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Loans (Tables) | 12 Months Ended
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Dec. 31, 2021
Receivables [Abstract] |
Net Loans Held-For-Investment | The following table summarizes the Company's loans held-for-investment, net, (in thousands):
|  | December 31,
|  | 2021 |  | 2020
Real estate loans: |  |
Multifamily |  | $ | 2,518,065 |  |  | $ | 2,509,310 |
Commercial mortgage |  | 808,597 |  |  | 716,973 |
One-to-four family residential mortgage |  | 183,665 |  |  | 210,817 |
Home equity and lines of credit |  | 109,956 |  |  | 91,126 |
Construction and land |  | 27,495 |  |  | 74,318 |
Total real estate loans |  | 3,647,778 |  |  | 3,602,544 |
Commercial and industrial loans (1) |  | 141,005 |  |  | 194,352 |
Other loans |  | 2,015 |  |  | 3,029 |
Total commercial and industrial and other loans |  | 143,020 |  |  | 197,381 |
Deferred origination loan fees, net (2) |  | — |  |  | 4,795 |
Loans held-for-investment, net (excluding PCD/PCI) |  | 3,790,798 |  |  | 3,804,720 |
PCD/PCI Loans |  | 15,819 |  |  | 18,518 |
Total loans held-for-investment, net |  | 3,806,617 |  |  | 3,823,238 |
Allowance for credit losses |  | (38,973) |  |  | (37,607) |
Net loans held-for-investment |  | $ | 3,767,644 |  |  | $ | 3,785,631 |
(1) Included in commercial and industrial loans at December 31, 2021 and 2020 are PPP loans totaling $40.5 million and $126.5 million, respectively. (2) Under CECL, origination deferred fees, deferred fees on acquired loans, and purchase accounting adjustments in connection with loans acquired are included in loans by respective portfolio.
Investment Of Originated Loans Held-For-Investment, Net Of Deferred Fees And Costs, By Loan Type And Credit Quality Indicator | The following table presents the Company’s loans held-for-investment, excluding PCD loans, by loan class, credit risk ratings and year of origination, at December 31, 2021 (in thousands):
| December 31, 2021
| 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans |  | Total
Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 723,029 |  |  | $ | 525,078 |  |  | $ | 322,067 |  |  | $ | 238,692 |  |  | $ | 231,647 |  |  | $ | 461,834 |  |  | $ | 184 |  |  | $ | 2,502,531 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 425 |  |  | — |  |  | 425 |
Substandard | — |  |  | — |  |  | 1,724 |  |  | 5,401 |  |  | — |  |  | 7,984 |  |  | — |  |  | 15,109 |
Total multifamily | 723,029 |  |  | 525,078 |  |  | 323,791 |  |  | 244,093 |  |  | 231,647 |  |  | 470,243 |  |  | 184 |  |  | 2,518,065 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 153,803 |  |  | 72,718 |  |  | 97,228 |  |  | 99,165 |  |  | 65,750 |  |  | 274,195 |  |  | 2,589 |  |  | 765,448 |
Special mention | — |  |  | — |  |  | 505 |  |  | — |  |  | 1,095 |  |  | 8,559 |  |  | — |  |  | 10,159 |
Substandard | 10,881 |  |  | — |  |  | 7,866 |  |  | — |  |  | 2,854 |  |  | 11,389 |  |  | — |  |  | 32,990 |
Total commercial | 164,684 |  |  | 72,718 |  |  | 105,599 |  |  | 99,165 |  |  | 69,699 |  |  | 294,143 |  |  | 2,589 |  |  | 808,597 |
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 12,095 |  |  | 9,040 |  |  | 11,244 |  |  | 13,299 |  |  | 10,232 |  |  | 120,693 |  |  | 1,004 |  |  | 177,607 |
Special mention | — |  |  | — |  |  | 467 |  |  | — |  |  | — |  |  | 2,336 |  |  | — |  |  | 2,803 |
Substandard | — |  |  | — |  |  | 517 |  |  | — |  |  | — |  |  | 2,738 |  |  | — |  |  | 3,255 |
Total one-to-four family residential | 12,095 |  |  | 9,040 |  |  | 12,228 |  |  | 13,299 |  |  | 10,232 |  |  | 125,767 |  |  | 1,004 |  |  | 183,665 |
Home equity and lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 18,449 |  |  | 12,244 |  |  | 7,347 |  |  | 6,031 |  |  | 2,592 |  |  | 11,162 |  |  | 51,494 |  |  | 109,319 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 103 |  |  | — |  |  | 103 |
Substandard | — |  |  | — |  |  | 96 |  |  | 50 |  |  | — |  |  | 388 |  |  | — |  |  | 534 |
Total home equity and lines of credit | 18,449 |  |  | 12,244 |  |  | 7,443 |  |  | 6,081 |  |  | 2,592 |  |  | 11,653 |  |  | 51,494 |  |  | 109,956 |
Construction and land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 9,883 |  |  | 5,755 |  |  | 2,039 |  |  | 4,062 |  |  | 1,809 |  |  | 3,467 |  |  | 480 |  |  | 27,495 |
Total construction and land | 9,883 |  |  | 5,755 |  |  | 2,039 |  |  | 4,062 |  |  | 1,809 |  |  | 3,467 |  |  | 480 |  |  | 27,495 |
Total real estate loans | 928,140 |  |  | 624,835 |  |  | 451,100 |  |  | 366,700 |  |  | 315,979 |  |  | 905,273 |  |  | 55,751 |  |  | 3,647,778 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 45,426 |  |  | 10,087 |  |  | 4,378 |  |  | 2,316 |  |  | 640 |  |  | 9,298 |  |  | 61,728 |  |  | 133,873 |
Special mention | — |  |  | — |  |  | 166 |  |  | — |  |  | 132 |  |  | 224 |  |  | 50 |  |  | 572 |
Substandard | — |  |  | 361 |  |  | 154 |  |  | 595 |  |  | — |  |  | 726 |  |  | 4,724 |  |  | 6,560 |
Total commercial and industrial | 45,426 |  |  | 10,448 |  |  | 4,698 |  |  | 2,911 |  |  | 772 |  |  | 10,248 |  |  | 66,502 |  |  | 141,005 |
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,715 |  |  | 156 |  |  | 19 |  |  | 26 |  |  | — |  |  | 49 |  |  | 50 |  |  | 2,015 |
Total other | 1,715 |  |  | 156 |  |  | 19 |  |  | 26 |  |  | — |  |  | 49 |  |  | 50 |  |  | 2,015 |
Total loans held-for-investment, net | $ | 975,281 |  |  | $ | 635,439 |  |  | $ | 455,817 |  |  | $ | 369,637 |  |  | $ | 316,751 |  |  | $ | 915,570 |  |  | $ | 122,303 |  |  | $ | 3,790,798 |
The following table details the recorded investment of loans held-for-investment, excluding PCI loans, net of deferred fees and costs, by loan type and credit quality indicator at December 31, 2020 (in thousands):
| December 31, 2020
| Real Estate |  |  |  |  |  |
| Multifamily |  | Commercial |  | One-to-Four Family |  | Home Equity and Lines of Credit |  | Construction and Land |  | Commercial and Industrial |  | Other |  | Total
Internal Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 2,497,556 |  |  | $ | 667,568 |  |  | $ | 207,633 |  |  | $ | 92,385 |  |  | $ | 74,351 |  |  | $ | 189,372 |  |  | $ | 3,026 |  |  | $ | 3,731,891 |
Special Mention | 458 |  |  | 20,422 |  |  | 2,456 |  |  | 311 |  |  | — |  |  | 498 |  |  | — |  |  | 24,145 |
Substandard | 14,920 |  |  | 29,576 |  |  | 2,133 |  |  | 441 |  |  | — |  |  | 1,611 |  |  | 3 |  |  | 48,684 |
Total loans held-for-investment, net | $ | 2,512,934 |  |  | $ | 717,566 |  |  | $ | 212,222 |  |  | $ | 93,137 |  |  | $ | 74,351 |  |  | $ | 191,481 |  |  | $ | 3,029 |  |  | $ | 3,804,720 |
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 December 31, 2021, and December 31, 2020, excluding PCD/PCI loans (in thousands):
| December 31, 2021
| Total Non-Performing Loans
| Non-Accruing Loans |  |  |  |
| Current |  | 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: |  |  |  |  |  |  |  |  |  |  |
Multifamily |  |  |  |  |  |  |  |  |  |  |
Substandard | $ | — |  |  | $ | 280 |  |  | $ | 1,602 |  |  | $ | 1,882 |  |  | $ | — |  |  | $ | 1,882 |
Total multifamily | — |  |  | 280 |  |  | 1,602 |  |  | 1,882 |  |  | — |  |  | 1,882 |
Commercial |  |  |  |  |  |  |  |  |  |  |
Special Mention | — |  |  | — |  |  | 280 |  |  | 280 |  |  | — |  |  | 280 |
Substandard | 2,944 |  |  | — |  |  | 1,893 |  |  | 4,837 |  |  | 147 |  |  | 4,984 |
Total commercial | 2,944 |  |  | — |  |  | 2,173 |  |  | 5,117 |  |  | 147 |  |  | 5,264 |
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | — |  |  | 314 |  |  | 314 |  |  | 165 |  |  | 479 |
Total one-to-four family residential | — |  |  | — |  |  | 314 |  |  | 314 |  |  | 165 |  |  | 479 |
Home equity and lines of credit |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | — |  |  | 281 |  |  | 281 |  |  | — |  |  | 281 |
Total home equity and lines of credit | — |  |  | — |  |  | 281 |  |  | 281 |  |  | — |  |  | 281 |
Total real estate | 2,944 |  |  | 280 |  |  | 4,370 |  |  | 7,594 |  |  | 312 |  |  | 7,906 |
Commercial and industrial loans |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | 72 |  |  | 72 |
Substandard | 28 |  |  | — |  |  | — |  |  | 28 |  |  | — |  |  | 28 |
Total commercial and industrial loans | 28 |  |  | — |  |  | — |  |  | 28 |  |  | 72 |  |  | 100 |
Total non-performing loans | $ | 2,972 |  |  | $ | 280 |  |  | $ | 4,370 |  |  | $ | 7,622 |  |  | $ | 384 |  |  | $ | 8,006 |
| December 31, 2020
| Total Non-Performing Loans
| Non-Accruing Loans |  |  |  |
| Current |  | 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: |  |  |  |  |  |  |  |  |  |  |
Multifamily |  |  |  |  |  |  |  |  |  |  |
Substandard | $ | — |  |  | $ | — |  |  | $ | 1,153 |  |  | $ | 1,153 |  |  | $ | — |  |  | $ | 1,153 |
Total multifamily | — |  |  | — |  |  | 1,153 |  |  | 1,153 |  |  | — |  |  | 1,153 |
Commercial |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | 500 |  |  | 500 |
Substandard | 2,829 |  |  | 537 |  |  | 2,863 |  |  | 6,229 |  |  | — |  |  | 6,229 |
Total commercial | 2,829 |  |  | 537 |  |  | 2,863 |  |  | 6,229 |  |  | 500 |  |  | 6,729 |
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |
Substandard | 413 |  |  | — |  |  | 493 |  |  | 906 |  |  | 174 |  |  | 1,080 |
Total one-to-four family residential | 413 |  |  | — |  |  | 493 |  |  | 906 |  |  | 174 |  |  | 1,080 |
Home equity and lines of credit |  |  |  |  |  |  |  |  |  |  |
Substandard | 60 |  |  | — |  |  | 131 |  |  | 191 |  |  | — |  |  | 191 |
Total home equity and lines of credit | 60 |  |  | — |  |  | 131 |  |  | 191 |  |  | — |  |  | 191 |
Total real estate | 3,302 |  |  | 537 |  |  | 4,640 |  |  | 8,479 |  |  | 674 |  |  | 9,153 |
Commercial and industrial loans |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | 101 |  |  | 101 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | 85 |  |  | 85 |
Substandard | — |  |  | — |  |  | 37 |  |  | 37 |  |  | 250 |  |  | 287 |
Total commercial and industrial loans | — |  |  | — |  |  | 37 |  |  | 37 |  |  | 436 |  |  | 473 |
Other loans |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 3 |
Total other | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 3 |
Total non-performing loans | $ | 3,302 |  |  | $ | 537 |  |  | $ | 4,677 |  |  | $ | 8,516 |  |  | $ | 1,113 |  |  | $ | 9,629 |
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 loans held-for-investment, excluding PCD/PCI loans, net of deferred fees and costs, at December 31, 2021 and December 31, 2020 (in thousands):
| December 31, 2021
|  |  | Past Due Loans |  |  |  |
| 30-89 Days Past Due |  | 90 Days or More Past Due |  | 90 Days or More Past Due and Accruing |  | Total Past Due |  | Current |  | Total Loans Receivable, net
Loans held-for-investment: |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Multifamily |  |  |  |  |  |  |  |  |  |  |
Pass | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,502,531 |  |  | $ | 2,502,531 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | 425 |  |  | 425 |
Substandard | 280 |  |  | 1,602 |  |  | — |  |  | 1,882 |  |  | 13,227 |  |  | 15,109 |
Total multifamily | 280 |  |  | 1,602 |  |  | — |  |  | 1,882 |  |  | 2,516,183 |  |  | 2,518,065 |
Commercial |  |  |  |  |  |  |  |  |  |  |
Pass | 77 |  |  | — |  |  | — |  |  | 77 |  |  | 765,371 |  |  | 765,448 |
Special mention | 67 |  |  | 280 |  |  | — |  |  | 347 |  |  | 9,812 |  |  | 10,159 |
Substandard | — |  |  | 1,893 |  |  | 147 |  |  | 2,040 |  |  | 30,950 |  |  | 32,990 |
Total commercial | 144 |  |  | 2,173 |  |  | 147 |  |  | 2,464 |  |  | 806,133 |  |  | 808,597 |
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |
Pass | 206 |  |  | — |  |  | — |  |  | 206 |  |  | 177,401 |  |  | 177,607 |
Special mention | 387 |  |  | — |  |  | — |  |  | 387 |  |  | 2,416 |  |  | 2,803 |
Substandard | — |  |  | 314 |  |  | 165 |  |  | 479 |  |  | 2,776 |  |  | 3,255 |
Total one-to-four family residential | 593 |  |  | 314 |  |  | 165 |  |  | 1,072 |  |  | 182,593 |  |  | 183,665 |
Home equity and lines of credit |  |  |  |  |  |  |  |  |  |  |
Pass | 316 |  |  | — |  |  | — |  |  | 316 |  |  | 109,003 |  |  | 109,319 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | 103 |  |  | 103 |
Substandard | 96 |  |  | 281 |  |  | — |  |  | 377 |  |  | 157 |  |  | 534 |
Total home equity and lines of credit | 412 |  |  | 281 |  |  | — |  |  | 693 |  |  | 109,263 |  |  | 109,956 |
Construction and land |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | 27,495 |  |  | 27,495 |
Total construction and land | — |  |  | — |  |  | — |  |  | — |  |  | 27,495 |  |  | 27,495 |
Total real estate | 1,429 |  |  | 4,370 |  |  | 312 |  |  | 6,111 |  |  | 3,641,667 |  |  | 3,647,778 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |
Pass | 2 |  |  | — |  |  | 72 |  |  | 74 |  |  | 133,799 |  |  | 133,873 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | 572 |  |  | 572 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 6,560 |  |  | 6,560 |
Total commercial and industrial | 2 |  |  | — |  |  | 72 |  |  | 74 |  |  | 140,931 |  |  | 141,005 |
Other loans |  |  |  |  |  |  |  |  |  |  |
Pass | 15 |  |  | — |  |  | — |  |  | 15 |  |  | 2,000 |  |  | 2,015 |
Total other loans | 15 |  |  | — |  |  | — |  |  | 15 |  |  | 2,000 |  |  | 2,015 |
Total loans held-for-investment | $ | 1,446 |  |  | $ | 4,370 |  |  | $ | 384 |  |  | $ | 6,200 |  |  | $ | 3,784,598 |  |  | $ | 3,790,798 |
| December 31, 2020
| Past Due Loans |  |  |  |
| 30-89 Days Past Due |  | 90 Days or More Past Due |  | 90 Days or More Past Due and Accruing |  | Total Past Due |  | Current |  | Total Loans Receivable, net
Loans held-for-investment: |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Multifamily |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,283 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,283 |  |  | $ | 2,496,273 |  |  | $ | 2,497,556 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | 458 |  |  | 458 |
Substandard | 610 |  |  | 1,153 |  |  | — |  |  | 1,763 |  |  | 13,157 |  |  | 14,920 |
Total multifamily | 1,893 |  |  | 1,153 |  |  | — |  |  | 3,046 |  |  | 2,509,888 |  |  | 2,512,934 |
Commercial |  |  |  |  |  |  |  |  |  |  |
Pass | 6,072 |  |  | — |  |  | 500 |  |  | 6,572 |  |  | 660,996 |  |  | 667,568 |
Special mention | 72 |  |  | — |  |  | — |  |  | 72 |  |  | 20,350 |  |  | 20,422 |
Substandard | 3,185 |  |  | 2,863 |  |  | — |  |  | 6,048 |  |  | 23,528 |  |  | 29,576 |
Total commercial | 9,329 |  |  | 2,863 |  |  | 500 |  |  | 12,692 |  |  | 704,874 |  |  | 717,566 |
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |
Pass | 282 |  |  | — |  |  | — |  |  | 282 |  |  | 207,351 |  |  | 207,633 |
Special mention | 870 |  |  | — |  |  | — |  |  | 870 |  |  | 1,586 |  |  | 2,456 |
Substandard | — |  |  | 493 |  |  | 174 |  |  | 667 |  |  | 1,466 |  |  | 2,133 |
Total one-to-four family residential | 1,152 |  |  | 493 |  |  | 174 |  |  | 1,819 |  |  | 210,403 |  |  | 212,222 |
Home equity and lines of credit |  |  |  |  |  |  |  |  |  |  |
Pass | 80 |  |  | — |  |  | — |  |  | 80 |  |  | 92,305 |  |  | 92,385 |
Special mention | 200 |  |  | — |  |  | — |  |  | 200 |  |  | 111 |  |  | 311 |
Substandard | 100 |  |  | 131 |  |  | — |  |  | 231 |  |  | 210 |  |  | 441 |
Total home equity and lines of credit | 380 |  |  | 131 |  |  | — |  |  | 511 |  |  | 92,626 |  |  | 93,137 |
Construction and land |  |  |  |  |  |  |  |  |  |  |
Pass | 994 |  |  | — |  |  | — |  |  | 994 |  |  | 73,357 |  |  | 74,351 |
Total construction and land | 994 |  |  | — |  |  | — |  |  | 994 |  |  | 73,357 |  |  | 74,351 |
Total real estate | 13,748 |  |  | 4,640 |  |  | 674 |  |  | 19,062 |  |  | 3,591,148 |  |  | 3,610,210 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |
Pass | 632 |  |  | — |  |  | 101 |  |  | 733 |  |  | 188,639 |  |  | 189,372 |
Special mention | 61 |  |  | — |  |  | 85 |  |  | 146 |  |  | 352 |  |  | 498 |
Substandard | 67 |  |  | 37 |  |  | 250 |  |  | 354 |  |  | 1,257 |  |  | 1,611 |
Total commercial and industrial | 760 |  |  | 37 |  |  | 436 |  |  | 1,233 |  |  | 190,248 |  |  | 191,481 |
Other loans |  |  |  |  |  |  |  |  |  |  |
Pass | 11 |  |  | — |  |  | 3 |  |  | 14 |  |  | 3,012 |  |  | 3,026 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 3 |
Total other loans | 11 |  |  | — |  |  | 3 |  |  | 14 |  |  | 3,015 |  |  | 3,029 |
Total loans held-for-investment | $ | 14,519 |  |  | $ | 4,677 |  |  | $ | 1,113 |  |  | $ | 20,309 |  |  | $ | 3,784,411 |  |  | $ | 3,804,720 |
Financing Receivable, Nonaccrual | The following tables summarize information on non-accrual loans, excluding PCD loans, at December 31, 2021 (in thousands):
|  |  | For the Year Ended December 31, 2021
| December 31, 2021 |
| Recorded Investment |  | Unpaid Principal Balance |  | With No Related Allowance |  | Interest Income
Real estate loans: |  |  |  |  |  |  |
Multifamily | $ | 1,882 |  |  | $ | 1,891 |  |  | $ | 512 |  |  | $ | 70 |
Commercial | 5,117 |  |  | 5,627 |  |  | 3,729 |  |  | 85 |
One-to-four family residential | 314 |  |  | 346 |  |  | — |  |  | 10 |
Home equity and lines of credit | 281 |  |  | 530 |  |  | — |  |  | 2 |
Commercial and industrial | 28 |  |  | 349 |  |  | — |  |  | 8 |
Total non-accrual loans | $ | 7,622 |  |  | $ | 8,743 |  |  | $ | 4,241 |  |  | $ | 175 |
Summary of Impaired Loans | The following table summarizes impaired loans, excluding PCI loans, at December 31, 2020 (in thousands):
|  |  | December 31, 2020
|  |  |  |  |  |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance
With No Allowance Recorded: |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Multifamily |  |  |  |  |  |  | $ | 626 |  |  | $ | 1,097 |  |  | $ | — |
Commercial |  |  |  |  |  |  | 8,838 |  |  | 10,076 |  |  | — |
One-to-four family residential |  |  |  |  |  |  | 1,903 |  |  | 2,032 |  |  | — |
Home equity and lines of credit |  |  |  |  |  |  | 15 |  |  | 15 |  |  | — |
Total real estate |  |  |  |  |  |  | 11,382 |  |  | 13,220 |  |  | — |
With a Related Allowance Recorded: |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  | 1,812 |  |  | 2,244 |  |  | (66) |
Home equity and lines of credit |  |  |  |  |  |  | 32 |  |  | 32 |  |  | (3) |
Total real estate |  |  |  |  |  |  | 1,844 |  |  | 2,276 |  |  | (69) |
Commercial and industrial loans |  |  |  |  |  |  | 16 |  |  | 16 |  |  | (4) |
Total: |  |  |  |  |  |  |  |  |  |  |
Real estate loans |  |  |  |  |  |  |  |  |  |  |
Multifamily |  |  |  |  |  |  | 626 |  |  | 1,097 |  |  | — |
Commercial |  |  |  |  |  |  | 10,650 |  |  | 12,320 |  |  | (66) |
One-to-four family residential |  |  |  |  |  |  | 1,903 |  |  | 2,032 |  |  | — |
Home equity and lines of credit |  |  |  |  |  |  | 47 |  |  | 47 |  |  | (3) |
Commercial and industrial loans |  |  |  |  |  |  | 16 |  |  | 16 |  |  | (4) |
|  |  |  |  |  |  | $ | 13,242 |  |  | $ | 15,512 |  |  | $ | (73) |
The following table summarizes the average recorded investment in impaired loans, excluding PCI loans, and interest income recognized as of, and for, the year ended December 31, 2020 (in thousands):
|  | For the Year Ended
|  | December 31, 2020
|  | Average Recorded Investment |  | Interest Income
With No Allowance Recorded: |  |  |  |
Real estate loans: |  |  |  |
Multifamily |  | $ | 808 |  |  | $ | 50 |
Commercial |  | 13,299 |  |  | 400 |
One-to-four family residential |  | 2,134 |  |  | 94 |
Home equity and lines of credit |  | 19 |  |  | 1 |
Commercial and industrial loans |  | 30 |  |  | — |
With a Related Allowance Recorded: |  |  |  |
Real estate loans: |  |  |  |
Commercial |  | 2,374 |  |  | 107 |
One-to-four family residential |  | 104 |  |  | — |
Home equity and lines of credit |  | 32 |  |  | 1 |
Commercial and industrial loans |  | 17 |  |  | 1 |
Total: |  |  |  |
Real estate loans |  |  |  |
Multifamily |  | 808 |  |  | 50 |
Commercial |  | 15,673 |  |  | 507 |
One-to-four family residential |  | 2,238 |  |  | 94 |
Home equity and lines of credit |  | 51 |  |  | 2 |
Commercial and industrial loans |  | 47 |  |  | 1 |
|  | $ | 18,817 |  |  | $ | 654 |
Troubled Debt Restructurings on Financing Receivables | The following tables summarize loans that were modified in a TDR during the years ended December 31, 2021 and 2020:
|  | Year Ended December 31, 2021
|  | Number of Relationships |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment(1)
|  | (Dollars in thousands)
Troubled Debt Restructurings |  |  |  |  |  |
Commercial and industrial |  | 2 |  | $ | 96 |  |  | $ | 96 |
Total Troubled Debt Restructurings |  | 2 |  | $ | 96 |  |  | $ | 96 |
(1) Amounts are at time of modification. |  |  |  |  |  |
|  | Year Ended December 31, 2020
|  | Number of Relationships |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment(1)
|  | (Dollars in thousands)
Troubled Debt Restructurings |  |  |  |  |  |
Residential |  | 1 |  | $ | 187 |  |  | $ | 187 |
Commercial Real Estate |  | 2 |  | 544 |  |  | 544 |
Total Troubled Debt Restructurings |  | 3 |  | $ | 731 |  |  | $ | 731 |
(1) Amounts are at time of modification. |  |  |  |  |  |

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