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Loans and allowance for credit losses (Tables)
 12 Months Ended
Dec. 31, 2020
Receivables [Abstract]  
Schedule of Loans Outstanding by Class of Financing Receivable
Loans outstanding at December 31, 2020 and 2019, by class of financing receivable are as follows:
 December 31,December 31,
 2020 2019 
Commercial and industrial (1)
$1,346,122 $1,034,036 
Construction1,222,220 551,101 
Residential real estate:
1-to-4 family mortgage1,089,270 710,454 
Residential line of credit408,211 221,530 
Multi-family mortgage175,676 69,429 
Commercial real estate:
Owner occupied924,841 630,270 
Non-owner occupied1,598,979 920,744 
Consumer and other317,640 272,078 
Gross loans7,082,959 4,409,642 
Less: Allowance for credit losses(170,389)(31,139)
Net loans$6,912,570 $4,378,503 
(1)Includes $212,645 of loans originated as part of the PPP at December 31, 2020, established by the CARES Act, in response to the COVID-19 pandemic. The PPP is administered by the SBA; loans originated as part of the PPP may be forgiven by the SBA under a set of defined rules. PPP loans are federally guaranteed as part of the CARES Act, provided PPP loan recipients receive loan forgiveness under the SBA regulations. As such, there is minimal credit risk associated with these loans.
Schedule of Changes in Allowance for Credit Losses by Class of Financing Receivable
The following provides the changes in the allowance for credit losses by class of financing receivable for the years ended December 31, 2020, 2019, and 2018:
 Commercial
and industrial 		Construction1-to-4
family
residential
mortgage 		Residential
line of credit 		Multi-family
residential
mortgage 		Commercial
real estate
owner
occupied 		Commercial
real estate
non-owner
occupied 		Consumer
and other 		Total
Year Ended December 31, 2020
Beginning balance -
December 31, 2019
$4,805 $10,194 $3,112 $752 $544 $4,109 $4,621 $3,002 $31,139 
Impact of adopting ASC
326 on non-purchased
credit deteriorated loans
5,300 1,533 7,920 3,461 340 1,879 6,822 3,633 30,888 
Impact of adopting ASC
326 on purchased credit
deteriorated loans
82 150 421 (3)— 162 184 (438)558 
Provision for credit losses13,830 40,807 6,408 5,649 5,506 (1,739)17,789 6,356 94,606 
Recoveries of loans
previously charged-off
1,712 205 122 125 — 83 — 756 3,003 
Loans charged off(11,735)(18)(403)(22)— (304)(711)(2,112)(15,305)
Initial allowance on loans
purchased with
deteriorated credit quality
754 5,606 1,640 572 784 659 15,442 43 25,500 
Ending balance -
December 31, 2020
$14,748 $58,477 $19,220 $10,534 $7,174 $4,849 $44,147 $11,240 $170,389 
 
 Commercial
and industrial 		Construction1-to-4
family
residential
mortgage 		Residential
line of credit 		Multi-family
residential
mortgage 		Commercial
real estate
owner
occupied 		Commercial
real estate
non-owner
occupied 		Consumer
and other 		Total
Year Ended December 31, 2019 
Beginning balance -
December 31, 2018
$5,348 $9,729 $3,428 $811 $566 $3,132 $4,149 $1,769 $28,932 
Provision for loan losses2,251 454 (175)112 (22)869 484 3,080 7,053 
Recoveries of loans
previously charged-off
136 11 79 138 — 108 — 634 1,106 
Loans charged off(2,930)— (220)(309)— — (12)(2,481)(5,952)
Ending balance -
December 31, 2019
$4,805 $10,194 $3,112 $752 $544 $4,109 $4,621 $3,002 $31,139 

Commercial and industrialConstruction1-to-4 family residential mortgageResidential line of creditMulti-family residential mortgageCommercial real estate owner occupiedCommercial real estate non-owner occupiedConsumer and OtherTotal
Year Ended December 31, 2018
Beginning balance -
   December 31, 2017		$4,461 $7,135 $3,197 $944 $434 $3,558 $2,817 $1,495 $24,041 
Provision for loan losses1,395 1,459 547 (275)132 (478)1,281 1,337 5,398 
Recoveries of loans
   previously charged-off		390 1,164 171 178 — 143 51 550 2,647 
Loans charged off(898)(29)(138)(36)— (91)— (1,613)(2,805)
Adjustments for transfers
to loans HFS
— — (349)— — — — — (349)
Ending balance -
   December 31, 2018		$5,348 $9,729 $3,428 $811 $566 $3,132 $4,149 $1,769 $28,932 
Schedule of Allowance for Credit Losses by Class of Financing Receivable Disaggregated by Measurement Methodology
The following tables provides the amount of the allowance for credit losses by class of financing receivable disaggregated by measurement methodology as of December 31, 2020, 2019 and 2018:

 December 31, 2020
 Commercial
and industrial 		Construction1-to-4
family
residential
mortgage		Residential
line of credit 		Multi-family
residential
mortgage 		Commercial
real estate
owner
occupied 		Commercial
real estate
non-owner occupied 		Consumer
and other 		Total
Amount of allowance allocated to:
         
Individually evaluated for credit loss$373 $95 $— $9 $— $30 $1,531 $1 $2,039 
Collectively evaluated for
credit loss
13,493 54,065 17,206 10,031 6,326 4,062 33,706 10,516 149,405 
Purchased credit
deteriorated
882 4,317 2,014 494 848 757 8,910 723 18,945 
Ending balance -
December 31, 2020
$14,748 $58,477 $19,220 $10,534 $7,174 $4,849 $44,147 $11,240 $170,389 
 December 31, 2019
 Commercial
and industrial 		Construction1-to-4
family
residential
mortgage		Residential
line of credit 		Multi-family
residential
mortgage 		Commercial
real estate
owner
occupied 		Commercial
real estate
non-owner occupied 		Consumer
and other 		Total
Amount of allowance allocated to:
         
Individually evaluated for impairment$241 $— $8 $9 $— $238 $399 $— $895 
Collectively evaluated for
impairment
4,457 10,192 2,940 743 544 3,853 3,909 1,933 28,571 
Acquired with deteriorated
credit quality
107 2 164 — — 18 313 1,069 1,673 
Ending balance -
December 31, 2019
$4,805 $10,194 $3,112 $752 $544 $4,109 $4,621 $3,002 $31,139 
 December 31, 2018
 Commercial
and industrial 		Construction1-to-4
family
residential
mortgage		Residential
line of credit 		Multi-family
residential
mortgage 		Commercial
real estate
owner
occupied 		Commercial
real estate
non-owner occupied 		Consumer
and other 		Total
Amount of allowance allocated to:
         
Individually evaluated for impairment$3 $— $7 $— $— $53 $205 $— $268 
Collectively evaluated for
impairment
5,247 9,677 3,205 811 566 3,066 3,628 1,583 27,783 
Acquired with deteriorated
credit quality
98 52 216 — — 13 316 186 881 
Ending balance -
December 31, 2018
$5,348 $9,729 $3,428 $811 $566 $3,132 $4,149 $1,769 $28,932 
Schedule of Amount of Loans by Class of Financing Receivable Disaggregated by Measurement Methodology
The following table provides the amount of loans by class of financing receivable disaggregated by measurement methodology as of December 31, 2020, 2019, and 2018:

 December 31, 2020
 Commercial
and industrial		Construction1-to-4
family
residential
mortgage 		Residential
line of credit 		Multi-family
residential
mortgage		Commercial
real estate
owner
occupied		Commercial
real estate
non-owner
occupied 		Consumer
and other		Total
Loans, net of unearned
income
         
Individually evaluated for credit loss$15,578 $4,851 $848 $412 $— $7,846 $8,631 $39 $38,205 
Collectively evaluated for
credit loss
1,270,058 1,140,634 987,142 387,250 156,447 813,151 1,272,203 302,983 6,329,868 
Purchased credit
deteriorated
60,486 76,735 101,280 20,549 19,229 103,844 318,145 14,618 714,886 
Ending balance -
December 31, 2020
$1,346,122 $1,222,220 $1,089,270 $408,211 $175,676 $924,841 $1,598,979 $317,640 $7,082,959 
 December 31, 2019
 Commercial
and industrial		Construction1-to-4
family
residential
mortgage 		Residential
line of credit 		Multi-family
residential
mortgage		Commercial
real estate
owner
occupied		Commercial
real estate
non-owner
occupied 		Consumer
and other		Total
Loans, net of unearned
income
         
Individually evaluated
for impairment
$9,026 $2,061 $1,347 $579 $— $2,993 $7,755 $49 $23,810 
Collectively evaluated
for impairment
1,023,326 546,156 689,769 220,878 69,429 621,386 902,792 254,944 4,328,680 
Acquired with deteriorated
credit quality
1,684 2,884 19,338 73 — 5,891 10,197 17,085 57,152 
Ending balance -
December 31, 2019
$1,034,036 $551,101 $710,454 $221,530 $69,429 $630,270 $920,744 $272,078 $4,409,642 
 December 31, 2018
 Commercial
and industrial		Construction1-to-4
family
residential
mortgage 		Residential
line of credit 		Multi-family
residential
mortgage		Commercial
real estate
owner
occupied		Commercial
real estate
non-owner
occupied 		Consumer
and other		Total
Loans, net of unearned
income
         
Individually evaluated
for impairment
$1,847 $1,221 $987 $245 $— $2,608 $6,735 $73 $13,716 
Collectively evaluated
for impairment
863,788 549,075 535,451 190,235 75,457 484,900 677,247 208,643 3,584,796 
Acquired with deteriorated
credit quality
1,448 5,755 19,377 — — 6,016 16,266 20,137 68,999 
Ending balance -
December 31, 2018
$867,083 $556,051 $555,815 $190,480 $75,457 $493,524 $700,248 $228,853 $3,667,511 
Schedule of Credit Quality of Loan Portfolio by Year of Origination
The following table presents the credit quality of our loan portfolio by year of origination as of December 31, 2020. Revolving loans are presented separately. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal constitutes a current period origination. Generally, current period renewals of credit are reunderwritten at the point of renewal and considered current period originations for the purposes of the table below.
As of December 31,
Term Loans
Amortized Cost Basis by Origination Year
20202019201820172016PriorRevolving Loans Amortized Cost BasisTotal
Commercial and industrial
Pass$335,519 $183,905 $64,897 $56,598 $30,641 $40,964 $525,885 $1,238,409 
Watch3,786 2,555 6,213 3,764 7,847 4,301 39,901 68,367 
Substandard2,467 2,688 11,227 4,403 6,582 1,277 10,502 39,146 
Doubtful34 — — 22 — — 144 200 
Total341,806 189,148 82,337 64,787 45,070 46,542 576,432 1,346,122 
Construction
Pass460,232 387,759 78,319 40,777 40,386 59,344 112,004 1,178,821 
Watch1,952 4,169 10,368 13,386 1,250 3,559 — 34,684 
Substandard573 1,755 3,178 129 — 3,068 — 8,703 
Doubtful— — — 12 — — — 12 
Total462,757 393,683 91,865 54,304 41,636 65,971 112,004 1,222,220 
Residential real estate:
1-to-4 family mortgage
Pass282,747 176,374 159,036 147,816 107,911 152,027 — 1,025,911 
Watch1,783 2,166 6,672 10,668 4,004 13,889 — 39,182 
Substandard448 1,422 3,787 5,473 3,418 9,043 — 23,591 
Doubtful— 6 19 — 204 357 — 586 
Total284,978 179,968 169,514 163,957 115,537 175,316 — 1,089,270 
Residential line of credit
Pass— — — — — — 396,348 396,348 
Watch— — — — — — 6,511 6,511 
Substandard— — — — — — 4,756 4,756 
Doubtful— — — — — — 596 596 
Total— — — — — — 408,211 408,211 
Multi-family mortgage
Pass29,006 13,446 11,843 46,561 28,330 35,339 11,094 175,619 
Watch— — — — — — — — 
Substandard— — — — — 57.00 — 57 
Doubtful— — — — — — — — 
Total29,006 13,446 11,843 46,561 28,330 35,396 11,094 175,676 
20202019201820172016PriorRevolving Loans Amortized Cost BasisTotal
Commercial real estate:
Owner occupied
Pass133,046 174,965 95,182 89,214 76,539 208,013 51,264 828,223 
Watch8,825 5,891 6,646 21,618 6,101 18,561 2,417 70,059 
Substandard44 1,785 2,423 6,074 274 11,226 4,733 26,559 
Doubtful— — — — — — — — 
Total141,915 182,641 104,251 116,906 82,914 237,800 58,414 924,841 
Non-owner occupied
Pass166,962 222,238 324,848 193,496 264,820 237,933 37,787 1,448,084 
Watch— 8,704 24,464 27,653 25,550 42,696 1,033 130,100 
Substandard— 2,210 1,502 — — 17,083 — 20,795 
Doubtful— — — — — — — — 
Total166,962 233,152 350,814 221,149 290,370 297,712 38,820 1,598,979 
Consumer and other loans
Pass89,625 52,725 39,420 26,172 40,980 31,063 14,816 294,801 
Watch281 911 1,893 1,497 3,049 7,974 12 15,617 
Substandard96 131 867 881 779 2,044 668 5,466 
Doubtful55 434 567 280 156 264 — 1,756 
Total90,057 54,201 42,747 28,830 44,964 41,345 15,496 317,640 
Total
Pass1,497,137 1,211,412 773,545 600,634 589,607 764,683 1,149,198 6,586,216 
Watch16,627 24,396 56,256 78,586 47,801 90,980 49,874 364,520 
Substandard3,628 9,991 22,984 16,960 11,053 43,798 20,659 129,073 
Doubtful89 440 586 314 360 621 740 3,150 
Total$1,517,481 $1,246,239 $853,371 $696,494 $648,821 $900,082 $1,220,471 $7,082,959 
Schedule of Credit Quality Indicators by Class of Financing Receivable
The following table shows credit quality indicators by class of financing receivable at December 31, 2019.
December 31, 2019PassWatchSubstandardTotal
Loans, excluding purchased credit impaired loans    
Commercial and industrial$946,247 $66,910 $19,195 $1,032,352 
Construction541,201 4,790 2,226 548,217 
Residential real estate:
1-to-4 family mortgage666,177 11,380 13,559 691,116 
Residential line of credit218,086 1,343 2,028 221,457 
Multi-family mortgage69,366 63 — 69,429 
Commercial real estate:
Owner occupied576,737 30,379 17,263 624,379 
Non-owner occupied876,670 24,342 9,535 910,547 
Consumer and other248,632 3,304 3,057 254,993 
Total loans, excluding purchased credit impaired loans$4,143,116 $142,511 $66,863 $4,352,490 
Purchased credit impaired loans    
Commercial and industrial$— $1,224 $460 $1,684 
Construction— 2,681 203 2,884 
Residential real estate:
1-to-4 family mortgage— 15,091 4,247 19,338 
Residential line of credit— — 73 73 
Multi-family mortgage— — — — 
Commercial real estate:  
Owner occupied— 4,535 1,356 5,891 
Non-owner occupied— 6,617 3,580 10,197 
Consumer and other— 13,521 3,564 17,085 
Total purchased credit impaired loans— 43,669 13,483 57,152 
Total loans$4,143,116 $186,180 $80,346 $4,409,642 
Schedule of Analysis of Aging by Class of Financing Receivable
The following table represents an analysis of the aging by class of financing receivable as of December 31, 2020:
December 31, 202030-89 days
past due		90 days or 
more and accruing
interest 		Non-accrual
loans		Loans current
on payments
and accruing
interest 		Total
Commercial and industrial$3,297 $330 $16,005 $1,326,490 $1,346,122 
Construction7,607 573 4,053 1,209,987 1,222,220 
Residential real estate:
1-to-4 family mortgage7,058 10,470 5,923 1,065,819 1,089,270 
Residential line of credit3,551 239 1,757 402,664 408,211 
Multi-family mortgage— 57 — 175,619 175,676 
Commercial real estate:
Owner occupied98 — 7,948 916,795 924,841 
Non-owner occupied915 — 12,471 1,585,593 1,598,979 
Consumer and other4,469 2,027 2,603 308,541 317,640 
Total$26,995 $13,696 $50,760 $6,991,508 $7,082,959 
The following table provides the period-end amounts of loans that are past due, loans not accruing interest and loans current on payments accruing interest by category at December 31, 2019:
 
December 31, 201930-89 days
past due		90 days or 
more and accruing
interest 		Non-accrual
loans		Purchased Credit
Impaired loans 		Loans current on payments and accruing interest Total
Commercial and industrial$1,918 $291 $5,587 $1,684 $1,024,556 $1,034,036 
Construction1,021 42 1,087 2,884 546,067 551,101 
Residential real estate:
1-to-4 family mortgage10,738 3,965 3,332 19,338 673,081 710,454 
Residential line of credit658 412 416 73 219,971 221,530 
Multi-family mortgage63 — — — 69,366 69,429 
Commercial real estate:
Owner occupied1,375 — 1,793 5,891 621,211 630,270 
Non-owner occupied327 — 7,880 10,197 902,340 920,744 
Consumer and other2,377 833 967 17,085 250,816 272,078 
Total$18,477 $5,543 $21,062 $57,152 $4,307,408 $4,409,642 
Schedule of Amortized Cost, Related Allowance and Interest Income of Non-accrual Loans
The following tables provide the amortized cost basis of loans on non-accrual status, as well as any related allowance and interest income, by class of financing receivable as of or for the year ended December 31, 2020:
u End of period amortized cost
Beginning of
period non-accrual
amortized cost		Non-accrual
with no
related
allowance		Non-accrual
with
related
allowance		Related
allowance		 Year to date Interest Income
Commercial and industrial$5,586 $13,960 $2,045 $383 $325 
Construction1,254 3,061 992 131 69 
Residential real estate:
1-to-4 family mortgage4,585 3,048 2,875 84 22 
Residential line of credit489 854 903 31 72 
Commercial real estate:
Owner occupied2,285 7,172 776 63 89 
Non-owner occupied9,460 4,566 7,905 1,711 215 
Consumer and other1,623 — 2,603 147 24 
Total$25,282 $32,661 $18,099 $2,550 $816 
Schedule of Impaired Loans Segregated by Class
Impaired loans recognized in conformity with ASC 310 at December 31, 2019 segregated by class, were as follows:
December 31, 2019Recorded
investment		Unpaid
principal		Related
allowance
With a related allowance recorded:
Commercial and industrial$6,080 $8,350 $241 
Residential real estate:
1-to-4 family mortgage264 324 8 
Residential line of credit320 320 9 
Commercial real estate:
Owner occupied756 1,140 238 
Non-owner occupied6,706 6,747 399 
Total$14,126 $16,881 $895 
With no related allowance recorded:
Commercial and industrial$2,946 $3,074 $— 
Construction2,061 2,499 — 
Residential real estate:
1-to-4 family mortgage1,083 1,449 — 
Residential line of credit259 280 — 
Commercial real estate:
Owner occupied2,237 2,627 — 
Non-owner occupied1,049 1,781 — 
Consumer and other49 49 — 
Total$9,684 $11,759 $— 
Total impaired loans$23,810 $28,640 $895 
Average recorded investment and interest income on a cash basis recognized during the years ended December 31, 2019, and 2018 on impaired loans, segregated by class, were as follows:
December 31,
20192018
Average recorded investment Interest income recognized (cash basis) Average recorded investmentInterest income recognized (cash basis)
With a related allowance recorded:
Commercial and industrial$3,349 $474 $335 $121 
Residential real estate:
1-to-4 family mortgage205 13 170 9 
Commercial real estate:
Owner occupied658 27 702 43 
Non-owner occupied6,196 109 2,915 2 
Consumer and other— — — — 
Total$10,568 $624 $4,122 $175 
With no related allowance recorded:
Commercial and industrial$2,088 $201 $1,377 $70 
Construction1,641 167 1,255 74 
Residential real estate:
1-to-4 family mortgage963 68 955 74 
Residential line of credit252 1 123 15 
Commercial real estate:
Owner occupied2,143 133 1,862 148 
Non-owner occupied1,049 — 1,313 7 
Consumer and other61 5 49 4 
Total$8,197 $575 $7,423 $418 
Total impaired loans$18,765 $1,199 $11,545 $593 
Schedule of Changes Value of Accretable Yield of PCI Loans The following table presents changes in the value of the accretable yield for PCI loans for the periods indicated.
Year Ended December 31,
 2019 2018
Balance at the beginning of period$(16,587)$(17,682)
Additions through business combinations(1,167)— 
Principal reductions and other reclassifications from nonaccretable difference61 (4,047)
Accretion7,003 9,010 
Changes in expected cash flows(360)(3,868)
Balance at end of period$(11,050)$(16,587)
Schedule of Financial Effect of TDRs
The following tables present the financial effect of TDRs recorded during the periods indicated.
Year Ended December 31, 2020Number of loansPre-modification outstanding recorded investment Post-modification outstanding recorded investment Charge offs and specific reserves
Commercial and industrial5 $2,257 $2,257 $— 
Commercial real estate:
Owner occupied7 2,794 2,794 — 
Non-owner occupied2 3,752 3,752 $— 
Residential real estate:
1-to-4 family mortgage3 618 618 — 
Residential line of credit1 95 95 — 
Total18 $9,516 $9,516 $— 
Year Ended December 31, 2019Number of loansPre-modification outstanding recorded investment Post-modification outstanding recorded investment Charge offs and specific reserves
Commercial and industrial3 $3,204 $3,204 $— 
Construction21,085 1,085 — 
Commercial real estate:
Owner occupied21,494 1,495 — 
Non-owner occupied11,366 1,366 106 
Residential real estate:
1-4 family mortgage2175 175 — 
Residential line of credit2333 333 9 
Total12$7,657 $7,658 $115 
Year Ended December 31, 2018Number of loansPre-modification outstanding recorded investmentPost-modification outstanding recorded investmentCharge offs and specific reserves
Commercial and industrial2$887 $887 $— 
Commercial real estate:
Owner occupied1143 143 — 
Residential real estate:
1-4 family mortgage1249 249 — 
Consumer and other561 61 — 
Total9$1,340 $1,340 $— 
Schedule of Individually Assessed Allowance for Credit Losses for Collateral Dependent Loans
For loans for which the repayment (based on the Company's assessment) is expected to be provided substantially through the operation or sale of collateral and the borrower is experiencing financial difficulty, the following table presents the loans and the corresponding individually assessed allowance for credit losses by class of financing receivable.
December 31, 2020
Type of Collateral
Real EstateFinancial Assets and Equipment Individually assessed allowance for credit loss
Commercial and industrial$— $1,728 $117 
Construction3,877 — — 
Residential real estate:
1-to-4 family mortgage226 — — 
Residential line of credit1,174 — 9 
Multi-family mortgage— — — 
Commercial real estate:
Owner occupied3,391 — 30 
Non-owner occupied8,164 — 1,531 
Consumer and other— — — 
Total$16,832 $1,728 $1,687 
Schedule of Financing Receivables Under Deferral Program The following table outlines the Company's recorded investment and percentage of loans held for investment by class of financing receivable for Company executed deferrals that remain on deferral at December 31, 2020, in connection with Company COVID-19 relief programs. These deferrals typically ranged from sixty to ninety days per deferral and were not considered TDRs under the interagency regulatory guidance or the CARES Act issued in March 2020. As of December 31, 2020, the Company had a total of $1,399,088 loans previously deferred that were no longer in deferral status.
December 31, 2020
% of Loans
Commercial and industrial$7,118 0.5 %
Construction1,918 0.2 %
Residential real estate:
1-to-4 family mortgage19,201 1.8 %
Residential line of credit204 — %
Multi-family mortgage3,305 1.9 %
Commercial real estate:
Owner occupied19,815 2.1 %
Non-owner occupied139,590 8.7 %
Consumer and other11,366 3.6 %
Total$202,517 2.9 %