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Loans and Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2024
Receivables [Abstract] |
Schedule of Loans, Net of Unamortized Net Deferred Fees | HFI Loans, net of unamortized net deferred fees, at December 31, 2024 and 2023 are summarized by portfolio segment as follows:
|  | December 31, 2024 |  | December 31, 2023
(dollars in thousands) |  | Amount |  | % |  | Amount |  | %
Commercial |  | $ | 1,183,341 |  |  | 15 | % |  | $ | 1,473,766 |  |  | 18 | %
PPP loans |  | 287 |  |  | — | % |  | 528 |  |  | — | %
Income producing - commercial real estate |  | 4,064,846 |  |  | 51 | % |  | 4,094,614 |  |  | 51 | %
Owner occupied - commercial real estate |  | 1,269,669 |  |  | 16 | % |  | 1,172,239 |  |  | 15 | %
Real estate mortgage - residential |  | 50,535 |  |  | 1 | % |  | 73,396 |  |  | 1 | %
Construction - commercial and residential |  | 1,210,763 |  |  | 15 | % |  | 969,766 |  |  | 12 | %
Construction - C&I (owner occupied) |  | 103,259 |  |  | 1 | % |  | 132,021 |  |  | 2 | %
Home equity |  | 51,130 |  |  | 1 | % |  | 51,964 |  |  | 1 | %
Other consumer |  | 1,058 |  |  | — |  |  | 401 |  |  | — |
Total loans |  | 7,934,888 |  |  | 100 | % |  | 7,968,695 |  |  | 100 | %
Less: allowance for credit losses |  | (114,390) |  |  |  |  | (85,940) |  |  |
Net loans (1) |  | $ | 7,820,498 |  |  |  |  | $ | 7,882,755 |  |  |
(1)Excludes accrued interest receivable of $42.9 million and $45.3 million at December 31, 2024 and 2023, respectively, which were recorded in other assets on the Consolidated Balance Sheets.
Schedule of Detail Activity in the Allowance for Credit Losses by Portfolio Segment | The following table details activity in the ACL by portfolio segment for the years ended December 31, 2024, 2023 and 2022. PPP loans are excluded from these tables since they do not carry an allowance for credit loss, as these loans are fully guaranteed as to principal and interest by the SBA, whose guarantee is backed by the full faith and credit of the U.S. Government. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
(dollars in thousands) |  | Commercial |  | Income Producing - Commercial Real Estate |  | Owner Occupied - Commercial Real Estate |  | Real Estate Mortgage - Residential |  | Construction -Commercial and Residential |  | Construction - C&I (Owner Occupied) |  | Home Equity |  | Other Consumer |  | Total
Year Ended December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of year |  | $ | 17,824 |  |  | $ | 40,050 |  |  | $ | 14,333 |  |  | $ | 861 |  |  | $ | 10,198 |  |  | $ | 1,992 |  |  | $ | 657 |  |  | $ | 25 |  |  | $ | 85,940 |
Loans charged-off |  | (4,906) |  |  | (30,284) |  |  | (3,800) |  |  | — |  |  | (129) |  |  | — |  |  | — |  |  | (88) |  |  | (39,207) |
Recoveries of loans previously charged-off |  | 373 |  |  | 185 |  |  | 94 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 652 |
Net loans (charged-off) and recovered |  | (4,533) |  |  | (30,099) |  |  | (3,706) |  |  | — |  |  | (129) |  |  | — |  |  | — |  |  | (88) |  |  | (38,555) |
Provision for (reversal of) credit losses |  | 6,099 |  |  | 45,234 |  |  | 12,027 |  |  | (251) |  |  | 4,516 |  |  | (710) |  |  | (4) |  |  | 94 |  |  | 67,005 |
Ending balance |  | $ | 19,390 |  |  | $ | 55,185 |  |  | $ | 22,654 |  |  | $ | 610 |  |  | $ | 14,585 |  |  | $ | 1,282 |  |  | $ | 653 |  |  | $ | 31 |  |  | $ | 114,390 |
Year Ended December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of year |  | $ | 15,655 |  |  | $ | 35,688 |  |  | $ | 12,702 |  |  | $ | 969 |  |  | $ | 7,195 |  |  | $ | 1,606 |  |  | $ | 555 |  |  | $ | 74 |  |  | $ | 74,444 |
Loans charged-off |  | (2,020) |  |  | (11,817) |  |  | — |  |  | — |  |  | (5,636) |  |  | — |  |  | — |  |  | (50) |  |  | (19,523) |
Recoveries of loans previously charged-off |  | 576 |  |  | — |  |  | 55 |  |  | — |  |  | 36 |  |  | — |  |  | — |  |  | 6 |  |  | 673 |
Net loans (charged-off) and recovered |  | (1,444) |  |  | (11,817) |  |  | 55 |  |  | — |  |  | (5,600) |  |  | — |  |  | — |  |  | (44) |  |  | (18,850) |
Provision for (reversal of) credit losses |  | 3,613 |  |  | 16,179 |  |  | 1,576 |  |  | (108) |  |  | 8,603 |  |  | 386 |  |  | 102 |  |  | (5) |  |  | 30,346 |
Ending balance |  | $ | 17,824 |  |  | $ | 40,050 |  |  | $ | 14,333 |  |  | $ | 861 |  |  | $ | 10,198 |  |  | $ | 1,992 |  |  | $ | 657 |  |  | $ | 25 |  |  | $ | 85,940 |
Year Ended December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of year |  | $ | 14,475 |  |  | $ | 38,287 |  |  | $ | 12,146 |  |  | $ | 449 |  |  | $ | 7,094 |  |  | $ | 2,005 |  |  | $ | 474 |  |  | $ | 35 |  |  | $ | 74,965 |
Loans charged-off |  | (1,561) |  |  | (1,355) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (79) |  |  | (2,995) |
Recoveries of loans previously charged-off |  | 713 |  |  | 25 |  |  | — |  |  | — |  |  | 1,627 |  |  | — |  |  | — |  |  | 6 |  |  | 2,371 |
Net loans (charged-off) and recovered |  | (848) |  |  | (1,330) |  |  | — |  |  | — |  |  | 1,627 |  |  | — |  |  | — |  |  | (73) |  |  | (624) |
Provision for (reversal of) credit losses |  | 2,028 |  |  | (1,269) |  |  | 556 |  |  | 520 |  |  | (1,526) |  |  | (399) |  |  | 81 |  |  | 112 |  |  | 103 |
Ending balance |  | $ | 15,655 |  |  | $ | 35,688 |  |  | $ | 12,702 |  |  | $ | 969 |  |  | $ | 7,195 |  |  | $ | 1,606 |  |  | $ | 555 |  |  | $ | 74 |  |  | $ | 74,444 |
Schedule of Amortized Cost Basis of Collateral-Dependent Loans by Class of Loans | The following table presents the amortized cost basis of collateral-dependent HFI loans by portfolio segment as of December 31, 2024 and 2023:
|  | December 31, 2024 |  | December 31, 2023
(dollars in thousands) |  | Business/Other Assets |  | Real Estate |  | Business/Other Assets |  | Real Estate
Commercial |  | $ | 1,214 |  |  | $ | 1,125 |  |  | $ | 1,674 |  |  | $ | 1,240 |
Income-producing-commercial real estate |  | 880 |  |  | 167,574 |  |  | 1,754 |  |  | 39,172 |
Owner occupied - commercial real estate |  | — |  |  | 37,746 |  |  | — |  |  | 19,836 |
Real estate mortgage- residential |  | — |  |  | — |  |  | — |  |  | 1,692 |
Construction - commercial and residential |  | — |  |  | — |  |  | — |  |  | 525 |
Home equity |  | — |  |  | 303 |  |  | — |  |  | 242 |
Other consumer |  | — |  |  | — |  |  | — |  |  | — |
Total |  | $ | 2,094 |  |  | $ | 206,748 |  |  | $ | 3,428 |  |  | $ | 62,707 |
Schedule of the Risk Category of Loans by Class of Loans |
(dollars in thousands) |  | Prior |  | 2020 |  | 2021 |  | 2022 |  | 2023 |  | 2024 |  | Revolving Loans Amort. Cost Basis |  | Revolving Loans Convert. to Term |  | Total
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 132,595 |  |  | $ | 26,775 |  |  | $ | 133,400 |  |  | $ | 110,439 |  |  | $ | 89,608 |  |  | $ | 104,927 |  |  | $ | 513,645 |  |  | $ | 4,394 |  |  | $ | 1,115,783 |
Special Mention |  | 7,828 |  |  | 3,479 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 18,384 |  |  | — |  |  | 29,691 |
Substandard |  | 11,404 |  |  | 3,713 |  |  | 2,128 |  |  | 519 |  |  | — |  |  | — |  |  | 12,223 |  |  | 7,880 |  |  | 37,867 |
Total |  | 151,827 |  |  | 33,967 |  |  | 135,528 |  |  | 110,958 |  |  | 89,608 |  |  | 104,927 |  |  | 544,252 |  |  | 12,274 |  |  | 1,183,341 |
YTD gross charge-offs |  | (4,350) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (506) |  |  | (50) |  |  | (4,906) |
PPP loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | — |  |  | — |  |  | 287 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 287 |
Income producing - commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,442,246 |  |  | 176,268 |  |  | 626,527 |  |  | 680,822 |  |  | 276,731 |  |  | 151,535 |  |  | 216,363 |  |  | 29,243 |  |  | 3,599,735 |
Special Mention |  | 74,251 |  |  | 91,643 |  |  | — |  |  | 20,600 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 186,494 |
Substandard |  | 266,309 |  |  | 1,808 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,500 |  |  | — |  |  | 278,617 |
Total |  | 1,782,806 |  |  | 269,719 |  |  | 626,527 |  |  | 701,422 |  |  | 276,731 |  |  | 151,535 |  |  | 226,863 |  |  | 29,243 |  |  | 4,064,846 |
YTD gross charge-offs |  | (29,898) |  |  | (386) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (30,284) |
Owner occupied - commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 622,258 |  |  | 57,611 |  |  | 219,162 |  |  | 39,221 |  |  | 138,860 |  |  | 69,623 |  |  | 299 |  |  | — |  |  | 1,147,034 |
Special Mention |  | 23,658 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 23,658 |
Substandard |  | 96,634 |  |  | 1,248 |  |  | — |  |  | 1,095 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 98,977 |
Total |  | 742,550 |  |  | 58,859 |  |  | 219,162 |  |  | 40,316 |  |  | 138,860 |  |  | 69,623 |  |  | 299 |  |  | — |  |  | 1,269,669 |
YTD gross charge-offs |  | (3,800) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (3,800) |
Real estate mortgage - residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 20,080 |  |  | 2,435 |  |  | 9,972 |  |  | 12,181 |  |  | 5,867 |  |  | — |  |  | — |  |  | — |  |  | 50,535 |
Total |  | 20,080 |  |  | 2,435 |  |  | 9,972 |  |  | 12,181 |  |  | 5,867 |  |  | — |  |  | — |  |  | — |  |  | 50,535 |
YTD gross charge-offs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | — |
Construction - commercial and residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 26,739 |  |  | 38,385 |  |  | 199,933 |  |  | 595,496 |  |  | 202,577 |  |  | 7,588 |  |  | 124,508 |  |  | — |  |  | 1,195,226 |
Special Mention |  | — |  |  | — |  |  | 4,964 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,964 |
Substandard |  | 5,683 |  |  | — |  |  | 4,890 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,573 |
Total |  | 32,422 |  |  | 38,385 |  |  | 209,787 |  |  | 595,496 |  |  | 202,577 |  |  | 7,588 |  |  | 124,508 |  |  | — |  |  | 1,210,763 |
YTD gross charge-offs |  | (129) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (129) |
Construction - C&I (owner occupied): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 6,063 |  |  | 24,632 |  |  | — |  |  | 36,544 |  |  | 8,458 |  |  | 26,730 |  |  | 832 |  |  | — |  |  | 103,259 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,366 |  |  | 71 |  |  | 35 |  |  | 116 |  |  | — |  |  | — |  |  | 48,443 |  |  | 765 |  |  | 50,796 |
Substandard |  | 59 |  |  | — |  |  | 222 |  |  | — |  |  | — |  |  | — |  |  | 53 |  |  | — |  |  | 334 |
Total |  | 1,425 |  |  | 71 |  |  | 257 |  |  | 116 |  |  | — |  |  | — |  |  | 48,496 |  |  | 765 |  |  | 51,130 |
YTD gross charge-offs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | — |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 3 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 49 |  |  | 1,006 |  |  | — |  |  | 1,058 |
YTD gross charge-offs |  | (70) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (17) |  |  | (1) |  |  | (88) |
Total Recorded Investment |  | $ | 2,737,176 |  |  | $ | 428,068 |  |  | $ | 1,201,520 |  |  | $ | 1,497,033 |  |  | $ | 722,101 |  |  | $ | 360,452 |  |  | $ | 946,256 |  |  | $ | 42,282 |  |  | $ | 7,934,888 |
Total YTD gross charge-offs |  | $ | (38,247) |  |  | $ | (386) |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | (523) |  |  | $ | (51) |  |  | $ | (39,207) |
(dollars in thousands) |  | Prior |  | 2019 |  | 2020 |  | 2021 |  | 2022 |  | 2023 |  | Revolving Loans Amort. Cost Basis |  | Revolving Loans Convert. to Term |  | Total
December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 157,563 |  |  | $ | 48,524 |  |  | $ | 39,133 |  |  | $ | 194,555 |  |  | $ | 149,320 |  |  | $ | 191,889 |  |  | $ | 623,684 |  |  | $ | 5,207 |  |  | $ | 1,409,875 |
Special Mention |  | 1,415 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,259 |  |  | — |  |  | 3,674 |
Substandard |  | 13,797 |  |  | 58 |  |  | 10,337 |  |  | 1,509 |  |  | 222 |  |  | — |  |  | 33,670 |  |  | 624 |  |  | 60,217 |
Total |  | 172,775 |  |  | 48,582 |  |  | 49,470 |  |  | 196,064 |  |  | 149,542 |  |  | 191,889 |  |  | 659,613 |  |  | 5,831 |  |  | 1,473,766 |
YTD gross charge-offs |  | (885) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (1,135) |  |  | (2,020) |
PPP loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | — |  |  | — |  |  | — |  |  | 528 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 528 |
Income producing - commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,257,937 |  |  | 326,999 |  |  | 328,743 |  |  | 517,957 |  |  | 732,291 |  |  | 327,126 |  |  | 263,317 |  |  | 1,845 |  |  | 3,756,215 |
Special Mention |  | 84,585 |  |  | 44,424 |  |  | 6,740 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 135,749 |
Substandard |  | 139,961 |  |  | 62,689 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 202,650 |
Total |  | 1,482,483 |  |  | 434,112 |  |  | 335,483 |  |  | 517,957 |  |  | 732,291 |  |  | 327,126 |  |  | 263,317 |  |  | 1,845 |  |  | 4,094,614 |
YTD gross charge-offs |  | (11,817) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (11,817) |
Owner occupied - commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 534,525 |  |  | 103,034 |  |  | 35,385 |  |  | 202,776 |  |  | 41,907 |  |  | 125,934 |  |  | 673 |  |  | 55 |  |  | 1,044,289 |
Special Mention |  | 54,288 |  |  | 13,348 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 67,636 |
Substandard |  | 37,167 |  |  | — |  |  | 1,274 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 21,873 |  |  | 60,314 |
Total |  | 625,980 |  |  | 116,382 |  |  | 36,659 |  |  | 202,776 |  |  | 41,907 |  |  | 125,934 |  |  | 673 |  |  | 21,928 |  |  | 1,172,239 |
Real estate mortgage - residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 22,877 |  |  | 7,545 |  |  | 2,186 |  |  | 15,967 |  |  | 14,756 |  |  | 5,895 |  |  | — |  |  | — |  |  | 69,226 |
Substandard |  | 4,170 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,170 |
Total |  | 27,047 |  |  | 7,545 |  |  | 2,186 |  |  | 15,967 |  |  | 14,756 |  |  | 5,895 |  |  | — |  |  | — |  |  | 73,396 |
Construction - commercial and residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 30,619 |  |  | 3,440 |  |  | 45,739 |  |  | 251,038 |  |  | 419,393 |  |  | 87,400 |  |  | 124,013 |  |  | — |  |  | 961,642 |
Substandard |  | 8,124 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8,124 |
Total |  | 38,743 |  |  | 3,440 |  |  | 45,739 |  |  | 251,038 |  |  | 419,393 |  |  | 87,400 |  |  | 124,013 |  |  | — |  |  | 969,766 |
YTD gross charge-offs |  | (136) |  |  | (5,500) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (5,636) |
Construction - C&I (owner occupied): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 18,551 |  |  | 4,265 |  |  | 56,361 |  |  | 618 |  |  | 33,237 |  |  | 12,619 |  |  | 6,370 |  |  | — |  |  | 132,021 |
Home equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,590 |  |  | — |  |  | 87 |  |  | 151 |  |  | 118 |  |  | — |  |  | 49,035 |  |  | 643 |  |  | 51,624 |
Substandard |  | — |  |  | 36 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 62 |  |  | 242 |  |  | 340 |
Total |  | 1,590 |  |  | 36 |  |  | 87 |  |  | 151 |  |  | 118 |  |  | — |  |  | 49,097 |  |  | 885 |  |  | 51,964 |
Other consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 46 |  |  | — |  |  | 354 |  |  | — |  |  | 401 |
Total |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 46 |  |  | — |  |  | 354 |  |  | — |  |  | 401 |
YTD gross charge-offs |  | (50) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (50) |
Total Recorded Investment |  | $ | 2,367,170 |  |  | $ | 614,362 |  |  | $ | 525,985 |  |  | $ | 1,185,099 |  |  | $ | 1,391,290 |  |  | $ | 750,863 |  |  | $ | 1,103,437 |  |  | $ | 30,489 |  |  | $ | 7,968,695 |
Total YTD gross charge-offs |  | $ | (12,888) |  |  | $ | (5,500) |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | (1,135) |  |  | $ | (19,523) |
Schedule of Information Related to Nonaccrual Loans by Class | The following table presents, by portfolio segment, information related to the amortized cost basis of nonaccrual HFI loans as of December 31, 2024 and 2023.
|  | December 31, 2024 |  | December 31, 2023
(dollars in thousands) |  | Nonaccrual with No Allowance for Credit Loss |  | Nonaccrual with an Allowance for Credit Losses |  | Total Nonaccrual Loans |  | Nonaccrual with No Allowance for Credit Loss |  | Nonaccrual with an Allowance for Credit Losses |  | Total Nonaccrual Loans
Commercial |  | $ | 1,439 |  |  | $ | 609 |  |  | $ | 2,048 |  |  | $ | 1,002 |  |  | $ | 1,047 |  |  | $ | 2,049 |
Income producing - commercial real estate |  | 47,224 |  |  | 121,230 |  |  | 168,454 |  |  | 40,926 |  |  | — |  |  | 40,926 |
Owner occupied - commercial real estate |  | 642 |  |  | 37,102 |  |  | 37,744 |  |  | 19,836 |  |  | — |  |  | 19,836 |
Real estate mortgage - residential |  | — |  |  | 157 |  |  | 157 |  |  | — |  |  | 1,946 |  |  | 1,946 |
Construction- commercial and residential |  | — |  |  | — |  |  | — |  |  | — |  |  | 525 |  |  | 525 |
Home equity |  | 303 |  |  | — |  |  | 303 |  |  | 242 |  |  | — |  |  | 242 |
Other consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total (1) |  | $ | 49,608 |  |  | $ | 159,098 |  |  | $ | 208,706 |  |  | $ | 62,006 |  |  | $ | 3,518 |  |  | $ | 65,524 |
(1)Gross coupon interest income of $8.8 million, $4.2 million and $558 thousand would have been recorded for years ended December 31, 2024, 2023 and 2022, respectively, if nonaccrual loans shown above had been current and in accordance with their original terms, while interest actually recorded on such loans were $4.1 million, $1.5 million and $17 thousand for the years ended December 31, 2024, 2023 and 2022, respectively. See Note 1 to the Consolidated Financial Statements for a description of the Company’s policy for placing loans on nonaccrual status.
Schedule by Class of Loan, an Aging Analysis and the Recorded Investments in Loans Past Due | The following table presents, by portfolio segment, an aging analysis and the recorded investments in HFI loans past due as of December 31, 2024 and 2023:
(dollars in thousands) |  | Loans 30-59 Days Past Due |  | Loans 60-89 Days Past Due |  | Loans 90 Days or More Past Due |  | Total Past Due Loans |  | Current Loans |  | Nonaccrual Loans |  | Total Recorded Investment in Loans
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 5,121 |  |  | $ | 3,759 |  |  | $ | — |  |  | $ | 8,880 |  |  | $ | 1,172,413 |  |  | $ | 2,048 |  |  | $ | 1,183,341 |
PPP loans |  | — |  |  | — |  |  | — |  |  | — |  |  | 287 |  |  | — |  |  | 287 |
Income producing - commercial real estate |  | 13,804 |  |  | — |  |  | — |  |  | 13,804 |  |  | 3,882,588 |  |  | 168,454 |  |  | 4,064,846 |
Owner occupied - commercial real estate |  | 2,968 |  |  | — |  |  | — |  |  | 2,968 |  |  | 1,228,957 |  |  | 37,744 |  |  | 1,269,669 |
Real estate mortgage – residential |  | — |  |  | — |  |  | — |  |  | — |  |  | 50,378 |  |  | 157 |  |  | 50,535 |
Construction - commercial and residential |  | — |  |  | 1,031 |  |  | — |  |  | 1,031 |  |  | 1,209,732 |  |  | — |  |  | 1,210,763 |
Construction - C&I (owner occupied) |  | — |  |  | — |  |  | — |  |  | — |  |  | 103,259 |  |  | — |  |  | 103,259 |
Home equity |  | 52 |  |  | — |  |  | — |  |  | 52 |  |  | 50,775 |  |  | 303 |  |  | 51,130 |
Other consumer |  | 28 |  |  | — |  |  | — |  |  | 28 |  |  | 1,030 |  |  | — |  |  | 1,058 |
Total |  | $ | 21,973 |  |  | $ | 4,790 |  |  | $ | — |  |  | $ | 26,763 |  |  | $ | 7,699,419 |  |  | $ | 208,706 |  |  | $ | 7,934,888 |
December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 985 |  |  | $ | 7,048 |  |  | $ | — |  |  | $ | 8,033 |  |  | $ | 1,463,684 |  |  | $ | 2,049 |  |  | $ | 1,473,766 |
PPP loans |  | — |  |  | — |  |  | — |  |  | — |  |  | 528 |  |  | — |  |  | 528 |
Income producing - commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,053,688 |  |  | 40,926 |  |  | 4,094,614 |
Owner occupied - commercial real estate |  | 1,274 |  |  | — |  |  | — |  |  | 1,274 |  |  | 1,151,129 |  |  | 19,836 |  |  | 1,172,239 |
Real estate mortgage – residential |  | 2,089 |  |  | — |  |  | — |  |  | 2,089 |  |  | 69,361 |  |  | 1,946 |  |  | 73,396 |
Construction - commercial and residential |  | 2,056 |  |  | — |  |  | — |  |  | 2,056 |  |  | 967,185 |  |  | 525 |  |  | 969,766 |
Construction - C&I (owner occupied) |  | — |  |  | — |  |  | — |  |  | — |  |  | 132,021 |  |  | — |  |  | 132,021 |
Home equity |  | 197 |  |  | — |  |  | — |  |  | 197 |  |  | 51,525 |  |  | 242 |  |  | 51,964 |
Other consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | 401 |  |  | — |  |  | 401 |
Total |  | $ | 6,601 |  |  | $ | 7,048 |  |  | $ | — |  |  | $ | 13,649 |  |  | $ | 7,889,522 |  |  | $ | 65,524 |  |  | $ | 7,968,695 |
Schedule of Loans Modified in Troubled Debt Restructurings | The following table presents the amortized cost basis as of December 31, 2024 and 2023, and the financial effect of HFI loans modified to borrowers experiencing financial difficulty during the years ended December 31, 2024 and 2023:
(dollars in thousands) |  |  |  | Term Extension |  | Combination - Term Extension and Principal Payment Delay |  | Combination - Principal Payment Delay and Interest Rate Reduction |  | Combination - Term Extension, Principal Payment Delay and Interest Rate Reduction |  | Total |  | Percentage of Total Loan Type |  | Weighted Average Term and Principal Payment Extension (1) |  | Weighted Average Interest Rate Reduction (2)
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  | $ | 27,249 |  |  | $ | 28,576 |  |  | $ | 7,728 |  |  | $ | — |  |  | $ | 63,553 |  |  | 5.3 | % |  | 13 months |  | 1.63 | %
Income producing - commercial real estate |  |  |  | 25,290 |  |  | 288,111 |  |  | — |  |  | 3,514 |  |  | 316,915 |  |  | 7.8 | % |  | 8 months |  | 3.59 | %
Owner occupied - commercial real estate |  |  |  | 870 |  |  | — |  |  | — |  |  | — |  |  | 870 |  |  | 0.1 | % |  | 12 months |  | — | %
Construction - commercial and residential |  |  |  | — |  |  | 20,454 |  |  | — |  |  | — |  |  | 20,454 |  |  | 1.7 | % |  | 9 months |  | — | %
Total |  |  |  | $ | 53,409 |  |  | $ | 337,141 |  |  | $ | 7,728 |  |  | $ | 3,514 |  |  | $ | 401,792 |  |  |  |  |  |  |
December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  | $ | 14,182 |  |  | $ | 21,003 |  |  | $ | — |  |  | $ | — |  |  | $ | 35,185 |  |  | 2.4 | % |  | 11 months |  | — | %
Income producing - commercial real estate |  |  |  | 7,191 |  |  | 62,356 |  |  | — |  |  | 106,256 |  |  | 175,803 |  |  | 4.3 | % |  | 16 months |  | 2.56 | %
Owner occupied - commercial real estate |  |  |  | — |  |  | 19,127 |  |  | — |  |  | — |  |  | 19,127 |  |  | 1.6 | % |  | 9 months |  | — | %
Construction - commercial and residential |  |  |  | 7,095 |  |  | — |  |  | — |  |  | — |  |  | 7,095 |  |  | 0.7 | % |  | 12 months |  | — | %
Total |  |  |  | $ | 28,468 |  |  | $ | 102,486 |  |  | $ | — |  |  | $ | 106,256 |  |  | $ | 237,210 |  |  |  |  |  |  |
(1)For loans that received multiple modifications during the year, weighted average term and principal payment extensions were calculated based on the aggregate impact of the extensions received during the period. (2)The weighted average is calculated based on the total amortized cost of loans, at the year-end, that received interest rate reduction modifications during the year. The following table presents the performance of HFI loans modified during the prior twelve months to borrowers experiencing financial difficulty during the years ended December 31, 2024 and 2023:
|  | December 31, 2024
|  | Payment Status (Amortized Cost Basis)
(dollars in thousands) |  | Current |  | 30-89 Days Past Due |  | 90 Days or More Past Due |  | Nonaccrual
Commercial |  | $ | 58,169 |  |  | $ | 5,384 |  |  | $ | — |  |  | $ | — |
Income producing - commercial real estate |  | 185,185 |  |  | — |  |  | — |  |  | 131,730 |
Owner occupied - commercial real estate |  | 870 |  |  | — |  |  | — |  |  | — |
Construction - commercial and residential |  | 20,454 |  |  | — |  |  | — |  |  | — |
Total |  | $ | 264,678 |  |  | $ | 5,384 |  |  | $ | — |  |  | $ | 131,730 |
|  | December 31, 2023
|  | Payment Status (Amortized Cost Basis)
(dollars in thousands) |  | Current |  | 30-89 Days Past Due |  | 90 Days or More Past Due |  | Nonaccrual
Commercial |  | $ | 30,790 |  |  | $ | 4,395 |  |  | $ | — |  |  | $ | — |
Income producing - commercial real estate |  | 137,252 |  |  | — |  |  | — |  |  | 38,551 |
Owner occupied - commercial real estate |  | — |  |  | — |  |  | — |  |  | 19,127 |
Construction - commercial and residential |  | 7,095 |  |  | — |  |  | — |  |  | — |
Total |  | $ | 175,137 |  |  | $ | 4,395 |  |  | $ | — |  |  | $ | 57,678 |
Schedule of Amortized Cost Basis of Loan Had a Payment Default | The following table presents the amortized cost basis of HFI loans that were experiencing payment default at December 31, 2024 and 2023 and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty:
|  | December 31, 2024
|  | Amortized Cost Basis
(dollars in thousands) |  | Term Extension |  | Combination - Term Extension and Principal Payment Delay |  | Combination - Term Extension, Principal Payment Delay and Interest Rate Reduction
Commercial |  | $ | 5,384 |  |  | $ | — |  |  | $ | — |
Income producing - commercial real estate |  | — |  |  | 131,730 |  |  | — |
Owner occupied - commercial real estate |  | — |  |  | — |  |  | — |
Construction - commercial and residential |  | — |  |  | — |  |  | — |
Total |  | $ | 5,384 |  |  | $ | 131,730 |  |  | $ | — |
|  | December 31, 2023
|  | Amortized Cost Basis
(dollars in thousands) |  | Term Extension |  | Combination - Term Extension and Principal Payment Delay |  | Combination - Term Extension, Principal Payment Delay and Interest Rate Reduction
Commercial |  | $ | 4,395 |  |  | $ | — |  |  | $ | — |
Income producing - commercial real estate |  | — |  |  | — |  |  | 38,551 |
Owner occupied - commercial real estate |  | — |  |  | 19,127 |  |  | — |
Total |  | $ | 4,395 |  |  | $ | 19,127 |  |  | $ | 38,551 |
Schedule of Related Party Transactions | The following table summarizes the activity of loans outstanding to borrowers with relationships to related parties in 2024 and 2023:
(dollars in thousands) |  | 2024 |  | 2023
Balance at January 1, |  | $ | 836 |  |  | $ | 119,198 |
Additions |  | — |  |  | 283 |
Repayments |  | (534) |  |  | (44,645) |
Removals due to changes in related party status |  | — |  |  | (74,000) |
Balance at December 31, |  | $ | 302 |  |  | $ | 836 |

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