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Loans Held For Sale (Tables)
 6 Months Ended
Jun. 30, 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:
June 30, 2024December 31, 2023
SBA$20,259 $30,650 
HELOCs204,717 167,783 
Total loans held for sale, at the lower of cost or fair value$224,976 $198,433 
Loans consist of the following at the dates indicated(1):
June 30, 2024December 31, 2023
Commercial real estate loans
Construction and land development$316,050 $305,269 
Commercial real estate – owner occupied545,631 536,545 
Commercial real estate – non-owner occupied892,653 875,694 
Multifamily92,292 88,623 
Total commercial real estate loans1,846,626 1,806,131 
Commercial loans
Commercial and industrial266,136 237,255 
Equipment finance461,010 465,573 
Municipal leases152,509 150,292 
Total commercial loans879,655 853,120 
Residential real estate loans
Construction and land development70,679 96,646 
One-to-four family621,196 584,405 
HELOCs188,465 185,878 
Total residential real estate loans880,340 866,929 
Consumer loans94,833 113,842 
Total loans, net of deferred loan fees and costs3,701,454 3,640,022 
ACL on loans(49,223)(48,641)
Loans, net$3,652,231 $3,591,381 
(1)    At June 30, 2024 and December 31, 2023 accrued interest receivable of $17,680 and $16,218, respectively, was accounted for separately from the amortized cost basis.
The following tables provide a breakdown between loans identified as CDAs and non-CDAs, by segment and class, as well as collateral coverage for those loans for the periods indicated below:
Type and Extent of Collateral Securing CDAsNon-CDAs
June 30, 2024Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $316,050 $316,050 
Commercial real estate – owner occupied— — 1,788 — 543,843 545,631 
Commercial real estate – non-owner occupied— — 4,308 — 888,345 892,653 
Multifamily— — — — 92,292 92,292 
Total commercial real estate— — 6,096 — 1,840,530 1,846,626 
Commercial
Commercial and industrial— — — 2,465 263,671 266,136 
Equipment finance— — — 4,832 456,178 461,010 
Municipal leases— — — — 152,509 152,509 
Total commercial— — — 7,297 872,358 879,655 
Residential real estate
Construction and land development— — — — 70,679 70,679 
One-to-four family— — — — 621,196 621,196 
HELOCs— — — — 188,465 188,465 
Total residential real estate— — — — 880,340 880,340 
Consumer— — — — 94,833 94,833 
Total$— $— $6,096 $7,297 $3,688,061 $3,701,454 
Total collateral value$— $— $4,654 $5,470 
Type and Extent of Collateral Securing CDAsNon-CDAs
December 31, 2023Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $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