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LOANS HELD FOR INVESTMENT, NET - Allowance for Credit Losses Activity (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2024 | Mar. 31, 2023 | Dec. 31, 2023
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | $ 71,743 |  |
Provision (recovery) for credit losses | 5,210 | $ (3,648) |
Allowance for credit losses, Ending balance | 76,068 |  | $ 71,743
Non-accrual with No Allowance | 15,563 |  | 3,780
Non-accrual with Allowance | 19,264 |  | 25,319
Reserve | 13,247 |  | 14,202
Interest income on non-accrual loans held for investment |  |  |
Interest income on non-accrual loans | 0 | 0 |
Business loans |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 35,962 | 47,029 | 47,029
Provision (recovery) for credit losses | 734 | (1,608) |
Charge-offs | (796) | (2,029) | (15,364)
Recoveries | 81 | 487 |
Allowance for credit losses, Ending balance | 35,981 | 43,879 | 35,962
Non-accrual with No Allowance | 3,310 |  | 3,780
Non-accrual with Allowance | 14,903 |  | 14,794
Reserve | 12,800 |  | 13,127
One-to-four family residential and cooperative/condominium apartment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 6,813 | 5,969 | 5,969
Provision (recovery) for credit losses | 160 | 43 |
Charge-offs |  |  | (14)
Allowance for credit losses, Ending balance | 6,973 | 6,012 | 6,813
Non-accrual with Allowance | 3,689 |  | 3,248
Reserve | 145 |  | 133
Multifamily residential and residential mixed-use |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 7,237 | 8,360 | 8,360
Provision (recovery) for credit losses | 3,934 | (747) |
Charge-offs |  |  | (2)
Allowance for credit losses, Ending balance | 11,171 | 7,613 | 7,237
Non-owner-occupied commercial real estate |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 19,623 | 20,153 | 20,153
Provision (recovery) for credit losses | (178) | (2,077) |
Allowance for credit losses, Ending balance | 19,445 | 18,076 | 19,623
Non-accrual with Allowance | 15 |  | 6,620
Reserve | 15 |  | 636
Acquisition, development, and construction ("ADC") |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 1,989 | 1,723 | 1,723
Provision (recovery) for credit losses | 333 | 792 |
Allowance for credit losses, Ending balance | 2,322 | 2,515 | 1,989
Non-accrual with No Allowance | 12,253 |  |
Non-accrual with Allowance | 657 |  | 657
Reserve | 287 |  | 305
Other Loans |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 119 | 273 | 273
Provision (recovery) for credit losses | 81 | (34) |
Charge-offs | (30) | (1) |
Recoveries | 6 | 2 |
Allowance for credit losses, Ending balance | 176 | 240 | 119
Includes other loans |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 71,743 | 83,507 | 83,507
Provision (recovery) for credit losses | 5,064 | (3,631) |
Charge-offs | (826) | (2,030) |
Recoveries | 87 | 489 |
Allowance for credit losses, Ending balance | $ 76,068 | $ 78,335 | $ 71,743

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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1 + Details
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