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LOANS HELD FOR INVESTMENT, NET - Allowance for Credit Losses Activity (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2023 | Dec. 31, 2022 | Dec. 31, 2021
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | $ 83,507 |  |
Provision for credit losses | 2,770 | $ 5,374 | $ 6,212
Allowance for credit losses, Ending balance | 71,743 | 83,507 |
Non-accrual with No Allowance | 3,780 | 6,075 |
Non-accrual with Allowance | 25,319 | 28,162 |
Reserve | 14,202 | 22,389 |
Total real estate loans |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 43,381 | 47,771 | 28,712
Day 1 acquired PCD loans |  |  | 28,753
Provision for credit losses | (718) | (4,446) | (4,077)
Charge-offs | (16) | (11,401) | (3,817)
Recoveries |  | 56 | 176
Allowance for credit losses, Ending balance | 42,647 | 43,381 | 47,771
Total real estate loans | Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | 1,976
Total real estate loans | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | (26,736)
One-to-four family residential and cooperative/condominium apartment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 5,969 | 5,932 | 644
Day 1 acquired PCD loans |  |  | 2,220
Provision for credit losses | 858 | 37 | 1,975
Charge-offs | (14) |  | (20)
Recoveries |  |  | 65
Allowance for credit losses, Ending balance | 6,813 | 5,969 | 5,932
Non-accrual with Allowance | 3,248 | 3,203 |
Reserve | 133 | 181 |
One-to-four family residential and cooperative/condominium apartment | Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | 1,048
One-to-four family residential and cooperative/condominium apartment | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | (1,692)
Multifamily residential and residential mixed-use |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 8,360 | 7,816 | 17,016
Day 1 acquired PCD loans |  |  | 3,292
Provision for credit losses | (1,121) | 542 | (3,921)
Charge-offs | (2) |  | (391)
Recoveries |  | 2 | 74
Allowance for credit losses, Ending balance | 7,237 | 8,360 | 7,816
Multifamily residential and residential mixed-use | Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | 8,254
Multifamily residential and residential mixed-use | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | (8,762)
Commercial real estate ("CRE") |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 27,329 | 29,166 | 9,059
Day 1 acquired PCD loans |  |  | 23,124
Provision for credit losses | (721) | (1,891) | (4,497)
Charge-offs |  |  | (3,406)
Recoveries |  | 54 | 37
Allowance for credit losses, Ending balance | 26,608 | 27,329 | 29,166
Non-accrual with No Allowance | 2,298 | 4,915 |
Non-accrual with Allowance | 8,229 | 3,417 |
Reserve | 832 | 1,424 |
Commercial real estate ("CRE") | Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | 4,849
Commercial real estate ("CRE") | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | (13,908)
Acquisition, development, and construction ("ADC") |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 1,723 | 4,857 | 1,993
Day 1 acquired PCD loans |  |  | 117
Provision for credit losses | 266 | (3,134) | 2,366
Allowance for credit losses, Ending balance | 1,989 | 1,723 | 4,857
Non-accrual with No Allowance |  | 657 |
Non-accrual with Allowance | 657 |  |
Reserve | 305 |  |
Acquisition, development, and construction ("ADC") | Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | 381
Acquisition, development, and construction ("ADC") | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | (2,374)
Commercial and Industrial ("C&I") Loans |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 39,853 | 35,331 | 12,737
Day 1 acquired PCD loans |  |  | 23,374
Provision for credit losses | 3,464 | 11,786 | 6,016
Charge-offs | (15,364) | (11,401) | (4,984)
Recoveries | 1,024 | 4,137 | 123
Allowance for credit losses, Ending balance | 28,977 | 39,853 | 35,331
Non-accrual with No Allowance | 1,482 | 503 |
Non-accrual with Allowance | 13,185 | 21,443 |
Reserve | 12,932 | 20,685 |
Commercial and Industrial ("C&I") Loans | Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | 1,935
Commercial and Industrial ("C&I") Loans | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | (10,802)
Other Loans |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 273 | 751 | 12
Day 1 acquired PCD loans |  |  | 157
Provision for credit losses | 129 | (430) | 1,364
Charge-offs | (300) | (53) | (777)
Recoveries | 17 | 5 | 3
Allowance for credit losses, Ending balance | 119 | 273 | 751
Non-accrual with Allowance |  | 99 |
Reserve |  | 99 |
Other Loans | Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | 8
Other Loans | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | (4)
Includes other loans |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 83,507 | 83,853 | 41,461
Day 1 acquired PCD loans |  |  | 52,284
Provision for credit losses | 2,875 | 6,910 | 3,303
Charge-offs | (15,680) | (11,454) | (9,578)
Recoveries | 1,041 | 4,198 | 302
Allowance for credit losses, Ending balance | $ 71,743 | $ 83,507 | 83,853
Includes other loans | Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | 3,919
Includes other loans | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance |  |  | $ (37,542)

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