LOANS RECEIVABLE AND THE ALLOWANCE FOR CREDIT LOSSES (Tables)

3 Months Ended

9 Months Ended

Sep. 30, 2023

Sep. 30, 2023

Receivables [Abstract]

Schedule of Loans Receivable, Including Loans Held for Sale

The following table presents the loans receivable at September 30, 2023 and December 31, 2022 by class (dollars in thousands).

	September 30, 2023				December 31, 2022
	Amount		Percent of Total		Amount		Percent of Total
Commercial real estate:
Owner-occupied	$	911,540	8.6	%	$	845,320	8.3	%
Investment properties	1,530,087		14.4		1,589,975		15.7
Small balance CRE	1,169,828		11.0		1,200,251		11.8
Multifamily real estate	766,571		7.2		645,071		6.4
Construction, land and land development:
Commercial construction	168,061		1.6		184,876		1.8
Multifamily construction	453,129		4.3		325,816		3.2
One- to four-family construction	536,349		5.1		647,329		6.4
Land and land development	346,362		3.3		328,475		3.2
Commercial business:
Commercial business (1)	1,263,747		11.9		1,283,407		12.7
Small business scored	1,000,714		9.4		947,092		9.3
Agricultural business, including secured by farmland (2)	334,626		3.1		295,077		2.9
One- to four-family residential	1,438,694		13.6		1,173,112		11.6
Consumer:
Consumer—home equity revolving lines of credit	579,836		5.4		566,291		5.6
Consumer—other	111,873		1.1		114,632		1.1
Total loans	10,611,417		100.0	%	10,146,724		100.0	%
Less allowance for credit losses – loans	(146,960)				(141,465)
Net loans	$	10,464,457			$	10,005,259

Schedule of Troubled Debt Restructurings

The following table presents the amortized cost basis and financial effect of loans at September 30, 2023, that were both experiencing financial difficulty and modified during the nine months ended September 30, 2023 (in thousands):

	September 30, 2023
	Payment Delay		Term Extension		Total
One- to four-family construction	—		$	6,362	$	6,362
Commercial business	121		—		121
Agricultural business, including secured by farmland	1,580		—		1,580
One- to four-family residential	1,060		—		1,060
Total	$	2,761	$	6,362	$	9,123

The Company has committed to lend additional amounts totaling $195,000 to the borrowers included in the previous table. The Company closely monitors the performance of loans that are modified for borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of such loans that have been modified in the last 12 months at September 30, 2023 (in thousands):

	September 30, 2023
	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due
Commercial business	—		—		121		121
Agricultural business, including secured by farmland	—		—		1,580		1,580
One- to four-family residential	—		—		1,060		1,060
Total	$	—	$	—	$	2,761	$	2,761

The following table presents the financial effect of the loan modifications presented above for borrowers experiencing financial difficulty for the nine months ended September 30, 2023:
	Nine Months Ended September 30, 2023
	Weighted Average Payment Delay Period (in months)	Weighted-Average Term Extension (in months)
Commercial real estate:
One- to four-family construction	n/a	11
Commercial business	8	n/a
Agricultural business, including secured by farmland	8	n/a
One- to four-family residential	8	n/a

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 September 30, 2023 and December 31, 2022 (in thousands). In addition, the tables include the gross charge-offs for the nine months ended September 30, 2023. 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.

	September 30, 2023
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2023		2022		2021		2020		2019		Prior
Commercial real estate - owner occupied
Risk Rating
Pass	$	102,138	$	169,190	$	171,403	$	141,986	$	70,398	$	170,367	$	34,798	$	860,280
Special Mention	1,771		—		—		—		—		—		2		1,773
Substandard	—		13,135		12,250		4,768		19,140		194		—		49,487
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial real estate - owner occupied	$	103,909	$	182,325	$	183,653	$	146,754	$	89,538	$	170,561	$	34,800	$	911,540
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate - investment properties
Risk Rating
Pass	$	115,175	$	170,017	$	283,410	$	124,196	$	159,398	$	633,933	$	39,715	$	1,525,844
Special Mention	—		—		—		—		—		—		1,698		1,698
Substandard	985		—		—		—		—		1,560		—		2,545
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial real estate - investment properties	$	116,160	$	170,017	$	283,410	$	124,196	$	159,398	$	635,493	$	41,413	$	1,530,087
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Multifamily real estate
Risk Rating
Pass	$	100,886	$	154,906	$	188,340	$	101,808	$	47,136	$	171,673	$	1,822	$	766,571
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Multifamily real estate	$	100,886	$	154,906	$	188,340	$	101,808	$	47,136	$	171,673	$	1,822	$	766,571
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

	September 30, 2023
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2023		2022		2021		2020		2019		Prior
Commercial construction
Risk Rating
Pass	$	65,309	$	73,102	$	11,207	$	12,768	$	—	$	5,675	$	—	$	168,061
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial construction	$	65,309	$	73,102	$	11,207	$	12,768	$	—	$	5,675	$	—	$	168,061
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Multifamily construction
Risk Rating
Pass	$	89,261	$	241,857	$	121,595	$	416	$	—	$	—	$	—	$	453,129
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Multifamily construction	$	89,261	$	241,857	$	121,595	$	416	$	—	$	—	$	—	$	453,129
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
One- to four- family construction
Risk Rating
Pass	$	390,539	$	112,833	$	20,962	$	—	$	331	$	—	$	282	$	524,947
Special Mention	—		—		—		—		—		—		—		—
Substandard	8,073		253		3,076		—		—		—		—		11,402
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total One- to four- family construction	$	398,612	$	113,086	$	24,038	$	—	$	331	$	—	$	282	$	536,349
Current period gross charge-offs	$	136	$	—	$	—	$	—	$	—	$	—	$	—	$	136

	September 30, 2023
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2023		2022		2021		2020		2019		Prior
Land and land development
Risk Rating
Pass	$	165,451	$	96,873	$	50,679	$	12,912	$	8,730	$	11,218	$	1	$	345,864
Special Mention	—		—		—		—		—		—		—		—
Substandard	498		—		—		—		—		—		—		498
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Land and land development	$	165,949	$	96,873	$	50,679	$	12,912	$	8,730	$	11,218	$	1	$	346,362
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	20	$	—	$	20
Commercial business
Risk Rating
Pass	$	110,637	$	239,070	$	128,206	$	141,556	$	107,820	$	147,395	$	356,568	$	1,231,252
Special Mention	—		—		760		3,183		—		1,972		1,850		7,765
Substandard	1,016		4,878		5,265		1,213		1,555		3,364		7,439		24,730
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial business	$	111,653	$	243,948	$	134,231	$	145,952	$	109,375	$	152,731	$	365,857	$	1,263,747
Current period gross charge-offs	$	22	$	108	$	681	$	5	$	—	$	27	$	144	$	987
Agricultural business, including secured by farmland
Risk Rating
Pass	$	40,724	$	36,644	$	27,956	$	17,851	$	25,201	$	40,386	$	126,821	$	315,583
Special Mention	550		—		652		—		1,690		386		2,572		5,850
Substandard	3,687		—		650		—		6,566		2,290		—		13,193
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Agricultural business, including secured by farmland	$	44,961	$	36,644	$	29,258	$	17,851	$	33,457	$	43,062	$	129,393	$	334,626
Current period gross charge-offs	$	—	$	430	$	134	$	—	$	—	$	—	$	—	$	564

	December 31, 2022
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2022		2021		2020		2019		2018		Prior
Commercial real estate - owner occupied
Risk Rating
Pass	$	167,150	$	198,787	$	150,272	$	74,171	$	57,095	$	148,902	$	10,833	$	807,210
Special Mention	—		—		—		2,829		—		42		201		3,072
Substandard	13,756		—		7,211		13,564		—		307		200		35,038
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial real estate - owner occupied	$	180,906	$	198,787	$	157,483	$	90,564	$	57,095	$	149,251	$	11,234	$	845,320
Commercial real estate - investment properties
Risk Rating
Pass	$	190,627	$	323,160	$	142,476	$	182,853	$	169,667	$	547,899	$	25,691	$	1,582,373
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		3,283		—		3,007		1,312		7,602
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial real estate - investment properties	$	190,627	$	323,160	$	142,476	$	186,136	$	169,667	$	550,906	$	27,003	$	1,589,975
Multifamily real estate
Risk Rating
Pass	$	139,383	$	177,784	$	93,961	$	46,460	$	29,665	$	156,140	$	1,678	$	645,071
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Multifamily real estate	$	139,383	$	177,784	$	93,961	$	46,460	$	29,665	$	156,140	$	1,678	$	645,071

	December 31, 2022
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2022		2021		2020		2019		2018		Prior
Commercial construction
Risk Rating
Pass	$	112,229	$	46,679	$	12,952	$	4,260	$	1,107	$	—	$	—	$	177,227
Special Mention	—		—		—		—		—		—		—		—
Substandard	2,931		1		—		—		4,717		—		—		7,649
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial construction	$	115,160	$	46,680	$	12,952	$	4,260	$	5,824	$	—	$	—	$	184,876
Multifamily construction
Risk Rating
Pass	$	142,680	$	161,066	$	20,622	$	1,448	$	—	$	—	$	—	$	325,816
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Multifamily construction	$	142,680	$	161,066	$	20,622	$	1,448	$	—	$	—	$	—	$	325,816
One- to four- family construction
Risk Rating
Pass	$	572,701	$	56,530	$	677	$	331	$	—	$	—	$	711	$	630,950
Special Mention	—		—		—		—		—		—		—		—
Substandard	13,473		2,906		—		—		—		—		—		16,379
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total One- to four- family construction	$	586,174	$	59,436	$	677	$	331	$	—	$	—	$	711	$	647,329

	December 31, 2022
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2022		2021		2020		2019		2018		Prior
Land and land development
Risk Rating
Pass	$	199,339	$	88,066	$	16,278	$	11,866	$	6,242	$	6,164	$	339	$	328,294
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		97		84		—		181
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Land and land development	$	199,339	$	88,066	$	16,278	$	11,866	$	6,339	$	6,248	$	339	$	328,475
Commercial business
Risk Rating
Pass	$	249,609	$	149,140	$	161,494	$	126,416	$	86,712	$	85,386	$	391,852	$	1,250,609
Special Mention	74		26		3,467		—		—		—		200		3,767
Substandard	464		12,599		1,956		1,161		5,954		796		6,101		29,031
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial business	$	250,147	$	161,765	$	166,917	$	127,577	$	92,666	$	86,182	$	398,153	$	1,283,407
Agricultural business, including secured by farmland
Risk Rating
Pass	$	36,848	$	35,440	$	18,946	$	28,354	$	24,710	$	27,063	$	109,606	$	280,967
Special Mention	—		336		271		—		—		—		357		964
Substandard	2,015		970		—		6,565		—		2,599		997		13,146
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Agricultural business, including secured by farmland	$	38,863	$	36,746	$	19,217	$	34,919	$	24,710	$	29,662	$	110,960	$	295,077

The following tables present the Company’s portfolio of non-risk-rated loans by class and delinquency status as of September 30, 2023 and December 31, 2022 (in thousands). In addition, the tables include the gross charge-offs for the nine months ended September 30, 2023. 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.

	September 30, 2023
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2023		2022		2021		2020		2019		Prior
Small balance CRE
Past Due Category
Current	$	70,771	$	173,658	$	219,478	$	168,195	$	124,351	$	412,984	$	391	$	1,169,828
30-59 Days Past Due	—		—		—		—		—		—		—		—
60-89 Days Past Due	—		—		—		—		—		—		—		—
90 Days + Past Due	—		—		—		—		—		—		—		—
Total Small balance CRE	$	70,771	$	173,658	$	219,478	$	168,195	$	124,351	$	412,984	$	391	$	1,169,828
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Small business scored
Past Due Category
Current	$	148,103	$	282,890	$	181,094	$	88,641	$	66,077	$	103,493	$	127,140	$	997,438
30-59 Days Past Due	—		65		73		386		63		354		534		1,475
60-89 Days Past Due	—		—		188		8		15		606		47		864
90 Days + Past Due	25		309		—		30		505		68		—		937
Total Small business scored	$	148,128	$	283,264	$	181,355	$	89,065	$	66,660	$	104,521	$	127,721	$	1,000,714
Current period gross charge-offs	$	169	$	386	$	166	$	179	$	271	$	182	$	—	$	1,353
One- to four- family residential
Past Due Category
Current	$	258,337	$	600,917	$	267,544	$	58,001	$	32,951	$	212,790	$	116	$	1,430,656
30-59 Days Past Due	—		—		—		—		—		211		99		310
60-89 Days Past Due	236		596		234		—		—		321		—		1,387
90 Days + Past Due	1,060		543		1,894		577		636		1,631		—		6,341
Total One- to four- family residential	$	259,633	$	602,056	$	269,672	$	58,578	$	33,587	$	214,953	$	215	$	1,438,694
Current period gross charge-offs	$	—	$	—	$	—	$	4	$	—	$	30	$	—	$	34

	September 30, 2023
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2023		2022		2021		2020		2019		Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current	$	5,227	$	2,557	$	1,477	$	1,578	$	1,240	$	5,653	$	557,691	$	575,423
30-59 Days Past Due	28		120		—		150		72		236		595		1,201
60-89 Days Past Due	—		51		—		—		20		149		255		475
90 Days + Past Due	—		217		77		1,043		281		1,119		—		2,737
Total Consumer—home equity revolving lines of credit	$	5,255	$	2,945	$	1,554	$	2,771	$	1,613	$	7,157	$	558,541	$	579,836
Current period gross charge-offs	$	—	$	—	$	14	$	73	$	—	$	19	$	(3)	$	103
Consumer-other
Past Due Category
Current	$	9,136	$	33,926	$	10,692	$	7,379	$	4,603	$	18,967	$	26,820	$	111,523
30-59 Days Past Due	—		77		15		13		10		44		101		260
60-89 Days Past Due	—		—		3		—		—		11		76		90
90 Days + Past Due	—		—		—		—		—		—		—		—
Total Consumer-other	$	9,136	$	34,003	$	10,710	$	7,392	$	4,613	$	19,022	$	26,997	$	111,873
Current period gross charge-offs	$	—	$	40	$	56	$	20	$	39	$	95	$	591	$	841

	December 31, 2022
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2022		2021		2020		2019		2018		Prior
Small balance CRE
Past Due Category
Current	$	177,605	$	215,801	$	172,286	$	134,552	$	142,592	$	354,924	$	630	$	1,198,390
30-59 Days Past Due	—		—		460		—		—		1,399		—		1,859
60-89 Days Past Due	—		—		—		—		—		—		—		—
90 Days + Past Due	—		—		—		—		—		2		—		2
Total Small balance CRE	$	177,605	$	215,801	$	172,746	$	134,552	$	142,592	$	356,325	$	630	$	1,200,251
Small business scored
Past Due Category
Current	$	307,109	$	201,628	$	99,867	$	81,603	$	56,420	$	78,025	$	119,281	$	943,933
30-59 Days Past Due	146		518		54		262		46		280		173		1,479
60-89 Days Past Due	—		54		—		275		149		7		176		661
90 Days + Past Due	—		—		26		157		70		305		461		1,019
Total Small business scored	$	307,255	$	202,200	$	99,947	$	82,297	$	56,685	$	78,617	$	120,091	$	947,092
One- to four- family residential
Past Due Category
Current	$	555,833	$	279,331	$	59,672	$	34,607	$	37,740	$	191,890	$	1,335	$	1,160,408
30-59 Days Past Due	2,030		846		755		—		116		1,462		78		5,287
60-89 Days Past Due	1,060		—		—		—		115		1,067		—		2,242
90 Days + Past Due	—		1,819		973		712		94		1,577		—		5,175
Total One- to four- family residential	$	558,923	$	281,996	$	61,400	$	35,319	$	38,065	$	195,996	$	1,413	$	1,173,112

	December 31, 2022
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2022		2021		2020		2019		2018		Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current	$	7,442	$	1,089	$	329	$	1,355	$	1,611	$	3,788	$	547,068	$	562,682
30-59 Days Past Due	49		40		75		—		74		214		1,372		1,824
60-89 Days Past Due	—		50		—		—		49		45		59		203
90 Days + Past Due	—		14		73		476		64		675		280		1,582
Total Consumer—home equity revolving lines of credit	$	7,491	$	1,193	$	477	$	1,831	$	1,798	$	4,722	$	548,779	$	566,291
Consumer-other
Past Due Category
Current	$	39,740	$	12,138	$	9,334	$	5,695	$	5,384	$	16,675	$	25,219	$	114,185
30-59 Days Past Due	49		—		16		5		2		67		120		259
60-89 Days Past Due	41		9		29		24		—		13		62		178
90 Days + Past Due	—		10		—		—		—		—		—		10
Total Consumer-other	$	39,830	$	12,157	$	9,379	$	5,724	$	5,386	$	16,755	$	25,401	$	114,632

Loans, Collateral Dependent [Table Text Block]

The following tables provide the amortized cost basis of collateral-dependent loans as of September 30, 2023 and December 31, 2022 (in thousands). Our collateral dependent loans presented in the tables below have no significant concentrations by property type or location.

	September 30, 2023
	Real Estate		Equipment		Total
Small balance CRE	$	808	$	—	$	808
Construction, land and land development:
One- to four-family construction	11,149		—		11,149
Land and land development	499		—		499
Commercial business
Commercial business	—		3,618		3,618
Small business scored	—		288		288
Agricultural business, including secured by farmland	2,576		—		2,576
One- to four-family residential	3,354		—		3,354
Consumer—home equity revolving lines of credit	821		—		821
Total	$	19,207	$	3,906	$	23,113

	December 31, 2022
	Real Estate		Equipment		Total
Small balance CRE	$	2,953	$	—	$	2,953
Commercial business
Commercial business	—		4,537		4,537
Small business scored	—		307		307
One- to four-family residential	1,622		—		1,622
Total	$	4,575	$	4,844	$	9,419

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 September 30, 2023 and December 31, 2022 (in thousands). In addition, the tables include the gross charge-offs for the nine months ended September 30, 2023. 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.

	September 30, 2023
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2023		2022		2021		2020		2019		Prior
Small balance CRE
Past Due Category
Current	$	70,771	$	173,658	$	219,478	$	168,195	$	124,351	$	412,984	$	391	$	1,169,828
30-59 Days Past Due	—		—		—		—		—		—		—		—
60-89 Days Past Due	—		—		—		—		—		—		—		—
90 Days + Past Due	—		—		—		—		—		—		—		—
Total Small balance CRE	$	70,771	$	173,658	$	219,478	$	168,195	$	124,351	$	412,984	$	391	$	1,169,828
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Small business scored
Past Due Category
Current	$	148,103	$	282,890	$	181,094	$	88,641	$	66,077	$	103,493	$	127,140	$	997,438
30-59 Days Past Due	—		65		73		386		63		354		534		1,475
60-89 Days Past Due	—		—		188		8		15		606		47		864
90 Days + Past Due	25		309		—		30		505		68		—		937
Total Small business scored	$	148,128	$	283,264	$	181,355	$	89,065	$	66,660	$	104,521	$	127,721	$	1,000,714
Current period gross charge-offs	$	169	$	386	$	166	$	179	$	271	$	182	$	—	$	1,353
One- to four- family residential
Past Due Category
Current	$	258,337	$	600,917	$	267,544	$	58,001	$	32,951	$	212,790	$	116	$	1,430,656
30-59 Days Past Due	—		—		—		—		—		211		99		310
60-89 Days Past Due	236		596		234		—		—		321		—		1,387
90 Days + Past Due	1,060		543		1,894		577		636		1,631		—		6,341
Total One- to four- family residential	$	259,633	$	602,056	$	269,672	$	58,578	$	33,587	$	214,953	$	215	$	1,438,694
Current period gross charge-offs	$	—	$	—	$	—	$	4	$	—	$	30	$	—	$	34

	September 30, 2023
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2023		2022		2021		2020		2019		Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current	$	5,227	$	2,557	$	1,477	$	1,578	$	1,240	$	5,653	$	557,691	$	575,423
30-59 Days Past Due	28		120		—		150		72		236		595		1,201
60-89 Days Past Due	—		51		—		—		20		149		255		475
90 Days + Past Due	—		217		77		1,043		281		1,119		—		2,737
Total Consumer—home equity revolving lines of credit	$	5,255	$	2,945	$	1,554	$	2,771	$	1,613	$	7,157	$	558,541	$	579,836
Current period gross charge-offs	$	—	$	—	$	14	$	73	$	—	$	19	$	(3)	$	103
Consumer-other
Past Due Category
Current	$	9,136	$	33,926	$	10,692	$	7,379	$	4,603	$	18,967	$	26,820	$	111,523
30-59 Days Past Due	—		77		15		13		10		44		101		260
60-89 Days Past Due	—		—		3		—		—		11		76		90
90 Days + Past Due	—		—		—		—		—		—		—		—
Total Consumer-other	$	9,136	$	34,003	$	10,710	$	7,392	$	4,613	$	19,022	$	26,997	$	111,873
Current period gross charge-offs	$	—	$	40	$	56	$	20	$	39	$	95	$	591	$	841

The following tables provide additional detail on the age analysis of the Company’s past due loans as of September 30, 2023 and December 31, 2022 (in thousands):

	September 30, 2023
	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	$	—	$	—	$	—	$	—	$	911,540	$	911,540	$	—	$	63	$	—
Investment properties	—		—		—		—		1,530,087		1,530,087		—		—		—
Small balance CRE	—		—		—		—		1,169,828		1,169,828		808		1,302		—
Multifamily real estate	—		—		—		—		766,571		766,571		—		—		—
Construction, land and land development:
Commercial construction	—		—		—		—		168,061		168,061		—		—		—
Multifamily construction	—		—		—		—		453,129		453,129		—		—		—
One- to four-family construction	—		—		5,040		5,040		531,309		536,349		4,788		5,040		—
Land and land development	—		42		499		541		345,821		346,362		498		498		—
Commercial business:
Commercial business	497		—		3,935		4,432		1,259,315		1,263,747		3,617		4,027		—
Small business scored	1,475		864		937		3,276		997,438		1,000,714		287		1,262		—
Agricultural business, including secured by farmland	—		48		2,174		2,222		332,404		334,626		3,170		3,170		—
One- to four-family residential	310		1,387		6,341		8,038		1,430,656		1,438,694		2,256		5,480		1,799
Consumer:
Consumer—home equity revolving lines of credit	1,201		475		2,737		4,413		575,423		579,836		821		3,369		245
Consumer—other	260		90		—		350		111,523		111,873		—		9		—
Total	$	3,743	$	2,906	$	21,663	$	28,312	$	10,583,105	$	10,611,417	$	16,245	$	24,220	$	2,044

	December 31, 2022
	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	$	—	$	—	$	—	$	—	$	845,320	$	845,320	$	—	$	143	$	—
Investment properties	—		—		—		—		1,589,975		1,589,975		—		—		—
Small balance CRE	1,859		—		2		1,861		1,198,390		1,200,251		2,927		3,540		—
Multifamily real estate	—		—		—		—		645,071		645,071		—		—		—
Construction, land and land development:
Commercial construction	—		—		—		—		184,876		184,876		—		—		—
Multifamily construction	—		—		—		—		325,816		325,816		—		—		—
One- to four-family construction	900		—		—		900		646,429		647,329		—		—		—
Land and land development	921		—		97		1,018		327,457		328,475		—		181		—
Commercial business:
Commercial business	2,100		4,145		649		6,894		1,276,513		1,283,407		6,998		7,356		—
Small business scored	1,479		661		1,019		3,159		943,933		947,092		303		2,530		—
Agricultural business, including secured by farmland	1,185		—		594		1,779		293,298		295,077		594		594		—
One-to four-family residential	5,287		2,242		5,175		12,704		1,160,408		1,173,112		1,569		5,236		1,023
Consumer:
Consumer—home equity revolving lines of credit	1,824		203		1,582		3,609		562,682		566,291		—		2,124		254
Consumer—other	259		178		10		447		114,185		114,632		—		2		10
Total	$	15,814	$	7,429	$	9,128	$	32,371	$	10,114,353	$	10,146,724	$	12,391	$	21,706	$	1,287

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 nine months ended September 30, 2023 and 2022 (in thousands):

	For the Three Months Ended September 30, 2023
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Total
Allowance for credit losses:
Beginning balance	$	43,636	$	8,039	$	29,844	$	33,880	$	3,573	$	16,737	$	8,971	$	144,680
Provision/(recapture) for credit losses	210		765		(484)		398		690		1,129		235		2,943
Recoveries	170		—		29		403		19		59		126		806
Charge-offs	—		—		—		(616)		(564)		—		(289)		(1,469)
Ending balance	$	44,016	$	8,804	$	29,389	$	34,065	$	3,718	$	17,925	$	9,043	$	146,960
	For the Nine Months Ended September 30, 2023
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Total
Allowance for credit losses:
Beginning balance	$	44,086	$	7,734	$	29,171	$	33,299	$	3,475	$	14,729	$	8,971	$	141,465
(Recapture)/provision for credit losses	(498)		1,070		345		2,060		677		3,018		604		7,276
Recoveries	428		—		29		1,046		130		212		412		2,257
Charge-offs	—		—		(156)		(2,340)		(564)		(34)		(944)		(4,038)
Ending balance	$	44,016	$	8,804	$	29,389	$	34,065	$	3,718	$	17,925	$	9,043	$	146,960

	For the Three Months Ended September 30, 2022
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Total
Allowance for credit losses:
Beginning balance	$	46,373	$	6,906	$	26,939	$	28,673	$	3,002	$	9,573	$	7,236	$	128,702
(Recapture)/provision for credit losses	(2,096)		208		1,071		2,395		243		2,796		1,730		6,347
Recoveries	88		—		—		924		252		25		85		1,374
Charge-offs	—		—		(25)		(138)		(42)		—		(300)		(505)
Ending balance	$	44,365	$	7,114	$	27,985	$	31,854	$	3,455	$	12,394	$	8,751	$	135,918
	For the Nine Months Ended September 30, 2022
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Total
Allowance for loan losses:
Beginning balance	$	52,995	$	7,043	$	27,294	$	26,421	$	3,190	$	8,205	$	6,951	$	132,099
(Recapture)/provision for credit losses	(8,932)		71		337		4,594		(77)		4,026		2,096		2,115
Recoveries	304		—		384		1,307		384		163		413		2,955
Charge-offs	(2)		—		(30)		(468)		(42)		—		(709)		(1,251)
Ending balance	$	44,365	$	7,114	$	27,985	$	31,854	$	3,455	$	12,394	$	8,751	$	135,918