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Loans Held For Sale (Tables)
 3 Months Ended
Mar. 31, 2025
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, 2025December 31, 2024
One-to-four family$2,778 $408 
SBA26,940 22,867 
HELOCs121,446 178,743 
Total loans held for sale, at the lower of cost or fair value$151,164 $202,018 
Loans consist of the following at the dates indicated(1):
March 31, 2025December 31, 2024
Commercial real estate
Construction and land development$247,539 $274,356 
Commercial real estate – owner occupied570,150 545,490 
Commercial real estate – non-owner occupied867,711 866,094 
Multifamily118,094 120,425 
Total commercial real estate1,803,494 1,806,365 
Commercial
Commercial and industrial349,085 316,159 
Equipment finance380,166 406,400 
Municipal leases163,554 165,984 
Total commercial892,805 888,543 
Residential real estate
Construction and land development56,858 53,683 
One-to-four family631,537 630,391 
HELOCs199,747 195,288 
Total residential real estate888,142 879,362 
Consumer64,168 74,029 
Total loans, net of deferred loan fees and costs3,648,609 3,648,299 
Allowance for credit losses - loans(44,742)(45,285)
Loans, net$3,603,867 $3,603,014 
(1)    At March 31, 2025 and December 31, 2024 accrued interest receivable of $17,450 and $17,569, respectively, was accounted for separately from the amortized cost basis.
The following tables provide a breakdown between loans identified as CDAs and non-CDAs, by segment and class, as well as collateral coverage for those loans as of the dates indicated below:
Type and Extent of Collateral Securing CDAsNon-CDAs
March 31, 2025Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $247,539 $247,539 
Commercial real estate – owner occupied— — 6,904 — 563,246 570,150 
Commercial real estate – non-owner occupied— — 3,822 — 863,889 867,711 
Multifamily— — — — 118,094 118,094 
Total commercial real estate— — 10,726 — 1,792,768 1,803,494 
Commercial
Commercial and industrial— — — 1,152 347,933 349,085 
Equipment finance— — — 1,194 378,972 380,166 
Municipal leases— — — — 163,554 163,554 
Total commercial— — — 2,346 890,459 892,805 
Residential real estate
Construction and land development— — — — 56,858 56,858 
One-to-four family712 — — — 630,825 631,537 
HELOCs1,013 — — — 198,734 199,747 
Total residential real estate1,725 — — — 886,417 888,142 
Consumer— — — — 64,168 64,168 
Total$1,725 $— $10,726 $2,346 $3,633,812 $3,648,609 
Total collateral value$1,481 $— $14,682 $992 
Type and Extent of Collateral Securing CDAsNon-CDAs
December 31, 2024Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $274,356 $274,356 
Commercial real estate – owner occupied— — 6,376 — 539,114 545,490 
Commercial real estate – non-owner occupied— — 3,820 — 862,274 866,094 
Multifamily— — — — 120,425 120,425 
Total commercial real estate— — 10,196 — 1,796,169 1,806,365 
Commercial
Commercial and industrial— — — 585 315,574 316,159 
Equipment finance— — — 717 405,683 406,400 
Municipal leases— — — — 165,984 165,984 
Total commercial— — — 1,302 887,241 888,543 
Residential real estate
Construction and land development— — — — 53,683 53,683 
One-to-four family— — — — 630,391 630,391 
HELOCs— — — — 195,288 195,288 
Total residential real estate— — — — 879,362 879,362 
Consumer— — — — 74,029 74,029 
Total$— $— $10,196 $1,302 $3,636,801 $3,648,299 
Total collateral value$— $— $13,938 $748