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LOANS AND ALLOWANCE FOR CREDIT LOSSES | 9 Months Ended
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Sep. 30, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES |
LOANS AND ALLOWANCE FOR CREDIT LOSSES | NOTE 6: LOANS AND ALLOWANCE FOR CREDIT LOSSES The Company adopted ASU 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, effective January 1, 2021. The allowance for credit losses is measured using an average historical loss model that incorporates relevant information about past events (including historical credit loss experience on loans with similar risk characteristics), current conditions, and reasonable and supportable forecasts that affect the collectability of the remaining cash flows over the contractual term of the loans. The allowance for credit losses is measured on a collective (pool) basis. Loans are aggregated into pools based on similar risk characteristics, including borrower type, collateral and repayment types and expected credit loss patterns. Loans that do not share similar risk characteristics, primarily classified loans with a balance greater than or equal to $100,000, are evaluated on an individual basis. For loans evaluated for credit losses on a collective basis, average historical loss rates are calculated for each pool using the Company’s historical net charge-offs (combined charge-offs and recoveries by observable historical reporting period) and outstanding loan balances during a lookback period. Lookback periods can be different based on the individual pool and represent management’s credit expectations for the pool of loans over the remaining contractual life. In certain loan pools, if the Company’s own historical loss rate is not reflective of the loss expectations, the historical loss rate is augmented by industry and peer data. The calculated average net charge-off rate is then adjusted for current conditions and reasonable and supportable forecasts. These adjustments increase or decrease the average historical loss rate to reflect expectations of future losses given economic forecasts of key macroeconomic variables including, but not limited to, unemployment rate, gross domestic product (“GDP”), commercial real estate price index, consumer sentiment and construction spending. The adjustments are based on results from various regression models projecting the impact of the macroeconomic variables to loss rates. The forecast is used for a reasonable and supportable period before reverting to historical averages. The forecast-adjusted loss rate is applied to the principal balance over the remaining contractual lives, adjusted for expected prepayments. The contractual term excludes expected extensions, renewals and modifications. Additionally, the allowance for credit losses considers other qualitative factors not included in historical loss rates or macroeconomic forecasts such as changes in portfolio composition, underwriting practices, or significant unique events or conditions. In addition, ASU 2016-13 requires an allowance for off balance sheet credit exposures: unfunded lines of credit, undisbursed portions of loans, written residential and commercial commitments, and letters of credit. To determine the amount needed for allowance purposes, a utilization rate is determined either by the model or internally for each pool. Our loss model calculates the reserve on unfunded commitments based upon the utilization rate multiplied by the average loss rate factors in each pool with unfunded and committed balances. The liability for unfunded lending commitments utilizes the same model as the allowance for credit losses on loans; however, the liability for unfunded lending commitments incorporates assumptions for the portion of unfunded commitments that are expected to be funded. Classes of loans at September 30, 2023 and December 31, 2022 were as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | September 30, |  | December 31, |
​ | ​ | 2023 | ​ | 2022 |
​ | ​ | (In Thousands) |
One- to four-family residential construction |  | $ | 29,383 | ​ | $ | 33,849 | ​
Subdivision construction | ​ | ​ | 26,412 | ​ | ​ | 32,067 | ​
Land development | ​ | ​ | 54,633 | ​ | ​ | 41,613 | ​
Commercial construction | ​ | ​ | 750,818 | ​ | ​ | 757,690 | ​
Owner occupied one- to four-family residential | ​ | ​ | 773,082 | ​ | ​ | 778,533 | ​
Non-owner occupied one- to four-family residential | ​ | ​ | 123,750 | ​ | ​ | 124,870 | ​
Commercial real estate | ​ | ​ | 1,503,915 | ​ | ​ | 1,530,663 | ​
Other residential | ​ | ​ | 845,373 | ​ | ​ | 781,761 | ​
Commercial business | ​ | ​ | 343,648 | ​ | ​ | 293,228 | ​
Industrial revenue bonds | ​ | ​ | 12,292 | ​ | ​ | 12,852 | ​
Consumer auto | ​ | ​ | 29,329 | ​ | ​ | 37,281 | ​
Consumer other | ​ | ​ | 32,941 | ​ | ​ | 33,732 | ​
Home equity lines of credit | ​ | ​ | 111,665 | ​ | ​ | 123,242 | ​
​ | ​ | ​ | 4,637,241 | ​ | ​ | 4,581,381 | ​
Allowance for credit losses on loans | ​ | ​ | (64,753) | ​ | ​ | (63,480) | ​
Deferred loan fees and gains, net | ​ | ​ | (7,921) | ​ | ​ | (11,065) | ​
​ |  | $ | 4,564,567 | ​ | $ | 4,506,836 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Weighted average interest rate | ​ | ​ | 6.16 | % | ​ | 5.54 | %
​ The following tables present the classes of loans by aging as of the dates indicated. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | September 30, 2023
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Total Loans
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Over 90 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Total | ​ | > 90 Days Past
​ | ​ | 30-59 Days | ​ | 60-89 Days | ​ | Days | ​ | Total Past | ​ | ​ | ​ | ​ | Loans | ​ | Due and
​ | ​ | Past Due |  | Past Due |  | Past Due |  | Due |  | Current |  | Receivable |  | Still Accruing
​ | ​ | (In Thousands)
One- to four-family residential construction |  | $ | — | ​ | $ | 12 | ​ | $ | — | ​ | $ | 12 | ​ | $ | 29,371 | ​ | $ | 29,383 | ​ | $ | —
Subdivision construction | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 26,412 | ​ | ​ | 26,412 | ​ | ​ | —
Land development | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 384 | ​ | ​ | 384 | ​ | ​ | 54,249 | ​ | ​ | 54,633 | ​ | ​ | —
Commercial construction | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 750,818 | ​ | ​ | 750,818 | ​ | ​ | —
Owner occupied one- to four-family residential | ​ | ​ | 122 | ​ | ​ | 69 | ​ | ​ | 242 | ​ | ​ | 433 | ​ | ​ | 772,649 | ​ | ​ | 773,082 | ​ | ​ | —
Non-owner occupied one- to four-family residential | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 123,750 | ​ | ​ | 123,750 | ​ | ​ | —
Commercial real estate | ​ | ​ | — | ​ | ​ | 191 | ​ | ​ | 10,131 | ​ | ​ | 10,322 | ​ | ​ | 1,493,593 | ​ | ​ | 1,503,915 | ​ | ​ | —
Other residential | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 845,373 | ​ | ​ | 845,373 | ​ | ​ | —
Commercial business | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 343,648 | ​ | ​ | 343,648 | ​ | ​ | —
Industrial revenue bonds | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 12,292 | ​ | ​ | 12,292 | ​ | ​ | —
Consumer auto | ​ | ​ | 45 | ​ | ​ | 3 | ​ | ​ | 9 | ​ | ​ | 57 | ​ | ​ | 29,272 | ​ | ​ | 29,329 | ​ | ​ | —
Consumer other | ​ | ​ | 206 | ​ | ​ | 11 | ​ | ​ | 33 | ​ | ​ | 250 | ​ | ​ | 32,691 | ​ | ​ | 32,941 | ​ | ​ | —
Home equity lines of credit | ​ | ​ | 123 | ​ | ​ | 54 | ​ | ​ | 32 | ​ | ​ | 209 | ​ | ​ | 111,456 | ​ | ​ | 111,665 | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total | ​ | $ | 496 | ​ | $ | 340 | ​ | $ | 10,831 | ​ | $ | 11,667 | ​ | $ | 4,625,574 | ​ | $ | 4,637,241 | ​ | $ | —
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31, 2022
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Total Loans
​ | ​ | ​ | ​ | ​ | ​ | Over 90 | ​ | ​ | ​ | ​ | ​ | Total | ​ | > 90 Days Past
​ | ​ | 30-59 Days | ​ | 60-89 Days | ​ | Days | ​ | Total Past | ​ | ​ | ​ | ​ | Loans | ​ | Due and
​ | ​ | Past Due |  | Past Due |  | Past Due |  | Due |  | Current |  | Receivable |  | Still Accruing
​ | ​ | (In Thousands)
One- to four-family residential construction |  | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 33,849 | ​ | $ | 33,849 | ​ | $ | —
Subdivision construction | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 32,067 | ​ | ​ | 32,067 | ​ | ​ | —
Land development | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 384 | ​ | ​ | 384 | ​ | ​ | 41,229 | ​ | ​ | 41,613 | ​ | ​ | —
Commercial construction | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 757,690 | ​ | ​ | 757,690 | ​ | ​ | —
Owner occupied one- to four-family residential | ​ | ​ | 2,568 | ​ | ​ | 462 | ​ | ​ | 722 | ​ | ​ | 3,752 | ​ | ​ | 774,781 | ​ | ​ | 778,533 | ​ | ​ | —
Non-owner occupied one- to four-family residential | ​ | ​ | — | ​ | ​ | 63 | ​ | ​ | — | ​ | ​ | 63 | ​ | ​ | 124,807 | ​ | ​ | 124,870 | ​ | ​ | —
Commercial real estate | ​ | ​ | 196 | ​ | ​ | — | ​ | ​ | 1,579 | ​ | ​ | 1,775 | ​ | ​ | 1,528,888 | ​ | ​ | 1,530,663 | ​ | ​ | —
Other residential | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 781,761 | ​ | ​ | 781,761 | ​ | ​ | —
Commercial business | ​ | ​ | 8 | ​ | ​ | — | ​ | ​ | 586 | ​ | ​ | 594 | ​ | ​ | 292,634 | ​ | ​ | 293,228 | ​ | ​ | —
Industrial revenue bonds | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 12,852 | ​ | ​ | 12,852 | ​ | ​ | —
Consumer auto | ​ | ​ | 100 | ​ | ​ | 34 | ​ | ​ | 14 | ​ | ​ | 148 | ​ | ​ | 37,133 | ​ | ​ | 37,281 | ​ | ​ | —
Consumer other | ​ | ​ | 288 | ​ | ​ | 114 | ​ | ​ | 111 | ​ | ​ | 513 | ​ | ​ | 33,219 | ​ | ​ | 33,732 | ​ | ​ | —
Home equity lines of credit | ​ | ​ | 234 | ​ | ​ | 38 | ​ | ​ | 274 | ​ | ​ | 546 | ​ | ​ | 122,696 | ​ | ​ | 123,242 | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total | ​ | $ | 3,394 | ​ | $ | 711 | ​ | $ | 3,670 | ​ | $ | 7,775 | ​ | $ | 4,573,606 | ​ | $ | 4,581,381 | ​ | $ | —
​ Loans are placed on nonaccrual status at 90 days past due and interest is considered a loss unless the loan is well secured and in the process of collection. Payments received on nonaccrual loans are applied to principal until the loans are returned to accrual status. Loans are returned to accrual status when all payments contractually due are brought current, payment performance is sustained for a period of time, generally six months, and future payments are reasonably assured. With the exception of consumer loans, charge-offs on loans are recorded when available information indicates a loan is not fully collectible and the loss is reasonably quantifiable. Consumer loans are charged-off at specified delinquency dates consistent with regulatory guidelines. Non-accruing loans are summarized as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | September 30, |  | December 31,
​ | ​ | 2023 | ​ | 2022
​ | ​ | (In Thousands)
One- to four-family residential construction | ​ | $ | — | ​ | $ | —
Subdivision construction | ​ | ​ | — | ​ | ​ | —
Land development | ​ | ​ | 384 | ​ | ​ | 384
Commercial construction | ​ | ​ | — | ​ | ​ | —
Owner occupied one- to four-family residential | ​ | ​ | 242 | ​ | ​ | 722
Non-owner occupied one- to four-family residential | ​ | ​ | — | ​ | ​ | —
Commercial real estate | ​ | ​ | 10,131 | ​ | ​ | 1,579
Other residential | ​ | ​ | — | ​ | ​ | —
Commercial business | ​ | ​ | — | ​ | ​ | 586
Industrial revenue bonds | ​ | ​ | — | ​ | ​ | —
Consumer auto | ​ | ​ | 9 | ​ | ​ | 14
Consumer other | ​ | ​ | 33 | ​ | ​ | 111
Home equity lines of credit | ​ | ​ | 32 | ​ | ​ | 274
Total non-accruing loans | ​ | $ | 10,831 | ​ | $ | 3,670
​ No interest income was recorded on these loans for the three and nine months ended September 30, 2023 and 2022, respectively. Nonaccrual loans for which there is no related allowance for credit losses as of September 30, 2023 totaled $1.7 million. These loans are individually assessed and do not require an allowance due to being adequately collateralized under the collateral-dependent valuation method. A collateral-dependent loan is a financial asset for which the repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty based on the Company’s assessment as of the reporting date. Collateral-dependent loans are identified primarily by a classified risk rating with a loan balance equal to or greater than $100,000, including, but not limited to, any loan in process of foreclosure or repossession. The following table presents the activity in the allowance for credit losses by portfolio segment for the three and nine months ended September 30, 2023 and 2022. During the three months ended September 30, 2023, the Company did not record a provision expense on its portfolio of outstanding loans. During the nine months ended September 30, 2023, the Company recorded provision expense of $1.5 million on its portfolio of outstanding loans. During both the three and nine months ended September 30, 2022, the Company recorded provision expense of $2.0 million on its portfolio of outstanding loans. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | One- to Four- | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ |  | ​
​ | ​ | Family | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ |  | ​
​ | ​ | Residential and | ​ | Other | ​ | Commercial | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ |  | ​
​ |  | Construction |  | Residential |  | Real Estate |  | Construction |  | Business |  | Consumer |  | Total
​ | ​ | (In Thousands)
Allowance for credit losses | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, June 30, 2023 | ​ | $ | 11,818 | ​ | $ | 13,189 | ​ | $ | 25,508 | ​ | $ | 2,502 | ​ | $ | 7,827 | ​ | $ | 4,008 | ​ | $ | 64,852
Provision (credit) charged to expense | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Losses charged off | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (498) | ​ | ​ | (498)
Recoveries | ​ | ​ | 41 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 28 | ​ | ​ | 330 | ​ | ​ | 399
Balance, September 30, 2023 | ​ | $ | 11,859 | ​ | $ | 13,189 | ​ | $ | 25,508 | ​ | $ | 2,502 | ​ | $ | 7,855 | ​ | $ | 3,840 | ​ | $ | 64,753
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for credit losses | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, June 30, 2022 | ​ | $ | 9,434 | ​ | $ | 10,612 | ​ | $ | 28,604 | ​ | $ | 2,797 | ​ | $ | 4,365 | ​ | $ | 5,246 | ​ | $ | 61,058
Provision (credit) charged to expense | ​ | ​ | 1,076 | ​ | ​ | 881 | ​ | ​ | (1,105) | ​ | ​ | 265 | ​ | ​ | 1,302 | ​ | ​ | (419) | ​ | ​ | 2,000
Losses charged off | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (50) | ​ | ​ | (571) | ​ | ​ | (621)
Recoveries | ​ | ​ | 20 | ​ | ​ | — | ​ | ​ | 1 | ​ | ​ | — | ​ | ​ | 15 | ​ | ​ | 288 | ​ | ​ | 324
Balance, September 30, 2022 | ​ | $ | 10,530 | ​ | $ | 11,493 | ​ | $ | 27,500 | ​ | $ | 3,062 | ​ | $ | 5,632 | ​ | $ | 4,544 | ​ | $ | 62,761
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | One- to Four- | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ |
​ | ​ | Family | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ |
​ | ​ | Residential and | ​ | Other | ​ | Commercial | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ |
​ |  | Construction |  | Residential |  | Real Estate |  | Construction |  | Business |  | Consumer |  | Total
​ | ​ | (In Thousands)
Allowance for credit losses | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, January 1, 2023 | ​ | $ | 11,171 | ​ | $ | 12,110 | ​ | $ | 27,096 | ​ | $ | 2,865 | ​ | $ | 5,822 | ​ | $ | 4,416 | ​ | $ | 63,480
Provision (credit) charged to expense | ​ | ​ | 647 | ​ | ​ | 1,079 | ​ | ​ | (1,590) | ​ | ​ | (363) | ​ | ​ | 1,851 | ​ | ​ | (124) | ​ | ​ | 1,500
Losses charged off | ​ | ​ | (31) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (1,409) | ​ | ​ | (1,440)
Recoveries | ​ | ​ | 72 | ​ | ​ | — | ​ | ​ | 2 | ​ | ​ | — | ​ | ​ | 182 | ​ | ​ | 957 | ​ | ​ | 1,213
Balance, September 30, 2023 | ​ | $ | 11,859 | ​ | $ | 13,189 | ​ | $ | 25,508 | ​ | $ | 2,502 | ​ | $ | 7,855 | ​ | $ | 3,840 | ​ | $ | 64,753
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for credit losses | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, January 1, 2022 | ​ | $ | 9,364 | ​ | $ | 10,502 | ​ | $ | 28,604 | ​ | $ | 2,797 | ​ | $ | 4,142 | ​ | $ | 5,345 | ​ | $ | 60,754
Provision (credit) charged to expense | ​ |  | 1,076 | ​ | ​ | 881 | ​ | ​ | (1,105) | ​ | ​ | 265 | ​ | ​ | 1,302 | ​ | ​ | (419) | ​ | ​ | 2,000
Losses charged off | ​ |  | (38) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (50) | ​ | ​ | (1,403) | ​ | ​ | (1,491)
Recoveries | ​ |  | 128 | ​ | ​ | 110 | ​ | ​ | 1 | ​ | ​ | — | ​ | ​ | 238 | ​ | ​ | 1,021 | ​ | ​ | 1,498
Balance, September 30, 2022 | ​ | $ | 10,530 | ​ | $ | 11,493 | ​ | $ | 27,500 | ​ | $ | 3,062 | ​ | $ | 5,632 | ​ | $ | 4,544 | ​ | $ | 62,761
​ The following table presents the activity in the allowance for unfunded commitments by portfolio segment for the three and nine months ended September 30, 2023 and 2022. The provision for losses on unfunded commitments for the three months ended September 30, 2023 was a credit (negative expense) of $1.2 million, compared to a provision expense of $1.3 million for the three months ended September 30, 2022. The provision for losses on unfunded commitments for the nine months ended September 30, 2023 was a credit (negative expense) of $3.6 million, compared to a provision expense of $3.3 million for the nine months ended September 30, 2022. The analysis of the level and mix of unfunded commitments resulted in a decrease in the required reserve for such potential losses in the three and nine month periods of 2023 presented below. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | One- to Four- | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Family | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Residential and | ​ | Other | ​ | Commercial | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​
​ |  | Construction |  | Residential |  | Real Estate |  | Construction |  | Business |  | Consumer |  | Total
​ |  | (In Thousands)
Allowance for unfunded commitments | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, June 30, 2023 | ​ | $ | 758 | ​ | $ | 6,791 | ​ | $ | 464 | ​ | $ | 871 | ​ | $ | 987 | ​ | $ | 500 | ​ | $ | 10,371
Provision (credit) charged to expense | ​ | ​ | 146 | ​ | ​ | (1,412) | ​ | ​ | 33 | ​ | ​ | 108 | ​ | ​ | (34) | ​ | ​ | (36) | ​ | ​ | (1,195)
Balance, September 30, 2023 | ​ | $ | 904 | ​ | $ | 5,379 | ​ | $ | 497 | ​ | $ | 979 | ​ | $ | 953 | ​ | $ | 464 | ​ | $ | 9,176
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for unfunded commitments | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, June 30, 2022 | ​ | $ | 1,138 | ​ | $ | 7,419 | ​ | $ | 501 | ​ | $ | 695 | ​ | $ | 1,406 | ​ | $ | 500 | ​ | $ | 11,659
Provision (credit) charged to expense | ​ |  | (401) | ​ | ​ | 967 | ​ | ​ | 17 | ​ | ​ | 553 | ​ | ​ | 146 | ​ | ​ | 33 | ​ | ​ | 1,315
Balance, September 30, 2022 | ​ | $ | 737 | ​ | $ | 8,386 | ​ | $ | 518 | ​ | $ | 1,248 | ​ | $ | 1,552 | ​ | $ | 533 | ​ | $ | 12,974
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | One- to Four- | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ |
​ | ​ | Family | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ |
​ | ​ | Residential and | ​ | Other | ​ | Commercial | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ |
​ |  | Construction |  | Residential |  | Real Estate |  | Construction |  | Business |  | Consumer |  | Total
​ | ​ | (In Thousands)
Allowance for unfunded commitments | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, January 1, 2023 | ​ | $ | 736 | ​ | $ | 8,624 | ​ | $ | 416 | ​ | $ | 802 | ​ | $ | 1,734 | ​ | $ | 504 | ​ | $ | 12,816
Provision (credit) charged to expense |  | ​ | 168 | ​ | ​ | (3,245) | ​ | ​ | 81 | ​ | ​ | 177 | ​ | ​ | (781) | ​ | ​ | (40) | ​ | ​ | (3,640)
Balance, September 30, 2023 |  | $ | 904 | ​ | $ | 5,379 | ​ | $ | 497 | ​ | $ | 979 | ​ | $ | 953 | ​ | $ | 464 | ​ | $ | 9,176
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for unfunded commitments |  |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, January 1, 2022 |  | $ | 687 | ​ | $ | 5,703 | ​ | $ | 367 | ​ | $ | 908 | ​ | $ | 1,582 | ​ | $ | 382 | ​ | $ | 9,629
Provision (credit) charged to expense |  | ​ | 50 | ​ | ​ | 2,683 | ​ | ​ | 151 | ​ | ​ | 340 | ​ | ​ | (30) | ​ | ​ | 151 | ​ | ​ | 3,345
Balance, September 30, 2022 |  | $ | 737 | ​ | $ | 8,386 | ​ | $ | 518 | ​ | $ | 1,248 | ​ | $ | 1,552 | ​ | $ | 533 | ​ | $ | 12,974
​ The portfolio segments used in the preceding tables correspond to the loan classes used in all other tables in Note 6 as follows:
| ● | The one- to four-family residential and construction segment includes the one- to four-family residential construction, subdivision construction, owner occupied one- to four-family residential and non-owner occupied one- to four-family residential classes.
| ● | The other residential (multi-family) segment corresponds to the other residential class.
| ● | The commercial real estate segment includes the commercial real estate and industrial revenue bonds classes.
| ● | The commercial construction segment includes the land development and commercial construction classes.
| ● | The commercial business segment corresponds to the commercial business class.
| ● | The consumer segment includes the consumer auto, consumer other and home equity lines of credit classes.
The following table presents the collateral-dependent loans by class of loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2023 |  | December 31, 2022
​ | ​ | Principal |  | Specific | ​ | Principal | ​ | Specific
​ |  | Balance |  | Allowance |  | Balance |  | Allowance
​ | ​ | (In Thousands)
One- to four-family residential construction | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Subdivision construction | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Land development | ​ |  | 384 | ​ | ​ | 192 | ​ | ​ | 384 | ​ | ​ | —
Commercial construction | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Owner occupied one- to four- family residential | ​ |  | 151 | ​ | ​ | — | ​ | ​ | 1,637 | ​ | ​ | 40
Non-owner occupied one- to four-family residential | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Commercial real estate | ​ |  | 10,126 | ​ | ​ | 1,200 | ​ | ​ | 1,571 | ​ | ​ | —
Other residential | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Commercial business | ​ |  | — | ​ | ​ | — | ​ | ​ | 586 | ​ | ​ | 125
Industrial revenue bonds | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer auto | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer other | ​ |  | — | ​ | ​ | — | ​ | ​ | 160 | ​ | ​ | 80
Home equity lines of credit | ​ |  | — | ​ | ​ | — | ​ | ​ | 135 | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total | ​ | $ | 10,661 | ​ | $ | 1,392 | ​ | $ | 4,473 | ​ | $ | 245
​ Modified Loans. As indicated in Note 3, in March 2022, the FASB issued ASU 2022-02, Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures. ASU 2022-02 eliminates the troubled debt restructuring recognition and measurement guidance and, instead, requires that an entity evaluate whether the loan modification represents a new loan or a continuation of an existing loan. It also enhances existing disclosure requirements and introduces new disclosure requirements related to certain modifications of receivables made to borrowers experiencing financial difficulty. ASU 2022-02 became effective for the Company on January 1, 2023. Adoption of this ASU did not have a material impact on the Company’s results of operations, financial position or liquidity, but resulted in additional disclosure requirements related to gross charge offs by vintage year and the removal of troubled debt restructuring (“TDR”) disclosures, replaced by additional disclosures on the types of modifications of loans to borrowers experiencing financial difficulties. The Corporation has adopted this update prospectively. Under ASU 2022-02, loan modifications are reported if concessions have been granted to borrowers that are experiencing financial difficulty. Information on these loan modifications originated after the effective date is presented according to the new accounting guidance. Reporting periods prior to the adoption of ASU 2022-02 present information on TDRs under the previous disclosure requirements. The estimate of lifetime expected losses utilized in the allowance for credit losses model is developed using average historical loss on loans with similar risk characteristics, which includes losses from modifications of loans to borrowers experiencing financial difficulty. As a result, a change to the allowance for credit losses is generally not recorded upon modification. For modifications to loans made to borrowers experiencing financial difficulty that are adversely classified, the Company determines the allowance for credit losses on an individual basis, using the same process that it utilizes for other adversely classified loans. If collection efforts have begun and the modified loan is subsequently deemed collateral-dependent, the loan is placed on non-accrual status and the allowance for credit losses is determined based on an individual evaluation. If necessary, the loan is charged down to fair market value less sales costs. The following tables show the composition of loan modifications made to borrowers experiencing financial difficulty by the loan portfolio and type of concessions granted during the three and nine months ended September 30, 2023. Each of the types of concessions granted comprised 2% or less of their respective classes of loan portfolios at September 30, 2023. During the three and nine months ended September 30, 2023, principal forgiveness of $13,000 and $52,000, respectively, was completed on consumer loans. A commercial real estate loan modified in the three months ended March 31, 2023, which totaled $21.6 million, was paid in full during the three months ended June 30, 2023. Additionally, a one- to four-family residential loan of $143,000 and a commercial business loan of $16,000 were paid in full during the three months ended September 30, 2023. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended September 30, 2023
​ | ​ | Interest Rate | ​ | Term | ​ | ​ | ​ | Total
​ |  | Reduction |  | Extension |  | Combination |  | Modifications
​ | ​ | ​ | (In Thousands)
Construction and land development |  | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
One- to four-family residential |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Other residential |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Commercial real estate |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Commercial business |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer |  | ​ | — | ​ | ​ | 8 | ​ | ​ | — | ​ | ​ | 8
​ |  | $ | — | ​ | $ | 8 | ​ | $ | — | ​ | $ | 8
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nine Months Ended September 30, 2023
​ | ​ | Interest Rate | ​ | Term | ​ | ​ | ​ | Total
​ |  | Reduction |  | Extension |  | Combination |  | Modifications
​ | ​ | ​ | (In Thousands)
Construction and land development |  | $ | — | ​ | $ | — | ​ | $ | 1,673 | ​ | $ | 1,673
One- to four-family residential |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Other residential |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Commercial real estate |  | ​ | — | ​ | ​ | 77 | ​ | ​ | 20,895 | ​ | ​ | 20,972
Commercial business |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer |  | ​ | 6 | ​ | ​ | 8 | ​ | ​ | — | ​ | ​ | 14
​ |  | $ | 6 | ​ | $ | 85 | ​ | $ | 22,568 | ​ | $ | 22,659
​ The Company closely monitors the performance of loans to borrowers experiencing financial difficulty that are modified to understand the effectiveness of its modification efforts. The following table depicts the performance (under modified terms) at September 30, 2023 of loans that were modified during the nine months ended September 30, 2023: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2023
​ | ​ | ​ | ​ | 30-89 Days | ​ | Over 90 Days | ​ | ​
​ |  | Current | ​ | Past Due | ​ | Past Due | ​ | Total
​ | ​ | ​ | (In Thousands)
Construction and land development |  | $ | 1,673 | ​ | $ | — | ​ | $ | — | ​ | $ | 1,673
One- to four-family residential |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Other residential |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Commercial real estate |  | ​ | 12,433 | ​ | ​ | — | ​ | ​ | 8,539 | ​ | ​ | 20,972
Commercial business |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer |  | ​ | 14 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 14
​ |  | $ | 14,120 | ​ | $ | — | ​ | $ | 8,539 | ​ | $ | 22,659
​ TDRs by class are presented below as of December 31, 2022. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2022
​ | ​ | Accruing TDR Loans | ​ | Non-accruing TDR Loans | ​ | Total TDR Loans
​ |  | Number |  | Balance |  | Number |  | Balance |  | Number |  | Balance
​ | ​ | (In Thousands)
Construction and land development |  | — | ​ | $ | — | ​ | — | ​ | $ | — | ​ | — | ​ | $ | —
One- to four-family residential |  | 13 | ​ | ​ | 1,028 | ​ | 3 | ​ | ​ | 98 | ​ | 16 | ​ | ​ | 1,126
Other residential |  | — | ​ | ​ | — | ​ | — | ​ | ​ | — | ​ | — | ​ | ​ | —
Commercial real estate |  | — | ​ | ​ | — | ​ | 2 | ​ | ​ | 1,571 | ​ | 2 | ​ | ​ | 1,571
Commercial business |  | — | ​ | ​ | — | ​ | — | ​ | ​ | — | ​ | — | ​ | ​ | —
Consumer |  | 13 | ​ | ​ | 210 | ​ | 5 | ​ | ​ | 42 | ​ | 18 | ​ | ​ | 252
​ |  | 26 | ​ | $ | 1,238 | ​ | 10 | ​ | $ | 1,711 | ​ | 36 | ​ | $ | 2,949
​ The following table presents newly restructured loans, which were considered TDRs, during the three and nine months ended September 30, 2022, by type of modification: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Three Months Ended September 30, 2022
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Total
​ |  | Interest Only |  | Term |  | Combination |  | Modifications
​ |  | (In Thousands)
Commercial real estate | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Consumer | ​ | ​ | — | ​ | ​ | — | ​ |  | — | ​ |  | —
​ | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Nine Months Ended September 30, 2022
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Total
​ | ​ | Interest Only |  | Term |  | Combination |  | Modifications
​ |  | ​ | (In Thousands)
Commercial real estate | ​ | $ | — | ​ | $ | — | ​ | $ | 247 | ​ | $ | 247
Consumer | ​ |  | — | ​ |  | 4 | ​ |  | 3 | ​ |  | 7
​ | ​ | $ | — | ​ | $ | 4 | ​ | $ | 250 | ​ | $ | 254
​ At December 31, 2022, of the $2.9 million in TDRs, $1.7 million were classified as substandard using the Company’s internal grading system. The Company had no TDRs that were modified in the previous 12 months and subsequently defaulted during the year ended December 31, 2022. During the three and nine months ended September 30, 2022, $66,000 and $578,000 of loans, respectively, met the criteria for placement back on accrual status. The criteria are generally a minimum of six months of consistent and timely payment performance under original or modified terms. Loan Risk Ratings. The nature and extent of impairments of modified loans, including those which have experienced a subsequent payment default, are considered in the determination of an appropriate level of the allowance for credit losses. The Company utilizes an internal risk rating system comprised of a series of grades to categorize loans according to perceived risk associated with the expectation of debt repayment. The analysis of the borrower’s ability to repay considers specific information, including but not limited to current financial information, historical payment experience, industry information, collateral levels and collateral types. A risk rating is assigned at loan origination and then monitored throughout the contractual term for possible risk rating changes. Satisfactory loans range from Excellent to Moderate Risk, but generally are loans supported by strong recent financial statements. The character and capacity of the borrower are strong, including reasonable project performance, good industry experience, liquidity and/or net worth. The probability of financial deterioration seems unlikely. Repayment is expected from approved sources over a reasonable period of time. Watch loans are identified when the borrower has capacity to perform according to terms; however, elements of uncertainty exist. Margins of debt service coverage may be narrow, historical patterns of financial performance may be erratic, collateral margins may be diminished and the borrower may be a new and/or thinly capitalized company. Some management weakness may also exist, the borrower may have somewhat limited access to other financial institutions, and that access may diminish in difficult economic times. Special Mention loans have weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of repayment prospects or the Bank’s credit position at some future date. It is a transitional grade that is closely monitored for improvement or deterioration. The Substandard rating is applied to loans where the borrower exhibits well-defined weaknesses that jeopardize its continued performance and are of a severity that the distinct possibility of default exists. Loans are placed on “non-accrual” when management does not expect to collect payments consistent with acceptable and agreed upon terms of repayment. Doubtful loans have all the weaknesses inherent to those classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, highly questionable and improbable. The Loss category is used when loans are considered uncollectable and no longer included as an asset. All loans are analyzed for risk rating updates regularly. For larger loans, rating assessments may be more frequent if relevant information is obtained earlier through debt covenant monitoring or overall relationship management. Smaller loans are monitored as identified by the loan officer based on the risk profile of the individual borrower or if the loan becomes past due related to credit issues. Loans rated Watch, Special Mention, Substandard or Doubtful are subject to quarterly review and monitoring processes. In addition to the regular monitoring performed by the lending personnel and credit committees, loans are subject to review by the credit review department, which verifies the appropriateness of the risk ratings for the loans chosen as part of its risk-based review plan. The following table presents a summary of loans by category and risk rating separated by origination and loan class as of September 30, 2023. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Term Loans by Origination Year |  |  |  |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​
​ |  | 2023 YTD |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Loans |  | Total
​ | ​ | (In Thousands)
One- to four-family residential construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | $ | 13,022 | ​ | $ | 10,877 | ​ | $ | 835 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 4,649 | ​ | $ | 29,383
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ |  | 13,022 | ​ | ​ | 10,877 | ​ | ​ | 835 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,649 | ​ | ​ | 29,383
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Subdivision construction | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 363 | ​ | ​ | 1,097 | ​ | ​ | 24,424 | ​ | ​ | 50 | ​ | ​ | 65 | ​ | ​ | 413 | ​ | ​ | — | ​ | ​ | 26,412
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ |  | 363 | ​ | ​ | 1,097 | ​ | ​ | 24,424 | ​ | ​ | 50 | ​ | ​ | 65 | ​ | ​ | 413 | ​ | ​ | — | ​ | ​ | 26,412
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 16,283 | ​ | ​ | 15,588 | ​ | ​ | 5,649 | ​ | ​ | 3,693 | ​ | ​ | 7,389 | ​ | ​ | 4,788 | ​ | ​ | 859 | ​ | ​ | 54,249
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 384 | ​ | ​ | 384
Total | ​ |  | 16,283 | ​ | ​ | 15,588 | ​ | ​ | 5,649 | ​ | ​ | 3,693 | ​ | ​ | 7,389 | ​ | ​ | 4,788 | ​ | ​ | 1,243 | ​ | ​ | 54,633
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other construction | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 35,953 | ​ | ​ | 368,118 | ​ | ​ | 319,605 | ​ | ​ | 27,142 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 750,818
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ |  | 35,953 | ​ | ​ | 368,118 | ​ | ​ | 319,605 | ​ | ​ | 27,142 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 750,818
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
One- to four-family residential | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 55,875 | ​ | ​ | 335,152 | ​ | ​ | 208,093 | ​ | ​ | 110,425 | ​ | ​ | 62,448 | ​ | ​ | 122,613 | ​ | ​ | 476 | ​ | ​ | 895,082
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 173 | ​ | ​ | 1,050 | ​ | ​ | 49 | ​ | ​ | 1,272
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 150 | ​ | ​ | — | ​ | ​ | 328 | ​ | ​ | — | ​ | ​ | 478
Total | ​ |  | 55,875 | ​ | ​ | 335,152 | ​ | ​ | 208,093 | ​ | ​ | 110,575 | ​ | ​ | 62,621 | ​ | ​ | 123,991 | ​ | ​ | 525 | ​ | ​ | 896,832
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other residential | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 13,533 | ​ | ​ | 72,663 | ​ | ​ | 276,593 | ​ | ​ | 218,514 | ​ | ​ | 109,017 | ​ | ​ | 141,056 | ​ | ​ | 3,574 | ​ | ​ | 834,950
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 10,423 | ​ | ​ | — | ​ | ​ | 10,423
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ |  | 13,533 | ​ | ​ | 72,663 | ​ | ​ | 276,593 | ​ | ​ | 218,514 | ​ | ​ | 109,017 | ​ | ​ | 151,479 | ​ | ​ | 3,574 | ​ | ​ | 845,373
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 27,510 | ​ | ​ | 253,867 | ​ | ​ | 226,811 | ​ | ​ | 106,019 | ​ | ​ | 162,782 | ​ | ​ | 669,086 | ​ | ​ | 37,931 | ​ | ​ | 1,484,006
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 5,377 | ​ | ​ | — | ​ | ​ | 5,377
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,400 | ​ | ​ | — | ​ | ​ | 4,400
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 10,132 | ​ | ​ | — | ​ | ​ | 10,132
Total | ​ |  | 27,510 | ​ | ​ | 253,867 | ​ | ​ | 226,811 | ​ | ​ | 106,019 | ​ | ​ | 162,782 | ​ | ​ | 688,995 | ​ | ​ | 37,931 | ​ | ​ | 1,503,915
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial business | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 54,327 | ​ | ​ | 85,991 | ​ | ​ | 41,400 | ​ | ​ | 30,971 | ​ | ​ | 10,636 | ​ | ​ | 61,420 | ​ | ​ | 52,548 | ​ | ​ | 337,293
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,376 | ​ | ​ | — | ​ | ​ | 1,376
Special Mention (6) | ​ |  | — | ​ | ​ | 1,230 | ​ | ​ | 4,841 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 11,200 | ​ | ​ | 17,271
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ |  | 54,327 | ​ | ​ | 87,221 | ​ | ​ | 46,241 | ​ | ​ | 30,971 | ​ | ​ | 10,636 | ​ | ​ | 62,796 | ​ | ​ | 63,748 | ​ | ​ | 355,940
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 14,008 | ​ | ​ | 13,726 | ​ | ​ | 7,170 | ​ | ​ | 3,374 | ​ | ​ | 1,161 | ​ | ​ | 13,268 | ​ | ​ | 120,640 | ​ | ​ | 173,347
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | 23 | ​ | ​ | — | ​ | ​ | 4 | ​ | ​ | 160 | ​ | ​ | 227 | ​ | ​ | 414
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | 1 | ​ | ​ | 12 | ​ | ​ | — | ​ | ​ | 129 | ​ | ​ | 32 | ​ | ​ | 174
Total | ​ |  | 14,008 | ​ | ​ | 13,726 | ​ | ​ | 7,194 | ​ | ​ | 3,386 | ​ | ​ | 1,165 | ​ | ​ | 13,557 | ​ | ​ | 120,899 | ​ | ​ | 173,935
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Combined | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 230,874 | ​ | ​ | 1,157,079 | ​ | ​ | 1,110,580 | ​ | ​ | 500,188 | ​ | ​ | 353,498 | ​ | ​ | 1,012,644 | ​ | ​ | 220,677 | ​ | ​ | 4,585,540
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | 23 | ​ | ​ | — | ​ | ​ | 177 | ​ | ​ | 18,386 | ​ | ​ | 276 | ​ | ​ | 18,862
Special Mention (6) | ​ |  | — | ​ | ​ | 1,230 | ​ | ​ | 4,841 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,400 | ​ | ​ | 11,200 | ​ | ​ | 21,671
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | 1 | ​ | ​ | 162 | ​ | ​ | — | ​ | ​ | 10,589 | ​ | ​ | 416 | ​ | ​ | 11,168
Total | ​ | $ | 230,874 | ​ | $ | 1,158,309 | ​ | $ | 1,115,445 | ​ | $ | 500,350 | ​ | $ | 353,675 | ​ | $ | 1,046,019 | ​ | $ | 232,569 | ​ | $ | 4,637,241
​ The following table presents a summary of loans by category and risk rating separated by origination and loan class as of December 31, 2022. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Term Loans by Origination Year | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​
​ |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Loans |  | Total
​ | ​ | (In Thousands)
One- to four-family residential construction | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ |
Satisfactory (1-4) | ​ | $ | 21,885 | ​ | $ | 7,265 | ​ | $ | 1,391 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 3,308 | ​ | $ | 33,849
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ | ​ | 21,885 | ​ | ​ | 7,265 | ​ | ​ | 1,391 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3,308 | ​ | ​ | 33,849
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Subdivision construction | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 4,478 | ​ | ​ | 25,864 | ​ | ​ | 800 | ​ | ​ | 203 | ​ | ​ | 134 | ​ | ​ | 588 | ​ | ​ | — | ​ | ​ | 32,067
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ | ​ | 4,478 | ​ | ​ | 25,864 | ​ | ​ | 800 | ​ | ​ | 203 | ​ | ​ | 134 | ​ | ​ | 588 | ​ | ​ | — | ​ | ​ | 32,067
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 16,746 | ​ | ​ | 6,914 | ​ | ​ | 4,866 | ​ | ​ | 7,338 | ​ | ​ | 762 | ​ | ​ | 3,990 | ​ | ​ | 613 | ​ | ​ | 41,229
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 384 | ​ | ​ | 384
Total | ​ | ​ | 16,746 | ​ | ​ | 6,914 | ​ | ​ | 4,866 | ​ | ​ | 7,338 | ​ | ​ | 762 | ​ | ​ | 3,990 | ​ | ​ | 997 | ​ | ​ | 41,613
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other construction | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 113,512 | ​ | ​ | 446,125 | ​ | ​ | 176,340 | ​ | ​ | 21,713 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 757,690
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ |  | 113,512 | ​ | ​ | 446,125 | ​ | ​ | 176,340 | ​ | ​ | 21,713 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 757,690
​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
One- to four-family residential | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 340,886 | ​ | ​ | 219,504 | ​ | ​ | 128,509 | ​ | ​ | 73,162 | ​ | ​ | 39,685 | ​ | ​ | 97,236 | ​ | ​ | 687 | ​ | ​ | 899,669
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 179 | ​ | ​ | 88 | ​ | ​ | 1,341 | ​ | ​ | 57 | ​ | ​ | 1,665
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 158 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,832 | ​ | ​ | 79 | ​ | ​ | 2,069
Total | ​ | ​ | 340,886 | ​ | ​ | 219,504 | ​ | ​ | 128,667 | ​ | ​ | 73,341 | ​ | ​ | 39,773 | ​ | ​ | 100,409 | ​ | ​ | 823 | ​ | ​ | 903,403
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other residential | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 83,822 | ​ | ​ | 133,648 | ​ | ​ | 168,232 | ​ | ​ | 142,630 | ​ | ​ | 122,614 | ​ | ​ | 123,538 | ​ | ​ | 3,939 | ​ | ​ | 778,423
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3,338 | ​ | ​ | — | ​ | ​ | 3,338
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ |  | 83,822 | ​ | ​ | 133,648 | ​ | ​ | 168,232 | ​ | ​ | 142,630 | ​ | ​ | 122,614 | ​ | ​ | 126,876 | ​ | ​ | 3,939 | ​ | ​ | 781,761
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 221,341 | ​ | ​ | 171,484 | ​ | ​ | 109,939 | ​ | ​ | 203,426 | ​ | ​ | 185,682 | ​ | ​ | 577,216 | ​ | ​ | 36,658 | ​ | ​ | 1,505,746
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 23,338 | ​ | ​ | — | ​ | ​ | 23,338
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,579 | ​ | ​ | — | ​ | ​ | 1,579
Total | ​ | ​ | 221,341 | ​ | ​ | 171,484 | ​ | ​ | 109,939 | ​ | ​ | 203,426 | ​ | ​ | 185,682 | ​ | ​ | 602,133 | ​ | ​ | 36,658 | ​ | ​ | 1,530,663
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial business | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 45,349 | ​ | ​ | 66,258 | ​ | ​ | 39,645 | ​ | ​ | 15,505 | ​ | ​ | 9,309 | ​ | ​ | 65,307 | ​ | ​ | 64,088 | ​ | ​ | 305,461
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 34 | ​ | ​ | — | ​ | ​ | 34
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 394 | ​ | ​ | 191 | ​ | ​ | 585
Total | ​ | ​ | 45,349 | ​ | ​ | 66,258 | ​ | ​ | 39,645 | ​ | ​ | 15,505 | ​ | ​ | 9,309 | ​ | ​ | 65,735 | ​ | ​ | 64,279 | ​ | ​ | 306,080
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 21,309 | ​ | ​ | 11,168 | ​ | ​ | 5,711 | ​ | ​ | 2,708 | ​ | ​ | 3,263 | ​ | ​ | 16,380 | ​ | ​ | 132,792 | ​ | ​ | 193,331
Watch (5) | ​ | ​ | — | ​ | ​ | 28 | ​ | ​ | — | ​ | ​ | 7 | ​ | ​ | — | ​ | ​ | 160 | ​ | ​ | 100 | ​ | ​ | 295
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ | ​ | — | ​ | ​ | 11 | ​ | ​ | 9 | ​ | ​ | — | ​ | ​ | 2 | ​ | ​ | 248 | ​ | ​ | 359 | ​ | ​ | 629
Total | ​ | ​ | 21,309 | ​ | ​ | 11,207 | ​ | ​ | 5,720 | ​ | ​ | 2,715 | ​ | ​ | 3,265 | ​ | ​ | 16,788 | ​ | ​ | 133,251 | ​ | ​ | 194,255
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Combined | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 869,328 | ​ | ​ | 1,088,230 | ​ | ​ | 635,433 | ​ | ​ | 466,685 | ​ | ​ | 361,449 | ​ | ​ | 884,255 | ​ | ​ | 242,085 | ​ | ​ | 4,547,465
Watch (5) | ​ |  | — | ​ | ​ | 28 | ​ | ​ | — | ​ | ​ | 186 | ​ | ​ | 88 | ​ | ​ | 28,211 | ​ | ​ | 157 | ​ | ​ | 28,670
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ |  | — | ​ | ​ | 11 | ​ | ​ | 167 | ​ | ​ | — | ​ | ​ | 2 | ​ | ​ | 4,053 | ​ | ​ | 1,013 | ​ | ​ | 5,246
Total | ​ | $ | 869,328 | ​ | $ | 1,088,269 | ​ | $ | 635,600 | ​ | $ | 466,871 | ​ | $ | 361,539 | ​ | $ | 916,519 | ​ | $ | 243,255 | ​ | $ | 4,581,381
​

X
- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Publisher FASB -URI https://asc.fasb.org//310-10/tableOfContent + Details
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Namespace Prefix: | us-gaap_
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X
- References No definition available. + Details
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Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
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