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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, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024 | Dec. 31, 2024
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  | $ 88,751 |  |
Provision (recovery) for credit losses | $ 9,221 | $ 5,585 | 18,847 | $ 10,795 |
Allowance for credit losses, Ending balance | 93,189 |  | 93,189 |  | $ 88,751
Non-accrual with No Allowance | 36,562 |  | 36,562 |  | 21,652
Non-accrual with Allowance | 16,652 |  | 16,652 |  | 27,827
Reserve | 12,239 |  | 12,239 |  | 16,585
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 | 43,915 | 35,981 | 42,898 | 35,962 | 35,962
Provision (recovery) for credit losses | 4,034 | 2,212 | 4,965 | 2,946 |
Charge-offs | (5,057) | (1,179) | (5,233) | (1,975) | (8,051)
Recoveries | 73 | 101 | 335 | 182 |
Allowance for credit losses, Ending balance | 42,965 | 37,115 | 42,965 | 37,115 | 42,898
Non-accrual with No Allowance | 3,669 |  | 3,669 |  | 5,196
Non-accrual with Allowance | 14,338 |  | 14,338 |  | 17,428
Reserve | 11,947 |  | 11,947 |  | 15,810
One-to-Four Family Residential and Cooperative/Condominium Apartment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 9,745 | 6,973 | 9,501 | 6,813 | 6,813
Provision (recovery) for credit losses | (178) | 332 | 110 | 492 |
Charge-offs |  |  | (44) |  |
Allowance for credit losses, Ending balance | 9,567 | 7,305 | 9,567 | 7,305 | 9,501
Non-accrual with Allowance | 1,642 |  | 1,642 |  | 3,213
Reserve | 16 |  | 16 |  | 31
Multifamily Residential and Residential Mixed-Use |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 13,087 | 11,171 | 11,946 | 7,237 | 7,237
Provision (recovery) for credit losses | 579 | 3,737 | 1,720 | 7,671 |
Charge-offs |  | (2,551) |  | (2,551) | (4,677)
Recoveries | 1 |  | 1 |  |
Allowance for credit losses, Ending balance | 13,667 | 12,357 | 13,667 | 12,357 | 11,946
Non-Owner-Occupied Commercial Real Estate |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 21,075 | 19,445 | 21,876 | 19,623 | 19,623
Provision (recovery) for credit losses | 3,667 | (1,105) | 9,948 | (1,283) |
Charge-offs | (416) |  | (7,498) |  | (6,926)
Allowance for credit losses, Ending balance | 24,326 | 18,340 | 24,326 | 18,340 | 21,876
Non-accrual with No Allowance | 32,893 |  | 32,893 |  | 16,456
Non-accrual with Allowance | 15 |  | 15 |  | 6,504
Reserve | 15 |  | 15 |  | 432
Acquisition, development, and construction ("ADC") |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 2,360 | 2,322 | 2,323 | 1,989 | 1,989
Provision (recovery) for credit losses | 20 | 133 | 57 | 466 |
Allowance for credit losses, Ending balance | 2,380 | 2,455 | 2,380 | 2,455 | 2,323
Non-accrual with Allowance | 657 |  | 657 |  | 657
Reserve | 261 |  | 261 |  | 287
Other Loans |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 273 | 176 | 207 | 119 | 119
Provision (recovery) for credit losses | 17 | 75 | 101 | 156 |
Charge-offs | (9) | (15) | (44) | (45) |
Recoveries | 3 | 4 | 20 | 10 |
Allowance for credit losses, Ending balance | 284 | 240 | 284 | 240 | 207
Non-accrual with Allowance |  |  |  |  | 25
Reserve |  |  |  |  | 25
Total (includes other loans) |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Allowance for credit losses, Beginning balance | 90,455 | 76,068 | 88,751 | 71,743 | 71,743
Provision (recovery) for credit losses | 8,139 | 5,384 | 16,901 | 10,448 |
Charge-offs | (5,482) | (3,745) | (12,819) | (4,571) |
Recoveries | 77 | 105 | 356 | 192 |
Allowance for credit losses, Ending balance | $ 93,189 | $ 77,812 | $ 93,189 | $ 77,812 | $ 88,751

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