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Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2024

Allowance For Loan And Lease Losses [Abstract]

Summary of Activity in Allowance for Loan Losses, and Ending Balance of Loans, Net of Unearned Fees for Periods Indicated

For the periods indicated, the following tables summarize the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the balance sheet within other liabilities:

			Allowance for credit losses – Three months ended June 30, 2024
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	36,687											$	—					$	—					$	468					$	37,155
CRE owner occupied			16,111												—						1						(239)						15,873
Multifamily			15,682												—						—						291						15,973
Farmland			3,695												—						—						336						4,031
Total commercial real estate loans			72,175												—						1						856						73,032
Consumer:
SFR 1-4 1st DT liens			14,140												—						—						464						14,604
SFR HELOCs and junior liens			9,942												(9)						51						103						10,087
Other			3,359												(118)						81						(339)						2,983
Total consumer loans			27,441												(127)						132						228						27,674
Commercial and industrial			11,867												(870)						261						870						12,128
Construction			9,162												—						—						(1,696)						7,466
Agriculture production			3,708												(613)						4						81						3,180
Leases			41												—						—						(4)						37
Allowance for credit losses on loans			124,394												(1,610)						398						335						123,517
Reserve for unfunded commitments			6,140												—						—						70						6,210
Total			$	130,534											$	(1,610)					$	398					$	405					$	129,727

			Allowance for credit losses – Six months ended June 30, 2024
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	35,077											$	—					$	—					$	2,078					$	37,155
CRE owner occupied			15,081												—						1						791						15,873
Multifamily			14,418												—						—						1,555						15,973
Farmland			4,288												—						—						(257)						4,031
Total commercial real estate loans			68,864												—						1						4,167						73,032
Consumer:
SFR 1-4 1st DT liens			14,009												(26)						—						621						14,604
SFR HELOCs and junior liens			10,273												(41)						100						(245)						10,087
Other			3,171												(368)						121						59						2,983
Total consumer loans			27,453												(435)						221						435						27,674
Commercial and industrial			12,750												(1,000)						283						95						12,128
Construction			8,856												—						—						(1,390)						7,466
Agriculture production			3,589												(1,450)						25						1,016						3,180
Leases			10												—						—						27						37
Allowance for credit losses on loans			121,522												(2,885)						530						4,350						123,517
Reserve for unfunded commitments			5,850												—						—						360						6,210
Total			$	127,372											$	(2,885)					$	530					$	4,710					$	129,727

For the periods indicated, the following tables summarize the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the balance sheet within other liabilities:

			Allowance for credit losses – Year ended December 31, 2023
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	30,962											$	—					$	—					$	4,115					$	35,077
CRE owner occupied			14,014												(3,637)						2						4,702						15,081
Multifamily			13,132												—						—						1,286						14,418
Farmland			3,273												—						—						1,015						4,288
Total commercial real estate loans			61,381												(3,637)						2						11,118						68,864
Consumer:
SFR 1-4 1st DT liens			11,268												—						262						2,479						14,009
SFR HELOCs and junior liens			11,413												(66)						723						(1,797)						10,273
Other			1,958												(558)						190						1,581						3,171
Total consumer loans			24,639												(624)						1,175						2,263						27,453
Commercial and industrial			13,597												(3,879)						316						2,716						12,750
Construction			5,142												—						—						3,714						8,856
Agriculture production			906												—						34						2,649						3,589
Leases			15												—						—						(5)						10
Allowance for credit losses on loans			105,680												(8,140)						1,527						22,455						121,522
Reserve for unfunded commitments			4,315												—						—						1,535						5,850
Total			$	109,995											$	(8,140)					$	1,527					$	23,990					$	127,372

			Allowance for credit losses – Three months ended June 30, 2023
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	32,963											$	—					$	—					$	79					$	33,042
CRE owner occupied			14,559												—						1						5,648						20,208
Multifamily			13,873												—						—						202						14,075
Farmland			3,542												—						—						149						3,691
Total commercial real estate loans			64,937												—						1						6,078						71,016
Consumer:
SFR 1-4 1st DT liens			11,920												—						—						1,214						13,134
SFR HELOCs and junior liens			10,914												—						37						(343)						10,608
Other			2,062												(163)						26						846						2,771
Total consumer loans			24,896												(163)						63						1,717						26,513
Commercial and industrial			12,069												(113)						123						(432)						11,647
Construction			5,655												—						—						1,376						7,031
Agriculture production			833												—						31						241						1,105
Leases			17												—						—						—						17
Allowance for credit losses on loans			108,407												(276)						218						8,980						117,329
Reserve for unfunded commitments			4,195												—						—						670						4,865
Total			$	112,602											$	(276)					$	218					$	9,650					$	122,194

			Allowance for credit losses – Six months ended June 30, 2023
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	30,962											$	—					$	—					$	2,080					$	33,042
CRE owner occupied			14,014												—						1						6,193						20,208
Multifamily			13,132												—						—						943						14,075
Farmland			3,273												—						—						418						3,691
Total commercial real estate loans			61,381												—						1						9,634						71,016
Consumer:
SFR 1-4 1st DT liens			11,268												—						—						1,866						13,134
SFR HELOCs and junior liens			11,413												(42)						102						(865)						10,608
Other			1,958												(305)						77						1,041						2,771
Total consumer loans			24,639												(347)						179						2,042						26,513
Commercial and industrial			13,597												(1,687)						176						(439)						11,647
Construction			5,142												—						—						1,889						7,031
Agriculture production			906												—						32						167						1,105
Leases			15												—						—						2						17
Allowance for credit losses on loans			105,680												(2,034)						388						13,295						117,329
Reserve for unfunded commitments			4,315												—						—						550						4,865
Total			$	109,995											$	(2,034)					$	388					$	13,845					$	122,194

Schedule Credit Quality Indicators

Based on the most recent analysis performed, the risk category of loans by class of loans is as follows for the period indicated:

			Term Loans Amortized Cost Basis by Origination Year – As of June 30, 2024																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2024						2023						2022						2021						2020						Prior
Commercial real estate:
CRE non-owner occupied risk ratings
Pass			$	40,265					$	181,312					$	427,650					$	273,937					$	151,948					$	964,184					$	152,986					$	—					$	2,192,282
Special Mention			—						—						1,638						—						—						28,048						1,431						—						31,117
Substandard			—						—						—						767						—						17,207						747						—						18,721
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	40,265					$	181,312					$	429,288					$	274,704					$	151,948					$	1,009,439					$	155,164					$	—					$	2,242,120
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	50,113					$	74,662					$	200,057					$	181,223					$	110,268					$	280,971					$	27,458					$	—					$	924,752
Special Mention			2,143						—						816						2,309						209						5,850						—						—						11,327
Substandard			—						—						8,079						4,648						2,695						995						—						—						16,417
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	52,256					$	74,662					$	208,952					$	188,180					$	113,172					$	287,816					$	27,458					$	—					$	952,496
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			Term Loans Amortized Cost Basis by Origination Year – As of June 30, 2024																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2024						2023						2022						2021						2020						Prior
Commercial real estate:
Multifamily risk ratings
Pass			$	14,652					$	28,130					$	175,293					$	295,199					$	119,893					$	320,466					$	34,155					$	—					$	987,788
Special Mention			—						—						—						12,316						—						497						—						—						12,813
Substandard			—						—						—						—						—						205						—						—						205
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	14,652					$	28,130					$	175,293					$	307,515					$	119,893					$	321,168					$	34,155					$	—					$	1,000,806
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Farmland risk ratings
Pass			$	2,216					$	21,067					$	45,643					$	23,997					$	15,510					$	51,435					$	44,384					$	—					$	204,252
Special Mention			—						—						2,963						5,804						427						4,635						1,217						—						15,046
Substandard			—						101						—						21,191						—						12,981						12,118						—						46,391
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	2,216					$	21,168					$	48,606					$	50,992					$	15,937					$	69,051					$	57,719					$	—					$	265,689
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	37,699					$	126,042					$	185,536					$	254,103					$	118,386					$	147,272					$	—					$	4,187					$	873,225
Special Mention			—						69						—						—						—						1,282						—						—						1,351
Substandard			—						253						141						1,259						2,123						6,282						—						330						10,388
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	37,699					$	126,364					$	185,677					$	255,362					$	120,509					$	154,836					$	—					$	4,517					$	884,964
Year-to-date gross charge-offs			$	—					$	26					$	—					$	—					$	—					$	—					$	—					$	—					$	26

Consumer loans:
SFR HELOCs and junior liens risk ratings
Pass			$	252					$	—					$	—					$	—					$	—					$	83					$	330,700					$	6,243					$	337,278
Special Mention			—						—						—						—						—						—						4,691						247						4,938
Substandard			—						—						—						—						—						—						3,696						478						4,174
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	252					$	—					$	—					$	—					$	—					$	83					$	339,087					$	6,968					$	346,390
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	41					$	—					$	41

Consumer loans:
Other risk ratings
Pass			$	10,320					$	27,562					$	7,256					$	7,239					$	6,347					$	9,159					$	619					$	—					$	68,502
Special Mention			—						8						3						236						7						54						16						—						324
Substandard			—						83						189						135						2						136						2						—						547
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	10,320					$	27,653					$	7,448					$	7,610					$	6,356					$	9,349					$	637					$	—					$	69,373
Year-to-date gross charge-offs			$	179					$	67					$	—					$	74					$	28					$	15					$	5					$	—					$	368

			Term Loans Amortized Cost Basis by Origination Year – As of June 30, 2024																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2024						2023						2022						2021						2020						Prior
Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	39,523					$	60,115					$	71,586					$	40,315					$	6,498					$	12,628					$	306,381					$	225					$	537,271
Special Mention			149						—						733						144						55						—						3,224						—						4,305
Substandard			183						—						1,794						881						63						679						3,374						75						7,049
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	39,855					$	60,115					$	74,113					$	41,340					$	6,616					$	13,307					$	312,979					$	300					$	548,625
Year-to-date gross charge-offs			$	106					$	—					$	62					$	93					$	—					$	—					$	739					$	—					$	1,000

Construction loans:
Construction risk ratings
Pass			$	8,485					$	84,942					$	100,770					$	59,177					$	9,188					$	7,729					$	—					$	—					$	270,291
Special Mention			—						—						13,020						—						—						—						—						—						13,020
Substandard			—						—						—						—						—						63						—						—						63
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	8,485					$	84,942					$	113,790					$	59,177					$	9,188					$	7,792					$	—					$	—					$	283,374
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Agriculture production loans:
Agriculture production risk ratings
Pass			$	859					$	1,344					$	2,663					$	1,163					$	307					$	7,965					$	117,831					$	—					$	132,132
Special Mention			—						33						—						—						—						—						7,050						—						7,083
Substandard			—						—						160						568						139						19						138						—						1,024
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	859					$	1,377					$	2,823					$	1,731					$	446					$	7,984					$	125,019					$	—					$	140,239
Year-to-date gross charge-offs			$	—					$	—					$	173					$	—					$	—					$	—					$	1,277					$	—					$	1,450

Leases:
Lease risk ratings
Pass			$	8,450					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	8,450
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	8,450					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	8,450
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Total loans outstanding:
Risk ratings
Pass			$	212,834					$	605,176					$	1,216,454					$	1,136,353					$	538,345					$	1,801,892					$	1,014,514					$	10,655					$	6,536,223
Special Mention			2,292						110						19,173						20,809						698						40,366						17,629						247						101,324
Substandard			183						437						10,363						29,449						5,022						38,567						20,075						883						104,979
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	215,309					$	605,723					$	1,245,990					$	1,186,611					$	544,065					$	1,880,825					$	1,052,218					$	11,785					$	6,742,526
Year-to-date gross charge-offs			$	285					$	93					$	235					$	167					$	28					$	15					$	2,062					$	—					$	2,885

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2023																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2023						2022						2021						2020						2019						Prior
Commercial real estate:
CRE non-owner occupied risk ratings
Pass			$	180,326					$	413,863					$	290,210					$	137,656					$	206,408					$	792,875					$	141,686					$	—					$	2,163,024
Special Mention			—						1,329						—						5,281						17,093						14,174						1,247						—						39,124
Substandard			—						—						767						—						2,139						12,540						212						—						15,658
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	180,326					$	415,192					$	290,977					$	142,937					$	225,640					$	819,589					$	143,145					$	—					$	2,217,806
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	71,288					$	196,915					$	190,384					$	118,457					$	59,220					$	268,990					$	23,740					$	—					$	928,994
Special Mention			—						5,773						1,513						2,754						703						2,678						—						—						13,421
Substandard			—						2,972						7,835						—						111						3,107						—						—						14,025
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	71,288					$	205,660					$	199,732					$	121,211					$	60,034					$	274,775					$	23,740					$	—					$	956,440
Period end gross write-offs			$	—					$	—					$	—					$	1,380					$	—					$	2,228					$	29					$	—					$	3,637

Commercial real estate:
Multifamily risk ratings
Pass			$	28,445					$	177,032					$	279,660					$	89,106					$	104,108					$	225,446					$	33,470					$	—					$	937,267
Special Mention			—						—						11,914						—						—						321						—						—						12,235
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	28,445					$	177,032					$	291,574					$	89,106					$	104,108					$	225,767					$	33,470					$	—					$	949,502
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Farmland risk ratings
Pass			$	21,729					$	46,398					$	37,134					$	16,006					$	16,780					$	41,663					$	50,857					$	—					$	230,567
Special Mention			—						2,170						5,802						51						261						734						—						—						9,018
Substandard			101						813						9,053						377						—						13,266						7,859						—						31,469
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	21,830					$	49,381					$	51,989					$	16,434					$	17,041					$	55,663					$	58,716					$	—					$	271,054
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	135,741					$	189,920					$	260,870					$	125,081					$	29,568					$	126,975					$	—					$	4,079					$	872,234
Special Mention			71						—						—						—						—						1,948						—						27						2,046
Substandard			—						140						1,296						1,490						531						5,265						—						436						9,158
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	135,812					$	190,060					$	262,166					$	126,571					$	30,099					$	134,188					$	—					$	4,542					$	883,438
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2023																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2023						2022						2021						2020						2019						Prior
Consumer loans:
SFR HELOCs and junior liens risk ratings
Pass			$	297					$	—					$	—					$	—					$	—					$	96					$	343,698					$	6,444					$	350,535
Special Mention			—						—						—						—						—						—						2,274						138						2,412
Substandard			—						—						—						—						—						—						3,212						654						3,866
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	297					$	—					$	—					$	—					$	—					$	96					$	349,184					$	7,236					$	356,813
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	66					$	66

Consumer loans:
Other risk ratings
Pass			$	34,441					$	9,061					$	8,908					$	7,419					$	6,825					$	4,619					$	659					$	—					$	71,932
Special Mention			21						54						203						63						54						37						18						—						450
Substandard			87						183						164						30						116						52						3						—						635
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	34,549					$	9,298					$	9,275					$	7,512					$	6,995					$	4,708					$	680					$	—					$	73,017
Period end gross write-offs			$	376					$	82					$	—					$	36					$	39					$	9					$	16					$	—					$	558

Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	70,930					$	83,184					$	51,455					$	9,504					$	10,193					$	7,636					$	340,858					$	318					$	574,078
Special Mention			33						663						237						83						—						178						1,126						—						2,320
Substandard			—						2,014						782						103						4						762						6,318						74						10,057
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	70,963					$	85,861					$	52,474					$	9,690					$	10,197					$	8,576					$	348,302					$	392					$	586,455
Period end gross write-offs			$	153					$	287					$	240					$	2,285					$	—					$	—					$	896					$	18					$	3,879

Construction loans:
Construction risk ratings
Pass			$	56,378					$	136,294					$	85,144					$	47,632					$	4,583					$	6,518					$	—					$	—					$	336,549
Special Mention			—						10,582						—						—						—						—						—						—						10,582
Substandard			—						—						—						—						67						—						—						—						67
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	56,378					$	146,876					$	85,144					$	47,632					$	4,650					$	6,518					$	—					$	—					$	347,198
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Agriculture production loans:
Agriculture production risk ratings
Pass			$	945					$	2,749					$	1,595					$	396					$	620					$	8,491					$	114,935					$	—					$	129,731
Special Mention			—						183						543						176						—						—						11,302						—						12,204
Substandard			—						—						—						—						—						—						2,562						—						2,562
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	945					$	2,932					$	2,138					$	572					$	620					$	8,491					$	128,799					$	—					$	144,497
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2023																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2023						2022						2021						2020						2019						Prior
Leases:
Lease risk ratings
Pass			$	8,250					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	8,250
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	8,250					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	8,250
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Total loans outstanding:
Risk ratings
Pass			$	608,770					$	1,255,416					$	1,205,360					$	551,257					$	438,305					$	1,483,309					$	1,049,903					$	10,841					$	6,603,161
Special Mention			125						20,754						20,212						8,408						18,111						20,070						15,967						165						103,812
Substandard			188						6,122						19,897						2,000						2,968						34,992						20,166						1,164						87,497
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	609,083					$	1,282,292					$	1,245,469					$	561,665					$	459,384					$	1,538,371					$	1,086,036					$	12,170					$	6,794,470
Period end gross write-offs			$	529					$	369					$	240					$	3,701					$	39					$	2,237					$	941					$	84					$	8,140

Analysis of Past Due Loans

The following table shows the ending balance of current and past due originated loans by loan category as of the date indicated:

			Analysis of Past Due Loans - As of June 30, 2024
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	300					$	229					$	4,166					$	4,695					$	2,237,425					$	2,242,120
CRE owner occupied			4,653						—						277						4,930						947,566						952,496
Multifamily			—						507						—						507						1,000,299						1,000,806
Farmland			—						549						7,954						8,503						257,186						265,689
Total commercial real estate loans			4,953						1,285						12,397						18,635						4,442,476						4,461,111
Consumer:
SFR 1-4 1st DT liens			165						2,687						2,375						5,227						879,737						884,964
SFR HELOCs and junior liens			2,132						144						278						2,554						343,836						346,390
Other			207						175						2						384						68,989						69,373
Total consumer loans			2,504						3,006						2,655						8,165						1,292,562						1,300,727
Commercial and industrial			672						168						1,868						2,708						545,917						548,625
Construction			—						—						—						—						283,374						283,374
Agriculture production			707						—						157						864						139,375						140,239
Leases			—						—						—						—						8,450						8,450
Total			$	8,836					$	4,459					$	17,077					$	30,372					$	6,712,154					$	6,742,526

			Analysis of Past Due Loans - As of December 31, 2023
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	3,876					$	—					$	1,382					$	5,258					$	2,212,548					$	2,217,806
CRE owner occupied			34						—						247						281						956,159						956,440
Multifamily			—						—						—						—						949,502						949,502
Farmland			635						3,798						2,052						6,485						264,569						271,054
Total commercial real estate loans			4,545						3,798						3,681						12,024						4,382,778						4,394,802
Consumer:
SFR 1-4 1st DT liens			141						1,449						490						2,080						881,358						883,438
SFR HELOCs and junior liens			16						—						623						639						356,174						356,813
Other			148						40						30						218						72,799						73,017
Total consumer loans			305						1,489						1,143						2,937						1,310,331						1,313,268
Commercial and industrial			244						605						1,654						2,503						583,952						586,455
Construction			—						—						—						—						347,198						347,198
Agriculture production			593						878						33						1,504						142,993						144,497
Leases			447						—						—						447						7,803						8,250
Total			$	6,134					$	6,770					$	6,511					$	19,415					$	6,775,055					$	6,794,470

Schedule of Non Accrual Loans

The following table shows the ending balance of non accrual loans by loan category as of the date indicated:

			Non Accrual Loans
			As of June 30, 2024																		As of December 31, 2023
(in thousands)			Non accrual with no allowance for credit losses						Total non accrual						Past due 90 days or more and still accruing						Non accrual with no allowance for credit losses						Total non accrual						Past due 90 days or more and still accruing
Commercial real estate:
CRE non-owner occupied			$	4,882					$	4,882					$	—					$	2,024					$	2,024					$	—
CRE owner occupied			3,426						3,426						—						3,994						3,994						—
Multifamily			—						—						—						—						—						—
Farmland			13,071						13,071						—						5,996						14,484						—
Total commercial real estate loans			21,379						21,379						—						12,014						20,502						—
Consumer:
SFR 1-4 1st DT liens			4,929						5,189						—						2,808						2,811						—
SFR HELOCs and junior liens			3,039						3,291						—						3,281						3,571						—
Other			40						72						—						39						105						—
Total consumer loans			8,008						8,552						—						6,128						6,487						—
Commercial and industrial			1,504						2,351						272						1,379						2,503						10
Construction			63						63						—						67						67						—
Agriculture production			138						157						—						—						2,322						—
Leases			—						—						—						—						—						—
Sub-total			31,092						32,502						272						19,588						31,881						10
Less: Guaranteed loans			(788)						—						—						(766)						(878)						—
Total, net			$	30,304					$	32,502					$	272					$	18,822					$	31,003					$	10

Amortized Cost Basis of Collateral Dependent Loans, By Class of Loan

The following tables present the amortized cost basis of collateral dependent loans by class of loans as of the following periods:

			As of June 30, 2024
(in thousands)			Retail						Office						Warehouse						Other						Multifamily						Farmland						SFR-1st Deed						SFR-2nd Deed						Automobile/Truck						A/R and Inventory						Equipment						Total
Commercial real estate:
CRE non-owner occupied			$	3,517					$	373					$	—					$	992					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	4,882
CRE owner occupied			143						26						285						2,972						—						—						—						—						—						—						—						3,426
Multifamily			—						—						—						—						—						—						—						—						—						—						—						—
Farmland			—						—						—						—						—						13,071						—						—						—						—						—						13,071
Total commercial real estate loans			3,660						399						285						3,964						—						13,071						—						—						—						—						—						21,379
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						5,183						—						—						—						—						5,183
SFR HELOCs and junior liens			—						—						—						—						—						—						1,156						1,883						—						—						—						3,039
Other			—						—						—						—						—						—						—						—						63						—						—						63
Total consumer loans			—						—						—						—						—						—						6,339						1,883						63						—						—						8,285
Commercial and industrial			—						—						—						—						—						—						—						—						—						1,355						996						2,351
Construction			—						—						—						—						—						—						63						—						—						—						—						63
Agriculture production			—						—						—						138						—						—						—						—						—						—						19						157
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	3,660					$	399					$	285					$	4,102					$	—					$	13,071					$	6,402					$	1,883					$	63					$	1,355					$	1,015					$	32,235

			As of December 31, 2023
(in thousands)			Retail						Office						Warehouse						Other						Multifamily						Farmland						SFR -1st Deed						SFR -2nd Deed						Automobile/Truck						A/R and Inventory						Equipment						Total
Commercial real estate:
CRE non-owner occupied			$	124					$	615					$	519					$	766					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	2,024
CRE owner occupied			614						—						297						3,083						—						—						—						—						—						—						—						3,994
Multifamily			—						—						—						—						—						—						—						—						—						—						—						—
Farmland			—						—						—						635						—						13,849						—						—						—						—						—						14,484
Total commercial real estate loans			738						615						816						4,484						—						13,849						—						—						—						—						—						20,502
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						2,808						—						—						—						—						2,808
SFR HELOCs and junior liens			—						—						—						—						—						—						1,816						1,467						—						—						—						3,283
Other			—						—						—						—						—						—						—						—						95						—						—						95
Total consumer loans			—						—						—						—						—						—						4,624						1,467						95						—						—						6,186
Commercial and industrial			—						—						—						—						—						—						—						—						—						1,712						791						2,503
Construction			—						—						—						—						—						—						67						—						—						—						—						67
Agriculture production			—						—						—						2,288						—						—						—						—						—						—						33						2,321
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	738					$	615					$	816					$	6,772					$	—					$	13,849					$	4,691					$	1,467					$	95					$	1,712					$	824					$	31,579

The following tables show the amortized cost basis of loans that were both experiencing financial difficulty and modified during the periods presented. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivables is also presented below.

			For the three months ended
			June 30, 2024																		June 30, 2023
(in thousands)			Combination - Term Extension/Rate Change						Payment Delay/Term Extension						Total % of Loans Outstanding						Payment Delay/Term Extension						Total % of Loans Outstanding
Multifamily			$	—					$	295					0.03		%				$	—					—		%
Commercial and industrial			—						166						0.03						177						0.03
Total			$	—					$	461					0.01		%				$	177					0.03		%

			For the six months ended
			June 30, 2024																		June 30, 2023
(in thousands)			Combination - Term Extension/Rate Change						Payment Delay/Term Extension						Total % of Loans Outstanding						Payment Delay/Term Extension						Total % of Loans Outstanding
CRE non-owner occupied			$	211					$	—					0.01		%				$	—					—		%
Multifamily			—						295						0.29						—						—
SFR HELOCs and junior liens			—						41						0.01						—						—
Commercial and industrial			—						682						0.12						177						0.03
Total			$	211					$	1,018					0.02		%				$	177					0.03		%

The following table presents the financial effect of loan modifications made to borrowers experiencing financial difficulty during the three and six months ended June 30, 2024.

Three months ended June 30, 2024

Modification Type

Loan Type

Financial Effect

Payment delay / term extension

Multifamily

Added 12 months to the life of the loan

Payment delay / term extension

Commercial and industrial

Added a weighted average 60 months to the life of the loans

Six months ended June 30, 2024

Modification Type

Loan Type

Financial Effect

Combination - Term extension / rate change

CRE non-owner occupied

Added 120 months to the life of the loan; converted from variable to fixed interest rate

Payment delay / term extension

SFR HELOCs and junior liens

Added 60 months to the life of the loan

Payment delay / term extension

Commercial and industrial

Added a weighted average 49 months to the life of the loans

The following table presents the financial effect of loan modifications made to borrowers experiencing financial difficulty during the three and six months ended June 30, 2023.

Modification Type

Loan Type

Financial Effect

Payment delay / term extension

Commercial and industrial

Added 12 months to the life of the loan to delay balloon repayment

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