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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, 2025 | Mar. 31, 2024 | Dec. 31, 2024
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | $ 88,751 |  |
Provision (recovery) for credit losses | 9,626 | $ 5,210 |
Allowance for credit losses, Ending balance | 90,455 |  | $ 88,751
Non-accrual with No Allowance | 35,286 |  | 21,652
Non-accrual with Allowance | 22,755 |  | 27,827
Reserve | 16,610 |  | 16,585
Interest income on non-accrual loans held for investment |  |  |
Interest income on non-accrual loans | 0 | 0 |
Business Loans |  |  |
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | 42,898 | 35,962 | 35,962
Provision (recovery) for credit losses | 931 | 734 |
Charge-offs | (176) | (796) | (8,051)
Recoveries | 262 | 81 |
Allowance for credit losses, Ending balance | 43,915 | 35,981 | 42,898
Non-accrual with No Allowance | 3,624 |  | 5,196
Non-accrual with Allowance | 18,320 |  | 17,428
Reserve | 16,297 |  | 15,810
One-to-Four Family Residential and Cooperative/Condominium Apartment |  |  |
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | 9,501 | 6,813 | 6,813
Provision (recovery) for credit losses | 288 | 160 |
Charge-offs | (44) |  |
Allowance for credit losses, Ending balance | 9,745 | 6,973 | 9,501
Non-accrual with Allowance | 3,763 |  | 3,213
Reserve | 37 |  | 31
Multifamily Residential and Residential Mixed-Use |  |  |
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | 11,946 | 7,237 | 7,237
Provision (recovery) for credit losses | 1,141 | 3,934 |
Charge-offs |  |  | (4,677)
Allowance for credit losses, Ending balance | 13,087 | 11,171 | 11,946
Non-Owner-Occupied Commercial Real Estate |  |  |
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | 21,876 | 19,623 | 19,623
Provision (recovery) for credit losses | 6,281 | (178) |
Charge-offs | (7,082) |  | (6,926)
Allowance for credit losses, Ending balance | 21,075 | 19,445 | 21,876
Non-accrual with No Allowance | 31,662 |  | 16,456
Non-accrual with Allowance | 15 |  | 6,504
Reserve | 15 |  | 432
Acquisition, development, and construction ("ADC") |  |  |
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | 2,323 | 1,989 | 1,989
Provision (recovery) for credit losses | 37 | 333 |
Allowance for credit losses, Ending balance | 2,360 | 2,322 | 2,323
Non-accrual with Allowance | 657 |  | 657
Reserve | 261 |  | 287
Other Loans |  |  |
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | 207 | 119 | 119
Provision (recovery) for credit losses | 84 | 81 |
Charge-offs | (35) | (30) |
Recoveries | 17 | 6 |
Allowance for credit losses, Ending balance | 273 | 176 | 207
Non-accrual with Allowance |  |  | 25
Reserve |  |  | 25
Total (includes other loans) |  |  |
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | 88,751 | 71,743 | 71,743
Provision (recovery) for credit losses | 8,762 | 5,064 |
Charge-offs | (7,337) | (826) |
Recoveries | 279 | 87 |
Allowance for credit losses, Ending balance | $ 90,455 | $ 76,068 | $ 88,751

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