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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Credit Quality Indicator) (Details) | 3 Months Ended | 9 Months Ended |
--- | --- | --- | ---
Sep. 30, 2024 USD ($) | Sep. 30, 2023 loan | Sep. 30, 2024 USD ($) | Sep. 30, 2023 loan | Dec. 31, 2023 USD ($)
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 | $ 1,562,868,000 |  | $ 1,562,868,000 |  | $ 1,957,104,000
2023/2022 | 1,487,189,000 |  | 1,487,189,000 |  | 1,839,749,000
2022/2021 | 1,396,026,000 |  | 1,396,026,000 |  | 698,518,000
2021/2020 | 486,496,000 |  | 486,496,000 |  | 188,086,000
2020/2019 | 175,837,000 |  | 175,837,000 |  | 261,384,000
2019/2018 & Prior | 273,600,000 |  | 273,600,000 |  | 199,491,000
Revolving | 531,495,000 |  | 531,495,000 |  | 497,680,000
Total loans | 5,913,511,000 |  | 5,913,511,000 |  | 5,642,012,000
Number of TDR loans during the period | loan |  | 0 |  | 0 |
Financing receivable, modified in period, not in compliance with terms, amount |  |  | 11,700,000 |  |
Lend to borrowers | 0 |  | 0 |  |
Past Due |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 47,953,000 |  | 47,953,000 |  | 52,548,000
Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 5,865,558,000 |  | 5,865,558,000 |  | 5,589,464,000
Real Estate |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 4,829,673,000 |  | 4,829,673,000 |  | 4,573,463,000
Commercial & industrial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 | 196,924,000 |  | 196,924,000 |  | 186,089,000
2023/2022 | 122,556,000 |  | 122,556,000 |  | 286,277,000
2022/2021 | 176,526,000 |  | 176,526,000 |  | 98,753,000
2021/2020 | 72,050,000 |  | 72,050,000 |  | 26,023,000
2020/2019 | 15,931,000 |  | 15,931,000 |  | 14,390,000
2019/2018 & Prior | 10,441,000 |  | 10,441,000 |  | 5,904,000
Revolving | 475,248,000 |  | 475,248,000 |  | 434,027,000
Total loans | $ 1,069,676,000 |  | $ 1,069,676,000 |  | 1,051,463,000
Weighted Average Interest Rate Reduction | 0.00% |  | 2.90% |  |
Commercial & industrial | Minimum |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Term Extension |  |  | 11 months |  |
Commercial & industrial | Maximum |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Term Extension |  |  | 12 months |  |
Commercial & industrial | Past Due |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | $ 15,686,000 |  | $ 15,686,000 |  | 6,973,000
Commercial & industrial | Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 1,053,990,000 |  | 1,053,990,000 |  | 1,044,490,000
Consumer |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2019/2018 & Prior | 14,162,000 |  | 14,162,000 |  | 17,086,000
Total loans | 14,162,000 |  | 14,162,000 |  | 17,086,000
Consumer | Past Due |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2019/2018 & Prior | 224,000 |  | 224,000 |  | 24,000
Total loans | 224,000 |  | 224,000 |  | 24,000
Consumer | Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2019/2018 & Prior | 13,938,000 |  | 13,938,000 |  | 17,062,000
Total loans | 13,938,000 |  | 13,938,000 |  | 17,062,000
Commercial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 | 1,207,183,000 |  | 1,207,183,000 |  | 1,525,373,000
2023/2022 | 1,218,106,000 |  | 1,218,106,000 |  | 1,348,371,000
2022/2021 | 1,073,044,000 |  | 1,073,044,000 |  | 527,058,000
2021/2020 | 332,625,000 |  | 332,625,000 |  | 128,624,000
2020/2019 | 127,205,000 |  | 127,205,000 |  | 200,304,000
2019/2018 & Prior | 188,619,000 |  | 188,619,000 |  | 83,309,000
Revolving | 25,908,000 |  | 25,908,000 |  | 44,672,000
Total loans | 4,172,690,000 |  | 4,172,690,000 |  | 3,857,711,000
Commercial | Commercial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 24,000,000.0 |  | 24,000,000.0 |  | 41,000,000.0
Commercial | Real Estate |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 4,172,690,000 |  | 4,172,690,000 |  | 3,857,711,000
Commercial | Real Estate | Past Due |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 28,882,000 |  | 28,882,000 |  | 24,000,000
Commercial | Real Estate | Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 4,143,808,000 |  | 4,143,808,000 |  | 3,833,711,000
Construction |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 | 57,323,000 |  | 57,323,000 |  | 84,881,000
2023/2022 | 53,558,000 |  | 53,558,000 |  | 56,065,000
2022/2021 | 38,386,000 |  | 38,386,000 |  |
Revolving | 27,010,000 |  | 27,010,000 |  | 12,566,000
Total loans | 176,277,000 |  | 176,277,000 |  | 153,512,000
Construction | Real Estate |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 176,277,000 |  | 176,277,000 |  | 153,512,000
Construction | Real Estate | Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 176,277,000 |  | 176,277,000 |  | 153,512,000
Multi-family |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 | 101,438,000 |  | 101,438,000 |  | 115,761,000
2023/2022 | 47,969,000 |  | 47,969,000 |  | 144,955,000
2022/2021 | 104,577,000 |  | 104,577,000 |  | 72,707,000
2021/2020 | 81,821,000 |  | 81,821,000 |  | 23,655,000
2020/2019 | 23,123,000 |  | 23,123,000 |  | 34,533,000
2019/2018 & Prior | 26,867,000 |  | 26,867,000 |  | 69,510,000
Revolving | 3,329,000 |  | 3,329,000 |  | 6,415,000
Total loans | 389,124,000 |  | 389,124,000 |  | 467,536,000
Multi-family | Multi-family |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 51,200,000 |  | 51,200,000 |  | 20,900,000
Multi-family | Real Estate |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 389,124,000 |  | $ 389,124,000 |  | 467,536,000
Weighted Average Interest Rate Reduction |  |  | 4.10% |  |
Multi-family | Real Estate | Minimum |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Term Extension |  |  | 6 months |  |
Multi-family | Real Estate | Maximum |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Term Extension |  |  | 12 months |  |
Multi-family | Real Estate | Past Due |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans |  |  |  |  | 20,939,000
Multi-family | Real Estate | Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 389,124,000 |  | $ 389,124,000 |  | 446,597,000
One-to-four-family |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 |  |  |  |  | 45,000,000
2023/2022 | 45,000,000 |  | 45,000,000 |  | 4,081,000
2022/2021 | 3,493,000 |  | 3,493,000 |  |
2021/2020 |  |  |  |  | 9,784,000
2020/2019 | 9,578,000 |  | 9,578,000 |  | 12,157,000
2019/2018 & Prior | 33,511,000 |  | 33,511,000 |  | 23,682,000
Total loans | 91,582,000 |  | 91,582,000 |  | 94,704,000
One-to-four-family | Past Due |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2019/2018 & Prior | 3,161,000 |  | 3,161,000 |  |
Total loans | 3,161,000 |  | 3,161,000 |  |
One-to-four-family | Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 |  |  |  |  | 45,000,000
2023/2022 | 45,000,000 |  | 45,000,000 |  | 4,081,000
2022/2021 | 3,493,000 |  | 3,493,000 |  |
2021/2020 |  |  |  |  | 9,784,000
2020/2019 | 9,578,000 |  | 9,578,000 |  | 12,157,000
2019/2018 & Prior | 30,350,000 |  | 30,350,000 |  | 23,682,000
Total loans | 88,421,000 |  | 88,421,000 |  | 94,704,000
One-to-four-family | Real Estate |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 91,582,000 |  | 91,582,000 |  | 94,704,000
One-to-four-family | Real Estate | Past Due |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 3,161,000 |  | 3,161,000 |  | 612,000
One-to-four-family | Real Estate | Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 88,421,000 |  | 88,421,000 |  | 94,092,000
Charge-offs |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2022/2021 |  |  |  |  | 915,000
2019/2018 & Prior | 140,000 |  | 140,000 |  | 304,000
Total loans | 140,000 |  | 140,000 |  | 1,219,000
Charge-offs | Commercial & industrial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2022/2021 |  |  |  |  | 915,000
2019/2018 & Prior |  |  |  |  | 31,000
Total loans |  |  |  |  | 946,000
Charge-offs | Consumer |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2019/2018 & Prior |  |  |  |  | 273,000
Total loans |  |  |  |  | 273,000
Pass/Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 | 1,515,329,000 |  | 1,515,329,000 |  | 1,925,329,000
2023/2022 | 1,479,546,000 |  | 1,479,546,000 |  | 1,695,707,000
2022/2021 | 1,306,439,000 |  | 1,306,439,000 |  | 663,018,000
2021/2020 | 446,528,000 |  | 446,528,000 |  | 185,702,000
2020/2019 | 175,837,000 |  | 175,837,000 |  | 261,384,000
2019/2018 & Prior | 257,804,000 |  | 257,804,000 |  | 199,467,000
Revolving | 516,810,000 |  | 516,810,000 |  | 465,900,000
Total loans | 5,698,293,000 |  | 5,698,293,000 |  | 5,396,507,000
Pass/Current | Commercial & industrial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 | 196,924,000 |  | 196,924,000 |  | 178,814,000
2023/2022 | 114,913,000 |  | 114,913,000 |  | 252,359,000
2022/2021 | 146,239,000 |  | 146,239,000 |  | 98,753,000
2021/2020 | 67,353,000 |  | 67,353,000 |  | 23,943,000
2020/2019 | 15,931,000 |  | 15,931,000 |  | 14,390,000
2019/2018 & Prior | 10,441,000 |  | 10,441,000 |  | 5,904,000
Revolving | 460,563,000 |  | 460,563,000 |  | 402,247,000
Total loans | 1,012,364,000 |  | 1,012,364,000 |  | 976,410,000
Pass/Current | Commercial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 | 1,159,644,000 |  | 1,159,644,000 |  | 1,500,873,000
2023/2022 | 1,218,106,000 |  | 1,218,106,000 |  | 1,268,550,000
2022/2021 | 1,044,044,000 |  | 1,044,044,000 |  | 512,497,000
2021/2020 | 318,293,000 |  | 318,293,000 |  | 128,320,000
2020/2019 | 127,205,000 |  | 127,205,000 |  | 200,304,000
2019/2018 & Prior | 176,208,000 |  | 176,208,000 |  | 83,309,000
Revolving | 25,908,000 |  | 25,908,000 |  | 44,672,000
Total loans | 4,069,408,000 |  | 4,069,408,000 |  | 3,738,525,000
Pass/Current | Construction |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 | 57,323,000 |  | 57,323,000 |  | 84,881,000
2023/2022 | 53,558,000 |  | 53,558,000 |  | 56,065,000
2022/2021 | 38,386,000 |  | 38,386,000 |  |
Revolving | 27,010,000 |  | 27,010,000 |  | 12,566,000
Total loans | 176,277,000 |  | 176,277,000 |  | 153,512,000
Pass/Current | Multi-family |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 | 101,438,000 |  | 101,438,000 |  | 115,761,000
2023/2022 | 47,969,000 |  | 47,969,000 |  | 114,652,000
2022/2021 | 74,277,000 |  | 74,277,000 |  | 51,768,000
2021/2020 | 60,882,000 |  | 60,882,000 |  | 23,655,000
2020/2019 | 23,123,000 |  | 23,123,000 |  | 34,533,000
2019/2018 & Prior | 26,867,000 |  | 26,867,000 |  | 69,510,000
Revolving | 3,329,000 |  | 3,329,000 |  | 6,415,000
Total loans | 337,885,000 |  | 337,885,000 |  | 416,294,000
Special Mention |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 | 47,539,000 |  | 47,539,000 |  | 28,340,000
2023/2022 |  |  |  |  | 103,088,000
2022/2021 | 14,319,000 |  | 14,319,000 |  | 14,561,000
2021/2020 | 14,332,000 |  | 14,332,000 |  | 2,384,000
2019/2018 & Prior | 12,411,000 |  | 12,411,000 |  |
Revolving | 1,500,000 |  | 1,500,000 |  | 28,281,000
Total loans | 90,101,000 |  | 90,101,000 |  | 176,654,000
Special Mention | Commercial & industrial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 |  |  |  |  | 3,840,000
2023/2022 |  |  |  |  | 33,918,000
2022/2021 | 9,319,000 |  | 9,319,000 |  |
2021/2020 |  |  |  |  | 2,080,000
Revolving | 1,500,000 |  | 1,500,000 |  | 28,281,000
Total loans | 10,819,000 |  | 10,819,000 |  | 68,119,000
Special Mention | Commercial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 | 47,539,000 |  | 47,539,000 |  | 24,500,000
2023/2022 |  |  |  |  | 38,867,000
2022/2021 | 5,000,000 |  | 5,000,000 |  | 14,561,000
2021/2020 | 14,332,000 |  | 14,332,000 |  | 304,000
2019/2018 & Prior | 12,411,000 |  | 12,411,000 |  |
Total loans | 79,282,000 |  | 79,282,000 |  | 78,232,000
Special Mention | Multi-family |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2023/2022 |  |  |  |  | 30,303,000
Total loans |  |  |  |  | 30,303,000
Substandard/Past due |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 |  |  |  |  | 3,435,000
2023/2022 | 7,643,000 |  | 7,643,000 |  | 40,954,000
2022/2021 | 75,268,000 |  | 75,268,000 |  | 20,939,000
2021/2020 | 25,636,000 |  | 25,636,000 |  |
2019/2018 & Prior | 3,385,000 |  | 3,385,000 |  | 24,000
Revolving | 13,185,000 |  | 13,185,000 |  | 3,499,000
Total loans | 125,117,000 |  | 125,117,000 |  | 68,851,000
Substandard/Past due | Commercial & industrial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 |  |  |  |  | 3,435,000
2023/2022 | 7,643,000 |  | 7,643,000 |  |
2022/2021 | 20,968,000 |  | 20,968,000 |  |
2021/2020 | 4,697,000 |  | 4,697,000 |  |
Revolving | 13,185,000 |  | 13,185,000 |  | 3,499,000
Total loans | 46,493,000 |  | 46,493,000 |  | 6,934,000
Substandard/Past due | Commercial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2023/2022 |  |  |  |  | 40,954,000
2022/2021 | 24,000,000 |  | 24,000,000 |  |
Total loans | 24,000,000 |  | 24,000,000 |  | 40,954,000
Substandard/Past due | Multi-family |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2022/2021 | 30,300,000 |  | 30,300,000 |  | 20,939,000
2021/2020 | 20,939,000 |  | 20,939,000 |  |
Total loans | $ 51,239,000 |  | $ 51,239,000 |  | $ 20,939,000

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