
	December 31, 2023				December 31, 2022
	Amount		Percent of Total		Amount		Percent of Total
Commercial real estate:
Owner-occupied	$	915,897	9	%	$	845,320	8	%
Investment properties	1,541,344		14		1,589,975		16
Small balance CRE	1,178,500		11		1,200,251		12
Multifamily real estate	811,232		8		645,071		6
Construction, land and land development:
Commercial construction	170,011		1		184,876		2
Multifamily construction	503,993		5		325,816		3
One- to four-family construction	526,432		5		647,329		6
Land and land development	336,639		3		328,475		3
Commercial business:
Commercial business (1)	1,255,734		11		1,283,407		13
Small business scored	1,022,154		10		947,092		9
Agricultural business, including secured by farmland	331,089		3		295,077		3
One- to four-family residential	1,518,046		14		1,173,112		12
Consumer:
Consumer—home equity revolving lines of credit	588,703		5		566,291		6
Consumer—other	110,681		1		114,632		1
Total loans	10,810,455		100	%	10,146,724		100	%
Less allowance for credit losses - loans	(149,643)				(141,465)
Net loans	$	10,660,812			$	10,005,259

Loan amounts are net of unearned loan fees in excess of unamortized costs of $12.1 million as of December 31, 2023 and $8.1 million as of December 31, 2022. Net loans include net discounts on acquired loans of $4.6 million and $6.6 million as of December 31, 2023 and 2022, respectively. Net loans does not include accrued interest receivable. Accrued interest receivable on loans was $47.8 million as of December 31, 2023 and $39.8 million as of December 31, 2022 and was reported in accrued interest receivable on the Consolidated Statements of Financial Condition.

The Company’s loans to directors, executive officers and related entities are on substantially the same terms and underwriting as those prevailing at the time for comparable transactions with unrelated persons and do not involve more than normal risk of collectability. Such loans had balances of $708,000 and $683,000 at December 31, 2023 and 2022, respectively.

Purchased credit-deteriorated and purchased non-credit-deteriorated loans. Loans acquired in business combinations are recorded at their fair value at the acquisition date. Acquired loans are evaluated upon acquisition and classified as either purchased credit-deteriorated (PCD) or purchased non-credit-deteriorated. There were no PCD loans at December 31, 2023 or 2022.

Troubled Loan Modifications. Occasionally, the Company offers modifications of loans to borrowers experiencing financial difficulty by providing principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions or any combination of these. When principal forgiveness is provided, the amount of the forgiveness is charged-off against the allowance for credit losses - loans. Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is charged off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses - loans is adjusted by the same amount. The allowance for credit losses on modified loans is measured using the same credit loss estimation methods used to determine the allowance for credit losses for all other loans held for investment. These methods incorporate the post-modification loan terms, as well as defaults and charge-offs associated with historical modified loans.

The Company has not committed to lend any additional amounts to 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 December 31, 2023 (in thousands):

The following table presents the financial effect of the loan modifications presented above for borrowers experiencing financial difficulty for the year ended December 31, 2023:

For the Year Ended December 31, 2023

Weighted Average Payment Delay Period
(in months)

Weighted Average Term Extension
(in months)

One- to four-family construction

n/a

Commercial business

n/a

Agricultural business, including secured by farmland

n/a

One- to four-family residential

n/a

Credit Quality Indicators: To appropriately and effectively manage the ongoing credit quality of the Company’s loan portfolio, Management has implemented a risk-rating or loan grading system for its loans. The system is a tool to evaluate portfolio asset quality throughout each applicable loan’s life as an asset of the Company. Generally, loans are risk rated on an aggregate borrower/relationship basis with individual loans sharing similar ratings. There are some instances when specific situations relating to individual loans will provide the basis for different risk ratings within the aggregate relationship. Loans are graded on a scale of 1 to 9. A description of the general characteristics of these categories is shown below.

Overall Risk Rating Definitions: Risk ratings contain both qualitative and quantitative measurements and take into account the financial strength of a borrower and the structure of the loan. Consequently, the definitions are to be applied in the context of each lending transaction and judgment must also be used to determine the appropriate risk rating, as it is not unusual for a loan to exhibit characteristics of more than one risk-rating category. Consideration for the final rating is centered on the borrower’s ability to repay, in a timely fashion, both principal and interest. The Company’s risk-rating and loan grading policies are reviewed and approved annually. There were no material changes in the risk-rating or loan grading system for the periods presented.

A credit with potential weaknesses that deserves Management’s close attention is risk rated a 6. If left uncorrected, these potential weaknesses will result in deterioration in the capacity to repay debt. A key distinction between Special Mention and Substandard is that in a Special Mention credit, there are identified weaknesses that pose potential risk(s) to the repayment sources, versus well defined weaknesses that pose risk(s) to the repayment sources. Assets in this category are expected to be in this category no more than 9-12 months as the potential weaknesses in the credit are resolved.

A credit with well-defined weaknesses that jeopardize the ability to repay in full is risk rated a 7. These credits are inadequately protected by either the sound net worth and payment capacity of the borrower or the value of pledged collateral. These are credits with a distinct possibility of loss. Loans headed for foreclosure and/or legal action due to deterioration are rated 7 or worse.

A credit with an extremely high probability of loss is risk rated 8. These credits have all the same critical weaknesses that are found in a substandard loan; however, the weaknesses are elevated to the point that, based upon current information, collection or liquidation in full is improbable. While some loss on doubtful credits is expected, pending events may make the amount and timing of any loss indeterminable. In these situations, taking the loss is inappropriate until the outcome of the pending event is clear.

A credit that is considered to be currently uncollectible or of such little value that it is no longer a viable bank asset is risk rated 9. Losses should be taken in the accounting period in which the credit is determined to be uncollectible. Taking a loss does not mean that a credit has absolutely no recovery or salvage value but, rather, it is not practical or desirable to defer writing off the credit, even though partial recovery may occur in the future.

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


	December 31, 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	$	170,577	$	149,489	$	161,647	$	139,934	$	65,424	$	154,036	$	36,209	$	877,316
Special Mention	—		—		—		—		—		—		1		1
Substandard	—		14,450		217		4,731		18,999		183		—		38,580
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial real estate - owner occupied	$	170,577	$	163,939	$	161,864	$	144,665	$	84,423	$	154,219	$	36,210	$	915,897

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate - investment properties
Risk Rating
Pass	$	154,128	$	168,286	$	281,324	$	123,315	$	156,174	$	597,977	$	47,936	$	1,529,140
Special Mention	—		—		—		—		—		2,714		1,198		3,912
Substandard	—		—		—		—		—		8,292		—		8,292
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial real estate - investment properties	$	154,128	$	168,286	$	281,324	$	123,315	$	156,174	$	608,983	$	49,134	$	1,541,344

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Multifamily real estate
Risk Rating
Pass	$	96,865	$	177,907	$	215,220	$	101,336	$	46,886	$	167,305	$	3,285	$	808,804
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		2,428		—		2,428
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Multifamily real estate	$	96,865	$	177,907	$	215,220	$	101,336	$	46,886	$	169,733	$	3,285	$	811,232

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	December 31, 2023
	Term Loans by Year of Origination												Revolving Loans		Total Loans
By class:	2023		2022		2021		2020		2019		Prior

Commercial construction
Risk Rating
Pass	$	86,165	$	62,302	$	4,056	$	12,705	$	—	$	1,015	$	—	$	166,243
Special Mention	3,010		—		—		—		—		—		—		3,010
Substandard	—		—		758		—		—		—		—		758
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial construction	$	89,175	$	62,302	$	4,814	$	12,705	$	—	$	1,015	$	—	$	170,011

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Multifamily construction
Risk Rating
Pass	$	176,729	$	256,661	$	70,189	$	414	$	—	$	—	$	—	$	503,993
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Multifamily construction	$	176,729	$	256,661	$	70,189	$	414	$	—	$	—	$	—	$	503,993

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

One- to four- family construction
Risk Rating
Pass	$	447,818	$	43,563	$	25,229	$	—	$	329	$	—	$	381	$	517,320
Special Mention	—		—		—		—		—		—		—		—
Substandard	6,715		253		2,144		—		—		—		—		9,112
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total One- to four- family construction	$	454,533	$	43,816	$	27,373	$	—	$	329	$	—	$	381	$	526,432

Current period gross charge-offs	$	136	$	—	$	933	$	—	$	—	$	—	$	—	$	1,069


	December 31, 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	$	188,134	$	80,472	$	34,146	$	12,338	$	8,409	$	10,152	$	2,136	$	335,787
Special Mention	—		852		—		—		—		—		—		852
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Land and land development	$	188,134	$	81,324	$	34,146	$	12,338	$	8,409	$	10,152	$	2,136	$	336,639

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	20	$	—	$	20

Commercial business
Risk Rating
Pass	$	157,830	$	223,582	$	121,031	$	134,066	$	102,545	$	126,175	$	363,652	$	1,228,881
Special Mention	199		—		—		—		43		—		2,548		2,790
Substandard	1,919		5,207		3,398		5,207		1,509		2,010		4,813		24,063
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Commercial business	$	159,948	$	228,789	$	124,429	$	139,273	$	104,097	$	128,185	$	371,013	$	1,255,734

Current period gross charge-offs	$	22	$	108	$	681	$	5	$	—	$	27	$	318	$	1,161

Agricultural business, including secured by farmland
Risk Rating
Pass	$	48,620	$	35,520	$	24,659	$	17,658	$	23,885	$	38,273	$	123,158	$	311,773
Special Mention	550		—		652		—		—		301		308		1,811
Substandard	4,057		—		626		—		7,819		2,280		2,723		17,505
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total Agricultural business, including secured by farmland	$	53,227	$	35,520	$	25,937	$	17,658	$	31,704	$	40,854	$	126,189	$	331,089

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


	December 31, 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	$	83,077	$	194,213	$	215,550	$	163,689	$	121,596	$	399,025	$	378	$	1,177,528
30-59 Days Past Due	—		—		—		—		159		400		—		559
60-89 Days Past Due	—		—		—		—		—		—		—		—
90 Days + Past Due	—		—		—		413		—		—		—		413
Total Small balance CRE	$	83,077	$	194,213	$	215,550	$	164,102	$	121,755	$	399,425	$	378	$	1,178,500

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Small business scored
Past Due Category
Current	$	197,138	$	276,888	$	172,286	$	84,320	$	61,613	$	96,269	$	129,998	$	1,018,512
30-59 Days Past Due	16		171		1,048		52		169		287		307		2,050
60-89 Days Past Due	18		—		—		60		79		393		83		633
90 Days + Past Due	24		69		148		—		460		257		1		959
Total Small business scored	$	197,196	$	277,128	$	173,482	$	84,432	$	62,321	$	97,206	$	130,389	$	1,022,154

Current period gross charge-offs	$	193	$	421	$	221	$	185	$	286	$	183	$	—	$	1,489

One- to four- family residential
Past Due Category
Current	$	360,797	$	586,167	$	262,414	$	56,436	$	31,275	$	206,247	$	209	$	1,503,545
30-59 Days Past Due	846		3,087		979		511		—		1,441		—		6,864
60-89 Days Past Due	—		540		510		388		151		790		—		2,379
90 Days + Past Due	1,060		700		1,582		192		633		1,091		—		5,258
Total One- to four- family residential	$	362,703	$	590,494	$	265,485	$	57,527	$	32,059	$	209,569	$	209	$	1,518,046

Current period gross charge-offs	$	—	$	—	$	—	$	10	$	—	$	32	$	—	$	42


	December 31, 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	$	5,003	$	2,594	$	1,564	$	1,200	$	1,177	$	4,678	$	566,249	$	582,465
30-59 Days Past Due	—		51		93		66		175		324		2,063		2,772
60-89 Days Past Due	—		—		98		—		50		246		445		839
90 Days + Past Due	—		365		178		1,043		19		966		56		2,627
Total Consumer—home equity revolving lines of credit	$	5,003	$	3,010	$	1,933	$	2,309	$	1,421	$	6,214	$	568,813	$	588,703

Current period gross charge-offs	$	—	$	—	$	13	$	73	$	—	$	21	$	(3)	$	104

Consumer-other
Past Due Category
Current	$	10,756	$	31,836	$	9,961	$	6,906	$	4,441	$	17,920	$	28,207	$	110,027
30-59 Days Past Due	5		—		62		—		—		81		269		417
60-89 Days Past Due	12		—		4		2		20		6		97		141
90 Days + Past Due	—		58		—		28		10		—		—		96
Total Consumer-other	$	10,773	$	31,894	$	10,027	$	6,936	$	4,471	$	18,007	$	28,573	$	110,681

Current period gross charge-offs	$	—	$	55	$	79	$	37	$	39	$	159	$	889	$	1,258


	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


	December 31, 2023
	Real Estate		Accounts Receivable		Equipment		Inventory		Total
Commercial real estate:
Owner-occupied	$	1,391	$	—	$	—	$	—	$	1,391

Small balance CRE	755		—		—		—		755




One- to four-family construction	8,859		—		—		—		8,859


Commercial business	—		1,059		5,085		812		6,956

Agricultural business, including secured by farmland	2,576		—		—		—		2,576
One- to four-family residential	1,954		—		—		—		1,954

Consumer—home equity revolving lines of credit	821		—		—		—		821

Total	$	16,356	$	1,059	$	5,085	$	812	$	23,312


	December 31, 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	$	—	$	—	$	—	$	—	$	915,897	$	915,897	$	1,391	$	1,450	$	—
Investment properties	—		—		—		—		1,541,344		1,541,344		—		—		—
Small balance CRE	559		—		413		972		1,177,528		1,178,500		755		1,227		—
Multifamily real estate	—		—		—		—		811,232		811,232		—		—		—
Construction, land and land development:
Commercial construction	—		—		—		—		170,011		170,011		—		—		—
Multifamily construction	—		—		—		—		503,993		503,993		—		—		—
One- to four-family construction	286		—		4,201		4,487		521,945		526,432		2,852		3,105		1,096
Land and land development	1,822		553		42		2,417		334,222		336,639		—		—		42
Commercial business:
Commercial business	1,166		5,735		1,181		8,082		1,247,652		1,255,734		789		7,346		—
Small business scored	2,050		633		959		3,642		1,018,512		1,022,154		—		1,656		1
Agricultural business, including secured by farmland	—		—		2,171		2,171		328,918		331,089		3,167		3,167		—
One- to four-family residential	6,864		2,379		5,258		14,501		1,503,545		1,518,046		1,939		5,702		1,205
Consumer:
Consumer—home equity revolving lines of credit	2,772		839		2,627		6,238		582,465		588,703		821		3,110		391
Consumer—other	417		141		96		654		110,027		110,681		—		94		10
Total	$	15,936	$	10,280	$	16,948	$	43,164	$	10,767,291	$	10,810,455	$	11,714	$	26,857	$	2,745


	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


	For the Year Ended December 31, 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	(259)			1,592			(16)			3,532			808			4,354			1,086			11,097

Recoveries	557			—			29			1,283			146			230			543			2,788
Charge-offs	—			—			(1,089)			(2,650)			(564)			(42)			(1,362)			(5,707)
Ending balance	$	44,384		$	9,326		$	28,095		$	35,464		$	3,865		$	19,271		$	9,238		$	149,643

Net loan recoveries (charge-offs) as a percent of average outstanding loans during the period	0.01		%	—		%	(0.01)		%	(0.01)		%	—		%	—		%	(0.01)		%	(0.03)		%


	For the Year Ended December 31, 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	$	52,995		$	7,043		$	27,294		$	26,421		$	3,190		$	8,205		$	6,951		$	132,099

(Recapture)/provision for credit losses	(9,299)			691			1,523			6,654			(148)			6,343			2,394			8,158
Recoveries	392			—			384			1,923			475			181			566			3,921
Charge-offs	(2)			—			(30)			(1,699)			(42)			—			(940)			(2,713)
Ending balance	$	44,086		$	7,734		$	29,171		$	33,299		$	3,475		$	14,729		$	8,971		$	141,465

Net loan recoveries as a percent of average outstanding loans during the period	—		%	—		%	—		%	—		%	—		%	—		%	—		%	0.01		%


	For the Year Ended December 31, 2021
	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	$	57,791		$	3,893		$	41,295		$	35,007		$	4,914		$	9,913		$	14,466		$	167,279

(Recapture)/provision for loan losses	(2,758)			3,209			(14,101)			(8,621)			(1,573)			(1,907)			(7,361)			(33,112)
Recoveries	1,729			—			100			1,797			30			199			760			4,615
Charge-offs	(3,767)			(59)			—			(1,762)			(181)			—			(914)			(6,683)
Ending balance	$	52,995		$	7,043		$	27,294		$	26,421		$	3,190		$	8,205		$	6,951		$	132,099

Net loan charge-offs as a percent of average outstanding loans during the period	(0.02)		%	—		%	—		%	—		%	—		%	—		%	—		%	(0.02)		%