A summary of loan balances at amortized cost are as follows:


(in thousands)	March 31, 2025		December 31, 2024
Commercial real estate:
CRE non-owner occupied	$	2,359,104	$	2,323,036
CRE owner occupied	986,721		961,415
Multifamily	1,026,566		1,028,035
Farmland	262,055		265,146
Total commercial real estate loans	4,634,446		4,577,632
Consumer:
SFR 1-4 1st DT liens	852,719		859,660
SFR HELOCs and junior liens	373,970		363,420
Other	53,189		57,979
Total consumer loans	1,279,878		1,281,059
Commercial and industrial	457,189		471,271
Construction	298,319		279,933
Agriculture production	144,588		151,822
Leases	6,354		6,806
Total loans, net of deferred loan fees and discounts	$	6,820,774	$	6,768,523
Total principal balance of loans owed, net of charge-offs	$	6,854,102	$	6,804,113
Unamortized net deferred loan fees	(15,013)		(15,283)
Discounts to principal balance of loans owed, net of charge-offs	(18,315)		(20,307)
Total loans, net of unamortized deferred loan fees and discounts	$	6,820,774	$	6,768,523
Allowance for credit losses on loans	$	(128,423)	$	(125,366)