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OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES (Tables) | 6 Months Ended
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Jun. 30, 2025
OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES |
Schedule of Commitments exclusive of Mortgage Bank Loan Commitments | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(in thousands) |  | June 30, 2025 |  | December 31, 2024 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Unused warehouse lines of credit | ​ | $ | 363,726 | ​ | $ | 404,240 | ​
Unused home equity lines of credit | ​ |  | 480,341 | ​ |  | 478,040 | ​
Unused loan commitments - other | ​ |  | 1,167,249 | ​ |  | 1,093,990 | ​
Standby letters of credit | ​ |  | 11,964 | ​ |  | 11,282 | ​
Total commitments | ​ | $ | 2,023,280 | ​ | $ | 1,987,552 | ​
Schedule of roll-forward of the ACLC | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ACLC Roll-forward
​ | ​ | ​ | Three Months Ended June 30,
​ | ​ | ​ | 2025 | ​ | 2024
​ | ​ | ​ | Beginning | ​ | ​ | ​ | Charge- | ​ | ​ | ​ | Ending | ​ | Beginning | ​ | ​ | ​ | Charge- | ​ | ​ | ​ | Ending
(in thousands) | ​ | ​ | Balance | ​ | Provision | ​ | offs | ​ | Recoveries | ​ | Balance | ​ | Balance | ​ | Provision | ​ | offs | ​ | Recoveries | ​ | Balance
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loan Commitments | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Unused warehouse lines of credit | ​ | ​ | $ | 105 | ​ | $ | (13) | ​ | $ | — | ​ | $ | — | ​ | $ | 92 | ​ | $ | 108 | ​ | $ | (31) | ​ | $ | — | ​ | $ | — | ​ | $ | 77
Unused home equity lines of credit | ​ | ​ | ​ | 199 | ​ | ​ | (4) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 195 | ​ | ​ | 86 | ​ | ​ | 24 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 110
Unused construction lines of credit | ​ | ​ | ​ | 737 | ​ | ​ | (34) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 703 | ​ | ​ | 641 | ​ | ​ | (50) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 591
Unused RCS lines of credit | ​ | ​ | ​ | 190 | ​ | ​ | 30 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 220 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Unused loan commitments - other | ​ | ​ | ​ | 279 | ​ | ​ | 11 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 290 | ​ | ​ | 395 | ​ | ​ | (63) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 332
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total | ​ | ​ | $ | 1,510 | ​ | $ | (10) | ​ | $ | — | ​ | $ | — | ​ | $ | 1,500 | ​ | $ | 1,230 | ​ | $ | (120) | ​ | $ | — | ​ | $ | — | ​ | $ | 1,110
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ACLC Roll-forward
​ | ​ | ​ | Six Months Ended June 30,
​ | ​ | ​ | 2025 | ​ | 2024
​ | ​ | ​ | Beginning | ​ | ​ | ​ | Charge- | ​ | ​ | ​ | Ending | ​ | Beginning | ​ | ​ | ​ | Charge- | ​ | ​ | ​ | Ending
(in thousands) | ​ | ​ | Balance | ​ | Provision | ​ | offs | ​ | Recoveries | ​ | Balance | ​ | Balance | ​ | Provision | ​ | offs | ​ | Recoveries | ​ | Balance
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loan Commitments | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Unused warehouse lines of credit | ​ | ​ | $ | 79 | ​ | $ | 13 | ​ | $ | — | ​ | $ | — | ​ | $ | 92 | ​ | $ | 116 | ​ | $ | (39) | ​ | $ | — | ​ | $ | — | ​ | $ | 77
Unused home equity lines of credit | ​ | ​ | ​ | 183 | ​ | ​ | 12 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 195 | ​ | ​ | 55 | ​ | ​ | 55 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 110
Unused construction lines of credit | ​ | ​ | ​ | 677 | ​ | ​ | 26 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 703 | ​ | ​ | 820 | ​ | ​ | (229) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 591
Unused RCS lines of credit | ​ | ​ | ​ | 300 | ​ | ​ | (80) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 220 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Unused loan commitments - other | ​ | ​ | ​ | 251 | ​ | ​ | 39 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 290 | ​ | ​ | 349 | ​ | ​ | (17) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 332
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total | ​ | ​ | $ | 1,490 | ​ | $ | 10 | ​ | $ | — | ​ | $ | — | ​ | $ | 1,500 | ​ | $ | 1,340 | ​ | $ | (230) | ​ | $ | — | ​ | $ | — | ​ | $ | 1,110
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
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