| Schedule of aging of the amortized cost of loans receivable by loan category |
The following table presents the aging of the amortized cost of loans receivable by loan category as of the date stated: | | | | | | | | | | | | | | | | | | | | | March 31, 2026 | | | | | | 30-59 | | 60-89 | | 90 Days or | | | | | | | | | Current | | Days | | Days | | More Past Due | | | | | Total | | | Loans | | Past Due | | Past Due | | Still Accruing | | Nonaccrual | | Loans | | | | (in thousands) | Real estate loans: | | | | | | | | | | | | | | | | | | | One-to-four-family residential | | $ | 1,178,542 | | $ | 5,225 | | $ | 71 | | $ | — | | $ | 1,763 | | $ | 1,185,601 | Home equity | | | 153,511 | | | 533 | | | — | | | — | | | 1,673 | | | 155,717 | Commercial real estate | | | 1,911,674 | | | 60 | | | 80 | | | 12,654 | | | 394 | | | 1,924,862 | Multi-family residential | | | 538,164 | | | — | | | — | | | — | | | — | | | 538,164 | Construction and land development | | | 782,711 | | | — | | | — | | | — | | | 10 | | | 782,721 | Commercial and industrial | | | 1,102,974 | | | 351 | | | 876 | | | — | | | 38,885 | | | 1,143,086 | Consumer | | | 204,088 | | | 4,407 | | | 1,590 | | | — | | | 2,838 | | | 212,923 | Mortgage warehouse | | | 277,191 | | | — | | | — | | | — | | | — | | | 277,191 | Total | | $ | 6,148,855 | | $ | 10,576 | | $ | 2,617 | | $ | 12,654 | | $ | 45,563 | | $ | 6,220,265 |
| | | | | | | | | | | | | | | | | | | | | December 31, 2025 | | | | | | 30-59 | | 60-89 | | 90 Days or | | | | | | | | | Current | | Days | | Days | | More Past Due | | | | | Total | | | Loans | | Past Due | | Past Due | | Still Accruing | | Nonaccrual | | Loans | | | | (in thousands) | Real estate loans: | | | | | | | | | | | | | | | | | | | One-to-four-family residential | | $ | 1,166,731 | | $ | 7,232 | | $ | 481 | | $ | — | | $ | 2,712 | | $ | 1,177,156 | Home equity | | | 150,413 | | | 445 | | | 385 | | | — | | | 1,359 | | | 152,602 | Commercial real estate | | | 1,923,108 | | | 80 | | | — | | | — | | | 855 | | | 1,924,043 | Multi-family residential | | | 517,527 | | | — | | | — | | | — | | | — | | | 517,527 | Construction and land development | | | 730,563 | | | — | | | — | | | — | | | 10 | | | 730,573 | Commercial and industrial | | | 895,662 | | | 73,225 | | | 2,531 | | | — | | | 36,251 | | | 1,007,669 | Consumer | | | 194,595 | | | 4,665 | | | 2,022 | | | — | | | 2,215 | | | 203,497 | Mortgage Warehouse | | | 280,949 | | | — | | | — | | | — | | | — | | | 280,949 | Total | | $ | 5,859,548 | | $ | 85,647 | | $ | 5,419 | | $ | — | | $ | 43,402 | | $ | 5,994,016 |
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| Schedule of amortized cost of loans receivable by internal risk grade by year of origination |
The following table presents the amortized cost of loans receivable by internal risk grade by year of origination as of March 31, 2026. Also presented are current period gross charge-offs by loan type and vintage year for the three months ended March 31, 2026: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans Amortized Cost Basis by Origination Year (in thousands) | | | Risk Rating | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | Revolving Loans | | Total | One-to-Four-Family Residential | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 34,044 | | $ | 111,535 | | $ | 91,410 | | $ | 128,377 | | $ | 249,884 | | $ | 531,121 | | $ | 37,309 | | $ | 1,183,680 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | 1,793 | | | 128 | | | 1,921 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 34,044 | | $ | 111,535 | | $ | 91,410 | | $ | 128,377 | | $ | 249,884 | | $ | 532,914 | | $ | 37,437 | | $ | 1,185,601 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 56 | | $ | — | | $ | 56 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Home Equity | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | — | | $ | — | | $ | 494 | | $ | 245 | | $ | — | | $ | 761 | | $ | 152,543 | | $ | 154,043 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | 62 | | | 125 | | | — | | | 450 | | | 1,037 | | | 1,674 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | — | | $ | — | | $ | 556 | | $ | 370 | | $ | — | | $ | 1,211 | | $ | 153,580 | | $ | 155,717 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial Real Estate | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 38,914 | | $ | 315,912 | | $ | 163,071 | | $ | 270,371 | | $ | 340,981 | | $ | 597,223 | | $ | 72,775 | | $ | 1,799,247 | Special Mention | | 6 | | | — | | | — | | | 13,395 | | | 33,569 | | | 48,800 | | | 6,561 | | | — | | | 102,325 | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | 23,290 | | | — | | | 23,290 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 38,914 | | $ | 315,912 | | $ | 176,466 | | $ | 303,940 | | $ | 389,781 | | $ | 627,074 | | $ | 72,775 | | $ | 1,924,862 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Multi-Family | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 21,015 | | $ | 52,911 | | $ | 17,020 | | $ | 78,387 | | $ | 231,887 | | $ | 135,286 | | $ | 1,658 | | $ | 538,164 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 21,015 | | $ | 52,911 | | $ | 17,020 | | $ | 78,387 | | $ | 231,887 | | $ | 135,286 | | $ | 1,658 | | $ | 538,164 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Construction and Land Development | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 36,390 | | $ | 107,159 | | $ | 212,312 | | $ | 252,742 | | $ | 12,750 | | $ | 19,579 | | $ | 122,141 | | $ | 763,073 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | 19,638 | | | — | | | — | | | 19,638 | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | 10 | | | — | | | 10 | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 36,390 | | $ | 107,159 | | $ | 212,312 | | $ | 252,742 | | $ | 32,388 | | $ | 19,589 | | $ | 122,141 | | $ | 782,721 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial and Industrial | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 200,953 | | $ | 85,481 | | $ | 64,217 | | $ | 100,716 | | $ | 75,819 | | $ | 145,284 | | $ | 291,815 | | $ | 964,285 | Special Mention | | 6 | | | — | | | 13,628 | | | 465 | | | 1,156 | | | 9,034 | | | 10,823 | | | 94,719 | | | 129,825 | Substandard | | 7 | | | — | | | 9,500 | | | — | | | 3,519 | | | 16,183 | | | 13,403 | | | 6,362 | | | 48,967 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | 9 | | | — | | | — | | | 9 | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 200,953 | | $ | 108,609 | | $ | 64,682 | | $ | 105,391 | | $ | 101,045 | | $ | 169,510 | | $ | 392,896 | | $ | 1,143,086 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 7,072 | | $ | 5,298 | | $ | — | | $ | 12,370 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | Term Loans Amortized Cost Basis by Origination Year (in thousands) | | | Risk Rating | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior | | Revolving Loans | | Total | Consumer | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | 14,814 | | | 57,344 | | | 36,789 | | | 3,615 | | | 38,833 | | | 56,483 | | | 5,045 | | | 212,923 | Total | | | | $ | 14,814 | | $ | 57,344 | | $ | 36,789 | | $ | 3,615 | | $ | 38,833 | | $ | 56,483 | | $ | 5,045 | | $ | 212,923 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | 164 | | $ | 91 | | $ | 496 | | $ | 651 | | $ | 7 | | $ | 1,409 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Mortgage Warehouse | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 277,191 | | $ | 277,191 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 277,191 | | $ | 277,191 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total Loans | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 331,316 | | $ | 672,998 | | $ | 548,524 | | $ | 830,838 | | $ | 911,321 | | $ | 1,429,254 | | $ | 955,432 | | $ | 5,679,683 | Special Mention | | 6 | | | — | | | 13,628 | | | 13,860 | | | 34,725 | | | 77,472 | | | 17,384 | | | 94,719 | | | 251,788 | Substandard | | 7 | | | — | | | 9,500 | | | 62 | | | 3,644 | | | 16,183 | | | 38,936 | | | 7,527 | | | 75,852 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | 10 | | | — | | | 10 | Loss | | 9 | | | — | | | — | | | — | | | — | | | 9 | | | — | | | — | | | 9 | Loans not formally risk rated (1) | | | | | 14,814 | | | 57,344 | | | 36,789 | | | 3,615 | | | 38,833 | | | 56,483 | | | 5,045 | | | 212,923 | Total | | | | $ | 346,130 | | $ | 753,470 | | $ | 599,235 | | $ | 872,822 | | $ | 1,043,818 | | $ | 1,542,067 | | $ | 1,062,723 | | $ | 6,220,265 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | 164 | | $ | 91 | | $ | 7,568 | | $ | 6,005 | | $ | 7 | | $ | 13,835 |
(1) Consumer loans are not formally risk rated and included $2.8 million of loans on non-accrual as of March 31, 2026. The following table presents the amortized cost of loans receivable by internal risk grade by year of origination as of December 31, 2025. Also presented are current period gross charge-offs by loan type and vintage year for the three months ended December 31, 2025: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans Amortized Cost Basis by Origination Year (in thousands) | | | Risk Rating | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Revolving Loans | | Total | One-to-Four-Family Residential | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 109,894 | | $ | 99,901 | | $ | 133,211 | | $ | 252,202 | | $ | 230,200 | | $ | 310,541 | | $ | 38,849 | | $ | 1,174,798 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | — | | | — | | | 239 | | | 1,983 | | | 136 | | | 2,358 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 109,894 | | $ | 99,901 | | $ | 133,211 | | $ | 252,202 | | $ | 230,439 | | $ | 312,524 | | $ | 38,985 | | $ | 1,177,156 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Home Equity | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | — | | $ | 481 | | $ | 245 | | $ | — | | $ | — | | $ | 919 | | $ | 149,598 | | $ | 151,243 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | 62 | | | 125 | | | — | | | — | | | — | | | 1,172 | | | 1,359 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | — | | $ | 543 | | $ | 370 | | $ | — | | $ | — | | $ | 919 | | $ | 150,770 | | $ | 152,602 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial Real Estate | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 277,427 | | $ | 176,824 | | $ | 268,778 | | $ | 350,792 | | $ | 166,603 | | $ | 443,438 | | $ | 109,330 | | $ | 1,793,192 | Special Mention | | 6 | | | — | | | 12,654 | | | 33,785 | | | 49,323 | | | 4,277 | | | 6,918 | | | — | | | 106,957 | Substandard | | 7 | | | — | | | — | | | — | | | 457 | | | — | | | 23,437 | | | — | | | 23,894 | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 277,427 | | $ | 189,478 | | $ | 302,563 | | $ | 400,572 | | $ | 170,880 | | $ | 473,793 | | $ | 109,330 | | $ | 1,924,043 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | 18 | | $ | — | | $ | — | | $ | — | | $ | 18 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Multi-Family | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 51,330 | | $ | 17,220 | | $ | 79,309 | | $ | 232,302 | | $ | 29,510 | | $ | 106,112 | | $ | 1,744 | | $ | 517,527 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 51,330 | | $ | 17,220 | | $ | 79,309 | | $ | 232,302 | | $ | 29,510 | | $ | 106,112 | | $ | 1,744 | | $ | 517,527 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Construction and Land Development | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 95,751 | | $ | 212,670 | | $ | 256,764 | | $ | 13,536 | | $ | 16,138 | | $ | 3,466 | | $ | 99,857 | | $ | 698,182 | Special Mention | | 6 | | | — | | | — | | | — | | | 32,381 | | | — | | | — | | | — | | | 32,381 | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | 10 | | | — | | | 10 | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 95,751 | | $ | 212,670 | | $ | 256,764 | | $ | 45,917 | | $ | 16,138 | | $ | 3,476 | | $ | 99,857 | | $ | 730,573 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial and Industrial | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 72,148 | | $ | 65,844 | | $ | 99,436 | | $ | 91,265 | | $ | 106,858 | | $ | 61,608 | | $ | 387,604 | | $ | 884,763 | Special Mention | | 6 | | | — | | | 1,696 | | | 2,262 | | | 12,851 | | | 10,417 | | | 4,306 | | | 45,454 | | | 76,986 | Substandard | | 7 | | | 9,500 | | | — | | | 2,437 | | | 13,835 | | | 4,878 | | | 8,776 | | | 6,389 | | | 45,815 | Doubtful | | 8 | | | — | | | — | | | — | | | 105 | | | — | | | — | | | — | | | 105 | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | 81,648 | | $ | 67,540 | | $ | 104,135 | | $ | 118,056 | | $ | 122,153 | | $ | 74,690 | | $ | 439,447 | | $ | 1,007,669 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 3,762 | | $ | — | | $ | 3,762 | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | Term Loans Amortized Cost Basis by Origination Year (in thousands) | | | Risk Rating | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Revolving Loans | | Total | Consumer | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | 56,733 | | | 40,589 | | | 3,775 | | | 41,676 | | | 36,574 | | | 20,694 | | | 3,456 | | | 203,497 | Total | | | | $ | 56,733 | | $ | 40,589 | | $ | 3,775 | | $ | 41,676 | | $ | 36,574 | | $ | 20,694 | | $ | 3,456 | | $ | 203,497 | Current period gross charge-offs | | | | $ | 144 | | $ | — | | $ | 43 | | $ | 732 | | $ | 374 | | $ | 24 | | $ | 7 | | $ | 1,324 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Mortgage Warehouse | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 280,949 | | $ | 280,949 | Special Mention | | 6 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | 7 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | 8 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 280,949 | | $ | 280,949 | Current period gross charge-offs | | | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total Loans | | | | | | | | | | | | | | | | | | | | | | | | | | | Grade: | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | 1-5 | | $ | 606,550 | | $ | 572,940 | | $ | 837,743 | | $ | 940,097 | | $ | 549,309 | | $ | 926,084 | | $ | 1,067,931 | | $ | 5,500,654 | Special Mention | | 6 | | | — | | | 14,350 | | | 36,047 | | | 94,555 | | | 14,694 | | | 11,224 | | | 45,454 | | | 216,324 | Substandard | | 7 | | | 9,500 | | | 62 | | | 2,562 | | | 14,292 | | | 5,117 | | | 34,196 | | | 7,697 | | | 73,426 | Doubtful | | 8 | | | — | | | — | | | — | | | 105 | | | — | | | 10 | | | — | | | 115 | Loss | | 9 | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Loans not formally risk rated (1) | | | | | 56,733 | | | 40,589 | | | 3,775 | | | 41,676 | | | 36,574 | | | 20,694 | | | 3,456 | | | 203,497 | Total | | | | $ | 672,783 | | $ | 627,941 | | $ | 880,127 | | $ | 1,090,725 | | $ | 605,694 | | $ | 992,208 | | $ | 1,124,538 | | $ | 5,994,016 | Current period gross charge-offs | | | | $ | 144 | | $ | — | | $ | 43 | | $ | 750 | | $ | 374 | | $ | 3,786 | | $ | 7 | | $ | 5,104 |
(1) Consumer loans are not formally risk rated and included $2.2 million of loans on non-accrual as of December 31, 2025.
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