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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Credit Quality Indicator) (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended |
--- | --- | --- | ---
Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024 | Dec. 31, 2024
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2025/2024 |  | $ 1,681,135 |  | $ 2,142,524
2024/2023 |  | 1,590,247 |  | 1,367,927
2023/2022 |  | 1,203,880 |  | 1,224,248
2022/2021 |  | 987,712 |  | 407,182
2021/2020 |  | 355,796 |  | 173,199
2020/2019 & Prior |  | 266,509 |  | 210,977
Revolving |  | 546,015 |  | 524,988
Total loans |  | 6,631,294 |  | 6,051,045
Loans modified | $ 55,986 | 51,239 | $ 62,975 |
Past Due |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 55,456 |  | 41,910
Current |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 6,575,838 |  | 6,009,135
Greater than 90 days |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 39,938 |  | 32,600
Real Estate |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 5,603,969 |  | 4,991,938
Commercial and industrial |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2025/2024 |  | 84,596 |  | 238,850
2024/2023 |  | 180,934 |  | 105,341
2023/2022 |  | 89,725 |  | 150,815
2022/2021 |  | 124,390 |  | 67,562
2021/2020 |  | 61,694 |  | 14,987
2020/2019 & Prior |  | 11,597 |  | 1,929
Revolving |  | 463,120 |  | 466,662
Total loans |  | 1,016,056 |  | 1,046,146
Loans modified | 4,747 |  | 11,736 |
Commercial and industrial | Past Due |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 8,989 |  | 6,989
Commercial and industrial | Current |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 1,007,067 |  | 1,039,157
Commercial and industrial | Greater than 90 days |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 8,989 |  | 6,989
Consumer |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2020/2019 & Prior |  | 11,269 |  | 12,961
Total loans |  | 11,269 |  | 12,961
Consumer | Past Due |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2020/2019 & Prior |  | 70 |  | 218
Total loans |  | 70 |  | 218
Consumer | Current |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2020/2019 & Prior |  | 11,199 |  | 12,743
Total loans |  | 11,199 |  | 12,743
Consumer | Greater than 90 days |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  |  |  | 72
Commercial |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2025/2024 |  | 1,393,224 |  | 1,688,731
2024/2023 |  | 1,318,321 |  | 1,114,212
2023/2022 |  | 944,522 |  | 956,851
2022/2021 |  | 751,284 |  | 255,595
2021/2020 |  | 211,807 |  | 125,676
2020/2019 & Prior |  | 179,774 |  | 149,727
Revolving |  | 50,220 |  | 26,569
Total loans |  | 4,849,152 |  | 4,317,361
Commercial | Commercial |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 29,400 |  | 24,000
Commercial | Real Estate |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 4,849,152 |  | 4,317,361
Commercial | Real Estate | Past Due |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 41,374 |  | 32,202
Commercial | Real Estate | Current |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 4,807,778 |  | 4,285,159
Commercial | Real Estate | Greater than 90 days |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 25,926 |  | 25,087
Construction |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2025/2024 |  | 76,160 |  | 104,503
2024/2023 |  | 49,283 |  | 65,231
2023/2022 |  | 86,910 |  | 8,693
2022/2021 |  | 9,419 |  |
Revolving |  | 29,921 |  | 28,533
Total loans |  | 251,693 |  | 206,960
Construction | Real Estate |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 251,693 |  | 206,960
Construction | Real Estate | Current |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 251,693 |  | 206,960
Multi-family |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2025/2024 |  | 127,155 |  | 110,440
2024/2023 |  | 41,709 |  | 38,143
2023/2022 |  | 37,723 |  | 104,420
2022/2021 |  | 99,373 |  | 84,025
2021/2020 |  | 82,295 |  | 23,005
2020/2019 & Prior |  | 23,239 |  | 13,480
Revolving |  | 2,754 |  | 3,224
Total loans |  | 414,248 |  | 376,737
Multi-family | Multi-family |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 53,800 |  | 51,200
Multi-family | Real Estate |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 414,248 |  | 376,737
Loans modified | $ 51,239 | 51,239 | $ 51,239 |
Multi-family | Real Estate | Past Due |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 2,554 |  |
Multi-family | Real Estate | Current |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 411,694 |  | 376,737
Multi-family | Real Estate | Greater than 90 days |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 2,554 |  |
One-to-four-family |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2024/2023 |  |  |  | 45,000
2023/2022 |  | 45,000 |  | 3,469
2022/2021 |  | 3,246 |  |
2021/2020 |  |  |  | 9,531
2020/2019 & Prior |  | 40,630 |  | 32,880
Total loans |  | 88,876 |  | 90,880
One-to-four-family | Past Due |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2020/2019 & Prior |  | 2,469 |  | 2,501
Total loans |  | 2,469 |  | 2,501
One-to-four-family | Current |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2024/2023 |  |  |  | 45,000
2023/2022 |  | 45,000 |  | 3,469
2022/2021 |  | 3,246 |  |
2021/2020 |  |  |  | 9,531
2020/2019 & Prior |  | 38,161 |  | 30,379
Total loans |  | 86,407 |  | 88,379
One-to-four-family | One-to-four-family |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 2,500 |  |
One-to-four-family | Real Estate |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 88,876 |  | 90,880
One-to-four-family | Real Estate | Past Due |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 2,469 |  | 2,501
One-to-four-family | Real Estate | Current |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 86,407 |  | 88,379
One-to-four-family | Real Estate | Greater than 90 days |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Total loans |  | 2,469 |  | 452
Charge-offs | Consumer |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2020/2019 & Prior |  | 230 |  | 247
Total loans |  | 230 |  | 247
Pass |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2025/2024 |  | 1,660,935 |  | 2,067,578
2024/2023 |  | 1,552,653 |  | 1,358,787
2023/2022 |  | 1,194,785 |  | 1,133,734
2022/2021 |  | 902,652 |  | 367,291
2021/2020 |  | 329,821 |  | 173,199
2020/2019 & Prior |  | 262,266 |  | 208,258
Revolving |  | 530,830 |  | 510,803
Total loans |  | 6,433,942 |  | 5,819,650
Pass | Commercial and industrial |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2025/2024 |  | 84,596 |  | 238,850
2024/2023 |  | 180,934 |  | 96,201
2023/2022 |  | 80,630 |  | 119,601
2022/2021 |  | 93,630 |  | 62,865
2021/2020 |  | 57,497 |  | 14,987
2020/2019 & Prior |  | 11,597 |  | 1,929
Revolving |  | 447,935 |  | 452,477
Total loans |  | 956,819 |  | 986,910
Pass | Commercial |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2025/2024 |  | 1,373,024 |  | 1,613,785
2024/2023 |  | 1,283,281 |  | 1,114,212
2023/2022 |  | 944,522 |  | 927,851
2022/2021 |  | 727,284 |  | 241,340
2021/2020 |  | 210,968 |  | 125,676
2020/2019 & Prior |  | 178,070 |  | 149,727
Revolving |  | 50,220 |  | 26,569
Total loans |  | 4,767,369 |  | 4,199,160
Pass | Construction |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2025/2024 |  | 76,160 |  | 104,503
2024/2023 |  | 49,283 |  | 65,231
2023/2022 |  | 86,910 |  | 8,693
2022/2021 |  | 9,419 |  |
Revolving |  | 29,921 |  | 28,533
Total loans |  | 251,693 |  | 206,960
Pass | Multi-family |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2025/2024 |  | 127,155 |  | 110,440
2024/2023 |  | 39,155 |  | 38,143
2023/2022 |  | 37,723 |  | 74,120
2022/2021 |  | 69,073 |  | 63,086
2021/2020 |  | 61,356 |  | 23,005
2020/2019 & Prior |  | 23,239 |  | 13,480
Revolving |  | 2,754 |  | 3,224
Total loans |  | 360,455 |  | 325,498
Special Mention |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2025/2024 |  | 18,400 |  | 73,859
2024/2023 |  | 33,953 |  | 1,497
2023/2022 |  |  |  | 15,246
2022/2021 |  |  |  | 14,255
Revolving |  |  |  | 1,000
Total loans |  | 52,353 |  | 105,857
Special Mention | Commercial and industrial |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2024/2023 |  |  |  | 1,497
2023/2022 |  |  |  | 10,246
Revolving |  |  |  | 1,000
Total loans |  |  |  | 12,743
Special Mention | Commercial |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2025/2024 |  | 18,400 |  | 73,859
2024/2023 |  | 33,953 |  |
2023/2022 |  |  |  | 5,000
2022/2021 |  |  |  | 14,255
Total loans |  | 52,353 |  | 93,114
Substandard |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2025/2024 |  | 1,800 |  | 1,087
2024/2023 |  | 3,641 |  | 7,643
2023/2022 |  | 9,095 |  | 75,268
2022/2021 |  | 85,060 |  | 25,636
2021/2020 |  | 25,975 |  |
2020/2019 & Prior |  | 4,243 |  | 2,719
Revolving |  | 15,185 |  | 13,185
Total loans |  | 144,999 |  | 125,538
Substandard | Commercial and industrial |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2024/2023 |  |  |  | 7,643
2023/2022 |  | 9,095 |  | 20,968
2022/2021 |  | 30,760 |  | 4,697
2021/2020 |  | 4,197 |  |
Revolving |  | 15,185 |  | 13,185
Total loans |  | 59,237 |  | 46,493
Substandard | Commercial |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2025/2024 |  | 1,800 |  | 1,087
2024/2023 |  | 1,087 |  |
2023/2022 |  |  |  | 24,000
2022/2021 |  | 24,000 |  |
2021/2020 |  | 839 |  |
2020/2019 & Prior |  | 1,704 |  |
Total loans |  | 29,430 |  | 25,087
Substandard | Multi-family |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
2024/2023 |  | 2,554 |  |
2023/2022 |  |  |  | 30,300
2022/2021 |  | 30,300 |  | 20,939
2021/2020 |  | 20,939 |  |
Total loans |  | $ 53,793 |  | $ 51,239

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