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LOANS AND LEASES | 9 Months Ended
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Sep. 30, 2024
Receivables [Abstract] |
LOANS AND LEASES | 3. LOANS AND LEASES Loans outstanding, excluding those held for sale, by general ledger classification, as of September 30, 2024 and December 31, 2023, consisted of the following:
|  |  |  |  | % of |  |  |  |  |  | % of |
|  | September 30, |  |  | Totals |  |  | December 31, |  |  | Total |
(Dollars in thousands) |  | 2024 |  |  | Loans |  |  | 2023 |  |  | Loans |
Residential mortgage |  | $ | 590,813 |  |  |  | 11.12 | % |  | $ | 578,327 |  |  |  | 10.65 | %
Multifamily mortgage |  |  | 1,784,861 |  |  |  | 33.58 |  |  |  | 1,836,390 |  |  |  | 33.82 |
Commercial mortgage |  |  | 578,559 |  |  |  | 10.88 |  |  |  | 637,625 |  |  |  | 11.74 |
Commercial loans (including equipment financing) |  |  | 2,221,243 |  |  |  | 41.79 |  |  |  | 2,260,524 |  |  |  | 41.64 |
Commercial construction |  |  | 22,421 |  |  |  | 0.42 |  |  |  | 17,721 |  |  |  | 0.33 |
Home equity lines of credit |  |  | 38,971 |  |  |  | 0.73 |  |  |  | 36,464 |  |  |  | 0.67 |
Consumer loans, including fixed rate home equity loans |  |  | 78,160 |  |  |  | 1.47 |  |  |  | 62,036 |  |  |  | 1.14 |
Other loans |  |  | 389 |  |  |  | 0.01 |  |  |  | 238 |  |  |  | 0.01 |
Total loans |  | $ | 5,315,417 |  |  |  | 100.00 | % |  | $ | 5,429,325 |  |  |  | 100.00 | %
In determining an appropriate amount for the allowance, the Bank segments and aggregated the loan portfolio based on common characteristics. The following pool segments identified as of September 30, 2024 and December 31, 2023 are based on the CECL methodology:
|  |  |  |  | % of |  |  |  |  |  | % of |
|  | September 30, |  |  | Totals |  |  | December 31, |  |  | Total |
(Dollars in thousands) |  | 2024 |  |  | Loans |  |  | 2023 |  |  | Loans |
Primary residential mortgage |  | $ | 590,681 |  |  |  | 11.12 | % |  | $ | 585,126 |  |  |  | 10.78 | %
Junior lien loan on residence |  |  | 42,159 |  |  |  | 0.79 |  |  |  | 40,203 |  |  |  | 0.74 |
Multifamily property |  |  | 1,784,861 |  |  |  | 33.59 |  |  |  | 1,836,390 |  |  |  | 33.85 |
Owner-occupied commercial real estate |  |  | 269,743 |  |  |  | 5.08 |  |  |  | 255,110 |  |  |  | 4.70 |
Investment commercial real estate |  |  | 979,188 |  |  |  | 18.43 |  |  |  | 1,061,197 |  |  |  | 19.56 |
Commercial and industrial |  |  | 1,306,170 |  |  |  | 24.58 |  |  |  | 1,314,781 |  |  |  | 24.23 |
Lease financing |  |  | 231,284 |  |  |  | 4.35 |  |  |  | 251,423 |  |  |  | 4.63 |
Construction |  |  | 28,578 |  |  |  | 0.54 |  |  |  | 17,987 |  |  |  | 0.33 |
Consumer and other |  |  | 80,795 |  |  |  | 1.52 |  |  |  | 63,906 |  |  |  | 1.18 |
Total loans |  |  | 5,313,459 |  |  |  | 100.00 | % |  |  | 5,426,123 |  |  |  | 100.00 | %
Net deferred costs |  |  | 1,958 |  |  |  |  |  |  | 3,202 |  |  |  |
Total loans including net deferred costs |  | $ | 5,315,417 |  |  |  |  |  | $ | 5,429,325 |  |  |  |
The following tables present the recorded investment in nonaccrual and loans past due 90 days or over still on accrual by class of loans as of September 30, 2024 and December 31, 2023:
|  |  |  |  | September 30, 2024 |  |  |  |
|  | Nonaccrual |  |  |  |  |  | Loans Past Due |
|  | With No |  |  |  |  |  | 90 Days or Over |
|  | Allowance |  |  |  |  |  | And Still |
(In thousands) |  | for Credit Loss |  |  | Nonaccrual |  |  | Accruing Interest |
Primary residential mortgage |  | $ | 2,136 |  |  | $ | 2,136 |  |  | $ | — |
Junior lien loan on residence |  |  | 96 |  |  |  | 96 |  |  |  | — |
Multifamily property |  |  | 15,294 |  |  |  | 33,337 |  |  |  | — |
Investment commercial real estate |  |  | — |  |  |  | 11,715 |  |  |  | — |
Commercial and industrial |  |  | 3,641 |  |  |  | 29,810 |  |  |  | — |
Lease financing |  |  | 2,555 |  |  |  | 3,355 |  |  |  | — |
Consumer and other |  |  | 4 |  |  |  | 4 |  |  |  | — |
Total |  | $ | 23,726 |  |  | $ | 80,453 |  |  | $ | — |
|  |  |  |  | December 31, 2023 |  |  |  |
|  | Nonaccrual |  |  |  |  |  | Loans Past Due |
|  | With No |  |  |  |  |  | 90 Days or Over |
|  | Allowance |  |  |  |  |  | And Still |
(In thousands) |  | for Credit Loss |  |  | Nonaccrual |  |  | Accruing Interest |
Primary residential mortgage |  | $ | 1,263 |  |  | $ | 1,263 |  |  | $ | — |
Junior lien loan on residence |  |  | 100 |  |  |  | 100 |  |  |  | — |
Multifamily property |  |  | 16,645 |  |  |  | 16,645 |  |  |  | — |
Investment commercial real estate |  |  | 9,881 |  |  |  | 9,881 |  |  |  | — |
Commercial and industrial |  |  | 3,965 |  |  |  | 31,430 |  |  |  | — |
Lease financing |  |  | 946 |  |  |  | 2,002 |  |  |  | — |
Consumer and other |  |  | 3 |  |  |  | 3 |  |  |  | — |
Total |  | $ | 32,803 |  |  | $ | 61,324 |  |  | $ | — |
The following tables present the aging of the recorded investment in past due loans as of September 30, 2024 and December 31, 2023 by class of loans, excluding nonaccrual loans:
|  | September 30, 2024 |
|  | 30-59 |  |  | 60-89 |  |  | 90 Days or |  |  |  |
|  | Days |  |  | Days |  |  | Greater |  |  | Total |
(In thousands) |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |
Primary residential mortgage |  | $ | 2,170 |  |  | $ | 1,144 |  |  | $ | — |  |  | $ | 3,314 |
Junior lien loan on residence |  |  | 52 |  |  |  | — |  |  |  | — |  |  |  | 52 |
Multifamily property |  |  | — |  |  |  | 28,080 |  |  |  | — |  |  |  | 28,080 |
Total |  | $ | 2,222 |  |  | $ | 29,224 |  |  | $ | — |  |  | $ | 31,446 |
|  | December 31, 2023 |
|  | 30-59 |  |  | 60-89 |  |  | 90 Days or |  |  |  |
|  | Days |  |  | Days |  |  | Greater |  |  | Total |
(In thousands) |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |
Primary residential mortgage |  | $ | 2,448 |  |  | $ | 1,061 |  |  | $ | — |  |  | $ | 3,509 |
Junior lien on residence |  |  | 84 |  |  |  | — |  |  |  | — |  |  |  | 84 |
Multifamily property |  |  | 11,814 |  |  |  | — |  |  |  | — |  |  |  | 11,814 |
Commercial and industrial |  |  | 7,297 |  |  |  | 11,498 |  |  |  | — |  |  |  | 18,795 |
Consumer and other |  |  | 387 |  |  |  | — |  |  |  | — |  |  |  | 387 |
Total |  | $ | 22,030 |  |  | $ | 12,559 |  |  | $ | — |  |  | $ | 34,589 |
There were several loan modifications made during the first nine months of 2024, which included one investment commercial real estate loan, one commercial loan and one equipment finance of $17.3 million, $11.7 million and $10.5 million, respectively, that were completed during the third quarter of 2024. Loans past due 30 through 89 days at September 30, 2024 included $19.7 million of multifamily loans to two sponsors. Subsequent to September 30, 2024 these loans have been placed on nonaccrual status and downgraded to substandard. Credit Quality Indicators: The Company places all commercial loans into various credit risk rating categories based on an assessment of the expected ability of the borrowers to properly service their debt. The assessment considers numerous factors including, but not limited to, current financial information on the borrower, historical payment experience, strength of any guarantor, nature of and value of any collateral, acceptability of the loan structure and documentation, relevant public information and current economic trends. This credit risk rating analysis is performed when the loan is initially underwritten and then annually based on set criteria in the loan policy. In addition, the Bank has engaged an independent loan review firm to validate risk ratings and to ensure compliance with our policies and procedures. This review of the following types of loans is performed quarterly: • A large sample of relationships or new lending to existing relationships greater than $1,000,000 booked since the prior review; • All criticized and classified rated borrowers with relationship exposure of more than $500,000; • A large sample of Pass-rated (including Pass Watch) borrowers with total relationships in excess of $1,000,000 and a small sample of Pass related relationships less than $1,000,000; • All leveraged loans of $1,000,000 or greater; • At least two borrowing relationships managed by each commercial banker; • Any new Federal Reserve Board Regulation O loan commitments over $1,000,000; and • Any other credits requested by Bank senior management or a member of the Board of Directors and any borrower for which the reviewer determines a review is warranted based upon knowledge of the portfolio, local events, industry stresses, etc. The review excludes borrowers with commitments of less than $500,000. The Company uses the following regulatory definitions for criticized and classified risk ratings: Special Mention: These loans have a potential weakness that deserves Management’s close attention. If left uncorrected, the potential weaknesses may result in deterioration of the repayment prospects for the loans or of the institution’s credit position at some future date. Substandard: These loans are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful: These loans have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable, based on currently existing facts, conditions and values. Loans not meeting the criteria above that are analyzed individually as part of the above-described process are considered to be pass-rated loans. With the adoption of CECL, loans that are in the process of or expected to be in foreclosure are deemed to be collateral dependent with respect to measuring potential loss and allowance adequacy and are individually evaluated by Management. Loans that do not share common risk characteristics are also evaluated on an individual basis. All other loans are evaluated using a non-linear discounted cash flow methodology for measuring potential loss and allowance adequacy. The following is a summary of the credit risk profile of loans by internally assigned grade as of September 30, 2024 and December 31, 2023 based on originations for the periods indicated; the years represent the year of origination for non-revolving loans:
|  | Grade as of September 30, 2024 for Loans Originated During |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2019 |  |  |  |  |  | Revolving- |  |  |  |
(In thousands) |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | and Prior |  |  | Revolving |  |  | Term |  |  | Total |
Primary residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 41,801 |  |  | $ | 90,809 |  |  | $ | 110,932 |  |  | $ | 76,105 |  |  | $ | 53,790 |  |  | $ | 208,748 |  |  | $ | — |  |  | $ | 5,680 |  |  | $ | 587,865 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard |  |  | — |  |  |  | 1,087 |  |  |  | 97 |  |  |  | — |  |  |  | 450 |  |  |  | 1,182 |  |  |  | — |  |  |  | — |  |  |  | 2,816 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total primary residential mortgages |  |  | 41,801 |  |  |  | 91,896 |  |  |  | 111,029 |  |  |  | 76,105 |  |  |  | 54,240 |  |  |  | 209,930 |  |  |  | — |  |  |  | 5,680 |  |  |  | 590,681 |
Current period gross charge-offs |  |  | — |  |  |  | 43 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 43 |
Junior lien loan on residence: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | — |  |  |  | 819 |  |  |  | 1,188 |  |  |  | 103 |  |  |  | — |  |  |  | 1,080 |  |  |  | 32,410 |  |  |  | 6,463 |  |  |  | 42,063 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 95 |  |  |  | 1 |  |  |  | 96 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total junior lien loan on residence |  |  | — |  |  |  | 819 |  |  |  | 1,188 |  |  |  | 103 |  |  |  | — |  |  |  | 1,080 |  |  |  | 32,505 |  |  |  | 6,464 |  |  |  | 42,159 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Multifamily property: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 17,512 |  |  |  | 51,742 |  |  |  | 455,228 |  |  |  | 598,057 |  |  |  | 118,001 |  |  |  | 438,991 |  |  |  | 4,939 |  |  |  | 3,524 |  |  |  | 1,687,994 |
Special mention |  |  | — |  |  |  | — |  |  |  | 3,405 |  |  |  | 28,343 |  |  |  | — |  |  |  | 20,962 |  |  |  | — |  |  |  | — |  |  |  | 52,710 |
Substandard |  |  | — |  |  |  | — |  |  |  | 13,366 |  |  |  | — |  |  |  | — |  |  |  | 30,791 |  |  |  | — |  |  |  | — |  |  |  | 44,157 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total multifamily property |  |  | 17,512 |  |  |  | 51,742 |  |  |  | 471,999 |  |  |  | 626,400 |  |  |  | 118,001 |  |  |  | 490,744 |  |  |  | 4,939 |  |  |  | 3,524 |  |  |  | 1,784,861 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,088 |  |  |  | — |  |  |  | 3,291 |  |  |  | — |  |  |  | — |  |  |  | 5,379 |
Owner-occupied commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 26,172 |  |  |  | 4,233 |  |  |  | 23,033 |  |  |  | 43,842 |  |  |  | 19,096 |  |  |  | 125,011 |  |  |  | 15,315 |  |  |  | 10,546 |  |  |  | 267,248 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,161 |  |  |  | — |  |  |  | 1,334 |  |  |  | — |  |  |  | — |  |  |  | 2,495 |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total owner-occupied commercial real estate |  |  | 26,172 |  |  |  | 4,233 |  |  |  | 23,033 |  |  |  | 45,003 |  |  |  | 19,096 |  |  |  | 126,345 |  |  |  | 15,315 |  |  |  | 10,546 |  |  |  | 269,743 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Investment commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 24,234 |  |  |  | 124,323 |  |  |  | 170,365 |  |  |  | 138,114 |  |  |  | 55,937 |  |  |  | 357,040 |  |  |  | 14,443 |  |  |  | 26,592 |  |  |  | 911,048 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 25,189 |  |  |  | — |  |  |  | 13,910 |  |  |  | 39,099 |
Substandard |  |  | — |  |  |  | — |  |  |  | 9,786 |  |  |  | — |  |  |  | — |  |  |  | 19,255 |  |  |  | — |  |  |  | — |  |  |  | 29,041 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total investment commercial real estate |  |  | 24,234 |  |  |  | 124,323 |  |  |  | 180,151 |  |  |  | 138,114 |  |  |  | 55,937 |  |  |  | 401,484 |  |  |  | 14,443 |  |  |  | 40,502 |  |  |  | 979,188 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 165,508 |  |  |  | 140,258 |  |  |  | 168,705 |  |  |  | 129,582 |  |  |  | 14,002 |  |  |  | 24,813 |  |  |  | 549,628 |  |  |  | 26,371 |  |  |  | 1,218,867 |
Special mention |  |  | — |  |  |  | 210 |  |  |  | — |  |  |  | 10,983 |  |  |  | — |  |  |  | 1,350 |  |  |  | 6,193 |  |  |  | 615 |  |  |  | 19,351 |
Substandard |  |  | — |  |  |  | 1,894 |  |  |  | 30,266 |  |  |  | 52 |  |  |  | 2,049 |  |  |  | 3,563 |  |  |  | 27,419 |  |  |  | 2,709 |  |  |  | 67,952 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total commercial and industrial |  |  | 165,508 |  |  |  | 142,362 |  |  |  | 198,971 |  |  |  | 140,617 |  |  |  | 16,051 |  |  |  | 29,726 |  |  |  | 583,240 |  |  |  | 29,695 |  |  |  | 1,306,170 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 241 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 241 |
Lease financing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 31,987 |  |  |  | 45,673 |  |  |  | 41,099 |  |  |  | 53,629 |  |  |  | 28,090 |  |  |  | 27,450 |  |  |  | — |  |  |  | — |  |  |  | 227,928 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard |  |  | — |  |  |  | 801 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,555 |  |  |  | — |  |  |  | — |  |  |  | 3,356 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total lease financing |  |  | 31,987 |  |  |  | 46,474 |  |  |  | 41,099 |  |  |  | 53,629 |  |  |  | 28,090 |  |  |  | 30,005 |  |  |  | — |  |  |  | — |  |  |  | 231,284 |
|  | Grade as of September 30, 2024 for Loans Originated During |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2019 |  |  |  |  |  | Revolving- |  |  |  |
(In thousands) |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | and Prior |  |  | Revolving |  |  | Term |  |  | Total |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 28,578 |  |  |  | — |  |  |  | 28,578 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total commercial construction loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 28,578 |  |  |  | — |  |  |  | 28,578 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 29,855 |  |  |  | 3,063 |  |  |  | — |  |  |  | 238 |  |  |  | 129 |  |  |  | 3,678 |  |  |  | 40,947 |  |  |  | 2,881 |  |  |  | 80,791 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4 |  |  |  | — |  |  |  | 4 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total consumer and other loans |  |  | 29,855 |  |  |  | 3,063 |  |  |  | — |  |  |  | 238 |  |  |  | 129 |  |  |  | 3,678 |  |  |  | 40,951 |  |  |  | 2,881 |  |  |  | 80,795 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | 19 |  |  |  | 21 |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 337,069 |  |  |  | 460,920 |  |  |  | 970,550 |  |  |  | 1,039,670 |  |  |  | 289,045 |  |  |  | 1,186,811 |  |  |  | 686,260 |  |  |  | 82,057 |  |  |  | 5,052,382 |
Special mention |  |  | — |  |  |  | 210 |  |  |  | 3,405 |  |  |  | 40,487 |  |  |  | — |  |  |  | 48,835 |  |  |  | 6,193 |  |  |  | 14,525 |  |  |  | 113,655 |
Substandard |  |  | — |  |  |  | 3,782 |  |  |  | 53,515 |  |  |  | 52 |  |  |  | 2,499 |  |  |  | 57,346 |  |  |  | 27,518 |  |  |  | 2,710 |  |  |  | 147,422 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total Loans |  | $ | 337,069 |  |  | $ | 464,912 |  |  | $ | 1,027,470 |  |  | $ | 1,080,209 |  |  | $ | 291,544 |  |  | $ | 1,292,992 |  |  | $ | 719,971 |  |  | $ | 99,292 |  |  | $ | 5,313,459 |
Total Current Period Gross Charge-offs |  | $ | — |  |  | $ | 43 |  |  | $ | — |  |  | $ | 2,088 |  |  | $ | 241 |  |  | $ | 3,293 |  |  | $ | — |  |  | $ | 19 |  |  | $ | 5,684 |
|  | Grade as of December 31, 2023 for Loans Originated During |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2018 |  |  |  |  |  | Revolving- |  |  |  |
(In thousands) |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | and Prior |  |  | Revolving |  |  | Term |  |  | Total |
Primary residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 94,688 |  |  | $ | 114,532 |  |  | $ | 80,175 |  |  | $ | 56,191 |  |  | $ | 35,418 |  |  | $ | 196,251 |  |  | $ | — |  |  | $ | 5,535 |  |  | $ | 582,790 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 473 |  |  |  | 935 |  |  |  | 928 |  |  |  | — |  |  |  | — |  |  |  | 2,336 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total primary residential mortgages |  |  | 94,688 |  |  |  | 114,532 |  |  |  | 80,175 |  |  |  | 56,664 |  |  |  | 36,353 |  |  |  | 197,179 |  |  |  | — |  |  |  | 5,535 |  |  |  | 585,126 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Junior lien loan on residence: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 872 |  |  |  | 1,394 |  |  |  | 135 |  |  |  | — |  |  |  | 530 |  |  |  | 808 |  |  |  | 29,620 |  |  |  | 6,680 |  |  |  | 40,039 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 163 |  |  |  | 1 |  |  |  | 164 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total junior lien loan on residence |  |  | 872 |  |  |  | 1,394 |  |  |  | 135 |  |  |  | — |  |  |  | 530 |  |  |  | 808 |  |  |  | 29,783 |  |  |  | 6,681 |  |  |  | 40,203 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Multifamily property: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 52,072 |  |  |  | 476,972 |  |  |  | 645,093 |  |  |  | 119,934 |  |  |  | 209,299 |  |  |  | 295,226 |  |  |  | 8,451 |  |  |  | — |  |  |  | 1,807,047 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,650 |  |  |  | — |  |  |  | — |  |  |  | 1,650 |
Substandard |  |  | — |  |  |  | 1,572 |  |  |  | 7,491 |  |  |  | — |  |  |  | 10,370 |  |  |  | 8,260 |  |  |  | — |  |  |  | — |  |  |  | 27,693 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total multifamily property |  |  | 52,072 |  |  |  | 478,544 |  |  |  | 652,584 |  |  |  | 119,934 |  |  |  | 219,669 |  |  |  | 305,136 |  |  |  | 8,451 |  |  |  | — |  |  |  | 1,836,390 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | 2,223 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,223 |
Owner-occupied commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 4,333 |  |  |  | 23,590 |  |  |  | 39,563 |  |  |  | 19,457 |  |  |  | 11,788 |  |  |  | 126,430 |  |  |  | 17,559 |  |  |  | 10,731 |  |  |  | 253,451 |
Special mention |  |  | — |  |  |  | — |  |  |  | 1,197 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 462 |  |  |  | — |  |  |  | 1,659 |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total owner-occupied commercial real estate |  |  | 4,333 |  |  |  | 23,590 |  |  |  | 40,760 |  |  |  | 19,457 |  |  |  | 11,788 |  |  |  | 126,430 |  |  |  | 18,021 |  |  |  | 10,731 |  |  |  | 255,110 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Investment commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 125,568 |  |  |  | 173,660 |  |  |  | 150,026 |  |  |  | 57,811 |  |  |  | 144,447 |  |  |  | 314,411 |  |  |  | 30,124 |  |  |  | 13,379 |  |  |  | 1,009,426 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 21,936 |  |  |  | 3,834 |  |  |  | — |  |  |  | 14,172 |  |  |  | 39,942 |
Substandard |  |  | — |  |  |  | 9,881 |  |  |  | — |  |  |  | — |  |  |  | 1,948 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 11,829 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total investment commercial real estate |  |  | 125,568 |  |  |  | 183,541 |  |  |  | 150,026 |  |  |  | 57,811 |  |  |  | 168,331 |  |  |  | 318,245 |  |  |  | 30,124 |  |  |  | 27,551 |  |  |  | 1,061,197 |
Current period gross charge-offs |  |  | — |  |  |  | 1,199 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,199 |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 226,699 |  |  |  | 216,864 |  |  |  | 191,389 |  |  |  | 39,003 |  |  |  | 26,570 |  |  |  | 16,845 |  |  |  | 516,844 |  |  |  | 23,687 |  |  |  | 1,257,901 |
Special mention |  |  | — |  |  |  | — |  |  |  | 758 |  |  |  | — |  |  |  | 1,161 |  |  |  | 190 |  |  |  | 14,232 |  |  |  | 194 |  |  |  | 16,535 |
Substandard |  |  | 1,212 |  |  |  | 22,297 |  |  |  | 1,467 |  |  |  | 1,865 |  |  |  | 953 |  |  |  | 2,524 |  |  |  | 7,571 |  |  |  | 2,456 |  |  |  | 40,345 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total commercial and industrial |  |  | 227,911 |  |  |  | 239,161 |  |  |  | 193,614 |  |  |  | 40,868 |  |  |  | 28,684 |  |  |  | 19,559 |  |  |  | 538,647 |  |  |  | 26,337 |  |  |  | 1,314,781 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Lease financing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 50,706 |  |  |  | 42,447 |  |  |  | 61,547 |  |  |  | 39,710 |  |  |  | 24,113 |  |  |  | 19,287 |  |  |  | — |  |  |  | — |  |  |  | 237,810 |
Special mention |  |  | — |  |  |  | 9,631 |  |  |  | 511 |  |  |  | — |  |  |  | 1,375 |  |  |  | 94 |  |  |  | — |  |  |  | — |  |  |  | 11,611 |
Substandard |  |  | 1,056 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 946 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,002 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
|  | Grade as of December 31, 2023 for Loans Originated During |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2018 |  |  |  |  |  | Revolving- |  |  |  |
(In thousands) |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | and Prior |  |  | Revolving |  |  | Term |  |  | Total |
Total lease financing |  |  | 51,762 |  |  |  | 52,078 |  |  |  | 62,058 |  |  |  | 39,710 |  |  |  | 26,434 |  |  |  | 19,381 |  |  |  | — |  |  |  | — |  |  |  | 251,423 |
Current period gross charge-offs |  |  | — |  |  |  | 4,800 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 794 |  |  |  | — |  |  |  | — |  |  |  | 5,594 |
Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 17,987 |  |  |  | — |  |  |  | 17,987 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total commercial construction loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 17,987 |  |  |  | — |  |  |  | 17,987 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 3,934 |  |  |  | — |  |  |  | 301 |  |  |  | 158 |  |  |  | — |  |  |  | 4,141 |  |  |  | 51,788 |  |  |  | 3,581 |  |  |  | 63,903 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3 |  |  |  | — |  |  |  | 3 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total consumer and other loans |  |  | 3,934 |  |  |  | — |  |  |  | 301 |  |  |  | 158 |  |  |  | — |  |  |  | 4,141 |  |  |  | 51,791 |  |  |  | 3,581 |  |  |  | 63,906 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 139 |  |  |  | — |  |  |  | 139 |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 558,872 |  |  |  | 1,049,459 |  |  |  | 1,168,229 |  |  |  | 332,264 |  |  |  | 452,165 |  |  |  | 973,399 |  |  |  | 672,373 |  |  |  | 63,593 |  |  |  | 5,270,354 |
Special mention |  |  | — |  |  |  | 9,631 |  |  |  | 2,466 |  |  |  | — |  |  |  | 24,472 |  |  |  | 5,768 |  |  |  | 14,694 |  |  |  | 14,366 |  |  |  | 71,397 |
Substandard |  |  | 2,268 |  |  |  | 33,750 |  |  |  | 8,958 |  |  |  | 2,338 |  |  |  | 15,152 |  |  |  | 11,712 |  |  |  | 7,737 |  |  |  | 2,457 |  |  |  | 84,372 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total Loans |  | $ | 561,140 |  |  | $ | 1,092,840 |  |  | $ | 1,179,653 |  |  | $ | 334,602 |  |  | $ | 491,789 |  |  | $ | 990,879 |  |  | $ | 694,804 |  |  | $ | 80,416 |  |  | $ | 5,426,123 |
Total Current Period Gross Charge-offs |  | $ | — |  |  | $ | 5,999 |  |  | $ | 2,223 |  |  | $ | — |  |  | $ | — |  |  | $ | 794 |  |  | $ | 139 |  |  | $ | — |  |  | $ | 9,155 |
At September 30, 2024, $80.0 million of substandard loans were individually evaluated, compared to $60.6 million at December 31, 2023. The increase in individually evaluated substandard loans was primarily due to six multifamily loans with a balance of $31.8 million that were graded as substandard during the nine months of 2024, offset by the sale of two multifamily individually evaluated loans totaling $15.1 million. Loan Modifications: On January 1, 2023, the Company adopted Accounting Standards Update 2022-02, which replaced the accounting and recognition of troubled debt restructurings. The Company will provide modifications, which may include other than insignificant delays in payment of amounts due, extension of the terms of the notes or reduction in the interest rates on the notes. In certain instances, the Company may grant more than one type of modification. All accruing modified loans were paying in accordance with their modified terms as of September 30, 2024. The Company has not committed to lend additional amounts as of September 30, 2024 to customers with outstanding loans that are classified as modified loans. The following table provides information related to the modifications during the three months ended September 30, 2024 by pool segment and type of concession granted:
|  | Significant Payment Delay |
|  | Three Months Ended September 30, 2024 |
|  |  |  |  | % of Total |
|  | Amortized |  |  | Class of |
|  | Cost Basis |  |  | Financing |
(Dollars in thousands) |  | at Period End |  |  | Receivable |
Primary residential mortgage |  | $ | 542 |  |  |  | 0.09 | %
Investment commercial real estate |  |  | 17,326 |  |  |  | 1.77 | %
Commercial and industrial |  |  | 68 |  |  |  | 0.01 | %
Total |  | $ | 17,936 |  |  |  | 1.87 | %
|  | Significant Payment Delay |
|  | and Term Extension |
|  | Three Months Ended September 30, 2024 |
|  |  |  |  | % of Total |
|  | Amortized |  |  | Class of |
|  | Cost Basis |  |  | Financing |
(Dollars in thousands) |  | at Period End |  |  | Receivable |
Commercial and industrial |  | $ | 10,521 |  |  |  | 0.81 | %
Total |  | $ | 10,521 |  |  |  | 0.81 | %
The following tables provide information related to the modifications during the nine months ended September 30, 2024 by pool segment and type of concession granted:
|  | Interest Rate Reduction and Term Extension |
|  | Nine Months Ended September 30, 2024 |
|  |  |  |  | % of Total |
|  | Amortized |  |  | Class of |
|  | Cost Basis |  |  | Financing |
(Dollars in thousands) |  | at Period End |  |  | Receivable |
Commercial and industrial |  | $ | 12,169 |  |  |  | 0.93 | %
Total |  | $ | 12,169 |  |  |  | 0.93 | %
|  | Significant Payment Delay |
|  | Nine Months Ended September 30, 2024 |
|  |  |  |  | % of Total |
|  | Amortized |  |  | Class of |
|  | Cost Basis |  |  | Financing |
(Dollars in thousands) |  | at Period End |  |  | Receivable |
Primary residential mortgage |  | $ | 542 |  |  |  | 0.09 | %
Investment commercial real estate |  |  | 17,326 |  |  |  | 1.77 | %
Commercial and industrial |  |  | 11,780 |  |  |  | 0.90 | %
Total |  | $ | 29,648 |  |  |  | 2.76 | %
|  | Significant Payment Delay |
|  | and Term Extension |
|  | Nine Months Ended September 30, 2024 |
|  |  |  |  | % of Total |
|  | Amortized |  |  | Class of |
|  | Cost Basis |  |  | Financing |
(Dollars in thousands) |  | at Period End |  |  | Receivable |
Commercial and industrial |  | $ | 10,521 |  |  |  | 0.81 | %
Total |  | $ | 10,521 |  |  |  | 0.81 | %
There were no modifications during the three months ended September 30, 2023. The following tables provide information related to the modifications during the nine months ended September 30, 2023 by pool segment and type of concession granted:
|  | Significant Pay Delay |
|  | Nine Months Ended September 30, 2023 |
|  |  |  |  | % of Total |
|  | Amortized |  |  | Class of |
|  | Cost Basis |  |  | Financing |
(Dollars in thousands) |  | at Period End |  |  | Receivable |
Commercial and industrial |  | $ | 248 |  |  |  | 0.02 | %
Total |  | $ | 248 |  |  |  | 0.02 | %
|  | Interest Rate Reduction |
|  | Nine Months Ended September 30, 2023 |
|  |  |  |  | % of Total |
|  | Amortized |  |  | Class of |
|  | Cost Basis |  |  | Financing |
(Dollars in thousands) |  | at Period End |  |  | Receivable |
Commercial and industrial |  | $ | 3,077 |  |  |  | 0.23 | %
Total |  | $ | 3,077 |  |  |  | 0.23 | %
The following table depicts the payment status of the loans that were modified to a borrower experiencing financial difficulties on or after January 1, 2023, the date we adopted ASU 2022-02, through September 30, 2024:
|  | Payment Status at September 30, 2024 |
|  |  |  |  | 30-89 Days |  |  | 90+ Days |
(Dollars in thousands) |  | Current |  |  | Past Due |  |  | Past Due |
Primary residential mortgage |  | $ | 542 |  |  | $ | 118 |  |  | $ | — |
Investment commercial real estate |  |  | 17,326 |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 34,470 |  |  |  | 2,799 |  |  |  | 248 |
Total |  | $ | 52,338 |  |  | $ | 2,917 |  |  | $ | 248 |
The following table presents loans by class modified that failed to comply with the modified terms in the twelve months following modification and resulted in a payment default at September 30, 2024:
|  | Amortized Cost Basis of Modified Loans |
|  | That Subsequently Defaulted |
|  | Nine Months Ended September 30, 2024 |
|  | Significant |  |  | Interest |
(Dollars in thousands) |  | Pay Delay |  |  | Rate Reduction |
Primary residential mortgage |  | $ | 118 |  |  | $ | — |
Total |  | $ | 118 |  |  | $ | — |
The following table presents loans by class modified that failed to comply with the modified terms in the twelve months following modification and resulted in a payment default at September 30, 2023:
|  | Amortized Cost Basis of Modified Loans |
|  | That Subsequently Defaulted |
|  | Nine Months Ended September 30, 2023 |
|  | Significant |  |  | Interest |
(Dollars in thousands) |  | Pay Delay |  |  | Rate Reduction |
Commercial and industrial |  | $ | 248 |  |  | $ | — |
Total |  | $ | 248 |  |  | $ | — |

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