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LOANS HELD FOR INVESTMENT, NET - Allowance for Credit Losses Activity (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2024 | Jun. 30, 2023 | Jun. 30, 2024 | Jun. 30, 2023 | Dec. 31, 2023
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  | $ 71,743 |  |
(Credit) provision for credit losses | $ 5,585 | $ 892 | 10,795 | $ (2,756) |
Allowance for credit losses, Ending balance | 77,812 |  | 77,812 |  | $ 71,743
Non-accrual with No Allowance | 3,776 |  | 3,776 |  | 3,780
Non-accrual with Allowance | 21,067 |  | 21,067 |  | 25,319
Reserve | 14,838 |  | 14,838 |  | 14,202
Interest income on non-accrual loans held for investment |  |  |  |  |
Interest income on non-accrual loans | 0 | 0 | 0 | 0 |
Business Loans |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 35,981 | 43,879 | 35,962 | 47,029 | 47,029
(Credit) provision for credit losses | 2,212 | (542) | 2,946 | (2,150) |
Charge-offs | (1,179) | (3,745) | (1,975) | (5,774) | (15,364)
Recoveries | 101 | 108 | 182 | 595 |
Allowance for credit losses, Ending balance | 37,115 | 39,700 | 37,115 | 39,700 | 35,962
Non-accrual with No Allowance | 3,776 |  | 3,776 |  | 1,482
Non-accrual with Allowance | 16,511 |  | 16,511 |  | 13,185
Reserve | 14,384 |  | 14,384 |  | 12,932
One-to-Four Family Residential and Cooperative/Condominium Apartment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 6,973 | 6,012 | 6,813 | 5,969 | 5,969
(Credit) provision for credit losses | 332 | 421 | 492 | 464 |
Charge-offs |  | (14) |  | (14) | (14)
Allowance for credit losses, Ending balance | 7,305 | 6,419 | 7,305 | 6,419 | 6,813
Non-accrual with Allowance | 3,884 |  | 3,884 |  | 3,248
Reserve | 152 |  | 152 |  | 133
Multifamily Residential and Residential Mixed-Use |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 11,171 | 7,613 | 7,237 | 8,360 | 8,360
(Credit) provision for credit losses | 3,737 | 577 | 7,671 | (170) |
Charge-offs | (2,551) |  | (2,551) |  | (2)
Allowance for credit losses, Ending balance | 12,357 | 8,190 | 12,357 | 8,190 | 7,237
Non-Owner-Occupied Commercial Real Estate |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 19,445 | 18,076 | 19,623 | 20,153 | 20,153
(Credit) provision for credit losses | (1,105) | 364 | (1,283) | (1,713) |
Allowance for credit losses, Ending balance | 18,340 | 18,440 | 18,340 | 18,440 | 19,623
Non-accrual with No Allowance |  |  |  |  | 2,298
Non-accrual with Allowance | 15 |  | 15 |  | 8,229
Reserve | 15 |  | 15 |  | 832
Acquisition, development, and construction ("ADC") |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 2,322 | 2,515 | 1,989 | 1,723 | 1,723
(Credit) provision for credit losses | 133 | 43 | 466 | 835 |
Allowance for credit losses, Ending balance | 2,455 | 2,558 | 2,455 | 2,558 | 1,989
Non-accrual with Allowance | 657 |  | 657 |  | 657
Reserve | 287 |  | 287 |  | 305
Other Loans |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 176 | 240 | 119 | 273 | 273
(Credit) provision for credit losses | 75 | 127 | 156 | 93 |
Charge-offs | (15) | (33) | (45) | (34) |
Recoveries | 4 | 5 | 10 | 7 |
Allowance for credit losses, Ending balance | 240 | 339 | 240 | 339 | 119
Total (includes other loans) |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 76,068 | 78,335 | 71,743 | 83,507 | 83,507
(Credit) provision for credit losses | 5,384 | 990 | 10,448 | (2,641) |
Charge-offs | (3,745) | (3,792) | (4,571) | (5,822) |
Recoveries | 105 | 113 | 192 | 602 |
Allowance for credit losses, Ending balance | $ 77,812 | $ 75,646 | $ 77,812 | $ 75,646 | $ 71,743

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