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Loans Held For Sale (Tables)
 3 Months Ended
Mar. 31, 2024
Receivables [Abstract]  
Schedule of Loans Held for Sale
Loans held for sale, at the lower of cost or fair value, consist of the following as of the dates indicated:
March 31, 2024December 31, 2023
One-to-four family$292 $— 
SBA19,902 30,650 
HELOCs200,505 167,783 
Total loans held for sale, at the lower of cost or fair value$220,699 $198,433 
Loans consist of the following at the dates indicated(1):
March 31, 2024December 31, 2023
Commercial real estate loans
Construction and land development$304,727 $305,269 
Commercial real estate – owner occupied532,547 536,545 
Commercial real estate – non-owner occupied881,143 875,694 
Multifamily89,692 88,623 
Total commercial real estate loans1,808,109 1,806,131 
Commercial loans
Commercial and industrial243,732 237,255 
Equipment finance462,649 465,573 
Municipal leases151,894 150,292 
Total commercial loans858,275 853,120 
Residential real estate loans
Construction and land development85,840 96,646 
One-to-four family605,570 584,405 
HELOCs184,274 185,878 
Total residential real estate loans875,684 866,929 
Consumer loans106,084 113,842 
Total loans, net of deferred loan fees and costs3,648,152 3,640,022 
ACL on loans(47,502)(48,641)
Loans, net$3,600,650 $3,591,381 
(1)    At March 31, 2024 and December 31, 2023 accrued interest receivable of $16,187 and $16,218, respectively, was accounted for separately from the amortized cost basis.
The following tables provide a breakdown between loans identified as CDAs and non-CDAs, by segment and class, as well as collateral coverage for those loans for the periods indicated below:
Type and Extent of Collateral Securing CDAsNon-CDAs
March 31, 2024Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $304,727 $304,727 
Commercial real estate – owner occupied— — 1,519 — 531,028 532,547 
Commercial real estate – non-owner occupied— — 4,309 — 876,834 881,143 
Multifamily— — — — 89,692 89,692 
Total commercial real estate— — 5,828 — 1,802,281 1,808,109 
Commercial
Commercial and industrial— — — 1,588 242,144 243,732 
Equipment finance— — — 741 461,908 462,649 
Municipal leases— — — — 151,894 151,894 
Total commercial— — — 2,329 855,946 858,275 
Residential real estate
Construction and land development— — — — 85,840 85,840 
One-to-four family— — — — 605,570 605,570 
HELOCs510 — — — 183,764 184,274 
Total residential real estate510 — — — 875,174 875,684 
Consumer— — — — 106,084 106,084 
Total$510 $— $5,828 $2,329 $3,639,485 $3,648,152 
Total collateral value$733 $— $5,175 $796 
Type and Extent of Collateral Securing CDAsNon-CDAs
December 31, 2023Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $305,269 $305,269 
Commercial real estate – owner occupied— — 1,821 — 534,724 536,545 
Commercial real estate – non-owner occupied— — 4,310 — 871,384 875,694 
Multifamily— — — — 88,623 88,623 
Total commercial real estate— — 6,131 — 1,800,000 1,806,131 
Commercial
Commercial and industrial— — — 1,322 235,933 237,255 
Equipment finance— — — 1,304 464,269 465,573 
Municipal leases— — — — 150,292 150,292 
Total commercial— — — 2,626 850,494 853,120 
Residential real estate
Construction and land development— — — — 96,646 96,646 
One-to-four family— — — — 584,405 584,405 
HELOCs510 — — — 185,368 185,878 
Total residential real estate510 — — — 866,419 866,929 
Consumer— — — — 113,842 113,842 
Total$510 $— $6,131 $2,626 $3,630,755 $3,640,022 
Total collateral value$733 $— $5,627 $686