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Loans (Tables) | 3 Months Ended
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Mar. 31, 2020
Receivables [Abstract] |
Net Loans Held-for-Investment | Net loans held-for-investment are as follows (in thousands):
| March 31, |  | December 31,
| 2020 |  | 2019
Real estate loans: |  |  |
Multifamily | $ | 2,300,974 |  |  | $ | 2,196,407 |
Commercial mortgage | 527,498 |  |  | 528,681 |
One-to-four family residential mortgage | 84,880 |  |  | 83,742 |
Home equity and lines of credit | 87,391 |  |  | 84,928 |
Construction and land | 39,922 |  |  | 38,284 |
Total real estate loans | 3,040,665 |  |  | 2,932,042 |
Commercial and industrial loans | 49,210 |  |  | 45,328 |
Other loans | 1,205 |  |  | 2,083 |
Total commercial and industrial and other loans | 50,415 |  |  | 47,411 |
Deferred loan cost, net | 7,680 |  |  | 7,614 |
Originated loans held-for-investment, net | 3,098,760 |  |  | 2,987,067 |
PCI Loans | 16,886 |  |  | 17,365 |
Loans acquired: |  |  |
One-to-four family residential mortgage | 167,934 |  |  | 187,975 |
Multifamily | 102,176 |  |  | 108,417 |
Commercial mortgage | 102,284 |  |  | 113,027 |
Home equity and lines of credit | 10,653 |  |  | 12,008 |
Construction and land | 1,388 |  |  | 2,537 |
Total acquired real estate loans | 384,435 |  |  | 423,964 |
Commercial and industrial loans | 9,056 |  |  | 8,689 |
Total loans acquired, net | 393,491 |  |  | 432,653 |
Loans held-for-investment, net | 3,509,137 |  |  | 3,437,085 |
Allowance for loan losses | (36,800 | ) |  | (28,707 | )
Net loans held-for-investment | $ | 3,472,337 |  |  | $ | 3,408,378 |
Summary of Accretable Yield | The following table details the accretion of interest income for PCI loans for the three months ended March 31, 2020 and March 31, 2019 (in thousands):
| At or for the three months ended March 31,
| 2020 |  | 2019
Balance at the beginning of period | $ | 17,086 |  |  | $ | 21,846 |
Accretion into interest income | (803 | ) |  | (1,049 | )
Balance at end of period | $ | 16,283 |  |  | $ | 20,797 |
Allowance For Loan Losses And Loans Receivable By Portfolio Segment Table | The following tables set forth activity in our allowance for loan losses, by loan type, as of and for the three months ended March 31, 2020, and March 31, 2019 (in thousands):
| Three Months Ended March 31, 2020
| Real Estate |  |  |  |  |  |  |  |  |  |  |  |
| Commercial |  | One-to-Four Family |  | Construction and Land |  | Multifamily |  | Home Equity and Lines of Credit |  | Commercial and Industrial |  | Other |  | Originated Loans Total |  | Purchased Credit-Impaired |  | Acquired Loans |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,756 |  |  | $ | 180 |  |  | $ | 536 |  |  | $ | 20,203 |  |  | $ | 317 |  |  | $ | 1,640 |  |  | $ | 151 |  |  | $ | 27,783 |  |  | $ | 789 |  |  | $ | 135 |  |  | $ | 28,707 |
Charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (37 | ) |  | — |  |  | (37 | ) |  | — |  |  | (433 | ) |  | (470 | )
Recoveries | 370 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 372 |  |  | — |  |  | 8 |  |  | 380 |
Provisions (credit) | 263 |  |  | 132 |  |  | 135 |  |  | 6,686 |  |  | 257 |  |  | 430 |  |  | (65 | ) |  | 7,838 |  |  | — |  |  | 345 |  |  | 8,183 |
Ending balance | $ | 5,389 |  |  | $ | 312 |  |  | $ | 671 |  |  | $ | 26,889 |  |  | $ | 574 |  |  | $ | 2,035 |  |  | $ | 86 |  |  | $ | 35,956 |  |  | $ | 789 |  |  | $ | 55 |  |  | $ | 36,800 |
| Three Months Ended March 31, 2019
| Real Estate |  |  |  |  |  |  |  |  |  |  |  |
| Commercial |  | One-to-Four Family |  | Construction and Land |  | Multifamily |  | Home Equity and Lines of Credit |  | Commercial and Industrial |  | Other |  | Originated Loans Total |  | Purchased Credit-Impaired |  | Acquired Loans |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,630 |  |  | $ | 342 |  |  | $ | 463 |  |  | $ | 18,084 |  |  | $ | 291 |  |  | $ | 1,569 |  |  | $ | 108 |  |  | $ | 26,487 |  |  | $ | 1,010 |  |  | $ | — |  |  | $ | 27,497 |
Charge-offs | (6 | ) |  | — |  |  | — |  |  | — |  |  | — |  |  | (26 | ) |  | — |  |  | (32 | ) |  | — |  |  | (60 | ) |  | (92 | )
Recoveries | 13 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 13 |  |  | — |  |  | 9 |  |  | 22 |
Provisions (credit) | (255 | ) |  | 28 |  |  | 111 |  |  | 262 |  |  | 45 |  |  | (167 | ) |  | (16 | ) |  | 8 |  |  | — |  |  | 51 |  |  | 59 |
Ending balance | $ | 5,382 |  |  | $ | 370 |  |  | $ | 574 |  |  | $ | 18,346 |  |  | $ | 336 |  |  | $ | 1,376 |  |  | $ | 92 |  |  | $ | 26,476 |  |  | $ | 1,010 |  |  | $ | — |  |  | $ | 27,486 |
The following tables detail the amount of loans receivable held-for-investment, net of deferred loan fees and costs, that are evaluated individually, and collectively, for impairment, and the related portion of the allowance for loan losses that is allocated to each loan portfolio segment, at March 31, 2020, and December 31, 2019 (in thousands):
| March 31, 2020
| Real Estate |  |  |  |  |  |  |  |  |  |  |  |
| Commercial |  | One-to-Four Family |  | Construction and Land |  | Multifamily |  | Home Equity and Lines of Credit |  | Commercial and Industrial |  | Other |  | Originated Loans Total |  | Purchased Credit-Impaired |  | Acquired Loans |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3 |  |  | $ | 4 |  |  | $ | — |  |  | $ | 7 |  |  | $ | — |  |  | $ | 55 |  |  | $ | 62 |
Ending balance: collectively evaluated for impairment | $ | 5,389 |  |  | $ | 312 |  |  | $ | 671 |  |  | $ | 26,889 |  |  | $ | 571 |  |  | $ | 2,031 |  |  | $ | 86 |  |  | $ | 35,949 |  |  | $ | 789 |  |  | $ | — |  |  | $ | 36,738 |
Loans, net: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 528,104 |  |  | $ | 86,404 |  |  | $ | 39,953 |  |  | $ | 2,304,387 |  |  | $ | 89,349 |  |  | $ | 49,358 |  |  | $ | 1,205 |  |  | $ | 3,098,760 |  |  | $ | 16,886 |  |  | $ | 393,491 |  |  | $ | 3,509,137 |
Ending balance: individually evaluated for impairment | $ | 11,815 |  |  | $ | 1,816 |  |  | $ | — |  |  | $ | 994 |  |  | $ | 53 |  |  | $ | 55 |  |  | $ | — |  |  | $ | 14,733 |  |  | $ | — |  |  | $ | 5,784 |  |  | $ | 20,517 |
Ending balance: collectively evaluated for impairment | $ | 516,289 |  |  | $ | 84,588 |  |  | $ | 39,953 |  |  | $ | 2,303,393 |  |  | $ | 89,296 |  |  | $ | 49,303 |  |  | $ | 1,205 |  |  | $ | 3,084,027 |  |  | $ | 16,886 |  |  | $ | 387,707 |  |  | $ | 3,488,620 |
| December 31, 2019
| Real Estate |  |  |  |  |  |  |  |  |  |  |  |
| Commercial |  | One-to-Four Family |  | Construction and Land |  | Multifamily |  | Home Equity and Lines of Credit |  | Commercial and Industrial |  | Other |  | Originated Loans Total |  | Purchased Credit-Impaired |  | Acquired Loans |  | Total
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3 |  |  | $ | 4 |  |  | $ | — |  |  | $ | 7 |  |  | $ | — |  |  | $ | 135 |  |  | $ | 142 |
Ending balance: collectively evaluated for impairment | $ | 4,756 |  |  | $ | 180 |  |  | $ | 536 |  |  | $ | 20,203 |  |  | $ | 314 |  |  | $ | 1,636 |  |  | $ | 151 |  |  | $ | 27,776 |  |  | $ | 789 |  |  | $ | — |  |  | $ | 28,565 |
Loans, net: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 529,287 |  |  | $ | 85,355 |  |  | $ | 38,303 |  |  | $ | 2,199,734 |  |  | $ | 86,848 |  |  | $ | 45,456 |  |  | $ | 2,084 |  |  | $ | 2,987,067 |  |  | $ | 17,365 |  |  | $ | 432,653 |  |  | $ | 3,437,085 |
Ending balance: individually evaluated for impairment | $ | 13,226 |  |  | $ | 1,841 |  |  | $ | — |  |  | $ | 997 |  |  | $ | 55 |  |  | $ | 58 |  |  | $ | — |  |  | $ | 16,177 |  |  | $ | — |  |  | $ | 4,780 |  |  | $ | 20,957 |
Ending balance: collectively evaluated for impairment | $ | 516,061 |  |  | $ | 83,514 |  |  | $ | 38,303 |  |  | $ | 2,198,737 |  |  | $ | 86,793 |  |  | $ | 45,398 |  |  | $ | 2,084 |  |  | $ | 2,970,890 |  |  | $ | 17,365 |  |  | $ | 427,873 |  |  | $ | 3,416,128 |
Investment of Originated Loans Held-for-Investment, Net of Deferred Fees and Costs, by Loan Type and Credit Quality Indicator | The following tables detail the recorded investment of originated loans held-for-investment, net of deferred fees and costs, by loan type and credit quality indicator at March 31, 2020, and December 31, 2019 (in thousands):
| At March 31, 2020
| Real Estate |  |  |  |  |  |
| Multifamily |  | Commercial |  | One-to-Four Family |  | Construction and Land |  | Home Equity and Lines of Credit |  | Commercial and Industrial |  | Other |  | Total
| < 35% LTV |  | => 35% LTV |  | < 35% LTV |  | => 35% LTV |  | < 60% LTV |  | => 60% LTV |  |  |  |  |  |  |  |  |  |
Internal Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 247,304 |  |  | $ | 2,051,039 |  |  | $ | 89,069 |  |  | $ | 432,711 |  |  | $ | 53,091 |  |  | $ | 30,953 |  |  | $ | 39,953 |  |  | $ | 89,082 |  |  | $ | 49,055 |  |  | $ | 1,205 |  |  | $ | 3,083,462 |
Special Mention | 291 |  |  | 292 |  |  | — |  |  | — |  |  | 770 |  |  | — |  |  | — |  |  | 80 |  |  | 266 |  |  | — |  |  | 1,699 |
Substandard | 298 |  |  | 5,163 |  |  | — |  |  | 6,324 |  |  | 1,563 |  |  | 27 |  |  | — |  |  | 187 |  |  | 37 |  |  | — |  |  | 13,599 |
Originated loans held-for-investment, net | $ | 247,893 |  |  | $ | 2,056,494 |  |  | $ | 89,069 |  |  | $ | 439,035 |  |  | $ | 55,424 |  |  | $ | 30,980 |  |  | $ | 39,953 |  |  | $ | 89,349 |  |  | $ | 49,358 |  |  | $ | 1,205 |  |  | $ | 3,098,760 |
| At December 31, 2019
| Real Estate |  |  |  |  |  |
| Multifamily |  | Commercial |  | One-to-Four Family |  | Construction and Land |  | Home Equity and Lines of Credit |  | Commercial and Industrial |  | Other |  | Total
| < 35% LTV |  | => 35% LTV |  | < 35% LTV |  | => 35% LTV |  | < 60% LTV |  | => 60% LTV |  |  |  |  |  |  |  |  |  |
Internal Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 232,950 |  |  | $ | 1,960,984 |  |  | $ | 79,485 |  |  | $ | 440,065 |  |  | $ | 52,886 |  |  | $ | 29,967 |  |  | $ | 38,303 |  |  | $ | 86,547 |  |  | $ | 45,075 |  |  | $ | 2,084 |  |  | $ | 2,968,346 |
Special Mention | — |  |  | 296 |  |  | 370 |  |  | 1,092 |  |  | 777 |  |  | — |  |  | — |  |  | 14 |  |  | 301 |  |  | — |  |  | 2,850 |
Substandard | 301 |  |  | 5,203 |  |  | — |  |  | 8,275 |  |  | 1,397 |  |  | 328 |  |  | — |  |  | 287 |  |  | 80 |  |  | — |  |  | 15,871 |
Originated loans held-for-investment, net | $ | 233,251 |  |  | $ | 1,966,483 |  |  | $ | 79,855 |  |  | $ | 449,432 |  |  | $ | 55,060 |  |  | $ | 30,295 |  |  | $ | 38,303 |  |  | $ | 86,848 |  |  | $ | 45,456 |  |  | $ | 2,084 |  |  | $ | 2,987,067 |
Estimated Expected Future Cash Flows of Each PCI Loan Pool | The following tables set forth the detail, and delinquency status, of non-performing loans (non-accrual loans and loans past due 90 days or more and still accruing), net of deferred fees and costs, at March 31, 2020, and December 31, 2019, excluding PCI loans which have been segregated into pools. For PCI loans, each loan pool is accounted for as a single asset with a single composite interest rate and an aggregate expectation of cash flows (in thousands):
| March 31, 2020
| Total Non-Performing Loans
| Non-Accruing Loans |  |  |  |
| 0-29 Days Past Due |  | 30-89 Days Past Due |  | 90 Days or More Past Due |  | Total |  | 90 Days or More Past Due and Accruing |  | Total Non-Performing Loans
Loans held-for-investment: |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV => 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard | $ | — |  |  | $ | — |  |  | $ | 1,108 |  |  | $ | 1,108 |  |  | — |  |  | $ | 1,108 |
Total commercial | — |  |  | — |  |  | 1,108 |  |  | 1,108 |  |  | — |  |  | 1,108 |
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV < 60% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | 173 |  |  | 173 |
Substandard | 221 |  |  | 187 |  |  | 77 |  |  | 485 |  |  | — |  |  | 485 |
Total | 221 |  |  | 187 |  |  | 77 |  |  | 485 |  |  | 173 |  |  | 658 |
LTV => 60% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | 27 |  |  | — |  |  | 27 |  |  | — |  |  | 27 |
Total one-to-four family residential | 221 |  |  | 214 |  |  | 77 |  |  | 512 |  |  | 173 |  |  | 685 |
Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV => 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | 291 |  |  | 291 |
Total multifamily | — |  |  | — |  |  | — |  |  | — |  |  | 291 |  |  | 291 |
Home equity and lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | 66 |  |  | 89 |  |  | 155 |  |  | — |  |  | 155 |
Total home equity and lines of credit | — |  |  | 66 |  |  | 89 |  |  | 155 |  |  | — |  |  | 155 |
Total non-performing loans held-for-investment, originated | 221 |  |  | 280 |  |  | 1,274 |  |  | 1,775 |  |  | 464 |  |  | 2,239 |
Loans acquired: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | 79 |  |  | 187 |  |  | 266 |  |  | 66 |  |  | 332 |
LTV => 35% |  |  |  |  |  |  |  |  |  |  |
Substandard | 2,815 |  |  | 1,255 |  |  | 1,831 |  |  | 5,901 |  |  | 120 |  |  | 6,021 |
Total commercial | 2,815 |  |  | 1,334 |  |  | 2,018 |  |  | 6,167 |  |  | 186 |  |  | 6,353 |
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV < 60% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | 189 |  |  | 85 |  |  | 274 |  |  | 6 |  |  | 280 |
LTV => 60% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | — |  |  | 93 |  |  | 93 |  |  | — |  |  | 93 |
Total one-to-four family residential | — |  |  | 189 |  |  | 178 |  |  | 367 |  |  | 6 |  |  | 373 |
Multifamily |  |  |  |  |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |  |  |  |  |
Substandard | 40 |  |  | — |  |  | — |  |  | 40 |  |  | — |  |  | 40 |
LTV => 35% |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | 394 |  |  | — |  |  | 394 |  |  | — |  |  | 394 |
Total multifamily | 40 |  |  | 394 |  |  | — |  |  | 434 |  |  | — |  |  | 434 |
Home equity and lines of credit - Substandard | — |  |  | — |  |  | 28 |  |  | 28 |  |  | — |  |  | 28 |
Total non-performing loans acquired | 2,855 |  |  | 1,917 |  |  | 2,224 |  |  | 6,996 |  |  | 192 |  |  | 7,188 |
Total non-performing loans | $ | 3,076 |  |  | $ | 2,197 |  |  | $ | 3,498 |  |  | $ | 8,771 |  |  | $ | 656 |  |  | $ | 9,427 |
| December 31, 2019
| Total Non-Performing Loans
| Non-Accruing Loans |  |  |  |
| 0-29 Days Past Due |  | 30-89 Days Past Due |  | 90 Days or More Past Due |  | Total |  | 90 Days or More Past Due and Accruing |  | Total Non-Performing Loans
Loans held-for-investment: |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard |  |  |  |  |  |  | $ | 2,416 |  |  | $ | 2,416 |  |  |  |  |  | $ | 2,416 |
Total commercial | — |  |  | — |  |  | 2,416 |  |  | 2,416 |  |  | — |  |  | 2,416 |
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV < 60% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | — |  |  | 493 |  |  | 493 |  |  | 114 |  |  | 607 |
LTV => 60% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | 29 |  |  | — |  |  | 29 |  |  | — |  |  | 29 |
Total one-to-four family residential | — |  |  | 29 |  |  | 493 |  |  | 522 |  |  | 114 |  |  | 636 |
Home equity and lines of credit |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | 67 |  |  | 89 |  |  | 156 |  |  | — |  |  | 156 |
Total home equity and lines of credit | — |  |  | 67 |  |  | 89 |  |  | 156 |  |  | — |  |  | 156 |
Total non-performing loans held-for-investment, originated | — |  |  | 96 |  |  | 2,998 |  |  | 3,094 |  |  | 114 |  |  | 3,208 |
Loans acquired: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |  |  |  |  |
Substandard | 79 |  |  | — |  |  | 188 |  |  | 267 |  |  | 66 |  |  | 333 |
LTV => 35% |  |  |  |  |  |  |  |  |  |  |
Substandard | 3,530 |  |  | — |  |  | 1,709 |  |  | 5,239 |  |  | 187 |  |  | 5,426 |
Total commercial | 3,609 |  |  | — |  |  | 1,897 |  |  | 5,506 |  |  | 253 |  |  | 5,759 |
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |
LTV < 60% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard | 190 |  |  | — |  |  | 85 |  |  | 275 |  |  | 151 |  |  | 426 |
LTV => 60% |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | — |  |  | 93 |  |  | 93 |  |  | — |  |  | 93 |
Total one-to-four family residential | 190 |  |  | — |  |  | 178 |  |  | 368 |  |  | 151 |  |  | 519 |
Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |  |  |  |  |
Substandard | 40 |  |  | — |  |  | — |  |  | 40 |  |  | — |  |  | 40 |
LTV => 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | 397 |  |  | — |  |  | 397 |  |  | — |  |  | 397 |
Total multifamily | 40 |  |  | 397 |  |  | — |  |  | 437 |  |  | — |  |  | 437 |
Home equity and lines of credit |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | — |  |  | 28 |  |  | 28 |  |  | — |  |  | 28 |
Total home equity and lines of credit | — |  |  | — |  |  | 28 |  |  | 28 |  |  | — |  |  | 28 |
Total non-performing loans acquired | 3,839 |  |  | 397 |  |  | 2,103 |  |  | 6,339 |  |  | 404 |  |  | 6,743 |
Total non-performing loans | $ | 3,839 |  |  | $ | 493 |  |  | $ | 5,101 |  |  | $ | 9,433 |  |  | $ | 518 |  |  | $ | 9,951 |
Detail and Delinquency Status of Originated Loans Held-for-Investment, Net of Deferred Fees and Costs, by Performing and Non-Performing Loans | The following tables set forth the detail and delinquency status of originated and acquired loans held-for-investment, net of deferred fees and costs, by performing and non-performing loans at March 31, 2020, and December 31, 2019 (in thousands):
| March 31, 2020
| Performing (Accruing) Loans |  |  |  |
| 0-29 Days Past Due |  | 30-89 Days Past Due |  | Total |  | Non-Performing Loans |  | Total Loans Receivable, net
Loans held-for-investment: |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 88,944 |  |  | $ | 125 |  |  | $ | 89,069 |  |  | $ | — |  |  | $ | 89,069 |
Total | 88,944 |  |  | 125 |  |  | 89,069 |  |  | — |  |  | 89,069 |
LTV => 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 431,886 |  |  | 825 |  |  | 432,711 |  |  | — |  |  | 432,711 |
Substandard | 248 |  |  | 4,968 |  |  | 5,216 |  |  | 1,108 |  |  | 6,324 |
Total | 432,134 |  |  | 5,793 |  |  | 437,927 |  |  | 1,108 |  |  | 439,035 |
Total commercial | 521,078 |  |  | 5,918 |  |  | 526,996 |  |  | 1,108 |  |  | 528,104 |
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV < 60% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 53,067 |  |  | 22 |  |  | 53,089 |  |  | — |  |  | 53,089 |
Special Mention | — |  |  | 597 |  |  | 597 |  |  | 173 |  |  | 770 |
Substandard | 1,079 |  |  | — |  |  | 1,079 |  |  | 485 |  |  | 1,564 |
Total | 54,146 |  |  | 619 |  |  | 54,765 |  |  | 658 |  |  | 55,423 |
LTV => 60% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 29,106 |  |  | 1,848 |  |  | 30,954 |  |  | — |  |  | 30,954 |
Substandard | — |  |  | — |  |  | — |  |  | 27 |  |  | 27 |
Total | 29,106 |  |  | 1,848 |  |  | 30,954 |  |  | 27 |  |  | 30,981 |
Total one-to-four family residential | 83,252 |  |  | 2,467 |  |  | 85,719 |  |  | 685 |  |  | 86,404 |
Construction and land |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 39,953 |  |  | — |  |  | 39,953 |  |  | — |  |  | 39,953 |
Total construction and land | 39,953 |  |  | — |  |  | 39,953 |  |  | — |  |  | 39,953 |
Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 247,304 |  |  | — |  |  | 247,304 |  |  | — |  |  | 247,304 |
Special Mention | — |  |  | — |  |  | — |  |  | 291 |  |  | 291 |
Substandard | 298 |  |  | — |  |  | 298 |  |  | — |  |  | 298 |
Total | 247,602 |  |  | — |  |  | 247,602 |  |  | 291 |  |  | 247,893 |
LTV => 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 2,051,038 |  |  | — |  |  | 2,051,038 |  |  | — |  |  | 2,051,038 |
Special Mention | 292 |  |  | — |  |  | 292 |  |  | — |  |  | 292 |
Substandard | 4,192 |  |  | 972 |  |  | 5,164 |  |  | — |  |  | 5,164 |
Total | 2,055,522 |  |  | 972 |  |  | 2,056,494 |  |  | — |  |  | 2,056,494 |
Total multifamily | 2,303,124 |  |  | 972 |  |  | 2,304,096 |  |  | 291 |  |  | 2,304,387 |
Home equity and lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 88,846 |  |  | 236 |  |  | 89,082 |  |  | — |  |  | 89,082 |
Special Mention | 80 |  |  | — |  |  | 80 |  |  | — |  |  | 80 |
Substandard | 32 |  |  | — |  |  | 32 |  |  | 155 |  |  | 187 |
Total home equity and lines of credit | 88,958 |  |  | 236 |  |  | 89,194 |  |  | 155 |  |  | 89,349 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 48,689 |  |  | 366 |  |  | 49,055 |  |  | — |  |  | 49,055 |
Special Mention | 266 |  |  | — |  |  | 266 |  |  | — |  |  | 266 |
Substandard | — |  |  | 37 |  |  | 37 |  |  | — |  |  | 37 |
Total commercial and industrial | 48,955 |  |  | 403 |  |  | 49,358 |  |  | — |  |  | 49,358 |
| March 31, 2020
| Performing (Accruing) Loans (Continued) |  |  |  |
| 0-29 Days Past Due |  | 30-89 Days Past Due |  | Total |  | Non-Performing Loans |  | Total Loans Receivable, net
Other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,205 |  |  | — |  |  | 1,205 |  |  |  |  |  | 1,205 |
Total originated loans held-for-investment | 3,086,525 |  |  | 9,996 |  |  | 3,096,521 |  |  | 2,239 |  |  | 3,098,760 |
Acquired loans: |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |
One-to-four family residential |  |  |  |  |  |  |  |  |
LTV < 60% |  |  |  |  |  |  |  |  |
Pass | 152,130 |  |  | 1,279 |  |  | 153,409 |  |  | — |  |  | 153,409 |
Special Mention | — |  |  | 381 |  |  | 381 |  |  | — |  |  | 381 |
Substandard | — |  |  | — |  |  | — |  |  | 279 |  |  | 279 |
Total | 152,130 |  |  | 1,660 |  |  | 153,790 |  |  | 279 |  |  | 154,069 |
LTV => 60% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 13,772 |  |  | — |  |  | 13,772 |  |  | — |  |  | 13,772 |
Substandard | — |  |  | — |  |  | — |  |  | 93 |  |  | 93 |
Total | 13,772 |  |  | — |  |  | 13,772 |  |  | 93 |  |  | 13,865 |
Total one-to-four family residential | 165,902 |  |  | 1,660 |  |  | 167,562 |  |  | 372 |  |  | 167,934 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |  |  |  |  |  |
Pass | 34,004 |  |  | 315 |  |  | 34,319 |  |  | — |  |  | 34,319 |
Special Mention | 994 |  |  | 95 |  |  | 1,089 |  |  | — |  |  | 1,089 |
Substandard | 538 |  |  | — |  |  | 538 |  |  | 332 |  |  | 870 |
Total | 35,536 |  |  | 410 |  |  | 35,946 |  |  | 332 |  |  | 36,278 |
LTV => 35% |  |  |  |  |  |  |  |  |
Pass | 51,245 |  |  | — |  |  | 51,245 |  |  | — |  |  | 51,245 |
Special Mention | 134 |  |  | 341 |  |  | 475 |  |  | — |  |  | 475 |
Substandard | 6,783 |  |  | 1,482 |  |  | 8,265 |  |  | 6,021 |  |  | 14,286 |
Total | 58,162 |  |  | 1,823 |  |  | 59,985 |  |  | 6,021 |  |  | 66,006 |
Total commercial | 93,698 |  |  | 2,233 |  |  | 95,931 |  |  | 6,353 |  |  | 102,284 |
Construction and land |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,388 |  |  | — |  |  | 1,388 |  |  | — |  |  | 1,388 |
Total construction and land | 1,388 |  |  | — |  |  | 1,388 |  |  | — |  |  | 1,388 |
Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |  |  |  |  |  |
Pass | 99,144 |  |  | — |  |  | 99,144 |  |  | — |  |  | 99,144 |
Substandard | — |  |  | — |  |  | — |  |  | 40 |  |  | 40 |
Total | 99,144 |  |  | — |  |  | 99,144 |  |  | 40 |  |  | 99,184 |
LTV => 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 2,597 |  |  | — |  |  | 2,597 |  |  | — |  |  | 2,597 |
Substandard | — |  |  | — |  |  | — |  |  | 395 |  |  | 395 |
Total | 2,597 |  |  | — |  |  | 2,597 |  |  | 395 |  |  | 2,992 |
Total multifamily | 101,741 |  |  | — |  |  | 101,741 |  |  | 435 |  |  | 102,176 |
Home equity and lines of credit |  |  |  |  |  |  |  |  |
Pass | 10,437 |  |  | 104 |  |  | 10,541 |  |  | — |  |  | 10,541 |
Substandard | 84 |  |  | — |  |  | 84 |  |  | 28 |  |  | 112 |
Total home equity and lines of credit | 10,521 |  |  | 104 |  |  | 10,625 |  |  | 28 |  |  | 10,653 |
Commercial and industrial |  |  |  |  |  |  |  |  |
Pass | 9,056 |  |  | — |  |  | 9,056 |  |  | — |  |  | 9,056 |
Total commercial and industrial | 9,056 |  |  | — |  |  | 9,056 |  |  | — |  |  | 9,056 |
Other loans - Pass | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans acquired | 382,306 |  |  | 3,997 |  |  | 386,303 |  |  | 7,188 |  |  | 393,491 |
| $ | 3,468,831 |  |  | $ | 13,993 |  |  | $ | 3,482,824 |  |  | $ | 9,427 |  |  | $ | 3,492,251 |
| December 31, 2019
| Performing (Accruing) Loans |  |  |  |
| 0-29 Days Past Due |  | 30-89 Days Past Due |  | Total |  | Non-Performing Loans |  | Total Loans Receivable, net
Loans held-for-investment: |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 79,383 |  |  | $ | 102 |  |  | $ | 79,485 |  |  | — |  |  | $ | 79,485 |
Special Mention | 370 |  |  | — |  |  | 370 |  |  | — |  |  | 370 |
Total | 79,753 |  |  | 102 |  |  | 79,855 |  |  | — |  |  | 79,855 |
LTV => 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 439,253 |  |  | 812 |  |  | 440,065 |  |  | — |  |  | 440,065 |
Special Mention | 1,092 |  |  | — |  |  | 1,092 |  |  | — |  |  | 1,092 |
Substandard | 5,228 |  |  | 631 |  |  | 5,859 |  |  | 2,416 |  |  | 8,275 |
Total | 445,573 |  |  | 1,443 |  |  | 447,016 |  |  | 2,416 |  |  | 449,432 |
Total commercial | 525,326 |  |  | 1,545 |  |  | 526,871 |  |  | 2,416 |  |  | 529,287 |
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV < 60% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 52,757 |  |  | 129 |  |  | 52,886 |  |  | — |  |  | 52,886 |
Special Mention | — |  |  | 777 |  |  | 777 |  |  | — |  |  | 777 |
Substandard | 790 |  |  | — |  |  | 790 |  |  | 607 |  |  | 1,397 |
Total | 53,547 |  |  | 906 |  |  | 54,453 |  |  | 607 |  |  | 55,060 |
LTV => 60% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 29,741 |  |  | 226 |  |  | 29,967 |  |  | — |  |  | 29,967 |
Substandard | 299 |  |  | — |  |  | 299 |  |  | 29 |  |  | 328 |
Total | 30,040 |  |  | 226 |  |  | 30,266 |  |  | 29 |  |  | 30,295 |
Total one-to-four family residential | 83,587 |  |  | 1,132 |  |  | 84,719 |  |  | 636 |  |  | 85,355 |
Construction and land |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 38,156 |  |  | 147 |  |  | 38,303 |  |  | — |  |  | 38,303 |
Total construction and land | 38,156 |  |  | 147 |  |  | 38,303 |  |  | — |  |  | 38,303 |
Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 232,658 |  |  | 292 |  |  | 232,950 |  |  | — |  |  | 232,950 |
Substandard | 301 |  |  | — |  |  | 301 |  |  | — |  |  | 301 |
Total | 232,959 |  |  | 292 |  |  | 233,251 |  |  | — |  |  | 233,251 |
LTV => 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,960,729 |  |  | 255 |  |  | 1,960,984 |  |  | — |  |  | 1,960,984 |
Special Mention | 296 |  |  | — |  |  | 296 |  |  | — |  |  | 296 |
Substandard | 5,203 |  |  | — |  |  | 5,203 |  |  | — |  |  | 5,203 |
Total | 1,966,228 |  |  | 255 |  |  | 1,966,483 |  |  | — |  |  | 1,966,483 |
Total multifamily | 2,199,187 |  |  | 547 |  |  | 2,199,734 |  |  | — |  |  | 2,199,734 |
Home equity and lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 86,380 |  |  | 167 |  |  | 86,547 |  |  | — |  |  | 86,547 |
Special Mention | 14 |  |  | — |  |  | 14 |  |  | — |  |  | 14 |
Substandard | 131 |  |  | — |  |  | 131 |  |  | 156 |  |  | 287 |
Total home equity and lines of credit | 86,525 |  |  | 167 |  |  | 86,692 |  |  | 156 |  |  | 86,848 |
Commercial and industrial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 44,886 |  |  | 189 |  |  | 45,075 |  |  | — |  |  | 45,075 |
Special Mention | 301 |  |  | — |  |  | 301 |  |  | — |  |  | 301 |
Substandard | 80 |  |  | — |  |  | 80 |  |  | — |  |  | 80 |
Total commercial and industrial loans | 45,267 |  |  | 189 |  |  | 45,456 |  |  | — |  |  | 45,456 |
Other loans - Pass | 2,058 |  |  | 26 |  |  | 2,084 |  |  | — |  |  | 2,084 |
Total originated loans held-for-investment | 2,980,106 |  |  | 3,753 |  |  | 2,983,859 |  |  | 3,208 |  |  | 2,987,067 |
| December 31, 2019
| Performing (Accruing) Loans |  |  |  |
| 0-29 Days Past Due |  | 30-89 Days Past Due |  | Total |  | Non-Performing Loans |  | Total Loans Receivable, net
Loans Acquired |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |
One-to-four family residential |  |  |  |  |  |  |  |  |
LTV < 60% |  |  |  |  |  |  |  |  |
Pass | 172,882 |  |  | 73 |  |  | 172,955 |  |  | — |  |  | 172,955 |
Special Mention | — |  |  | 385 |  |  | 385 |  |  | — |  |  | 385 |
Substandard | — |  |  | — |  |  | — |  |  | 426 |  |  | 426 |
Total | 172,882 |  |  | 458 |  |  | 173,340 |  |  | 426 |  |  | 173,766 |
LTV => 60% |  |  |  |  |  |  |  |  |
Pass | 14,116 |  |  | — |  |  | 14,116 |  |  | — |  |  | 14,116 |
Substandard | — |  |  | — |  |  | — |  |  | 93 |  |  | 93 |
Total | 14,116 |  |  | — |  |  | 14,116 |  |  | 93 |  |  | 14,209 |
Total one-to-four family residential | 186,998 |  |  | 458 |  |  | 187,456 |  |  | 519 |  |  | 187,975 |
Commercial |  |  |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |  |  |
Pass | 35,173 |  |  | 287 |  |  | 35,460 |  |  | — |  |  | 35,460 |
Special Mention | 994 |  |  | 194 |  |  | 1,188 |  |  | — |  |  | 1,188 |
Substandard | 369 |  |  | — |  |  | 369 |  |  | 334 |  |  | 703 |
Total | 36,536 |  |  | 481 |  |  | 37,017 |  |  | 334 |  |  | 37,351 |
LTV => 35% |  |  |  |  |  |  |  |  |
Pass | 60,311 |  |  | — |  |  | 60,311 |  |  | — |  |  | 60,311 |
Special Mention | 134 |  |  | 464 |  |  | 598 |  |  | — |  |  | 598 |
Substandard | 6,382 |  |  | 2,960 |  |  | 9,342 |  |  | 5,425 |  |  | 14,767 |
Total | 66,827 |  |  | 3,424 |  |  | 70,251 |  |  | 5,425 |  |  | 75,676 |
Total commercial | 103,363 |  |  | 3,905 |  |  | 107,268 |  |  | 5,759 |  |  | 113,027 |
Construction and land |  |  |  |  |  |  |  |  |
Pass | 2,537 |  |  | — |  |  | 2,537 |  |  | — |  |  | 2,537 |
Total construction and land | 2,537 |  |  | — |  |  | 2,537 |  |  | — |  |  | 2,537 |
Multifamily |  |  |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |  |  |
Pass | 105,327 |  |  | — |  |  | 105,327 |  |  | — |  |  | 105,327 |
Substandard | — |  |  | — |  |  | — |  |  | 40 |  |  | 40 |
Total | 105,327 |  |  | — |  |  | 105,327 |  |  | 40 |  |  | 105,367 |
LTV => 35% |  |  |  |  |  |  |  |  |
Pass | 2,653 |  |  | — |  |  | 2,653 |  |  | — |  |  | 2,653 |
Substandard | — |  |  | — |  |  | — |  |  | 397 |  |  | 397 |
Total | 2,653 |  |  | — |  |  | 2,653 |  |  | 397 |  |  | 3,050 |
Total multifamily | 107,980 |  |  | — |  |  | 107,980 |  |  | 437 |  |  | 108,417 |
Home equity and lines of credit |  |  |  |  |  |  |  |  |
Pass | 11,842 |  |  | 50 |  |  | 11,892 |  |  | — |  |  | 11,892 |
Substandard | 88 |  |  | — |  |  | 88 |  |  | 28 |  |  | 116 |
Total home equity and lines of credit | 11,930 |  |  | 50 |  |  | 11,980 |  |  | 28 |  |  | 12,008 |
Commercial and industrial loans |  |  |  |  |  |  |  |  |
Pass | 8,649 |  |  | 40 |  |  | 8,689 |  |  | — |  |  | 8,689 |
Total commercial and industrial loans | 8,649 |  |  | 40 |  |  | 8,689 |  |  | — |  |  | 8,689 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans acquired | 421,457 |  |  | 4,453 |  |  | 425,910 |  |  | 6,743 |  |  | 432,653 |
| $ | 3,401,563 |  |  | $ | 8,206 |  |  | $ | 3,409,769 |  |  | $ | 9,951 |  |  | $ | 3,419,720 |
Summary of Impaired Loans | The following table summarizes originated and acquired impaired loans as of March 31, 2020, and December 31, 2019 (in thousands):
| March 31, 2020 |  | December 31, 2019
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance
With No Allowance Recorded: |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard | $ | — |  |  | $ | 139 |  |  | $ | — |  |  | $ | — |  |  | $ | 139 |  |  | $ | — |
LTV => 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 5,491 |  |  | 6,378 |  |  | — |  |  | 5,582 |  |  | 6,468 |  |  | — |
Substandard | 10,883 |  |  | 11,089 |  |  | — |  |  | 10,438 |  |  | 11,002 |  |  | — |
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV < 60% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,363 |  |  | 1,449 |  |  | — |  |  | 1,379 |  |  | 1,463 |  |  | — |
Special Mention | 382 |  |  | 382 |  |  | — |  |  | 385 |  |  | 385 |  |  | — |
Substandard | 556 |  |  | 556 |  |  | — |  |  | 564 |  |  | 564 |  |  | — |
LTV => 60% |  |  |  |  |  |  |  |  |  |  |
Pass | 120 |  |  | 154 |  |  | — |  |  | 122 |  |  | 154 |  |  | — |
Substandard | 27 |  |  | 27 |  |  | — |  |  | 29 |  |  | 29 |  |  | — |
Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |  |  |  |  |
Substandard | 40 |  |  | 40 |  |  | — |  |  | 40 |  |  | 40 |  |  | — |
LTV => 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 22 |  |  | 493 |  |  | — |  |  | 26 |  |  | 496 |  |  | — |
Substandard | 972 |  |  | 972 |  |  | — |  |  | 972 |  |  | 972 |  |  | — |
Home equity and lines of credit |  |  |  |  |  |  |  |  |  |  |
Pass | 20 |  |  | 20 |  |  | — |  |  | 22 |  |  | 22 |  |  | — |
Commercial and industrial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard | 37 |  |  | 37 |  |  | — |  |  | 39 |  |  | 39 |  |  | — |
With a Related Allowance Recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV => 35% |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard | 553 |  |  | 1,419 |  |  | (55 | ) |  | 1,307 |  |  | 1,307 |  |  | (135 | )
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |
LTV < 60% |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Home equity and lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard | 33 |  |  | 32 |  |  | (3 | ) |  | 33 |  |  | 33 |  |  | (3 | )
Commercial and industrial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Special Mention | 18 |  |  | 18 |  |  | (4 | ) |  | 19 |  |  | 19 |  |  | (4 | )
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | 16,927 |  |  | 19,025 |  |  | (55 | ) |  | 17,327 |  |  | 18,916 |  |  | (135 | )
One-to-four family residential | 2,448 |  |  | 2,568 |  |  | — |  |  | 2,479 |  |  | 2,595 |  |  | — |
Multifamily | 1,034 |  |  | 1,505 |  |  | — |  |  | 1,038 |  |  | 1,508 |  |  | — |
Home equity and lines of credit | 53 |  |  | 52 |  |  | (3 | ) |  | 55 |  |  | 55 |  |  | (3 | )
Commercial and industrial loans | 55 |  |  | 55 |  |  | (4 | ) |  | 58 |  |  | 58 |  |  | (4 | )
| $ | 20,517 |  |  | $ | 23,205 |  |  | $ | (62 | ) |  | $ | 20,957 |  |  | $ | 23,132 |  |  | $ | (142 | )
The following table summarizes the average recorded investment in originated and acquired impaired loans (excluding PCI loans) and interest recognized on impaired loans as of, and for, the three and three months ended March 31, 2020, and March 31, 2019 (in thousands):
| Three Months Ended
| March 31, 2020 |  | March 31, 2019
| Average Recorded Investment |  | Interest Income |  | Average Recorded Investment |  | Interest Income
With No Allowance Recorded: |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |
LTV => 35% |  |  |  |  |  |  |
Pass | $ | 5,537 |  |  | $ | 75 |  |  | $ | 5,888 |  |  | $ | 78 |
Substandard | 10,661 |  |  | 37 |  |  | 11,604 |  |  | 72 |
One-to-four family residential |  |  |  |  |  |  |
LTV < 60% |  |  |  |  |  |  |
Pass | 1,371 |  |  | 16 |  |  | 1,677 |  |  | 22 |
Special Mention | 384 |  |  | 5 |  |  | — |  |  | — |
Substandard | 560 |  |  | 11 |  |  | 240 |  |  | 3 |
LTV => 60% |  |  |  |  |  |  |
Pass | 121 |  |  | 1 |  |  | 128 |  |  | 1 |
Substandard | 28 |  |  | — |  |  | 125 |  |  | 3 |
Multifamily |  |  |  |  |  |  |
LTV < 35% |  |  |  |  |  |  |
Substandard | 40 |  |  | — |  |  | 100 |  |  | 1 |
LTV => 35% |  |  |  |  |  |  |
Pass | 24 |  |  | 4 |  |  | 37 |  |  | 4 |
Substandard | 972 |  |  | 9 |  |  | 1,227 |  |  | 20 |
Home equity and lines of credit |  |  |  |  |  |  |
Pass | 21 |  |  | — |  |  | 27 |  |  | — |
Commercial and industrial loans |  |  |  |  |  |  |
Substandard | 38 |  |  | — |  |  | 50 |  |  | — |
With a Related Allowance Recorded: |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |
LTV => 35% |  |  |  |  |  |  |
Substandard | 930 |  |  | — |  |  | 259 |  |  | — |
One-to-four family residential |  |  |  |  |  |  |
LTV < 60% |  |  |  |  |  |  |
Substandard | — |  |  | — |  |  | 502 |  |  | 5 |
Home equity and lines of credit |  |  |  |  |  |  |
Substandard | 33 |  |  | 1 |  |  | 33 |  |  | 1 |
Commercial and industrial loans |  |  |  |  |  |  |
Special Mention | 18 |  |  | — |  |  | 21 |  |  | — |
Total: |  |  |  |  |  |  |
Real estate loans |  |  |  |  |  |  |
Commercial | 17,128 |  |  | 112 |  |  | 17,751 |  |  | 150 |
One-to-four family residential | 2,464 |  |  | 33 |  |  | 2,672 |  |  | 34 |
Multifamily | 1,036 |  |  | 13 |  |  | 1,364 |  |  | 25 |
Home equity and lines of credit | 54 |  |  | 1 |  |  | 60 |  |  | 1 |
Commercial and industrial loans | 56 |  |  | — |  |  | 71 |  |  | — |
| $ | 20,738 |  |  | $ | 159 |  |  | $ | 21,918 |  |  | $ | 210 |
Troubled Debt Restructurings on Financing Receivables | The following table summarizes loans that were modified in a TDR during the three months ended March 31, 2019:
| Three Months Ended March 31, 2019
| Number of Relationships |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment(1)
| (in thousands)
Troubled Debt Restructurings |  |  |  |  |
Consumer | 1 |  | $ | 2 |  |  | $ | 2 |
Commercial real estate | 1 |  | 2,834 |  |  | 2,834 |
Total Troubled Debt Restructurings | 2 |  | $ | 2,836 |  |  | $ | 2,836 |
(1) Amounts are at time of modification |  |  |  |  |

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