v3.26.1
LOANS AND ALLOWANCE FOR CREDIT LOSSES (Credit Quality Indicator) (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Dec. 31, 2025
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 $ 810,278   $ 3,034,712
2025/2024 2,573,058   1,275,709
2024/2023 1,154,302   856,666
2023/2022 753,338   689,067
2022/2021 643,118   279,598
2021/2020 & Prior 454,762   195,033
Revolving 676,272   497,968
Total loans 7,065,128   6,828,753
Charge-offs      
2022/2021     3,827
2021/2020 & Prior 12,455   262
Total loans 12,455 $ 118 4,089
Current      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 6,976,361   6,738,587
Past Due      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 88,767   90,166
Commercial and industrial      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 65,666   144,522
2025/2024 62,957   138,733
2024/2023 70,021   54,113
2023/2022 17,023   101,345
2022/2021 85,826   16,377
2021/2020 & Prior 8,185   2,372
Revolving 593,144   414,190
Total loans 902,822   871,652
Charge-offs      
2021/2020 & Prior 4,329    
Total loans 4,329    
Commercial and industrial | Current      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 897,768   862,463
Commercial and industrial | Past Due      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 5,054   9,189
Consumer      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2021/2020 & Prior 9,757   10,349
Total loans 9,757   10,349
Charge-offs      
2021/2020 & Prior 153   262
Total loans 153 $ 118 262
Consumer | Current      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2021/2020 & Prior 9,757   10,231
Total loans 9,757   10,231
Consumer | Past Due      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2021/2020 & Prior     118
Total loans     118
Real Estate      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 6,152,549   5,946,752
Commercial      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 647,677   2,537,770
2025/2024 2,263,060   1,051,681
2024/2023 989,806   675,773
2023/2022 632,327   548,079
2022/2021 517,861   202,359
2021/2020 & Prior 332,711   135,336
Revolving 50,426   50,491
Total loans 5,433,868   5,201,489
Charge-offs      
2021/2020 & Prior 7,973    
Total loans 7,973    
Commercial | Real Estate      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 5,433,868   5,201,489
Charge-offs      
Total loans 7,973    
Commercial | Real Estate | Current      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 5,396,524   5,168,680
Commercial | Real Estate | Past Due      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 37,344   32,809
Construction      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 23,197   129,806
2025/2024 90,986   49,898
2024/2023 65,863   51,484
2023/2022 28,794    
Revolving 30,616   30,616
Total loans 239,456   261,804
Construction | Real Estate      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 239,456   261,804
Construction | Real Estate | Current      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 239,456   261,804
Multi-family      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 73,738   222,614
2025/2024 156,055   35,398
2024/2023 28,612   30,296
2023/2022 30,194   36,451
2022/2021 36,304   60,650
2021/2020 & Prior 66,713   8,930
Revolving 2,086   2,671
Total loans 393,702   397,010
Multi-family | Real Estate      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 393,702   397,010
Charge-offs      
2022/2021     3,827
Total loans     3,827
Multi-family | Real Estate | Current      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 349,749   352,656
Multi-family | Real Estate | Past Due      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 43,953   44,354
One-to-four-family      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2024/2023     45,000
2023/2022 45,000   3,192
2022/2021 3,127   211
2021/2020 & Prior 37,396   38,046
Total loans 85,523   86,449
One-to-four-family | Current      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2024/2023     45,000
2023/2022 45,000   3,192
2022/2021 3,127   211
2021/2020 & Prior 34,980   35,596
Total loans 83,107   83,999
One-to-four-family | Past Due      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2021/2020 & Prior 2,416    
Total loans 2,416    
One-to-four-family | Real Estate      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 85,523   86,449
One-to-four-family | Real Estate | Current      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 83,107   82,753
One-to-four-family | Real Estate | Past Due      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
Total loans 2,416   3,696
Pass      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 783,345   2,944,696
2025/2024 2,479,540   1,251,680
2024/2023 1,130,073   849,023
2023/2022 749,498   644,099
2022/2021 596,405   269,543
2021/2020 & Prior 448,865   192,465
Revolving 666,273   482,783
Total loans 6,853,999   6,634,289
Pass | Commercial and industrial      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 64,200   130,514
2025/2024 50,619   138,733
2024/2023 69,821   46,470
2023/2022 13,183   80,377
2022/2021 64,858   16,377
2021/2020 & Prior 8,185   2,372
Revolving 583,145   399,005
Total loans 854,011   813,848
Pass | Commercial      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 622,210   2,514,770
2025/2024 2,236,658   1,030,181
2024/2023 968,306   675,773
2023/2022 632,327   524,079
2022/2021 493,861   192,304
2021/2020 & Prior 330,629   135,336
Revolving 50,426   50,491
Total loans 5,334,417   5,122,934
Pass | Construction      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 23,197   129,806
2025/2024 90,986   49,898
2024/2023 65,863   51,484
2023/2022 28,794    
Revolving 30,616   30,616
Total loans 239,456   261,804
Pass | Multi-family      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 73,738   169,606
2025/2024 101,277   32,869
2024/2023 26,083   30,296
2023/2022 30,194   36,451
2022/2021 34,559   60,650
2021/2020 & Prior 65,314   8,930
Revolving 2,086   2,671
Total loans 333,251   341,473
Special Mention      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 25,467   32,463
2025/2024 37,694   21,500
2024/2023 21,700    
2022/2021 1,745   1,246
2021/2020 & Prior 1,399    
Total loans 88,005   55,209
Special Mention | Commercial and industrial      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2024/2023 200    
Total loans 200    
Special Mention | Commercial      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 25,467   19,525
2025/2024 22,941   21,500
2024/2023 21,500    
2022/2021     1,246
Total loans 69,908   42,271
Special Mention | Multi-family      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025     12,938
2025/2024 14,753    
2022/2021 1,745    
2021/2020 & Prior 1,399    
Total loans 17,897   12,938
Substandard      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 1,466   57,553
2025/2024 55,824   2,529
2024/2023 2,529   7,643
2023/2022 3,840   44,968
2022/2021 44,968   8,809
2021/2020 & Prior 4,498   2,568
Revolving 9,999   15,185
Total loans 123,124   139,255
Substandard | Commercial and industrial      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025 1,466   14,008
2025/2024 12,338    
2024/2023     7,643
2023/2022 3,840   20,968
2022/2021 20,968    
Revolving 9,999   15,185
Total loans 48,611   57,804
Substandard | Commercial      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025     3,475
2025/2024 3,461    
2023/2022     24,000
2022/2021 24,000   8,809
2021/2020 & Prior 2,082    
Total loans 29,543   36,284
Substandard | Multi-family      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2026/2025     40,070
2025/2024 40,025   2,529
2024/2023 2,529    
Total loans $ 42,554   42,599
Substandard | One-to-four-family      
LOANS AND ALLOWANCE FOR CREDIT LOSSES      
2021/2020 & Prior     2,450
Total loans     $ 2,450