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LOANS HELD FOR INVESTMENT, NET - Allowance for Credit Losses Activity (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2023 | Sep. 30, 2022 | Sep. 30, 2023 | Sep. 30, 2022 | Dec. 31, 2022
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  | $ 83,507 |  |
(Recovery) provision for credit losses | $ 1,806 | $ 6,587 | (950) | $ 5,039 |
Charge-offs |  |  | (10,937) |  | $ (11,401)
Allowance for credit losses, Ending balance | 72,563 |  | 72,563 |  | 83,507
Non-accrual with No Allowance | 3,809 |  | 3,809 |  | 6,075
Non-accrual with Allowance | 19,511 |  | 19,511 |  | 28,162
Reserve | 14,744 |  | 14,744 |  | 22,389
Interest income on non-accrual loans held for investment |  |  |  |  |
Interest income on non-accrual loans | 0 | 0 | 0 | 0 |
Business loans |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance | 39,700 | 45,128 | 47,029 | 62,366 | 62,366
(Recovery) provision for credit losses | 1,822 | 3,246 | (328) | (10,799) |
Charge-offs | (5,147) | (5,462) | (10,921) | (8,742) | (11,401)
Recoveries | 305 | 1,580 | 900 | 1,667 |
Allowance for credit losses, Ending balance | 36,680 | 44,492 | 36,680 | 44,492 | 47,029
Non-accrual with No Allowance | 3,809 |  | 3,809 |  | 5,403
Non-accrual with Allowance | 15,746 |  | 15,746 |  | 22,384
Reserve | 14,065 |  | 14,065 |  | 20,812
One-to-four family residential and cooperative/condominium apartment |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance | 6,419 | 4,514 | 5,969 | 5,932 | 5,932
(Recovery) provision for credit losses | 787 | 544 | 1,251 | (874) |
Charge-offs |  |  | (14) |  |
Allowance for credit losses, Ending balance | 7,206 | 5,058 | 7,206 | 5,058 | 5,969
Non-accrual with Allowance | 2,874 |  | 2,874 |  | 3,203
Reserve | 140 |  | 140 |  | 181
Multifamily residential and residential mixed-use |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance | 8,190 | 7,003 | 8,360 | 7,816 | 7,816
(Recovery) provision for credit losses | (621) | 1,051 | (791) | 236 |
Charge-offs | (2) |  | (2) |  |
Recoveries |  |  |  | 2 |
Allowance for credit losses, Ending balance | 7,567 | 8,054 | 7,567 | 8,054 | 8,360
Non-owner-occupied commercial real estate |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance | 18,440 | 18,707 | 20,153 | 2,131 | 2,131
(Recovery) provision for credit losses | (10) | 1,800 | (1,723) | 18,322 |
Recoveries |  |  |  | 54 |
Allowance for credit losses, Ending balance | 18,430 | 20,507 | 18,430 | 20,507 | 20,153
Non-accrual with No Allowance |  |  |  |  | 15
Non-accrual with Allowance | 15 |  | 15 |  | 2,476
Reserve | 15 |  | 15 |  | 1,297
Acquisition, development, and construction ("ADC") |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance | 2,558 | 3,788 |  |  |
(Recovery) provision for credit losses | (220) | (169) |  |  |
Allowance for credit losses, Ending balance | 2,338 | 3,619 | 2,338 | 3,619 |
Non-accrual with No Allowance |  |  |  |  | 657
Non-accrual with Allowance | 657 |  | 657 |  |
Reserve | 305 |  | 305 |  |
Acquisition, development, and construction ("ADC") | Total real estate loans |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  | 1,723 | 4,857 | 4,857
(Recovery) provision for credit losses |  |  | 615 | (1,238) |
Allowance for credit losses, Ending balance | 2,338 | 3,619 | 2,338 | 3,619 | 1,723
Other Loans |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance | 339 | 286 | 273 | 751 | 751
(Recovery) provision for credit losses | 23 | (32) | 116 | (495) |
Charge-offs | (26) | (49) | (60) | (52) |
Recoveries | 6 |  | 13 | 1 |
Allowance for credit losses, Ending balance | 342 | 205 | 342 | 205 | 273
Non-accrual with Allowance | 219 |  | 219 |  | 99
Reserve | 219 |  | 219 |  | 99
Includes other loans |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance | 75,646 | 79,426 | 83,507 | 83,853 | 83,853
(Recovery) provision for credit losses | 1,781 | 6,440 | (860) | 5,152 |
Charge-offs | (5,175) | (5,511) | (10,997) | (8,794) |
Recoveries | 311 | 1,580 | 913 | 1,724 |
Allowance for credit losses, Ending balance | $ 72,563 | $ 81,935 | $ 72,563 | $ 81,935 | $ 83,507

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