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LOANS AND ALLOWANCE FOR CREDIT LOSSES | 3 Months Ended
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Mar. 31, 2024
LOANS AND ALLOWANCE FOR CREDIT LOSSES |
LOANS AND ALLOWANCE FOR CREDIT LOSSES | NOTE 6: LOANS AND ALLOWANCE FOR CREDIT LOSSES 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, the Company is required to record 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 March 31, 2024 and December 31, 2023 were as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | March 31, |  | December 31, |
​ | ​ | 2024 | ​ | 2023 |
​ | ​ | (In Thousands) |
One- to four-family residential construction |  | $ | 33,984 | ​ | $ | 29,628 | ​
Subdivision construction | ​ | ​ | 20,252 | ​ | ​ | 23,359 | ​
Land development | ​ | ​ | 45,878 | ​ | ​ | 48,015 | ​
Commercial construction | ​ | ​ | 692,550 | ​ | ​ | 703,407 | ​
Owner occupied one- to four-family residential | ​ | ​ | 757,975 | ​ | ​ | 769,260 | ​
Non-owner occupied one- to four-family residential | ​ | ​ | 122,383 | ​ | ​ | 121,275 | ​
Commercial real estate | ​ | ​ | 1,502,625 | ​ | ​ | 1,521,032 | ​
Other residential (multi-family) | ​ | ​ | 1,040,306 | ​ | ​ | 942,071 | ​
Commercial business | ​ | ​ | 259,476 | ​ | ​ | 318,050 | ​
Industrial revenue bonds | ​ | ​ | 11,812 | ​ | ​ | 12,047 | ​
Consumer auto | ​ | ​ | 26,953 | ​ | ​ | 28,343 | ​
Consumer other | ​ | ​ | 28,524 | ​ | ​ | 28,978 | ​
Home equity lines of credit | ​ | ​ | 115,399 | ​ | ​ | 115,883 | ​
​ | ​ | ​ | 4,658,117 | ​ | ​ | 4,661,348 | ​
Allowance for credit losses | ​ | ​ | (65,087) | ​ | ​ | (64,670) | ​
Deferred loan fees and gains, net | ​ | ​ | (6,777) | ​ | ​ | (7,058) | ​
​ |  | $ | 4,586,253 | ​ | $ | 4,589,620 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Weighted average interest rate | ​ | ​ | 6.26 | % | ​ | 6.25 | %
​ Classes of loans by aging were as follows as of the dates indicated: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | March 31, 2024
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | 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 |  | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 33,984 | ​ | $ | 33,984 | ​ | $ | —
Subdivision construction | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 20,252 | ​ | ​ | 20,252 | ​ | ​ | —
Land development | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 384 | ​ | ​ | 384 | ​ | ​ | 45,494 | ​ | ​ | 45,878 | ​ | ​ | —
Commercial construction | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 692,550 | ​ | ​ | 692,550 | ​ | ​ | —
Owner occupied one- to four-family residential | ​ | ​ | 2,385 | ​ | ​ | — | ​ | ​ | 626 | ​ | ​ | 3,011 | ​ | ​ | 754,964 | ​ | ​ | 757,975 | ​ | ​ | —
Non-owner occupied one- to four-family residential | ​ | ​ | 503 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 503 | ​ | ​ | 121,880 | ​ | ​ | 122,383 | ​ | ​ | —
Commercial real estate | ​ | ​ | 13,545 | ​ | ​ | — | ​ | ​ | 10,612 | ​ | ​ | 24,157 | ​ | ​ | 1,478,468 | ​ | ​ | 1,502,625 | ​ | ​ | —
Other residential (multi-family) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 9,572 | ​ | ​ | 9,572 | ​ | ​ | 1,030,734 | ​ | ​ | 1,040,306 | ​ | ​ | —
Commercial business | ​ | ​ | 823 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 823 | ​ | ​ | 258,653 | ​ | ​ | 259,476 | ​ | ​ | —
Industrial revenue bonds | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 11,812 | ​ | ​ | 11,812 | ​ | ​ | —
Consumer auto | ​ | ​ | 56 | ​ | ​ | 20 | ​ | ​ | 9 | ​ | ​ | 85 | ​ | ​ | 26,868 | ​ | ​ | 26,953 | ​ | ​ | —
Consumer other | ​ | ​ | 107 | ​ | ​ | 8 | ​ | ​ | 27 | ​ | ​ | 142 | ​ | ​ | 28,382 | ​ | ​ | 28,524 | ​ | ​ | —
Home equity lines of credit | ​ | ​ | 57 | ​ | ​ | — | ​ | ​ | 41 | ​ | ​ | 98 | ​ | ​ | 115,301 | ​ | ​ | 115,399 | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total | ​ | $ | 17,476 | ​ | $ | 28 | ​ | $ | 21,271 | ​ | $ | 38,775 | ​ | $ | 4,619,342 | ​ | $ | 4,658,117 | ​ | $ | —
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31, 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 |  | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 29,628 | ​ | $ | 29,628 | ​ | $ | —
Subdivision construction | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 23,359 | ​ | ​ | 23,359 | ​ | ​ | —
Land development | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 384 | ​ | ​ | 384 | ​ | ​ | 47,631 | ​ | ​ | 48,015 | ​ | ​ | —
Commercial construction | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 703,407 | ​ | ​ | 703,407 | ​ | ​ | —
Owner occupied one- to four-family residential | ​ | ​ | 2,778 | ​ | ​ | 125 | ​ | ​ | 722 | ​ | ​ | 3,625 | ​ | ​ | 765,635 | ​ | ​ | 769,260 | ​ | ​ | —
Non-owner occupied one- to four-family residential | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 121,275 | ​ | ​ | 121,275 | ​ | ​ | —
Commercial real estate | ​ | ​ | 187 | ​ | ​ | 92 | ​ | ​ | 10,552 | ​ | ​ | 10,831 | ​ | ​ | 1,510,201 | ​ | ​ | 1,521,032 | ​ | ​ | —
Other residential (multi-family) | ​ | ​ | 9,572 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 9,572 | ​ | ​ | 932,499 | ​ | ​ | 942,071 | ​ | ​ | —
Commercial business | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 31 | ​ | ​ | 31 | ​ | ​ | 318,019 | ​ | ​ | 318,050 | ​ | ​ | —
Industrial revenue bonds | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 12,047 | ​ | ​ | 12,047 | ​ | ​ | —
Consumer auto | ​ | ​ | 116 | ​ | ​ | 65 | ​ | ​ | 8 | ​ | ​ | 189 | ​ | ​ | 28,154 | ​ | ​ | 28,343 | ​ | ​ | —
Consumer other | ​ | ​ | 137 | ​ | ​ | — | ​ | ​ | 42 | ​ | ​ | 179 | ​ | ​ | 28,799 | ​ | ​ | 28,978 | ​ | ​ | —
Home equity lines of credit | ​ | ​ | 335 | ​ | ​ | 26 | ​ | ​ | 9 | ​ | ​ | 370 | ​ | ​ | 115,513 | ​ | ​ | 115,883 | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total | ​ | $ | 13,125 | ​ | $ | 308 | ​ | $ | 11,748 | ​ | $ | 25,181 | ​ | $ | 4,636,167 | ​ | $ | 4,661,348 | ​ | $ | —
​ 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: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | March 31, |  | December 31,
​ | ​ | 2024 | ​ | 2023
​ | ​ | (In Thousands)
One- to four-family residential construction | ​ | $ | — | ​ | $ | —
Subdivision construction | ​ | ​ | — | ​ | ​ | —
Land development | ​ | ​ | 384 | ​ | ​ | 384
Commercial construction | ​ | ​ | — | ​ | ​ | —
Owner occupied one- to four-family residential | ​ | ​ | 626 | ​ | ​ | 722
Non-owner occupied one- to four-family residential | ​ | ​ | — | ​ | ​ | —
Commercial real estate | ​ | ​ | 10,612 | ​ | ​ | 10,552
Other residential (multi-family) | ​ | ​ | 9,572 | ​ | ​ | —
Commercial business | ​ | ​ | — | ​ | ​ | 31
Industrial revenue bonds | ​ | ​ | — | ​ | ​ | —
Consumer auto | ​ | ​ | 9 | ​ | ​ | 8
Consumer other | ​ | ​ | 27 | ​ | ​ | 42
Home equity lines of credit | ​ | ​ | 41 | ​ | ​ | 9
Total non-accruing loans | ​ | $ | 21,271 | ​ | $ | 11,748
​ No interest income was recorded on nonaccrual loans for the three months ended March 31, 2024 and 2023, respectively. Nonaccrual loans for which there is no related allowance for credit losses as of March 31, 2024 and December 31, 2023, had an amortized cost of $2.6 million and $792,000, respectively. 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 months ended March 31, 2024 and 2023. During the three months ended March 31, 2024, the Company recorded provision expense of $500,000 on its portfolio of outstanding loans. During the three months ended March 31, 2023, the Company recorded provision expense of $1.5 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, 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) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (434) | ​ | ​ | (465)
Recoveries | ​ | ​ | 10 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 148 | ​ | ​ | 314 | ​ | ​ | 472
Balance, March 31, 2023 | ​ | $ | 11,797 | ​ | $ | 13,189 | ​ | $ | 25,506 | ​ | $ | 2,502 | ​ | $ | 7,821 | ​ | $ | 4,172 | ​ | $ | 64,987
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for credit losses | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, January 1, 2024 | ​ | $ | 9,820 | ​ | $ | 13,370 | ​ | $ | 28,171 | ​ | $ | 2,844 | ​ | $ | 6,935 | ​ | $ | 3,530 | ​ | $ | 64,670
Provision (credit) charged to expense | ​ | ​ | (107) | ​ | ​ | 516 | ​ | ​ | 1,298 | ​ | ​ | (96) | ​ | ​ | (1,596) | ​ | ​ | 485 | ​ | ​ | 500
Losses charged off | ​ | ​ | (56) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (31) | ​ | ​ | (340) | ​ | ​ | (427)
Recoveries | ​ | ​ | 3 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 88 | ​ | ​ | 253 | ​ | ​ | 344
Balance, March 31, 2024 | ​ | $ | 9,660 | ​ | $ | 13,886 | ​ | $ | 29,469 | ​ | $ | 2,748 | ​ | $ | 5,396 | ​ | $ | 3,928 | ​ | $ | 65,087
​ The following table presents the activity in the allowance for unfunded commitments by portfolio segment for the three months ended March 31, 2024 and 2023. The provision for losses on unfunded commitments for the three months ended March 31, 2024 was a provision expense of $130,000, compared to a credit (negative expense) of $826,000 for the three months ended March 31, 2023. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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 |  | ​ | 96 | ​ | ​ | (566) | ​ | ​ | 29 | ​ | ​ | 89 | ​ | ​ | (471) | ​ | ​ | (3) | ​ | ​ | (826)
Balance, March 31, 2023 |  | $ | 832 | ​ | $ | 8,058 | ​ | $ | 445 | ​ | $ | 891 | ​ | $ | 1,263 | ​ | $ | 501 | ​ | $ | 11,990
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for unfunded commitments |  |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, January 1, 2024 |  | $ | 706 | ​ | $ | 4,006 | ​ | $ | 619 | ​ | $ | 741 | ​ | $ | 959 | ​ | $ | 456 | ​ | $ | 7,487
Provision (credit) charged to expense |  | ​ | (27) | ​ | ​ | (28) | ​ | ​ | (5) | ​ | ​ | (232) | ​ | ​ | 394 | ​ | ​ | 28 | ​ | ​ | 130
Balance, March 31, 2024 |  | $ | 679 | ​ | $ | 3,978 | ​ | $ | 614 | ​ | $ | 509 | ​ | $ | 1,353 | ​ | $ | 484 | ​ | $ | 7,617
​ 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 (multi-family) 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 amortized cost basis of collateral-dependent loans by class of loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, 2024 |  | December 31, 2023
​ | ​ | Principal |  | Specific | ​ | Principal | ​ | Specific
​ |  | Balance |  | Allowance |  | Balance |  | Allowance
​ | ​ | (In Thousands)
One- to four-family residential construction | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Subdivision construction | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Land development | ​ |  | 384 | ​ | ​ | 13 | ​ | ​ | 384 | ​ | ​ | —
Commercial construction | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Owner occupied one- to four- family residential | ​ |  | 529 | ​ | ​ | 15 | ​ | ​ | 691 | ​ | ​ | 29
Non-owner occupied one- to four-family residential | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Commercial real estate | ​ |  | 10,523 | ​ | ​ | 1,200 | ​ | ​ | 10,548 | ​ | ​ | 1,200
Other residential (multi-family) | ​ |  | 16,734 | ​ | ​ | 126 | ​ | ​ | 7,162 | ​ | ​ | —
Commercial business | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Industrial revenue bonds | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer auto | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer other | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Home equity lines of credit | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total | ​ | $ | 28,170 | ​ | $ | 1,354 | ​ | $ | 18,785 | ​ | $ | 1,229
​ Modified Loans. 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 (TDR) 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. Adoption of this ASU on January 1, 2023 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 TDR disclosures, replaced by additional disclosures on the types of modifications of loans to borrowers experiencing financial difficulties. The Company has adopted this update prospectively. Loan modifications are reported if concessions have been granted to borrowers that are experiencing financial difficulty. 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 charge 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 estimated 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 as of the dates and for the periods indicated. Each of the types of concessions granted comprised 2.0% or less of their respective classes of loan portfolios. No new loan modifications were made to borrowers experiencing financial difficulty during the three months ending March 31, 2024. During the three months ended March 31, 2024, principal forgiveness of $14,000 was completed on consumer loans. During the three months ended March 31, 2023, principal forgiveness of $4,000 was completed on consumer loans. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Amortized Cost Basis at March 31, 2024
​ | ​ | Interest Rate | ​ | Term | ​ | ​ | ​ | Total
​ |  | Reduction |  | Extension |  | Combination |  | Modification
​ | ​ | ​ | (In Thousands)
Construction and land development |  | $ | — | ​ | $ | — | ​ | $ | 1,516 | ​ | $ | 1,516
One- to four-family residential |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Other residential (multi-family) |  | ​ | — | ​ | ​ | 2,744 | ​ | ​ | — | ​ | ​ | 2,744
Commercial real estate |  | ​ | — | ​ | ​ | 75 | ​ | ​ | 20,185 | ​ | ​ | 20,260
Commercial business |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer |  | ​ | 5 | ​ | ​ | 7 | ​ | ​ | — | ​ | ​ | 12
​ |  | $ | 5 | ​ | $ | 2,826 | ​ | $ | 21,701 | ​ | $ | 24,532
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Amortized Cost Basis at December 31, 2023
​ | ​ | Interest Rate | ​ | Term | ​ | ​ | ​ | Total
​ |  | Reduction |  | Extension |  | Combination |  | Modifications
​ | ​ | ​ | (In Thousands)
Construction and land development |  | $ | — | ​ | $ | — | ​ | $ | 1,553 | ​ | $ | 1,553
One- to four-family residential |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Other residential (multi-family) |  | ​ | — | ​ | ​ | 2,750 | ​ | ​ | — | ​ | ​ | 2,750
Commercial real estate |  | ​ | — | ​ | ​ | 77 | ​ | ​ | 20,365 | ​ | ​ | 20,442
Commercial business |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer |  | ​ | 5 | ​ | ​ | 7 | ​ | ​ | — | ​ | ​ | 12
​ |  | $ | 5 | ​ | $ | 2,834 | ​ | $ | 21,918 | ​ | $ | 24,757
​ 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 tables depict the performance (under modified terms) at March 31, 2024 and at December 31, 2023 of loans that were modified at March 31, 2024 and December 31, 2023, respectively: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, 2024
​ | ​ | ​ | ​ | 30-89 Days | ​ | Over 90 Days | ​ | ​
​ |  | Current |  | Past Due |  | Past Due |  | Total
​ | ​ | ​ | (In Thousands)
Construction and land development |  | $ | 1,516 | ​ | $ | — | ​ | $ | — | ​ | $ | 1,516
One- to four-family residential |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Other residential (multi-family) |  | ​ | 2,744 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,744
Commercial real estate |  | ​ | 12,333 | ​ | ​ | — | ​ | ​ | 7,927 | ​ | ​ | 20,260
Commercial business |  | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer |  | ​ | 12 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 12
​ |  | $ | 16,605 | ​ | $ | — | ​ | $ | 7,927 | ​ | $ | 24,532
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2023
​ | ​ | ​ | ​ | ​ | 30-89 Days | ​ | Over 90 Days | ​ | ​ | ​
​ | ​ | Current | ​ | Past Due | ​ | Past Due | ​ | Total
​ | ​ | (In Thousands)
Construction and land development |  | $ | 1,553 |  | $ | — |  | $ | — |  | $ | 1,553
One- to four-family residential | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Other residential (multi-family) | ​ |  | 2,750 | ​ |  | — | ​ |  | — | ​ |  | 2,750
Commercial real estate | ​ |  | 12,384 | ​ |  | — | ​ |  | 8,058 | ​ |  | 20,442
Commercial business | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Consumer | ​ |  | 12 | ​ |  | — | ​ |  | — | ​ |  | 12
​ | ​ | $ | 16,699 | ​ | $ | — | ​ | $ | 8,058 | ​ | $ | 24,757
​ Loan Risk Ratings. The nature and extent of impairments of modified loans, including those that 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 and collateral levels and 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 solid, 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. This is a transitional grade 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 tables present a summary of loans by category and risk rating separated by origination and loan class as of March 31, 2024 and December 31, 2023. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Term Loans by Origination Year |  |  |  |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​
March 31, 2024 |  | 2024 YTD |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Loans |  | Total
​ | ​ | (In Thousands)
One- to four-family residential construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | $ | 1,514 | ​ | $ | 16,483 | ​ | $ | 8,388 | ​ | $ | 40 | ​ | $ | — | ​ | $ | — | ​ | $ | 7,559 | ​ | $ | 33,984
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ |  | 1,514 | ​ | ​ | 16,483 | ​ | ​ | 8,388 | ​ | ​ | 40 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7,559 | ​ | ​ | 33,984
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Subdivision construction | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | — | ​ | ​ | 288 | ​ | ​ | 910 | ​ | ​ | 18,629 | ​ | ​ | 40 | ​ | ​ | 385 | ​ | ​ | — | ​ | ​ | 20,252
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ |  | — | ​ | ​ | 288 | ​ | ​ | 910 | ​ | ​ | 18,629 | ​ | ​ | 40 | ​ | ​ | 385 | ​ | ​ | — | ​ | ​ | 20,252
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 4,310 | ​ | ​ | 14,900 | ​ | ​ | 8,549 | ​ | ​ | 5,609 | ​ | ​ | 3,663 | ​ | ​ | 7,863 | ​ | ​ | 600 | ​ | ​ | 45,494
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 384 | ​ | ​ | 384
Total | ​ |  | 4,310 | ​ | ​ | 14,900 | ​ | ​ | 8,549 | ​ | ​ | 5,609 | ​ | ​ | 3,663 | ​ | ​ | 7,863 | ​ | ​ | 984 | ​ | ​ | 45,878
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other construction | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 4,182 | ​ | ​ | 80,004 | ​ | ​ | 445,698 | ​ | ​ | 144,609 | ​ | ​ | 18,057 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 692,550
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ |  | 4,182 | ​ | ​ | 80,004 | ​ | ​ | 445,698 | ​ | ​ | 144,609 | ​ | ​ | 18,057 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 692,550
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
One- to four-family residential | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 8,672 | ​ | ​ | 66,264 | ​ | ​ | 326,568 | ​ | ​ | 196,149 | ​ | ​ | 105,903 | ​ | ​ | 174,438 | ​ | ​ | 410 | ​ | ​ | 878,404
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 147 | ​ | ​ | 1,016 | ​ | ​ | 43 | ​ | ​ | 1,206
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 529 | ​ | ​ | — | ​ | ​ | 196 | ​ | ​ | 23 | ​ | ​ | 748
Total | ​ |  | 8,672 | ​ | ​ | 66,264 | ​ | ​ | 326,568 | ​ | ​ | 196,678 | ​ | ​ | 106,050 | ​ | ​ | 175,650 | ​ | ​ | 476 | ​ | ​ | 880,358
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | 49 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7 | ​ | ​ | — | ​ | ​ | 56
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other residential (multi-family) | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 275 | ​ | ​ | 48,301 | ​ | ​ | 167,404 | ​ | ​ | 449,119 | ​ | ​ | 182,031 | ​ | ​ | 170,103 | ​ | ​ | 3,595 | ​ | ​ | 1,020,828
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,744 | ​ | ​ | — | ​ | ​ | 2,744
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 16,734 | ​ | ​ | — | ​ | ​ | 16,734
Total | ​ |  | 275 | ​ | ​ | 48,301 | ​ | ​ | 167,404 | ​ | ​ | 449,119 | ​ | ​ | 182,031 | ​ | ​ | 189,581 | ​ | ​ | 3,595 | ​ | ​ | 1,040,306
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 5,112 | ​ | ​ | 54,577 | ​ | ​ | 322,082 | ​ | ​ | 219,937 | ​ | ​ | 98,783 | ​ | ​ | 748,883 | ​ | ​ | 33,060 | ​ | ​ | 1,482,434
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | 104 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 5,097 | ​ | ​ | — | ​ | ​ | 5,201
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,377 | ​ | ​ | — | ​ | ​ | 4,377
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 87 | ​ | ​ | — | ​ | ​ | 10,526 | ​ | ​ | — | ​ | ​ | 10,613
Total | ​ |  | 5,112 | ​ | ​ | 54,577 | ​ | ​ | 322,186 | ​ | ​ | 220,024 | ​ | ​ | 98,783 | ​ | ​ | 768,883 | ​ | ​ | 33,060 | ​ | ​ | 1,502,625
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial business | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 4,734 | ​ | ​ | 31,850 | ​ | ​ | 69,825 | ​ | ​ | 24,769 | ​ | ​ | 10,338 | ​ | ​ | 59,852 | ​ | ​ | 54,255 | ​ | ​ | 255,623
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 13 | ​ | ​ | — | ​ | ​ | 13
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | 1,142 | ​ | ​ | 3,755 | ​ | ​ | 43 | ​ | ​ | — | ​ | ​ | 10,700 | ​ | ​ | 15,640
Classified (7-9) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 12 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 12
Total | ​ |  | 4,734 | ​ | ​ | 31,850 | ​ | ​ | 70,967 | ​ | ​ | 28,524 | ​ | ​ | 10,393 | ​ | ​ | 59,865 | ​ | ​ | 64,955 | ​ | ​ | 271,288
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4 | ​ | ​ | 27 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 31
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 5,038 | ​ | ​ | 14,466 | ​ | ​ | 10,141 | ​ | ​ | 4,940 | ​ | ​ | 2,224 | ​ | ​ | 11,830 | ​ | ​ | 121,293 | ​ | ​ | 169,932
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | 3 | ​ | ​ | 19 | ​ | ​ | 5 | ​ | ​ | 202 | ​ | ​ | 152 | ​ | ​ | 381
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 393 | ​ | ​ | 393
Classified (7-9) | ​ |  | 2 | ​ | ​ | 20 | ​ | ​ | 28 | ​ | ​ | 10 | ​ | ​ | — | ​ | ​ | 67 | ​ | ​ | 43 | ​ | ​ | 170
Total | ​ |  | 5,040 | ​ | ​ | 14,486 | ​ | ​ | 10,172 | ​ | ​ | 4,969 | ​ | ​ | 2,229 | ​ | ​ | 12,099 | ​ | ​ | 121,881 | ​ | ​ | 170,876
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | 2 | ​ | ​ | 80 | ​ | ​ | 1 | ​ | ​ | 3 | ​ | ​ | 246 | ​ | ​ | 8 | ​ | ​ | 340
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Combined | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ |  | 33,837 | ​ | ​ | 327,133 | ​ | ​ | 1,359,565 | ​ | ​ | 1,063,801 | ​ | ​ | 421,039 | ​ | ​ | 1,173,354 | ​ | ​ | 220,772 | ​ | ​ | 4,599,501
Watch (5) | ​ |  | — | ​ | ​ | — | ​ | ​ | 107 | ​ | ​ | 19 | ​ | ​ | 152 | ​ | ​ | 6,328 | ​ | ​ | 195 | ​ | ​ | 6,801
Special Mention (6) | ​ |  | — | ​ | ​ | — | ​ | ​ | 1,142 | ​ | ​ | 3,755 | ​ | ​ | 43 | ​ | ​ | 7,121 | ​ | ​ | 11,093 | ​ | ​ | 23,154
Classified (7-9) | ​ |  | 2 | ​ | ​ | 20 | ​ | ​ | 28 | ​ | ​ | 626 | ​ | ​ | 12 | ​ | ​ | 27,523 | ​ | ​ | 450 | ​ | ​ | 28,661
Total | ​ | $ | 33,839 | ​ | $ | 327,153 | ​ | $ | 1,360,842 | ​ | $ | 1,068,201 | ​ | $ | 421,246 | ​ | $ | 1,214,326 | ​ | $ | 232,510 | ​ | $ | 4,658,117
Current Period Gross Charge Offs | ​ | $ | — | ​ | $ | 51 | ​ | $ | 80 | ​ | $ | 5 | ​ | $ | 30 | ​ | $ | 253 | ​ | $ | 8 | ​ | $ | 427
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Term Loans by Origination Year | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​
December 31, 2023 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Loans |  | Total
​ | ​ | (In Thousands)
One- to four-family residential construction | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ |
Satisfactory (1-4) | ​ | $ | 12,528 | ​ | $ | 9,878 | ​ | $ | 41 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 7,181 | ​ | $ | 29,628
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ | ​ | 12,528 | ​ | ​ | 9,878 | ​ | ​ | 41 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7,181 | ​ | ​ | 29,628
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Subdivision construction | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 532 | ​ | ​ | 1,022 | ​ | ​ | 21,333 | ​ | ​ | 43 | ​ | ​ | 64 | ​ | ​ | 365 | ​ | ​ | — | ​ | ​ | 23,359
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ | ​ | 532 | ​ | ​ | 1,022 | ​ | ​ | 21,333 | ​ | ​ | 43 | ​ | ​ | 64 | ​ | ​ | 365 | ​ | ​ | — | ​ | ​ | 23,359
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 14,860 | ​ | ​ | 12,564 | ​ | ​ | 5,658 | ​ | ​ | 3,682 | ​ | ​ | 5,458 | ​ | ​ | 4,531 | ​ | ​ | 878 | ​ | ​ | 47,631
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 384 | ​ | ​ | 384
Total | ​ | ​ | 14,860 | ​ | ​ | 12,564 | ​ | ​ | 5,658 | ​ | ​ | 3,682 | ​ | ​ | 5,458 | ​ | ​ | 4,531 | ​ | ​ | 1,262 | ​ | ​ | 48,015
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other construction | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 60,895 | ​ | ​ | 422,727 | ​ | ​ | 203,918 | ​ | ​ | 15,867 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 703,407
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ |  | 60,895 | ​ | ​ | 422,727 | ​ | ​ | 203,918 | ​ | ​ | 15,867 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 703,407
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
One- to four-family residential | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 66,733 | ​ | ​ | 330,489 | ​ | ​ | 203,781 | ​ | ​ | 108,232 | ​ | ​ | 60,288 | ​ | ​ | 118,570 | ​ | ​ | 483 | ​ | ​ | 888,576
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 171 | ​ | ​ | 862 | ​ | ​ | 46 | ​ | ​ | 1,079
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 543 | ​ | ​ | 148 | ​ | ​ | — | ​ | ​ | 189 | ​ | ​ | — | ​ | ​ | 880
Total | ​ | ​ | 66,733 | ​ | ​ | 330,489 | ​ | ​ | 204,324 | ​ | ​ | 108,380 | ​ | ​ | 60,459 | ​ | ​ | 119,621 | ​ | ​ | 529 | ​ | ​ | 890,535
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 11 | ​ | ​ | 20 | ​ | ​ | 31
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other residential (multi-family) | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 18,795 | ​ | ​ | 108,389 | ​ | ​ | 391,516 | ​ | ​ | 180,916 | ​ | ​ | 108,173 | ​ | ​ | 111,462 | ​ | ​ | 3,335 | ​ | ​ | 922,586
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 12,322 | ​ | ​ | — | ​ | ​ | 12,322
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7,163 | ​ | ​ | — | ​ | ​ | 7,163
Total | ​ |  | 18,795 | ​ | ​ | 108,389 | ​ | ​ | 391,516 | ​ | ​ | 180,916 | ​ | ​ | 108,173 | ​ | ​ | 130,947 | ​ | ​ | 3,335 | ​ | ​ | 942,071
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 53,158 | ​ | ​ | 284,738 | ​ | ​ | 237,822 | ​ | ​ | 103,393 | ​ | ​ | 161,680 | ​ | ​ | 624,515 | ​ | ​ | 35,276 | ​ | ​ | 1,500,582
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 154 | ​ | ​ | 5,348 | ​ | ​ | — | ​ | ​ | 5,502
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,396 | ​ | ​ | — | ​ | ​ | 4,396
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 10,552 | ​ | ​ | — | ​ | ​ | 10,552
Total | ​ | ​ | 53,158 | ​ | ​ | 284,738 | ​ | ​ | 237,822 | ​ | ​ | 103,393 | ​ | ​ | 161,834 | ​ | ​ | 644,811 | ​ | ​ | 35,276 | ​ | ​ | 1,521,032
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial business | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 58,551 | ​ | ​ | 92,224 | ​ | ​ | 30,361 | ​ | ​ | 15,371 | ​ | ​ | 10,043 | ​ | ​ | 55,044 | ​ | ​ | 57,177 | ​ | ​ | 318,771
Watch (5) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,369 | ​ | ​ | — | ​ | ​ | 1,369
Special Mention (6) | ​ | ​ | — | ​ | ​ | 1,186 | ​ | ​ | 3,840 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,900 | ​ | ​ | 9,926
Classified (7-9) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4 | ​ | ​ | 27 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 31
Total | ​ | ​ | 58,551 | ​ | ​ | 93,410 | ​ | ​ | 34,205 | ​ | ​ | 15,398 | ​ | ​ | 10,043 | ​ | ​ | 56,413 | ​ | ​ | 62,077 | ​ | ​ | 330,097
Current Period Gross Charge Offs | ​ | ​ | — | ​ | ​ | 7 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,030 | ​ | ​ | — | ​ | ​ | 1,037
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 16,629 | ​ | ​ | 12,010 | ​ | ​ | 6,163 | ​ | ​ | 2,811 | ​ | ​ | 828 | ​ | ​ | 12,089 | ​ | ​ | 122,166 | ​ | ​ | 172,696
Watch (5) | ​ | ​ | — | ​ | ​ | 3 | ​ | ​ | 21 | ​ | ​ | 6 | ​ | ​ | 3 | ​ | ​ | 201 | ​ | ​ | 154 | ​ | ​ | 388
Special Mention (6) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 8 | ​ | ​ | 8
Classified (7-9) | ​ | ​ | — | ​ | ​ | 42 | ​ | ​ | 12 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 49 | ​ | ​ | 9 | ​ | ​ | 112
Total | ​ | ​ | 16,629 | ​ | ​ | 12,055 | ​ | ​ | 6,196 | ​ | ​ | 2,817 | ​ | ​ | 831 | ​ | ​ | 12,339 | ​ | ​ | 122,337 | ​ | ​ | 173,204
Current Period Gross Charge Offs | ​ | ​ | 4 | ​ | ​ | 135 | ​ | ​ | 24 | ​ | ​ | 3 | ​ | ​ | 18 | ​ | ​ | 1,493 | ​ | ​ | 77 | ​ | ​ | 1,754
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Combined | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Satisfactory (1-4) | ​ | ​ | 302,681 | ​ | ​ | 1,274,041 | ​ | ​ | 1,100,593 | ​ | ​ | 430,315 | ​ | ​ | 346,534 | ​ | ​ | 926,576 | ​ | ​ | 226,496 | ​ | ​ | 4,607,236
Watch (5) | ​ |  | — | ​ | ​ | 3 | ​ | ​ | 21 | ​ | ​ | 6 | ​ | ​ | 328 | ​ | ​ | 7,780 | ​ | ​ | 200 | ​ | ​ | 8,338
Special Mention (6) | ​ |  | — | ​ | ​ | 1,186 | ​ | ​ | 3,840 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 16,718 | ​ | ​ | 4,908 | ​ | ​ | 26,652
Classified (7-9) | ​ |  | — | ​ | ​ | 42 | ​ | ​ | 559 | ​ | ​ | 175 | ​ | ​ | — | ​ | ​ | 17,953 | ​ | ​ | 393 | ​ | ​ | 19,122
Total | ​ | $ | 302,681 | ​ | $ | 1,275,272 | ​ | $ | 1,105,013 | ​ | $ | 430,496 | ​ | $ | 346,862 | ​ | $ | 969,027 | ​ | $ | 231,997 | ​ | $ | 4,661,348
Current Period Gross Charge Offs | ​ | $ | 4 | ​ | $ | 142 | ​ | $ | 24 | ​ | $ | 3 | ​ | $ | 18 | ​ | $ | 2,534 | ​ | $ | 97 | ​ | $ | 2,822
​

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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- References No definition available. + Details
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