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Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 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 September 30, 2024
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	37,155											$	—					$	—					$	(949)					$	36,206
CRE owner occupied			15,873												—						1						(492)						15,382
Multifamily			15,973												—						—						(238)						15,735
Farmland			4,031												—						—						(15)						4,016
Total commercial real estate loans			73,032												—						1						(1,694)						71,339
Consumer:
SFR 1-4 1st DT liens			14,604												—						—						(238)						14,366
SFR HELOCs and junior liens			10,087												—						196						(98)						10,185
Other			2,983												(170)						63						77						2,953
Total consumer loans			27,674												(170)						259						(259)						27,504
Commercial and industrial			12,128												(274)						106						2,493						14,453
Construction			7,466												—						—						(347)						7,119
Agriculture production			3,180												—						1						131						3,312
Leases			37												—						—						(4)						33
Allowance for credit losses on loans			123,517												(444)						367						320						123,760
Reserve for unfunded commitments			6,210												—						—						(100)						6,110
Total			$	129,727											$	(444)					$	367					$	220					$	129,870

			Allowance for credit losses – Nine months ended September 30, 2024
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	35,077											$	—					$	—					$	1,129					$	36,206
CRE owner occupied			15,081												—						2						299						15,382
Multifamily			14,418												—						—						1,317						15,735
Farmland			4,288												—						—						(272)						4,016
Total commercial real estate loans			68,864												—						2						2,473						71,339
Consumer:
SFR 1-4 1st DT liens			14,009												(26)						—						383						14,366
SFR HELOCs and junior liens			10,273												(41)						296						(343)						10,185
Other			3,171												(538)						184						136						2,953
Total consumer loans			27,453												(605)						480						176						27,504
Commercial and industrial			12,750												(1,274)						389						2,588						14,453
Construction			8,856												—						—						(1,737)						7,119
Agriculture production			3,589												(1,450)						26						1,147						3,312
Leases			10												—						—						23						33
Allowance for credit losses on loans			121,522												(3,329)						897						4,670						123,760
Reserve for unfunded commitments			5,850												—						—						260						6,110
Total			$	127,372											$	(3,329)					$	897					$	4,930					$	129,870

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 September 30, 2023
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	33,042											$	—					$	—					$	681					$	33,723
CRE owner occupied			20,208												(3,608)						—						(2,097)						14,503
Multifamily			14,075												—						—						164						14,239
Farmland			3,691												—						—						519						4,210
Total commercial real estate loans			71,016												(3,608)						—						(733)						66,675
Consumer:
SFR 1-4 1st DT liens			13,134												—						262						139						13,535
SFR HELOCs and junior liens			10,608												—						314						(759)						10,163
Other			2,771												(133)						52						230						2,920
Total consumer loans			26,513												(133)						628						(390)						26,618
Commercial and industrial			11,647												(1,616)						91						2,168						12,290
Construction			7,031												—						—						1,066						8,097
Agriculture production			1,105												—						1						1,019						2,125
Leases			17												—						—						(10)						7
Allowance for credit losses on loans			117,329												(5,357)						720						3,120						115,812
Reserve for unfunded commitments			4,865												—						—						1,035						5,900
Total			$	122,194											$	(5,357)					$	720					$	4,155					$	121,712

			Allowance for credit losses – Nine months ended September 30, 2023
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	30,962											$	—					$	—					$	2,761					$	33,723
CRE owner occupied			14,014												(3,608)						1						4,096						14,503
Multifamily			13,132												—						—						1,107						14,239
Farmland			3,273												—						—						937						4,210
Total commercial real estate loans			61,381												(3,608)						1						8,901						66,675
Consumer:
SFR 1-4 1st DT liens			11,268												—						262						2,005						13,535
SFR HELOCs and junior liens			11,413												(42)						416						(1,624)						10,163
Other			1,958												(438)						129						1,271						2,920
Total consumer loans			24,639												(480)						807						1,652						26,618
Commercial and industrial			13,597												(3,303)						267						1,729						12,290
Construction			5,142												—						—						2,955						8,097
Agriculture production			906												—						33						1,186						2,125
Leases			15												—						—						(8)						7
Allowance for credit losses on loans			105,680												(7,391)						1,108						16,415						115,812
Reserve for unfunded commitments			4,315												—						—						1,585						5,900
Total			$	109,995											$	(7,391)					$	1,108					$	18,000					$	121,712

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 September 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			$	85,786					$	179,495					$	417,796					$	271,527					$	153,621					$	937,565					$	158,727					$	—					$	2,204,517
Special Mention			—						—						1,595						—						—						28,361						436						—						30,392
Substandard			—						—						—						—						—						16,796						—						—						16,796
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	85,786					$	179,495					$	419,391					$	271,527					$	153,621					$	982,722					$	159,163					$	—					$	2,251,705
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	56,032					$	74,060					$	196,922					$	180,017					$	106,181					$	272,791					$	32,701					$	—					$	918,704
Special Mention			1,646						—						1,651						1,742						208						3,260						—						—						8,507
Substandard			—						—						8,027						5,420						3,527						3,093						—						—						20,067
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	57,678					$	74,060					$	206,600					$	187,179					$	109,916					$	279,144					$	32,701					$	—					$	947,278
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			Term Loans Amortized Cost Basis by Origination Year – As of September 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			$	30,509					$	28,045					$	175,965					$	294,983					$	119,176					$	317,604					$	40,955					$	—					$	1,007,237
Special Mention			—						—						—						12,316						—						209						—						—						12,525
Substandard			—						—						502						—						—						202						—						—						704
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	30,509					$	28,045					$	176,467					$	307,299					$	119,176					$	318,015					$	40,955					$	—					$	1,020,466
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Farmland risk ratings
Pass			$	8,447					$	18,332					$	45,362					$	21,187					$	15,384					$	50,085					$	43,544					$	—					$	202,341
Special Mention			—						2,708						2,911						8,331						425						3,763						1,506						—						19,644
Substandard			—						83						—						21,123						—						12,846						12,038						—						46,090
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	8,447					$	21,123					$	48,273					$	50,641					$	15,809					$	66,694					$	57,088					$	—					$	268,075
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	42,829					$	122,899					$	177,574					$	245,529					$	116,777					$	141,713					$	—					$	3,982					$	851,303
Special Mention			—						67						—						—						—						904						—						168						1,139
Substandard			—						253						353						3,504						2,107						6,620						—						477						13,314
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	42,829					$	123,219					$	177,927					$	249,033					$	118,884					$	149,237					$	—					$	4,627					$	865,756
Year-to-date gross charge-offs			$	—					$	26					$	—					$	—					$	—					$	—					$	—					$	—					$	26

Consumer loans:
SFR HELOCs and junior liens risk ratings
Pass			$	252					$	—					$	—					$	—					$	—					$	77					$	338,631					$	6,183					$	345,143
Special Mention			—						—						—						—						—						—						5,126						235						5,361
Substandard			—						—						—						—						—						—						4,381						456						4,837
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	252					$	—					$	—					$	—					$	—					$	77					$	348,138					$	6,874					$	355,341
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	41					$	—					$	41

Consumer loans:
Other risk ratings
Pass			$	10,102					$	24,078					$	6,501					$	6,817					$	5,555					$	8,002					$	612					$	—					$	61,667
Special Mention			—						92						35						231						110						8						15						—						491
Substandard			—						82						166						114						2						342						2						—						708
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	10,102					$	24,252					$	6,702					$	7,162					$	5,667					$	8,352					$	629					$	—					$	62,866
Year-to-date gross charge-offs			$	285					$	67					$	16					$	74					$	28					$	56					$	12					$	—					$	538

			Term Loans Amortized Cost Basis by Origination Year – As of September 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			$	60,316					$	61,459					$	66,387					$	46,857					$	5,087					$	10,539					$	213,784					$	161					$	464,590
Special Mention			143						100						1,530						67						282						1						3,082						—						5,205
Substandard			429						—						1,555						847						43						636						11,384						74						14,968
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	60,888					$	61,559					$	69,472					$	47,771					$	5,412					$	11,176					$	228,250					$	235					$	484,763
Year-to-date gross charge-offs			$	186					$	—					$	178					$	93					$	—					$	—					$	817					$	—					$	1,274

Construction loans:
Construction risk ratings
Pass			$	21,043					$	103,279					$	94,936					$	29,098					$	6,676					$	7,585					$	—					$	—					$	262,617
Special Mention			—						—						13,419						—						—						—						—						—						13,419
Substandard			—						—						—						—						—						59						—						—						59
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	21,043					$	103,279					$	108,355					$	29,098					$	6,676					$	7,644					$	—					$	—					$	276,095
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Agriculture production loans:
Agriculture production risk ratings
Pass			$	639					$	1,379					$	2,495					$	1,028					$	214					$	7,530					$	122,624					$	—					$	135,909
Special Mention			—						—						138						400						107						227						7,204						—						8,076
Substandard			—						—						—						96						—						15						27						—						138
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	639					$	1,379					$	2,633					$	1,524					$	321					$	7,772					$	129,855					$	—					$	144,123
Year-to-date gross charge-offs			$	—					$	—					$	173					$	—					$	—					$	—					$	1,277					$	—					$	1,450

Leases:
Lease risk ratings
Pass			$	7,423					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	7,423
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	7,423					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	7,423
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Total loans outstanding:
Risk ratings
Pass			$	323,378					$	613,026					$	1,183,938					$	1,097,043					$	528,671					$	1,753,491					$	951,578					$	10,326					$	6,461,451
Special Mention			1,789						2,967						21,279						23,087						1,132						36,733						17,369						403						104,759
Substandard			429						418						10,603						31,104						5,679						40,609						27,832						1,007						117,681
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	325,596					$	616,411					$	1,215,820					$	1,151,234					$	535,482					$	1,830,833					$	996,779					$	11,736					$	6,683,891
Year-to-date gross charge-offs			$	471					$	93					$	367					$	167					$	28					$	56					$	2,147					$	—					$	3,329

			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 September 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			$	1,035					$	—					$	3,042					$	4,077					$	2,247,628					$	2,251,705
CRE owner occupied			—						251						3,011						3,262						944,016						947,278
Multifamily			—						—						502						502						1,019,964						1,020,466
Farmland			1,201						205						8,291						9,697						258,378						268,075
Total commercial real estate loans			2,236						456						14,846						17,538						4,469,986						4,487,524
Consumer:
SFR 1-4 1st DT liens			214						—						3,938						4,152						861,604						865,756
SFR HELOCs and junior liens			2,678						810						859						4,347						350,994						355,341
Other			128						80						89						297						62,569						62,866
Total consumer loans			3,020						890						4,886						8,796						1,275,167						1,283,963
Commercial and industrial			1,158						8,501						1,850						11,509						473,254						484,763
Construction			—						—						—						—						276,095						276,095
Agriculture production			15						—						28						43						144,080						144,123
Leases			—						—						—						—						7,423						7,423
Total			$	6,429					$	9,847					$	21,610					$	37,886					$	6,646,005					$	6,683,891

			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 September 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			$	3,624					$	3,624					$	—					$	2,024					$	2,024					$	—
CRE owner occupied			3,278						3,278						—						3,994						3,994						—
Multifamily			502						502						—						—						—						—
Farmland			12,967						12,967						—						5,996						14,484						—
Total commercial real estate loans			20,371						20,371						—						12,014						20,502						—
Consumer:
SFR 1-4 1st DT liens			5,991						5,997						—						2,808						2,811						—
SFR HELOCs and junior liens			3,995						4,238						—						3,281						3,571						—
Other			108						117						—						39						105						—
Total consumer loans			10,094						10,352						—						6,128						6,487						—
Commercial and industrial			1,529						10,556						86						1,379						2,503						10
Construction			59						59						—						67						67						—
Agriculture production			170						213						—						—						2,322						—
Leases			—						—						—						—						—						—
Sub-total			32,223						41,551						86						19,588						31,881						10
Less: Guaranteed loans			(852)						—						—						(766)						(878)						—
Total, net			$	31,371					$	41,551					$	86					$	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 September 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			$	3,042					$	364					$	—					$	218					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	3,624
CRE owner occupied			140						23						147						2,968						—						—						—						—						—						—						—						3,278
Multifamily			—						—						—						—						502						—						—						—						—						—						—						502
Farmland			—						—						—						—						—						12,967						—						—						—						—						—						12,967
Total commercial real estate loans			3,182						387						147						3,186						502						12,967						—						—						—						—						—						20,371
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						5,991						—						—						—						—						5,991
SFR HELOCs and junior liens			—						—						—						—						—						—						1,512						2,483						—						—						—						3,995
Other			—						—						—						—						—						—						—						—						108						—						—						108
Total consumer loans			—						—						—						—						—						—						7,503						2,483						108						—						—						10,094
Commercial and industrial			—						—						—						8,334						—						—						—						—						—						1,244						978						10,556
Construction			—						—						—						—						—						—						59						—						—						—						—						59
Agriculture production			—						—						—						28						—						—						—						—						—						—						185						213
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	3,182					$	387					$	147					$	11,548					$	502					$	12,967					$	7,562					$	2,483					$	108					$	1,244					$	1,163					$	41,293

			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
			September 30, 2024																		September 30, 2023
(in thousands)			Combination - Term Extension/Rate Change						Payment Delay/Term Extension						Total % of Loans Outstanding						Payment Delay/Term Extension						Payment Delay/Term Reduction						Total % of Loans Outstanding
Farmland			—						—						—						—						$	1,043					0.37		%
Commercial and industrial			—						326						0.07						45						—						0.01
Total			$	—					$	326					—		%				$	45					$	1,043					0.02		%

			For the nine months ended
			September 30, 2024																		September 30, 2023
(in thousands)			Combination - Term Extension/Rate Change						Payment Delay/Term Extension						Total % of Loans Outstanding						Payment Delay/Term Extension						Payment Delay/Term Reduction						Total % of Loans Outstanding
CRE non-owner occupied			$	211					$	—					0.01		%				$	—					$	—					—		%
Multifamily			—						295						0.29						—						—						—
Farmland			—						—						—						—						1,043						0.37
SFR HELOCs and junior liens			—						41						0.01						—						—						—
Commercial and industrial			—						1,008						0.21						206						—						0.03
Total			$	211					$	1,344					0.02		%				$	206					$	1,043					0.02		%

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

Three months ended September 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

Nine months ended September 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 53 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 nine months ended September 30, 2023.

Modification Type

Loan Type

Financial Effect

Payment delay / term reduction

Farmland

Reduced term by 12 months; changed from amortizing to interest only

Payment delay / term extension

Commercial and industrial

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

Payment delay / term extension

Commercial and industrial

Added 12 months to the life of the loan; changed from amortizing to interest only

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