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Loans Held For Sale (Tables) | 9 Months Ended
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Sep. 30, 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:
| September 30, 2025 |  | December 31, 2024
One-to-four family | $ | — |  |  | $ | 408 |
SBA | 36,206 |  |  | 22,867 |
HELOCs | 152,841 |  |  | 178,743 |
Total loans held for sale, at the lower of cost or fair value | $ | 189,047 |  |  | $ | 202,018 |
Loans consist of the following at the dates indicated(1):
| September 30, 2025 |  | December 31, 2024
Commercial real estate |  |  |
Construction and land development | $ | 268,953 |  |  | $ | 274,356 |
Commercial real estate – owner occupied | 540,807 |  |  | 545,490 |
Commercial real estate – non-owner occupied | 861,244 |  |  | 866,094 |
Multifamily | 115,403 |  |  | 120,425 |
Total commercial real estate | 1,786,407 |  |  | 1,806,365 |
Commercial |  |  |
Commercial and industrial | 399,155 |  |  | 316,159 |
Equipment finance | 340,322 |  |  | 406,400 |
Municipal leases | 164,967 |  |  | 165,984 |
Total commercial | 904,444 |  |  | 888,543 |
Residential real estate |  |  |
Construction and land development | 51,110 |  |  | 53,683 |
One-to-four family | 636,857 |  |  | 630,391 |
HELOCs | 216,122 |  |  | 195,288 |
Total residential real estate | 904,089 |  |  | 879,362 |
Consumer | 48,679 |  |  | 74,029 |
Total loans, net of deferred loan fees and costs | 3,643,619 |  |  | 3,648,299 |
Allowance for credit losses - loans | (43,086) |  |  | (45,285) |
Loans, net | $ | 3,600,533 |  |  | $ | 3,603,014 |
(1) At September 30, 2025 and December 31, 2024 accrued interest receivable of $16,284 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 CDAs |  | Non-CDAs |  |
September 30, 2025 | Residential Property |  | Investment Property |  | Commercial Property |  | Business Assets |  |  |  |  | Total
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | 268,953 |  |  | $ | 268,953 |
Commercial real estate – owner occupied | — |  |  | — |  |  | 3,548 |  |  | — |  |  |  |  | 537,259 |  |  | 540,807 |
Commercial real estate – non-owner occupied | — |  |  | — |  |  | 4,710 |  |  | — |  |  |  |  | 856,534 |  |  | 861,244 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  |  |  | 115,403 |  |  | 115,403 |
Total commercial real estate | — |  |  | — |  |  | 8,258 |  |  | — |  |  |  |  | 1,778,149 |  |  | 1,786,407 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | — |  |  | — |  |  | — |  |  | 969 |  |  |  |  | 398,186 |  |  | 399,155 |
Equipment finance | — |  |  | — |  |  | — |  |  | 1,932 |  |  |  |  | 338,390 |  |  | 340,322 |
Municipal leases | — |  |  | — |  |  | — |  |  | — |  |  |  |  | 164,967 |  |  | 164,967 |
Total commercial | — |  |  | — |  |  | — |  |  | 2,901 |  |  |  |  | 901,543 |  |  | 904,444 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and land development | — |  |  | — |  |  | — |  |  | — |  |  |  |  | 51,110 |  |  | 51,110 |
One-to-four family | — |  |  | — |  |  | — |  |  | — |  |  |  |  | 636,857 |  |  | 636,857 |
HELOCs | — |  |  | — |  |  | — |  |  | — |  |  |  |  | 216,122 |  |  | 216,122 |
Total residential real estate | — |  |  | — |  |  | — |  |  | — |  |  |  |  | 904,089 |  |  | 904,089 |
Consumer | — |  |  | — |  |  | — |  |  | — |  |  |  |  | 48,679 |  |  | 48,679 |
Total | $ | — |  |  | $ | — |  |  | $ | 8,258 |  |  | $ | 2,901 |  |  |  |  | $ | 3,632,460 |  |  | $ | 3,643,619 |
Total collateral value | $ | — |  |  | $ | — |  |  | $ | 9,860 |  |  | $ | 1,617 |  |  |  |  |  |  |
| Type and Extent of Collateral Securing CDAs |  | Non-CDAs |  |
December 31, 2024 | Residential Property |  | Investment Property |  | Commercial Property |  | Business Assets |  |  |  |  | Total
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 |  |  |  |  |  |  |

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