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LOANS HELD FOR INVESTMENT, NET - Allowance for Credit Losses Activity (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2024
Jun. 30, 2023
Jun. 30, 2024
Jun. 30, 2023
Dec. 31, 2023
Allowance for credit losses:          
Allowance for credit losses, Beginning balance     $ 71,743    
(Credit) provision for credit losses $ 5,585 $ 892 10,795 $ (2,756)  
Allowance for credit losses, Ending balance 77,812   77,812   $ 71,743
Non-accrual with No Allowance 3,776   3,776   3,780
Non-accrual with Allowance 21,067   21,067   25,319
Reserve 14,838   14,838   14,202
Interest income on non-accrual loans held for investment          
Interest income on non-accrual loans 0 0 0 0  
Business Loans          
Allowance for credit losses:          
Allowance for credit losses, Beginning balance 35,981 43,879 35,962 47,029 47,029
(Credit) provision for credit losses 2,212 (542) 2,946 (2,150)  
Charge-offs (1,179) (3,745) (1,975) (5,774) (15,364)
Recoveries 101 108 182 595  
Allowance for credit losses, Ending balance 37,115 39,700 37,115 39,700 35,962
Non-accrual with No Allowance 3,776   3,776   1,482
Non-accrual with Allowance 16,511   16,511   13,185
Reserve 14,384   14,384   12,932
One-to-Four Family Residential and Cooperative/Condominium Apartment          
Allowance for credit losses:          
Allowance for credit losses, Beginning balance 6,973 6,012 6,813 5,969 5,969
(Credit) provision for credit losses 332 421 492 464  
Charge-offs   (14)   (14) (14)
Allowance for credit losses, Ending balance 7,305 6,419 7,305 6,419 6,813
Non-accrual with Allowance 3,884   3,884   3,248
Reserve 152   152   133
Multifamily Residential and Residential Mixed-Use          
Allowance for credit losses:          
Allowance for credit losses, Beginning balance 11,171 7,613 7,237 8,360 8,360
(Credit) provision for credit losses 3,737 577 7,671 (170)  
Charge-offs (2,551)   (2,551)   (2)
Allowance for credit losses, Ending balance 12,357 8,190 12,357 8,190 7,237
Non-Owner-Occupied Commercial Real Estate          
Allowance for credit losses:          
Allowance for credit losses, Beginning balance 19,445 18,076 19,623 20,153 20,153
(Credit) provision for credit losses (1,105) 364 (1,283) (1,713)  
Allowance for credit losses, Ending balance 18,340 18,440 18,340 18,440 19,623
Non-accrual with No Allowance         2,298
Non-accrual with Allowance 15   15   8,229
Reserve 15   15   832
Acquisition, development, and construction ("ADC")          
Allowance for credit losses:          
Allowance for credit losses, Beginning balance 2,322 2,515 1,989 1,723 1,723
(Credit) provision for credit losses 133 43 466 835  
Allowance for credit losses, Ending balance 2,455 2,558 2,455 2,558 1,989
Non-accrual with Allowance 657   657   657
Reserve 287   287   305
Other Loans          
Allowance for credit losses:          
Allowance for credit losses, Beginning balance 176 240 119 273 273
(Credit) provision for credit losses 75 127 156 93  
Charge-offs (15) (33) (45) (34)  
Recoveries 4 5 10 7  
Allowance for credit losses, Ending balance 240 339 240 339 119
Total (includes other loans)          
Allowance for credit losses:          
Allowance for credit losses, Beginning balance 76,068 78,335 71,743 83,507 83,507
(Credit) provision for credit losses 5,384 990 10,448 (2,641)  
Charge-offs (3,745) (3,792) (4,571) (5,822)  
Recoveries 105 113 192 602  
Allowance for credit losses, Ending balance $ 77,812 $ 75,646 $ 77,812 $ 75,646 $ 71,743