v3.25.3

LOANS (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2025
LOANS |
Schedule of summary of loans held for investment | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | September 30, | ​ | December 31,
(dollars in thousands) |  | 2025 |  | 2024
Outstanding principal balance: | ​ |  | ​ | ​ |  | ​
Loans secured by real estate: |  | ​ |  |  | ​ |
Residential properties: |  | ​ |  |  | ​ |
Multifamily | ​ | $ | 3,271,998 | ​ | $ | 3,341,823
Single-family | ​ |  | 822,923 | ​ |  | 873,491
Total real estate loans secured by residential properties | ​ |  | 4,094,921 | ​ |  | 4,215,314
Commercial properties | ​ |  | 746,028 | ​ |  | 904,167
Land and construction | ​ |  | 37,734 | ​ |  | 69,246
Total real estate loans | ​ |  | 4,878,683 | ​ |  | 5,188,727
Commercial and industrial loans | ​ |  | 2,416,652 | ​ |  | 2,746,351
Consumer loans | ​ |  | 1,560 | ​ |  | 1,137
Total loans | ​ |  | 7,296,895 | ​ |  | 7,936,215
Premiums, discounts and deferred fees and expenses | ​ |  | 5,520 | ​ |  | 5,178
Total | ​ | $ | 7,302,415 | ​ | $ | 7,941,393
Summary of delinquent and nonaccrual loans | The following table summarizes our delinquent and nonaccrual loans as of:
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Past Due and Still Accruing | ​ | ​ | ​ | ​ | Total Past | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | 90 Days | ​ | ​ | ​ | ​ | Due and | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | 30–59 Days |  | 60-89 Days |  | or More |  | Nonaccrual |  | Nonaccrual |  | Current |  | Total
September 30, 2025: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Real estate loans: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Residential properties | ​ | $ | 9,617 | ​ | $ | — | ​ | $ | — | ​ | $ | 19,761 | ​ | $ | 29,378 | ​ | $ | 4,075,011 | ​ | $ | 4,104,389
Commercial properties | ​ |  | — | ​ |  | — | ​ |  | 348 | ​ |  | 5,592 | ​ |  | 5,940 | ​ |  | 739,730 | ​ |  | 745,670
Land and construction | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 37,699 | ​ |  | 37,699
Commercial and industrial loans | ​ |  | 632 | ​ |  | 165 | ​ |  | 344 | ​ |  | 32,078 | ​ |  | 33,219 | ​ |  | 2,379,877 | ​ |  | 2,413,096
Consumer loans | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 1,561 | ​ |  | 1,561
Total | ​ | $ | 10,249 | ​ | $ | 165 | ​ | $ | 692 | ​ | $ | 57,431 | ​ | $ | 68,537 | ​ | $ | 7,233,878 | ​ | $ | 7,302,415
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Percentage of total loans | ​ |  | 0.14 | % |  | 0.00 | % |  | 0.01 | % |  | 0.79 | % |  | 0.94 | % |  |  | ​ |  |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
December 31, 2024: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Real estate loans: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Residential properties | ​ | $ | 7,083 | ​ | $ | — | ​ | $ | — | ​ | $ | 23,324 | ​ | $ | 30,407 | ​ | $ | 4,193,994 | ​ | $ | 4,224,401
Commercial properties | ​ |  | 7,944 | ​ |  | 428 | ​ |  | 12,900 | ​ |  | 7,946 | ​ |  | 29,218 | ​ |  | 874,463 | ​ |  | 903,681
Land and construction | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 69,134 | ​ |  | 69,134
Commercial and industrial loans | ​ |  | 997 | ​ |  | 617 | ​ |  | — | ​ |  | 9,174 | ​ |  | 10,788 | ​ |  | 2,732,226 | ​ |  | 2,743,014
Consumer loans | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 1,163 | ​ |  | 1,163
Total | ​ | $ | 16,024 | ​ | $ | 1,045 | ​ | $ | 12,900 | ​ | $ | 40,444 | ​ | $ | 70,413 | ​ | $ | 7,870,980 | ​ | $ | 7,941,393
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Percentage of total loans | ​ |  | 0.20 | % |  | 0.01 | % |  | 0.16 | % |  | 0.51 | % |  | 0.89 | % |  |  | ​ |  |
Summary of nonaccrual loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nonaccrual | ​ | Nonaccrual
​ | ​ | with Allowance | ​ | with no Allowance
(dollars in thousands) |  | for Credit Losses |  | for Credit Losses
September 30, 2025: | ​ |  | ​ | ​ |  |
Real estate loans: | ​ | ​ | ​ | ​ | ​ | ​
Residential properties | ​ | $ | 660 | ​ | $ | 19,100
Commercial properties | ​ | ​ | 4,663 | ​ | ​ | 930
Commercial and industrial loans | ​ |  | 31,903 | ​ |  | 175
Total | ​ | $ | 37,226 | ​ | $ | 20,205
​ | ​ | ​ | ​ | ​ | ​ | ​
December 31, 2024: | ​ |  | ​ | ​ |  |
Real estate loans: | ​ | ​ | ​ | ​ | ​ | ​
Residential properties | ​ | $ | 1,420 | ​ | $ | 21,904
Commercial properties | ​ | ​ | 3,449 | ​ | ​ | 4,497
Commercial and industrial loans | ​ |  | 9,174 | ​ |  | —
Total | ​ | $ | 14,043 | ​ | $ | 26,401
Schedule of composition of TDRs by accrual and nonaccrual status | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2025:
​ | ​ | Term Extension
​ | ​ | ​ | Amortized Cost Basis | ​ | % of Total Class of Loans | ​ | Financial Effect
Residential loans | ​ | $ | 35 | ​ | — | % | 1 loan with 4 months of payment deferrals.
Commercial and industrial loans | ​ | $ | 12,417 | ​ | 0.51 | % | 8 loans with payment deferrals of either 2 or 3 months with $100 monthly payments; 2 loans with payment deferrals of 2 months; 4 loans with term extensions and payment deferrals ranging from 6 to 52 months; 1 loan with term extension of 12 months with quarterly principal curtailments; 1 loan with term extension of 151 months and 50% payments until paid in full.
Total | ​ | $ | 12,452 | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Payment Deferrals
​ | ​ | ​ | Amortized Cost Basis | ​ | % of Total Class of Loans | ​ | Financial Effect
Residential loans | ​ | $ | 10,911 | ​ | 0.27 | % | 1 loan with 3 month forbearance
Total | ​ | $ | 10,911 | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Combination
​ | ​ | ​ | Amortized Cost Basis | ​ | % of Total Class of Loans | ​ | Financial Effect
Commercial and industrial loans | ​ | $ | 2,429 | ​ | 0.10 | % | 6 loans with extensions of loan maturity of 2 and 3 months and payment deferral. 2 loans with extensions of loan maturity of 12 months with principal curtailments.
Total | ​ | $ | 2,429 | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Total
​ | ​ | ​ | Amortized Cost Basis | ​ | % of Total Class of Loans | ​ | ​
Residential loans | ​ | $ | 10,946 | ​ | 0.27 | % | ​
Commercial and industrial loans | ​ | ​ | 14,846 | ​ | 0.61 | % | ​
Total | ​ | $ | 25,792 | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2024:
​ | ​ | Term Extension
​ | ​ | ​ | Amortized Cost Basis | ​ | % of Total Class of Loans | ​ | Financial Effect
Residential loans | ​ | $ | 6 | ​ | — | % | 1 loan with term extension of 22 months.
Commercial real estate loans | ​ | ​ | 12,900 |  | 1.40 | % | 1 loan with term extension of 10 months.
Commercial and industrial loans | ​ | $ | 2,294 | ​ | — | % | 6 loans with various extensions of loan maturity ranging from 3 to 60 months and payment deferral. 1 loan with 3-month extension and 3-month forbearance. 1 loan with $100 payments through 3 months.
Total | ​ | $ | 15,194 | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Combination
​ | ​ | ​ | Amortized Cost Basis | ​ | % of Total Class of Loans | ​ | Financial Effect
Commercial and industrial loans | ​ | ​ | 9,568 | ​ | 0.40 | % | 5 loans with various extensions of loan maturity ranging from 6 to 7 months and payment deferral. 1 loan with 5 month forbearance and interest rate reduction. 2 loans with $100 payments through 3 months with payment deferral. 2 loans with term extension of 12 months and payment deferral.
Total | ​ | $ | 9,568 | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Total | ​ | ​
​ | ​ | ​ | Amortized Cost Basis | ​ | % of Total Class of Loans | ​ | ​
Residential loans | ​ | $ | 6 | ​ | — | % | ​
Commercial real estate loans | ​ | ​ | 12,900 |  | 1.40 | % | ​
Commercial and industrial loans | ​ | ​ | 11,862 | ​ | 0.40 | % | ​
Total | ​ | $ | 24,768 | ​ | ​ | ​ | ​
Schedule of financing receivable 12 months after modification | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2025:
​ | ​ | Term Extension
​ | ​ | ​ | # of Loans Defaulted | ​ | ​ | Amortized Cost Basis
Commercial and industrial loans | ​ | ​ | 2 | ​ | $ | 57
Total | ​ | ​ | 2 | ​ | $ | 57
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Payment Deferrals
​ | ​ | ​ | # of Loans Defaulted | ​ | ​ | Amortized Cost Basis
Residential loans | ​ | ​ | 1 | ​ | $ | 10,911
Total | ​ | ​ | 1 | ​ | ​ | 10,911
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Combination
​ | ​ | ​ | # of Loans Defaulted | ​ | ​ | Amortized Cost Basis
Commercial and industrial loans | ​ | ​ | 1 | ​ | $ | 143
Total | ​ | ​ | 1 | ​ | $ | 143
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Total
​ | ​ | ​ | # of Loans Defaulted | ​ | ​ | Amortized Cost Basis
Commercial and industrial loans | ​ | ​ | 4 | ​ | $ | 11,111
Total | ​ | ​ | 4 | ​ | $ | 11,111
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2024:
​ | ​ | Combination
​ | ​ | ​ | # of Loans Defaulted | ​ | ​ | Amortized Cost Basis
Commercial and industrial loans | ​ | ​ | 2 | ​ | $ | 2,229
Total | ​ | ​ | 2 | ​ | $ | 2,229
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Total
​ | ​ | ​ | # of Loans Defaulted | ​ | ​ | Amortized Cost Basis
Commercial and industrial loans | ​ | ​ | 2 | ​ | $ | 2,229
Total | ​ | ​ | 2 | ​ | $ | 2,229
The following table presents the payment status of our loan modifications made during the previous twelve-month periods ended October 1, 2024 to September 30, 2025 and October 1, 2023 to September 30, 2024, respectively:
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | 30-89 Days | ​ | 90+ Days | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) | ​ | ​ | Current | ​ | Past Due | ​ | Past Due | ​ | ​ | Nonaccrual | ​ | Total
September 30, 2025: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ | ​ | ​ | ​ |
Residential loans |  | $ | 10,946 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 10,946
Commercial and industrial loans |  | ​ | 9,088 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7,806 | ​ | ​ | 16,894
Total |  | $ | 20,034 | ​ | $ | — | ​ | $ | — | ​ | $ | 7,806 | ​ | $ | 27,840
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | 30-89 Days | ​ | 90+ Days | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) | ​ | ​ | Current | ​ | Past Due | ​ | Past Due | ​ | ​ | Nonaccrual | ​ | Total
September 30, 2024: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ | ​ | ​ | ​ |
Residential loans |  | $ | 253 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 253
Commercial real estate loans |  | ​ | 12,900 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 12,900
Commercial and industrial loans |  | ​ | 6,104 | ​ | ​ | 7,060 | ​ | ​ | — | ​ | ​ | 8,252 | ​ | ​ | 21,416
Total |  | $ | 19,257 | ​ | $ | 7,060 | ​ | $ | — | ​ | $ | 8,252 | ​ | $ | 34,569
​

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