | ​ | 1,233 | ​ | ​ | 821 | ​ | ​ | 4,004 | ​ | ​ | 1,854 | ​ | ​ | — | ​ | ​ | 8,765
Total commercial real estate | ​ | ​ | 485,110 | ​ | ​ | 763,300 | ​ | ​ | 582,526 | ​ | ​ | 410,571 | ​ | ​ | 311,926 | ​ | ​ | 346,777 | ​ | ​ | 20,102 | ​ | ​ | 2,920,312
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Real estate construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 99,885 | ​ | ​ | 183,938 | ​ | ​ | 148,531 | ​ | ​ | 34,750 | ​ | ​ | 957 | ​ | ​ | 1,277 | ​ | ​ | 13,380 | ​ | ​ | 482,718
Watch | ​ | ​ | 2,330 | ​ | ​ | 10,174 | ​ | ​ | 886 | ​ | ​ | 283 | ​ | ​ | 1,659 | ​ | ​ | 141 | ​ | ​ | — | ​ | ​ | 15,473
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 8 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 8
Substandard | ​ | ​ | — | ​ | ​ | 2,400 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,400
Substandard non-accrual | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total real estate construction | ​ | ​ | 102,215 | ​ | ​ | 196,512 | ​ | ​ | 149,425 | ​ | ​ | 35,033 | ​ | ​ | 2,616 | ​ | ​ | 1,418 | ​ | ​ | 13,380 | ​ | ​ | 500,599
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Retail real estate |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 335,450 | ​ | ​ | 246,690 | ​ | ​ | 133,617 | ​ | ​ | 110,169 | ​ | ​ | 110,300 | ​ | ​ | 349,052 | ​ | ​ | 211,399 | ​ | ​ | 1,496,677
Watch | ​ | ​ | 2,925 | ​ | ​ | 2,415 | ​ | ​ | 2,002 | ​ | ​ | 1,515 | ​ | ​ | 305 | ​ | ​ | 388 | ​ | ​ | 4,328 | ​ | ​ | 13,878
Special Mention | ​ | ​ | 377 | ​ | ​ | 31 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,934 | ​ | ​ | — | ​ | ​ | 2,342
Substandard | ​ | ​ | 730 | ​ | ​ | 967 | ​ | ​ | 73 | ​ | ​ | 98 | ​ | ​ | 235 | ​ | ​ | 2,485 | ​ | ​ | 84 | ​ | ​ | 4,672
Substandard non-accrual | ​ | ​ | 339 | ​ | ​ | 161 | ​ | ​ | 74 | ​ | ​ | 536 | ​ | ​ | 1,200 | ​ | ​ | 4,673 | ​ | ​ | 1,258 | ​ | ​ | 8,241
Total retail real estate | ​ | ​ | 339,821 | ​ | ​ | 250,264 | ​ | ​ | 135,766 | ​ | ​ | 112,318 | ​ | ​ | 112,040 | ​ | ​ | 358,532 | ​ | ​ | 217,069 | ​ | ​ | 1,525,810
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Retail other |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 22,532 | ​ | ​ | 28,477 | ​ | ​ | 35,134 | ​ | ​ | 23,894 | ​ | ​ | 13,223 | ​ | ​ | 4,535 | ​ | ​ | 56,543 | ​ | ​ | 184,338
Watch | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard non-accrual | ​ | ​ | — | ​ | ​ | 13 | ​ | ​ | 7 | ​ | ​ | 5 | ​ | ​ | 14 | ​ | ​ | 2 | ​ | ​ | — | ​ | ​ | 41
Total retail other | ​ | ​ | 22,532 | ​ | ​ | 28,490 | ​ | ​ | 35,141 | ​ | ​ | 23,899 | ​ | ​ | 13,237 | ​ | ​ | 4,537 | ​ | ​ | 56,543 | ​ | ​ | 184,379
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total portfolio loans | ​ | $ | 1,522,350 | ​ | $ | 1,616,729 | ​ | $ | 1,049,168 | ​ | $ | 688,565 | ​ | $ | 537,654 | ​ | $ | 868,553 | ​ | $ | 902,631 | ​ | $ | 7,185,650
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | As of December 31, 2020
​ |  | Term Loans Amortized Cost Basis by Origination Year | ​ | ​ | Revolving | ​ | ​ | ​
Risk Grade Ratings |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | ​ | Prior |  | ​ | loans |  | ​ | Total
Commercial |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 812,536 | ​ | $ | 158,307 | ​ | $ | 107,565 | ​ | $ | 93,190 | ​ | $ | 61,847 | ​ | $ | 79,970 | ​ | $ | 455,340 | ​ | $ | 1,768,755
Watch | ​ | ​ | 16,544 | ​ | ​ | 22,247 | ​ | ​ | 14,954 | ​ | ​ | 13,724 | ​ | ​ | 2,577 | ​ | ​ | 10,943 | ​ | ​ | 55,959 | ​ | ​ | 136,948
Special Mention | ​ | ​ | 6,402 | ​ | ​ | 2,671 | ​ | ​ | 2,069 | ​ | ​ | 7,164 | ​ | ​ | 6,763 | ​ | ​ | 13,733 | ​ | ​ | 33,645 | ​ | ​ | 72,447
Substandard | ​ | ​ | 7,772 | ​ | ​ | 3,791 | ​ | ​ | 2,371 | ​ | ​ | 1,939 | ​ | ​ | 819 | ​ | ​ | 1,233 | ​ | ​ | 9,978 | ​ | ​ | 27,903
Substandard non-accrual | ​ | ​ | 150 | ​ | ​ | 3,045 | ​ | ​ | 451 | ​ | ​ | 2,168 | ​ | ​ | 641 | ​ | ​ | 68 | ​ | ​ | 2,000 | ​ | ​ | 8,523
Total commercial | ​ | ​ | 843,404 | ​ | ​ | 190,061 | ​ | ​ | 127,410 | ​ | ​ | 118,185 | ​ | ​ | 72,647 | ​ | ​ | 105,947 | ​ | ​ | 556,922 | ​ | ​ | 2,014,576
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 717,559 | ​ | ​ | 503,977 | ​ | ​ | 360,573 | ​ | ​ | 384,843 | ​ | ​ | 180,555 | ​ | ​ | 227,068 | ​ | ​ | 18,797 | ​ | ​ | 2,393,372
Watch | ​ | ​ | 88,297 | ​ | ​ | 110,526 | ​ | ​ | 90,412 | ​ | ​ | 33,734 | ​ | ​ | 32,887 | ​ | ​ | 27,023 | ​ | ​ | 398 | ​ | ​ | 383,277
Special Mention | ​ | ​ | 16,490 | ​ | ​ | 8,858 | ​ | ​ | 10,490 | ​ | ​ | 10,505 | ​ | ​ | 7,102 | ​ | ​ | 21,808 | ​ | ​ | 233 | ​ | ​ | 75,486
Substandard | ​ | ​ | 17,445 | ​ | ​ | 4,166 | ​ | ​ | 1,491 | ​ | ​ | 7,812 | ​ | ​ | 2,111 | ​ | ​ | 1,377 | ​ | ​ | 495 | ​ | ​ | 34,897
Substandard non-accrual | ​ | ​ | 1,091 | ​ | ​ | 776 | ​ | ​ | 821 | ​ | ​ | 882 | ​ | ​ | 286 | ​ | ​ | 1,647 | ​ | ​ | — | ​ | ​ | 5,503
Total commercial real estate | ​ | ​ | 840,882 | ​ | ​ | 628,303 | ​ | ​ | 463,787 | ​ | ​ | 437,776 | ​ | ​ | 222,941 | ​ | ​ | 278,923 | ​ | ​ | 19,923 | ​ | ​ | 2,892,535
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Real estate construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 179,232 | ​ | ​ | 171,663 | ​ | ​ | 64,025 | ​ | ​ | 1,468 | ​ | ​ | 761 | ​ | ​ | 1,444 | ​ | ​ | 16,088 | ​ | ​ | 434,681
Watch | ​ | ​ | 18,485 | ​ | ​ | 3,657 | ​ | ​ | 337 | ​ | ​ | 1,838 | ​ | ​ | 164 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | 24,481
Special Mention | ​ | ​ | 67 | ​ | ​ | 10 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 77
Substandard | ​ | ​ | 2,400 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 146 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,546
Substandard non-accrual | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1 | ​ | ​ | — | ​ | ​ | 1
Total real estate construction | ​ | ​ | 200,184 | ​ | ​ | 175,330 | ​ | ​ | 64,362 | ​ | ​ | 3,306 | ​ | ​ | 1,071 | ​ | ​ | 1,445 | ​ | ​ | 16,088 | ​ | ​ | 461,786
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Retail real estate |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 319,302 | ​ | ​ | 162,711 | ​ | ​ | 135,065 | ​ | ​ | 136,427 | ​ | ​ | 140,600 | ​ | ​ | 257,147 | ​ | ​ | 231,364 | ​ | ​ | 1,382,616
Watch | ​ | ​ | 2,715 | ​ | ​ | 2,053 | ​ | ​ | 1,396 | ​ | ​ | 349 | ​ | ​ | 579 | ​ | ​ | 233 | ​ | ​ | 2,939 | ​ | ​ | 10,264
Special Mention | ​ | ​ | 509 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,962 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,471
Substandard | ​ | ​ | 899 | ​ | ​ | 96 | ​ | ​ | 56 | ​ | ​ | 26 | ​ | ​ | 727 | ​ | ​ | 1,631 | ​ | ​ | 267 | ​ | ​ | 3,702
Substandard non-accrual | ​ | ​ | 687 | ​ | ​ | 78 | ​ | ​ | 646 | ​ | ​ | 1,147 | ​ | ​ | 233 | ​ | ​ | 4,815 | ​ | ​ | 1,193 | ​ | ​ | 8,799
Total retail real estate | ​ | ​ | 324,112 | ​ | ​ | 164,938 | ​ | ​ | 137,163 | ​ | ​ | 137,949 | ​ | ​ | 144,101 | ​ | ​ | 263,826 | ​ | ​ | 235,763 | ​ | ​ | 1,407,852
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Retail other |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 8,357 | ​ | ​ | 9,430 | ​ | ​ | 5,600 | ​ | ​ | 2,516 | ​ | ​ | 691 | ​ | ​ | 440 | ​ | ​ | 10,290 | ​ | ​ | 37,324
Watch | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard non-accrual | ​ | ​ | 14 | ​ | ​ | 7 | ​ | ​ | 5 | ​ | ​ | 15 | ​ | ​ | 5 | ​ | ​ | 57 | ​ | ​ | 1 | ​ | ​ | 104
Total retail other | ​ | ​ | 8,371 | ​ | ​ | 9,437 | ​ | ​ | 5,605 | ​ | ​ | 2,531 | ​ | ​ | 696 | ​ | ​ | 497 | ​ | ​ | 10,291 | ​ | ​ | 37,428
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total portfolio loans | ​ | $ | 2,216,953 | ​ | $ | 1,168,069 | ​ | $ | 798,327 | ​ | $ | 699,747 | ​ | $ | 441,456 | ​ | $ | 650,638 | ​ | $ | 838,987 | ​ | $ | 6,814,177
​ An analysis of the amortized cost basis of portfolio loans that are past due and still accruing, or on a non-accrual status, is as follows (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of June 30, 2021
​ | ​ | Loans past due, still accruing | ​ | Non-accrual
​ |  | 30-59 Days |  | 60-89 Days |  | 90+Days |  | Loans
Past due and non-accrual loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial | ​ | $ | 241 | ​ | $ | — | ​ | $ | 2 | ​ | $ | 10,678
Commercial real estate | ​ | ​ | 330 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 8,765
Real estate construction | ​ |  | — | ​ |  | 426 | ​ |  | — | ​ |  | —
Retail real estate | ​ | ​ | 2,014 | ​ | ​ | 814 | ​ | ​ | 587 | ​ | ​ | 8,241
Retail other | ​ |  | 54 | ​ |  | 9 | ​ |  | 1 | ​ |  | 41
Total past due and non-accrual loans | ​ | $ | 2,639 | ​ | $ | 1,249 | ​ | $ | 590 | ​ | $ | 27,725
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of December 31, 2020
​ | ​ | Loans past due, still accruing | ​ | Non-accrual
​ |  | 30-59 Days |  | 60-89 Days |  | 90+Days |  | Loans
Past due and non-accrual loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial | ​ | $ | 243 | ​ | $ | — | ​ | $ | — | ​ | $ | 8,523
Commercial real estate | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 5,503
Real estate construction | ​ |  | 237 | ​ |  | 235 | ​ |  | — | ​ |  | 1
Retail real estate | ​ |  | 6,248 | ​ | ​ | 400 | ​ | ​ | 1,305 | ​ | ​ | 8,799
Retail other | ​ |  | 66 | ​ |  | 149 | ​ |  | 66 | ​ |  | 104
Total past due and non-accrual loans | ​ | $ | 6,794 | ​ | $ | 784 | ​ | $ | 1,371 | ​ | $ | 22,930
​ Gross interest income recorded on 90+ day past due loans and that would have been recorded on non-accrual loans if they had been accruing interest in accordance with their original terms was $0.4 million for the three months ended June 30, 2021 and 2020. Gross interest income recorded on 90+ day past due loans and that would have been recorded on non-accrual loans if they had been accruing interest in accordance with their original terms was $0.9 million for the six months ended June 30, 2021 and 2020. The amount of interest collected on those loans and recognized on a cash basis that was included in interest income was insignificant for the three and six months ended June 30, 2021 and 2020. ​ A summary of TDR loans is as follows (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of
​ | ​ | June 30, | ​ | December 31,
​ |  | 2021 |  | 2020
Performing TDR loans: | ​ | ​ | ​ | ​ | ​ | ​
In compliance with modified terms | ​ | $ | 2,518 | ​ | $ | 3,814
30 – 89 days past due | ​ | ​ | — | ​ | ​ | 15
Non-performing TDR loans | ​ | ​ | 1,314 | ​ | ​ | 1,249
Total TDR loans | ​ | $ | 3,832 | ​ | $ | 5,078
​ We did not newly classify any loans as performing TDRs during the three or six months ended June 30, 2021. Loans newly classified as performing TDRs during the three and six months ended June 30, 2020, included one retail real estate loan for $0.2 million for payment modification. ​ During the six months ended June 30, 2021, one commercial loan for $0.5 million was newly classified as a non-performing TDR for payment and rate modifications. This loan had been non-accrual since the second quarter of 2020. Also, during the six months ended June 30, 2021, one retail real estate loan for $0.1 million that had been a performing TDR for longer than 12 months, with a rate modification, became non-performing. During the six months ended June 30, 2020, three commercial loans for $0.5 million and one commercial real estate loan for $0.7 million were newly classified as non-performing TDRs for payment and rate modifications. These loans had been non-accrual since 2019. ​ There were no TDRs that were entered into during the last 12 months that were subsequently classified as non-performing and had payment defaults (a default occurs when a loan is 90 days or more past due or transferred to non-accrual) during the three and six months ended June 30, 2021 or 2020. ​ Gross interest income that would have been recorded in the three and six months ended June 30, 2021 and 2020 if TDRs had performed in accordance with their original terms compared with their modified terms was insignificant. ​ Modified loans with payment deferrals that fall under the CARES Act or revised Interagency Statement that suspended requirements under GAAP related to TDR classification are not included in the Company’s TDR totals. ​ As of June 30, 2021, the Company had $0.2 million of residential real estate in the process of foreclosure. The Company follows FHFA guidelines on single-family foreclosures and real estate owned evictions on portfolio loans, as well as all COVID-19 related state foreclosure and eviction orders. The existing moratoriums on single-family foreclosures expired on July 31, 2021; however, moratoriums on single-family real estate owned evictions have been extended until September 30, 2021. ​ The following tables provide details of loans evaluated individually, segregated by category. The Company evaluates loans with disparate risk characteristics on an individual basis. The unpaid contractual principal balance represents the customer outstanding balance excluding any partial charge-offs. Amortized cost represents customer balances net of any partial charge-offs recognized on the loan. Average amortized cost is calculated using the most recent four quarters (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of June 30, 2021
​ |  | Unpaid |  | Amortized |  |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ |  | ​
​ | ​ | Contractual | ​ | Cost | ​ | Amortized | ​ | Total | ​ | ​ | ​ | ​ | Average
​ | ​ | Principal | ​ | with No | ​ | Cost | ​ | Amortized | ​ | Related | ​ | Amortized
​ |  | Balance |  | Allowance |  | with Allowance |  | Cost |  | Allowance |  | Cost
Loans evaluated on an individual basis | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial | ​ | $ | 14,624 | ​ | $ | 2,237 | ​ | $ | 8,348 | ​ | $ | 10,585 | ​ | $ | 4,470 | ​ | $ | 8,156
Commercial real estate | ​ |  | 9,647 | ​ | ​ | 8,360 | ​ | ​ | — | ​ |  | 8,360 | ​ |  | — | ​ |  | 7,683
Real estate construction | ​ |  | 283 | ​ |  | 283 | ​ |  | — | ​ |  | 283 | ​ |  | — | ​ |  | 395
Retail real estate | ​ |  | 4,295 | ​ |  | 3,911 | ​ |  | 25 | ​ |  | 3,936 | ​ |  | 25 | ​ |  | 4,933
Retail other | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Total loans evaluated individually | ​ | $ | 28,849 | ​ | $ | 14,791 | ​ | $ | 8,373 | ​ | $ | 23,164 | ​ | $ | 4,495 | ​ | $ | 21,167
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of December 31, 2020
​ |  | Unpaid |  | Amortized |  |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ |  | ​
​ | ​ | Contractual | ​ | Cost | ​ | Amortized | ​ | Total | ​ | ​ | ​ | ​ | Average
​ | ​ | Principal | ​ | with No | ​ | Cost | ​ | Amortized | ​ | Related | ​ | Amortized
​ |  | Balance |  | Allowance |  | with Allowance |  | Cost |  | Allowance |  | Cost
Loans evaluated on an individual basis | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial | ​ | $ | 16,771 | ​ | $ | 4,001 | ​ | $ | 4,371 | ​ | $ | 8,372 | ​ | $ | 1,600 | ​ | $ | 7,920
Commercial real estate | ​ |  | 7,406 | ​ | ​ | 6,067 | ​ | ​ | — | ​ |  | 6,067 | ​ |  | — | ​ |  | 9,349
Real estate construction | ​ |  | 292 | ​ |  | 292 | ​ |  | — | ​ |  | 292 | ​ |  | — | ​ |  | 581
Retail real estate | ​ |  | 5,873 | ​ |  | 5,490 | ​ |  | 25 | ​ |  | 5,515 | ​ |  | 25 | ​ |  | 7,439
Retail other | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 10
Total loans evaluated individually | ​ | $ | 30,342 | ​ | $ | 15,850 | ​ | $ | 4,396 | ​ | $ | 20,246 | ​ | $ | 1,625 | ​ | $ | 25,299
​ Management's evaluation as to the ultimate collectability of loans includes estimates regarding future cash flows from operations and the value of property, real and personal, pledged as collateral. These estimates are affected by changing economic conditions and the economic prospects of borrowers. Collateral dependent loans are loans in which repayment is expected to be provided solely by the underlying collateral and there are no other available and reliable sources of repayment. Loans are written down to the lower of cost or fair value of underlying collateral, less estimated costs to sell. As of June 30, 2021, there were $17.2 million of collateral dependent loans secured by real estate or business assets. ​ Management estimates the ACL balance using relevant available information from internal and external sources relating to past events, current conditions, and reasonable and supportable forecasts. Historical credit loss experience provides the basis for the estimation of expected credit losses. The cumulative loss rate used as the basis for the estimate of credit losses is comprised of the Company’s historical loss experience beginning in 2010. As of June 30, 2021, the Company expects the markets in which it operates to experience continued economic uncertainty around the levels of delinquencies over the next 12 months. Management adjusted the historical loss experience for these expectations with an immediate reversion to historical loss rate beyond this forecast period. PPP loans were excluded from the ACL calculation as they are 100% government guaranteed. ​ The following tables detail activity in the ACL. Allocation of a portion of the ACL to one category does not preclude its availability to absorb losses in other categories (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of and for the Three Months Ended June 30, 2021
​ | ​ | ​ | ​ |  | Commercial |  | Real Estate |  | Retail Real | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Commercial |  | Real Estate |  | Construction |  | Estate |  | Retail Other |  | Total
ACL beginning balance | ​ | $ | 23,025 | ​ | $ | 43,306 | ​ | $ | 6,879 | ​ | $ | 19,978 | ​ | $ | 755 | ​ | $ | 93,943
Day 1 PCD | ​ | ​ | 3,546 | ​ | ​ | 336 | ​ | ​ | — | ​ | ​ | 129 | ​ | ​ | 167 | ​ | ​ | 4,178
Provision for credit losses | ​ |  | (1,420) | ​ |  | (3,390) | ​ |  | 671 | ​ |  | 404 | ​ |  | 2,035 | ​ |  | (1,700)
Charged-off | ​ |  | (1,000) | ​ |  | (317) | ​ |  | — | ​ | ​ | (157) | ​ |  | (64) | ​ |  | (1,538)
Recoveries | ​ |  | 205 | ​ |  | 39 | ​ |  | 49 | ​ |  | 151 | ​ |  | 83 | ​ |  | 527
ACL ending balance | ​ | $ | 24,356 | ​ | $ | 39,974 | ​ | $ | 7,599 | ​ | $ | 20,505 | ​ | $ | 2,976 | ​ | $ | 95,410
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of and for the Six Months Ended June 30, 2021
​ | ​ | ​ | ​ |  | Commercial |  | Real Estate |  | Retail | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Commercial |  | Real Estate |  | Construction |  | Real Estate |  | Retail Other |  | Total
ACL beginning balance | ​ | $ | 23,866 | ​ | $ | 46,230 | ​ | $ | 8,193 | ​ | $ | 21,992 | ​ | $ | 767 | ​ | $ | 101,048
Day 1 PCD | ​ | ​ | 3,546 | ​ | ​ | 336 | ​ | ​ | — | ​ | ​ | 129 | ​ | ​ | 167 | ​ | ​ | 4,178
Provision for credit losses | ​ |  | (2,084) | ​ |  | (6,085) | ​ |  | (579) | ​ |  | (1,873) | ​ |  | 2,125 | ​ |  | (8,496)
Charged-off | ​ |  | (1,262) | ​ |  | (620) | ​ |  | (209) | ​ | ​ | (160) | ​ |  | (251) | ​ |  | (2,502)
Recoveries | ​ |  | 290 | ​ |  | 113 | ​ |  | 194 | ​ |  | 417 | ​ |  | 168 | ​ |  | 1,182
ACL ending balance | ​ | $ | 24,356 | ​ | $ | 39,974 | ​ | $ | 7,599 | ​ | $ | 20,505 | ​ | $ | 2,976 | ​ | $ | 95,410
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of and for the Three Months Ended June 30, 2020
​ | ​ | ​ | ​ |  | Commercial |  | Real Estate |  | Retail Real | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Commercial |  | Real Estate |  | Construction |  | Estate |  | Retail Other |  | Total
ACL beginning balance | ​ | $ | 22,725 | ​ | $ | 35,967 | ​ | $ | 7,193 | ​ | $ | 17,454 | ​ | $ | 1,045 | ​ | $ | 84,384
Provision for credit losses | ​ |  | 2,473 | ​ |  | 6,861 | ​ |  | 574 | ​ |  | 2,981 | ​ | ​ | 2 | ​ |  | 12,891
Charged-off | ​ |  | (1,140) | ​ |  | (165) | ​ |  | — | ​ | ​ | (292) | ​ | ​ | (105) | ​ |  | (1,702)
Recoveries | ​ |  | 88 | ​ |  | 17 | ​ |  | 25 | ​ |  | 262 | ​ | ​ | 81 | ​ |  | 473
ACL ending balance | ​ | $ | 24,146 | ​ | $ | 42,680 | ​ | $ | 7,792 | ​ | $ | 20,405 | ​ | $ | 1,023 | ​ | $ | 96,046
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of and for the Six Months Ended June 30, 2020
​ | ​ | ​ | ​ |  | Commercial |  | Real Estate |  | Retail Real | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Commercial |  | Real Estate |  | Construction |  | Estate |  | Retail Other |  | Total
Beginning balance, prior to adoption of ASC 326-30 | ​ | $ | 18,291 | ​ | $ | 21,190 | ​ | $ | 3,204 | ​ | $ | 10,495 | ​ | $ | 568 | ​ | $ | 53,748
Adoption of ASC 326-30 | ​ | ​ | 715 | ​ | ​ | 9,306 | ​ | ​ | 2,954 | ​ | ​ | 3,292 | ​ | ​ | 566 | ​ | ​ | 16,833
Provision for credit losses | ​ |  | 8,146 | ​ |  | 13,387 | ​ |  | 1,463 | ​ |  | 7,018 | ​ |  | 93 | ​ |  | 30,107
Charged-off | ​ |  | (3,182) | ​ |  | (1,264) | ​ |  | — | ​ | ​ | (1,000) | ​ |  | (404) | ​ |  | (5,850)
Recoveries | ​ |  | 176 | ​ |  | 61 | ​ |  | 171 | ​ |  | 600 | ​ |  | 200 | ​ |  | 1,208
ACL ending balance | ​ | $ | 24,146 | ​ | $ | 42,680 | ​ | $ | 7,792 | ​ | $ | 20,405 | ​ | $ | 1,023 | ​ | $ | 96,046
​ The following table presents the ACL and amortized cost of portfolio loans by category (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of June 30, 2021
​ | ​ | ​ | ​ |  | Commercial |  | Real Estate |  | Retail Real | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Commercial |  | Real Estate |  | Construction |  | Estate |  | Retail Other |  | Total
ACL | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Ending balance attributed to: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | 4,470 | ​ | $ | — | ​ | $ | — | ​ | $ | 25 | ​ | $ | — | ​ | $ | 4,495
Loans collectively evaluated for impairment | ​ |  | 19,886 | ​ |  | 39,974 | ​ |  | 7,599 | ​ |  | 20,480 | ​ |  | 2,976 | ​ |  | 90,915
ACL ending balance | ​ | $ | 24,356 | ​ | $ | 39,974 | ​ | $ | 7,599 | ​ | $ | 20,505 | ​ | $ | 2,976 | ​ | $ | 95,410
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | 10,585 | ​ | $ | 8,360 | ​ | $ | 283 | ​ | $ | 3,936 | ​ | $ | — | ​ | $ | 23,164
Loans collectively evaluated for impairment | ​ |  | 2,043,965 | ​ |  | 2,911,952 | ​ | ​ | 500,316 | ​ |  | 1,521,874 | ​ |  | 184,379 | ​ |  | 7,162,486
Loans ending balance | ​ | $ | 2,054,550 | ​ | $ | 2,920,312 | ​ | $ | 500,599 | ​ | $ | 1,525,810 | ​ | $ | 184,379 | ​ | $ | 7,185,650
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of December 31, 2020
​ | ​ | ​ | ​ |  | Commercial |  | Real Estate |  | Retail Real | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Commercial |  | Real Estate |  | Construction |  | Estate |  | Retail Other |  | Total
ACL | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Ending balance attributed to: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | 1,600 | ​ | $ | — | ​ | $ | — | ​ | $ | 25 | ​ | $ | — | ​ | $ | 1,625
Loans collectively evaluated for impairment | ​ |  | 22,266 | ​ |  | 46,230 | ​ |  | 8,193 | ​ |  | 21,967 | ​ |  | 767 | ​ |  | 99,423
ACL ending balance | ​ | $ | 23,866 | ​ | $ | 46,230 | ​ | $ | 8,193 | ​ | $ | 21,992 | ​ | $ | 767 | ​ | $ | 101,048
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | 8,372 | ​ | $ | 6,067 | ​ | $ | 292 | ​ | $ | 5,515 | ​ | $ | — | ​ | $ | 20,246
Loans collectively evaluated for impairment | ​ |  | 2,006,204 | ​ |  | 2,886,468 | ​ | ​ | 461,494 | ​ |  | 1,402,337 | ​ |  | 37,428 | ​ |  | 6,793,931
Loans ending balance | ​ | $ | 2,014,576 | ​ | $ | 2,892,535 | ​ | $ | 461,786 | ​ | $ | 1,407,852 | ​ | $ | 37,428 | ​ | $ | 6,814,177
​

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