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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, 2024 | Sep. 30, 2023 | Sep. 30, 2024 | Sep. 30, 2023 | Dec. 31, 2023
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  | $ 71,743 |  |
Provision (recovery) for credit losses | $ 11,603 | $ 1,806 | 22,398 | $ (950) |
Allowance for credit losses, Ending balance | 85,221 |  | 85,221 |  | $ 71,743
Non-accrual with No Allowance | 24,265 |  | 24,265 |  | 3,780
Non-accrual with Allowance | 25,198 |  | 25,198 |  | 25,319
Reserve | 20,027 |  | 20,027 |  | 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 | 37,115 | 39,700 | 35,962 | 47,029 | 47,029
Provision (recovery) for credit losses | 10,710 | 1,822 | 13,656 | (328) |
Charge-offs | (3,090) | (5,147) | (5,065) | (10,921) | (15,364)
Recoveries | 291 | 305 | 473 | 900 |
Allowance for credit losses, Ending balance | 45,026 | 36,680 | 45,026 | 36,680 | 35,962
Non-accrual with No Allowance | 4,771 |  | 4,771 |  | 1,482
Non-accrual with Allowance | 20,640 |  | 20,640 |  | 13,185
Reserve | 19,683 |  | 19,683 |  | 12,932
One-to-Four Family Residential and Cooperative/Condominium Apartment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 7,305 | 6,419 | 6,813 | 5,969 | 5,969
Provision (recovery) for credit losses | 1,341 | 787 | 1,833 | 1,251 |
Charge-offs |  |  |  | (14) | (14)
Allowance for credit losses, Ending balance | 8,646 | 7,206 | 8,646 | 7,206 | 6,813
Non-accrual with Allowance | 3,880 |  | 3,880 |  | 3,248
Reserve | 36 |  | 36 |  | 133
Multifamily Residential and Residential Mixed-Use |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 12,357 | 8,190 | 7,237 | 8,360 | 8,360
Provision (recovery) for credit losses | 1,439 | (621) | 9,110 | (791) |
Charge-offs | (1,294) | (2) | (3,845) | (2) | (2)
Recoveries | 1 |  | 1 |  |
Allowance for credit losses, Ending balance | 12,503 | 7,567 | 12,503 | 7,567 | 7,237
Non-Owner-Occupied Commercial Real Estate |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 18,340 | 18,440 | 19,623 | 20,153 | 20,153
Provision (recovery) for credit losses | (1,942) | (10) | (3,225) | (1,723) |
Charge-offs | (96) |  | (96) |  |
Allowance for credit losses, Ending balance | 16,302 | 18,430 | 16,302 | 18,430 | 19,623
Non-accrual with No Allowance | 19,494 |  | 19,494 |  | 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 | 2,455 | 2,558 | 1,989 | 1,723 | 1,723
Provision (recovery) for credit losses | 66 | (220) | 532 | 615 |
Allowance for credit losses, Ending balance | 2,521 | 2,338 | 2,521 | 2,338 | 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 | 240 | 339 | 119 | 273 | 273
Provision (recovery) for credit losses | (6) | 23 | 150 | 116 |
Charge-offs | (14) | (26) | (59) | (60) |
Recoveries | 3 | 6 | 13 | 13 |
Allowance for credit losses, Ending balance | 223 | 342 | 223 | 342 | 119
Non-accrual with Allowance | 6 |  | 6 |  |
Reserve | 6 |  | 6 |  |
Total (includes other loans) |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 77,812 | 75,646 | 71,743 | 83,507 | 83,507
Provision (recovery) for credit losses | 11,608 | 1,781 | 22,056 | (860) |
Charge-offs | (4,494) | (5,175) | (9,065) | (10,997) |
Recoveries | 295 | 311 | 487 | 913 |
Allowance for credit losses, Ending balance | $ 85,221 | $ 72,563 | $ 85,221 | $ 72,563 | $ 71,743

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