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Loans (Tables) | 6 Months Ended
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Jun. 30, 2022
Receivables [Abstract] |
Net Loans Held-for-Investment | The following table summarizes the Company’s loans held-for-investment (in thousands):
|  | June 30, |  | December 31,
|  | 2022 |  | 2021
Real estate loans: |  |  |  |
Multifamily |  | $ | 2,771,002 |  |  | $ | 2,518,065 |
Commercial mortgage |  | 850,186 |  |  | 808,597 |
One-to-four family residential mortgage |  | 185,376 |  |  | 183,665 |
Home equity and lines of credit |  | 137,868 |  |  | 109,956 |
Construction and land |  | 18,555 |  |  | 27,495 |
Total real estate loans |  | 3,962,987 |  |  | 3,647,778 |
Commercial and industrial loans (1) |  | 133,422 |  |  | 141,005 |
Other loans |  | 2,312 |  |  | 2,015 |
Total commercial and industrial and other loans |  | 135,734 |  |  | 143,020 |
Loans held-for-investment, net (excluding PCD) |  | 4,098,721 |  |  | 3,790,798 |
PCD loans |  | 13,136 |  |  | 15,819 |
Total loans held-for-investment, net |  | 4,111,857 |  |  | 3,806,617 |
Allowance for credit losses |  | (39,031) |  |  | (38,973) |
Net loans held-for-investment |  | $ | 4,072,826 |  |  | $ | 3,767,644 |
(1) Included in commercial and industrial loans at June 30, 2022 and December 31, 2021 are Payment Protection Program ("PPP") loans totaling $11.9 million and $40.5 million, respectively.
Schedule of Loans Held-for-Investment, Excluding PCD Loans, Net of Deferred Fees and Costs | 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 June 30, 2022 (in thousands):
| June 30, 2022
| 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans |  | Total
Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 441,001 |  |  | $ | 704,409 |  |  | $ | 510,471 |  |  | $ | 291,503 |  |  | $ | 226,586 |  |  | $ | 584,813 |  |  | $ | 1,893 |  |  | $ | 2,760,676 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 3,806 |  |  | 6,520 |  |  | — |  |  | 10,326 |
Total multifamily | 441,001 |  |  | 704,409 |  |  | 510,471 |  |  | 291,503 |  |  | 230,392 |  |  | 591,333 |  |  | 1,893 |  |  | 2,771,002 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 137,267 |  |  | 149,545 |  |  | 69,189 |  |  | 93,232 |  |  | 75,649 |  |  | 295,115 |  |  | 2,567 |  |  | 822,564 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,241 |  |  | — |  |  | 5,241 |
Substandard | — |  |  | 10,728 |  |  | — |  |  | — |  |  | — |  |  | 11,653 |  |  | — |  |  | 22,381 |
Total commercial | 137,267 |  |  | 160,273 |  |  | 69,189 |  |  | 93,232 |  |  | 75,649 |  |  | 312,009 |  |  | 2,567 |  |  | 850,186 |
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 22,973 |  |  | 12,473 |  |  | 8,710 |  |  | 10,465 |  |  | 9,188 |  |  | 117,450 |  |  | 1,022 |  |  | 182,281 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,928 |  |  | — |  |  | 1,928 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,167 |  |  | — |  |  | 1,167 |
Total one-to-four family residential | 22,973 |  |  | 12,473 |  |  | 8,710 |  |  | 10,465 |  |  | 9,188 |  |  | 120,545 |  |  | 1,022 |  |  | 185,376 |
Home equity and lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 23,488 |  |  | 16,703 |  |  | 9,195 |  |  | 6,476 |  |  | 5,009 |  |  | 12,393 |  |  | 64,010 |  |  | 137,274 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 41 |  |  | — |  |  | 41 |
Substandard | — |  |  | 60 |  |  | — |  |  | 95 |  |  | 49 |  |  | 349 |  |  | — |  |  | 553 |
Total home equity and lines of credit | 23,488 |  |  | 16,763 |  |  | 9,195 |  |  | 6,571 |  |  | 5,058 |  |  | 12,783 |  |  | 64,010 |  |  | 137,868 |
Construction and land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 3,973 |  |  | 956 |  |  | 4,558 |  |  | 1,317 |  |  | 1,451 |  |  | 4,050 |  |  | 180 |  |  | 16,485 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 2,070 |  |  | — |  |  | — |  |  | 2,070 |
Total construction and land | 3,973 |  |  | 956 |  |  | 4,558 |  |  | 1,317 |  |  | 3,521 |  |  | 4,050 |  |  | 180 |  |  | 18,555 |
Total real estate loans | 628,702 |  |  | 894,874 |  |  | 602,123 |  |  | 403,088 |  |  | 323,808 |  |  | 1,040,720 |  |  | 69,672 |  |  | 3,962,987 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 3,814 |  |  | 18,613 |  |  | 8,178 |  |  | 3,961 |  |  | 1,841 |  |  | 9,122 |  |  | 85,861 |  |  | 131,390 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 141 |  |  | 150 |  |  | 291 |
Substandard | — |  |  | — |  |  | 135 |  |  | 50 |  |  | 200 |  |  | 293 |  |  | 1,063 |  |  | 1,741 |
Total commercial and industrial | 3,814 |  |  | 18,613 |  |  | 8,313 |  |  | 4,011 |  |  | 2,041 |  |  | 9,556 |  |  | 87,074 |  |  | 133,422 |
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 2,063 |  |  | — |  |  | 130 |  |  | 10 |  |  | 16 |  |  | 34 |  |  | 59 |  |  | 2,312 |
Total other | 2,063 |  |  | — |  |  | 130 |  |  | 10 |  |  | 16 |  |  | 34 |  |  | 59 |  |  | 2,312 |
Total loans held-for-investment, net | $ | 634,579 |  |  | $ | 913,487 |  |  | $ | 610,566 |  |  | $ | 407,109 |  |  | $ | 325,865 |  |  | $ | 1,050,310 |  |  | $ | 156,805 |  |  | $ | 4,098,721 |
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 |
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 June 30, 2022, and December 31, 2021, excluding PCD loans (in thousands):
| June 30, 2022
| 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 | $ | 276 |  |  | $ | — |  |  | $ | 3,746 |  |  | $ | 4,022 |  |  | $ | — |  |  | $ | 4,022 |
Total multifamily | 276 |  |  | — |  |  | 3,746 |  |  | 4,022 |  |  | — |  |  | 4,022 |
Commercial |  |  |  |  |  |  |  |  |  |  |
Substandard | 3,279 |  |  | 70 |  |  | 1,981 |  |  | 5,330 |  |  | 27 |  |  | 5,357 |
Total commercial | 3,279 |  |  | 70 |  |  | 1,981 |  |  | 5,330 |  |  | 27 |  |  | 5,357 |
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |
Substandard | — |  |  | — |  |  | 304 |  |  | 304 |  |  | 160 |  |  | 464 |
Total one-to-four family residential | — |  |  | — |  |  | 304 |  |  | 304 |  |  | 160 |  |  | 464 |
Home equity and lines of credit |  |  |  |  |  |  |  |  |  |  |
Substandard | 188 |  |  | 6 |  |  | 138 |  |  | 332 |  |  | — |  |  | 332 |
Total home equity and lines of credit | 188 |  |  | 6 |  |  | 138 |  |  | 332 |  |  | — |  |  | 332 |
Total real estate | 3,743 |  |  | 76 |  |  | 6,169 |  |  | 9,988 |  |  | 187 |  |  | 10,175 |
Commercial and industrial loans |  |  |  |  |  |  |  |  |  |  |
Substandard | 28 |  |  | — |  |  | 247 |  |  | 275 |  |  | 17 |  |  | 292 |
Total commercial and industrial loans | 28 |  |  | — |  |  | 247 |  |  | 275 |  |  | 17 |  |  | 292 |
Other loans |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | 7 |  |  | 7 |
Total other | — |  |  | — |  |  | — |  |  | — |  |  | 7 |  |  | 7 |
Total non-performing loans | $ | 3,771 |  |  | $ | 76 |  |  | $ | 6,416 |  |  | $ | 10,263 |  |  | $ | 211 |  |  | $ | 10,474 |
| 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 |
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 loans, net of deferred fees and costs, at June 30, 2022, and December 31, 2021 (in thousands):
| June 30, 2022
|  |  | 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 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,760,676 |  |  | $ | 2,760,676 |
Substandard | — |  |  | 3,746 |  |  | — |  |  | 3,746 |  |  | 6,580 |  |  | 10,326 |
Total multifamily | — |  |  | 3,746 |  |  | — |  |  | 3,746 |  |  | 2,767,256 |  |  | 2,771,002 |
Commercial |  |  |  |  |  |  |  |  |  |  |
Pass | 173 |  |  | — |  |  | — |  |  | 173 |  |  | 822,391 |  |  | 822,564 |
Special mention | 308 |  |  | — |  |  | — |  |  | 308 |  |  | 4,933 |  |  | 5,241 |
Substandard | 247 |  |  | 1,981 |  |  | 27 |  |  | 2,255 |  |  | 20,126 |  |  | 22,381 |
Total commercial | 728 |  |  | 1,981 |  |  | 27 |  |  | 2,736 |  |  | 847,450 |  |  | 850,186 |
One-to-four family residential |  |  |  |  |  |  |  |  |  |  |
Pass | 569 |  |  | — |  |  | — |  |  | 569 |  |  | 181,712 |  |  | 182,281 |
Special mention | 71 |  |  | — |  |  | — |  |  | 71 |  |  | 1,857 |  |  | 1,928 |
Substandard | 165 |  |  | 304 |  |  | 160 |  |  | 629 |  |  | 538 |  |  | 1,167 |
Total one-to-four family residential | 805 |  |  | 304 |  |  | 160 |  |  | 1,269 |  |  | 184,107 |  |  | 185,376 |
Home equity and lines of credit |  |  |  |  |  |  |  |  |  |  |
Pass | 11 |  |  | — |  |  | — |  |  | 11 |  |  | 137,263 |  |  | 137,274 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | 41 |  |  | 41 |
Substandard | 142 |  |  | 138 |  |  | — |  |  | 280 |  |  | 273 |  |  | 553 |
Total home equity and lines of credit | 153 |  |  | 138 |  |  | — |  |  | 291 |  |  | 137,577 |  |  | 137,868 |
Construction and land |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | 16,485 |  |  | 16,485 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 2,070 |  |  | 2,070 |
Total construction and land | — |  |  | — |  |  | — |  |  | — |  |  | 18,555 |  |  | 18,555 |
Total real estate | 1,686 |  |  | 6,169 |  |  | 187 |  |  | 8,042 |  |  | 3,954,945 |  |  | 3,962,987 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |
Pass | 846 |  |  | — |  |  | — |  |  | 846 |  |  | 130,544 |  |  | 131,390 |
Special mention | 100 |  |  | — |  |  | — |  |  | 100 |  |  | 191 |  |  | 291 |
Substandard | 150 |  |  | 247 |  |  | 17 |  |  | 414 |  |  | 1,327 |  |  | 1,741 |
Total commercial and industrial | 1,096 |  |  | 247 |  |  | 17 |  |  | 1,360 |  |  | 132,062 |  |  | 133,422 |
Other loans |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | 7 |  |  | 7 |  |  | 2,305 |  |  | 2,312 |
Total other loans | — |  |  | — |  |  | 7 |  |  | 7 |  |  | 2,305 |  |  | 2,312 |
Total loans held-for-investment | $ | 2,782 |  |  | $ | 6,416 |  |  | $ | 211 |  |  | $ | 9,409 |  |  | $ | 4,089,312 |  |  | $ | 4,098,721 |
| 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 |
Schedule of Non-accrual Loans, Excluding PCD Loans | The following tables summarize information on non-accrual loans, excluding PCD loans, as of June 30, 2022 and December 31, 2021 (in thousands):
| June 30, 2022 |  |  |
| Recorded Investment |  | Unpaid Principal Balance |  | With No Related Allowance |  |  |
Real estate loans: |  |  |  |  |  |  |  |
Multifamily | $ | 4,022 |  |  | $ | 4,031 |  |  | $ | 2,201 |  |  |  |
Commercial | 5,330 |  |  | 5,786 |  |  | 3,182 |  |  |  |
One-to-four family residential | 304 |  |  | 335 |  |  | — |  |  |  |
Home equity and lines of credit | 332 |  |  | 581 |  |  | — |  |  |  |
Commercial and industrial | 275 |  |  | 590 |  |  | — |  |  |  |
Total non-accrual loans | $ | 10,263 |  |  | $ | 11,323 |  |  | $ | 5,383 |  |  |  |
| December 31, 2021 |  |
| Recorded Investment |  | Unpaid Principal Balance |  | With No Related Allowance |  |
Real estate loans: |  |  |  |  |  |  |
Multifamily | $ | 1,882 |  |  | $ | 1,891 |  |  | $ | 512 |  |  |
Commercial | 5,117 |  |  | 5,627 |  |  | 3,729 |  |  |
One-to-four family residential | 314 |  |  | 346 |  |  | — |  |  |
Home equity and lines of credit | 281 |  |  | 530 |  |  | — |  |  |
Commercial and industrial | 28 |  |  | 349 |  |  | — |  |  |
Total non-accrual loans | $ | 7,622 |  |  | $ | 8,743 |  |  | $ | 4,241 |  |  |
Summary of Impaired Loans | The following table summarizes interest income on non-accrual loans, excluding PCD loans, during the three and six months ended June 30, 2022 and June 30, 2021.
| Three Months Ended June 30, |  | Six Months Ended June 30,
| 2022 |  | 2021 |  | 2022 |  | 2021
Real estate loans: |  |  |  |  |  |  |
Multifamily | $ | 24 |  |  | $ | 19 |  |  | $ | 48 |  |  | $ | 33 |
Commercial | 70 |  |  | 25 |  |  | 82 |  |  | 50 |
One-to-four family residential | 7 |  |  | — |  |  | 10 |  |  | 6 |
Home equity and lines of credit | 11 |  |  | — |  |  | 11 |  |  | 2 |
Commercial and industrial | 7 |  |  | 2 |  |  | 8 |  |  | 4 |
Total interest income on non-accrual loans | $ | 119 |  |  | $ | 46 |  |  | $ | 159 |  |  | $ | 95 |

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