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Allowance for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2024
Allowance for Credit Loss [Abstract]  
Schedule of Allocation of the Allowance for Loan Losses
The following tables provide the allocation of the ACL for loans held for investment as well as the activity in the ACL attributed to various segments in the loan portfolio as of, and for the periods indicated:

Three Months Ended June 30, 2024
(Dollars in thousands) Beginning ACL Balance  Charge-offs  Recoveries Provision for Credit Losses
 Ending ACL Balance
Investor loans secured by real estate
CRE non-owner-occupied
$30,781 $(4,196)$1,500 $1,653 $29,738 
Multifamily58,411 (7,372)— 6,259 57,298 
Construction and land8,171 — — 2,633 10,804 
SBA secured by real estate2,184 (153)86 25 2,142 
Business loans secured by real estate
CRE owner-occupied28,760 — 121 (350)28,531 
Franchise real estate secured7,258 — — (464)6,794 
SBA secured by real estate4,288 — 1 (155)4,134 
Commercial loans
Commercial and industrial37,107 (968)148 (4,030)32,257 
Franchise non-real estate secured14,320 — 1,375 (4,565)11,130 
SBA non-real estate secured495 (6)3 (10)482 
Retail loans
Single family residential442 — 3 (46)399 
Consumer loans123 (835)— 806 94 
Totals$192,340 $(13,530)$3,237 $1,756 $183,803 
Six Months Ended June 30, 2024
 Beginning ACL Balance Charge-offs  Recoveries Provision for Credit Losses  Ending
ACL Balance
(Dollars in thousands)
Investor loans secured by real estate
CRE non-owner occupied$31,030 $(5,123)$1,500 $2,331 $29,738 
Multifamily56,312 (7,372)5 8,353 57,298 
Construction and land9,314 — — 1,490 10,804 
SBA secured by real estate2,182 (406)86 280 2,142 
Business loans secured by real estate
CRE owner-occupied28,787 (4,452)184 4,012 28,531 
Franchise real estate secured7,499 (212)— (493)6,794 
SBA secured by real estate4,427 — 2 (295)4,134 
Commercial loans
Commercial and industrial36,692 (1,553)187 (3,069)32,257 
Franchise non-real estate secured15,131 (100)1,375 (5,276)11,130 
SBA non-real estate secured458 (6)5 25 482 
Retail loans
Single family residential505 — 3 (109)399 
Consumer loans134 (835)— 795 94 
Totals$192,471 $(20,059)$3,347 $8,044 $183,803 

Three Months Ended June 30, 2023
(Dollars in thousands)Beginning ACL BalanceCharge-offsRecoveriesProvision for Credit LossesEnding
ACL Balance
Investor loans secured by real estate
CRE non-owner-occupied
$31,715 $(2,591)$— $2,421 $31,545 
Multifamily57,787 (73)1 (2,067)55,648 
Construction and land7,672 — — 35 7,707 
SBA secured by real estate2,291 — — 40 2,331 
Business loans secured by real estate
CRE owner-occupied29,334 (207)12 (624)28,515 
Franchise real estate secured7,790 — — (935)6,855 
SBA secured by real estate4,415 — 80 16 4,511 
Commercial loans
Commercial and industrial37,659 (225)169 1,983 39,586 
Franchise non-real estate secured15,721 — — (1,079)14,642 
SBA non-real estate secured401 — 59 (61)399 
Retail loans
Single family residential392 — — 63 455 
Consumer loans211 (890)— 818 139 
Totals$195,388 $(3,986)$321 $610 $192,333 
Six Months Ended June 30, 2023
(Dollars in thousands)Beginning ACL BalanceCharge-offsRecoveriesProvision for Credit LossesEnding
ACL Balance
Investor loans secured by real estate
CRE non-owner occupied$33,692 $(2,657)$15 $495 $31,545 
Multifamily56,334 (290)1 (397)55,648 
Construction and land7,114 — — 593 7,707 
SBA secured by real estate2,592 — — (261)2,331 
Business loans secured by real estate
CRE owner-occupied32,340 (2,370)24 (1,479)28,515 
Franchise real estate secured7,019 — — (164)6,855 
SBA secured by real estate4,348 — 80 83 4,511 
Commercial loans
Commercial and industrial35,169 (1,348)380 5,385 39,586 
Franchise non-real estate secured16,029 — 100 (1,487)14,642 
SBA non-real estate secured441 — 65 (107)399 
Retail loans
Single family residential352 (90)1 192 455 
Consumer loans221 (895)35 778 139 
Totals$195,651 $(7,650)$701 $3,631 $192,333 
Schedule of Fair Value, off-Balance-Sheet Risks The following table summarizes the activities in the ACL for off-balance sheet commitments for the periods indicated:
Three Months EndedSix Months Ended
June 30,June 30,June 30,June 30,
(Dollars in thousands)2024202320242023
Beginning ACL balance$16,839 $23,452 $19,264 $23,641 
Provision for credit losses on off-balance sheet commitments(505)1,003 (2,930)814 
Ending ACL balance$16,334 $24,455 $16,334 $24,455