LOANS RECEIVABLE AND THE ALLOWANCE FOR CREDIT LOSSES (Tables)

3 Months Ended

6 Months Ended

Jun. 30, 2021

Jun. 30, 2021

Receivables [Abstract]

Schedule of Loans Receivable, Including Loans Held for Sale

at June 30, 2021 and December 31, 2020 by class (dollars in thousands).

	June 30, 2021				December 31, 2020
	Amount		Percent of Total		Amount		Percent of Total
Commercial real estate:
Owner-occupied	$	1,066,237	11.0	%	$	1,076,467	10.9	%
Investment properties	1,950,211		20.2		1,955,684		19.8
Small balance CRE	621,102		6.4		573,849		5.8
Multifamily real estate	504,445		5.2		428,223		4.4
Construction, land and land development:
Commercial construction	182,868		1.9		228,937		2.3
Multifamily construction	295,661		3.1		305,527		3.1
One- to four-family construction	603,895		6.3		507,810		5.1
Land and land development	290,404		3.0		248,915		2.5
Commercial business:
Commercial business (1)	1,931,531		20.0		2,178,461		22.1
Small business scored	743,975		7.7		743,451		7.5
Agricultural business, including secured by farmland (2)	265,429		2.7		299,949		3.0
One- to four-family residential	637,701		6.6		717,939		7.3
Consumer:
Consumer—home equity revolving lines of credit	458,915		4.8		491,812		5.0
Consumer—other	101,807		1.1		113,958		1.2
Total loans	9,654,181		100.0	%	9,870,982		100.0	%
Less allowance for credit losses – loans	(148,009)				(167,279)
Net loans	$	9,506,172			$	9,703,703

(1)    Includes $807.2 million and $1.04 billion of U.S. Small Business Administration (SBA) Paycheck Protection Program (PPP) loans as of June 30, 2021 and December 31, 2020, respectively.

(2)    Includes $18.0 million of PPP loans as of June 30, 2021 and none as of December 31, 2020.

Loan amounts are net of unearned loan fees in excess of unamortized costs of $25.9 million as of June 30, 2021 and $25.6 million as of December 31, 2020. Net loans include net discounts on acquired loans of $12.5 million and $16.1 million as of June 30, 2021 and December 31, 2020, respectively.

Schedule of Troubled Debt Restructurings

The following table presents new TDRs that occurred during the three and six months ended June 30, 2020 (dollars in thousands):

	Three Months Ended June 30, 2020					Six months ended June 30, 2020
	Number of Contracts	Pre-modification Outstanding Recorded Investment		Post-modification Outstanding Recorded Investment		Number of Contracts	Pre- modification Outstanding Recorded Investment		Post- modification Outstanding Recorded Investment
Recorded Investment
Commercial business:
Commercial business	—	—		—		2	4,796		4,796
Total	—	$	—	$	—	2	$	4,796	$	4,796

Schedule of Risk-Rated Loans and Non-Risk Rated Loans by Grade and Other Characteristics

The following tables present the Company’s portfolio of risk-rated loans by class and by grade as of June 30, 2021 and December 31, 2020 (in thousands). Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. Term loans that are renewed or extended for periods longer than 90 days are presented as a new origination in the year of the most recent renewal or extension.

	June 30, 2021
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2021		2020		2019		2018		2017		Prior
Commercial real estate - owner occupied
Risk Rating
Pass	$	104,686	$	236,587	$	153,251	$	138,024	$	94,739	$	243,441	$	8,286	$	979,014
Special Mention	12,316		—		6,717		—		2,182		1,144		—		22,359
Substandard	1,068		—		18,258		1,260		4,156		40,122		—		64,864
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial real estate - owner occupied	$	118,070	$	236,587	$	178,226	$	139,284	$	101,077	$	284,707	$	8,286	$	1,066,237
Commercial real estate - investment properties
Risk Rating
Pass	$	143,971	$	221,245	$	275,953	$	287,156	$	218,088	$	652,175	$	18,265	$	1,816,853
Special Mention	—		—		125		—		—		14,662		—		14,787
Substandard	800		16,940		7,634		17,332		35,914		39,665		286		118,571
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial real estate - investment properties	$	144,771	$	238,185	$	283,712	$	304,488	$	254,002	$	706,502	$	18,551	$	1,950,211
Multifamily real estate
Risk Rating
Pass	$	90,117	$	75,865	$	75,877	$	37,459	$	92,599	$	125,035	$	2,153	$	499,105
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		2,312		1,426		—		—		1,602		—		5,340
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Multifamily real estate	$	90,117	$	78,177	$	77,303	$	37,459	$	92,599	$	126,637	$	2,153	$	504,445

	June 30, 2021
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2021		2020		2019		2018		2017		Prior
Commercial construction
Risk Rating
Pass	$	48,468	$	55,231	$	28,575	$	30,774	$	329	$	525	$	—	$	163,902
Special Mention	—		—		5,971		—		—		—		—		5,971
Substandard	4,018		—		4,035		4,844		—		98		—		12,995
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial construction	$	52,486	$	55,231	$	38,581	$	35,618	$	329	$	623	$	—	$	182,868
Multifamily construction
Risk Rating
Pass	$	50,447	$	98,759	$	112,679	$	14,002	$	14,866	$	—	$	—	$	290,753
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		4,908		—		—		—		—		—		4,908
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Multifamily construction	$	50,447	$	103,667	$	112,679	$	14,002	$	14,866	$	—	$	—	$	295,661
One- to four- family construction
Risk Rating
Pass	$	371,572	$	230,858	$	384	$	—	$	—	$	—	$	750	$	603,564
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		—		331		—		—		—		—		331
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total One- to four- family construction	$	371,572	$	230,858	$	715	$	—	$	—	$	—	$	750	$	603,895

	June 30, 2021
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2021		2020		2019		2018		2017		Prior
Land and land development
Risk Rating
Pass	$	96,120	$	125,095	$	36,982	$	10,165	$	4,648	$	9,572	$	4,349	$	286,931
Special Mention	—		—		—		—		—		—		—		—
Substandard	2,871		14		273		132		183		—		—		3,473
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Land and land development	$	98,991	$	125,109	$	37,255	$	10,297	$	4,831	$	9,572	$	4,349	$	290,404
Commercial business
Risk Rating
Pass	$	511,238	$	621,276	$	204,363	$	172,269	$	51,557	$	90,689	$	228,570	$	1,879,962
Special Mention	614		90		5,042		3,827		714		15		11,875		22,177
Substandard	1,996		2,627		1,559		13,782		3,725		832		4,871		29,392
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial business	$	513,848	$	623,993	$	210,964	$	189,878	$	55,996	$	91,536	$	245,316	$	1,931,531
Agricultural business including secured by farmland
Risk Rating
Pass	$	15,831	$	29,082	$	53,201	$	28,859	$	19,288	$	38,494	$	72,671	$	257,426
Special Mention	—		—		—		—		810		—		—		810
Substandard	—		445		2,255		598		144		2,045		1,706		7,193
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Agricultural business including secured by farmland	$	15,831	$	29,527	$	55,456	$	29,457	$	20,242	$	40,539	$	74,377	$	265,429

	December 31, 2020
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2020		2019		2018		2017		2016		Prior
Commercial real estate - owner occupied
Risk Rating
Pass	$	243,100	$	156,838	$	156,817	$	122,484	$	92,312	$	212,792	$	3,379	$	987,722
Special Mention	—		4,560		—		2,251		—		1,869		149		8,829
Substandard	7,923		26,914		3,040		2,516		11,731		27,792		—		79,916
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial real estate - owner occupied	$	251,023	$	188,312	$	159,857	$	127,251	$	104,043	$	242,453	$	3,528	$	1,076,467
Commercial real estate - investment properties
Risk Rating
Pass	$	237,553	$	262,543	$	299,452	$	218,018	$	278,348	$	502,914	$	20,062	$	1,818,890
Special Mention	—		2,712		—		—		2,730		1,856		—		7,298
Substandard	19,812		11,418		20,352		36,310		23,027		18,577		—		129,496
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial real estate - investment properties	$	257,365	$	276,673	$	319,804	$	254,328	$	304,105	$	523,347	$	20,062	$	1,955,684
Multifamily real estate
Risk Rating
Pass	$	78,632	$	69,825	$	39,343	$	93,442	$	44,395	$	96,863	$	1,983	$	424,483
Special Mention	—		—		—		—		—		—		—		—
Substandard	2,312		1,428		—		—		—		—		—		3,740
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Multifamily real estate	$	80,944	$	71,253	$	39,343	$	93,442	$	44,395	$	96,863	$	1,983	$	428,223

	December 31, 2020
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2020		2019		2018		2017		2016		Prior
Commercial construction
Risk Rating
Pass	$	83,506	$	67,152	$	41,299	$	6,038	$	2,158	$	1,129	$	—	$	201,282
Special Mention	—		5,963		—		—		—		—		—		5,963
Substandard	12,913		3,808		4,873		—		98		—		—		21,692
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial construction	$	96,419	$	76,923	$	46,172	$	6,038	$	2,256	$	1,129	$	—	$	228,937
Multifamily construction
Risk Rating
Pass	$	79,710	$	151,141	$	59,744	$	14,932	$	—	$	—	$	—	$	305,527
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Multifamily construction	$	79,710	$	151,141	$	59,744	$	14,932	$	—	$	—	$	—	$	305,527
One- to four- family construction
Risk Rating
Pass	$	461,294	$	35,910	$	—	$	—	$	—	$	—	$	7,581	$	504,785
Special Mention	1,563		—		—		—		—		—		630		2,193
Substandard	501		331		—		—		—		—		—		832
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total One- to four- family construction	$	463,358	$	36,241	$	—	$	—	$	—	$	—	$	8,211	$	507,810

	December 31, 2020
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2020		2019		2018		2017		2016		Prior
Land and land development
Risk Rating
Pass	$	156,450	$	37,397	$	16,560	$	6,801	$	6,264	$	4,840	$	17,020	$	245,332
Special Mention	—		—		—		—		—		—		—		—
Substandard	14		30		3,047		190		—		302		—		3,583
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Land and land development	$	156,464	$	37,427	$	19,607	$	6,991	$	6,264	$	5,142	$	17,020	$	248,915
Commercial business
Risk Rating
Pass	$	1,243,276	$	230,845	$	203,051	$	65,524	$	38,757	$	66,206	$	264,741	$	2,112,400
Special Mention	103		412		—		829		—		115		9,507		10,966
Substandard	6,624		14,413		18,569		5,224		1,320		453		8,492		55,095
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial business	$	1,250,003	$	245,670	$	221,620	$	71,577	$	40,077	$	66,774	$	282,740	$	2,178,461
Agricultural business including secured by farmland
Risk Rating
Pass	$	32,032	$	62,058	$	31,381	$	22,635	$	22,394	$	24,950	$	91,660	$	287,110
Special Mention	—		—		—		810		—		537		—		1,347
Substandard	1,542		2,652		1,076		163		675		3,049		2,335		11,492
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Agricultural business including secured by farmland	$	33,574	$	64,710	$	32,457	$	23,608	$	23,069	$	28,536	$	93,995	$	299,949

The following tables present the Company’s portfolio of non-risk-rated loans by class and delinquency status as of June 30, 2021 and December 31, 2020 (in thousands). Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. Term loans that are renewed or extended for periods longer than 90 days are presented as a new origination in the year of the most recent renewal or extension.

	June 30, 2021
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2021		2020		2019		2018		2017		Prior
Small balance CRE
Past Due Category
Current	$	32,185	$	82,951	$	80,949	$	87,294	$	78,885	$	255,629	$	555	$	618,448
30-59 Days Past Due	44		—		—		—		—		632		—		676
60-89 Days Past Due	—		—		—		—		—		—		—		—
90 Days + Past Due	—		—		—		—		—		1,978		—		1,978
Total small balance CRE	$	32,229	$	82,951	$	80,949	$	87,294	$	78,885	$	258,239	$	555	$	621,102
Small business scored
Past Due Category
Current	$	104,768	$	141,723	$	126,667	$	103,152	$	71,136	$	89,074	$	104,002	$	740,522
30-59 Days Past Due	85		150		30		658		111		189		137		1,360
60-89 Days Past Due	—		23		—		143		7		—		19		192
90 Days + Past Due	—		138		89		110		331		789		444		1,901
Total small business scored	$	104,853	$	142,034	$	126,786	$	104,063	$	71,585	$	90,052	$	104,602	$	743,975
One- to four- family residential
Past Due Category
Current	$	72,455	$	101,876	$	73,966	$	67,778	$	70,838	$	245,084	$	2,675	$	634,672
30-59 Days Past Due	—		—		—		—		—		87		—		87
60-89 Days Past Due	—		276		2		—		222		40		—		540
90 Days + Past Due	—		—		—		172		—		2,230		—		2,402
Total One- to four- family residential	$	72,455	$	102,152	$	73,968	$	67,950	$	71,060	$	247,441	$	2,675	$	637,701

	June 30, 2021
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2021		2020		2019		2018		2017		Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current	$	8,469	$	1,253	$	2,192	$	1,987	$	2,436	$	3,630	$	437,527	$	457,494
30-59 Days Past Due	—		—		—		9		—		11		211		231
60-89 Days Past Due	—		—		—		—		—		24		—		24
90 Days + Past Due	—		—		314		195		108		287		262		1,166
Total Consumer—home equity revolving lines of credit	$	8,469	$	1,253	$	2,506	$	2,191	$	2,544	$	3,952	$	438,000	$	458,915
Consumer-other
Past Due Category
Current	$	11,260	$	17,511	$	10,730	$	10,662	$	8,008	$	19,929	$	23,491	$	101,591
30-59 Days Past Due	—		149		—		—		8		17		3		177
60-89 Days Past Due	—		—		—		—		19		16		—		35
90 Days + Past Due	—		—		—		4		—		—		—		4
Total Consumer-other	$	11,260	$	17,660	$	10,730	$	10,666	$	8,035	$	19,962	$	23,494	$	101,807

	December 31, 2020
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2020		2019		2018		2017		2016		Prior
Small balance CRE
Past Due Category
Current	$	56,544	$	80,090	$	84,749	$	77,637	$	68,791	$	202,653	$	2,550	$	573,014
30-59 Days Past Due	—		—		—		—		—		—		—		—
60-89 Days Past Due	—		—		—		45		—		—		—		45
90 Days + Past Due	—		—		—		567		—		223		—		790
Total small balance CRE	$	56,544	$	80,090	$	84,749	$	78,249	$	68,791	$	202,876	$	2,550	$	573,849
Small business scored
Past Due Category
Current	$	157,161	$	145,037	$	126,578	$	89,734	$	47,909	$	63,347	$	109,287	$	739,053
30-59 Days Past Due	129		62		310		723		4		1		230		1,459
60-89 Days Past Due	98		147		3		140		—		352		151		891
90 Days + Past Due	73		228		800		484		169		248		46		2,048
Total small business scored	$	157,461	$	145,474	$	127,691	$	91,081	$	48,082	$	63,948	$	109,714	$	743,451
One- to four- family residential
Past Due Category
Current	$	105,411	$	90,425	$	92,232	$	101,491	$	60,738	$	254,850	$	3,164	$	708,311
30-59 Days Past Due	1,051		—		1,302		829		—		1,438		—		4,620
60-89 Days Past Due	—		—		19		—		—		936		—		955
90 Days + Past Due	—		114		1,185		456		169		2,129		—		4,053
Total One- to four- family residential	$	106,462	$	90,539	$	94,738	$	102,776	$	60,907	$	259,353	$	3,164	$	717,939

	December 31, 2020
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2020		2019		2018		2017		2016		Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current	$	10,522	$	2,617	$	2,553	$	3,359	$	1,372	$	2,154	$	466,490	$	489,067
30-59 Days Past Due	—		—		—		—		—		50		409		459
60-89 Days Past Due	—		202		—		—		—		237		—		439
90 Days + Past Due	—		312		198		564		286		255		232		1,847
Total Consumer—home equity revolving lines of credit	$	10,522	$	3,131	$	2,751	$	3,923	$	1,658	$	2,696	$	467,131	$	491,812
Consumer-other
Past Due Category
Current	$	21,811	$	13,377	$	13,936	$	11,433	$	8,575	$	18,802	$	25,460	$	113,394
30-59 Days Past Due	48		35		15		22		46		26		44		236
60-89 Days Past Due	242		—		—		33		21		14		18		328
90 Days + Past Due	—		—		—		—		—		—		—		—
Total Consumer-other	$	22,101	$	13,412	$	13,951	$	11,488	$	8,642	$	18,842	$	25,522	$	113,958

Loans, Collateral Dependent [Table Text Block]

The following tables provide the amortized cost basis of collateral-dependent loans as of June 30, 2021 and December 31, 2020 (in thousands). Our collateral dependent loans presented in the tables below have no significant concentrations by property type or location.

	June 30, 2021
	Real Estate		Accounts Receivable		Equipment		Inventory		Total
Commercial real estate:
Owner-occupied	$	4,684	$	—	$	—	$	—	$	4,684
Investment properties	8,708		—		—		—		8,708
Small balance CRE	3,053		—		—		—		3,053
Commercial business
Commercial business	557		—		64		—		621
Small business scored	42		—		45		—		87
Agricultural business, including secured by farmland	427		—		594		—		1,021
Total	$	17,471	$	—	$	703	$	—	$	18,174

Schedule of Age Analysis of the Company's Past Due Loans

The following tables present the Company’s portfolio of non-risk-rated loans by class and delinquency status as of June 30, 2021 and December 31, 2020 (in thousands). Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. Term loans that are renewed or extended for periods longer than 90 days are presented as a new origination in the year of the most recent renewal or extension.

	June 30, 2021
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2021		2020		2019		2018		2017		Prior
Small balance CRE
Past Due Category
Current	$	32,185	$	82,951	$	80,949	$	87,294	$	78,885	$	255,629	$	555	$	618,448
30-59 Days Past Due	44		—		—		—		—		632		—		676
60-89 Days Past Due	—		—		—		—		—		—		—		—
90 Days + Past Due	—		—		—		—		—		1,978		—		1,978
Total small balance CRE	$	32,229	$	82,951	$	80,949	$	87,294	$	78,885	$	258,239	$	555	$	621,102
Small business scored
Past Due Category
Current	$	104,768	$	141,723	$	126,667	$	103,152	$	71,136	$	89,074	$	104,002	$	740,522
30-59 Days Past Due	85		150		30		658		111		189		137		1,360
60-89 Days Past Due	—		23		—		143		7		—		19		192
90 Days + Past Due	—		138		89		110		331		789		444		1,901
Total small business scored	$	104,853	$	142,034	$	126,786	$	104,063	$	71,585	$	90,052	$	104,602	$	743,975
One- to four- family residential
Past Due Category
Current	$	72,455	$	101,876	$	73,966	$	67,778	$	70,838	$	245,084	$	2,675	$	634,672
30-59 Days Past Due	—		—		—		—		—		87		—		87
60-89 Days Past Due	—		276		2		—		222		40		—		540
90 Days + Past Due	—		—		—		172		—		2,230		—		2,402
Total One- to four- family residential	$	72,455	$	102,152	$	73,968	$	67,950	$	71,060	$	247,441	$	2,675	$	637,701

	June 30, 2021
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2021		2020		2019		2018		2017		Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current	$	8,469	$	1,253	$	2,192	$	1,987	$	2,436	$	3,630	$	437,527	$	457,494
30-59 Days Past Due	—		—		—		9		—		11		211		231
60-89 Days Past Due	—		—		—		—		—		24		—		24
90 Days + Past Due	—		—		314		195		108		287		262		1,166
Total Consumer—home equity revolving lines of credit	$	8,469	$	1,253	$	2,506	$	2,191	$	2,544	$	3,952	$	438,000	$	458,915
Consumer-other
Past Due Category
Current	$	11,260	$	17,511	$	10,730	$	10,662	$	8,008	$	19,929	$	23,491	$	101,591
30-59 Days Past Due	—		149		—		—		8		17		3		177
60-89 Days Past Due	—		—		—		—		19		16		—		35
90 Days + Past Due	—		—		—		4		—		—		—		4
Total Consumer-other	$	11,260	$	17,660	$	10,730	$	10,666	$	8,035	$	19,962	$	23,494	$	101,807

The following tables provide additional detail on the age analysis of the Company’s past due loans as of June 30, 2021 and December 31, 2020 (in thousands):

	June 30, 2021
	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans		Non-accrual with no Allowance		Total Non-accrual (1)		Loans 90 Days or More Past Due and Accruing
Commercial real estate:
Owner-occupied	$	—	$	—	$	6,141	$	6,141	$	1,060,096	$	1,066,237	$	4,687	$	5,322	$	911
Investment properties	649		1,276		—		1,925		1,948,286		1,950,211		8,708		8,708		—
Small balance CRE	676		—		1,978		2,654		618,448		621,102		3,045		3,397		—
Multifamily real estate	—		—		—		—		504,445		504,445		—		—		—
Construction, land and land development:
Commercial construction	—		—		98		98		182,770		182,868		—		98		—
Multifamily construction	—		—		—		—		295,661		295,661		—		—		—
One- to four-family construction	—		175		—		175		603,720		603,895		—		—		—
Land and land development	—		—		260		260		290,144		290,404		—		443		—
Commercial business
Commercial business	1,708		284		818		2,810		1,928,721		1,931,531		619		1,228		33
Small business scored	1,360		192		1,901		3,453		740,522		743,975		87		2,445		462
Agricultural business, including secured by farmland	200		—		1,200		1,400		264,029		265,429		1,021		1,200		—
One- to four-family residential	87		540		2,402		3,029		634,672		637,701		—		4,007		579
Consumer:
Consumer—home equity revolving lines of credit	231		24		1,166		1,421		457,494		458,915		—		1,778		131
Consumer—other	177		35		4		216		101,591		101,807		—		21		—
Total	$	5,088	$	2,526	$	15,968	$	23,582	$	9,630,599	$	9,654,181	$	18,167	$	28,647	$	2,116

	December 31, 2020
	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans		Non-accrual with no Allowance		Total Non-accrual (1)		Loans 90 Days or More Past Due and Accruing
Commercial real estate:
Owner-occupied	$	—	$	182	$	1,447	$	1,629	$	1,074,838	$	1,076,467	$	7,509	$	8,429	$	—
Investment properties	—		—		7,981		7,981		1,947,703		1,955,684		8,979		8,979		—
Small balance CRE	—		45		790		835		573,014		573,849		567		791		—
Multifamily real estate	—		—		—		—		428,223		428,223		—		—		—
Construction, land and land development:
Commercial construction	—		—		98		98		228,839		228,937		—		98		—
Multifamily construction	—		—		—		—		305,527		305,527		—		—		—
One- to four-family construction	356		—		331		687		507,123		507,810		—		331		—
Land and land development	—		—		317		317		248,598		248,915		302		507		—
Commercial business
Commercial business	3,247		31		2,088		5,366		2,173,095		2,178,461		555		1,988		889
Small business scored	1,459		891		2,048		4,398		739,053		743,451		91		3,419		136
Agricultural business, including secured by farmland	298		37		1,548		1,883		298,066		299,949		1,412		1,743		—
One-to four-family residential	4,620		955		4,053		9,628		708,311		717,939		171		3,556		1,899
Consumer:
Consumer secured by one- to four-family	459		439		1,847		2,745		489,067		491,812		—		2,697		130
Consumer—other	236		328		—		564		113,394		113,958		—		22		—
Total	$	10,675	$	2,908	$	22,548	$	36,131	$	9,834,851	$	9,870,982	$	19,586	$	32,560	$	3,054

Allowance for Credit Losses on Financing Receivables

The following tables provide the activity in the allowance for credit losses by portfolio segment for the three and six months ended June 30, 2021 and 2020 (in thousands):

	For the Three Months Ended June 30, 2021
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Unallocated		Total
Allowance for credit losses:
Beginning balance	$	59,411	$	4,367	$	36,440	$	31,411	$	4,617	$	7,988	$	11,820	$	—	$	156,054
Provision/(recapture) for credit losses	794		1,440		(5,541)		(779)		(1,367)		1,792		(4,439)		—		(8,100)
Recoveries	147		—		—		321		8		20		97		—		593
Charge-offs	(3)		—		—		(123)		(2)		—		(410)		—		(538)
Ending balance	$	60,349	$	5,807	$	30,899	$	30,830	$	3,256	$	9,800	$	7,068	$	—	$	148,009
	For the Six Months Ended June 30, 2021
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Unallocated		Total
Allowance for credit losses:
Beginning balance	$	57,791	$	3,893	$	41,295	$	35,007	$	4,914	$	9,913	$	14,466	$	—	$	167,279
Provision/(recapture) for credit losses	6,153		1,914		(10,496)		(4,565)		(1,664)		(246)		(7,231)		—		(16,135)
Recoveries	171		—		100		1,300		8		133		393		—		2,105
Charge-offs	(3,766)		—		—		(912)		(2)		—		(560)		—		(5,240)
Ending balance	$	60,349	$	5,807	$	30,899	$	30,830	$	3,256	$	9,800	$	7,068	$	—	$	148,009

The changes in the allowance for credit losses - loans during the three and six months ended June 30, 2021 were primarily the result of the $8.1 million recapture of provision for credit losses - loans recorded during the current quarter and the $16.1 million recapture of provision recorded during the six months ended June 30, 2021. The change in allowance for credit losses - loans during the six months ended June 30, 2021 was also impacted by net charge offs of $3.1 million recognized during the period. The recapture of provision for credit losses - loans for the current quarter and the six months ended June 30, 2021 primarily reflects improvement in the forecasted economic indicators used to calculate the in the allowance for credit losses - loans and a decrease in adversely classified loans.

	For the Three Months Ended June 30, 2020
	Commercial  Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Unallocated		Total
Allowance for credit losses:
Beginning balance	$	29,339	$	2,805	$	34,217	$	31,648	$	4,513	$	11,884	$	16,082	$	—	$	130,488
Provision/(recapture) for credit losses	23,773		699		2,694		5,405		44		831		(3,922)		—		29,524
Recoveries	54		—		105		370		22		31		60		—		642
Charge-offs	—		—		(100)		(3,553)		(62)		—		(587)		—		(4,302)
Ending balance	$	53,166	$	3,504	$	36,916	$	33,870	$	4,517	$	12,746	$	11,633	$	—	$	156,352
	For the Six Months Ended June 30, 2020
	Commercial  Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Unallocated		Total
Allowance for loan losses:
Beginning balance	$	30,591	$	4,754	$	22,994	$	23,370	$	4,120	$	4,136	$	8,202	$	2,392	$	100,559
Impact of Adopting ASC 326	(2,864)		(2,204)		2,515		3,010		(351)		7,125		2,973		(2,392)		7,812
Provision/(recapture) for loan losses	25,318		1,020		11,402		11,852		(962)		1,370		1,237		—		51,237
Recoveries	221		—		105		575		1,772		179		156		—		3,008
Charge-offs	(100)		(66)		(100)		(4,937)		(62)		(64)		(935)		—		(6,264)
Ending balance	$	53,166	$	3,504	$	36,916	$	33,870	$	4,517	$	12,746	$	11,633	$	—	$	156,352