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LOANS HELD FOR INVESTMENT, NET - Loan Categories (Details) - USD ($) $ in Thousands | Jun. 30, 2025 | Mar. 31, 2025 | Dec. 31, 2024 | Jun. 30, 2024 | Mar. 31, 2024 | Dec. 31, 2023
--- | --- | --- | --- | --- | --- | ---
Loans held for investment, net: |  |  |  |  |  |
Total | $ 10,870,030 |  | $ 10,869,328 |  |  |
Fair value hedge basis point adjustments | 842 |  | 2,615 |  |  |
Total loans, net of fair value hedge basis point adjustments | 10,870,872 |  | 10,871,943 |  |  |
Allowance for credit losses | (93,189) |  | (88,751) |  |  |
Total loans held for investment, net | 10,777,683 |  | 10,783,192 |  |  |
Business Loans |  |  |  |  |  |
Loans held for investment, net: |  |  |  |  |  |
Total | 2,901,948 |  | 2,725,726 |  |  |
Allowance for credit losses | (42,965) | $ (43,915) | (42,898) | $ (37,115) | $ (35,981) | $ (35,962)
One-to-Four Family Residential and Cooperative/Condominium Apartment |  |  |  |  |  |
Loans held for investment, net: |  |  |  |  |  |
Total | 998,446 |  | 951,528 |  |  |
Allowance for credit losses | (9,567) | (9,745) | (9,501) | (7,305) | (6,973) | (6,813)
Multifamily Residential and Residential Mixed-Use |  |  |  |  |  |
Loans held for investment, net: |  |  |  |  |  |
Total | 3,693,425 |  | 3,820,283 |  |  |
Allowance for credit losses | (13,667) | (13,087) | (11,946) | (12,357) | (11,171) | (7,237)
Non-Owner-Occupied Commercial Real Estate |  |  |  |  |  |
Loans held for investment, net: |  |  |  |  |  |
Total | 3,128,120 |  | 3,230,535 |  |  |
Allowance for credit losses | (24,326) | (21,075) | (21,876) | (18,340) | (19,445) | (19,623)
Acquisition, development, and construction ("ADC") |  |  |  |  |  |
Loans held for investment, net: |  |  |  |  |  |
Total | 141,755 |  | 136,172 |  |  |
Allowance for credit losses | (2,380) | (2,360) | (2,323) | (2,455) | (2,322) | (1,989)
Other Loans |  |  |  |  |  |
Loans held for investment, net: |  |  |  |  |  |
Total | 6,336 |  | 5,084 |  |  |
Allowance for credit losses | $ (284) | $ (273) | $ (207) | $ (240) | $ (176) | $ (119)

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