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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Financing Receivable, Allowance for Credit Loss (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2022 | Jun. 30, 2021 | Jun. 30, 2022 | Jun. 30, 2021
Balance at beginning of period |  |  | $ 60,754 |
Balance at end of period | $ 61,058 |  | 61,058 |
Allowance for credit losses |  |  |  |
Balance at beginning of period | 60,797 | $ 67,702 | 60,754 | $ 67,338
Provision (credit) charged to expense |  | (1,000) |  | (700)
Losses charged off | (433) | (899) | (870) | (1,554)
Recoveries | 694 | 799 | 1,174 | 1,518
Balance at end of period | 61,058 | 66,602 | 61,058 | 66,602
CECL adoption | Allowance for credit losses |  |  |  |
Balance at beginning of period |  |  |  | 11,595
Before CECL adoption | Allowance for credit losses |  |  |  |
Balance at beginning of period |  |  |  | 55,743
Loans Receivable | Allowance for unfunded commitment |  |  |  |
Balance at beginning of period | 9,436 | 8,016 | 9,629 | 8,690
Provision (credit) charged to expense | 2,223 | (307) | 2,030 | (981)
Balance at end of period | 11,659 | 7,709 | 11,659 | 7,709
Loans Receivable | CECL adoption | Allowance for unfunded commitment |  |  |  |
Balance at beginning of period |  |  |  | 8,690
Commercial Real Estate | Allowance for unfunded commitment |  |  |  |
Balance at beginning of period | 423 | 457 | 367 | 354
Provision (credit) charged to expense | 78 | (40) | 134 | 63
Balance at end of period | 501 | 417 | 501 | 417
Commercial Real Estate | Allowance for credit losses |  |  |  |
Balance at beginning of period | 28,604 | 31,500 | 28,604 | 31,176
Provision (credit) charged to expense |  | (1,000) |  | (700)
Recoveries |  | 7 |  | 31
Balance at end of period | 28,604 | 30,507 | 28,604 | 30,507
Commercial Real Estate | CECL adoption | Allowance for unfunded commitment |  |  |  |
Balance at beginning of period |  |  |  | 354
Commercial Real Estate | CECL adoption | Allowance for credit losses |  |  |  |
Balance at beginning of period |  |  |  | (2,531)
Commercial Real Estate | Before CECL adoption | Allowance for credit losses |  |  |  |
Balance at beginning of period |  |  |  | 33,707
Commercial construction | Allowance for unfunded commitment |  |  |  |
Balance at beginning of period | 1,069 | 510 | 908 | 910
Provision (credit) charged to expense | (374) | (156) | (213) | (556)
Balance at end of period | 695 | 354 | 695 | 354
Commercial construction | Allowance for credit losses |  |  |  |
Balance at beginning of period | 2,797 | 2,366 | 2,797 | 2,356
Losses charged off |  | (154) |  | (154)
Recoveries |  | 3 |  | 13
Balance at end of period | 2,797 | 2,215 | 2,797 | 2,215
Commercial construction | CECL adoption | Allowance for unfunded commitment |  |  |  |
Balance at beginning of period |  |  |  | 910
Commercial construction | CECL adoption | Allowance for credit losses |  |  |  |
Balance at beginning of period |  |  |  | (1,165)
Commercial construction | Before CECL adoption | Allowance for credit losses |  |  |  |
Balance at beginning of period |  |  |  | 3,521
One- to four-family residential construction | Allowance for unfunded commitment |  |  |  |
Balance at beginning of period | 1,199 | 957 | 687 | 917
Provision (credit) charged to expense | (61) | (197) | 451 | (157)
Balance at end of period | 1,138 | 760 | 1,138 | 760
One- to four-family residential construction | Allowance for credit losses |  |  |  |
Balance at beginning of period | 9,382 | 9,101 | 9,364 | 9,069
Losses charged off | (2) | (136) | (38) | (142)
Recoveries | 54 | 244 | 108 | 282
Balance at end of period | 9,434 | 9,209 | 9,434 | 9,209
One- to four-family residential construction | CECL adoption | Allowance for unfunded commitment |  |  |  |
Balance at beginning of period |  |  |  | 917
One- to four-family residential construction | CECL adoption | Allowance for credit losses |  |  |  |
Balance at beginning of period |  |  |  | 4,533
One- to four-family residential construction | Before CECL adoption | Allowance for credit losses |  |  |  |
Balance at beginning of period |  |  |  | 4,536
Other residential | Allowance for unfunded commitment |  |  |  |
Balance at beginning of period | 4,700 | 4,814 | 5,703 | 5,227
Provision (credit) charged to expense | 2,719 | 158 | 1,716 | (255)
Balance at end of period | 7,419 | 4,972 | 7,419 | 4,972
Other residential | Allowance for credit losses |  |  |  |
Balance at beginning of period | 10,502 | 15,299 | 10,502 | 15,207
Recoveries | 110 |  | 110 | 92
Balance at end of period | 10,612 | 15,299 | 10,612 | 15,299
Other residential | CECL adoption | Allowance for unfunded commitment |  |  |  |
Balance at beginning of period |  |  |  | 5,227
Other residential | CECL adoption | Allowance for credit losses |  |  |  |
Balance at beginning of period |  |  |  | 5,832
Other residential | Before CECL adoption | Allowance for credit losses |  |  |  |
Balance at beginning of period |  |  |  | 9,375
Commercial business | Allowance for unfunded commitment |  |  |  |
Balance at beginning of period | 1,618 | 956 | 1,582 | 935
Provision (credit) charged to expense | (212) | (135) | (176) | (114)
Balance at end of period | 1,406 | 821 | 1,406 | 821
Commercial business | Allowance for credit losses |  |  |  |
Balance at beginning of period | 4,162 | 3,936 | 4,142 | 3,889
Losses charged off |  | (57) |  | (57)
Recoveries | 203 | 53 | 223 | 100
Balance at end of period | 4,365 | 3,932 | 4,365 | 3,932
Commercial business | CECL adoption | Allowance for unfunded commitment |  |  |  |
Balance at beginning of period |  |  |  | 935
Commercial business | CECL adoption | Allowance for credit losses |  |  |  |
Balance at beginning of period |  |  |  | 1,499
Commercial business | Before CECL adoption | Allowance for credit losses |  |  |  |
Balance at beginning of period |  |  |  | 2,390
Consumer | Allowance for unfunded commitment |  |  |  |
Balance at beginning of period | 427 | 322 | 382 | 347
Provision (credit) charged to expense | 73 | 63 | 118 | 38
Balance at end of period | 500 | 385 | 500 | 385
Consumer | Allowance for credit losses |  |  |  |
Balance at beginning of period | 5,350 | 5,500 | 5,345 | 5,641
Losses charged off | (431) | (552) | (832) | (1,201)
Recoveries | 327 | 492 | 733 | 1,000
Balance at end of period | $ 5,246 | $ 5,440 | $ 5,246 | 5,440
Consumer | CECL adoption | Allowance for unfunded commitment |  |  |  |
Balance at beginning of period |  |  |  | 347
Consumer | CECL adoption | Allowance for credit losses |  |  |  |
Balance at beginning of period |  |  |  | 3,427
Consumer | Before CECL adoption | Allowance for credit losses |  |  |  |
Balance at beginning of period |  |  |  | $ 2,214

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