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PORTFOLIO LOANS - Schedule of activity on the allowance for loan losses (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020
Activity in the allowance for loan losses |  |  |
ACL beginning balance | $ 87,887 | $ 101,048 | $ 53,748
Provision for credit losses | 4,623 | (15,101) | 38,797
Charged-off | (3,179) | (4,783) | (11,088)
Recoveries | 2,277 | 2,545 | 2,758
ACL ending balance | 91,608 | 87,887 | 101,048
Adoption of ASC 326-30 |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance |  | 16,833 |
ACL ending balance |  |  | 16,833
Financial Asset Acquired with Credit Deterioration |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 4,178 |  |
ACL ending balance |  | 4,178 |
Commercial |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 23,855 | 23,866 | 18,291
Provision for credit losses | 497 | (2,160) | 10,832
Charged-off | (1,069) | (2,026) | (6,376)
Recoveries | 577 | 629 | 404
ACL ending balance | 23,860 | 23,855 | 23,866
Commercial | Adoption of ASC 326-30 |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance |  | 715 |
ACL ending balance |  |  | 715
Commercial | Financial Asset Acquired with Credit Deterioration |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 3,546 |  |
ACL ending balance |  | 3,546 |
Commercial real estate |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 38,249 | 46,230 | 21,190
Provision for credit losses | 892 | (7,651) | 17,511
Charged-off | (1,375) | (925) | (1,972)
Recoveries | 533 | 259 | 195
ACL ending balance | 38,299 | 38,249 | 46,230
Commercial real estate | Adoption of ASC 326-30 |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance |  | 9,306 |
ACL ending balance |  |  | 9,306
Commercial real estate | Financial Asset Acquired with Credit Deterioration |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 336 |  |
ACL ending balance |  | 336 |
Real estate construction |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 5,102 | 8,193 | 3,204
Provision for credit losses | 1,142 | (3,180) | 1,452
Charged-off | (23) | (209) | (18)
Recoveries | 236 | 298 | 601
ACL ending balance | 6,457 | 5,102 | 8,193
Real estate construction | Adoption of ASC 326-30 |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance |  | 2,954 |
ACL ending balance |  |  | 2,954
Real estate construction | Financial Asset Acquired with Credit Deterioration |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 0 |  |
ACL ending balance |  | 0 |
Retail real estate |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 17,589 | 21,992 | 10,495
Provision for credit losses | 219 | (4,456) | 9,050
Charged-off | (251) | (1,145) | (2,057)
Recoveries | 636 | 1,069 | 1,212
ACL ending balance | 18,193 | 17,589 | 21,992
Retail real estate | Adoption of ASC 326-30 |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance |  | 3,292 |
ACL ending balance |  |  | 3,292
Retail real estate | Financial Asset Acquired with Credit Deterioration |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 129 |  |
ACL ending balance |  | 129 |
Retail other |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 3,092 | 767 | 568
Provision for credit losses | 1,873 | 2,346 | (48)
Charged-off | (461) | (478) | (665)
Recoveries | 295 | 290 | 346
ACL ending balance | 4,799 | 3,092 | 767
Retail other | Adoption of ASC 326-30 |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance |  | 566 |
ACL ending balance |  |  | $ 566
Retail other | Financial Asset Acquired with Credit Deterioration |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | $ 167 |  |
ACL ending balance |  | $ 167 |

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