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


(in thousands)	June 30, 2024		December 31, 2023
Commercial real estate:
CRE non-owner occupied	$	2,242,120	$	2,217,806
CRE owner occupied	952,496		956,440
Multifamily	1,000,806		949,502
Farmland	265,689		271,054
Total commercial real estate loans	4,461,111		4,394,802
Consumer:
SFR 1-4 1st DT liens	884,964		883,438
SFR HELOCs and junior liens	346,390		356,813
Other	69,373		73,017
Total consumer loans	1,300,727		1,313,268
Commercial and industrial	548,625		586,455
Construction	283,374		347,198
Agriculture production	140,239		144,497
Leases	8,450		8,250
Total loans, net of deferred loan fees and discounts	$	6,742,526	$	6,794,470
Total principal balance of loans owed, net of charge-offs	$	6,780,439	$	6,834,935
Unamortized net deferred loan fees	(15,457)		(15,826)
Discounts to principal balance of loans owed, net of charge-offs	(22,456)		(24,639)
Total loans, net of unamortized deferred loan fees and discounts	$	6,742,526	$	6,794,470
Allowance for credit losses on loans	$	(123,517)	$	(121,522)