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Loans Receivable and Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2024
Receivables [Abstract] |
Summary of Loans Receivable by Major Category | The following is a summary of loans receivable by segment:
| December 31,
| 2024 |  | 2023
| (Dollars in thousands)
Loan portfolio composition |  |  |
CRE loans | $ | 8,527,008 |  |  | $ | 8,797,884 |
C&I loans | 3,967,596 |  |  | 4,135,044 |
Residential mortgage loans | 1,082,459 |  |  | 883,687 |
Consumer and other loans | 41,209 |  |  | 37,004 |
Total loans receivable, net of deferred costs and fees | 13,618,272 |  |  | 13,853,619 |
Allowance for credit losses | (150,527) |  |  | (158,694) |
Loans receivable, net of allowance for credit losses | $ | 13,467,745 |  |  | $ | 13,694,925 |
Allowance for Credit Losses by Portfolio Segment | The tables below detail the activity in the ACL by portfolio segment for the years ended December 31, 2024 and 2023, and 2022. Charge offs for the year ended December 31, 2024 included $20.1 million in charge offs related to C&I loans. Charge offs for the year ended December 31, 2023, included an idiosyncratic full charge off of $23.4 million related to a borrower that entered into Chapter 7 liquidation in August 2023. Recoveries for the year 2022 included $17.3 million in recoveries from a single lending relationship that had $29.6 million in charge offs during the year 2021.
| CRE Loans |  | C&I Loans |  | Residential Mortgage Loans |  | Consumer and Other Loans |  | Total
| (Dollars in thousands)
December 31, 2024 |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 93,940 |  |  | $ | 51,291 |  |  | $ | 12,838 |  |  | $ | 625 |  |  | $ | 158,694 |
Provision (credit) for credit losses | (5,021) |  |  | 31,818 |  |  | (8,400) |  |  | 3 |  |  | 18,400 |
Loans charged off | (1,108) |  |  | (29,662) |  |  | — |  |  | (318) |  |  | (31,088) |
Recoveries of charge offs | 563 |  |  | 3,796 |  |  | — |  |  | 162 |  |  | 4,521 |
Balance, end of period | $ | 88,374 |  |  | $ | 57,243 |  |  | $ | 4,438 |  |  | $ | 472 |  |  | $ | 150,527 |
December 31, 2023 |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 95,884 |  |  | $ | 56,872 |  |  | $ | 8,920 |  |  | $ | 683 |  |  | $ | 162,359 |
ASU 2022-02 day 1 adoption adjustment | 19 |  |  | (426) |  |  | — |  |  | — |  |  | (407) |
Provision (credit) for credit losses | (2,301) |  |  | 27,233 |  |  | 3,918 |  |  | 250 |  |  | 29,100 |
Loans charged off | (2,947) |  |  | (34,203) |  |  | — |  |  | (370) |  |  | (37,520) |
Recoveries of charge offs | 3,285 |  |  | 1,815 |  |  | — |  |  | 62 |  |  | 5,162 |
Balance, end of period | $ | 93,940 |  |  | $ | 51,291 |  |  | $ | 12,838 |  |  | $ | 625 |  |  | $ | 158,694 |
December 31, 2022 |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 108,440 |  |  | $ | 27,811 |  |  | $ | 3,316 |  |  | $ | 983 |  |  | $ | 140,550 |
Provision (credit) for credit losses | (27,451) |  |  | 31,360 |  |  | 5,626 |  |  | 65 |  |  | 9,600 |
Loans charged off | (6,803) |  |  | (5,160) |  |  | (22) |  |  | (404) |  |  | (12,389) |
Recoveries of charge offs | 21,698 |  |  | 2,861 |  |  | — |  |  | 39 |  |  | 24,598 |
Balance, end of period | $ | 95,884 |  |  | $ | 56,872 |  |  | $ | 8,920 |  |  | $ | 683 |  |  | $ | 162,359 |
The following tables break out the allowance for credit losses and loan balance by measurement methodology at December 31, 2024 and 2023:
| December 31, 2024
| CRE Loans |  | C&I Loans |  | Residential Mortgage Loans |  | Consumer and Other Loans |  | Total
| (Dollars in thousands)
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 880 |  |  | $ | 5,172 |  |  | $ | 37 |  |  | $ | — |  |  | $ | 6,089 |
Collectively evaluated | 87,494 |  |  | 52,071 |  |  | 4,401 |  |  | 472 |  |  | 144,438 |
Total | $ | 88,374 |  |  | $ | 57,243 |  |  | $ | 4,438 |  |  | $ | 472 |  |  | $ | 150,527 |
Loans outstanding: |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 23,235 |  |  | $ | 60,807 |  |  | $ | 6,314 |  |  | $ | 47 |  |  | $ | 90,403 |
Collectively evaluated | 8,503,773 |  |  | 3,906,789 |  |  | 1,076,145 |  |  | 41,162 |  |  | 13,527,869 |
Total | $ | 8,527,008 |  |  | $ | 3,967,596 |  |  | $ | 1,082,459 |  |  | $ | 41,209 |  |  | $ | 13,618,272 |
| December 31, 2023
| CRE Loans |  | C&I Loans |  | Residential Mortgage Loans |  | Consumer and Other Loans |  | Total
| (Dollars in thousands)
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 886 |  |  | $ | 1,721 |  |  | $ | 39 |  |  | $ | 14 |  |  | $ | 2,660 |
Collectively evaluated | 93,054 |  |  | 49,570 |  |  | 12,799 |  |  | 611 |  |  | 156,034 |
Total | $ | 93,940 |  |  | $ | 51,291 |  |  | $ | 12,838 |  |  | $ | 625 |  |  | $ | 158,694 |
Loans outstanding: |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 33,932 |  |  | $ | 5,013 |  |  | $ | 5,916 |  |  | $ | 343 |  |  | $ | 45,204 |
Collectively evaluated | 8,763,952 |  |  | 4,130,031 |  |  | 877,771 |  |  | 36,661 |  |  | 13,808,415 |
Total | $ | 8,797,884 |  |  | $ | 4,135,044 |  |  | $ | 883,687 |  |  | $ | 37,004 |  |  | $ | 13,853,619 |
Schedule of Nonaccrual Loans and Loans Past Due 90 or More Days And Still on Accrual Status | The tables below represent the amortized cost of nonaccrual loans, as well as loans past due 90 days or more and still on accrual status, by loan segment and broken out by loans with a recorded ACL and those without a recorded ACL at December 31, 2024 and 2023.
|  | December 31, 2024
|  | Nonaccrual with No ACL |  | Nonaccrual with an ACL |  | Total Nonaccrual (1) |  | Accruing Loans Past Due 90 Days or More
|  | (Dollars in thousands)
CRE loans |  | $ | 17,691 |  |  | $ | 5,705 |  |  | $ | 23,396 |  |  | $ | — |
C&I loans |  | 33,005 |  |  | 27,802 |  |  | 60,807 |  |  | 129 |
Residential mortgage loans |  | 2,933 |  |  | 3,381 |  |  | 6,314 |  |  | — |
Consumer and other loans |  | — |  |  | 47 |  |  | 47 |  |  | 100 |
Total |  | $ | 53,629 |  |  | $ | 36,935 |  |  | $ | 90,564 |  |  | $ | 229 |
|  | December 31, 2023
|  | Nonaccrual with No ACL |  | Nonaccrual with an ACL |  | Total Nonaccrual (1) |  | Accruing Loans Past Due 90 Days or More
|  | (Dollars in thousands)
CRE loans |  | $ | 26,724 |  |  | $ | 7,208 |  |  | 33,932 |  |  | $ | — |
C&I loans |  | 2,447 |  |  | 2,566 |  |  | 5,013 |  |  | 184 |
Residential mortgage loans |  | 3,002 |  |  | 2,914 |  |  | 5,916 |  |  | — |
Consumer and other loans |  | — |  |  | 343 |  |  | 343 |  |  | 77 |
Total |  | $ | 32,173 |  |  | $ | 13,031 |  |  | $ | 45,204 |  |  | $ | 261 |
__________________________________ (1) Total nonaccrual loans exclude the guaranteed portion of SBA loans that are in liquidation totaling $12.8 million and $11.4 million, at December 31, 2024 and 2023, respectively.
Amortized Cost Basis of Collateral-Dependent Loans | The following table presents the amortized cost of collateral-dependent loans at December 31, 2024 and 2023:
|  | December 31, 2024 |  | December 31, 2023
|  | Real Estate Collateral |  | Other Collateral |  | Total |  | Real Estate Collateral |  | Other Collateral |  | Total
|  | (Dollars in thousands)
CRE loans |  | $ | 20,557 |  |  | $ | — |  |  | $ | 20,557 |  |  | $ | 29,803 |  |  | $ | — |  |  | $ | 29,803 |
C&I loans |  | 6,105 |  |  | 53,809 |  |  | 59,914 |  |  | 2,447 |  |  | 1,708 |  |  | 4,155 |
Residential mortgage loans |  | 2,933 |  |  | — |  |  | 2,933 |  |  | 3,002 |  |  | — |  |  | 3,002 |
Total |  | $ | 29,595 |  |  | $ | 53,809 |  |  | $ | 83,404 |  |  | $ | 35,252 |  |  | $ | 1,708 |  |  | $ | 36,960 |
Aging of Past Due Loans | The following table presents the amortized cost of past due loans, including nonaccrual loans past due 30 days or more, by the number of days past due at December 31, 2024 and 2023, by loan segment:
| December 31, 2024 |  | December 31, 2023
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 or More Days Past Due |  | Total Past Due |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 or More Days Past Due |  | Total Past Due
| (Dollars in thousands)
CRE loans | $ | 1,820 |  |  | $ | 1,917 |  |  | $ | 6,021 |  |  | $ | 9,758 |  |  | $ | 1,999 |  |  | $ | 2,976 |  |  | $ | 10,197 |  |  | $ | 15,172 |
C&I loans | 2,516 |  |  | 10,250 |  |  | 23,079 |  |  | 35,845 |  |  | 934 |  |  | 533 |  |  | 1,717 |  |  | 3,184 |
Residential mortgage loans | 5,926 |  |  | 5,445 |  |  | 2,845 |  |  | 14,216 |  |  | 1,534 |  |  | — |  |  | 2,339 |  |  | 3,873 |
Consumer and other loans | 190 |  |  | 289 |  |  | 109 |  |  | 588 |  |  | 214 |  |  | 48 |  |  | 77 |  |  | 339 |
Total Past Due | $ | 10,452 |  |  | $ | 17,901 |  |  | $ | 32,054 |  |  | $ | 60,407 |  |  | $ | 4,681 |  |  | $ | 3,557 |  |  | $ | 14,330 |  |  | $ | 22,568 |
Financing Receivable Credit Quality Indicators | The following tables present the amortized cost basis of loans receivable by segment, risk rating, and year of origination, renewal, or major modification at December 31, 2024 and 2023.
|  | December 31, 2024
|  | Term Loan by Origination Year |  | Revolving Loans |  | Total
|  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |
|  | (Dollars in thousands)
CRE loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 866,696 |  |  | $ | 564,267 |  |  | $ | 2,316,371 |  |  | $ | 1,885,509 |  |  | $ | 1,111,807 |  |  | $ | 1,535,735 |  |  | $ | 117,265 |  |  | $ | 8,397,650 |
Special mention |  | — |  |  | 15,000 |  |  | 9,879 |  |  | 7,800 |  |  | 1,853 |  |  | 8,778 |  |  | 799 |  |  | 44,109 |
Substandard |  | — |  |  | 966 |  |  | 4,908 |  |  | 32,863 |  |  | 5,469 |  |  | 41,043 |  |  | — |  |  | 85,249 |
Subtotal |  | $ | 866,696 |  |  | $ | 580,233 |  |  | $ | 2,331,158 |  |  | $ | 1,926,172 |  |  | $ | 1,119,129 |  |  | $ | 1,585,556 |  |  | $ | 118,064 |  |  | $ | 8,527,008 |
Year-to-date gross charge offs |  | $ | — |  |  | $ | — |  |  | $ | 165 |  |  | $ | — |  |  | $ | 101 |  |  | $ | 842 |  |  | $ | — |  |  | $ | 1,108 |
C&I loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,426,813 |  |  | $ | 494,432 |  |  | $ | 743,004 |  |  | $ | 348,107 |  |  | $ | 102,725 |  |  | $ | 43,377 |  |  | $ | 495,141 |  |  | $ | 3,653,599 |
Special mention |  | 1,773 |  |  | 16,116 |  |  | 23,831 |  |  | 24,197 |  |  | — |  |  | 14,692 |  |  | 54,355 |  |  | 134,964 |
Substandard |  | 11,990 |  |  | 7,774 |  |  | 19,829 |  |  | 37,320 |  |  | 113 |  |  | 862 |  |  | 55,330 |  |  | 133,218 |
Doubtful/Loss |  | $ | 211 |  |  | $ | 17,446 |  |  | $ | 28,158 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 45,815 |
Subtotal |  | $ | 1,440,787 |  |  | $ | 535,768 |  |  | $ | 814,822 |  |  | $ | 409,624 |  |  | $ | 102,838 |  |  | $ | 58,931 |  |  | $ | 604,826 |  |  | $ | 3,967,596 |
Year-to-date gross charge offs |  | $ | — |  |  | $ | 2,214 |  |  | $ | 27,239 |  |  | $ | 107 |  |  | $ | — |  |  | $ | 102 |  |  | $ | — |  |  | $ | 29,662 |
Residential mortgage loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 286,539 |  |  | $ | 82,682 |  |  | $ | 344,940 |  |  | $ | 239,124 |  |  | $ | 1,320 |  |  | $ | 121,287 |  |  | $ | — |  |  | $ | 1,075,892 |
Special mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | — |  |  | — |  |  | — |  |  | 968 |  |  | 1,803 |  |  | 3,796 |  |  | — |  |  | 6,567 |
Subtotal |  | $ | 286,539 |  |  | $ | 82,682 |  |  | $ | 344,940 |  |  | $ | 240,092 |  |  | $ | 3,123 |  |  | $ | 125,083 |  |  | $ | — |  |  | $ | 1,082,459 |
Year-to-date gross charge offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 6,386 |  |  | $ | 642 |  |  | $ | 192 |  |  | $ | 162 |  |  | $ | 875 |  |  | $ | 8,318 |  |  | $ | 24,587 |  |  | $ | 41,162 |
Special mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 47 |  |  | — |  |  | 47 |
Subtotal |  | $ | 6,386 |  |  | $ | 642 |  |  | $ | 192 |  |  | $ | 162 |  |  | $ | 875 |  |  | $ | 8,365 |  |  | $ | 24,587 |  |  | $ | 41,209 |
Year-to-date gross charge offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 318 |  |  | $ | 318 |
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 2,586,434 |  |  | $ | 1,142,023 |  |  | $ | 3,404,507 |  |  | $ | 2,472,902 |  |  | $ | 1,216,727 |  |  | $ | 1,708,717 |  |  | $ | 636,993 |  |  | $ | 13,168,303 |
Special mention |  | 1,773 |  |  | 31,116 |  |  | 33,710 |  |  | 31,997 |  |  | 1,853 |  |  | 23,470 |  |  | 55,154 |  |  | 179,073 |
Substandard |  | 11,990 |  |  | 8,740 |  |  | 24,737 |  |  | 71,151 |  |  | 7,385 |  |  | 45,748 |  |  | 55,330 |  |  | 225,081 |
Doubtful/Loss |  | 211 |  |  | 17,446 |  |  | 28,158 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 45,815 |
Total |  | $ | 2,600,408 |  |  | $ | 1,199,325 |  |  | $ | 3,491,112 |  |  | $ | 2,576,050 |  |  | $ | 1,225,965 |  |  | $ | 1,777,935 |  |  | $ | 747,477 |  |  | $ | 13,618,272 |
Total year-to-date gross charge offs |  | $ | — |  |  | $ | 2,214 |  |  | $ | 27,404 |  |  | $ | 107 |  |  | $ | 101 |  |  | $ | 944 |  |  | $ | 318 |  |  | $ | 31,088 |
|  | December 31, 2023
|  | Term Loan by Origination Year |  | Revolving Loans |  | Total
|  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |
|  | (Dollars in thousands)
CRE loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 623,058 |  |  | $ | 2,429,146 |  |  | $ | 2,045,863 |  |  | $ | 1,239,654 |  |  | $ | 996,483 |  |  | $ | 1,297,295 |  |  | $ | 79,426 |  |  | $ | 8,710,925 |
Special mention |  | — |  |  | 2,001 |  |  | 15,452 |  |  | 2,518 |  |  | 5,963 |  |  | 5,196 |  |  | — |  |  | 31,130 |
Substandard |  | — |  |  | 1,549 |  |  | 7,300 |  |  | 2,711 |  |  | 2,083 |  |  | 42,186 |  |  | — |  |  | 55,829 |
Subtotal |  | $ | 623,058 |  |  | $ | 2,432,696 |  |  | $ | 2,068,615 |  |  | $ | 1,244,883 |  |  | $ | 1,004,529 |  |  | $ | 1,344,677 |  |  | $ | 79,426 |  |  | $ | 8,797,884 |
Year-to-date gross charge offs |  | $ | 103 |  |  | $ | 315 |  |  | $ | — |  |  | $ | 233 |  |  | $ | 355 |  |  | $ | 1,941 |  |  | $ | — |  |  | $ | 2,947 |
C&I loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,107,219 |  |  | $ | 1,208,795 |  |  | $ | 683,821 |  |  | $ | 203,142 |  |  | $ | 162,815 |  |  | $ | 61,019 |  |  | $ | 479,266 |  |  | $ | 3,906,077 |
Special mention |  | 9,743 |  |  | 23,413 |  |  | 31,388 |  |  | 8,597 |  |  | 14,614 |  |  | — |  |  | 60,107 |  |  | 147,862 |
Substandard |  | 7,158 |  |  | 53,213 |  |  | 8,480 |  |  | 8,637 |  |  | 290 |  |  | 2,358 |  |  | 969 |  |  | 81,105 |
Subtotal |  | $ | 1,124,120 |  |  | $ | 1,285,421 |  |  | $ | 723,689 |  |  | $ | 220,376 |  |  | $ | 177,719 |  |  | $ | 63,377 |  |  | $ | 540,342 |  |  | $ | 4,135,044 |
Year-to-date gross charge offs |  | $ | 5,011 |  |  | $ | 12,323 |  |  | $ | 16,020 |  |  | $ | 128 |  |  | $ | 182 |  |  | $ | 539 |  |  | $ | — |  |  | $ | 34,203 |
Residential mortgage loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 93,982 |  |  | $ | 365,252 |  |  | $ | 263,977 |  |  | $ | 1,356 |  |  | $ | 29,063 |  |  | $ | 123,885 |  |  | $ | — |  |  | $ | 877,515 |
Special mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | — |  |  | — |  |  | 314 |  |  | 1,836 |  |  | 957 |  |  | 3,065 |  |  | — |  |  | 6,172 |
Subtotal |  | $ | 93,982 |  |  | $ | 365,252 |  |  | $ | 264,291 |  |  | $ | 3,192 |  |  | $ | 30,020 |  |  | $ | 126,950 |  |  | $ | — |  |  | $ | 883,687 |
Year-to-date gross charge offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 3,985 |  |  | $ | 944 |  |  | $ | 278 |  |  | $ | 2,068 |  |  | $ | 371 |  |  | $ | 8,221 |  |  | $ | 20,794 |  |  | $ | 36,661 |
Special mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 343 |  |  | — |  |  | 343 |
Subtotal |  | $ | 3,985 |  |  | $ | 944 |  |  | $ | 278 |  |  | $ | 2,068 |  |  | $ | 371 |  |  | $ | 8,564 |  |  | $ | 20,794 |  |  | $ | 37,004 |
Year-to-date gross charge offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 370 |  |  | $ | 370 |
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,828,244 |  |  | $ | 4,004,137 |  |  | $ | 2,993,939 |  |  | $ | 1,446,220 |  |  | $ | 1,188,732 |  |  | $ | 1,490,420 |  |  | $ | 579,486 |  |  | $ | 13,531,178 |
Special mention |  | 9,743 |  |  | 25,414 |  |  | 46,840 |  |  | 11,115 |  |  | 20,577 |  |  | 5,196 |  |  | 60,107 |  |  | 178,992 |
Substandard |  | 7,158 |  |  | 54,762 |  |  | 16,094 |  |  | 13,184 |  |  | 3,330 |  |  | 47,952 |  |  | 969 |  |  | 143,449 |
Total |  | $ | 1,845,145 |  |  | $ | 4,084,313 |  |  | $ | 3,056,873 |  |  | $ | 1,470,519 |  |  | $ | 1,212,639 |  |  | $ | 1,543,568 |  |  | $ | 640,562 |  |  | $ | 13,853,619 |
Total year-to-date gross charge offs |  | $ | 5,114 |  |  | $ | 12,638 |  |  | $ | 16,020 |  |  | $ | 361 |  |  | $ | 537 |  |  | $ | 2,480 |  |  | $ | 370 |  |  | $ | 37,520 |
For the years ended December 31, 2024 and 2023, there were no revolving loans converted to term loans.
Loans Sold From Loans Held For Investment | The breakdown of loans by segment that were reclassified from held for investment to held for sale for the years ended December 31, 2024, 2023, and 2022 are presented in the following table:
| Year Ended December 31,
| 2024 |  | 2023 |  | 2022
Transfer of loans held for investment to held for sale | (Dollars in thousands)
CRE loans | $ | 154,451 |  |  | $ | 114,186 |  |  | $ | 257,317 |
C&I loans | 101,007 |  |  | 307,209 |  |  | 54,218 |
Total | $ | 255,458 |  |  | $ | 421,395 |  |  | $ | 311,535 |
Troubled Debt Restructurings | A summary of loans modified to borrowers experiencing financial difficulty for the periods presented, disaggregated by loan class and type of modification, is shown in the tables below:
| Year Ended December 31, 2024
| CRE Loans |  | C&I Loans |  | Residential Mortgage Loans |  | Consumer and Other Loans |  | Total
| (Dollars in thousands)
Principal forgiveness | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Interest rate reduction | — |  |  | — |  |  | — |  |  | — |  |  | — |
Payment delay | — |  |  | 21,136 |  |  | — |  |  | — |  |  | 21,136 |
Term extension | — |  |  | 50,148 |  |  | — |  |  | — |  |  | 50,148 |
Total Loan Modifications | $ | — |  |  | $ | 71,284 |  |  | $ | — |  |  | $ | — |  |  | $ | 71,284 |
% of Loan Class | — | % |  | 1.80 | % |  | — | % |  | — | % |  | 0.52 | %
| Year Ended December 31, 2023
| CRE Loans |  | C&I Loans |  | Residential Mortgage Loans |  | Consumer and Other Loans |  | Total
| (Dollars in thousands)
Principal forgiveness | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Interest rate reduction | — |  |  | — |  |  | — |  |  | — |  |  | — |
Payment delay | — |  |  | — |  |  | — |  |  | — |  |  | — |
Term extension | 1,111 |  |  | 27,032 |  |  | — |  |  | — |  |  | 28,143 |
Total Loan Modifications | $ | 1,111 |  |  | $ | 27,032 |  |  | $ | — |  |  | $ | — |  |  | $ | 28,143 |
% of Loan Class | 0.01 | % |  | 0.65 | % |  | — | % |  | — | % |  | 0.20 | %
interest income reversal, nonaccrual, by loan segment | The following table presents interest income reversals, due to loans being placed on nonaccrual status, by loan segment for the years ended December 31, 2024, 2023, and 2022:
| Year Ended December 31,
| 2024 |  | 2023 |  | 2022
| (Dollars in thousands)
CRE loans | $ | 2,150 |  |  | $ | 1,761 |  |  | $ | 1,906 |
C&I loans | 3,655 |  |  | 1,127 |  |  | 307 |
Residential mortgage loans | 10 |  |  | 40 |  |  | 309 |
Consumer and other loans | — |  |  | — |  |  | 1 |
Total | $ | 5,815 |  |  | $ | 2,928 |  |  | $ | 2,523 |

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