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Commitments and Contingencies
 3 Months Ended
Mar. 31, 2021
Commitments and Contingencies Disclosure [Abstract]  
Commitments and Contingencies Commitments and Contingencies
In the ordinary course of business, the Bank may enter into various types of transactions that include commitments to extend credit that are not included in its Condensed Consolidated Financial Statements. The Bank applies the same credit standards to these commitments as it uses in all its lending activities and has included these commitments in its lending risk evaluations. The majority of the commitments presented below are variable rate. Loan commitments can be either revolving or non-revolving. The Bank’s exposure to credit and market risk under commitments to extend credit is represented by the amount of these commitments.
The following table presents outstanding commitments to extend credit, including letters of credit, at the dates indicated:
 March 31, 2021December 31, 2020
 (In thousands)
Commercial business:
Commercial and industrial$627,702 $640,018 
Owner-occupied CRE4,494 3,488 
Non-owner occupied CRE14,523 18,396 
Total commercial business646,719 661,902 
Real estate construction and land development:
Residential
60,099 52,453 
Commercial and multifamily
142,432 127,821 
Total real estate construction and land development202,531 180,274 
Consumer269,516 263,249 
Total outstanding commitments$1,118,766 $1,105,425 

Upon CECL adoption, as described in Note (1) Description of Business, Basis of Presentation, Significant Accounting Policies and Recently Issued Accounting Pronouncements, the Bank recorded an increase in the beginning ACL on unfunded commitments of $3.7 million as of January 1, 2020, representing the change in methodology from an estimate of incurred losses
at the balance sheet date, with an estimated probability of funding, to an estimate of credit losses on future utilization over the entire contractual period.
The following table details the activity in the ACL on unfunded commitments during the periods indicated:
Three Months Ended
March 31,
2021		March 31,
2020
(In thousands)
Balance, beginning of period$4,681 $306 
Impact of CECL Adoption— 3,702 
Adjusted balance, beginning of period4,681 4,008 
Reversal of provision for credit losses on unfunded commitments(1,064)(2,018)
Balance, end of period$3,617 $1,990