A summary of loan balances at amortized cost are as follows:


(in thousands)	March 31, 2024		December 31, 2023
Commercial real estate:
CRE non-owner occupied	$	2,220,568	$	2,217,806
CRE owner occupied	974,968		956,440
Multifamily	982,290		949,502
Farmland	265,942		271,054
Total commercial real estate loans	4,443,768		4,394,802
Consumer:
SFR 1-4 1st DT liens	883,520		883,438
SFR HELOCs and junior liens	345,223		356,813
Other	75,014		73,017
Total consumer loans	1,303,757		1,313,268
Commercial and industrial	549,780		586,455
Construction	348,981		347,198
Agriculture production	145,159		144,497
Leases	9,250		8,250
Total loans, net of deferred loan fees and discounts	$	6,800,695	$	6,794,470
Total principal balance of loans owed, net of charge-offs	$	6,839,589	$	6,834,935
Unamortized net deferred loan fees	(15,588)		(15,826)
Discounts to principal balance of loans owed, net of charge-offs	(23,306)		(24,639)
Total loans, net of unamortized deferred loan fees and discounts	$	6,800,695	$	6,794,470
Allowance for credit losses on loans	$	(124,394)	$	(121,522)