Pacific Premier Bancorp (PPBI) 10-Q 6 May 22 2022 Q1 Quarterly report Financial data

Cover

Cover - shares	3 Months Ended
	Mar. 31, 2022	Apr. 29, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
Document Transition Report	false
Entity File Number	0-22193
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	33-0743196
Entity Address, Address Line One	17901 Von Karman Avenue
Entity Address, Address Line Two	Suite 1200
Entity Address, City or Town	Irvine
Entity Address, State or Province	CA
Entity Address, Postal Zip Code	92614
City Area Code	949
Local Phone Number	864-8000
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	PPBI
Security Exchange Name	NASDAQ
Entity Common Stock, Shares Outstanding		94,930,357
Entity Registrant Name	PACIFIC PREMIER BANCORP INC
Entity Central Index Key	0001028918
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q1

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 147,763	$ 83,150
Interest-bearing deposits with financial institutions	661,496	221,553
Cash and cash equivalents	809,259	304,703
Interest-bearing time deposits with financial institutions	2,216	2,216
Investments held-to-maturity, at amortized cost, net of allowance for credit losses of $41 and $22 (fair value of $886,050 and $384,423) at March 31, 2022 and December 31, 2021, respectively	996,382	381,674
Investment securities available-for-sale, at fair value	3,222,095	4,273,864
FHLB, FRB, and other stock, at cost	116,973	117,538
Loans held for sale, at lower of cost or fair value	11,646	10,869
Loans held for investment	14,733,755	14,295,897
Allowance for credit losses	(197,517)	(197,752)
Loans held for investment, net	14,536,238	14,098,145
Accrued interest receivable	60,922	65,728
Premises and equipment	70,453	71,908
Deferred income taxes, net	133,938	87,344
Bank owned life insurance	451,968	449,353
Intangible assets	65,978	69,571
Goodwill	901,312	901,312
Other assets	242,916	260,204
Total assets	21,622,296	21,094,429
Deposit accounts:
Noninterest-bearing checking	7,106,548	6,757,259
Interest-bearing:
Checking	3,679,067	3,493,331
Money market/savings	5,872,597	5,806,726
Retail certificates of deposit	1,031,011	1,058,273
Total interest-bearing	10,582,675	10,358,330
Total deposits	17,689,223	17,115,589
FHLB advances and other borrowings	600,000	558,000
Subordinated debentures	330,726	330,567
Accrued expenses and other liabilities	219,329	203,962
Total liabilities	18,839,278	18,208,118
STOCKHOLDERS’ EQUITY
Preferred stock, $0.01 par value; 1,000,000 authorized; none issued and outstanding	0	0
Common stock, $0.01 par value; 150,000,000 shares authorized at March 31, 2022 and December 31, 2021; 94,945,849 shares and 94,389,543 shares issued and outstanding, respectively	933	929
Additional paid-in capital	2,348,727	2,351,294
Retained earnings	577,591	541,950
Accumulated other comprehensive loss	(144,233)	(7,862)
Total stockholders’ equity	2,783,018	2,886,311
Total liabilities and stockholders’ equity	$ 21,622,296	$ 21,094,429

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
Investments held-to-maturity, allowance for credit losses	$ (41)	$ (22)
Investments held-to-maturity, fair value	$ 886,050	$ 384,423
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	150,000,000	150,000,000
Common stock, shares issued (in shares)	94,945,849	94,389,543
Common stock, shares outstanding (in shares)	94,945,849	94,389,543

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
INTEREST INCOME
Loans	$ 150,604	$ 157,418	$ 155,225
Investment securities and other interest-earning assets	17,942	19,588	17,769
Total interest income	168,546	177,006	172,994
INTEREST EXPENSE
Deposits	1,673	1,694	4,426
FHLB advances and other borrowings	474	33	65
Subordinated debentures	4,560	4,560	6,851
Total interest expense	6,707	6,287	11,342
Net interest income before provision for credit losses	161,839	170,719	161,652
Provision for credit losses	448	(14,648)	1,974
Net interest income after provision for credit losses	161,391	185,367	159,678
NONINTEREST INCOME
Loan servicing income	419	505	458
Earnings on bank owned life insurance	3,221	3,521	2,233
Net gain from sales of loans	1,494	1,334	361
Net gain from sales of investment securities	2,134	3,585	4,046
Other income	1,568	754	4,602
Total noninterest income	25,894	27,281	23,740
NONINTEREST EXPENSE
Compensation and benefits	56,981	56,076	52,548
Premises and occupancy	11,952	11,403	11,980
Data processing	5,996	5,881	5,828
FDIC insurance premiums	1,396	1,389	1,181
Legal and professional services	4,068	5,870	3,935
Marketing expense	1,809	1,821	1,598
Office expense	1,203	1,463	1,829
Loan expense	1,134	857	1,115
Deposit expense	3,751	3,836	3,859
Merger-related expense	0	0	5
Amortization of intangible assets	3,592	3,880	4,143
Other expense	5,766	4,776	4,468
Total noninterest expense	97,648	97,252	92,489
Net income before income taxes	89,637	115,396	90,929
Income tax expense	22,733	30,565	22,261
Net income	$ 66,904	$ 84,831	$ 68,668
EARNINGS PER SHARE
Basic (in dollars per share)	$ 0.71	$ 0.90	$ 0.73
Diluted (in dollars per share)	$ 0.70	$ 0.89	$ 0.72
WEIGHTED AVERAGE SHARES OUTSTANDING
Basic (in shares)	93,499,695	93,415,304	93,529,147
Diluted (in shares)	93,946,074	93,906,491	94,093,644
Service charges on deposit accounts
NONINTEREST INCOME
Noninterest income	$ 2,615	$ 2,590	$ 2,032
Other service fee income
NONINTEREST INCOME
Noninterest income	367	391	473
Debit card interchange fee income
NONINTEREST INCOME
Noninterest income	836	769	787
Trust custodial account fees
NONINTEREST INCOME
Noninterest income	11,579	11,611	7,222
Escrow and exchange fees
NONINTEREST INCOME
Noninterest income	$ 1,661	$ 2,221	$ 1,526

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income		$ 66,904	$ 84,831	$ 68,668
Other comprehensive loss, net of tax:
Unrealized loss on securities available-for-sale arising during the period, net of income taxes	[1]	(118,591)	(4,176)	(72,592)
Reclassification adjustment for net gain on sales of securities included in net income, net of income taxes	[2]	(1,525)	(2,562)	(2,889)
Net unrealized loss on securities transferred from available-for-sale to held-to-maturity, net of income taxes	[3]	(16,558)	(2,415)	0
Amortization of unrealized loss on securities transferred from available-for-sale to held-to-maturity, net of income taxes	[4]	303	115	0
Other comprehensive loss, net of tax		(136,371)	(9,038)	(75,481)
Comprehensive (loss) income, net of tax		$ (69,467)	$ 75,793	$ (6,813)
[1]	Income tax (benefit) of the unrealized loss on securities was $(47.4) million, $(1.7) million, and $(29.1) million for the three months ended March 31, 2022, December 31, 2021, and March 31, 2021, respectively.
[2]	Income tax expense on the reclassification adjustment for net gain on sales of securities included in net income was $609,000, $1.0 million, and $1.2 million for the three months ended March 31, 2022, December 31, 2021, and March 31, 2021, respective.
[3]	Income tax (benefit) on the unrealized loss on securities transferred from available-for-sale to held-to maturity was $(6.6) million and $(968,000) for the three months ended March 31, 2022 and December 31, 2021, respectively.
[4]	Income tax expense on the amortization of unrealized loss on securities transferred from available-for-sale to held-to maturity included in net income was $121,000 and $46,000 for the three months ended March 31, 2022 and December 31, 2021, respectively.

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Statement of Comprehensive Income [Abstract]
Unrealized holding gain (loss) on securities arising during the period, income tax expense (benefit)	$ (47,400)	$ (1,700)	$ (29,100)
Reclassification adjustment for net (gains) losses on sale of securities included in net income, income tax expense (benefit)	609	1,000	$ 1,200
Unrealized loss on securities transferred from available-for-sale to held-to maturity, income tax (benefit)	(6,600)	(968)
Amortization of unrealized loss on securities transferred from available-for-sale to held-to-maturity, income tax expense (benefit)	$ 121	$ 46

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Accumulated Retained Earnings	Accumulated Other Comprehensive Income (Loss)
Balance at beginning of period (in shares) at Dec. 31, 2020		94,483,136
Balance at beginning of period at Dec. 31, 2020	$ 2,746,649	$ 931	$ 2,354,871	$ 330,555	$ 60,292
Increase (Decrease) in Stockholders' Equity
Net income	68,668			68,668
Other comprehensive loss	(75,481)				(75,481)
Repurchase and retirement of common stock (in shares)		(199,674)
Repurchase and retirement of common stock	(6,897)	$ (2)	(4,977)	(1,918)
Cash dividends declared	(28,287)			(28,287)
Dividend equivalents declared	0		107	(107)
Share-based compensation expense	3,105		3,105
Issuance of restricted stock, net (in shares)		419,757
Issuance of restricted stock, net	0	$ 2	(2)
Restricted stock surrendered and canceled (in shares)		(100,550)
Restricted stock surrendered and canceled	(5,279)		(5,279)
Exercise of stock options (in shares)		41,746
Exercise of stock options	620		620
Balance at end of period (in shares) at Mar. 31, 2021		94,644,415
Balance at end of period at Mar. 31, 2021	$ 2,703,098	$ 931	2,348,445	368,911	(15,189)
Balance at beginning of period (in shares) at Dec. 31, 2021	94,389,543	94,389,543
Balance at beginning of period at Dec. 31, 2021	$ 2,886,311	$ 929	2,351,294	541,950	(7,862)
Increase (Decrease) in Stockholders' Equity
Net income	66,904			66,904
Other comprehensive loss	(136,371)				(136,371)
Cash dividends declared	(31,142)			(31,142)
Dividend equivalents declared	0		121	(121)
Share-based compensation expense	5,530		5,530
Issuance of restricted stock, net (in shares)		714,783
Issuance of restricted stock, net	0	$ 4	(4)
Restricted stock surrendered and canceled (in shares)		(175,219)
Restricted stock surrendered and canceled	(8,548)		(8,548)
Exercise of stock options (in shares)		16,742
Exercise of stock options	$ 334		334
Balance at end of period (in shares) at Mar. 31, 2022	94,945,849	94,945,849
Balance at end of period at Mar. 31, 2022	$ 2,783,018	$ 933	$ 2,348,727	$ 577,591	$ (144,233)

CONSOLIDATED STATEMENTS OF ST_2

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Stockholders' Equity [Abstract]
Cash dividends declared (in dollars per share)	$ 0.33	$ 0.30
Dividend equivalents declared (in dollars per share)	$ 0.33	$ 0.30

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Cash flows from operating activities:
Net income	$ 66,904	$ 84,831	$ 68,668
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization expense	3,726		4,009
Provision for credit losses	448	(14,648)	1,974
Share-based compensation expense	5,530		3,105
Loss on sales and disposals of premises and equipment	37		7
Net amortization on securities	5,023		5,983
Net (accretion) of discounts/premiums for acquired loans and deferred loan fees/costs	(7,353)		(10,833)
Gain on sales of investment securities available-for-sale	(2,134)		(4,046)
Loss on debt extinguishment	0		503
Gain on sales of loans	(1,494)		(361)
Deferred income tax expense	7,887		14,650
Income from bank owned life insurance, net	(2,617)		(1,675)
Amortization of intangible assets	3,592	3,880	4,143
Originations of loans held-for-sale	(18,769)		(7,768)
Proceeds from the sales of and principal payments from loans held-for-sale	19,486		970
Change in accrued expenses and other liabilities, net	15,207		(34,203)
Change in accrued interest receivable and other assets, net	36,904		60,176
Net cash provided by operating activities	132,377		105,302
Cash flows from investing activities:
Net decrease in interest-bearing time deposits with financial institutions	0		137
Loan originations and payments, net	(430,951)		128,540
Proceeds from loans held-for-sale previously classified as portfolio loans	0		449
Proceeds from prepayments and maturities of securities held-to-maturity	3,750		1,807
Purchase of securities available-for-sale	(499,168)		(364,542)
Proceeds from prepayments and maturities of securities available-for-sale	77,817		162,568
Proceeds from sales of securities available-for-sale	647,557		179,386
Proceeds from the sales of premises and equipment	0		4
Proceeds from surrender of bank owned life insurance	0		1,307
Purchase of premises and equipment	(2,308)		(1,465)
Change in FHLB, FRB, and other stock, at cost	(95)		(202)
Funding of CRA investments, net	(701)		(3,873)
Net cash (used in) provided by investing activities	(204,099)		104,116
Cash flows from financing activities:
Net increase in deposit accounts	573,634		525,830
Net change in short-term borrowings	(358,000)		0
Proceeds from long-term borrowings	400,000		0
Repayments of long-term borrowings	0		(21,503)
Cash dividends paid	(31,142)		(28,287)
Repurchase and retirement of common stock	0		(6,897)
Proceeds from exercise of stock options	334		620
Restricted stock surrendered and canceled	(8,548)		(5,279)
Net cash provided by financing activities	576,278		464,484
Net increase in cash and cash equivalents	504,556		673,902
Cash and cash equivalents, beginning of period	304,703		880,766
Cash and cash equivalents, end of period	809,259	$ 304,703	1,554,668
Supplemental cash flow disclosures:
Interest paid	3,927		10,890
Income taxes (refunded) paid, net	(11,944)		77
Noncash investing activities during the period:
Transfers of investment securities from available-for-sale to held-to-maturity	618,678		0
Recognition of operating lease right-of-use assets	(459)		0
Recognition of operating lease liabilities	459		0
Receivable on unsettled security sales	13,464		0
Due on unsettled security purchases	$ 0		$ (11,286)

Basis of Presentation

Basis of Presentation	3 Months Ended
	Mar. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation	Basis of Presentation The consolidated financial statements include the accounts of Pacific Premier Bancorp, Inc. (the “Corporation”) and its wholly owned subsidiaries, including Pacific Premier Bank (the “Bank”) (collectively, the “Company,” “we,” “our,” or “us”). All significant intercompany accounts and transactions have been eliminated in consolidation. In the opinion of management, the unaudited consolidated financial statements reflect all normal recurring adjustments and accruals that are necessary for a fair presentation of the statement of financial position and the results of operations for the interim periods presented. The results of operations for the three months ended March 31, 2022 are not necessarily indicative of the results that may be expected for any other interim period or the full year ending December 31, 2022. Certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”). The unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021 (the “2021 Form 10-K”). The Company consolidates voting entities in which the Company has control through voting interests or entities through which the Company has a controlling financial interest in a variable interest entity (“VIE”). The Company evaluates its interests in these entities to determine whether they meet the definition of a VIE and whether the Company is required to consolidate these entities. A VIE is consolidated by its primary beneficiary, which is the party that has both (i) the power to direct the activities that most significantly impact the economic performance of the VIE and (ii) a variable interest that could potentially be significant to the VIE. To determine whether or not a variable interest the Company holds could potentially be significant to the VIE, the Company considers both qualitative and quantitative factors regarding the nature, size, and form of the Company's involvement with the VIE. See Note 15 – Variable Interest Entities for additional information.

Recently Issued Accounting Pron

Recently Issued Accounting Pronouncements	3 Months Ended
	Mar. 31, 2022
Accounting Standards Update and Change in Accounting Principle [Abstract]
Recently Issued Accounting Pronouncements	Recently Issued Accounting Pronouncements Recent Accounting Guidance Not Yet Effective In March 2022, the FASB issued Accounting Standards Update (“ASU”) 2022-02, Financial Instruments - Credit Losses (Topic 326) Troubled Debt Restructurings and Vintage Disclosures . The FASB issued this Update in response to feedback the FASB received from various stakeholders in its post-implementation review process related to the issuance of ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, which was effective for the Company on January 1, 2020. The amendments in this Update include the elimination of accounting guidance for troubled debt restructurings in Subtopic 310-40 - Receivables - Troubled Debt Restructurings by Creditors , and introduce new disclosures and enhance existing disclosures concerning certain loan refinancings and restructurings when a borrower is experiencing financial difficulty. Rather than applying the recognition and measurement guidance of troubled debt restructurings (“TDRs”), an entity must determine whether a modification results in a new loan or the continuation of an existing loan. Further, the amendments in this Update require that a public business entity disclose current period gross charge-offs on financing receivables within the scope of ASC 326-20, Financial Instruments - Credit Losses - Measured at Amortized Cost , by year of origination and class of financing receivable. The amendments in this Update are effective for the Company in fiscal years beginning after December 15, 2022, as well as interim periods within those years. Early adoption is permitted. The amendments in this Update are to be applied prospectively. However, for the transition method related to the recognition and measurement of TDRs, an entity has the option to apply a modified retrospective transition method, resulting in a cumulative effect adjustment to the opening balance of retained earnings in the period of adoption. The Company is currently evaluating the impact of this Update on the Company’s consolidated financial statements. In March 2022, the FASB issued ASU 2022-01, Derivatives and Hedging (Topic 815) Fair Value Hedging - Portfolio Layer Method . The amendments in this Update make targeted improvements to fair value hedge accounting and more specifically to the last-of-layer hedge accounting method. This Update expands the last-of-layer hedge accounting method to allow for multiple hedged layers to be designated for a single closed portfolio of prepayable financial assets, and renames this accounting method the “portfolio layer method.” The provisions of this Update also include: (i) expanding the scope of the portfolio layer method to nonprepayable financial assets, (ii) specifying that eligible hedging instruments in a single layer hedge may include spot-starting or forward-starting constant-notional or amortizing-notional swaps and that the number of hedged layers corresponds with the number of hedges designated, (iii) specifies that an entity hedging multiple amounts in a closed portfolio using a single amortizing-notional swap is executing a single-layer hedge, (iv) provides additional guidance on the accounting for and disclosure of hedge basis adjustments resulting from a fair value hedge under the portfolio layer method by requiring such basis adjustments be maintained at the portfolio level and not allocated to individual assets, and to disclose basis adjustments as a reconciling item in certain disclosures, such as those for loans, and (v) specifies that an entity is to exclude hedge basis adjustments in the determination of credit losses on the assets within the closed portfolio. The provisions of this Update are effective for the Company in fiscal years beginning after December 15, 2022, as well as interim periods within those years. Early adoption is permitted. Entities may designate multiple layer hedges only on a prospective basis upon the adoption of this Update. The provisions of this Update that relate to hedge basis adjustments, except for those related to disclosure, are to be applied on a modified retrospective basis through a cumulative effect adjustment to the opening balance of retained earnings in the period of adoption. The provisions of this Update that relate to disclosure may be applied on a prospective basis or on a retrospective basis to each prior period presented. The Company is currently evaluating the impact of this Update on the Company’s consolidated financial statements. In October 2021, the FASB issued ASU 2021-08, Business Combinations - Accounting for Contract Assets and Contract Liabilities from Contracts with Customers . The amendments in this Update address how to determine whether a contract liability is recognized by an acquirer in a business combination. In addition, the Update addresses inconsistencies in the recognition and measurement of acquired contract assets and contract liabilities from revenue contracts in a business combination. The amendments in this Update are effective for the Company in fiscal years beginning after December 15, 2022, as well as all interim periods within those years. Early adoption is permitted. An entity that early adopts in an interim period should apply the amendments (1) retrospectively to all business combinations for which the acquisition date occurs on or after the beginning of the fiscal year that includes the interim period of early application, and (2) prospectively to all business combinations that occur on or after the date of initial application. The Company has not yet adopted the provisions of this Update. The Company does not currently anticipate the adoption of this Update will have a material impact on the Company’s consolidated financial statements. In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848) — Facilitation of the Effects of Reference Rate Reform on Financial Reporting . In response to concerns about structural risks of Interbank Offered Rates (“IBORs”), and particularly, the risk of cessation of the London Interbank Offered Rate (“LIBOR”), regulators around the world have undertaken reference rate reform initiatives to identify alternative reference rates that are more observable or transaction-based and less susceptible to manipulation. The amendments in this Update provide optional guidance for a limited time to ease the potential burden in accounting for (or recognizing the effects of) reference rate reform on financial reporting as well as optional expedients and exceptions for applying GAAP to contracts, hedging relationships, and other transactions affected by reference rate reform if certain criteria are met. The amendments in this Update apply only to contracts and hedging relationships that reference LIBOR or another reference rate expected to be discontinued due to reference rate reform. The expedients and exceptions provided by the amendments do not apply to contract modifications made and hedging relationships entered into or evaluated after December 31, 2022. The amendments in this Update are elective and became effective upon issuance for all entities. An entity may elect to apply the amendments for contract modifications by Topic or Industry Subtopic as of any date from the beginning of an interim period that includes or is subsequent to March 12, 2020, or prospectively from a date within an interim period that includes or is subsequent to March 12, 2020, up to the date that the financial statements are available to be issued. Once elected for a Topic or an Industry Subtopic, the amendments in this Update must be applied prospectively for all eligible contract modifications for that Topic or Industry Subtopic. The Company has not yet made a determination on whether it will make this election and is currently tracking the exposure as of each reporting period and assessing the significance of impact towards implementing any necessary modification in consideration of the election of this amendment. An entity may elect to apply the amendments in this Update to eligible hedging relationships existing as of the beginning of the interim period that includes March 12, 2020 and to new eligible hedging relationships entered into after the beginning of the interim period that includes March 12, 2020. The Company has not entered into any hedging related transactions that reference LIBOR or another reference rate that is expected to be discontinued, and as such, the amendments included in this Update have not had an impact on the Company’s Consolidated Financial Statements.

Significant Accounting Policies

Significant Accounting Policies	3 Months Ended
	Mar. 31, 2022
Accounting Policies [Abstract]
Significant Accounting Policies	Significant Accounting Policies Our accounting policies are described in Note 1. Description of Business and Summary of Significant Accounting Policies , of our audited consolidated financial statements included in our 2021 Form 10-K. Select policies have been reiterated below that have a particular affiliation to our interim financial statements. Securities. The Company has established written guidelines and objectives for its investing activities. At the time of purchase, management designates the security as either held-to-maturity, available-for-sale, or held for trading based on the Company’s investment objectives, operational needs, and intent. The investments are monitored to ensure that those activities are consistent with the established guidelines and objectives. Securities Held-to-Maturity (“HTM”). Investments in debt securities that management has the positive intent and ability to hold to maturity are reported at cost and adjusted for periodic principal payments and the amortization of premiums and accretion of discounts, which are recognized in interest income using the interest method over the period of time remaining to investment’s maturity. The Company accounts for transfers of debt securities from available-for-sale classification to held-to-maturity classification at fair value on the transfer date. Any associated unrealized gains or losses on such securities become part of the security’s amortized cost at the time of transfer and are subsequently amortized or accreted into interest income over the remaining life of the security using the interest method. In addition, the related unrealized gains and losses included in accumulated other comprehensive income on the date of transfer are also subsequently amortized or accreted into interest income over the remaining life of the security using the interest method. Securities Available-for-Sale (“AFS”). Investments in debt securities that management has no immediate plan to sell, but which may be sold in the future, are carried at fair value. Premiums and discounts are amortized using the interest method over the remaining period to the call date for premiums or contractual maturity for discounts and, in the case of mortgage-backed securities, the estimated average life, which can fluctuate based on the anticipated prepayments on the underlying collateral of the securities. Unrealized holding gains and losses, net of tax, are recorded in accumulated other comprehensive income. Realized gains and losses on the sales of securities are determined on the specific identification method, recorded on a trade date basis based on the amortized cost basis of the specific security and are included in noninterest income as net gain (loss) on investment securities. Allowance for Credit Losses on Investment Securities . The allowance for credit losses (“ACL”) on investment securities is determined for both the HTM and AFS classifications of the investment portfolio in accordance with the guidance ASC 326. The ACL for investment securities is evaluated on a quarterly basis. The ACL for HTM investment securities is recorded at the time of purchase or acquisition, representing the Company’s best estimate of current expected credit losses (“CECL”) as of the date for the consolidated statements of financial condition. The ACL for HTM investment securities is determined on a collective basis, based on shared risk characteristics, and is determined at the individual security level when the Company deems a security to no longer possess shared risk characteristics. For investment securities where the Company has reason to believe the credit loss exposure is remote, such as those guaranteed by the U.S. government or other government enterprises, a zero credit loss assumption is applied. For available-for-sale investment securities, the Company performs a qualitative evaluation for securities in an unrealized loss position to determine if, for those investments in an unrealized loss position, the decline in fair value is credit related or non-credit related. In determining whether a security’s decline in fair value is credit related, the Company considers a number of factors including, but not limited to: (i) the extent to which the fair value of the investment is less than its amortized cost; (ii) the financial condition and near-term prospects of the issuer; (iii) downgrades in credit ratings, (iv) payment structure of the security, (v) the ability of the issuer of the security to make scheduled principal and interest payments, and (vi) general market conditions which reflect prospects for the economy as a whole, including interest rates and sector credit spreads. If it is determined that the unrealized loss, or a portion thereof, is credit related, the Company records the amount of credit loss through a charge to provision for credit losses in current period earnings. However, the amount of credit loss recorded in current period earnings is limited to the amount of the total unrealized loss on the security, which is measured as the amount by which the security’s fair value is below its amortized cost. If it is likely the Company will be required to sell the security in an unrealized loss position, the total amount of the loss is recognized in current period earnings. Unrealized losses deemed non-credit related are recorded, net of tax, through accumulated other comprehensive income. The Company determines expected credit losses on AFS and HTM securities through a discounted cash flow approach, using the security’s effective interest rate. However, as previously mentioned, the measurement of credit losses on available-for-sale securities only occurs when, through the Company’s qualitative assessment, it is determined all or a portion of the unrealized loss is deemed to be credit related. The Company’s discounted cash flow approach incorporates assumptions about the collectability of future cash flows. The amount of credit loss is measured as the amount by which the security’s amortized cost exceeds the present value of expected future cash flows. Credit losses on available-for-sale securities are measured on an individual basis. The Company does not measure credit losses on an investment’s accrued interest receivable, but rather promptly reverses from current period earnings the amount of accrued interest that is no longer deemed collectable. Accrued interest receivable for investment securities is included in accrued interest receivable balances in the consolidated statements of financial condition. Equity Investments. Equity investments that have readily determinable fair values are carried at fair value with changes in fair value recognized in current period earnings as a component of noninterest income. Equity investments that do not have readily determinable fair values are carried at cost, adjusted for any observable price changes in orderly transactions for identical or similar investments of the same issuer. Such investments are also recorded net of any previously recognized impairment. Certain equity securities the Company holds, such as investments in the stock of the Federal Home Loan Bank and the Federal Reserve Bank of San Francisco are carried at cost, less any previously recognized impairment. Investment in these securities is restricted to member banks and the securities are not actively traded on an exchange. The Company applies the equity method of accounting to investments in the equity of certain entities where it is deemed to have the ability to exercise significant influence over the entity, but does not control the entity, such as when its ownership interest is between 20% and 50%. Further, the Company also applies the equity method of accounting to equity investments it makes in limited partnerships and limited liability companies when its ownership interest in such entities exceeds 3-5% or when the Company has the ability to exercise significant influence over the partnership. Such investments typically reflect equity interests in various partnerships that make investments qualifying for credit under the Community Reinvestment Act (“CRA”). The Company records its share of the operating results associated with equity method investments, based on the most recent information available from the investee, in other noninterest income in the consolidated statements of income. Loans Held for Investment. Loans held for investment are loans the Company has the ability and intent to hold until their maturity. These loans are carried at amortized cost, net of discounts and premiums on acquired and purchased loans, and net deferred loan origination fees and costs. Purchase discounts and premiums and net deferred loan origination fees and costs on loans are accreted or amortized in interest income as an adjustment of yield, using the interest method, over the expected life of the loans. Amortization of deferred loan fees and costs are discontinued for loans that are placed on nonaccrual. Any remaining discounts, premiums, deferred fees or costs, and prepayment fees associated with loan payoffs prior to contractual maturity are included in loan interest income in the period of payoff. Loan commitment fees received to originate or purchase a loan are deferred and, if the commitment is exercised, recognized over the life of the loan using the interest method as an adjustment of yield or, if the commitment expires unexercised, recognized as income upon expiration of the commitment. The Company accrues interest on loans using the interest method and only if deemed collectible. Loans for which the accrual of interest has been discontinued are designated as nonaccrual loans. The accrual of interest on loans is discontinued when principal or interest is past due 90 days based on contractual terms of the loan or when, in the opinion of management, there is reasonable doubt as to the collection of principal and or interest. When loans are placed on nonaccrual status, all previously accrued and uncollected interest is promptly reversed against current period interest income, and as such an ACL for accrued interest receivable is not established. Interest income generally is not recognized on nonaccrual loans unless the likelihood of further loss is remote. Interest payments received on nonaccrual loans are applied as a reduction to the loan principal balance. Interest accruals are resumed on such loans only when they are brought current with respect to interest and principal and when, in the judgment of management, the loans are deemed to be fully collectible as to all principal and interest. Allowance for Credit Losses on Loans . The Company accounts for credit losses on loans in accordance with ASC 326, which requires the Company to record an estimate of expected lifetime credit losses for loans at the time of origination or acquisition. The ACL is maintained at a level deemed appropriate by management to provide for expected credit losses in the portfolio as of the date of the consolidated statements of financial condition. Estimating expected credit losses requires management to use relevant forward-looking information, including the use of reasonable and supportable forecasts. The measurement of the ACL is performed by collectively evaluating loans with similar risk characteristics. The Company measures the ACL on commercial real estate loans and commercial loans using a discounted cash flow approach, and a historical loss rate methodology is used to determine the ACL on retail loans. The Company’s discounted cash flow methodology incorporates a probability of default (“PD”) and loss given default (“LGD”) model, as well as expectations of future economic conditions, using reasonable and supportable forecasts. Together, the PD and LGD model with the use of reasonable and supportable forecasts generate estimates for cash flows expected and not expected to be collected over the estimated life of a loan. Estimates of future expected cash flows ultimately reflect assumptions made concerning net credit losses over the life of a loan. The use of reasonable and supportable forecasts requires significant judgment, such as selecting forecast scenarios and related scenario-weighting, as well as determining the appropriate length of the forecast horizon. Management leverages economic projections from a reputable and independent third party to inform and provide its reasonable and supportable economic forecasts. Other internal and external indicators of economic forecasts may also be considered by management when developing the forecast metrics. The Company’s ACL model forecasts PD and LGD over a two-year time horizon, which the Company believes is a reasonable and supportable period. PD and LGD forecasts are derived using economic forecast scenarios. Beyond the two-year forecast time horizon, the Company’s ACL model reverts to historical long-term average loss rates over a period of three years. The duration of the forecast horizon, the period over which forecasts revert to historical long-term averages, the economic forecasts that management utilizes, as well as additional internal and external indicators of economic forecasts that management considers, may change over time depending on the nature and composition of our loan portfolio. Changes in economic forecasts, in conjunction with changes in loan specific attributes, impact a loan’s PD and LGD, which can drive changes in the determination of the ACL. Expectations of future cash flows are discounted at the loan’s effective interest rate. The resulting ACL for term loans represents the amount by which the loan’s amortized cost exceeds the net present value of a loan’s discounted cash flows expected to be collected. The ACL for credit facilities is determined by discounting estimates for cash flows not expected to be collected. The ACL is recorded through a charge to provision for credit losses and is reduced by charge-offs, net of recoveries on loans previously charged-off. It is the Company’s policy to charge-off loan balances at the time they have been deemed uncollectible. The Company’s ACL model also includes adjustments for qualitative factors, where appropriate. Since historical information (such as historical net losses and economic cycles) may not always, by itself, provide a sufficient basis for determining future expected credit losses, management periodically considers the need for qualitative adjustments to the ACL. Qualitative adjustments may be related to and include, but not limited to factors such as: (i) management’s assessment of economic forecasts used in the model and how those forecasts align with management’s overall evaluation of current and expected economic conditions, (ii) organization-specific risks such as credit concentrations, collateral specific risks, regulatory risks, and external factors that may ultimately impact credit quality, (iii) potential model limitations such as limitations identified through backtesting, and other limitations associated with factors such as underwriting changes, acquisition of new portfolios and changes in portfolio segmentation, and (iv) management’s overall assessment of the adequacy of the ACL, including an assessment of model data inputs used to determine the ACL. The Company has a credit portfolio review process designed to detect problem loans. Problem loans are typically those of a substandard or worse internal risk grade, and may consist of loans on nonaccrual status, TDRs, loans where the likelihood of foreclosure on underlying collateral has increased, collateral dependent loans and other loans where concern or doubt over the ultimate collectability of all contractual amounts due has become elevated. Such loans, which have exhibited a deterioration in credit quality may, in the opinion of management, be deemed to no longer possess risk characteristics similar to other loans in the loan portfolio, and as such may require individual evaluation to determine an appropriate ACL for the loan. When a loan is individually evaluated, the Company typically measures the expected credit loss for the loan based on a discounted cash flow approach, unless the loan has been deemed collateral dependent. Collateral dependent loans are loans where the repayment of the loan is expected to come from the operation of and/or eventual liquidation of the underlying collateral. The ACL for collateral dependent loans is determined using estimates for the fair value of the underlying collateral, less costs to sell. Although management uses the best information available to derive estimates necessary to measure an appropriate level of the ACL, future adjustments to the ACL may be necessary due to economic, operating, regulatory, and other conditions that may extend beyond the Company’s control. Additionally, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s ACL and credit review process. Please also see Note 6 - Allowance for Credit Losses , of these Consolidated Financial Statements for additional discussion concerning the Company’s ACL methodology, including discussion concerning economic forecasts used in the determination of the ACL. The Company has segmented the loan portfolio according to loans that share similar attributes and risk characteristics. Each segment possesses varying degrees of risk based on, among other things, the type of loan, the type of collateral, and the sensitivity of the borrower or industry to changes in external factors such as economic conditions. These segment groupings are: investor loans secured by real estate, business loans secured by real estate, commercial loans, and retail loans. Within each segment grouping there are various classes of loans as disclosed below. The Company determines the ACL for loans based on this more detailed loan segmentation and classification. At March 31, 2022, the Company had the following segments and classes of loans: Investor Loans Secured by Real Estate: • Commercial real estate non-owner-occupied - Commercial real estate (“CRE”) non-owner-occupied includes loans for which the Company holds real property as collateral, but where the borrower does not occupy the underlying property. The primary risks associated with these loans include the borrower’s inability to pay, material decreases in the value of the real estate that is being held as collateral, significant increases in interest rates , changes in market rents, and vacancy of the underlying property, any of which may make the real e state loan unprofitable to the borrower. Real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. • Multifamily - Multifamily loans are secured by multi-tenant (5 or more units) residential real properties. Payments on multifamily loans are dependent on the successful operation or management of the properties, and repayment of these loans may be subject to adverse conditions in the real estate market or the economy. • Construction and land - We originate loans for the construction of one-to-four family and multifamily residences and CRE properties in our primary market area. We concentrate our origination efforts on single homes and infill multifamily and commercial projects in established neighborhoods where there is not abundant land available for development. Construction loans are considered to have higher risks due to construction completion and timing risk, and the ultimate repayment being sensitive to interest rate changes, government regulation of real property, and the availability of long-term financing. Additionally, economic conditions may impact the Company’s ability to recover its investment in construction loans, as adverse economic conditions may negatively impact the real estate market, which could affect the borrower’s ability to complete and sell the project. Additionally, the fair value of the underlying collateral may fluctuate as market conditions change. We occasionally originate land loans located predominantly in California for the purpose of facilitating the ultimate construction of a home or commercial building. The primary risks include the borrower’s inability to pay and the inability of the Company to recover its investment due to a decline in the fair value of the underlying collateral. Business Loans Secured by Real Estate: • Commercial real estate owner-occupied - CRE owner-occupied includes loans for which the Company holds real property as collateral and where the underlying property is occupied by the borrower, such as with a place of business. These loans are primarily underwritten based on the cash flows of the business and secondarily on the real estate. The primary risks associated with CRE owner-occupied loans include the borrower’s inability to pay, material decreases in the value of the real estate that is being held as collateral, and significant increases in interest rates, which may make the real estate loan unprofitable to the borrower. Real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. • Franchise secured by real estate - Franchise real estate secured loans are business loans secured by real property occupied by franchised restaurants, generally quick service restaurants (“QSR”) . These loans are primarily underwritten based on the cash flows of the business and secondarily on the real estate. Risks associated with these loans include material decreases in the value of real estate being held as collateral, and the borrower’s inability to pay as a result of increases in interest rates or decreases in cash flow from the underlying business. • Small Business Administration (“SBA”) - We are approved to originate loans under the SBA’s Preferred Lenders Program (“PLP”). The PLP lending status affords us a higher level of delegated credit autonomy, translating to a significantly shorter turnaround time from application to funding, which is critical to our marketing efforts. We originate loans nationwide under the SBA’s 7(a), SBA Express, International Trade and 504(a) loan programs, in conformity with SBA underwriting and documentation standards. SBA loans are similar to commercial business loans, but have additional credit enhancement provided by the U.S. government. The Company originates SBA loans with the intent to sell the guaranteed portion into the secondary market on a quarterly basis. Certain loans classified as SBA are secured by commercial real estate property. SBA loans secured by hotels are included in the segment investor loans secured by real estate, and SBA loans secured by all other forms of real estate are included in the business loans secured by real estate segment. All other SBA loans are included in the commercial loans segment below, and are secured by business assets. Commercial Loans: • Commercial and industrial (including franchise commercial loans) (“C&I”) - Loans to businesses, secured by business assets including inventory, receivables, and machinery and equipment . Loan types include revolving lines of credit, term loans, seasonal loans, and loans secured by liquid collateral such as cash deposits or marketable securities. Franchise credit facilities not secured by real estate and Home Owners’ Association (“HOA”) credit facilities are included in C&I loans. We also issue letters of credit on behalf of our customers. Risk arises primarily due to the difference between expected and actual cash flows of the borrowers. In addition, the recoverability of the Company’s investment in these loans is also dependent on other factors primarily dictated by the type of collateral securing these loans, and occasionally upon other borrower assets and guarantor assets. The fair value of the collateral securing these loans may fluctua te as market conditions change. In the case of loans secured by accounts receivable, the recovery of the Company’s investment is dependent upon the borrower’s ability to collect amounts due from its customers. Retail Loans: • One-to-four family - Although we do not originate first lien single family loans, we have acquired them through bank acquisitions. The primary risks of one-to-four family loans include the borrower’s inability to pay, material decreases in the value of the real estate that is being held as collateral, and significant increases in interest rates, which may make loans unprofitable to the borrower. • Consumer loans - In addition to consumer loans acquired through our various bank acquisitions, we originate a limited number of consumer loans, generally to banking clients, which consist primarily of home equity lines of credit, savings account secured loans, and auto loans. Repayment of these loans is dependent on the borrower’s ability to pay and the fair value of the underlying collateral. Troubled Debt Restructurings. From time to time, the Company makes modifications to certain loans when a borrower is experiencing financial difficulty. These modifications are made to alleviate temporary impairments in the borrower’s financial condition and/or constraints on the borrower’s ability to repay the loan, and to minimize potential losses to the Company. Modifications typically include: changes in the amortization terms of the loan, reductions in interest rates, acceptance of interest only payments, and, in limited cases, reductions to the outstanding loan balance. Such loans are typically placed on nonaccrual status and are returned to accrual status when all contractual amounts past due have been brought current, and the borrower’s performance under the modified terms of the loan agreement and the ultimate collectability of all contractual amounts due under the modified terms is no longer in doubt. The Company typically measures the ACL for TDRs on an individual basis when the loans are deemed to no longer share similar risk characteristics with other loans in the portfolio. The determination of the ACL for TDRs is based on a discounted cash flow approach for both those measured collectively and individually, unless the loan is deemed collateral dependent, which requires measurement of the ACL based on the estimated expected fair value of the underlying collateral, less costs to sell. Acquired Loans. When the Company acquires loans through purchase or a business combination, an assessment is first performed to determine if such loans have experienced more than insignificant deterioration in credit quality since their origination and thus should be classified and accounted for as purchased credit deteriorated (“PCD”) loans or otherwise classified as non-PCD loans. All acquired loans are recorded at their fair value as of the date of acquisition. Any resulting discount or premium on acquired loans is accreted or amortized into interest income over the remaining life of the loans using the interest method. Additionally, upon the purchase or acquisition of non-PCD loans, the Company measures and records an ACL based on the Company’s methodology for determining the ACL. The ACL for non-PCD loans is recorded through a charge to the provision for credit losses in the period in which the loans were purchased or acquired. Unlike non-PCD loans, the initial ACL for PCD loans is established through an adjustment to the acquired loan balance and not through a charge to the provision for credit losses. As with non-PCD loans, the ACL for PCD loans is determined with the use of the Company’s ACL methodology. Characteristics of PCD loans include: delinquency, downgrade in credit quality since origination, loans on nonaccrual status, and/or other factors the Company may become aware of through its initial analysis of acquired loans that may indicate there has been more than insignificant deterioration in credit quality since a loan’s origination. Subsequent to acquisition, the ACL for both non-PCD and PCD loans are measured with the use of the Company’s ACL methodology in the same manner as all other loans. Goodwill and Other Intangible Assets. Goodwill assets originate from business combinations where the Company has acquired other financial institutions, and is determined as the excess of the fair value of the consideration transferred, plus the fair value of any noncontrolling interests in the acquiree, over the fair value of the net assets acquired and liabilities assumed as of the acquisition date. Goodwill and intangible assets that are determined to have indefinite useful lives are not amortized, but are tested for impairment at least annually or more frequently if events and circumstances lead management to believe the value of those assets may be impaired. Impairment testing is performed at the reporting unit level, which is considered the Company level as management has identified the Company is its sole reporting unit. Management’s assessment of goodwill is performed in accordance with ASC 350-20 - Intangibles - Goodwill and Other - Goodwill , which allows the Company to first perform a qualitative assessment of goodwill to determine if it is more likely than not the fair value of the Company’s equity is below its carrying value. However, GAAP also allows the Company, at its option, to unconditionally forego the qualitative assessment and proceed directly to a quantitative assessment. When performing a qualitative assessment of goodwill, should the results of such analysis indicate it is more likely than not the fair value of the Company’s equity is below its carrying value, the Company then performs the quantitative assessment of goodwill to determine the fair value of the reporting unit and compares it to its carrying value. If the fair value of the reporting unit is below its carrying value, the Company would then recognize the amount of impairment as the amount by which the reporting unit’s carrying value exceeds its fair value, limited to the total amount of goodwill allocated to the reporting unit. Impairment losses are recorded as a charge to noninterest expense. The Company’s annual impairment test of goodwill is performed in the fourth quarter of each year. The Company performed a qualitative assessment of goodwill in the fourth quarter of 2021, the results of which indicated the value of goodwill assets could be supported and were not impaired. There have been no changes since the most recent assessment. Other intangible assets include core deposit and customer relationship intangible assets arising from the acquisition of other financial institutions and are amortized on a basis reflecting the pattern in which the economic benefits of the intangible assets are consumed or otherwise used up, or on a straight-line basis over their estimated useful lives, which range from 6 to 11 years. GAAP requires that intangible assets other than goodwill be tested for impairment when events and circumstances change, indicating that their carrying value may not be recoverable. For intangible assets other than goodwill, the Company first performs a qualitative assessment to determine if the carrying value of such assets may not be recoverable. A quantitative assessment is followed to determine the amount of impairment in the event the carrying value of such assets are deemed not recoverable. Impairment is measured as the amount by which their carrying value exceeds their estimated fair value. The Company tests intangible assets for impairment in the fourth quarter of each year, the results of which indicated the value of intangible assets could be supported and were not impaired. Derivatives as Part of Designated Accounting Hedges. The Company applies hedge accounting to certain derivative instruments used for risk management purposes, primarily interest rate risk. To qualify for hedge accounting, a derivative instrument must be highly effective at reducing the risk associated with the hedged exposure, and the hedging relationship must be formally documented at its inception. The Company uses regression analysis to assess the effectiveness of each hedging relationship, unless the hedge qualifies for other methods of assessing effectiveness (e.g., shortcut or critical terms match), both at inception and throughout the life of the hedge transaction. The Company currently has derivative instruments designated as part of fair value accounting hedges. These derivatives consist of pay-fixed, receive-floating interest rate swaps, and were entered into to hedge changes in the fair value of fixed-rate assets for specific risks, such as interest rate risk resulting from changes in a benchmark interest rate. In a qualifying fair value hedge, the Company records periodic changes in the fai

Investment Securities

Investment Securities	3 Months Ended
	Mar. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Investment Securities	Investment Securities The amortized cost and estimated fair value of investment securities available-for-sale were as follows: (Dollars in thousands) Amortized Gross Unrealized Gross Unrealized Estimated AFS investment securities: March 31, 2022 U.S. Treasury $ 14,930 $ — $ (940) $ 13,990 Agency 406,654 — (30,877) 375,777 Corporate debt 612,647 702 (18,284) 595,065 Municipal bonds 445,537 58 (30,311) 415,284 Collateralized mortgage obligations 874,382 1,606 (20,732) 855,256 Mortgage-backed securities 1,040,774 1 (74,052) 966,723 Total AFS investment securities $ 3,394,924 $ 2,367 $ (175,196) $ 3,222,095 December 31, 2021 U.S. Treasury $ 57,708 $ 614 $ (456) $ 57,866 Agency 440,183 2,081 (10,129) 432,135 Corporate debt 451,621 6,096 (3,856) 453,861 Municipal bonds 1,061,985 32,209 (4,281) 1,089,913 Collateralized mortgage obligations 680,686 2,012 (6,055) 676,643 Mortgage-backed securities 1,586,406 3,220 (26,180) 1,563,446 Total AFS investment securities $ 4,278,589 $ 46,232 $ (50,957) $ 4,273,864 The carrying amount and estimated fair value of investment securities held-to-maturity were as follows: (Dollars in thousands) Amortized Allowance for Credit Losses Net Carrying Amount Gross Unrecognized Gross Unrecognized Estimated HTM investment securities: March 31, 2022 Municipal bonds $ 747,887 $ (41) $ 747,846 $ — $ (101,757) $ 646,089 Mortgage-backed securities 247,050 — 247,050 96 (8,671) 238,475 Other 1,486 — 1,486 — — 1,486 Total HTM investment securities $ 996,423 $ (41) $ 996,382 $ 96 $ (110,428) $ 886,050 December 31, 2021 Municipal bonds $ 368,344 $ (22) $ 368,322 $ 3,834 $ (1,649) $ 370,507 Mortgage-backed securities $ 11,843 $ — $ 11,843 $ 564 $ — $ 12,407 Other 1,509 — 1,509 — — 1,509 Total HTM investment securities $ 381,696 $ (22) $ 381,674 $ 4,398 $ (1,649) $ 384,423 The Company reassesses classification of certain investments as part of the ongoing review of the investment securities portfolio. During the first quarter of 2022, the Company transferred approximately $386.8 million of municipal bonds and $255.0 million of mortgage-backed securities with longer durations, both of which the Company intends and has the ability to hold to maturity, from AFS to HTM securities. The transfer of these securities was accounted for at fair value. The municipal bonds had a net carrying amount of $379.9 million with a pre-tax unrealized loss of $6.9 million, and the mortgage-backed securities had a net carrying amount of $238.8 million with a pre-tax unrealized loss of $16.2 million, and both unrealized losses were reflected as discounts on the date of transfer. These discounts, as well as the related unrealized losses in accumulated other comprehensive income, will be amortized into interest income as yield adjustments over the remaining term of the securities. The amortization of the unrealized losses reported in accumulated other comprehensive income will offset the effect on interest income of the amortization of the discounts. No gains or losses were recorded at the time of transfer. Investment securities with carrying values of $56.5 million and $130.7 million as of March 31, 2022 and December 31, 2021, respectively, were pledged to secure public deposits, other borrowings, and for other purposes as required or permitted by law. Unrealized Gains and Losses Unrealized gains and losses on AFS investment securities are recognized in stockholders’ equity as accumulated other comprehensive income or loss. At March 31, 2022, the Company had an unrealized loss of $172.8 million, or $123.5 million net of tax in accumulated other comprehensive loss, compared to an unrealized loss of $4.7 million, or $3.3 million net of tax in accumulated other comprehensive loss, at December 31, 2021. For investment securities transferred from AFS to HTM, the unrealized gains and losses at the date of transfer continue to be reported in stockholders’ equity as accumulated other comprehensive income or loss and are amortized over the remaining lives of the securities with an offsetting entry to interest income as an adjustment of yield. At March 31, 2022, the unrealized loss on investment securities transferred from AFS to HTM that were included in accumulated other comprehensive loss was $20.8 million net of tax. The table below summarizes the number, fair value, and gross unrealized holding losses of the Company’s AFS investment securities in an unrealized loss position for which an allowance for credit losses has not been recorded as of the dates indicated, aggregated by investment category and length of time in a continuous loss position. March 31, 2022 Less than 12 Months 12 Months or Longer Total (Dollars in thousands) Number Fair Gross Number Fair Gross Number Fair Gross AFS investment securities: U.S. Treasury 1 $ 13,990 $ (940) — $ — $ — 1 $ 13,990 $ (940) Agency 9 72,300 (6,489) 26 303,476 (24,388) 35 375,776 (30,877) Corporate debt 44 449,423 (10,400) 3 52,241 (7,884) 47 501,664 (18,284) Municipal bonds 85 397,687 (30,158) 1 1,444 (153) 86 399,131 (30,311) Collateralized mortgage obligations 32 320,962 (10,317) 23 165,246 (10,415) 55 486,208 (20,732) Mortgage-backed securities. 71 880,417 (66,282) 9 86,208 (7,770) 80 966,625 (74,052) Total AFS investment securities 242 $ 2,134,779 $ (124,586) 62 $ 608,615 $ (50,610) 304 $ 2,743,394 $ (175,196) December 31, 2021 Less than 12 Months 12 Months or Longer Total (Dollars in thousands) Number Fair Gross Number Fair Gross Number Fair Gross AFS investment securities: U.S. Treasury 3 $ 47,235 $ (456) — $ — $ — 3 $ 47,235 $ (456) Agency 19 278,078 (5,634) 16 119,750 (4,495) 35 397,828 (10,129) Corporate debt 17 166,563 (849) 3 57,274 (3,007) 20 223,837 (3,856) Municipal bonds 36 277,564 (4,079) 2 6,596 (202) 38 284,160 (4,281) Collateralized mortgage obligations 26 226,763 (3,738) 15 121,185 (2,317) 41 347,948 (6,055) Mortgage-backed securities 103 1,306,455 (20,417) 15 173,121 (5,763) 118 1,479,576 (26,180) Total AFS investment securities 204 $ 2,302,658 $ (35,173) 51 $ 477,926 $ (15,784) 255 $ 2,780,584 $ (50,957) Allowance for Credit Losses on Investment Securities The Company reviews individual securities classified as AFS to determine whether a decline in fair value below the amortized cost basis is deemed credit related or due to other factors such as changes in interest rates and general market conditions. An ACL on AFS investment securities is recorded when the fair value of the investment is below its amortized cost and the decline in fair value has been deemed, through the Company’s qualitative assessment, to be credit related. Non-credit related declines in fair value of AFS investment securities, which may be attributed to changes in interest rates and other market-related factors, are not recorded through an ACL. Such declines are recorded as an adjustment to accumulated other comprehensive income, net of tax. In the event the Company is required to sell or has the intent to sell an AFS security that has experienced a decline in fair value below its amortized cost, the Company writes the amortized cost of the security down to fair value in the current period. Credit losses on HTM investment securities are recorded at the time of purchase or acquisition and when the Company has designated securities as HTM. Credit losses on HTM investment securities are representative of current expected credit losses that may be incurred over the life of the investment. The Company determines credit losses on both AFS and HTM investment securities through the use of a discounted cash flow approach using the security’s effective interest rate. The ACL is measured as the amount by which an investment security’s amortized cost exceeds the net present value of expected future cash flows. However, the amount of credit losses for AFS investment securities is limited to the amount of a security’s unrealized loss. The ACL is established through a charge to provision for credit losses in current period earnings. At March 31, 2022, the Company had an ACL of $41,000 for HTM investment securities classified as municipal bonds. These securities were transferred from AFS to HTM during the third and fourth quarters of 2021 and first quarter of 2022. The Company had an ACL of $22,000 for HTM investment securities at December 31, 2021. The Company recognized $19,000 and $11,000 of provision for credit losses for HTM investment securities during the three months ended March 31, 2022 and December 31, 2021, respectively. There was no provision for credit losses recognized for HTM investment securities during the three months ended March 31, 2021. The following table presents a rollforward by major security type of the allowance for credit losses on the Company's HTM debt securities as of, and for the periods indicated: Three Months Ended March 31, 2022 (Dollars in thousands) Balance, December 31, 2021 Provision for Credit Losses Balance, March 31, 2022 HTM investment securities: Municipal bonds $ 22 $ 19 $ 41 The Company had no ACL for AFS investment securities at March 31, 2022 and December 31, 2021. The Company performed a qualitative assessment of these investments as of March 31, 2022 and determined that the increase in unrealized losses was primarily the result of changes in interest rates with inflationary pressure driven by the Federal Reserve’s policy along with recent geopolitical developments, and does not believe the declines in fair value were credit related. As of March 31, 2022, the Company had not recorded credit losses on certain AFS securities that were in an unrealized loss position due to the high quality of the investments, with investment grade ratings, and many of them issued by U.S. government agencies. No issuers of these securities have, to the Company’s knowledge, experienced credit downgrades. Additionally, the Company continues to receive contractual principal and interest payments in a timely manner. The Company does not intend to sell these securities, and it is more likely than not that the Company will not be required to sell the securities prior to their anticipated recoveries. There was no provision for credit losses recognized for AFS investment securities during the three months ended March 31, 2022, December 31, 2021, or March 31, 2021. At March 31, 2022 and December 31, 2021, there were no AFS or HTM securities in nonaccrual status. All securities in the portfolio were current with their contractual principal and interest payments. At March 31, 2022 and December 31, 2021, there were no securities purchased with deterioration in credit quality since their origination. At March 31, 2022 and December 31, 2021, there were no collateral dependent AFS or HTM securities. The following table summarizes the Company’s investment securities portfolio by Moody’s external rating equivalent and by vintage as of March 31, 2022: Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Total AFS Investment securities at fair value: U.S. Treasury Aaa - Aa3 $ — $ 13,990 $ — $ — $ — $ — $ 13,990 Agency Aaa - Aa3 — 22,827 282,195 23,967 33,635 6,603 369,227 Baa1 - Baa3 — — — — — 6,550 6,550 Corporate debt Aaa - Aa3 39,946 — — — — — 39,946 A1 - A3 74,565 203,779 62,222 — — — 340,566 Baa1 - Baa3 34,267 52,711 92,122 25,664 — 9,789 214,553 Municipal bonds Aaa - Aa3 — 43,333 222,497 136,748 — 12,706 415,284 Collateralized mortgage obligations Aaa - Aa3 173,442 260,990 229,588 74,720 14,839 101,677 855,256 Mortgage-backed securities Aaa - Aa3 19,610 772,190 113,748 58,778 — 2,397 966,723 Total AFS investment securities 341,830 1,369,820 1,002,372 319,877 48,474 139,722 3,222,095 HTM investment securities at amortized cost: Municipal bonds Aaa - Aa3 — 116,523 622,498 8,866 — — 747,887 Mortgage-backed securities Aaa - Aa3 — 135,396 101,116 — 2,942 7,596 247,050 Other Baa1 - Baa3 — — — — 582 904 1,486 Total HTM investment securities — 251,919 723,614 8,866 3,524 8,500 996,423 Total investment securities $ 341,830 $ 1,621,739 $ 1,725,986 $ 328,743 $ 51,998 $ 148,222 $ 4,218,518 Realized Gains and Losses The following table presents the amortized cost of securities sold with related gross realized gains, gross realized losses, and net realized gains for the periods indicated: Three Months Ended March 31, December 31, March 31, (Dollars in thousands) 2022 2021 2021 Amortized cost of AFS investment securities sold $ 658,505 $ 267,114 $ 172,320 Gross realized gains $ 13,637 $ 4,723 $ 4,237 Gross realized losses (11,503) (1,138) (191) Net realized gains on sales of AFS investment securities $ 2,134 $ 3,585 $ 4,046 Contractual maturities The amortized cost and estimated fair value of investment securities at March 31, 2022, by contractual maturity, are shown in the table below. Due in One Year Due after One Year Due after Five Years Due after Total (Dollars in thousands) Amortized Fair Amortized Fair Amortized Fair Amortized Fair Amortized Fair AFS investment securities: U.S. Treasury $ — $ — $ — $ — $ 14,930 $ 13,990 $ — $ — $ 14,930 $ 13,990 Agency — — 271,342 254,013 97,419 88,539 37,893 33,225 406,654 375,777 Corporate debt — — 192,589 190,794 405,058 389,354 15,000 14,917 612,647 595,065 Municipal bonds — — — — 18,061 16,806 427,476 398,478 445,537 415,284 Collateralized mortgage obligations — — 36,738 36,544 243,674 231,495 593,970 587,217 874,382 855,256 Mortgage-backed securities — — — — 612,287 572,033 428,487 394,690 1,040,774 966,723 Total AFS investment securities — — 500,669 481,351 1,391,429 1,312,217 1,502,826 1,428,527 3,394,924 3,222,095 HTM investment securities: Municipal bonds — — — — 44,774 42,509 703,113 603,580 747,887 646,089 Mortgage-backed securities — — — — — — 247,050 238,475 247,050 238,475 Other — — — — — — 1,486 1,486 1,486 1,486 Total HTM investment securities — — — — 44,774 42,509 951,649 843,541 996,423 886,050 Total investment securities $ — $ — $ 500,669 $ 481,351 $ 1,436,203 $ 1,354,726 $ 2,454,475 $ 2,272,068 $ 4,391,347 $ 4,108,145 FHLB, FRB, and Other Stock The Company’s equity securities primarily consist of Federal Home Loan Bank of San Francisco (“FHLB”) and Federal Reserve Bank of San Francisco (“FRB”) stock, which are considered restricted securities and held as a condition of membership of the FHLB and the Board of Governors of the Federal Reserve System. These equity securities without readily determinable fair values are carried at cost less impairment. At March 31, 2022, the Company had $17.3 million in FHLB stock, $74.6 million in FRB stock, and $25.1 million in other stock, all carried at cost. At December 31, 2021, the Company had $17.3 million in FHLB stock, $74.5 million in FRB stock, and $25.7 million in other stock. During the three months ended March 31, 2022, December 31, 2021, and March 31, 2021, the FHLB did not repurchase any of the Company’s excess FHLB stock through its stock repurchase program.

Loans Held for Investment

Loans Held for Investment	3 Months Ended
	Mar. 31, 2022
Receivables [Abstract]
Loans Held for Investment	Loans Held for Investment The Company’s loan portfolio is segmented according to loans that share similar attributes and risk characteristics. Investor loans secured by real estate includes CRE non-owner-occupied, multifamily, construction, and land, as well as SBA loans secured by real estate, which are loans collateralized by hotel/motel real property. Business loans secured by real estate are loans to businesses that are collateralized by real estate where the operating cash flow of the business is the primary source of repayment. This loan portfolio includes CRE owner-occupied, franchise loans secured by real estate, and SBA loans secured by real estate, which are collateralized by real property other than hotel/motel real property. Commercial loans are loans to businesses where the operating cash flow of the business is the primary source of repayment. This loan portfolio includes commercial and industrial, franchise loans non-real estate secured, and SBA loans non-real estate secured. Retail loans include single family residential and consumer loans. Single family residential includes home equity lines of credit, as well as second trust deeds. The following table presents the composition of the loan portfolio for the periods indicated: March 31, December 31, (Dollars in thousands) 2022 2021 Investor loans secured by real estate CRE non-owner-occupied $ 2,774,650 $ 2,771,137 Multifamily 6,041,085 5,891,934 Construction and land 303,811 277,640 SBA secured by real estate 42,642 46,917 Total investor loans secured by real estate 9,162,188 8,987,628 Business loans secured by real estate CRE owner-occupied 2,391,984 2,251,014 Franchise real estate secured 384,267 380,381 SBA secured by real estate 68,466 69,184 Total business loans secured by real estate 2,844,717 2,700,579 Commercial loans Commercial and industrial 2,242,632 2,103,112 Franchise non-real estate secured 388,322 392,576 SBA non-real estate secured 10,761 11,045 Total commercial loans 2,641,715 2,506,733 Retail loans Single family residential 79,978 95,292 Consumer 5,157 5,665 Total retail loans 85,135 100,957 Gross loans held for investment (1) 14,733,755 14,295,897 Allowance for credit losses for loans held for investment (197,517) (197,752) Loans held for investment, net $ 14,536,238 $ 14,098,145 Total unfunded loan commitments $ 2,940,370 $ 2,507,911 Loans held for sale, at lower of cost or fair value $ 11,646 $ 10,869 ______________________________ (1) Includes net deferred origination fees of $3.9 million and $3.5 million, and unaccreted fair value net purchase discounts of $71.2 million and $77.1 million as of March 31, 2022 and December 31, 2021, respectively. Loans Serviced for Others and Loan Securitization The Company generally retains the servicing rights of the guaranteed portion of SBA loans sold, for which the Company initially records a servicing asset at fair value within its other assets category. Servicing assets are subsequently measured using the amortization method and amortized to noninterest income. Servicing assets are evaluated for impairment based on the fair value of the assets as compared to carrying amount. At March 31, 2022 and December 31, 2021, the servicing asset totaled $3.7 million and $3.8 million, respectively, and were included in other assets in the Company’s consolidated statement of financial condition. Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to the carrying amount. Impairment is recognized through a valuation allowance, to the extent the fair value is less than the carrying amount. At March 31, 2022 and December 31, 2021, the Company determined that no valuation allowance was necessary. In connection with the acquisition of Opus Bank (“Opus”), the Company acquired Federal Home Loan Mortgage Corporation (“Freddie Mac”) guaranteed structured pass-through certificates, which were issued as a result of Opus’s securitization sale of $509 million in originated multifamily loans through a Freddie Mac-sponsored transaction in December 2016. The Company's continuing involvement includes sub-servicing responsibilities, general representations and warranties, and reimbursement obligations. Servicing responsibilities on loan sales generally include obligations to collect and remit payments of principal and interest, provide foreclosure services, manage payments of taxes and insurance premiums, and otherwise administer the underlying loans. In connection with the securitization transaction, Freddie Mac was designated as the master servicer and appointed the Company to perform sub-servicing responsibilities, which generally include the servicing responsibilities described above with the exception of the servicing of foreclosed or defaulted loans. The overall management, servicing, and resolution of defaulted loans and foreclosed loans are separately designated to the special servicer, a third-party institution that is independent of the master servicer and the Company. The master servicer has the right to terminate the Company in its role as sub-servicer and direct such responsibilities accordingly. General representations and warranties associated with loan sales and securitization sales require the Company to uphold various assertions that pertain to the underlying loans at the time of the transaction, including, but not limited to, compliance with relevant laws and regulations, absence of fraud, enforcement of liens, no environmental damages, and maintenance of relevant environmental insurance. Such representations and warranties are limited to those that do not meet the quality represented at the transaction date and do not pertain to a decline in value or future payment defaults. In circumstances where the Company breaches its representations and warranties, the Company would generally be required to cure such instances through a repurchase or substitution of the subject loan(s). To the extent the ultimate resolution of defaulted loans results in contractual principal and interest payments that are deficient, the Company is obligated to reimburse Freddie Mac for such amounts, not to exceed 10% of the original principal amount of the loans comprising the securitization pool at the closing date of December 23, 2016. The liability recorded for Company’s exposure to the reimbursement agreement with Freddie Mac was $338,000 as of March 31, 2022 and December 31, 2021. Loans sold and serviced for others are not included in the accompanying consolidated statements of financial condition. The unpaid principal balance of loans and participations serviced for others were $542.4 million at March 31, 2022 and $565.8 million at December 31, 2021. Included in those totals are multifamily loans transferred through securitization with Freddie Mac of $75.9 million and $78.1 million at March 31, 2022 and December 31, 2021, respectively, and SBA participations serviced for others of $343.9 million and $365.6 million at March 31, 2022 and December 31, 2021, respectively. Concentration of Credit Risk As of March 31, 2022, the Company’s loan portfolio was primarily collateralized by various forms of real estate and business assets located predominately in California. The Company’s loan portfolio contains concentrations of credit in multifamily, CRE non-owner-occupied, CRE owner-occupied, and C&I business loans. The Bank maintains policies approved by the Bank’s Board of Directors (the “Bank Board”) that address these concentrations and diversifies its loan portfolio through loan originations, purchases, and sales to meet approved concentration levels. Under applicable laws and regulations, the Bank may not make secured loans to one borrower in excess of 25% of the Bank’s unimpaired capital plus surplus, and likewise in excess of 15% of the Bank’s unimpaired capital plus surplus for unsecured loans. These loans-to-one borrower limitations result in a dollar limitation of $823.3 million for secured loans and $494.0 million for unsecured loans at March 31, 2022. In order to manage concentration risk, the Bank maintains a house lending limit well below these statutory maximums. At March 31, 2022, the Bank’s largest aggregate outstanding balance of loans to one borrower was $235.5 million primarily comprised of an asset-based line of credit. Credit Quality and Credit Risk Management The Company’s credit quality and credit risk are controlled in two distinct areas. The first is the loan origination process, wherein the Bank underwrites credit and chooses which types and levels of risk it is willing to accept. The Company maintains a credit policy which addresses many related topics, sets forth maximum tolerances for key elements of loan risk, and indicates appropriate protocols for identifying and analyzing these risk elements. The policy sets forth specific guidelines for analyzing each of the loan products the Company offers from both an individual and portfolio-wide basis. The credit policy is reviewed annually by the Bank Board. The Bank’s underwriters ensure all key risk factors are analyzed, with most underwriting including a global cash flow analysis of the prospective borrowers. The second area is in the ongoing oversight of the loan portfolio, where existing credit risk is measured and monitored, and where performance issues are dealt with in a timely and appropriate fashion. Credit risk is monitored and managed within the loan portfolio by the Company’s portfolio managers based on both the credit policy and a credit and portfolio review policy. This latter policy requires a program of financial data collection and analysis, thorough loan reviews, property and/or business inspections, monitoring of portfolio concentrations and trends, and incorporation of current business and economic conditions. The portfolio managers also monitor asset-based lines of credit, loan covenants, and other conditions associated with the Company’s business loans as a means to help identify potential credit risk. Most individual loans, excluding the homogeneous loan portfolio, are reviewed at least annually, including the assignment or confirmation of a risk grade. Risk grades are based on a six-grade Pass scale, along with Special Mention, Substandard, Doubtful, and Loss classifications, as such classifications are defined by the federal banking regulatory agencies. The assignment of risk grades allows the Company to, among other things, identify the risk associated with each credit in the portfolio and to provide a basis for estimating credit losses inherent in the portfolio. Risk grades are reviewed regularly with the Company’s Credit and Portfolio Review Committee, and the portfolio management and risk grading process is reviewed on an ongoing basis by an independent loan review function, as well as by regulatory agencies during scheduled examinations. The following provides brief definitions for risk grades assigned to loans in the portfolio: • Pass classifications represent assets with an acceptable level of credit quality that contains no well-defined deficiencies or weaknesses. • Special Mention assets do not currently expose the Bank to a sufficient risk to warrant classification in one of the adverse categories, but possess correctable deficiencies or potential weaknesses deserving management’s close attention. • Substandard assets are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. These assets are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. OREO acquired through foreclosure is also classified as substandard assets. • Doubtful credits have all the weaknesses inherent in substandard credits, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. • Loss assets are those that are considered uncollectible and of such little value that their continuance as assets is not warranted. Amounts classified as loss are promptly charged off. The Bank’s portfolio managers also manage loan performance risks, collections, workouts, bankruptcies, and foreclosures. A special department, whose portfolio managers have professional expertise in these areas, typically handles or advises on these types of matters. Loan performance risks are mitigated by our portfolio managers acting promptly and assertively to address problem credits when they are identified. Collection efforts commence immediately upon non-payment, and the portfolio managers seek to promptly determine the appropriate steps to minimize the Company’s risk of loss. When foreclosure will maximize the Company’s recovery for a non-performing loan, the portfolio managers will take appropriate action to initiate the foreclosure process. When a loan is graded as special mention, substandard, or doubtful, the Company obtains an updated valuation of the underlying collateral. Collateral generally consists of accounts receivable, inventory, fixed assets, real estate properties, and cash. If, through the Company’s credit risk management process, it is determined the ultimate repayment of a loan will come from the foreclosure upon and ultimate sale of the underlying collateral, the loan is deemed collateral dependent and evaluated individually to determine an appropriate ACL for the loan. The ACL for such loans is measured as the amount by which the fair value of the underlying collateral, less estimated costs to sell, is less than the amortized cost of the loan. The Company typically continues to obtain or confirm updated valuations of underlying collateral for special mention and classified loans on an annual or biennial basis in order to have the most current indication of fair value of the underlying collateral securing the loan. Additionally, once a loan is identified as collateral dependent, due to the likelihood of foreclosure, and repayment of the loan is expected to come from the eventual sale of the underlying collateral, an analysis of the underlying collateral is performed at least quarterly. Changes in the estimated fair value of the collateral are reflected in the lifetime ACL for the loan. Balances deemed to be uncollectable are promptly charged-off. However, if a loan is not considered collateral dependent and management determines that the loan no longer possesses risk characteristics similar to other loans in the loan portfolio, the loan is individually evaluated, and the associated ACL is determined through the use of a discounted cash flow analysis. The following table stratifies the loans held for investment portfolio by the Company’s internal risk grading, and by year of origination, as of March 31, 2022: Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Investor loans secured by real estate CRE non-owner-occupied Pass $ 176,426 $ 670,633 $ 257,088 $ 403,482 $ 348,314 $ 870,240 $ 9,354 $ — $ 2,735,537 Special mention — — — — 7,633 2,245 — — 9,878 Substandard — — — 25,780 — 2,955 500 — 29,235 Multifamily Pass 465,994 2,279,374 871,658 1,082,386 399,926 940,701 286 — 6,040,325 Substandard — — — — — 760 — — 760 Construction and land Pass 46,203 132,985 79,651 28,556 9,027 7,389 — — 303,811 SBA secured by real estate Pass 1,966 130 496 6,135 6,847 18,215 — — 33,789 Substandard — — — — 3,282 5,571 — — 8,853 Total investor loans secured by real estate 690,589 3,083,122 1,208,893 1,546,339 775,029 1,848,076 10,140 — 9,162,188 Business loans secured by real estate CRE owner-occupied Pass 250,202 830,646 263,304 279,071 143,848 597,055 4,719 — 2,368,845 Special mention — — — — 764 — — — 764 Substandard — — 4,673 2,516 5,140 10,046 — — 22,375 Franchise real estate secured Pass 24,715 156,307 35,974 54,053 36,483 76,735 — — 384,267 SBA secured by real estate Pass 6,107 7,452 2,357 7,133 4,760 32,189 — — 59,998 Substandard — — — — 1,888 6,580 — — 8,468 Total loans secured by business real estate 281,024 994,405 306,308 342,773 192,883 722,605 4,719 — 2,844,717 Commercial loans Commercial and industrial Pass 77,907 417,259 68,739 185,229 105,770 180,774 1,171,092 2,747 2,209,517 Special mention — — 339 — — 142 530 — 1,011 Substandard 963 2,317 — 12 1,365 1,621 25,826 — 32,104 Franchise non-real estate secured Pass 23,582 159,709 23,309 76,734 41,700 43,597 661 — 369,292 Substandard — — — 1,550 3,517 13,963 — — 19,030 SBA non-real estate secured Pass 663 467 543 1,861 756 4,752 — — 9,042 Special mention — — — 66 — — — — 66 Substandard — — — 75 244 692 642 — 1,653 Total commercial loans 103,115 579,752 92,930 265,527 153,352 245,541 1,198,751 2,747 2,641,715 Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Retail loans Single family residential Pass $ — $ 309 $ 194 $ — $ 31 $ 55,677 $ 23,721 $ — $ 79,932 Substandard — — — — — 46 — — 46 Consumer loans Pass — 10 25 37 10 1,310 3,761 — 5,153 Substandard — — — 4 — — — — 4 Total retail loans — 319 219 41 41 57,033 27,482 — 85,135 Totals gross loans $ 1,074,728 $ 4,657,598 $ 1,608,350 $ 2,154,680 $ 1,121,305 $ 2,873,255 $ 1,241,092 $ 2,747 $ 14,733,755 The following table stratifies the loans held for investment portfolio by the Company’s internal risk grading, and by year of origination, as of December 31, 2021: Term Loans by Vintage (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Revolving Converted to Term During the Period Total December 31, 2021 Investor loans secured by real estate CRE non-owner-occupied Pass $ 708,560 $ 269,944 $ 393,097 $ 387,923 $ 218,388 $ 730,736 $ 9,353 $ — $ 2,718,001 Special mention — — 16,166 7,682 — — — — 23,848 Substandard — — 25,777 — — 2,998 513 — 29,288 Multifamily Pass 2,260,708 952,127 1,199,505 444,904 479,029 554,067 286 — 5,890,626 Substandard — — — 543 — 765 — — 1,308 Construction and land Pass 119,532 97,721 40,556 12,415 3,857 3,559 — — 277,640 SBA secured by real estate Pass 130 497 6,259 9,074 12,070 9,198 — — 37,228 Special mention — — — 957 — 544 — — 1,501 Substandard — — — 2,343 3,679 2,166 — — 8,188 Total investor loans secured by real estate 3,088,930 1,320,289 1,681,360 865,841 717,023 1,304,033 10,152 — 8,987,628 Business loans secured by real estate CRE owner-occupied Pass 853,044 273,469 287,249 161,636 187,130 464,271 6,738 292 2,233,829 Substandard — — 2,553 6,074 2,966 5,592 — — 17,185 Franchise real estate secured Pass 156,381 36,335 55,091 40,047 56,288 34,878 1,361 — 380,381 SBA secured by real estate Pass 6,379 2,364 7,331 9,125 10,734 24,627 — — 60,560 Special mention — — — — — 62 — — 62 Substandard — — — 2,062 2,690 3,810 — — 8,562 Total loans secured by business real estate 1,015,804 312,168 352,224 218,944 259,808 533,240 8,099 292 2,700,579 Term Loans by Vintage (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Revolving Converted to Term During the Period Total December 31, 2021 Commercial loans Commercial and industrial Pass $ 425,683 $ 79,635 $ 200,234 $ 117,471 $ 123,345 $ 70,789 $ 1,032,053 $ 3,371 $ 2,052,581 Special mention — — 146 — — 152 14,814 178 15,290 Substandard 1,772 — 14 2,683 863 1,150 27,684 1,075 35,241 Franchise non-real estate secured Pass 163,865 23,943 85,206 45,061 23,672 31,163 — — 372,910 Substandard — — 1,589 3,627 13,346 1,104 — — 19,666 SBA non-real estate secured Pass 474 564 1,292 666 2,806 2,148 — — 7,950 Special mention — — 681 114 — — — — 795 Substandard — — 76 339 685 547 653 — 2,300 Total commercial loans 591,794 104,142 289,238 169,961 164,717 107,053 1,075,204 4,624 2,506,733 Retail loans Single family residential Pass 313 211 — 32 2,008 68,759 23,920 — 95,243 Substandard — — — — — 49 — — 49 Consumer loans Pass 11 28 49 19 11 1,394 4,113 — 5,625 Substandard — — 5 — — 35 — — 40 Total retail loans 324 239 54 51 2,019 70,237 28,033 — 100,957 Totals gross loans $ 4,696,852 $ 1,736,838 $ 2,322,876 $ 1,254,797 $ 1,143,567 $ 2,014,563 $ 1,121,488 $ 4,916 $ 14,295,897 The following tables stratify loans held for investment by delinquencies in the Company’s loan portfolio at the dates indicated: Days Past Due (Dollars in thousands) Current 30-59 60-89 90+ Total March 31, 2022 Investor loans secured by real estate CRE non-owner-occupied $ 2,762,632 $ — $ — $ 12,018 $ 2,774,650 Multifamily 6,041,085 — — — 6,041,085 Construction and land 303,811 — — — 303,811 SBA secured by real estate 42,642 — — — 42,642 Total investor loans secured by real estate 9,150,170 — — 12,018 9,162,188 Business loans secured by real estate CRE owner-occupied 2,387,083 — — 4,901 2,391,984 Franchise real estate secured 384,267 — — — 384,267 SBA secured by real estate 68,025 — — 441 68,466 Total business loans secured by real estate 2,839,375 — — 5,342 2,844,717 Commercial loans Commercial and industrial 2,216,983 25,332 74 243 2,242,632 Franchise non-real estate secured 388,322 — — — 388,322 SBA not secured by real estate 10,119 — — 642 10,761 Total commercial loans 2,615,424 25,332 74 885 2,641,715 Retail loans Single family residential 79,978 — — — 79,978 Consumer loans 5,157 — — — 5,157 Total retail loans 85,135 — — — 85,135 Totals $ 14,690,104 $ 25,332 $ 74 $ 18,245 $ 14,733,755 December 31, 2021 Investor loans secured by real estate CRE non-owner-occupied $ 2,760,882 $ — $ — $ 10,255 $ 2,771,137 Multifamily 5,890,704 1,230 — — 5,891,934 Construction and land 277,640 — — — 277,640 SBA secured by real estate 46,580 — — 337 46,917 Total investor loans secured by real estate 8,975,806 1,230 — 10,592 8,987,628 Business loans secured by real estate CRE owner-occupied 2,246,062 — — 4,952 2,251,014 Franchise real estate secured 380,381 — — — 380,381 SBA secured by real estate 68,743 — — 441 69,184 Total business loans secured by real estate 2,695,186 — — 5,393 2,700,579 Commercial loans Commercial and industrial 2,101,558 92 — 1,462 2,103,112 Franchise non-real estate secured 392,576 — — — 392,576 SBA not secured by real estate 10,319 73 — 653 11,045 Total commercial loans 2,504,453 165 — 2,115 2,506,733 Retail loans Single family residential 95,292 — — — 95,292 Consumer loans 5,665 — — — 5,665 Total retail loans 100,957 — — — 100,957 Totals $ 14,276,402 $ 1,395 $ — $ 18,100 $ 14,295,897 Individually Evaluated Loans The Company evaluates loans collectively for purposes of determining the ACL in accordance with ASC 326. Collective evaluation is based on aggregating loans deemed to possess similar risk characteristics. In certain instances the Company may identify loans that it believes no longer possess risk characteristics similar to other loans in the portfolio. These loans are typically identified from a substandard or worse internal risk grade, since the specific attributes and risks associated with such loans tend to become unique as the credit deteriorates. Such loans are typically nonperforming, modified through a TDR, and/or are deemed collateral dependent, where the ultimate repayment of the loan is expected to come from the operation of or eventual sale of the collateral. Loans that are deemed by management to no longer possess risk characteristics similar to other loans in the portfolio are evaluated individually for purposes of determining an appropriate lifetime ACL. The Company uses a discounted cash flow approach, using the loan’s effective interest rate, for determining the ACL on individually evaluated loans, unless the loan is deemed collateral dependent, which requires evaluation based on the estimated fair value of the underlying collateral, less estimated costs to sell. The Company may increase or decrease the ACL for collateral dependent individually evaluated loans based on changes in the estimated expected fair value of the collateral. Changes in the ACL for all other individually evaluated loans is based substantially on the Company’s evaluation of cash flows expected to be received from such loans. As of March 31, 2022, $55.3 million of loans were individually evaluated with $1.2 million ACL attributed to such loans. At March 31, 2022, $11.8 million of individually evaluated loans were evaluated using a discounted cash flow approach, and $43.5 million of individually evaluated loans were evaluated based on the underlying value of the collateral. All individually evaluated loans were on nonaccrual status at March 31, 2022. As of December 31, 2021, $31.3 million of loans were individually evaluated, and the ACL attributed to such loans totaled $1.5 million. At December 31, 2021, $12.4 million of individually evaluated loans were evaluated using a discounted cash flow approach, and $18.9 million of individually evaluated loans were evaluated based on the underlying value of the collateral. All individually evaluated loans were on nonaccrual status at December 31, 2021. Troubled Debt Restructurings We sometimes modify or restructure loans when the borrower is experiencing financial difficulties by making a concession to the borrower in the form of changes in the amortization terms, reductions in the interest rates, the acceptance of interest-only payments, and, in limited cases, concessions to the outstanding loan balances. These loans are classified as TDRs. TDRs are loans modified for the purpose of alleviating temporary impairments to the borrower’s financial condition or cash flows. A workout plan between us and the borrower is designed to provide a bridge for borrower cash flow shortfalls in the near term. In most cases, the Company initially places TDRs on nonaccrual status, and they may return to accrual status when the loans are brought current, have performed in accordance with the restructured contractual terms for a period of at least six months, and the ultimate collectability of the total contractual restructured principal and interest payments are no longer in doubt. At March 31, 2022 and December 31, 2021, the Company had six loans totaling $16.9 million and $17.3 million, respectively, modified as TDRs, which are comprised of three CRE owner-occupied loans and one C&I loan totaling $5.1 million and $5.2 million, respectively, belonging to one borrower relationship with the terms modified due to bankruptcy, and two franchise non-real estate secured loans totaling $11.8 million and $12.1 million, respectively, belonging to another borrower relationship with the terms modified for payment deferral. During the three months ended March 31, 2022, the three CRE owner-occupied loans and one C&I loan classified as TDRs experienced payment defaults after modifications within the previous 12 months and were in payment default. All TDRs were on nonaccrual status as of March 31, 2022 and December 31, 2021. During the three months ended March 31, 2021, there were no loans modified as TDRs and no TDRs that experienced payment defaults after modifications within the previous 12 months. Purchased Credit Deteriorated Loans The Company analyzed acquired loans for more-than-insignificant deterioration in credit quality since their origination. Such loans are classified as purchased credit deteriorated loans. Please see Note 3 - Significant Accounting Policies for more information concerning the accounting for PCD loans. The Company had PCD loans of $542.4 million and $567.6 million at March 31, 2022 and December 31, 2021, respectively. Acquired loans classified as PCD are recorded at an initial amortized cost, which is comprised of the purchase price of the loans (or initial fair value) and the initial ACL determined for the loans, which is added to the purchase price, as well as any resulting discount or premium related to factors other than credit. The Company accounts for interest income on PCD loans using the interest method, whereby any purchase discounts or premiums are accreted or amortized into interest income as an adjustment of the loan’s yield. Subsequent to acquisition, the ACL for PCD loans is measured in accordance with the Company’s ACL methodology. Please also see Note 6 - Allowance for Credit Losses for more information concerning the Company’s ACL methodology. Nonaccrual Loans When loans are placed on nonaccrual status, previously accrued but unpaid interest is reversed from current period earnings. Payments received on nonaccrual loans are generally applied as a reduction to the loan principal balance. If the likelihood of further loss is remote, the Company may recognize interest on a cash basis. Loans may be returned to accruing status if the Company believes that all remaining principal and interest is fully collectible and there has been at least three months of sustained repayment performance since the loan was placed on nonaccrual. The Company typically does not accrue interest on loans 90 days or more past due or when, in the opinion of management, there is reasonable doubt as to the timely collection of principal or interest. However, when such loans are well secured and in the process of collection, the Company may continue with the accrual of interest. The Company had loans on nonaccrual status of $55.3 million at March 31, 2022 and $31.3 million at December 31, 2021. The Company did not record income from the receipt of cash payments related to nonaccruing loans during the three months ended March 31, 2022, December 31, 2021, and March 31, 2021. The Company had one CRE owner-occupied loan of $1.8 million in default for more than 90 days and still accruing interest, pending a legal proceeding with repayment reasonably expected at March 31, 2022. The Company had no loans 90 days or more past due and still accruing at December 31, 2021. The following tables provide a summary of nonaccrual loans as of the dates indicated: Nonaccrual Loans (1) (Dollars in thousands) Collateral Dependent Loans ACL Non-Collateral Dependent Loans ACL Total Nonaccrual Loans Nonaccrual Loans with No ACL March 31, 2022 Investor loans secured by real estate CRE non-owner-occupied $ 10,243 $ 1,152 $ — $ — $ 10,243 $ 2,627 SBA secured by real estate 573 — — — 573 573 Total investor loans secured by real estate 10,816 1,152 — — 10,816 3,200 Business loans secured by real estate CRE owner-occupied 4,901 — — — 4,901 4,901 SBA secured by real estate 575 — — — 575 575 Total business loans secured by real estate 5,476 — — — 5,476 5,476 Commercial loans Commercial and industrial 26,588 — — — 26,588 26,588 Franchise non-real estate secured — — 11,779 — 11,779 11,779 SBA non-real estate secured 642 — — — 642 642 Total commercial loans 27,230 — 11,779 — 39,009 39,009 Retail loans Single family residential 8 — — — 8 8 Total retail loans 8 — — — 8 8 Total nonaccrual loans $ 43,530 $ 1,152 $ 11,779 $ — $ 55,309 $ 47,693 December 31, 2021 Investor loans secured by real estate CRE non-owner-occupied $ 10,255 $ 1,455 $ — $ — $ 10,255 $ 2,640 SBA secured by real estate 937 — — — 937 937 Total investor loans secured by real estate 11,192 1,455 — — 11,192 3,577 Business loans secured by real estate CRE owner-occupied 4,952 — — — 4,952 4,952 SBA secured by real estate 589 — — — 589 589 Total business loans secured by real estate 5,541 — — — 5,541 5,541 Commercial loans Commercial and industrial 1,462 — 336 — 1,798 1,797 Franchise non-real estate secured — — 12,079 — 12,079 12,079 SBA non-real estate secured 653 — — — 653 653 Total commercial loans 2,115 — 12,415 — 14,530 14,529 Retail loans Single family residential 10 — — — 10 10 Total retail loans 10 — — — 10 10 Total nonaccrual loans $ 18,858 $ 1,455 $ 12,415 $ — $ 31,273 $ 23,657 ______________________________ (1) The ACL for nonaccrual loans is determined based on a discounted cash flow methodology unless the loan is considered collateral dependent; otherwise, the ACL for collateral dependent nonaccrual loans is determined based on the estimated fair value of the underlying collateral. Residential Real Estate Loans In Process of Foreclosure The Company had no consumer mortgage loans collateralized by residential real estate property for which formal foreclosure proceedings were in process as of March 31, 2022 or December 31, 2021. Collateral Dependent Loans Loans that have been classified as collateral dependent are loans where substantially all repayment of the loan is expected to come from the operation of or eventual liquidation of the collateral. Collateral dependent loans are evaluated individually for purposes of determining the ACL, which is determined based on the estimated fair value of the collateral. Estimates for costs to sell are included in the determination of the ACL when liquidation of the collateral is anticipated. In cases where the loan is well secured and the estimated value of

Allowance for Credit Losses

Allowance for Credit Losses	3 Months Ended
	Mar. 31, 2022
Provision for Loan and Lease Losses [Abstract]
Allowance for Credit Losses	Allowance for Credit Losses The Company maintains an ACL for loans and unfunded loan commitments in accordance with ASC 326 - Financial Instruments - Credit Losses . ASC 326 requires the Company to recognize estimates for lifetime credit losses on loans and unfunded loan commitments at the time of origination or acquisition. The recognition of credit losses at origination or acquisition represents the Company’s best estimate of lifetime expected credit losses, given the facts and circumstances associated with a particular loan or group of loans with similar risk characteristics. Determining the ACL involves the use of significant management judgement and estimates, which are subject to change based on management’s ongoing assessment of the credit quality of the loan portfolio and changes in economic forecasts used in the model. The Company uses a discounted cash flow model when determining estimates for the ACL for commercial real estate loans and commercial loans, which comprise the majority of the loan portfolio, and uses a historical loss rate model for retail loans. The Company also utilizes proxy loan data in its ACL model where the Company’s own historical data is not sufficiently available. The discounted cash flow model is applied on an instrument-by-instrument basis, and for loans with similar risk characteristics, to derive estimates for the lifetime ACL for each loan. The discounted cash flow methodology relies on several significant components essential to the development of estimates for future cash flows on loans and unfunded commitments. These components consist of: (i) the estimated PD, (ii) the estimated LGD, which represents the estimated severity of the loss when a loan is in default, (iii) estimates for prepayment activity on loans, and (iv) the estimated exposure to the Company at default (“EAD”). These components are also heavily influenced by changes in economic forecasts employed in the model over a reasonable and supportable period. The Company’s ACL methodology for unfunded loan commitments also includes assumptions concerning the probability an unfunded commitment will be drawn upon by the borrower. These assumptions are based on the Company’s historical experience. The Company’s discounted cash flow ACL model for commercial real estate and commercial loans uses internally derived estimates for prepayments in determining the amount and timing of future contractual cash flows expected to be collected. The estimate of future cash flows also incorporates estimates for contractual amounts the Company believes may not be collected, which are based on assumptions for PD, LGD, and EAD. EAD is the estimated outstanding balance of the loan at the time of default. It is determined by the contractual payment schedule and expected payment profile of the loan, incorporating estimates for expected prepayments and future draws on revolving credit facilities. The Company discounts cash flows using the effective interest rate on the loan. The effective interest rate represents the contractual rate on the loan; adjusted for any purchase premiums, purchase discounts, and deferred fees and costs associated with an originated loan. The Company has made an accounting policy election to adjust the effective interest rate to take into consideration the effects of estimated prepayments. The ACL for loans is determined by measuring the amount by which a loan’s amortized cost exceeds its discounted cash flows expected to be collected. The ACL for credit facilities is determined by discounting estimates for cash flows not expected to be collected. Probability of Default The PD for investor loans secured by real estate is based largely on a model provided by a third party, using proxy loan information. The PDs generated by this model are reflective of current and expected economic conditions and conditions in the commercial real estate market, and how they are expected to impact loan level and property level attributes, and ultimately the likelihood of a default event occurring. This model also incorporates assumptions for PD at a loan’s maturity. Significant loan and property level attributes include: loan-to-value (“LTV”) ratios, debt service coverage, loan size, loan vintage, and property types. The PD for business loans secured by real estate and commercial loans is based on an internally developed PD rating scale that assigns PDs based on the Company’s internal risk grades for loans. This internally developed PD rating scale is based on a combination of the Company’s own historical data and observed historical data from the Company’s peers, which consist of banks that management believes align with our business profile. As credit risk grades change for these loans, the PD assigned to them also changes. As with investor loans secured by real estate, the PD for business loans secured by real estate and commercial loans is also impacted by current and expected economic conditions. The Company considers loans to be in default when they are 90 days or more past due and still accruing or placed on nonaccrual status. Loss Given Default LGDs for commercial real estate loans are derived from a third party, using proxy loan information, and are based on loan and property level characteristics for loans in the Company’s loan portfolio, such as: LTVs, estimated time to resolution, property size, and current and estimated future market price changes for underlying collateral. The LGD is highly dependent upon LTV ratios, and incorporates estimates for the expense associated with managing the loan through to resolution. LGDs also incorporate an estimate for the loss severity associated with loans where the borrower fails to meet their debt obligation at maturity, such as through a balloon payment or the refinancing of the loan through another lender. External factors that have an impact on LGDs include: changes in the index for CRE pricing, GDP growth rate, unemployment rates, and the Consumer Price Index. LGDs are applied to each loan in the commercial real estate portfolio, and in conjunction with the PD, produce estimates for net cash flows not expected to be collected over the estimated term of the loan. LGDs for commercial loans are also derived from a third party that has a considerable database of credit related information specific to the financial services industry and the type of loans within this segment, and is used to generate annual default information for commercial loans. These proxy LGDs are dependent upon data inputs such as: credit quality, borrower industry, region, borrower size, and debt seniority. LGDs are then applied to each loan in the commercial segment, and in conjunction with the PD, produce estimates for net cash flows not expected to be collected over the estimated term of the loan. Historical Loss Rates for Retail Loans The historical loss rate model for retail loans is derived from a third party that has a considerable database of credit related information for retail loans. Key loan level attributes and economic drivers in determining the loss rate for retail loans include FICO scores, vintage, as well as geography, unemployment rates, and changes in consumer real estate prices. Economic Forecasts GAAP requires the Company to develop reasonable and supportable forecasts of future conditions, and estimate how those forecasts are expected to impact a borrower’s ability to satisfy their obligation to the Bank and the ultimate collectability of future cash flows over the life of a loan. The Company uses economic scenarios from an independent third party. These scenarios are based on past events, current conditions, and the likelihood of future events occurring. These scenarios typically are comprised of: (1) a base-case scenario, (2) an upside scenario, representing slightly better economic conditions than currently experienced, and (3) a downside scenario, representing recessionary conditions. Management periodically evaluates appropriateness of economic scenarios and may decide that a particular economic scenario or a combination of probability-weighted economic scenarios should be used in the Company’s ACL model. The economic scenarios chosen for the model, the extent to which more than one scenario is used, and the weights that are assigned to them, are based on the likelihood that the economy would perform better than each scenario, which is based in part on analysis performed by an independent third-party. Economic scenarios chosen, as well as the assumptions within those scenarios, and whether to use a probability-weighted multiple scenario approach, can vary from one period to the next based on changes in current and expected economic conditions, and due to the occurrence of specific events such as the ongoing COVID-19 pandemic, the war between Russia and Ukraine, and ongoing inflationary pressures throughout the U.S. economy. The Company recognizes the non-linearity of credit losses relative to economic performance and thus the Company believes consideration of, and if appropriate under the circumstances, use of multiple probability-weighted economic scenarios is appropriate in estimating credit losses over the forecast period. This approach is based on certain assumptions. The first assumption is that no single forecast of the economy, however detailed or complex, is completely accurate over a reasonable forecast time-frame, and is subject to revisions over time. By considering multiple scenario outcomes and assigning reasonable probability weightings to them, some of the uncertainty associated with a single scenario approach, the Company believes, is mitigated. As of March 31, 2022, the Company’s ACL model used three weighted scenarios representing a base-case scenario, an upside scenario, and a downside scenario. The weightings assigned to each scenario were as follows: the base-case scenario, or most likely scenario, was assigned a weighting of 40%, while the upside and downside scenarios were each assigned a weighting of 30%. The Company evaluated the weightings of each economic scenario in the current period and determined the current weightings of 40% for the base-case scenario, and 30% for each of the upside and downside scenarios appropriately reflect the likelihood of outcomes for each scenario given the current economic environment. The use of three weighted scenarios at March 31, 2022 and the weighting assigned to each scenario is consistent with the approach used in the Company’s ACL model at December 31, 2021. Given recent developments in the geopolitical landscape with the war between Russia and Ukraine, ongoing inflationary pressures in the U.S. economy, and general uncertainty surrounding future economic conditions, the Company took into consideration these and other factors when determining the appropriateness of economic scenarios used in the ACL model at March 31, 2022. As a result, the Company used the economic forecast as of December 31, 2021 in the ACL model, which was more reflective of the current economic environment as well as the likelihood of future economic conditions occurring as of March 31, 2022. Further, economic scenarios used in the ACL model include the current and estimated future impact associated with the ongoing COVID-19 pandemic. The Company currently forecasts PDs and LGDs based on economic scenarios over a two-year period, which we believe is a reasonable and supportable period. Beyond this point, PDs and LGDs revert to their long-term averages. The Company has reflected this reversion over a period of three years in each of its economic scenarios used to generate the overall probability-weighted forecast. Changes in economic forecasts impact the PD, LGD, and EAD for each loan, and therefore influence the amount of future cash flows for each loan the Company does not expect to collect. It is important to note that the Company’s ACL model relies on multiple economic variables, which are used under several economic scenarios. Although no one economic variable can fully demonstrate the sensitivity of the ACL calculation to changes in the economic variables used in the model, the Company has identified certain economic variables that have significant influence in the Company’s model for determining the ACL. As of March 31, 2022, the Company’s ACL model incorporated the following assumptions for key economic variables in the base-case, upside, and downside scenarios, which are largely unchanged from those used in the ACL model at December 31, 2021: Base-case Scenario: • U.S. unemployment declines to 3.5% through the end of 2022 and holds relatively constant at approximately 3.5% throughout 2023. • U.S. real GDP growth decelerates throughout 2022 from approximately 5.4% to approximately 2.8% by the end of 2022. U.S. real GDP growth accelerates slightly from 2.7% from the beginning of 2023 to 2.8% towards the end of 2023. • CRE index growth accelerates in 2022 from 0.4% in the second quarter of 2022 to approximately 8.3% by the end of 2022. Growth in the CRE index then decelerates from approximately 11.2% at the beginning of 2023 to 6.8% by the end of 2023. • The 10-year U.S. Treasury yield ends 2022 at approximately 2.4%, and increases to approximately 3.1% by the end of 2023. Upside Scenario: • U.S. unemployment rate declines to approximately 3.1% through the end of 2022 and holds relatively constant at approximately 3.0% throughout 2023. • U.S. real GDP growth decelerates throughout 2022 from approximately 9.3% to approximately 4.2% by the end of 2022. U.S. real GDP growth decelerates from approximately 4.4% in early 2023 to approximately 1.9% by the end of 2023. • CRE index growth accelerates in 2022 from approximately 1.9% in the second quarter of 2022 to approximately 14.1% by the end of 2022. Growth in the CRE index then decelerates from approximately 15.0% at the beginning of 2023 to approximately 6.9% by the end of 2023. • The 10-year U.S. Treasury yield ends 2022 at approximately 2.3%, and then increases to approximately 3.0% by the end of 2023. Downside Scenario: • U.S. unemployment rate increases to approximately 8.2% through the end of 2022 and then declines moderately to approximately 8.0% by the end of 2023. • U.S. real GDP declines decelerate in 2022 from approximately -4.0% in the second quarter to approximately -1.9% by the end of 2023. U.S. real GDP then returns to accelerating growth throughout 2023, with growth of approximately 3.4% by the end of 2023. • CRE index declines accelerate in 2023 from approximately -3.5% in the second quarter of 2023 to approximately -19.5% by the end of 2023. The CRE index declines decelerate through the third quarter of 2023 from approximately -10.9% to -3.8%. The CRE index then returns to growth in the fourth quarter of 2023. • The 10-year U.S. Treasury yield ends 2022 at approximately 1.2%, and then increases to approximately 2.1% by the end of 2023. Qualitative Adjustments The Company recognizes that historical information used as the basis for determining future expected credit losses may not always, by itself, provide a sufficient basis for determining future expected credit losses. The Company, therefore, periodically considers the need for qualitative adjustments to the ACL. Qualitative adjustments may be related to and include, but not be limited to, factors such as: (i) management’s assessment of economic forecasts used in the model and how those forecasts align with management’s overall evaluation of current and expected economic conditions, (ii) organization specific risks such as credit concentrations, collateral specific risks, regulatory risks, and external factors that may ultimately impact credit quality, (iii) potential model limitations such as limitations identified through back-testing, and other limitations associated with factors such as underwriting changes, acquisition of new portfolios and changes in portfolio segmentation, and (iv) management’s overall assessment of the adequacy of the ACL, including an assessment of model data inputs used to determine the ACL. As of March 31, 2022, qualitative adjustments primarily relate to certain segments of the loan portfolio deemed by management to be of a higher-risk profile where management believes the quantitative component of the Company’s ACL model may not have fully captured the associated impact to the ACL. In addition, qualitative adjustments also relate to heightened uncertainty as to future macroeconomic conditions and the related impact on certain loan segments. Qualitative adjustments to the ACL were made for SBA investor loans secured by real estate, construction loans, and franchise loans. Management reviews the need for an appropriate level of qualitative adjustments on a quarterly basis, and as such, the amount and allocation of qualitative adjustments may change in future periods. The following tables provides 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 March 31, 2022 (Dollars in thousands) Beginning ACL Balance Charge-offs Recoveries Provision for Credit Losses Ending Investor loans secured by real estate CRE non-owner occupied $ 37,380 $ — $ — $ (1,406) $ 35,974 Multifamily 55,209 — — (884) 54,325 Construction and land 5,211 — — 8 5,219 SBA secured by real estate 3,201 (70) — (81) 3,050 Business loans secured by real estate CRE owner-occupied 29,575 — 10 2,306 31,891 Franchise real estate secured 7,985 — — (8) 7,977 SBA secured by real estate 4,866 — — 329 5,195 Commercial loans Commercial and industrial 38,136 (2,179) 1,841 800 38,598 Franchise non-real estate secured 15,084 — — (780) 14,304 SBA non-real estate secured 565 (50) 2 (27) 490 Retail loans Single family residential 255 — — (22) 233 Consumer loans 285 — — (24) 261 Totals $ 197,752 $ (2,299) $ 1,853 $ 211 $ 197,517 Three Months Ended March 31, 2021 (Dollars in thousands) Beginning ACL Balance Charge-offs Recoveries Provision for Credit Losses Ending Investor loans secured by real estate CRE non-owner occupied $ 49,176 $ (154) $ — $ (3,477) $ 45,545 Multifamily 62,534 — — 17,281 79,815 Construction and land 12,435 — — 828 13,263 SBA secured by real estate 5,159 (265) — 247 5,141 Business loans secured by real estate CRE owner-occupied 50,517 — 15 (8,938) 41,594 Franchise real estate secured 11,451 — — (575) 10,876 SBA secured by real estate 6,567 (98) — (18) 6,451 Commercial loans Commercial and industrial 46,964 (1,279) 601 (2,913) 43,373 Franchise non-real estate secured 20,525 (156) — (1,466) 18,903 SBA non-real estate secured 995 — 2 (107) 890 Retail loans Single family residential 1,204 — — (382) 822 Consumer loans 491 — — (165) 326 Totals $ 268,018 $ (1,952) $ 618 $ 315 $ 266,999 The decrease in the ACL for loans held for investment during the three months ended March 31, 2022 of $235,000 was comprised of $446,000 in net charge-offs, partially offset by a $211,000 provision for credit losses. The provision for credit losses for the three months ended March 31, 2022 was reflective of higher loans held for investment and growing economic uncertainties, offset by improved economic forecasts and asset quality. The decrease in the ACL for loans held for investment during the three months ended March 31, 2021 of $1.0 million is reflective of $1.3 million in net charge-offs, partially offset by a $315,000 provision for credit losses. The provision for credit losses for the three months ended March 31, 2021 was reflective of unfavorable economic conditions and forecasts used in the Company’s ACL model. The following tables present PD bands for investor loans secured by real estate, business loans secured by real estate, and commercial loans segments of the loan portfolio as of the dates indicated. Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Investor loans secured by real estate CRE non-owner-occupied 0% - 5.00% $ 176,426 $ 651,475 $ 250,051 $ 369,190 $ 339,561 $ 791,623 $ 9,354 $ — $ 2,587,680 >5.00% - 10.00% — 8,632 1,141 718 16,386 54,229 — — 81,106 Greater than 10% — 10,526 5,896 59,354 — 29,588 500 — 105,864 Multifamily 0% - 5.00% 461,776 2,251,232 865,755 1,057,766 398,127 926,880 286 — 5,961,822 >5.00% - 10.00% 4,218 23,077 5,903 24,620 1,799 14,581 — — 74,198 Greater than 10% — 5,065 — — — — — — 5,065 Construction and Land 0% - 5.00% 45,018 106,397 62,442 15,840 5,618 7,389 — — 242,704 >5.00% - 10.00% 1,185 23,088 13,821 4,815 — — — — 42,909 Greater than 10% — 3,500 3,388 7,901 3,409 — — — 18,198 SBA secured by real estate 0% - 5.00% 1,966 130 496 6,135 10,129 23,213 — — 42,069 >5.00% - 10.00% — — — — — — — — — Greater than 10% — — — — — 573 — — 573 Total investor loans secured by real estate 690,589 3,083,122 1,208,893 1,546,339 775,029 1,848,076 10,140 — 9,162,188 Business loans secured by real estate CRE owner-occupied 0% - 5.00% 250,202 830,646 263,304 279,071 143,848 597,055 4,719 — 2,368,845 >5.00% - 10.00% — — — — 764 — — — 764 Greater than 10% — — 4,673 2,516 5,140 10,046 — — 22,375 Franchise real estate secured 0% - 5.00% 24,715 152,674 35,974 54,053 35,233 73,922 — — 376,571 >5.00% - 10.00% — 1,245 — — 1,250 2,813 — — 5,308 Greater than 10% — 2,388 — — — — — — 2,388 SBA secured by real estate 0% - 5.00% 6,107 7,452 1,596 5,785 3,459 22,774 — — 47,173 >5.00% - 10.00% — — 761 1,348 1,302 9,414 — — 12,825 Greater than 10% — — — — 1,887 6,581 — — 8,468 Total business loans secured by real estate 281,024 994,405 306,308 342,773 192,883 722,605 4,719 — 2,844,717 Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Commercial loans Commercial and industrial 0% - 5.00% 75,796 410,671 67,470 178,211 101,951 177,185 854,129 1,247 1,866,660 >5.00% - 10.00% 2,111 6,964 1,608 7,018 3,819 3,589 317,797 — 342,906 Greater than 10% 963 1,941 — 12 1,365 1,763 25,522 1,500 33,066 Franchise non-real estate secured 0% - 5.00% 23,120 158,940 15,289 62,490 36,456 35,717 555 — 332,567 >5.00% - 10.00% 462 769 8,020 14,244 5,244 7,306 106 — 36,151 Greater than 10% — — — 1,550 3,517 14,537 — — 19,604 SBA not secured by real estate 0% - 5.00% 663 467 477 87 266 2,451 — — 4,411 >5.00% - 10.00% — — 66 1,775 490 2,301 — — 4,632 Greater than 10% — — — 140 244 692 642 — 1,718 Total commercial loans $ 103,115 $ 579,752 $ 92,930 $ 265,527 $ 153,352 $ 245,541 $ 1,198,751 $ 2,747 $ 2,641,715 Term Loans by Vintage (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Revolving Converted to Term During the Period Total December 31, 2021 Investor loans secured by real estate CRE non-owner-occupied 0% - 5.00% $ 654,823 $ 233,718 $ 375,691 $ 392,892 $ 193,762 $ 682,357 $ 4,022 $ — $ 2,537,265 >5.00% - 10.00% 37,931 22,965 9,174 2,713 23,559 23,707 5,331 — 125,380 Greater than 10% 15,806 13,261 50,175 — 1,067 27,670 513 — 108,492 Multifamily 0% - 5.00% 2,242,420 929,964 1,174,859 442,410 470,107 548,156 286 — 5,808,202 >5.00% - 10.00% 13,226 7,393 24,646 1,807 8,922 6,676 — — 62,670 Greater than 10% 5,062 14,770 — 1,230 — — — — 21,062 Construction and land 0% - 5.00% 110,545 81,029 23,030 8,321 3,857 3,559 — — 230,341 >5.00% - 10.00% 5,500 14,264 9,931 4,094 — — — — 33,789 Greater than 10% 3,487 2,428 7,595 — — — — — 13,510 SBA secured by real estate 0% - 5.00% 130 497 6,259 12,374 15,149 11,572 — — 45,981 >5.00% - 10.00% — — — — — — — — — Greater than 10% — — — — 600 336 — — 936 Total investor loans secured by real estate 3,088,930 1,320,289 1,681,360 865,841 717,023 1,304,033 10,152 — 8,987,628 Term Loans by Vintage (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Revolving Converted to Term During the Period Total December 31, 2021 Business loans secured by real estate CRE owner-occupied 0% - 5.00% 853,044 273,469 287,249 161,635 187,130 456,170 6,738 292 2,225,727 >5.00% - 10.00% — — — — — 8,101 — — 8,101 Greater than 10% — — 2,553 6,075 2,966 5,592 — — 17,186 Franchise real estate secured 0% - 5.00% 154,009 36,335 55,091 37,559 53,519 33,635 1,361 — 371,509 >5.00% - 10.00% 843 — — 2,488 2,769 1,243 — — 7,343 Greater than 10% 1,529 — — — — — — — 1,529 SBA secured by real estate 0% - 5.00% 6,379 2,364 6,040 8,986 8,718 16,947 — — 49,434 >5.00% - 10.00% — — 1,291 139 2,006 7,681 — — 11,117 Greater than 10% — — — 2,062 2,700 3,871 — — 8,633 Total business loans secured by real estate 1,015,804 312,168 352,224 218,944 259,808 533,240 8,099 292 2,700,579 Commercial loans Commercial and industrial 0% - 5.00% 417,780 77,755 192,478 114,593 120,869 67,194 680,662 3,380 1,674,711 >5.00% - 10.00% 8,349 1,880 7,757 2,878 2,476 3,595 375,829 341 403,105 Greater than 10% 1,326 — 159 2,683 863 1,302 18,060 903 25,296 Franchise non-real estate secured 0% - 5.00% 155,064 18,370 64,503 39,389 21,483 21,524 — — 320,333 >5.00% - 10.00% 8,801 5,573 20,703 5,672 2,189 8,840 — — 51,778 Greater than 10% — — 1,589 3,627 13,346 1,903 — — 20,465 SBA not secured by real estate 0% - 5.00% 474 564 1,088 370 732 1,636 — — 4,864 >5.00% - 10.00% — — 205 410 2,074 512 — — 3,201 Greater than 10% — — 756 339 685 547 653 — 2,980 Total commercial loans $ 591,794 $ 104,142 $ 289,238 $ 169,961 $ 164,717 $ 107,053 $ 1,075,204 $ 4,624 $ 2,506,733 A significant driver in the ACL for loans in the investor real estate secured and business real estate secured segments is estimated LTV ratio. The following tables summarize the amortized cost of loans in these segments by current estimated LTV and by year of origination as of the dates indicated: Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Investor loans secured by real estate CRE non-owner-occupied 55% and below $ 80,360 $ 370,848 $ 138,963 $ 182,092 $ 166,633 $ 592,412 $ 9,854 — $ 1,541,162 >55-65% 88,510 238,821 90,596 154,776 54,175 250,482 — — 877,360 >65-75% 7,556 60,735 27,529 56,266 130,804 27,166 — — 310,056 Greater than 75% — 229 — 36,128 4,335 5,380 — — 46,072 Multifamily 55% and below 111,585 409,021 197,947 256,819 169,113 449,182 286 — 1,593,953 >55-65% 209,094 944,247 367,310 466,705 194,097 348,010 — — 2,529,463 >65-75% 142,824 896,113 303,401 353,096 36,716 134,308 — — 1,866,458 Greater than 75% 2,491 29,993 3,000 5,766 — 9,961 — — 51,211 Construction and land 55% and below 46,203 129,135 79,651 10,675 4,155 7,389 — — 277,208 >55-65% — 3,850 — 8,916 4,872 — — — 17,638 >65-75% — — — 8,965 — — — — 8,965 Greater than 75% — — — — — — — — — SBA secured by real estate 55% and below 1,966 — — — 1,469 2,908 — — 6,343 >55-65% — — — 2,392 1,941 4,307 — — 8,640 >65-75% — 130 — 2,654 3,113 7,158 — — 13,055 Greater than 75% — — 496 1,089 3,606 9,413 — — 14,604 Total investor loans secured by real estate 690,589 3,083,122 1,208,893 1,546,339 775,029 1,848,076 10,140 — 9,162,188 Business loan secured by real estate CRE owner-occupied 55% and below 121,356 401,001 109,427 104,982 79,468 450,860 4,719 — 1,271,813 >55-65% 59,295 202,766 52,624 63,290 29,886 107,522 — — 515,383 >65-75% 60,334 190,253 105,172 103,746 35,344 32,545 — — 527,394 Greater than 75% 9,217 36,626 754 9,569 5,054 16,174 — — 77,394 Franchise real estate secured 55% and below 17,475 39,481 16,725 14,418 12,385 23,380 — — 123,864 >55-65% — 45,789 11,986 3,995 7,313 12,726 — — 81,809 >65-75% 1,792 33,932 5,426 32,540 9,235 35,728 — — 118,653 Greater than 75% 5,448 37,105 1,837 3,100 7,550 4,901 — — 59,941 SBA secured by real estate 55% and below 1,040 2,508 589 1,646 962 17,411 — — 24,156 >55-65% — 724 555 199 1,454 9,264 — — 12,196 >65-75% — 1,178 327 3,465 647 7,823 — — 13,440 Greater than 75% 5,067 3,042 886 1,823 3,585 4,271 — — 18,674 Total business loans secured by real estate $ 281,024 $ 994,405 $ 306,308 $ 342,773 $ 192,883 $ 722,605 $ 4,719 $ — $ 2,844,717 Term Loans by Vintage (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Revolving Converted to Term During the Period Total December 31, 2021 Investor loans secured by real estate CRE non-owner-occupied 55% and below $ 366,617 $ 141,752 $ 184,553 $ 171,879 $ 130,679 $ 533,990 $ 9,866 $ — $ 1,539,336 >55-65% 277,092 91,539 155,908 86,933 79,043 172,713 — — 863,228 >65-75% 64,619 36,653 58,350 131,975 5,662 25,446 — — 322,705 Greater than 75% 232 — 36,229 4,818 3,004 1,585 — — 45,868 Multifamily 55% and below 397,562 226,129 285,520 181,826 197,276 279,880 286 — 1,568,479 >55-65% 932,115 416,712 510,840 219,710 185,773 198,802 — — 2,463,952 >65-75% 906,910 306,272 391,686 41,174 94,142 67,964 — — 1,808,148 Greater than 75% 24,121 3,014 11,459 2,737 1,838 8,186 — — 51,355 Construction and land 55% and below 116,575 95,293 26,501 4,172 3,857 3,559 — — 249,957 >55-65% 2,957 2,428 5,095 6,650 — — — — 17,130 >65-75% — — 8,960 1,593 — — — — 10,553 Greater than 75% — — — — — — — — — SBA secured by real estate 55% and below — — — 632 693 2,159 — — 3,484 >55-65% — — 2,399 1,950 1,903 3,595 — — 9,847 >65-75% 130 — 2,767 3,630 4,444 4,346 — — 15,317 Greater than 75% — 497 1,093 6,162 8,709 1,808 — — 18,269 Total investor loans secured by real estate 3,088,930 1,320,289 1,681,360 865,841 717,023 1,304,033 10,152 — 8,987,628 Business loan secured by real estate CRE owner-occupied 55% and below 400,857 95,504 107,766 87,779 134,184 347,926 6,738 292 1,181,046 >55-65% 214,798 67,639 60,192 32,283 35,513 80,347 — — 490,772 >65-75% 188,022 78,589 112,217 41,874 12,241 25,460 — — 458,403 Greater than 75% 49,367 31,737 9,627 5,774 8,158 16,130 — — 120,793 Franchise real estate secured 55% and below 32,189 16,889 8,954 12,469 9,163 14,552 1,361 — 95,577 >55-65% 47,521 3,603 10,270 7,442 4,749 9,349 — — 82,934 >65-75% 39,409 13,991 32,743 11,289 29,641 9,768 — — 136,841 Greater than 75% 37,262 1,852 3,124 8,847 12,735 1,209 — — 65,029 SBA secured by real estate 55% and below 4,333 590 1,821 1,123 4,512 14,850 — — 27,229 >55-65% 452 555 199 954 1,524 8,497 — — 12,181 >65-75% 1,082 328 3,478 5,208 4,853 2,793 — — 17,742 Greater than 75% 512 891 1,833 3,902 2,535 2,359 — — 12,032 Total business loans secured by real estate $ 1,015,804 $ 312,168 $ 352,224 $ 218,944 $ 259,808 $ 533,240 $ 8,099 $ 292 $ 2,700,579 The following tables present the FICO bands, at origination, for the retail segment of the loan portfolio as of the dates indicated: Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Retail loans Single family residential Greater than 740 $ — $ 309 $ 194 $ — $ — $ 30,820 $ 18,657 — $ 49,980 >680 - 740 — — — — 31 5,410 4,278 — 9,719 >580 - 680 — — — — — 6,651 755 — 7,406 Less than 580 — — — — — 12,842 31 — 12,873 Consumer loans Greater than 740 — 7 25 26 10 929 1,847 — 2,844 >680 - 740 — 3 — 11 — 330 1,852 — 2,196 >580 - 680 — — — 4 — 51 46 — 101 Less than 580 — — — — — — 16 — 16 Total retail loans $ — $ 319 $ 219 $ 41 $ 41 $ 57,033 $ 27,482 $ — $ 85,135 December 31, 2021 Retail loans Single family residential Greater than 740 $ 313 $ 211 $ — $ — $ 1,446 $ 40,605 $ 17,553 — $ 60,128 >680 - 740 — — — 32 103 7,602 5,579 — 13,316 >580 - 680 — — — — 450 6,989 756 — 8,195 Less than 580 — — — — 9 13,612 32 — 13,653 Consumer loans Greater than 740 7 28 32 19 9 944 2,196 — 3,235 >680 - 740 4 — 17 — 2 431 1,859 — 2,313 >580 - 680 — — 5 — — 54 42 — 101 Less than 580 — — — — — — 16 — 16 Total retail loans $ 324 $ 239 $ 54 $ 51 $ 2,019 $ 70,237 $ 28,033 $ — $ 100,957 Allowance for Credit Losses for Off-Balance Sheet Commitments The Company maintains an ACL on off-balance sheet commitments related to unfunded loans and lines of credit, which is included in other liabilities of the consolidated statements of financial condition. The allowance for off-balance sheet commitments was $27.5 million at March 31, 2022, $27.3 million at December 31, 2021, and $32.8 million at March 31, 2021. The provision expense for off-balance sheet commitments of $218,000 during the three months ended March 31, 2022 was related primarily to the increase in off-balance sheet commitments. The provision expense of $1.7 million during the three months ended March 31, 2021 related primarily to an increase in outstanding unfunded loan commitments in conjunction with continued unfavorable economic conditions and forecasts reflected in the Company’s CECL model. The Company applies an expected credit loss estimation methodology for off-balance sheet commitments that is largely commensurate with the methodology applied to each respective segment of the loan portfolio in determining the ACL for loans held-for-investment. The

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	3 Months Ended
	Mar. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets The Company had goodwill of $901.3 million at March 31, 2022 and December 31, 2021, respectively. The Company recorded adjustments to goodwill associated with the acquisition of Opus in the amount of $1.6 million during the first three months of 2021, within the one-year measurement period subsequent to the acquisition date of June 1, 2020. These adjustments largely relate to the finalization of the short-year Opus tax returns. During the second quarter of 2021, the Company finalized its fair value analysis of the acquired assets and assumed liabilities associated with the Opus acquisition. The following table summarizes the change in the balance of goodwill for the periods indicated below: Three Months Ended March 31, December 31, March 31, (Dollars in thousands) 2022 2021 2021 Beginning balance $ 901,312 $ 901,312 $ 898,569 Purchase accounting adjustments — — 1,635 Ending balance $ 901,312 $ 901,312 $ 900,204 Accumulated impairment losses at end of period $ — $ — $ — The Company’s policy is to assess goodwill for impairment on an annual basis during the fourth quarter of each year, and more frequently if events or circumstances lead management to believe the value of goodwill may be impaired. Other intangible assets with definite lives were $66.0 million at March 31, 2022, consisting of $63.4 million in core deposit intangibles and $2.6 million in customer relationship intangibles. At December 31, 2021, other intangibles assets were $69.6 million, consisted of $66.9 million in core deposit intangibles and $2.7 million in customer relationship intangibles. The following table summarizes the change in the balance of core deposit intangibles and customer relationship intangibles, and the related accumulated amortization for the periods indicated below: Three Months Ended March 31, December 31, March 31, (Dollars in thousands) 2022 2021 2021 Gross amount of intangible assets: Beginning balance $ 145,212 $ 145,212 $ 145,212 Additions due to acquisitions — — — Ending balance 145,212 145,212 145,212 Accumulated amortization: Beginning balance (75,641) (71,761) (59,705) Amortization (3,593) (3,880) (4,143) Ending balance (79,234) (75,641) (63,848) Net intangible assets $ 65,978 $ 69,571 $ 81,364 six

Subordinated Debentures

Subordinated Debentures	3 Months Ended
	Mar. 31, 2022
Debt Disclosure [Abstract]
Subordinated Debentures	Subordinated Debentures As of March 31, 2022, the Company had three issuances of subordinated notes with an aggregate carrying value of $330.7 million and a weighted interest rate of 5.32%, compared to $330.6 million with a weighted interest rate of 5.33% at December 31, 2021. The following table summarizes our outstanding subordinated debentures as of the dates indicated: March 31, 2022 December 31, 2021 (Dollars in thousands) Stated Maturity Current Interest Rate Current Principal Balance Carrying Value Subordinated notes Subordinated notes due 2024, 5.75% per annum September 3, 2024 5.75 % $ 60,000 $ 59,701 $ 59,671 Subordinated notes due 2029, 4.875% per annum until May 15, 2024, 3-month LIBOR +2.5% thereafter May 15, 2029 4.875 % 125,000 123,195 123,132 Subordinated notes due 2030, 5.375% per annum until June 15, 2025, 3-month SOFR +5.170% thereafter June 15, 2030 5.375 % 150,000 147,830 147,764 Total subordinated debentures $ 335,000 $ 330,726 $ 330,567 In connection with the various issuances of subordinated notes, the Corporation obtained ratings from Kroll Bond Rating Agency (“KBRA”). KBRA assigned investment grade ratings of BBB+ and BBB for the Corporation’s senior unsecured debt and subordinated debt, respectively, and a deposit and senior unsecured debt rating of A- and subordinated debt of BBB+ for the Bank. The Corporation’s and Bank’s ratings were reaffirmed in June 2021 by KBRA. For additional information on the Company’s subordinated debentures, see “ Note 13 — Subordinated Debentures ” to the Consolidated Financial Statements of the Company’s 2021 Form 10-K. For regulatory capital purposes, subordinated notes qualify as Tier 2 capital. The regulatory total capital ratios of the Company and the Bank continued to exceed regulatory minimums, inclusive fully phased-in capital conservation buffer.

Earnings per Share

Earnings per Share	3 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
Earnings per Share	Earnings per Share The Company’s restricted stock awards contain non-forfeitable rights to dividends and therefore are considered participating securities. The Company calculates basic and diluted earnings per common share using the two-class method. Under the two-class method, distributed and undistributed earnings allocable to participating securities are deducted from net income to determine net income allocable to common shareholders, which is then used in the numerator of both basic and diluted earnings per share calculations. Basic earnings per common share is computed by dividing net income allocable to common shareholders by the weighted average number of common shares outstanding for the reporting period, excluding outstanding participating securities. Diluted earnings per common share is computed by dividing net income allocable to common shareholders by the weighted average number of common shares outstanding over the reporting period, adjusted to include the effect of potentially dilutive common shares, but excludes awards considered participating securities. The computation of diluted earnings per common share excludes the impact of the assumed exercise or issuance of securities that would have an anti-dilutive effect. The following tables set forth the Corporation’s earnings per share calculations for the periods indicated: Three Months Ended (Dollars in thousands, except per share data) March 31, 2022 December 31, 2021 March 31, 2021 Basic Net income $ 66,904 $ 84,831 $ 68,668 Less: dividends and undistributed earnings allocated to participating securities (685) (876) (665) Net income allocated to common stockholders $ 66,219 $ 83,955 $ 68,003 Weighted average common shares outstanding 93,499,695 93,415,304 93,529,147 Basic earnings per common share $ 0.71 $ 0.90 $ 0.73 Diluted Net income allocated to common stockholders $ 66,219 $ 83,955 $ 68,003 Weighted average common shares outstanding 93,499,695 93,415,304 93,529,147 Diluted effect of share-based compensation 446,379 491,187 564,497 Weighted average diluted common shares 93,946,074 93,906,491 94,093,644 Diluted earnings per common share $ 0.70 $ 0.89 $ 0.72

Fair Value of Financial Instrum

Fair Value of Financial Instruments	3 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments	Fair Value of Financial Instruments The fair value of an asset or liability is the exchange price that would be received to sell that asset or paid to transfer that liability (exit price) in an orderly transaction occurring in the principal market (or most advantageous market in the absence of a principal market) for such asset or liability. In estimating fair value, the Company utilizes valuation techniques that are consistent with the market approach, the income approach, and/or the cost approach. Such valuation techniques are consistently applied. Inputs to valuation techniques include the assumptions that market participants would use in pricing an asset or liability. ASC Topic 825 requires disclosure of the fair value of financial assets and financial liabilities, including both those financial assets and financial liabilities that are not measured and reported at fair value on a recurring basis and a non-recurring basis. The methodologies for estimating the fair value of financial assets and financial liabilities that are measured at fair value are discussed below. In accordance with accounting guidance, the Company groups its financial assets and financial liabilities measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described as follows: Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities. Level 2 - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, prepayment speeds, volatilities, etc.), or model-based valuation techniques where all significant assumptions are observable, either directly or indirectly, in the market. Level 3 - Valuation is generated from model-based techniques where one or more significant inputs are not observable, either directly or indirectly, in the market. These unobservable assumptions reflect the Company’s own estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques may include use of matrix pricing, discounted cash flow models, and similar techniques. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature, and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the fair values presented. Management uses its best judgment in estimating the fair value of the Company’s financial instruments; however, there are inherent limitations in any estimation technique. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. The Company’s valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. Management maximizes the use of observable inputs and attempts to minimize the use of unobservable inputs when determining fair value measurements. Estimated fair values are disclosed for financial instruments for which it is practicable to estimate fair value. These estimates are made at a specific point in time based on relevant market data and information about the financial instruments. These estimates do not reflect any premium or discount that could result from offering the Company’s entire holdings of a particular financial instrument for sale at one time, nor do they attempt to estimate the value of anticipated future business related to the instruments. In addition, the tax ramifications related to the realization of unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of these estimates. Assets and Liabilities Measured at Fair Value on a Recurring Basis The following is a description of both the general and specific valuation methodologies used to measure financial assets and liabilities on a recurring basis, as well as the general classification of these instruments pursuant to the fair value hierarchy. Investment Securities – Investment securities are generally valued based upon quotes obtained from independent third-party pricing services, which use evaluated pricing applications and model processes. Observable market inputs, such as, benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data are considered as part of the evaluation. The inputs are related directly to the security being evaluated, or indirectly to a similarly situated security. Market assumptions and market data are utilized in the valuation models. The Company reviews the market prices provided by the third-party pricing service for reasonableness based on the Company’s understanding of the marketplace and credit issues related to the securities. The Company has not made any adjustments to the market quotes provided by them and, accordingly, the Company categorized its investment portfolio within Level 2 of the fair value hierarchy. Interest Rate Swaps – The Company originates a variable rate loan and enters into a variable-to-fixed interest rate swap with the customer. The Company also enters into an offsetting swap with a correspondent bank. These back-to-back swap agreements are intended to offset each other and allow the Company to originate a variable rate loan, while providing a contract for fixed interest payments for the customer. The Company also enters into interest rate swap contracts with institutional counterparties to hedge against certain fixed-rate loans. The net cash flow for the Company is equal to the interest income received from a variable rate loan originated with the customer. The fair value of these derivatives is based on a market standard discounted cash flow approach. The Company incorporates credit value adjustments on derivatives to properly reflect the respective counterparty’s nonperformance risk in the fair value measurements of its derivatives. The Company has determined that the observable nature of the majority of inputs used in deriving the fair value of these derivative contracts fall within Level 2 of the fair value hierarchy, and the credit valuation adjustments are not significant to the overall valuation of its derivative financial instruments. As a result, the valuation of interest rate swaps is classified as Level 2 of the fair value hierarchy. Equity Warrant Assets – The Company acquired equity warrant assets as a result of acquisition of Opus. Opus received equity warrant assets through its lending activities as part of loan origination fees. The warrants provide the Bank the right to purchase a specific number of equity shares of the underlying company’s equity at a certain price before expiration and contain net settlement terms qualifying as derivatives under ASC Topic 815. The fair value of equity warrant assets is determined using a Black-Scholes option pricing model and are classified as Level 3 with the fair value hierarchy due to the extent of unobservable inputs. The key assumptions used in determining the fair value include the exercise price of the warrants, valuation of the underlying entity's outstanding stock, expected term, risk-free interest rate, marketability discount for private company warrants, and price volatility. The following fair value hierarchy table presents information about the Company’s financial assets and liabilities measured at fair value on a recurring basis at the dates indicated: March 31, 2022 Fair Value Measurement Using (Dollars in thousands) Level 1 Level 2 Level 3 Total Fair Value Financial assets AFS investment securities: U.S. Treasury $ — $ 13,990 $ — $ 13,990 Agency — 375,777 — 375,777 Corporate debt — 595,065 — 595,065 Municipal bonds — 415,284 — 415,284 Collateralized mortgage obligations — 855,256 — 855,256 Mortgage-backed securities — 966,723 — 966,723 Total AFS investment securities $ — $ 3,222,095 $ — $ 3,222,095 Derivative assets: Interest rate swaps $ — $ 42,972 $ — $ 42,972 Equity warrants — — 1,908 1,908 Total derivative assets $ — $ 42,972 $ 1,908 $ 44,880 Financial liabilities Derivative liabilities: Interest rate swaps $ — $ 4,241 $ — $ 4,241 December 31, 2021 Fair Value Measurement Using (Dollars in thousands) Level 1 Level 2 Level 3 Total Financial assets AFS investment securities: U.S. Treasury $ — $ 57,866 $ — $ 57,866 Agency — 432,135 — 432,135 Corporate debt — 453,861 — 453,861 Municipal bonds — 1,089,913 — 1,089,913 Collateralized mortgage obligations — 676,643 — 676,643 Mortgage-backed securities — 1,563,446 — 1,563,446 Total AFS investment securities $ — $ 4,273,864 $ — $ 4,273,864 Derivative assets: Interest rate swaps $ — $ 10,100 $ — $ 10,100 Equity warrants — — 1,889 1,889 Total derivative assets $ — $ 10,100 $ 1,889 $ 11,989 Financial liabilities Derivative liabilities: Interest rate swaps $ — $ 5,263 $ — $ 5,263 The following table is a reconciliation of the fair value of the equity warrants that are classified as Level 3 and measured on a recurring basis as of: Three Months Ended March 31, December 31, March 31, (Dollars in thousands) 2022 2021 2021 Beginning balance $ 1,889 $ 1,895 $ 1,914 Change in fair value (1) 19 (6) (3) Ending balance $ 1,908 $ 1,889 $ 1,911 ______________________________ (1) The changes in fair value are included in other income on the consolidated statement of income. The following table presents quantitative information about Level 3 fair value measurements for assets measured at fair value on a recurring basis at the dates indicated. March 31, 2022 Range (Dollars in thousands) Fair Value Valuation Technique(s) Unobservable Input(s) Min Max Weighted Average Equity warrants $ 1,908 Black-Scholes Volatility 30.00% 1.63% 5.50% 35.00% 2.45% 16.00% 31.16% 1.82% 13.56% December 31, 2021 Range (Dollars in thousands) Fair Value Valuation Technique(s) Unobservable Input(s) Min Max Weighted Average Equity warrants $ 1,889 Black-Scholes Volatility 30.00% 0.39% 6.00% 35.00% 0.97% 16.00% 31.14% 0.52% 13.61% Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis Individually Evaluated Loans – A loan is individually evaluated for expected credit losses when it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement and it does not share similar risk characteristics with other loans. Individually evaluated loans are measured based on the fair value of the underlying collateral or the discounted expected future cash flows. Collateral generally consists of accounts receivable, inventory, fixed assets, real estate, and cash. The Company measures impairment on all nonaccrual loans for which it has reduced the principal balance to the value of the underlying collateral less the anticipated selling cost. The fair value of individually evaluated loans were determined using Level 3 assumptions, and represents individually evaluated loan balances for which a specific reserve has been established or on which a write down has been taken. For real estate loans, generally, the Company obtains third party appraisals (or property valuations) and/or collateral audits in conjunction with internal analysis based on historical experience on its individually evaluated loans and other real estate owned to determine fair value. In determining the net realizable value of the underlying collateral for individually evaluated loans, the Company will then discount the valuation to cover both market price fluctuations and selling costs, typically ranging from 7% to 10% of the collateral value, that the Company expected would be incurred in the event of foreclosure. In addition to the discounts taken, the Company’s calculation of net realizable value considered any other senior liens in place on the underlying collateral. For non-real estate loans, fair value of the loan’s collateral may be determined using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions, and management’s expertise and knowledge of the client and client’s business. At March 31, 2022, the Company’s individually evaluated collateral dependent loans were evaluated based on the fair value of their underlying collateral based upon the most recent appraisals available to management. The Company completed partial charge-offs on certain individually evaluated loans based on recent real estate or property appraisals and released the related reserves during the three months ended March 31, 2022. The following table presents our assets measured at fair value on a nonrecurring basis at the dates indicated. March 31, 2022 (Dollars in thousands) Level 1 Level 2 Level 3 Total Financial assets Collateral dependent loans $ — $ — $ 33,869 $ 33,869 December 31, 2021 (Dollars in thousands) Level 1 Level 2 Level 3 Total Financial assets Collateral dependent loans $ — $ — $ 937 $ 937 The following table presents quantitative information about Level 3 fair value measurements for assets measured at fair value on a nonrecurring basis at the dates indicated. March 31, 2022 Range (Dollars in thousands) Fair Value Valuation Technique(s) Unobservable Input(s) Min Max Weighted Average Investor loans secured by real estate CRE non-owner-occupied $ 8,590 Fair value of collateral Collateral discount and cost to sell 7.00% 7.00% 7.00% Commercial loans Commercial and industrial 25,279 Fair value of collateral Collateral discount and cost to sell —% 7.40% 6.35% Total individually evaluated loans $ 33,869 December 31, 2021 Range (Dollars in thousands) Fair Value Valuation Technique(s) Unobservable Input(s) Min Max Weighted Average Investor loans secured by real estate SBA secured by real estate (1) $ 937 Fair value of collateral Collateral discount and cost to sell 10.00% 10.00% 10.00% Total individually evaluated loans $ 937 ______________________________ (1) SBA loans that are collateralized by hotel/motel real property. Fair Values of Financial Instruments The fair value estimates presented herein are based on pertinent information available to management as of the dates indicated, representing an exit price. At March 31, 2022 (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Estimated Assets Cash and cash equivalents $ 809,259 $ 809,259 $ — $ — $ 809,259 Interest-bearing time deposits with financial institutions 2,216 2,216 — — 2,216 Investment securities held-to-maturity 996,382 — 886,050 — 886,050 Investment securities available-for-sale 3,222,095 — 3,222,095 — 3,222,095 Loans held for sale 11,646 — 12,622 — 12,622 Loans held for investment, net 14,733,755 — — 14,623,169 14,623,169 Derivative assets 44,880 — 42,972 1,908 44,880 Accrued interest receivable 60,922 — 60,922 — 60,922 Liabilities Deposit accounts $ 17,689,223 $ — $ 17,685,458 $ — $ 17,685,458 FHLB advances 600,000 — 598,334 — 598,334 Subordinated debentures 330,726 — 338,603 — 338,603 Derivative liabilities 4,241 — 4,241 — 4,241 Accrued interest payable 5,115 — 5,115 — 5,115 At December 31, 2021 (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Estimated Assets Cash and cash equivalents $ 304,703 $ 304,703 $ — $ — $ 304,703 Interest-bearing time deposits with financial institutions 2,216 2,216 — — 2,216 Investment securities held-to-maturity 381,674 — 384,423 — 384,423 Investment securities available-for-sale 4,273,864 — 4,273,864 — 4,273,864 Loans held for sale 10,869 — 11,959 — 11,959 Loans held for investment, net 14,295,897 — — 14,392,684 14,392,684 Derivative assets 11,989 — 10,100 1,889 11,989 Accrued interest receivable 65,728 65,728 — — 65,728 Liabilities Deposit accounts $ 17,115,589 $ 16,057,316 $ 1,058,822 $ — $ 17,116,138 FHLB advances 550,000 — 550,093 — 550,093 Other borrowings 8,000 — 8,000 — 8,000 Subordinated debentures 330,567 — 350,359 — 350,359 Derivative liabilities 5,263 — 5,263 — 5,263 Accrued interest payable 2,366 2,366 — — 2,366

Derivative Instruments

Derivative Instruments	3 Months Ended
	Mar. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Instruments	Derivative Instruments The Company uses derivative instruments to manage its exposure to market risks, including interest rate risk, and to assist customers with their risk management objectives. The Company designates certain derivatives as hedging instruments in a qualifying hedge accounting relationship, while other derivatives serve as economic hedges that do not qualify for hedge accounting. Derivatives Designated as Hedging Instruments Fair Value Hedges – The Company is exposed to changes in the fair value of fixed-rate assets due to changes in benchmark interest rates. During the second half of 2021, the Company entered into pay-fixed and receive-floating interest rate swaps associated with certain fixed rate loans, primarily commercial real estate loans, to manage its exposure to changes in fair value on these instruments attributable to changes in the designated USD-SOFR-COMPOUND benchmark interest rate. These interest rate swaps are designated as fair value hedges using the last-of-layer method. The Company receives variable-rate interest payments in exchange for making fixed-rate payments over the lives of the contracts without exchanging the notional amounts. The fair value hedges are recorded as components of other assets and other liabilities in the Company’s consolidated statements of financial condition. The gain or loss on these derivatives, as well as the offsetting loss or gain on the hedged items attributable to the hedged risk are recognized in interest income in the Company’s consolidated statements of income. At March 31, 2022 and December 31, 2021, interest rate swaps with an aggregate notional amount of $1.20 billion were designated as fair value hedges. The following amounts were recorded on the consolidated statement of financial condition related to cumulative basis adjustment for fair value hedges as of the dates indicated: Line Item in the Statement of Financial Position in Which the Hedged Item is Included Carrying Amount of the Hedged Assets Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets (Dollars in thousands) March 31, 2022 December 31, 2021 March 31, 2022 December 31, 2021 Loans held for investment (1) $ 1,160,779 $ 1,194,702 $ (39,221) $ (5,298) Total $ 1,160,779 $ 1,194,702 $ (39,221) $ (5,298) ______________________________ (1) These amounts include the amortized cost basis of closed portfolios used to designate hedging relationships in which the hedged item is the last layer expected to be remaining at the end of the hedging relationship. At March 31, 2022 and December 31, 2021, the amortized cost basis of the closed portfolios used in these hedging relationships was $3.47 billion and $3.61 billion, respectively, the cumulative basis adjustments associated with these hedging relationships was $(39.2) million and $(5.3) million, respectively; and the amounts of the designated hedged items were $1.20 billion and $1.20 billion, respectively. Derivatives Not Designated as Hedging Instruments Interest Rate Swap Contracts – From time to time, the Company enters into interest rate swap agreements with certain borrowers to assist them in mitigating their interest rate risk exposure associated with the loans they have with the Company. At the same time, the Company enters into identical interest rate swap agreements with another financial institution to mitigate the Company’s interest rate risk exposure associated with the swap agreements it enters into with its borrowers. The Company had over-the-counter derivative instruments and centrally-cleared derivative instruments with matched terms. The fair values of these agreements are determined through a third party valuation model used by the Company’s swap advisory firm, which uses observable market data such as interest rates, prices of Eurodollar futures contracts, and market swap rates. The fair values of these swaps are recorded as components of other assets and other liabilities in the Company’s consolidated balance sheet. Changes in the fair value of these swaps, which occur due to changes in interest rates, are recorded in the Company’s income statement as a component of noninterest income. Over-the-counter contracts are tailored to meet the needs of the counterparties involved and, therefore, generally contain a greater degree of credit risk and liquidity risk than centrally-cleared contracts, which have standardized terms. Although changes in the fair value of swap agreements between the Company and borrowers and the Company and other financial institutions offset each other, changes in the credit risk of these counterparties may result in a difference in the fair value of these swap agreements. Offsetting over-the-counter swap agreements the Company has with other financial institutions are collateralized with cash and investment securities, and swap agreements with borrowers are secured by the collateral arrangements for the underlying loans these borrowers have with the Company. All interest rate swap agreements entered into by the Company are free-standing derivatives and are not designated as hedging instruments. Equity Warrant Assets – The Company acquired equity warrant assets as a result of the acquisition of Opus. Opus received equity warrant assets through its lending activities, which were accounted for as loan origination fees. The warrants provide the Bank the right to purchase a specific number of equity shares of the respective underlying private company at a certain price before expiration and contain net settlement terms qualifying as derivatives under ASC Topic 815. The Company no longer has loans associated with these borrowers. Changes in the fair value of the warrants are recognized as a component of noninterest income with a corresponding offset within other assets. The total fair value of the warrants was $1.9 million in other assets as of March 31, 2022 and December 31, 2021. The two remaining warrants expire on March 12, 2023 and July 28, 2025, respectively. The following tables summarize the Company's derivative instruments included in other assets and other liabilities in the consolidated statements of financial condition: March 31, 2022 Derivative Assets Derivative Liabilities (Dollars in thousands) Notional Fair Value Notional Fair Value Derivative instruments designated as hedging instruments: Fair value hedge - interest rate swap contracts $ 1,200,000 $ 38,734 $ — $ — Total derivative designated as hedging instruments 1,200,000 38,734 — — Derivative instruments not designated as hedging instruments: Interest rate swaps contracts 130,444 4,238 130,444 4,241 Equity warrants — 1,908 — — Total derivative not designated as hedging instruments 130,444 6,146 130,444 4,241 Total derivatives $ 1,330,444 $ 44,880 $ 130,444 $ 4,241 December 31, 2021 Derivative Assets Derivative Liabilities (Dollars in thousands) Notional Fair Value Notional Fair Value Derivative instruments designated as hedging instruments: Fair value hedge - interest rate swap contracts $ 1,100,000 $ 4,874 $ 100,000 $ 33 Total derivative designated as hedging instruments 1,100,000 4,874 100,000 33 Derivative instruments not designated as hedging instruments: Interest rate swaps contracts 132,056 5,226 132,056 5,230 Equity warrants — 1,889 — — Total derivative not designated as hedging instruments 132,056 7,115 132,056 5,230 Total derivatives $ 1,232,056 $ 11,989 $ 232,056 $ 5,263 The following table presents the effect of fair value hedge accounting on the consolidated statements of income: For the Three Months Ended (Dollars in thousands) Location of Gain (Loss) Recognized in Income on Derivative Instruments March 31, 2022 December 31, 2021 March 31, 2021 Gain (loss) on fair value hedging relationships: Hedged items Interest Income $ (33,924) $ (4,271) $ — Derivatives designated as hedging instruments Interest Income 32,257 3,451 — The following table summarizes the effect of the derivatives not designated as hedging instruments in the consolidated statements of income. (Dollars in thousands) For the Three Months Ended Derivatives Not Designated as Hedging Instruments: Location of Gain (Loss) Recognized in Income on Derivative Instruments March 31, 2022 December 31, 2021 March 31, 2021 Interest rate products Other income $ 1 $ — $ 7 Equity warrants Other income 19 (5) (3) Total $ 20 $ (5) $ 4

Balance Sheet Offsetting

Balance Sheet Offsetting	3 Months Ended
	Mar. 31, 2022
Offsetting [Abstract]
Balance Sheet Offsetting	Balance Sheet Offsetting Derivative financial instruments may be eligible for offset in the consolidated statements of financial condition, such as those subject to enforceable master netting arrangements or a similar agreement. Under these agreements, the Company has the right to net settle multiple contracts with the same counterparty. The Company offers an interest rate swap product to qualified customers, which are then paired with derivative contracts the Company enters into with a counterparty bank. While derivative contracts entered into with counterparty banks may be subject to enforceable master netting agreements, derivative contracts with customers may not be subject to enforceable master netting arrangements. The Company elected to account for centrally-cleared derivative contracts on a gross basis. With regard to derivative contracts not centrally cleared through a clearinghouse, regulations require collateral to be posted by the party with a net liability position. Parties to a centrally cleared over-the-counter derivative exchange daily payments that reflect the daily change in the value of the derivative. These payments are commonly referred to as variation margin and are treated as settlements of derivative exposure rather than as collateral. Financial instruments that are eligible for offset in the consolidated statements of financial condition as of the periods indicated are presented below: Gross Amounts Not Offset in the Consolidated (Dollars in thousands) Gross Amounts Recognized Gross Amounts Offset in the Consolidated Statements of Financial Condition Net Amounts Presented in the Consolidated Statements of Financial Condition Financial Instruments (1) Cash Collateral (2) Net Amount March 31, 2022 Derivative assets: Interest rate swaps $ 42,972 $ — $ 42,972 $ — $ (25,345) $ 17,627 Total $ 42,972 $ — $ 42,972 $ — $ (25,345) $ 17,627 Derivative liabilities: Interest rate swaps $ 4,241 $ — $ 4,241 $ — $ (172) $ 4,069 Total $ 4,241 $ — $ 4,241 $ — $ (172) $ 4,069 December 31, 2021 Derivative assets: Interest rate swaps $ 10,100 $ — $ 10,100 $ — $ — $ 10,100 Total $ 10,100 $ — $ 10,100 $ — $ — $ 10,100 Derivative liabilities: Interest rate swaps $ 5,263 $ — $ 5,263 $ (4,377) $ (886) $ — Total $ 5,263 $ — $ 5,263 $ (4,377) $ (886) $ — (1) Represents the fair value of securities pledged with counterparty bank. (2) Represents cash collateral received from or pledged with counterparty bank.

Leases

Leases	3 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Leases	Leases The Company accounts for its leases in accordance with ASC 842, which requires the Company to record liabilities for future lease obligations as well as assets representing the right to use the underlying leased asset. The Company’s leases primarily represent future obligations to make payments for the use of buildings or space for its operations. Liabilities to make future lease payments are recorded in accrued expenses and other liabilities, while right-of-use assets are recorded in other assets in the Company’s consolidated statements of financial condition. At March 31, 2022, all of the Company’s leases were classified as operating leases or short-term leases. Short-term leases are leases that have a term of 12 months or less at commencement. Liabilities to make future lease payments and right-of-use assets are determined based on the total contractual base rents for each lease, which include options to extend or renew each lease, where applicable, and where the Company believes it has an economic incentive to extend or renew the lease. Future contractual base rents are discounted using the rate implicit in the lease or the Company’s estimated incremental borrowing rate if the rate implicit in the lease is not readily determinable. Liabilities to make future lease payments on operating leases are reduced by periodic contractual lease payments net of periodic interest accretion. Right-of-use assets for operating leases are amortized over the term of the associated lease by amounts that represent the difference between periodic straight-line lease expense and periodic interest accretion on the related liability to make future lease payments. The Company recognizes expense for both operating leases and short-term leases on a straight-line basis. The Company’s lease expense is recorded in premises and occupancy expense in the consolidated statements of income. The following table presents the components of lease expense for the periods indicated: Three Months Ended (Dollars in thousands) March 31, 2022 December 31, 2021 March 31, 2021 Operating lease $ 4,738 $ 4,756 5,012 Short-term lease 490 353 507 Total lease expense $ 5,228 $ 5,109 $ 5,519 The following table presents supplemental information related to operating leases as of and for three months ended: (Dollars in thousands) March 31, 2022 December 31, 2021 Balance Sheet: Operating lease right-of-use assets $ 60,819 $ 64,009 Operating lease liabilities 69,151 72,541 Three Months Ended (Dollars in thousands) March 31, 2022 March 31, 2021 Cash Flows: Operating cash outflow from operating leases $ 4,959 $ 2,000 The following table provides information related to minimum contractual lease payments and other information associated with the Company’s leases as of the dates indicated: (Dollars in thousands) 2022 2023 2024 2025 2026 Thereafter Total March 31, 2022 Operating leases $ 14,779 $ 19,163 $ 17,111 $ 11,400 $ 5,731 $ 9,541 $ 77,725 Short-term leases 320 — — — — — 320 Total contractual base rents (1) $ 15,099 $ 19,163 $ 17,111 $ 11,400 $ 5,731 $ 9,541 $ 78,045 Total liability to make lease payments $ 69,151 Difference in undiscounted and discounted future lease payments $ 8,574 Weighted average discount rate 5.51 % Weighted average remaining lease term (years) 4.6 ______________________________ (1) Contractual base rents reflect options to extend and renewals, and do not include property taxes and other operating expenses due under respective lease agreements. The Company from time to time leases portions of space it owns to other parties. Income received from these transactions is recorded on a straight-line basis over the term of the sublease. For the three months ended March 31, 2022, December 31, 2021, and March 31, 2021, rental income totaled $125,000, $175,000, and $175,000, respectively.

Variable Interest Entities

Variable Interest Entities	3 Months Ended
	Mar. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Variable Interest Entities	Variable Interest Entities The Company is involved with VIEs through its loan securitization activities, affordable housing investments that qualify for the low-income housing tax credit (“LIHTC”), and trust subsidiaries, which have issued trust preferred securities. The Company has determined that its interests in these entities meet the definition of variable interests. As of March 31, 2022 and December 31, 2021, the Company determined it was not the primary beneficiary of the VIEs and did not consolidate its interests in VIEs. The following table provides a summary of the carrying amount of assets and liabilities in the Company’s consolidated statements of financial condition and maximum exposure to loss as of March 31, 2022 and December 31, 2021 that relate to variable interests in non-consolidated VIEs. March 31, 2022 December 31, 2021 (Dollars in thousands) Maximum Loss Assets Liabilities Maximum Loss Assets Liabilities Multifamily loan securitization: Investment securities (1) $ 77,939 $ 77,939 $ — $ 81,103 $ 81,103 $ — Reimbursement obligation (2) 50,901 — 338 50,901 — 338 Affordable housing partnership: Other investments (3) 65,861 82,732 — 68,765 85,994 — Unfunded equity commitments (2) — — 16,871 — — 17,229 Total $ 194,701 $ 160,671 $ 17,209 $ 200,769 $ 167,097 $ 17,567 ______________________________ (1) Included in investment securities AFS on the consolidated statement of financial condition. (2) Included in accrued expenses and other liabilities on the consolidated statement of financial condition. (3) Included in other assets on the consolidated statement of financial condition. . Multifamily loan securitization With respect to the securitization transaction with Freddie Mac discussed in Note 5 - Loans Held for Investment , the Company’s variable interests reside with the underlying Freddie Mac-issued guaranteed, structured pass-through certificates that were held as investment securities AFS at fair value as of March 31, 2022. Additionally, the Company has variable interests through a reimbursement agreement executed by Freddie Mac that obligates the Company to reimburse Freddie Mac for any defaulted contractual principal and interest payments identified after the ultimate resolution of the defaulted loans. Such reimbursement obligations are not to exceed 10% of the original principal amount of the loans comprising the securitization pool. As part of the securitization transaction, the Company released all servicing obligations and rights to Freddie Mac who was designated as the Master Servicer. In its capacity as Master Servicer, Freddie Mac can terminate the Company’s role as sub-servicer and direct such responsibilities accordingly. In evaluating our variable interests and continuing involvement in the VIE, we determined that we do not have the power to make significant decisions or direct the activities that most significantly impact the economic performance of the VIE’s assets and liabilities. As sub-servicer of the loans, the Company does not have the authority to make significant decisions that influence the value of the VIE’s net assets and, therefore, the Company is not the primary beneficiary of the VIE. As a result, we determined that the VIE associated with the multifamily securitization should not be included in the consolidated financial statements of the Company. We believe that our maximum exposure to loss as a result of our involvement with the VIE associated with the securitization is the carrying value of the investment securities issued by Freddie Mac and purchased by the Company. Additionally, our maximum exposure to loss under the reimbursement agreement executed with Freddie Mac is 10% of the original principal amount of the loans comprising the securitization pool, or $50.9 million. Based upon our analysis of quantitative and qualitative data over the underlying loans included in the securitization pool, as of March 31, 2022 and December 31, 2021, our reserve for estimated losses with respect to the reimbursement obligation was $338,000. Investments in qualified affordable housing partnerships The Company has variable interests through its affordable housing partnership investments. These investments are fundamentally designed to provide a return through the generation of income tax credits. The Company has evaluated its involvement with the low-income housing projects and determined it does not have significant influence or decision making capabilities to manage the projects, and therefore, is not the primary beneficiary, and does not consolidate these interests.

Subsequent Events

Subsequent Events	3 Months Ended
	Mar. 31, 2022
Subsequent Events [Abstract]
Subsequent Events	Subsequent EventsQuarterly cash dividendOn April 22, 2022, the Corporation’s Board of Directors declared a cash dividend of $0.33 per share, payable on May 13, 2022 to shareholders of record on May 6, 2022.

Significant Accounting Polici_2

Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2022
Accounting Policies [Abstract]
Principles of Consolidation	The consolidated financial statements include the accounts of Pacific Premier Bancorp, Inc. (the “Corporation”) and its wholly owned subsidiaries, including Pacific Premier Bank (the “Bank”) (collectively, the “Company,” “we,” “our,” or “us”). All significant intercompany accounts and transactions have been eliminated in consolidation.
Basis of Financial Statement Presentation	In the opinion of management, the unaudited consolidated financial statements reflect all normal recurring adjustments and accruals that are necessary for a fair presentation of the statement of financial position and the results of operations for the interim periods presented. The results of operations for the three months ended March 31, 2022 are not necessarily indicative of the results that may be expected for any other interim period or the full year ending December 31, 2022. Certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”). The unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021 (the “2021 Form 10-K”).
Variable Interest Entities	The Company consolidates voting entities in which the Company has control through voting interests or entities through which the Company has a controlling financial interest in a variable interest entity (“VIE”). The Company evaluates its interests in these entities to determine whether they meet the definition of a VIE and whether the Company is required to consolidate these entities. A VIE is consolidated by its primary beneficiary, which is the party that has both (i) the power to direct the activities that most significantly impact the economic performance of the VIE and (ii) a variable interest that could potentially be significant to the VIE. To determine whether or not a variable interest the Company holds could potentially be significant to the VIE, the Company considers both qualitative and quantitative factors regarding the nature, size, and form of the Company's involvement with the VIE.The Company is involved with VIEs through its loan securitization activities, affordable housing investments that qualify for the low-income housing tax credit (“LIHTC”), and trust subsidiaries, which have issued trust preferred securities. The Company has determined that its interests in these entities meet the definition of variable interests.
Recently Issued Accounting Pronouncements	Recent Accounting Guidance Not Yet Effective In March 2022, the FASB issued Accounting Standards Update (“ASU”) 2022-02, Financial Instruments - Credit Losses (Topic 326) Troubled Debt Restructurings and Vintage Disclosures . The FASB issued this Update in response to feedback the FASB received from various stakeholders in its post-implementation review process related to the issuance of ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, which was effective for the Company on January 1, 2020. The amendments in this Update include the elimination of accounting guidance for troubled debt restructurings in Subtopic 310-40 - Receivables - Troubled Debt Restructurings by Creditors , and introduce new disclosures and enhance existing disclosures concerning certain loan refinancings and restructurings when a borrower is experiencing financial difficulty. Rather than applying the recognition and measurement guidance of troubled debt restructurings (“TDRs”), an entity must determine whether a modification results in a new loan or the continuation of an existing loan. Further, the amendments in this Update require that a public business entity disclose current period gross charge-offs on financing receivables within the scope of ASC 326-20, Financial Instruments - Credit Losses - Measured at Amortized Cost , by year of origination and class of financing receivable. The amendments in this Update are effective for the Company in fiscal years beginning after December 15, 2022, as well as interim periods within those years. Early adoption is permitted. The amendments in this Update are to be applied prospectively. However, for the transition method related to the recognition and measurement of TDRs, an entity has the option to apply a modified retrospective transition method, resulting in a cumulative effect adjustment to the opening balance of retained earnings in the period of adoption. The Company is currently evaluating the impact of this Update on the Company’s consolidated financial statements. In March 2022, the FASB issued ASU 2022-01, Derivatives and Hedging (Topic 815) Fair Value Hedging - Portfolio Layer Method . The amendments in this Update make targeted improvements to fair value hedge accounting and more specifically to the last-of-layer hedge accounting method. This Update expands the last-of-layer hedge accounting method to allow for multiple hedged layers to be designated for a single closed portfolio of prepayable financial assets, and renames this accounting method the “portfolio layer method.” The provisions of this Update also include: (i) expanding the scope of the portfolio layer method to nonprepayable financial assets, (ii) specifying that eligible hedging instruments in a single layer hedge may include spot-starting or forward-starting constant-notional or amortizing-notional swaps and that the number of hedged layers corresponds with the number of hedges designated, (iii) specifies that an entity hedging multiple amounts in a closed portfolio using a single amortizing-notional swap is executing a single-layer hedge, (iv) provides additional guidance on the accounting for and disclosure of hedge basis adjustments resulting from a fair value hedge under the portfolio layer method by requiring such basis adjustments be maintained at the portfolio level and not allocated to individual assets, and to disclose basis adjustments as a reconciling item in certain disclosures, such as those for loans, and (v) specifies that an entity is to exclude hedge basis adjustments in the determination of credit losses on the assets within the closed portfolio. The provisions of this Update are effective for the Company in fiscal years beginning after December 15, 2022, as well as interim periods within those years. Early adoption is permitted. Entities may designate multiple layer hedges only on a prospective basis upon the adoption of this Update. The provisions of this Update that relate to hedge basis adjustments, except for those related to disclosure, are to be applied on a modified retrospective basis through a cumulative effect adjustment to the opening balance of retained earnings in the period of adoption. The provisions of this Update that relate to disclosure may be applied on a prospective basis or on a retrospective basis to each prior period presented. The Company is currently evaluating the impact of this Update on the Company’s consolidated financial statements. In October 2021, the FASB issued ASU 2021-08, Business Combinations - Accounting for Contract Assets and Contract Liabilities from Contracts with Customers . The amendments in this Update address how to determine whether a contract liability is recognized by an acquirer in a business combination. In addition, the Update addresses inconsistencies in the recognition and measurement of acquired contract assets and contract liabilities from revenue contracts in a business combination. The amendments in this Update are effective for the Company in fiscal years beginning after December 15, 2022, as well as all interim periods within those years. Early adoption is permitted. An entity that early adopts in an interim period should apply the amendments (1) retrospectively to all business combinations for which the acquisition date occurs on or after the beginning of the fiscal year that includes the interim period of early application, and (2) prospectively to all business combinations that occur on or after the date of initial application. The Company has not yet adopted the provisions of this Update. The Company does not currently anticipate the adoption of this Update will have a material impact on the Company’s consolidated financial statements. In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848) — Facilitation of the Effects of Reference Rate Reform on Financial Reporting . In response to concerns about structural risks of Interbank Offered Rates (“IBORs”), and particularly, the risk of cessation of the London Interbank Offered Rate (“LIBOR”), regulators around the world have undertaken reference rate reform initiatives to identify alternative reference rates that are more observable or transaction-based and less susceptible to manipulation. The amendments in this Update provide optional guidance for a limited time to ease the potential burden in accounting for (or recognizing the effects of) reference rate reform on financial reporting as well as optional expedients and exceptions for applying GAAP to contracts, hedging relationships, and other transactions affected by reference rate reform if certain criteria are met. The amendments in this Update apply only to contracts and hedging relationships that reference LIBOR or another reference rate expected to be discontinued due to reference rate reform. The expedients and exceptions provided by the amendments do not apply to contract modifications made and hedging relationships entered into or evaluated after December 31, 2022. The amendments in this Update are elective and became effective upon issuance for all entities. An entity may elect to apply the amendments for contract modifications by Topic or Industry Subtopic as of any date from the beginning of an interim period that includes or is subsequent to March 12, 2020, or prospectively from a date within an interim period that includes or is subsequent to March 12, 2020, up to the date that the financial statements are available to be issued. Once elected for a Topic or an Industry Subtopic, the amendments in this Update must be applied prospectively for all eligible contract modifications for that Topic or Industry Subtopic. The Company has not yet made a determination on whether it will make this election and is currently tracking the exposure as of each reporting period and assessing the significance of impact towards implementing any necessary modification in consideration of the election of this amendment. An entity may elect to apply the amendments in this Update to eligible hedging relationships existing as of the beginning of the interim period that includes March 12, 2020 and to new eligible hedging relationships entered into after the beginning of the interim period that includes March 12, 2020. The Company has not entered into any hedging related transactions that reference LIBOR or another reference rate that is expected to be discontinued, and as such, the amendments included in this Update have not had an impact on the Company’s Consolidated Financial Statements.
Securities	Securities. The Company has established written guidelines and objectives for its investing activities. At the time of purchase, management designates the security as either held-to-maturity, available-for-sale, or held for trading based on the Company’s investment objectives, operational needs, and intent. The investments are monitored to ensure that those activities are consistent with the established guidelines and objectives.
Securities Held-to-Maturity/Securities Available-for-Sale	Securities Held-to-Maturity (“HTM”). Investments in debt securities that management has the positive intent and ability to hold to maturity are reported at cost and adjusted for periodic principal payments and the amortization of premiums and accretion of discounts, which are recognized in interest income using the interest method over the period of time remaining to investment’s maturity. The Company accounts for transfers of debt securities from available-for-sale classification to held-to-maturity classification at fair value on the transfer date. Any associated unrealized gains or losses on such securities become part of the security’s amortized cost at the time of transfer and are subsequently amortized or accreted into interest income over the remaining life of the security using the interest method. In addition, the related unrealized gains and losses included in accumulated other comprehensive income on the date of transfer are also subsequently amortized or accreted into interest income over the remaining life of the security using the interest method. Securities Available-for-Sale (“AFS”). Investments in debt securities that management has no immediate plan to sell, but which may be sold in the future, are carried at fair value. Premiums and discounts are amortized using the interest method over the remaining period to the call date for premiums or contractual maturity for discounts and, in the case of mortgage-backed securities, the estimated average life, which can fluctuate based on the anticipated prepayments on the underlying collateral of the securities. Unrealized holding gains and losses, net of tax, are recorded in accumulated other comprehensive income. Realized gains and losses on the sales of securities are determined on the specific identification method, recorded on a trade date basis based on the amortized cost basis of the specific security and are included in noninterest income as net gain (loss) on investment securities.
Allowance for Credit Losses on Investment Securities	Allowance for Credit Losses on Investment Securities . The allowance for credit losses (“ACL”) on investment securities is determined for both the HTM and AFS classifications of the investment portfolio in accordance with the guidance ASC 326. The ACL for investment securities is evaluated on a quarterly basis. The ACL for HTM investment securities is recorded at the time of purchase or acquisition, representing the Company’s best estimate of current expected credit losses (“CECL”) as of the date for the consolidated statements of financial condition. The ACL for HTM investment securities is determined on a collective basis, based on shared risk characteristics, and is determined at the individual security level when the Company deems a security to no longer possess shared risk characteristics. For investment securities where the Company has reason to believe the credit loss exposure is remote, such as those guaranteed by the U.S. government or other government enterprises, a zero credit loss assumption is applied. For available-for-sale investment securities, the Company performs a qualitative evaluation for securities in an unrealized loss position to determine if, for those investments in an unrealized loss position, the decline in fair value is credit related or non-credit related. In determining whether a security’s decline in fair value is credit related, the Company considers a number of factors including, but not limited to: (i) the extent to which the fair value of the investment is less than its amortized cost; (ii) the financial condition and near-term prospects of the issuer; (iii) downgrades in credit ratings, (iv) payment structure of the security, (v) the ability of the issuer of the security to make scheduled principal and interest payments, and (vi) general market conditions which reflect prospects for the economy as a whole, including interest rates and sector credit spreads. If it is determined that the unrealized loss, or a portion thereof, is credit related, the Company records the amount of credit loss through a charge to provision for credit losses in current period earnings. However, the amount of credit loss recorded in current period earnings is limited to the amount of the total unrealized loss on the security, which is measured as the amount by which the security’s fair value is below its amortized cost. If it is likely the Company will be required to sell the security in an unrealized loss position, the total amount of the loss is recognized in current period earnings. Unrealized losses deemed non-credit related are recorded, net of tax, through accumulated other comprehensive income. The Company determines expected credit losses on AFS and HTM securities through a discounted cash flow approach, using the security’s effective interest rate. However, as previously mentioned, the measurement of credit losses on available-for-sale securities only occurs when, through the Company’s qualitative assessment, it is determined all or a portion of the unrealized loss is deemed to be credit related. The Company’s discounted cash flow approach incorporates assumptions about the collectability of future cash flows. The amount of credit loss is measured as the amount by which the security’s amortized cost exceeds the present value of expected future cash flows. Credit losses on available-for-sale securities are measured on an individual basis. The Company does not measure credit losses on an investment’s accrued interest receivable, but rather promptly reverses from current period earnings the amount of accrued interest that is no longer deemed collectable. Accrued interest receivable for investment securities is included in accrued interest receivable balances in the consolidated statements of financial condition.
Equity Investments	Equity Investments. Equity investments that have readily determinable fair values are carried at fair value with changes in fair value recognized in current period earnings as a component of noninterest income. Equity investments that do not have readily determinable fair values are carried at cost, adjusted for any observable price changes in orderly transactions for identical or similar investments of the same issuer. Such investments are also recorded net of any previously recognized impairment. Certain equity securities the Company holds, such as investments in the stock of the Federal Home Loan Bank and the Federal Reserve Bank of San Francisco are carried at cost, less any previously recognized impairment. Investment in these securities is restricted to member banks and the securities are not actively traded on an exchange.
Loans Held for Investment/Investor Loans Secured by Real Estate/Acquired Loans	Loans Held for Investment. Loans held for investment are loans the Company has the ability and intent to hold until their maturity. These loans are carried at amortized cost, net of discounts and premiums on acquired and purchased loans, and net deferred loan origination fees and costs. Purchase discounts and premiums and net deferred loan origination fees and costs on loans are accreted or amortized in interest income as an adjustment of yield, using the interest method, over the expected life of the loans. Amortization of deferred loan fees and costs are discontinued for loans that are placed on nonaccrual. Any remaining discounts, premiums, deferred fees or costs, and prepayment fees associated with loan payoffs prior to contractual maturity are included in loan interest income in the period of payoff. Loan commitment fees received to originate or purchase a loan are deferred and, if the commitment is exercised, recognized over the life of the loan using the interest method as an adjustment of yield or, if the commitment expires unexercised, recognized as income upon expiration of the commitment. The Company accrues interest on loans using the interest method and only if deemed collectible. Loans for which the accrual of interest has been discontinued are designated as nonaccrual loans. The accrual of interest on loans is discontinued when principal or interest is past due 90 days based on contractual terms of the loan or when, in the opinion of management, there is reasonable doubt as to the collection of principal and or interest. When loans are placed on nonaccrual status, all previously accrued and uncollected interest is promptly reversed against current period interest income, and as such an ACL for accrued interest receivable is not established. Interest income generally is not recognized on nonaccrual loans unless the likelihood of further loss is remote. Interest payments received on nonaccrual loans are applied as a reduction to the loan principal balance. Interest accruals are resumed on such loans only when they are brought current with respect to interest and principal and when, in the judgment of management, the loans are deemed to be fully collectible as to all principal and interest. Investor Loans Secured by Real Estate: • Commercial real estate non-owner-occupied - Commercial real estate (“CRE”) non-owner-occupied includes loans for which the Company holds real property as collateral, but where the borrower does not occupy the underlying property. The primary risks associated with these loans include the borrower’s inability to pay, material decreases in the value of the real estate that is being held as collateral, significant increases in interest rates , changes in market rents, and vacancy of the underlying property, any of which may make the real e state loan unprofitable to the borrower. Real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. • Multifamily - Multifamily loans are secured by multi-tenant (5 or more units) residential real properties. Payments on multifamily loans are dependent on the successful operation or management of the properties, and repayment of these loans may be subject to adverse conditions in the real estate market or the economy. • Construction and land - We originate loans for the construction of one-to-four family and multifamily residences and CRE properties in our primary market area. We concentrate our origination efforts on single homes and infill multifamily and commercial projects in established neighborhoods where there is not abundant land available for development. Construction loans are considered to have higher risks due to construction completion and timing risk, and the ultimate repayment being sensitive to interest rate changes, government regulation of real property, and the availability of long-term financing. Additionally, economic conditions may impact the Company’s ability to recover its investment in construction loans, as adverse economic conditions may negatively impact the real estate market, which could affect the borrower’s ability to complete and sell the project. Additionally, the fair value of the underlying collateral may fluctuate as market conditions change. We occasionally originate land loans located predominantly in California for the purpose of facilitating the ultimate construction of a home or commercial building. The primary risks include the borrower’s inability to pay and the inability of the Company to recover its investment due to a decline in the fair value of the underlying collateral. Business Loans Secured by Real Estate: • Commercial real estate owner-occupied - CRE owner-occupied includes loans for which the Company holds real property as collateral and where the underlying property is occupied by the borrower, such as with a place of business. These loans are primarily underwritten based on the cash flows of the business and secondarily on the real estate. The primary risks associated with CRE owner-occupied loans include the borrower’s inability to pay, material decreases in the value of the real estate that is being held as collateral, and significant increases in interest rates, which may make the real estate loan unprofitable to the borrower. Real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. • Franchise secured by real estate - Franchise real estate secured loans are business loans secured by real property occupied by franchised restaurants, generally quick service restaurants (“QSR”) . These loans are primarily underwritten based on the cash flows of the business and secondarily on the real estate. Risks associated with these loans include material decreases in the value of real estate being held as collateral, and the borrower’s inability to pay as a result of increases in interest rates or decreases in cash flow from the underlying business. • Small Business Administration (“SBA”) - We are approved to originate loans under the SBA’s Preferred Lenders Program (“PLP”). The PLP lending status affords us a higher level of delegated credit autonomy, translating to a significantly shorter turnaround time from application to funding, which is critical to our marketing efforts. We originate loans nationwide under the SBA’s 7(a), SBA Express, International Trade and 504(a) loan programs, in conformity with SBA underwriting and documentation standards. SBA loans are similar to commercial business loans, but have additional credit enhancement provided by the U.S. government. The Company originates SBA loans with the intent to sell the guaranteed portion into the secondary market on a quarterly basis. Certain loans classified as SBA are secured by commercial real estate property. SBA loans secured by hotels are included in the segment investor loans secured by real estate, and SBA loans secured by all other forms of real estate are included in the business loans secured by real estate segment. All other SBA loans are included in the commercial loans segment below, and are secured by business assets. Commercial Loans: • Commercial and industrial (including franchise commercial loans) (“C&I”) - Loans to businesses, secured by business assets including inventory, receivables, and machinery and equipment . Loan types include revolving lines of credit, term loans, seasonal loans, and loans secured by liquid collateral such as cash deposits or marketable securities. Franchise credit facilities not secured by real estate and Home Owners’ Association (“HOA”) credit facilities are included in C&I loans. We also issue letters of credit on behalf of our customers. Risk arises primarily due to the difference between expected and actual cash flows of the borrowers. In addition, the recoverability of the Company’s investment in these loans is also dependent on other factors primarily dictated by the type of collateral securing these loans, and occasionally upon other borrower assets and guarantor assets. The fair value of the collateral securing these loans may fluctua te as market conditions change. In the case of loans secured by accounts receivable, the recovery of the Company’s investment is dependent upon the borrower’s ability to collect amounts due from its customers. Retail Loans: • One-to-four family - Although we do not originate first lien single family loans, we have acquired them through bank acquisitions. The primary risks of one-to-four family loans include the borrower’s inability to pay, material decreases in the value of the real estate that is being held as collateral, and significant increases in interest rates, which may make loans unprofitable to the borrower. • Consumer loans - In addition to consumer loans acquired through our various bank acquisitions, we originate a limited number of consumer loans, generally to banking clients, which consist primarily of home equity lines of credit, savings account secured loans, and auto loans. Repayment of these loans is dependent on the borrower’s ability to pay and the fair value of the underlying collateral. Acquired Loans. When the Company acquires loans through purchase or a business combination, an assessment is first performed to determine if such loans have experienced more than insignificant deterioration in credit quality since their origination and thus should be classified and accounted for as purchased credit deteriorated (“PCD”) loans or otherwise classified as non-PCD loans. All acquired loans are recorded at their fair value as of the date of acquisition. Any resulting discount or premium on acquired loans is accreted or amortized into interest income over the remaining life of the loans using the interest method. Additionally, upon the purchase or acquisition of non-PCD loans, the Company measures and records an ACL based on the Company’s methodology for determining the ACL. The ACL for non-PCD loans is recorded through a charge to the provision for credit losses in the period in which the loans were purchased or acquired. Unlike non-PCD loans, the initial ACL for PCD loans is established through an adjustment to the acquired loan balance and not through a charge to the provision for credit losses. As with non-PCD loans, the ACL for PCD loans is determined with the use of the Company’s ACL methodology. Characteristics of PCD loans include: delinquency, downgrade in credit quality since origination, loans on nonaccrual status, and/or other factors the Company may become aware of through its initial analysis of acquired loans that may indicate there has been more than insignificant deterioration in credit quality since a loan’s origination. Subsequent to acquisition, the ACL for both non-PCD and PCD loans are measured with the use of the Company’s ACL methodology in the same manner as all other loans.
Allowance for Credit Losses on Loans	Allowance for Credit Losses on Loans . The Company accounts for credit losses on loans in accordance with ASC 326, which requires the Company to record an estimate of expected lifetime credit losses for loans at the time of origination or acquisition. The ACL is maintained at a level deemed appropriate by management to provide for expected credit losses in the portfolio as of the date of the consolidated statements of financial condition. Estimating expected credit losses requires management to use relevant forward-looking information, including the use of reasonable and supportable forecasts. The measurement of the ACL is performed by collectively evaluating loans with similar risk characteristics. The Company measures the ACL on commercial real estate loans and commercial loans using a discounted cash flow approach, and a historical loss rate methodology is used to determine the ACL on retail loans. The Company’s discounted cash flow methodology incorporates a probability of default (“PD”) and loss given default (“LGD”) model, as well as expectations of future economic conditions, using reasonable and supportable forecasts. Together, the PD and LGD model with the use of reasonable and supportable forecasts generate estimates for cash flows expected and not expected to be collected over the estimated life of a loan. Estimates of future expected cash flows ultimately reflect assumptions made concerning net credit losses over the life of a loan. The use of reasonable and supportable forecasts requires significant judgment, such as selecting forecast scenarios and related scenario-weighting, as well as determining the appropriate length of the forecast horizon. Management leverages economic projections from a reputable and independent third party to inform and provide its reasonable and supportable economic forecasts. Other internal and external indicators of economic forecasts may also be considered by management when developing the forecast metrics. The Company’s ACL model forecasts PD and LGD over a two-year time horizon, which the Company believes is a reasonable and supportable period. PD and LGD forecasts are derived using economic forecast scenarios. Beyond the two-year forecast time horizon, the Company’s ACL model reverts to historical long-term average loss rates over a period of three years. The duration of the forecast horizon, the period over which forecasts revert to historical long-term averages, the economic forecasts that management utilizes, as well as additional internal and external indicators of economic forecasts that management considers, may change over time depending on the nature and composition of our loan portfolio. Changes in economic forecasts, in conjunction with changes in loan specific attributes, impact a loan’s PD and LGD, which can drive changes in the determination of the ACL. Expectations of future cash flows are discounted at the loan’s effective interest rate. The resulting ACL for term loans represents the amount by which the loan’s amortized cost exceeds the net present value of a loan’s discounted cash flows expected to be collected. The ACL for credit facilities is determined by discounting estimates for cash flows not expected to be collected. The ACL is recorded through a charge to provision for credit losses and is reduced by charge-offs, net of recoveries on loans previously charged-off. It is the Company’s policy to charge-off loan balances at the time they have been deemed uncollectible. The Company’s ACL model also includes adjustments for qualitative factors, where appropriate. Since historical information (such as historical net losses and economic cycles) may not always, by itself, provide a sufficient basis for determining future expected credit losses, management periodically considers the need for qualitative adjustments to the ACL. Qualitative adjustments may be related to and include, but not limited to factors such as: (i) management’s assessment of economic forecasts used in the model and how those forecasts align with management’s overall evaluation of current and expected economic conditions, (ii) organization-specific risks such as credit concentrations, collateral specific risks, regulatory risks, and external factors that may ultimately impact credit quality, (iii) potential model limitations such as limitations identified through backtesting, and other limitations associated with factors such as underwriting changes, acquisition of new portfolios and changes in portfolio segmentation, and (iv) management’s overall assessment of the adequacy of the ACL, including an assessment of model data inputs used to determine the ACL. The Company has a credit portfolio review process designed to detect problem loans. Problem loans are typically those of a substandard or worse internal risk grade, and may consist of loans on nonaccrual status, TDRs, loans where the likelihood of foreclosure on underlying collateral has increased, collateral dependent loans and other loans where concern or doubt over the ultimate collectability of all contractual amounts due has become elevated. Such loans, which have exhibited a deterioration in credit quality may, in the opinion of management, be deemed to no longer possess risk characteristics similar to other loans in the loan portfolio, and as such may require individual evaluation to determine an appropriate ACL for the loan. When a loan is individually evaluated, the Company typically measures the expected credit loss for the loan based on a discounted cash flow approach, unless the loan has been deemed collateral dependent. Collateral dependent loans are loans where the repayment of the loan is expected to come from the operation of and/or eventual liquidation of the underlying collateral. The ACL for collateral dependent loans is determined using estimates for the fair value of the underlying collateral, less costs to sell. Although management uses the best information available to derive estimates necessary to measure an appropriate level of the ACL, future adjustments to the ACL may be necessary due to economic, operating, regulatory, and other conditions that may extend beyond the Company’s control. Additionally, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s ACL and credit review process. Please also see Note 6 - Allowance for Credit Losses , of these Consolidated Financial Statements for additional discussion concerning the Company’s ACL methodology, including discussion concerning economic forecasts used in the determination of the ACL.
Troubled Debt Restructurings	Troubled Debt Restructurings. From time to time, the Company makes modifications to certain loans when a borrower is experiencing financial difficulty. These modifications are made to alleviate temporary impairments in the borrower’s financial condition and/or constraints on the borrower’s ability to repay the loan, and to minimize potential losses to the Company. Modifications typically include: changes in the amortization terms of the loan, reductions in interest rates, acceptance of interest only payments, and, in limited cases, reductions to the outstanding loan balance. Such loans are typically placed on nonaccrual status and are returned to accrual status when all contractual amounts past due have been brought current, and the borrower’s performance under the modified terms of the loan agreement and the ultimate collectability of all contractual amounts due under the modified terms is no longer in doubt. The Company typically measures the ACL for TDRs on an individual basis when the loans are deemed to no longer share similar risk characteristics with other loans in the portfolio. The determination of the ACL for TDRs is based on a discounted cash flow approach for both those measured collectively and individually, unless the loan is deemed collateral dependent, which requires measurement of the ACL based on the estimated expected fair value of the underlying collateral, less costs to sell.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets. Goodwill assets originate from business combinations where the Company has acquired other financial institutions, and is determined as the excess of the fair value of the consideration transferred, plus the fair value of any noncontrolling interests in the acquiree, over the fair value of the net assets acquired and liabilities assumed as of the acquisition date. Goodwill and intangible assets that are determined to have indefinite useful lives are not amortized, but are tested for impairment at least annually or more frequently if events and circumstances lead management to believe the value of those assets may be impaired. Impairment testing is performed at the reporting unit level, which is considered the Company level as management has identified the Company is its sole reporting unit. Management’s assessment of goodwill is performed in accordance with ASC 350-20 - Intangibles - Goodwill and Other - Goodwill , which allows the Company to first perform a qualitative assessment of goodwill to determine if it is more likely than not the fair value of the Company’s equity is below its carrying value. However, GAAP also allows the Company, at its option, to unconditionally forego the qualitative assessment and proceed directly to a quantitative assessment. When performing a qualitative assessment of goodwill, should the results of such analysis indicate it is more likely than not the fair value of the Company’s equity is below its carrying value, the Company then performs the quantitative assessment of goodwill to determine the fair value of the reporting unit and compares it to its carrying value. If the fair value of the reporting unit is below its carrying value, the Company would then recognize the amount of impairment as the amount by which the reporting unit’s carrying value exceeds its fair value, limited to the total amount of goodwill allocated to the reporting unit. Impairment losses are recorded as a charge to noninterest expense. The Company’s annual impairment test of goodwill is performed in the fourth quarter of each year. The Company performed a qualitative assessment of goodwill in the fourth quarter of 2021, the results of which indicated the value of goodwill assets could be supported and were not impaired. There have been no changes since the most recent assessment. Other intangible assets include core deposit and customer relationship intangible assets arising from the acquisition of other financial institutions and are amortized on a basis reflecting the pattern in which the economic benefits of the intangible assets are consumed or otherwise used up, or on a straight-line basis over their estimated useful lives, which range from 6 to 11 years. GAAP requires that intangible assets other than goodwill be tested for impairment when events and circumstances change, indicating that their carrying value may not be recoverable. For intangible assets other than goodwill, the Company first performs a qualitative assessment to determine if the carrying value of such assets may not be recoverable. A quantitative assessment is followed to determine the amount of impairment in the event the carrying value of such assets are deemed not recoverable. Impairment is measured as the amount by which their carrying value exceeds their estimated fair value. The Company tests intangible assets for impairment in the fourth quarter of each year, the results of which indicated the value of intangible assets could be supported and were not impaired.
Derivatives as Part of Designated Accounting Hedges	Derivatives as Part of Designated Accounting Hedges. The Company applies hedge accounting to certain derivative instruments used for risk management purposes, primarily interest rate risk. To qualify for hedge accounting, a derivative instrument must be highly effective at reducing the risk associated with the hedged exposure, and the hedging relationship must be formally documented at its inception. The Company uses regression analysis to assess the effectiveness of each hedging relationship, unless the hedge qualifies for other methods of assessing effectiveness (e.g., shortcut or critical terms match), both at inception and throughout the life of the hedge transaction. The Company currently has derivative instruments designated as part of fair value accounting hedges. These derivatives consist of pay-fixed, receive-floating interest rate swaps, and were entered into to hedge changes in the fair value of fixed-rate assets for specific risks, such as interest rate risk resulting from changes in a benchmark interest rate. In a qualifying fair value hedge, the Company records periodic changes in the fair value of the derivative instrument in current period earnings. Simultaneously, periodic changes in the fair value of the hedged risk are also recorded in current period earnings. Together, these periodic changes in the fair value of the derivative instrument and the fair value of the hedged risk are included in the same line item of the statements of income associated with the hedged item (i.e. interest income), and largely offset each other. Interest accruals on both the derivative instrument and the hedged item are also recorded in the same line item, which effectively converts the designated fixed-rate assets to floating-rate assets. The Company structures these swaps to match the critical terms of the hedged items (i.e. fixed-rate loans), thereby maximizing the economic and accounting effectiveness of the hedging relationships and resulting in the expectation that the hedging relationship will be highly effective. If a fair value hedging relationship ceases to qualify for hedge accounting, hedge accounting is discontinued and future changes in the fair value of the derivative instrument are recognized in current period earnings, until the derivative is settled with the counterparty. In addition, all remaining basis adjustments resulting from periodic changes in the fair value of the hedged risk, previously recorded to the carrying amount of the hedged item, are amortized or accreted into interest income using the interest method over the remaining life of the hedged item.
Leases	Leases. The Company accounts for its leases in accordance with ASC 842, which requires the Company to record liabilities for future lease obligations as well as assets representing the right to use the underlying leased asset. Leases with a term of 12 months or less are accounted for using straight-line expense recognition with no right-of-use asset being recorded for such leases. Other than short-term leases, the Company classifies its leases as either finance leases or operating leases. Leases are classified as finance leases when any of the following are met: (a) the lease transfers ownership of the underlying asset to the lessee by the end of the lease term, (b) the lease contains an option to purchase the underlying asset that the lessee is reasonably certain to exercise, (c) the term of the lease represents a major part of the remaining life of the underlying asset, (d) the present value of the future lease payments equals or exceeds substantially all of the fair value of the underlying asset, or (e) the underling leased asset is expected to have no alternative use to the lessor at the end of the lease term due to its specialized nature. When the Company’s assessment of a lease does not meet the foregoing criteria, and the term of the lease is in excess of 12 months, the lease is classified as an operating lease. Liabilities to make lease payments and right-of-use assets are determined based on the total contractual rents for each lease, discounted at the rate implicit in the lease or at the Company’s estimated incremental borrowing rate if the rate is not implicit in the lease. The Company measures future base rents based on the minimum payments specified in the lease agreement, giving consideration for periodic contractual rent increases which are based on an escalation rate or a specified index. When future rent payments are based on an index, the Company uses the index rate observed at the time of lease commencement to measure future lease payments. Liabilities to make future lease payments on operating leases are reduced by periodic contractual lease payments net of periodic interest accretion on the lease liability. Right-of-use assets for operating leases are amortized over the term of the lease by amounts that represent the difference between periodic straight-line lease expense and periodic interest accretion on the related liability to make lease payments. Expense recognition for operating leases is recorded on a straight-line basis. As of March 31, 2022, all of the Company’s leases were classified as either operating leases or short-term leases. From time to time the Company leases portions of the space it leases to other parties through sublease transactions. Income received from these transactions is recorded on a straight-line basis over the term of the sublease.
Revenue Recognition	Revenue Recognition. The Company accounts for certain of its revenue streams deemed to arise from contracts with customers in accordance with ASC 606 - Revenue from Contracts with Customers . Revenue streams within the scope of and accounted for under ASC 606 include: service charges and fees on deposit accounts, debit card interchange fees, custodial account fees, fees from other services the Bank provides its customers, and gains and losses from the sale of other real estate owned (“OREO”) and property, premises and equipment. These revenue streams are included in noninterest income in the Company’s consolidated statements of income. ASC 606 requires revenue to be recognized when the Company satisfies related performance obligations by transferring to the customer a good or service. The recognition of revenue under ASC 606 requires the Company to first identify the contract with the customer, identify the performance obligations, determine the transaction price, allocate the transaction price to the performance obligations, and finally recognize revenue when the performance obligations have been satisfied and the good or service has been transferred. Revenue is measured as the amount of consideration the Company expects to receive in exchange for the transfer of goods or services to the associated customer. The majority of the Company’s contracts with customers associated with revenue streams that are within the scope of ASC 606 are considered short-term in nature, such as a deposit account agreement, which can be canceled at any time, or a service provided to a customer at a point in time. Other more significant revenue streams for the Company such as interest income on loans and investment securities are specifically excluded from the scope of ASC 606 and are accounted for under other applicable GAAP.
Stock-Based Compensation	Stock-Based Compensation . The Company issues various forms of stock-based compensation awards annually to officers and directors of the Company, including stock options, restricted stock awards, and restricted stock units. The related compensation costs are based on the grant-date fair value and are recognized in the income statement over the period they are expected to vest, net of estimates for forfeitures. Estimates for forfeitures are based on the Company’s historical experience for each award type. A Black-Scholes model is utilized to estimate the fair value of stock options on the grant date. The Black-Scholes model uses certain assumptions to determine grant-date fair value such as: expected volatility, expected term of the option, expected risk-free rate of interest, and expected dividend yield on the Corporation’s common stock. The market price of the Corporation’s common stock at the grant date is used for restricted stock awards in determining the grant date fair value for those awards. Restricted stock awards and restricted stock units are granted to employees of the Company, and represent stock-based compensation awards that when ultimately settled, result in the issuance of shares of the Corporation’s common stock to the grantee. As with other stock-based compensation awards, compensation cost for restricted stock awards and restricted stock units is recognized over the period in which the awards are expected to vest. Certain of the Corporation’s restricted stock units contain vesting conditions which are based on pre-determined performance targets. The level at which the associated performance targets are achieved can impact the ultimate settlement of the award with the grantee and thus the level of compensation expense ultimately recognized. Certain of these awards contain a market-based condition whereby the vesting of the award is based on the Company’s performance, such as total shareholder return, relative to its peers over a specified period of time. The grant date fair value of market-based restricted stock units is determined through an independent third party which employs the use of a Monte Carlo simulation. The Monte Carlo simulation estimates grant date fair value using input assumptions similar to those used in the Black-Scholes model, however, it also incorporates into the grant date fair value calculation the probability that the performance targets will be achieved. The grant date fair value of restricted stock units that do not contain a market-based condition for vesting is based on the price of the Corporation’s common stock on the grant date. Holders of restricted stock awards are entitled to receive cash dividends. Holders of restricted stock units are entitled to receive dividend equivalents during the vesting period commensurate with dividends declared and paid on the Corporation’s common stock. As restricted stock awards contain rights to receive non-forfeitable dividends prior to the awards being vested, such awards are considered participating securities.
Comprehensive Income	Comprehensive Income . Comprehensive income is reported in addition to net income for all periods presented. Comprehensive income is a more inclusive financial reporting methodology that includes disclosure of other comprehensive income (loss) that historically has not been recognized in the calculation of net income. Unrealized gains and losses on the Company’s available-for-sale investment securities are required to be included in other comprehensive income or loss. Total comprehensive income (loss) and the components of accumulated other comprehensive income or loss are presented in the Consolidated Statements of Stockholders’ Equity and Consolidated Statements of Comprehensive Income.
Use of Estimates	Use of Estimates. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates.
Fair Value Measurement	The fair value of an asset or liability is the exchange price that would be received to sell that asset or paid to transfer that liability (exit price) in an orderly transaction occurring in the principal market (or most advantageous market in the absence of a principal market) for such asset or liability. In estimating fair value, the Company utilizes valuation techniques that are consistent with the market approach, the income approach, and/or the cost approach. Such valuation techniques are consistently applied. Inputs to valuation techniques include the assumptions that market participants would use in pricing an asset or liability. ASC Topic 825 requires disclosure of the fair value of financial assets and financial liabilities, including both those financial assets and financial liabilities that are not measured and reported at fair value on a recurring basis and a non-recurring basis. The methodologies for estimating the fair value of financial assets and financial liabilities that are measured at fair value are discussed below. In accordance with accounting guidance, the Company groups its financial assets and financial liabilities measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described as follows: Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities. Level 2 - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, prepayment speeds, volatilities, etc.), or model-based valuation techniques where all significant assumptions are observable, either directly or indirectly, in the market. Level 3 - Valuation is generated from model-based techniques where one or more significant inputs are not observable, either directly or indirectly, in the market. These unobservable assumptions reflect the Company’s own estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques may include use of matrix pricing, discounted cash flow models, and similar techniques. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature, and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the fair values presented. Management uses its best judgment in estimating the fair value of the Company’s financial instruments; however, there are inherent limitations in any estimation technique. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. The Company’s valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. Management maximizes the use of observable inputs and attempts to minimize the use of unobservable inputs when determining fair value measurements. Estimated fair values are disclosed for financial instruments for which it is practicable to estimate fair value. These estimates are made at a specific point in time based on relevant market data and information about the financial instruments. These estimates do not reflect any premium or discount that could result from offering the Company’s entire holdings of a particular financial instrument for sale at one time, nor do they attempt to estimate the value of anticipated future business related to the instruments. In addition, the tax ramifications related to the realization of unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of these estimates. Assets and Liabilities Measured at Fair Value on a Recurring Basis The following is a description of both the general and specific valuation methodologies used to measure financial assets and liabilities on a recurring basis, as well as the general classification of these instruments pursuant to the fair value hierarchy. Investment Securities – Investment securities are generally valued based upon quotes obtained from independent third-party pricing services, which use evaluated pricing applications and model processes. Observable market inputs, such as, benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data are considered as part of the evaluation. The inputs are related directly to the security being evaluated, or indirectly to a similarly situated security. Market assumptions and market data are utilized in the valuation models. The Company reviews the market prices provided by the third-party pricing service for reasonableness based on the Company’s understanding of the marketplace and credit issues related to the securities. The Company has not made any adjustments to the market quotes provided by them and, accordingly, the Company categorized its investment portfolio within Level 2 of the fair value hierarchy. Interest Rate Swaps – The Company originates a variable rate loan and enters into a variable-to-fixed interest rate swap with the customer. The Company also enters into an offsetting swap with a correspondent bank. These back-to-back swap agreements are intended to offset each other and allow the Company to originate a variable rate loan, while providing a contract for fixed interest payments for the customer. The Company also enters into interest rate swap contracts with institutional counterparties to hedge against certain fixed-rate loans. The net cash flow for the Company is equal to the interest income received from a variable rate loan originated with the customer. The fair value of these derivatives is based on a market standard discounted cash flow approach. The Company incorporates credit value adjustments on derivatives to properly reflect the respective counterparty’s nonperformance risk in the fair value measurements of its derivatives. The Company has determined that the observable nature of the majority of inputs used in deriving the fair value of these derivative contracts fall within Level 2 of the fair value hierarchy, and the credit valuation adjustments are not significant to the overall valuation of its derivative financial instruments. As a result, the valuation of interest rate swaps is classified as Level 2 of the fair value hierarchy. Equity Warrant Assets – The Company acquired equity warrant assets as a result of acquisition of Opus. Opus received equity warrant assets through its lending activities as part of loan origination fees. The warrants provide the Bank the right to purchase a specific number of equity shares of the underlying company’s equity at a certain price before expiration and contain net settlement terms qualifying as derivatives under ASC Topic 815. The fair value of equity warrant assets is determined using a Black-Scholes option pricing model and are classified as Level 3 with the fair value hierarchy due to the extent of unobservable inputs. The key assumptions used in determining the fair value include the exercise price of the warrants, valuation of the underlying entity's outstanding stock, expected term, risk-free interest rate, marketability discount for private company warrants, and price volatility. Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis Individually Evaluated Loans – A loan is individually evaluated for expected credit losses when it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement and it does not share similar risk characteristics with other loans. Individually evaluated loans are measured based on the fair value of the underlying collateral or the discounted expected future cash flows. Collateral generally consists of accounts receivable, inventory, fixed assets, real estate, and cash. The Company measures impairment on all nonaccrual loans for which it has reduced the principal balance to the value of the underlying collateral less the anticipated selling cost. The fair value of individually evaluated loans were determined using Level 3 assumptions, and represents individually evaluated loan balances for which a specific reserve has been established or on which a write down has been taken. For real estate loans, generally, the Company obtains third party appraisals (or property valuations) and/or collateral audits in conjunction with internal analysis based on historical experience on its individually evaluated loans and other real estate owned to determine fair value. In determining the net realizable value of the underlying collateral for individually evaluated loans, the Company will then discount the valuation to cover both market price fluctuations and selling costs, typically ranging from 7% to 10% of the collateral value, that the Company expected would be incurred in the event of foreclosure. In addition to the discounts taken, the Company’s calculation of net realizable value considered any other senior liens in place on the underlying collateral. For non-real estate loans, fair value of the loan’s collateral may be determined using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions, and management’s expertise and knowledge of the client and client’s business.

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Mar. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized cost and estimated fair value of securities	The amortized cost and estimated fair value of investment securities available-for-sale were as follows: (Dollars in thousands) Amortized Gross Unrealized Gross Unrealized Estimated AFS investment securities: March 31, 2022 U.S. Treasury $ 14,930 $ — $ (940) $ 13,990 Agency 406,654 — (30,877) 375,777 Corporate debt 612,647 702 (18,284) 595,065 Municipal bonds 445,537 58 (30,311) 415,284 Collateralized mortgage obligations 874,382 1,606 (20,732) 855,256 Mortgage-backed securities 1,040,774 1 (74,052) 966,723 Total AFS investment securities $ 3,394,924 $ 2,367 $ (175,196) $ 3,222,095 December 31, 2021 U.S. Treasury $ 57,708 $ 614 $ (456) $ 57,866 Agency 440,183 2,081 (10,129) 432,135 Corporate debt 451,621 6,096 (3,856) 453,861 Municipal bonds 1,061,985 32,209 (4,281) 1,089,913 Collateralized mortgage obligations 680,686 2,012 (6,055) 676,643 Mortgage-backed securities 1,586,406 3,220 (26,180) 1,563,446 Total AFS investment securities $ 4,278,589 $ 46,232 $ (50,957) $ 4,273,864 The carrying amount and estimated fair value of investment securities held-to-maturity were as follows: (Dollars in thousands) Amortized Allowance for Credit Losses Net Carrying Amount Gross Unrecognized Gross Unrecognized Estimated HTM investment securities: March 31, 2022 Municipal bonds $ 747,887 $ (41) $ 747,846 $ — $ (101,757) $ 646,089 Mortgage-backed securities 247,050 — 247,050 96 (8,671) 238,475 Other 1,486 — 1,486 — — 1,486 Total HTM investment securities $ 996,423 $ (41) $ 996,382 $ 96 $ (110,428) $ 886,050 December 31, 2021 Municipal bonds $ 368,344 $ (22) $ 368,322 $ 3,834 $ (1,649) $ 370,507 Mortgage-backed securities $ 11,843 $ — $ 11,843 $ 564 $ — $ 12,407 Other 1,509 — 1,509 — — 1,509 Total HTM investment securities $ 381,696 $ (22) $ 381,674 $ 4,398 $ (1,649) $ 384,423
Schedule of number, fair value and gross unrealized holding losses of the Company's investment securities by investment category and length of time that the securities have been in a continuous loss position	The table below summarizes the number, fair value, and gross unrealized holding losses of the Company’s AFS investment securities in an unrealized loss position for which an allowance for credit losses has not been recorded as of the dates indicated, aggregated by investment category and length of time in a continuous loss position. March 31, 2022 Less than 12 Months 12 Months or Longer Total (Dollars in thousands) Number Fair Gross Number Fair Gross Number Fair Gross AFS investment securities: U.S. Treasury 1 $ 13,990 $ (940) — $ — $ — 1 $ 13,990 $ (940) Agency 9 72,300 (6,489) 26 303,476 (24,388) 35 375,776 (30,877) Corporate debt 44 449,423 (10,400) 3 52,241 (7,884) 47 501,664 (18,284) Municipal bonds 85 397,687 (30,158) 1 1,444 (153) 86 399,131 (30,311) Collateralized mortgage obligations 32 320,962 (10,317) 23 165,246 (10,415) 55 486,208 (20,732) Mortgage-backed securities. 71 880,417 (66,282) 9 86,208 (7,770) 80 966,625 (74,052) Total AFS investment securities 242 $ 2,134,779 $ (124,586) 62 $ 608,615 $ (50,610) 304 $ 2,743,394 $ (175,196) December 31, 2021 Less than 12 Months 12 Months or Longer Total (Dollars in thousands) Number Fair Gross Number Fair Gross Number Fair Gross AFS investment securities: U.S. Treasury 3 $ 47,235 $ (456) — $ — $ — 3 $ 47,235 $ (456) Agency 19 278,078 (5,634) 16 119,750 (4,495) 35 397,828 (10,129) Corporate debt 17 166,563 (849) 3 57,274 (3,007) 20 223,837 (3,856) Municipal bonds 36 277,564 (4,079) 2 6,596 (202) 38 284,160 (4,281) Collateralized mortgage obligations 26 226,763 (3,738) 15 121,185 (2,317) 41 347,948 (6,055) Mortgage-backed securities 103 1,306,455 (20,417) 15 173,121 (5,763) 118 1,479,576 (26,180) Total AFS investment securities 204 $ 2,302,658 $ (35,173) 51 $ 477,926 $ (15,784) 255 $ 2,780,584 $ (50,957)
Schedule of allowance for credit losses on company's held-to-maturity debt securities	The following table presents a rollforward by major security type of the allowance for credit losses on the Company's HTM debt securities as of, and for the periods indicated: Three Months Ended March 31, 2022 (Dollars in thousands) Balance, December 31, 2021 Provision for Credit Losses Balance, March 31, 2022 HTM investment securities: Municipal bonds $ 22 $ 19 $ 41
Schedule of investment securities by external credit rating	The following table summarizes the Company’s investment securities portfolio by Moody’s external rating equivalent and by vintage as of March 31, 2022: Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Total AFS Investment securities at fair value: U.S. Treasury Aaa - Aa3 $ — $ 13,990 $ — $ — $ — $ — $ 13,990 Agency Aaa - Aa3 — 22,827 282,195 23,967 33,635 6,603 369,227 Baa1 - Baa3 — — — — — 6,550 6,550 Corporate debt Aaa - Aa3 39,946 — — — — — 39,946 A1 - A3 74,565 203,779 62,222 — — — 340,566 Baa1 - Baa3 34,267 52,711 92,122 25,664 — 9,789 214,553 Municipal bonds Aaa - Aa3 — 43,333 222,497 136,748 — 12,706 415,284 Collateralized mortgage obligations Aaa - Aa3 173,442 260,990 229,588 74,720 14,839 101,677 855,256 Mortgage-backed securities Aaa - Aa3 19,610 772,190 113,748 58,778 — 2,397 966,723 Total AFS investment securities 341,830 1,369,820 1,002,372 319,877 48,474 139,722 3,222,095 HTM investment securities at amortized cost: Municipal bonds Aaa - Aa3 — 116,523 622,498 8,866 — — 747,887 Mortgage-backed securities Aaa - Aa3 — 135,396 101,116 — 2,942 7,596 247,050 Other Baa1 - Baa3 — — — — 582 904 1,486 Total HTM investment securities — 251,919 723,614 8,866 3,524 8,500 996,423 Total investment securities $ 341,830 $ 1,621,739 $ 1,725,986 $ 328,743 $ 51,998 $ 148,222 $ 4,218,518
Schedule of realized gain (loss) on investments	The following table presents the amortized cost of securities sold with related gross realized gains, gross realized losses, and net realized gains for the periods indicated: Three Months Ended March 31, December 31, March 31, (Dollars in thousands) 2022 2021 2021 Amortized cost of AFS investment securities sold $ 658,505 $ 267,114 $ 172,320 Gross realized gains $ 13,637 $ 4,723 $ 4,237 Gross realized losses (11,503) (1,138) (191) Net realized gains on sales of AFS investment securities $ 2,134 $ 3,585 $ 4,046
Schedule of amortized cost and estimated fair value of investment securities available for sale by contractual maturity	The amortized cost and estimated fair value of investment securities at March 31, 2022, by contractual maturity, are shown in the table below. Due in One Year Due after One Year Due after Five Years Due after Total (Dollars in thousands) Amortized Fair Amortized Fair Amortized Fair Amortized Fair Amortized Fair AFS investment securities: U.S. Treasury $ — $ — $ — $ — $ 14,930 $ 13,990 $ — $ — $ 14,930 $ 13,990 Agency — — 271,342 254,013 97,419 88,539 37,893 33,225 406,654 375,777 Corporate debt — — 192,589 190,794 405,058 389,354 15,000 14,917 612,647 595,065 Municipal bonds — — — — 18,061 16,806 427,476 398,478 445,537 415,284 Collateralized mortgage obligations — — 36,738 36,544 243,674 231,495 593,970 587,217 874,382 855,256 Mortgage-backed securities — — — — 612,287 572,033 428,487 394,690 1,040,774 966,723 Total AFS investment securities — — 500,669 481,351 1,391,429 1,312,217 1,502,826 1,428,527 3,394,924 3,222,095 HTM investment securities: Municipal bonds — — — — 44,774 42,509 703,113 603,580 747,887 646,089 Mortgage-backed securities — — — — — — 247,050 238,475 247,050 238,475 Other — — — — — — 1,486 1,486 1,486 1,486 Total HTM investment securities — — — — 44,774 42,509 951,649 843,541 996,423 886,050 Total investment securities $ — $ — $ 500,669 $ 481,351 $ 1,436,203 $ 1,354,726 $ 2,454,475 $ 2,272,068 $ 4,391,347 $ 4,108,145

Loans Held for Investment (Tabl

Loans Held for Investment (Tables)	3 Months Ended
	Mar. 31, 2022
Receivables [Abstract]
Schedule of components of loans held for investment	The following table presents the composition of the loan portfolio for the periods indicated: March 31, December 31, (Dollars in thousands) 2022 2021 Investor loans secured by real estate CRE non-owner-occupied $ 2,774,650 $ 2,771,137 Multifamily 6,041,085 5,891,934 Construction and land 303,811 277,640 SBA secured by real estate 42,642 46,917 Total investor loans secured by real estate 9,162,188 8,987,628 Business loans secured by real estate CRE owner-occupied 2,391,984 2,251,014 Franchise real estate secured 384,267 380,381 SBA secured by real estate 68,466 69,184 Total business loans secured by real estate 2,844,717 2,700,579 Commercial loans Commercial and industrial 2,242,632 2,103,112 Franchise non-real estate secured 388,322 392,576 SBA non-real estate secured 10,761 11,045 Total commercial loans 2,641,715 2,506,733 Retail loans Single family residential 79,978 95,292 Consumer 5,157 5,665 Total retail loans 85,135 100,957 Gross loans held for investment (1) 14,733,755 14,295,897 Allowance for credit losses for loans held for investment (197,517) (197,752) Loans held for investment, net $ 14,536,238 $ 14,098,145 Total unfunded loan commitments $ 2,940,370 $ 2,507,911 Loans held for sale, at lower of cost or fair value $ 11,646 $ 10,869 ______________________________ (1) Includes net deferred origination fees of $3.9 million and $3.5 million, and unaccreted fair value net purchase discounts of $71.2 million and $77.1 million as of March 31, 2022 and December 31, 2021, respectively.
Summary of loan portfolio by the company's internal risk grading system	The following table stratifies the loans held for investment portfolio by the Company’s internal risk grading, and by year of origination, as of March 31, 2022: Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Investor loans secured by real estate CRE non-owner-occupied Pass $ 176,426 $ 670,633 $ 257,088 $ 403,482 $ 348,314 $ 870,240 $ 9,354 $ — $ 2,735,537 Special mention — — — — 7,633 2,245 — — 9,878 Substandard — — — 25,780 — 2,955 500 — 29,235 Multifamily Pass 465,994 2,279,374 871,658 1,082,386 399,926 940,701 286 — 6,040,325 Substandard — — — — — 760 — — 760 Construction and land Pass 46,203 132,985 79,651 28,556 9,027 7,389 — — 303,811 SBA secured by real estate Pass 1,966 130 496 6,135 6,847 18,215 — — 33,789 Substandard — — — — 3,282 5,571 — — 8,853 Total investor loans secured by real estate 690,589 3,083,122 1,208,893 1,546,339 775,029 1,848,076 10,140 — 9,162,188 Business loans secured by real estate CRE owner-occupied Pass 250,202 830,646 263,304 279,071 143,848 597,055 4,719 — 2,368,845 Special mention — — — — 764 — — — 764 Substandard — — 4,673 2,516 5,140 10,046 — — 22,375 Franchise real estate secured Pass 24,715 156,307 35,974 54,053 36,483 76,735 — — 384,267 SBA secured by real estate Pass 6,107 7,452 2,357 7,133 4,760 32,189 — — 59,998 Substandard — — — — 1,888 6,580 — — 8,468 Total loans secured by business real estate 281,024 994,405 306,308 342,773 192,883 722,605 4,719 — 2,844,717 Commercial loans Commercial and industrial Pass 77,907 417,259 68,739 185,229 105,770 180,774 1,171,092 2,747 2,209,517 Special mention — — 339 — — 142 530 — 1,011 Substandard 963 2,317 — 12 1,365 1,621 25,826 — 32,104 Franchise non-real estate secured Pass 23,582 159,709 23,309 76,734 41,700 43,597 661 — 369,292 Substandard — — — 1,550 3,517 13,963 — — 19,030 SBA non-real estate secured Pass 663 467 543 1,861 756 4,752 — — 9,042 Special mention — — — 66 — — — — 66 Substandard — — — 75 244 692 642 — 1,653 Total commercial loans 103,115 579,752 92,930 265,527 153,352 245,541 1,198,751 2,747 2,641,715 Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Retail loans Single family residential Pass $ — $ 309 $ 194 $ — $ 31 $ 55,677 $ 23,721 $ — $ 79,932 Substandard — — — — — 46 — — 46 Consumer loans Pass — 10 25 37 10 1,310 3,761 — 5,153 Substandard — — — 4 — — — — 4 Total retail loans — 319 219 41 41 57,033 27,482 — 85,135 Totals gross loans $ 1,074,728 $ 4,657,598 $ 1,608,350 $ 2,154,680 $ 1,121,305 $ 2,873,255 $ 1,241,092 $ 2,747 $ 14,733,755 The following table stratifies the loans held for investment portfolio by the Company’s internal risk grading, and by year of origination, as of December 31, 2021: Term Loans by Vintage (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Revolving Converted to Term During the Period Total December 31, 2021 Investor loans secured by real estate CRE non-owner-occupied Pass $ 708,560 $ 269,944 $ 393,097 $ 387,923 $ 218,388 $ 730,736 $ 9,353 $ — $ 2,718,001 Special mention — — 16,166 7,682 — — — — 23,848 Substandard — — 25,777 — — 2,998 513 — 29,288 Multifamily Pass 2,260,708 952,127 1,199,505 444,904 479,029 554,067 286 — 5,890,626 Substandard — — — 543 — 765 — — 1,308 Construction and land Pass 119,532 97,721 40,556 12,415 3,857 3,559 — — 277,640 SBA secured by real estate Pass 130 497 6,259 9,074 12,070 9,198 — — 37,228 Special mention — — — 957 — 544 — — 1,501 Substandard — — — 2,343 3,679 2,166 — — 8,188 Total investor loans secured by real estate 3,088,930 1,320,289 1,681,360 865,841 717,023 1,304,033 10,152 — 8,987,628 Business loans secured by real estate CRE owner-occupied Pass 853,044 273,469 287,249 161,636 187,130 464,271 6,738 292 2,233,829 Substandard — — 2,553 6,074 2,966 5,592 — — 17,185 Franchise real estate secured Pass 156,381 36,335 55,091 40,047 56,288 34,878 1,361 — 380,381 SBA secured by real estate Pass 6,379 2,364 7,331 9,125 10,734 24,627 — — 60,560 Special mention — — — — — 62 — — 62 Substandard — — — 2,062 2,690 3,810 — — 8,562 Total loans secured by business real estate 1,015,804 312,168 352,224 218,944 259,808 533,240 8,099 292 2,700,579 Term Loans by Vintage (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Revolving Converted to Term During the Period Total December 31, 2021 Commercial loans Commercial and industrial Pass $ 425,683 $ 79,635 $ 200,234 $ 117,471 $ 123,345 $ 70,789 $ 1,032,053 $ 3,371 $ 2,052,581 Special mention — — 146 — — 152 14,814 178 15,290 Substandard 1,772 — 14 2,683 863 1,150 27,684 1,075 35,241 Franchise non-real estate secured Pass 163,865 23,943 85,206 45,061 23,672 31,163 — — 372,910 Substandard — — 1,589 3,627 13,346 1,104 — — 19,666 SBA non-real estate secured Pass 474 564 1,292 666 2,806 2,148 — — 7,950 Special mention — — 681 114 — — — — 795 Substandard — — 76 339 685 547 653 — 2,300 Total commercial loans 591,794 104,142 289,238 169,961 164,717 107,053 1,075,204 4,624 2,506,733 Retail loans Single family residential Pass 313 211 — 32 2,008 68,759 23,920 — 95,243 Substandard — — — — — 49 — — 49 Consumer loans Pass 11 28 49 19 11 1,394 4,113 — 5,625 Substandard — — 5 — — 35 — — 40 Total retail loans 324 239 54 51 2,019 70,237 28,033 — 100,957 Totals gross loans $ 4,696,852 $ 1,736,838 $ 2,322,876 $ 1,254,797 $ 1,143,567 $ 2,014,563 $ 1,121,488 $ 4,916 $ 14,295,897 The following tables present PD bands for investor loans secured by real estate, business loans secured by real estate, and commercial loans segments of the loan portfolio as of the dates indicated. Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Investor loans secured by real estate CRE non-owner-occupied 0% - 5.00% $ 176,426 $ 651,475 $ 250,051 $ 369,190 $ 339,561 $ 791,623 $ 9,354 $ — $ 2,587,680 >5.00% - 10.00% — 8,632 1,141 718 16,386 54,229 — — 81,106 Greater than 10% — 10,526 5,896 59,354 — 29,588 500 — 105,864 Multifamily 0% - 5.00% 461,776 2,251,232 865,755 1,057,766 398,127 926,880 286 — 5,961,822 >5.00% - 10.00% 4,218 23,077 5,903 24,620 1,799 14,581 — — 74,198 Greater than 10% — 5,065 — — — — — — 5,065 Construction and Land 0% - 5.00% 45,018 106,397 62,442 15,840 5,618 7,389 — — 242,704 >5.00% - 10.00% 1,185 23,088 13,821 4,815 — — — — 42,909 Greater than 10% — 3,500 3,388 7,901 3,409 — — — 18,198 SBA secured by real estate 0% - 5.00% 1,966 130 496 6,135 10,129 23,213 — — 42,069 >5.00% - 10.00% — — — — — — — — — Greater than 10% — — — — — 573 — — 573 Total investor loans secured by real estate 690,589 3,083,122 1,208,893 1,546,339 775,029 1,848,076 10,140 — 9,162,188 Business loans secured by real estate CRE owner-occupied 0% - 5.00% 250,202 830,646 263,304 279,071 143,848 597,055 4,719 — 2,368,845 >5.00% - 10.00% — — — — 764 — — — 764 Greater than 10% — — 4,673 2,516 5,140 10,046 — — 22,375 Franchise real estate secured 0% - 5.00% 24,715 152,674 35,974 54,053 35,233 73,922 — — 376,571 >5.00% - 10.00% — 1,245 — — 1,250 2,813 — — 5,308 Greater than 10% — 2,388 — — — — — — 2,388 SBA secured by real estate 0% - 5.00% 6,107 7,452 1,596 5,785 3,459 22,774 — — 47,173 >5.00% - 10.00% — — 761 1,348 1,302 9,414 — — 12,825 Greater than 10% — — — — 1,887 6,581 — — 8,468 Total business loans secured by real estate 281,024 994,405 306,308 342,773 192,883 722,605 4,719 — 2,844,717 Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Commercial loans Commercial and industrial 0% - 5.00% 75,796 410,671 67,470 178,211 101,951 177,185 854,129 1,247 1,866,660 >5.00% - 10.00% 2,111 6,964 1,608 7,018 3,819 3,589 317,797 — 342,906 Greater than 10% 963 1,941 — 12 1,365 1,763 25,522 1,500 33,066 Franchise non-real estate secured 0% - 5.00% 23,120 158,940 15,289 62,490 36,456 35,717 555 — 332,567 >5.00% - 10.00% 462 769 8,020 14,244 5,244 7,306 106 — 36,151 Greater than 10% — — — 1,550 3,517 14,537 — — 19,604 SBA not secured by real estate 0% - 5.00% 663 467 477 87 266 2,451 — — 4,411 >5.00% - 10.00% — — 66 1,775 490 2,301 — — 4,632 Greater than 10% — — — 140 244 692 642 — 1,718 Total commercial loans $ 103,115 $ 579,752 $ 92,930 $ 265,527 $ 153,352 $ 245,541 $ 1,198,751 $ 2,747 $ 2,641,715 Term Loans by Vintage (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Revolving Converted to Term During the Period Total December 31, 2021 Investor loans secured by real estate CRE non-owner-occupied 0% - 5.00% $ 654,823 $ 233,718 $ 375,691 $ 392,892 $ 193,762 $ 682,357 $ 4,022 $ — $ 2,537,265 >5.00% - 10.00% 37,931 22,965 9,174 2,713 23,559 23,707 5,331 — 125,380 Greater than 10% 15,806 13,261 50,175 — 1,067 27,670 513 — 108,492 Multifamily 0% - 5.00% 2,242,420 929,964 1,174,859 442,410 470,107 548,156 286 — 5,808,202 >5.00% - 10.00% 13,226 7,393 24,646 1,807 8,922 6,676 — — 62,670 Greater than 10% 5,062 14,770 — 1,230 — — — — 21,062 Construction and land 0% - 5.00% 110,545 81,029 23,030 8,321 3,857 3,559 — — 230,341 >5.00% - 10.00% 5,500 14,264 9,931 4,094 — — — — 33,789 Greater than 10% 3,487 2,428 7,595 — — — — — 13,510 SBA secured by real estate 0% - 5.00% 130 497 6,259 12,374 15,149 11,572 — — 45,981 >5.00% - 10.00% — — — — — — — — — Greater than 10% — — — — 600 336 — — 936 Total investor loans secured by real estate 3,088,930 1,320,289 1,681,360 865,841 717,023 1,304,033 10,152 — 8,987,628 Term Loans by Vintage (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Revolving Converted to Term During the Period Total December 31, 2021 Business loans secured by real estate CRE owner-occupied 0% - 5.00% 853,044 273,469 287,249 161,635 187,130 456,170 6,738 292 2,225,727 >5.00% - 10.00% — — — — — 8,101 — — 8,101 Greater than 10% — — 2,553 6,075 2,966 5,592 — — 17,186 Franchise real estate secured 0% - 5.00% 154,009 36,335 55,091 37,559 53,519 33,635 1,361 — 371,509 >5.00% - 10.00% 843 — — 2,488 2,769 1,243 — — 7,343 Greater than 10% 1,529 — — — — — — — 1,529 SBA secured by real estate 0% - 5.00% 6,379 2,364 6,040 8,986 8,718 16,947 — — 49,434 >5.00% - 10.00% — — 1,291 139 2,006 7,681 — — 11,117 Greater than 10% — — — 2,062 2,700 3,871 — — 8,633 Total business loans secured by real estate 1,015,804 312,168 352,224 218,944 259,808 533,240 8,099 292 2,700,579 Commercial loans Commercial and industrial 0% - 5.00% 417,780 77,755 192,478 114,593 120,869 67,194 680,662 3,380 1,674,711 >5.00% - 10.00% 8,349 1,880 7,757 2,878 2,476 3,595 375,829 341 403,105 Greater than 10% 1,326 — 159 2,683 863 1,302 18,060 903 25,296 Franchise non-real estate secured 0% - 5.00% 155,064 18,370 64,503 39,389 21,483 21,524 — — 320,333 >5.00% - 10.00% 8,801 5,573 20,703 5,672 2,189 8,840 — — 51,778 Greater than 10% — — 1,589 3,627 13,346 1,903 — — 20,465 SBA not secured by real estate 0% - 5.00% 474 564 1,088 370 732 1,636 — — 4,864 >5.00% - 10.00% — — 205 410 2,074 512 — — 3,201 Greater than 10% — — 756 339 685 547 653 — 2,980 Total commercial loans $ 591,794 $ 104,142 $ 289,238 $ 169,961 $ 164,717 $ 107,053 $ 1,075,204 $ 4,624 $ 2,506,733 Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Investor loans secured by real estate CRE non-owner-occupied 55% and below $ 80,360 $ 370,848 $ 138,963 $ 182,092 $ 166,633 $ 592,412 $ 9,854 — $ 1,541,162 >55-65% 88,510 238,821 90,596 154,776 54,175 250,482 — — 877,360 >65-75% 7,556 60,735 27,529 56,266 130,804 27,166 — — 310,056 Greater than 75% — 229 — 36,128 4,335 5,380 — — 46,072 Multifamily 55% and below 111,585 409,021 197,947 256,819 169,113 449,182 286 — 1,593,953 >55-65% 209,094 944,247 367,310 466,705 194,097 348,010 — — 2,529,463 >65-75% 142,824 896,113 303,401 353,096 36,716 134,308 — — 1,866,458 Greater than 75% 2,491 29,993 3,000 5,766 — 9,961 — — 51,211 Construction and land 55% and below 46,203 129,135 79,651 10,675 4,155 7,389 — — 277,208 >55-65% — 3,850 — 8,916 4,872 — — — 17,638 >65-75% — — — 8,965 — — — — 8,965 Greater than 75% — — — — — — — — — SBA secured by real estate 55% and below 1,966 — — — 1,469 2,908 — — 6,343 >55-65% — — — 2,392 1,941 4,307 — — 8,640 >65-75% — 130 — 2,654 3,113 7,158 — — 13,055 Greater than 75% — — 496 1,089 3,606 9,413 — — 14,604 Total investor loans secured by real estate 690,589 3,083,122 1,208,893 1,546,339 775,029 1,848,076 10,140 — 9,162,188 Business loan secured by real estate CRE owner-occupied 55% and below 121,356 401,001 109,427 104,982 79,468 450,860 4,719 — 1,271,813 >55-65% 59,295 202,766 52,624 63,290 29,886 107,522 — — 515,383 >65-75% 60,334 190,253 105,172 103,746 35,344 32,545 — — 527,394 Greater than 75% 9,217 36,626 754 9,569 5,054 16,174 — — 77,394 Franchise real estate secured 55% and below 17,475 39,481 16,725 14,418 12,385 23,380 — — 123,864 >55-65% — 45,789 11,986 3,995 7,313 12,726 — — 81,809 >65-75% 1,792 33,932 5,426 32,540 9,235 35,728 — — 118,653 Greater than 75% 5,448 37,105 1,837 3,100 7,550 4,901 — — 59,941 SBA secured by real estate 55% and below 1,040 2,508 589 1,646 962 17,411 — — 24,156 >55-65% — 724 555 199 1,454 9,264 — — 12,196 >65-75% — 1,178 327 3,465 647 7,823 — — 13,440 Greater than 75% 5,067 3,042 886 1,823 3,585 4,271 — — 18,674 Total business loans secured by real estate $ 281,024 $ 994,405 $ 306,308 $ 342,773 $ 192,883 $ 722,605 $ 4,719 $ — $ 2,844,717 Term Loans by Vintage (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Revolving Converted to Term During the Period Total December 31, 2021 Investor loans secured by real estate CRE non-owner-occupied 55% and below $ 366,617 $ 141,752 $ 184,553 $ 171,879 $ 130,679 $ 533,990 $ 9,866 $ — $ 1,539,336 >55-65% 277,092 91,539 155,908 86,933 79,043 172,713 — — 863,228 >65-75% 64,619 36,653 58,350 131,975 5,662 25,446 — — 322,705 Greater than 75% 232 — 36,229 4,818 3,004 1,585 — — 45,868 Multifamily 55% and below 397,562 226,129 285,520 181,826 197,276 279,880 286 — 1,568,479 >55-65% 932,115 416,712 510,840 219,710 185,773 198,802 — — 2,463,952 >65-75% 906,910 306,272 391,686 41,174 94,142 67,964 — — 1,808,148 Greater than 75% 24,121 3,014 11,459 2,737 1,838 8,186 — — 51,355 Construction and land 55% and below 116,575 95,293 26,501 4,172 3,857 3,559 — — 249,957 >55-65% 2,957 2,428 5,095 6,650 — — — — 17,130 >65-75% — — 8,960 1,593 — — — — 10,553 Greater than 75% — — — — — — — — — SBA secured by real estate 55% and below — — — 632 693 2,159 — — 3,484 >55-65% — — 2,399 1,950 1,903 3,595 — — 9,847 >65-75% 130 — 2,767 3,630 4,444 4,346 — — 15,317 Greater than 75% — 497 1,093 6,162 8,709 1,808 — — 18,269 Total investor loans secured by real estate 3,088,930 1,320,289 1,681,360 865,841 717,023 1,304,033 10,152 — 8,987,628 Business loan secured by real estate CRE owner-occupied 55% and below 400,857 95,504 107,766 87,779 134,184 347,926 6,738 292 1,181,046 >55-65% 214,798 67,639 60,192 32,283 35,513 80,347 — — 490,772 >65-75% 188,022 78,589 112,217 41,874 12,241 25,460 — — 458,403 Greater than 75% 49,367 31,737 9,627 5,774 8,158 16,130 — — 120,793 Franchise real estate secured 55% and below 32,189 16,889 8,954 12,469 9,163 14,552 1,361 — 95,577 >55-65% 47,521 3,603 10,270 7,442 4,749 9,349 — — 82,934 >65-75% 39,409 13,991 32,743 11,289 29,641 9,768 — — 136,841 Greater than 75% 37,262 1,852 3,124 8,847 12,735 1,209 — — 65,029 SBA secured by real estate 55% and below 4,333 590 1,821 1,123 4,512 14,850 — — 27,229 >55-65% 452 555 199 954 1,524 8,497 — — 12,181 >65-75% 1,082 328 3,478 5,208 4,853 2,793 — — 17,742 Greater than 75% 512 891 1,833 3,902 2,535 2,359 — — 12,032 Total business loans secured by real estate $ 1,015,804 $ 312,168 $ 352,224 $ 218,944 $ 259,808 $ 533,240 $ 8,099 $ 292 $ 2,700,579 The following tables present the FICO bands, at origination, for the retail segment of the loan portfolio as of the dates indicated: Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Retail loans Single family residential Greater than 740 $ — $ 309 $ 194 $ — $ — $ 30,820 $ 18,657 — $ 49,980 >680 - 740 — — — — 31 5,410 4,278 — 9,719 >580 - 680 — — — — — 6,651 755 — 7,406 Less than 580 — — — — — 12,842 31 — 12,873 Consumer loans Greater than 740 — 7 25 26 10 929 1,847 — 2,844 >680 - 740 — 3 — 11 — 330 1,852 — 2,196 >580 - 680 — — — 4 — 51 46 — 101 Less than 580 — — — — — — 16 — 16 Total retail loans $ — $ 319 $ 219 $ 41 $ 41 $ 57,033 $ 27,482 $ — $ 85,135 December 31, 2021 Retail loans Single family residential Greater than 740 $ 313 $ 211 $ — $ — $ 1,446 $ 40,605 $ 17,553 — $ 60,128 >680 - 740 — — — 32 103 7,602 5,579 — 13,316 >580 - 680 — — — — 450 6,989 756 — 8,195 Less than 580 — — — — 9 13,612 32 — 13,653 Consumer loans Greater than 740 7 28 32 19 9 944 2,196 — 3,235 >680 - 740 4 — 17 — 2 431 1,859 — 2,313 >580 - 680 — — 5 — — 54 42 — 101 Less than 580 — — — — — — 16 — 16 Total retail loans $ 324 $ 239 $ 54 $ 51 $ 2,019 $ 70,237 $ 28,033 $ — $ 100,957
Schedule of delinquencies in the company's loan portfolio	The following tables stratify loans held for investment by delinquencies in the Company’s loan portfolio at the dates indicated: Days Past Due (Dollars in thousands) Current 30-59 60-89 90+ Total March 31, 2022 Investor loans secured by real estate CRE non-owner-occupied $ 2,762,632 $ — $ — $ 12,018 $ 2,774,650 Multifamily 6,041,085 — — — 6,041,085 Construction and land 303,811 — — — 303,811 SBA secured by real estate 42,642 — — — 42,642 Total investor loans secured by real estate 9,150,170 — — 12,018 9,162,188 Business loans secured by real estate CRE owner-occupied 2,387,083 — — 4,901 2,391,984 Franchise real estate secured 384,267 — — — 384,267 SBA secured by real estate 68,025 — — 441 68,466 Total business loans secured by real estate 2,839,375 — — 5,342 2,844,717 Commercial loans Commercial and industrial 2,216,983 25,332 74 243 2,242,632 Franchise non-real estate secured 388,322 — — — 388,322 SBA not secured by real estate 10,119 — — 642 10,761 Total commercial loans 2,615,424 25,332 74 885 2,641,715 Retail loans Single family residential 79,978 — — — 79,978 Consumer loans 5,157 — — — 5,157 Total retail loans 85,135 — — — 85,135 Totals $ 14,690,104 $ 25,332 $ 74 $ 18,245 $ 14,733,755 December 31, 2021 Investor loans secured by real estate CRE non-owner-occupied $ 2,760,882 $ — $ — $ 10,255 $ 2,771,137 Multifamily 5,890,704 1,230 — — 5,891,934 Construction and land 277,640 — — — 277,640 SBA secured by real estate 46,580 — — 337 46,917 Total investor loans secured by real estate 8,975,806 1,230 — 10,592 8,987,628 Business loans secured by real estate CRE owner-occupied 2,246,062 — — 4,952 2,251,014 Franchise real estate secured 380,381 — — — 380,381 SBA secured by real estate 68,743 — — 441 69,184 Total business loans secured by real estate 2,695,186 — — 5,393 2,700,579 Commercial loans Commercial and industrial 2,101,558 92 — 1,462 2,103,112 Franchise non-real estate secured 392,576 — — — 392,576 SBA not secured by real estate 10,319 73 — 653 11,045 Total commercial loans 2,504,453 165 — 2,115 2,506,733 Retail loans Single family residential 95,292 — — — 95,292 Consumer loans 5,665 — — — 5,665 Total retail loans 100,957 — — — 100,957 Totals $ 14,276,402 $ 1,395 $ — $ 18,100 $ 14,295,897
Summary of nonaccrual loans	The following tables provide a summary of nonaccrual loans as of the dates indicated: Nonaccrual Loans (1) (Dollars in thousands) Collateral Dependent Loans ACL Non-Collateral Dependent Loans ACL Total Nonaccrual Loans Nonaccrual Loans with No ACL March 31, 2022 Investor loans secured by real estate CRE non-owner-occupied $ 10,243 $ 1,152 $ — $ — $ 10,243 $ 2,627 SBA secured by real estate 573 — — — 573 573 Total investor loans secured by real estate 10,816 1,152 — — 10,816 3,200 Business loans secured by real estate CRE owner-occupied 4,901 — — — 4,901 4,901 SBA secured by real estate 575 — — — 575 575 Total business loans secured by real estate 5,476 — — — 5,476 5,476 Commercial loans Commercial and industrial 26,588 — — — 26,588 26,588 Franchise non-real estate secured — — 11,779 — 11,779 11,779 SBA non-real estate secured 642 — — — 642 642 Total commercial loans 27,230 — 11,779 — 39,009 39,009 Retail loans Single family residential 8 — — — 8 8 Total retail loans 8 — — — 8 8 Total nonaccrual loans $ 43,530 $ 1,152 $ 11,779 $ — $ 55,309 $ 47,693 December 31, 2021 Investor loans secured by real estate CRE non-owner-occupied $ 10,255 $ 1,455 $ — $ — $ 10,255 $ 2,640 SBA secured by real estate 937 — — — 937 937 Total investor loans secured by real estate 11,192 1,455 — — 11,192 3,577 Business loans secured by real estate CRE owner-occupied 4,952 — — — 4,952 4,952 SBA secured by real estate 589 — — — 589 589 Total business loans secured by real estate 5,541 — — — 5,541 5,541 Commercial loans Commercial and industrial 1,462 — 336 — 1,798 1,797 Franchise non-real estate secured — — 12,079 — 12,079 12,079 SBA non-real estate secured 653 — — — 653 653 Total commercial loans 2,115 — 12,415 — 14,530 14,529 Retail loans Single family residential 10 — — — 10 10 Total retail loans 10 — — — 10 10 Total nonaccrual loans $ 18,858 $ 1,455 $ 12,415 $ — $ 31,273 $ 23,657 ______________________________ (1) The ACL for nonaccrual loans is determined based on a discounted cash flow methodology unless the loan is considered collateral dependent; otherwise, the ACL for collateral dependent nonaccrual loans is determined based on the estimated fair value of the underlying collateral.
Schedule of collateral dependent loans by collateral type	The following tables summarize collateral dependent loans by collateral type as of the dates indicated: (Dollars in thousands) Office Properties Industrial Properties Retail Properties Land Properties Hotel Properties Residential Properties Business Assets Total March 31, 2022 Investor loan secured by real estate CRE non-owner-occupied $ — $ — $ 500 $ — $ 9,743 $ — $ — $ 10,243 SBA secured by real estate — — — — 573 — — 573 Total investor loans secured by real estate — — 500 — 10,316 — — 10,816 Business loans secured by real estate CRE owner-occupied — — — 4,901 — — — 4,901 SBA secured by real estate 133 442 — — — — — 575 Total business loans secured by real estate 133 442 — 4,901 — — — 5,476 Commercial loans Commercial and industrial — — — 242 — — 26,346 26,588 SBA non-real estate secured — — — — — — 642 642 Total commercial loans — — — 242 — — 26,988 27,230 Retail loans Single family residential — — — — — 8 — 8 Total retail loans — — — — — 8 — 8 Total collateral dependent loans $ 133 $ 442 $ 500 $ 5,143 $ 10,316 $ 8 $ 26,988 $ 43,530 December 31, 2021 Investor loan secured by real estate CRE non-owner-occupied $ — $ — $ 513 $ — $ 9,742 $ — $ — $ 10,255 SBA secured by real estate — — — — 937 — — 937 Total investor loans secured by real estate — — 513 — 10,679 — — 11,192 Business loans secured by real estate CRE owner-occupied — — — 4,952 — — — 4,952 SBA secured by real estate 148 441 — — — — — 589 Total business loans secured by real estate 148 441 — 4,952 — — — 5,541 Commercial loans Commercial and industrial — — — 245 — — 1,217 1,462 SBA non-real estate secured — — — — — — 653 653 Total commercial loans — — — 245 — — 1,870 2,115 Retail loans Single family residential — — — — — 10 — 10 Total retail loans — — — — — 10 — 10 Total collateral dependent loans $ 148 $ 441 $ 513 $ 5,197 $ 10,679 $ 10 $ 1,870 $ 18,858

Allowance for Credit Losses (Ta

Allowance for Credit Losses (Tables)	3 Months Ended
	Mar. 31, 2022
Provision for Loan and Lease Losses [Abstract]
Summary of allocation of the allowance for loan losses	The following tables provides 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 March 31, 2022 (Dollars in thousands) Beginning ACL Balance Charge-offs Recoveries Provision for Credit Losses Ending Investor loans secured by real estate CRE non-owner occupied $ 37,380 $ — $ — $ (1,406) $ 35,974 Multifamily 55,209 — — (884) 54,325 Construction and land 5,211 — — 8 5,219 SBA secured by real estate 3,201 (70) — (81) 3,050 Business loans secured by real estate CRE owner-occupied 29,575 — 10 2,306 31,891 Franchise real estate secured 7,985 — — (8) 7,977 SBA secured by real estate 4,866 — — 329 5,195 Commercial loans Commercial and industrial 38,136 (2,179) 1,841 800 38,598 Franchise non-real estate secured 15,084 — — (780) 14,304 SBA non-real estate secured 565 (50) 2 (27) 490 Retail loans Single family residential 255 — — (22) 233 Consumer loans 285 — — (24) 261 Totals $ 197,752 $ (2,299) $ 1,853 $ 211 $ 197,517 Three Months Ended March 31, 2021 (Dollars in thousands) Beginning ACL Balance Charge-offs Recoveries Provision for Credit Losses Ending Investor loans secured by real estate CRE non-owner occupied $ 49,176 $ (154) $ — $ (3,477) $ 45,545 Multifamily 62,534 — — 17,281 79,815 Construction and land 12,435 — — 828 13,263 SBA secured by real estate 5,159 (265) — 247 5,141 Business loans secured by real estate CRE owner-occupied 50,517 — 15 (8,938) 41,594 Franchise real estate secured 11,451 — — (575) 10,876 SBA secured by real estate 6,567 (98) — (18) 6,451 Commercial loans Commercial and industrial 46,964 (1,279) 601 (2,913) 43,373 Franchise non-real estate secured 20,525 (156) — (1,466) 18,903 SBA non-real estate secured 995 — 2 (107) 890 Retail loans Single family residential 1,204 — — (382) 822 Consumer loans 491 — — (165) 326 Totals $ 268,018 $ (1,952) $ 618 $ 315 $ 266,999
Schedule of allowance for credit quality indicators	The following table stratifies the loans held for investment portfolio by the Company’s internal risk grading, and by year of origination, as of March 31, 2022: Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Investor loans secured by real estate CRE non-owner-occupied Pass $ 176,426 $ 670,633 $ 257,088 $ 403,482 $ 348,314 $ 870,240 $ 9,354 $ — $ 2,735,537 Special mention — — — — 7,633 2,245 — — 9,878 Substandard — — — 25,780 — 2,955 500 — 29,235 Multifamily Pass 465,994 2,279,374 871,658 1,082,386 399,926 940,701 286 — 6,040,325 Substandard — — — — — 760 — — 760 Construction and land Pass 46,203 132,985 79,651 28,556 9,027 7,389 — — 303,811 SBA secured by real estate Pass 1,966 130 496 6,135 6,847 18,215 — — 33,789 Substandard — — — — 3,282 5,571 — — 8,853 Total investor loans secured by real estate 690,589 3,083,122 1,208,893 1,546,339 775,029 1,848,076 10,140 — 9,162,188 Business loans secured by real estate CRE owner-occupied Pass 250,202 830,646 263,304 279,071 143,848 597,055 4,719 — 2,368,845 Special mention — — — — 764 — — — 764 Substandard — — 4,673 2,516 5,140 10,046 — — 22,375 Franchise real estate secured Pass 24,715 156,307 35,974 54,053 36,483 76,735 — — 384,267 SBA secured by real estate Pass 6,107 7,452 2,357 7,133 4,760 32,189 — — 59,998 Substandard — — — — 1,888 6,580 — — 8,468 Total loans secured by business real estate 281,024 994,405 306,308 342,773 192,883 722,605 4,719 — 2,844,717 Commercial loans Commercial and industrial Pass 77,907 417,259 68,739 185,229 105,770 180,774 1,171,092 2,747 2,209,517 Special mention — — 339 — — 142 530 — 1,011 Substandard 963 2,317 — 12 1,365 1,621 25,826 — 32,104 Franchise non-real estate secured Pass 23,582 159,709 23,309 76,734 41,700 43,597 661 — 369,292 Substandard — — — 1,550 3,517 13,963 — — 19,030 SBA non-real estate secured Pass 663 467 543 1,861 756 4,752 — — 9,042 Special mention — — — 66 — — — — 66 Substandard — — — 75 244 692 642 — 1,653 Total commercial loans 103,115 579,752 92,930 265,527 153,352 245,541 1,198,751 2,747 2,641,715 Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Retail loans Single family residential Pass $ — $ 309 $ 194 $ — $ 31 $ 55,677 $ 23,721 $ — $ 79,932 Substandard — — — — — 46 — — 46 Consumer loans Pass — 10 25 37 10 1,310 3,761 — 5,153 Substandard — — — 4 — — — — 4 Total retail loans — 319 219 41 41 57,033 27,482 — 85,135 Totals gross loans $ 1,074,728 $ 4,657,598 $ 1,608,350 $ 2,154,680 $ 1,121,305 $ 2,873,255 $ 1,241,092 $ 2,747 $ 14,733,755 The following table stratifies the loans held for investment portfolio by the Company’s internal risk grading, and by year of origination, as of December 31, 2021: Term Loans by Vintage (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Revolving Converted to Term During the Period Total December 31, 2021 Investor loans secured by real estate CRE non-owner-occupied Pass $ 708,560 $ 269,944 $ 393,097 $ 387,923 $ 218,388 $ 730,736 $ 9,353 $ — $ 2,718,001 Special mention — — 16,166 7,682 — — — — 23,848 Substandard — — 25,777 — — 2,998 513 — 29,288 Multifamily Pass 2,260,708 952,127 1,199,505 444,904 479,029 554,067 286 — 5,890,626 Substandard — — — 543 — 765 — — 1,308 Construction and land Pass 119,532 97,721 40,556 12,415 3,857 3,559 — — 277,640 SBA secured by real estate Pass 130 497 6,259 9,074 12,070 9,198 — — 37,228 Special mention — — — 957 — 544 — — 1,501 Substandard — — — 2,343 3,679 2,166 — — 8,188 Total investor loans secured by real estate 3,088,930 1,320,289 1,681,360 865,841 717,023 1,304,033 10,152 — 8,987,628 Business loans secured by real estate CRE owner-occupied Pass 853,044 273,469 287,249 161,636 187,130 464,271 6,738 292 2,233,829 Substandard — — 2,553 6,074 2,966 5,592 — — 17,185 Franchise real estate secured Pass 156,381 36,335 55,091 40,047 56,288 34,878 1,361 — 380,381 SBA secured by real estate Pass 6,379 2,364 7,331 9,125 10,734 24,627 — — 60,560 Special mention — — — — — 62 — — 62 Substandard — — — 2,062 2,690 3,810 — — 8,562 Total loans secured by business real estate 1,015,804 312,168 352,224 218,944 259,808 533,240 8,099 292 2,700,579 Term Loans by Vintage (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Revolving Converted to Term During the Period Total December 31, 2021 Commercial loans Commercial and industrial Pass $ 425,683 $ 79,635 $ 200,234 $ 117,471 $ 123,345 $ 70,789 $ 1,032,053 $ 3,371 $ 2,052,581 Special mention — — 146 — — 152 14,814 178 15,290 Substandard 1,772 — 14 2,683 863 1,150 27,684 1,075 35,241 Franchise non-real estate secured Pass 163,865 23,943 85,206 45,061 23,672 31,163 — — 372,910 Substandard — — 1,589 3,627 13,346 1,104 — — 19,666 SBA non-real estate secured Pass 474 564 1,292 666 2,806 2,148 — — 7,950 Special mention — — 681 114 — — — — 795 Substandard — — 76 339 685 547 653 — 2,300 Total commercial loans 591,794 104,142 289,238 169,961 164,717 107,053 1,075,204 4,624 2,506,733 Retail loans Single family residential Pass 313 211 — 32 2,008 68,759 23,920 — 95,243 Substandard — — — — — 49 — — 49 Consumer loans Pass 11 28 49 19 11 1,394 4,113 — 5,625 Substandard — — 5 — — 35 — — 40 Total retail loans 324 239 54 51 2,019 70,237 28,033 — 100,957 Totals gross loans $ 4,696,852 $ 1,736,838 $ 2,322,876 $ 1,254,797 $ 1,143,567 $ 2,014,563 $ 1,121,488 $ 4,916 $ 14,295,897 The following tables present PD bands for investor loans secured by real estate, business loans secured by real estate, and commercial loans segments of the loan portfolio as of the dates indicated. Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Investor loans secured by real estate CRE non-owner-occupied 0% - 5.00% $ 176,426 $ 651,475 $ 250,051 $ 369,190 $ 339,561 $ 791,623 $ 9,354 $ — $ 2,587,680 >5.00% - 10.00% — 8,632 1,141 718 16,386 54,229 — — 81,106 Greater than 10% — 10,526 5,896 59,354 — 29,588 500 — 105,864 Multifamily 0% - 5.00% 461,776 2,251,232 865,755 1,057,766 398,127 926,880 286 — 5,961,822 >5.00% - 10.00% 4,218 23,077 5,903 24,620 1,799 14,581 — — 74,198 Greater than 10% — 5,065 — — — — — — 5,065 Construction and Land 0% - 5.00% 45,018 106,397 62,442 15,840 5,618 7,389 — — 242,704 >5.00% - 10.00% 1,185 23,088 13,821 4,815 — — — — 42,909 Greater than 10% — 3,500 3,388 7,901 3,409 — — — 18,198 SBA secured by real estate 0% - 5.00% 1,966 130 496 6,135 10,129 23,213 — — 42,069 >5.00% - 10.00% — — — — — — — — — Greater than 10% — — — — — 573 — — 573 Total investor loans secured by real estate 690,589 3,083,122 1,208,893 1,546,339 775,029 1,848,076 10,140 — 9,162,188 Business loans secured by real estate CRE owner-occupied 0% - 5.00% 250,202 830,646 263,304 279,071 143,848 597,055 4,719 — 2,368,845 >5.00% - 10.00% — — — — 764 — — — 764 Greater than 10% — — 4,673 2,516 5,140 10,046 — — 22,375 Franchise real estate secured 0% - 5.00% 24,715 152,674 35,974 54,053 35,233 73,922 — — 376,571 >5.00% - 10.00% — 1,245 — — 1,250 2,813 — — 5,308 Greater than 10% — 2,388 — — — — — — 2,388 SBA secured by real estate 0% - 5.00% 6,107 7,452 1,596 5,785 3,459 22,774 — — 47,173 >5.00% - 10.00% — — 761 1,348 1,302 9,414 — — 12,825 Greater than 10% — — — — 1,887 6,581 — — 8,468 Total business loans secured by real estate 281,024 994,405 306,308 342,773 192,883 722,605 4,719 — 2,844,717 Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Commercial loans Commercial and industrial 0% - 5.00% 75,796 410,671 67,470 178,211 101,951 177,185 854,129 1,247 1,866,660 >5.00% - 10.00% 2,111 6,964 1,608 7,018 3,819 3,589 317,797 — 342,906 Greater than 10% 963 1,941 — 12 1,365 1,763 25,522 1,500 33,066 Franchise non-real estate secured 0% - 5.00% 23,120 158,940 15,289 62,490 36,456 35,717 555 — 332,567 >5.00% - 10.00% 462 769 8,020 14,244 5,244 7,306 106 — 36,151 Greater than 10% — — — 1,550 3,517 14,537 — — 19,604 SBA not secured by real estate 0% - 5.00% 663 467 477 87 266 2,451 — — 4,411 >5.00% - 10.00% — — 66 1,775 490 2,301 — — 4,632 Greater than 10% — — — 140 244 692 642 — 1,718 Total commercial loans $ 103,115 $ 579,752 $ 92,930 $ 265,527 $ 153,352 $ 245,541 $ 1,198,751 $ 2,747 $ 2,641,715 Term Loans by Vintage (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Revolving Converted to Term During the Period Total December 31, 2021 Investor loans secured by real estate CRE non-owner-occupied 0% - 5.00% $ 654,823 $ 233,718 $ 375,691 $ 392,892 $ 193,762 $ 682,357 $ 4,022 $ — $ 2,537,265 >5.00% - 10.00% 37,931 22,965 9,174 2,713 23,559 23,707 5,331 — 125,380 Greater than 10% 15,806 13,261 50,175 — 1,067 27,670 513 — 108,492 Multifamily 0% - 5.00% 2,242,420 929,964 1,174,859 442,410 470,107 548,156 286 — 5,808,202 >5.00% - 10.00% 13,226 7,393 24,646 1,807 8,922 6,676 — — 62,670 Greater than 10% 5,062 14,770 — 1,230 — — — — 21,062 Construction and land 0% - 5.00% 110,545 81,029 23,030 8,321 3,857 3,559 — — 230,341 >5.00% - 10.00% 5,500 14,264 9,931 4,094 — — — — 33,789 Greater than 10% 3,487 2,428 7,595 — — — — — 13,510 SBA secured by real estate 0% - 5.00% 130 497 6,259 12,374 15,149 11,572 — — 45,981 >5.00% - 10.00% — — — — — — — — — Greater than 10% — — — — 600 336 — — 936 Total investor loans secured by real estate 3,088,930 1,320,289 1,681,360 865,841 717,023 1,304,033 10,152 — 8,987,628 Term Loans by Vintage (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Revolving Converted to Term During the Period Total December 31, 2021 Business loans secured by real estate CRE owner-occupied 0% - 5.00% 853,044 273,469 287,249 161,635 187,130 456,170 6,738 292 2,225,727 >5.00% - 10.00% — — — — — 8,101 — — 8,101 Greater than 10% — — 2,553 6,075 2,966 5,592 — — 17,186 Franchise real estate secured 0% - 5.00% 154,009 36,335 55,091 37,559 53,519 33,635 1,361 — 371,509 >5.00% - 10.00% 843 — — 2,488 2,769 1,243 — — 7,343 Greater than 10% 1,529 — — — — — — — 1,529 SBA secured by real estate 0% - 5.00% 6,379 2,364 6,040 8,986 8,718 16,947 — — 49,434 >5.00% - 10.00% — — 1,291 139 2,006 7,681 — — 11,117 Greater than 10% — — — 2,062 2,700 3,871 — — 8,633 Total business loans secured by real estate 1,015,804 312,168 352,224 218,944 259,808 533,240 8,099 292 2,700,579 Commercial loans Commercial and industrial 0% - 5.00% 417,780 77,755 192,478 114,593 120,869 67,194 680,662 3,380 1,674,711 >5.00% - 10.00% 8,349 1,880 7,757 2,878 2,476 3,595 375,829 341 403,105 Greater than 10% 1,326 — 159 2,683 863 1,302 18,060 903 25,296 Franchise non-real estate secured 0% - 5.00% 155,064 18,370 64,503 39,389 21,483 21,524 — — 320,333 >5.00% - 10.00% 8,801 5,573 20,703 5,672 2,189 8,840 — — 51,778 Greater than 10% — — 1,589 3,627 13,346 1,903 — — 20,465 SBA not secured by real estate 0% - 5.00% 474 564 1,088 370 732 1,636 — — 4,864 >5.00% - 10.00% — — 205 410 2,074 512 — — 3,201 Greater than 10% — — 756 339 685 547 653 — 2,980 Total commercial loans $ 591,794 $ 104,142 $ 289,238 $ 169,961 $ 164,717 $ 107,053 $ 1,075,204 $ 4,624 $ 2,506,733 Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Investor loans secured by real estate CRE non-owner-occupied 55% and below $ 80,360 $ 370,848 $ 138,963 $ 182,092 $ 166,633 $ 592,412 $ 9,854 — $ 1,541,162 >55-65% 88,510 238,821 90,596 154,776 54,175 250,482 — — 877,360 >65-75% 7,556 60,735 27,529 56,266 130,804 27,166 — — 310,056 Greater than 75% — 229 — 36,128 4,335 5,380 — — 46,072 Multifamily 55% and below 111,585 409,021 197,947 256,819 169,113 449,182 286 — 1,593,953 >55-65% 209,094 944,247 367,310 466,705 194,097 348,010 — — 2,529,463 >65-75% 142,824 896,113 303,401 353,096 36,716 134,308 — — 1,866,458 Greater than 75% 2,491 29,993 3,000 5,766 — 9,961 — — 51,211 Construction and land 55% and below 46,203 129,135 79,651 10,675 4,155 7,389 — — 277,208 >55-65% — 3,850 — 8,916 4,872 — — — 17,638 >65-75% — — — 8,965 — — — — 8,965 Greater than 75% — — — — — — — — — SBA secured by real estate 55% and below 1,966 — — — 1,469 2,908 — — 6,343 >55-65% — — — 2,392 1,941 4,307 — — 8,640 >65-75% — 130 — 2,654 3,113 7,158 — — 13,055 Greater than 75% — — 496 1,089 3,606 9,413 — — 14,604 Total investor loans secured by real estate 690,589 3,083,122 1,208,893 1,546,339 775,029 1,848,076 10,140 — 9,162,188 Business loan secured by real estate CRE owner-occupied 55% and below 121,356 401,001 109,427 104,982 79,468 450,860 4,719 — 1,271,813 >55-65% 59,295 202,766 52,624 63,290 29,886 107,522 — — 515,383 >65-75% 60,334 190,253 105,172 103,746 35,344 32,545 — — 527,394 Greater than 75% 9,217 36,626 754 9,569 5,054 16,174 — — 77,394 Franchise real estate secured 55% and below 17,475 39,481 16,725 14,418 12,385 23,380 — — 123,864 >55-65% — 45,789 11,986 3,995 7,313 12,726 — — 81,809 >65-75% 1,792 33,932 5,426 32,540 9,235 35,728 — — 118,653 Greater than 75% 5,448 37,105 1,837 3,100 7,550 4,901 — — 59,941 SBA secured by real estate 55% and below 1,040 2,508 589 1,646 962 17,411 — — 24,156 >55-65% — 724 555 199 1,454 9,264 — — 12,196 >65-75% — 1,178 327 3,465 647 7,823 — — 13,440 Greater than 75% 5,067 3,042 886 1,823 3,585 4,271 — — 18,674 Total business loans secured by real estate $ 281,024 $ 994,405 $ 306,308 $ 342,773 $ 192,883 $ 722,605 $ 4,719 $ — $ 2,844,717 Term Loans by Vintage (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Revolving Converted to Term During the Period Total December 31, 2021 Investor loans secured by real estate CRE non-owner-occupied 55% and below $ 366,617 $ 141,752 $ 184,553 $ 171,879 $ 130,679 $ 533,990 $ 9,866 $ — $ 1,539,336 >55-65% 277,092 91,539 155,908 86,933 79,043 172,713 — — 863,228 >65-75% 64,619 36,653 58,350 131,975 5,662 25,446 — — 322,705 Greater than 75% 232 — 36,229 4,818 3,004 1,585 — — 45,868 Multifamily 55% and below 397,562 226,129 285,520 181,826 197,276 279,880 286 — 1,568,479 >55-65% 932,115 416,712 510,840 219,710 185,773 198,802 — — 2,463,952 >65-75% 906,910 306,272 391,686 41,174 94,142 67,964 — — 1,808,148 Greater than 75% 24,121 3,014 11,459 2,737 1,838 8,186 — — 51,355 Construction and land 55% and below 116,575 95,293 26,501 4,172 3,857 3,559 — — 249,957 >55-65% 2,957 2,428 5,095 6,650 — — — — 17,130 >65-75% — — 8,960 1,593 — — — — 10,553 Greater than 75% — — — — — — — — — SBA secured by real estate 55% and below — — — 632 693 2,159 — — 3,484 >55-65% — — 2,399 1,950 1,903 3,595 — — 9,847 >65-75% 130 — 2,767 3,630 4,444 4,346 — — 15,317 Greater than 75% — 497 1,093 6,162 8,709 1,808 — — 18,269 Total investor loans secured by real estate 3,088,930 1,320,289 1,681,360 865,841 717,023 1,304,033 10,152 — 8,987,628 Business loan secured by real estate CRE owner-occupied 55% and below 400,857 95,504 107,766 87,779 134,184 347,926 6,738 292 1,181,046 >55-65% 214,798 67,639 60,192 32,283 35,513 80,347 — — 490,772 >65-75% 188,022 78,589 112,217 41,874 12,241 25,460 — — 458,403 Greater than 75% 49,367 31,737 9,627 5,774 8,158 16,130 — — 120,793 Franchise real estate secured 55% and below 32,189 16,889 8,954 12,469 9,163 14,552 1,361 — 95,577 >55-65% 47,521 3,603 10,270 7,442 4,749 9,349 — — 82,934 >65-75% 39,409 13,991 32,743 11,289 29,641 9,768 — — 136,841 Greater than 75% 37,262 1,852 3,124 8,847 12,735 1,209 — — 65,029 SBA secured by real estate 55% and below 4,333 590 1,821 1,123 4,512 14,850 — — 27,229 >55-65% 452 555 199 954 1,524 8,497 — — 12,181 >65-75% 1,082 328 3,478 5,208 4,853 2,793 — — 17,742 Greater than 75% 512 891 1,833 3,902 2,535 2,359 — — 12,032 Total business loans secured by real estate $ 1,015,804 $ 312,168 $ 352,224 $ 218,944 $ 259,808 $ 533,240 $ 8,099 $ 292 $ 2,700,579 The following tables present the FICO bands, at origination, for the retail segment of the loan portfolio as of the dates indicated: Term Loans by Vintage (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Converted to Term During the Period Total March 31, 2022 Retail loans Single family residential Greater than 740 $ — $ 309 $ 194 $ — $ — $ 30,820 $ 18,657 — $ 49,980 >680 - 740 — — — — 31 5,410 4,278 — 9,719 >580 - 680 — — — — — 6,651 755 — 7,406 Less than 580 — — — — — 12,842 31 — 12,873 Consumer loans Greater than 740 — 7 25 26 10 929 1,847 — 2,844 >680 - 740 — 3 — 11 — 330 1,852 — 2,196 >580 - 680 — — — 4 — 51 46 — 101 Less than 580 — — — — — — 16 — 16 Total retail loans $ — $ 319 $ 219 $ 41 $ 41 $ 57,033 $ 27,482 $ — $ 85,135 December 31, 2021 Retail loans Single family residential Greater than 740 $ 313 $ 211 $ — $ — $ 1,446 $ 40,605 $ 17,553 — $ 60,128 >680 - 740 — — — 32 103 7,602 5,579 — 13,316 >580 - 680 — — — — 450 6,989 756 — 8,195 Less than 580 — — — — 9 13,612 32 — 13,653 Consumer loans Greater than 740 7 28 32 19 9 944 2,196 — 3,235 >680 - 740 4 — 17 — 2 431 1,859 — 2,313 >580 - 680 — — 5 — — 54 42 — 101 Less than 580 — — — — — — 16 — 16 Total retail loans $ 324 $ 239 $ 54 $ 51 $ 2,019 $ 70,237 $ 28,033 $ — $ 100,957

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	3 Months Ended
	Mar. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of goodwill	The following table summarizes the change in the balance of goodwill for the periods indicated below: Three Months Ended March 31, December 31, March 31, (Dollars in thousands) 2022 2021 2021 Beginning balance $ 901,312 $ 901,312 $ 898,569 Purchase accounting adjustments — — 1,635 Ending balance $ 901,312 $ 901,312 $ 900,204 Accumulated impairment losses at end of period $ — $ — $ —
Schedule of finite-lived intangible assets	The following table summarizes the change in the balance of core deposit intangibles and customer relationship intangibles, and the related accumulated amortization for the periods indicated below: Three Months Ended March 31, December 31, March 31, (Dollars in thousands) 2022 2021 2021 Gross amount of intangible assets: Beginning balance $ 145,212 $ 145,212 $ 145,212 Additions due to acquisitions — — — Ending balance 145,212 145,212 145,212 Accumulated amortization: Beginning balance (75,641) (71,761) (59,705) Amortization (3,593) (3,880) (4,143) Ending balance (79,234) (75,641) (63,848) Net intangible assets $ 65,978 $ 69,571 $ 81,364

Subordinated Debentures (Tables

Subordinated Debentures (Tables)	3 Months Ended
	Mar. 31, 2022
Debt Disclosure [Abstract]
Schedule of outstanding subordinated debentures	The following table summarizes our outstanding subordinated debentures as of the dates indicated: March 31, 2022 December 31, 2021 (Dollars in thousands) Stated Maturity Current Interest Rate Current Principal Balance Carrying Value Subordinated notes Subordinated notes due 2024, 5.75% per annum September 3, 2024 5.75 % $ 60,000 $ 59,701 $ 59,671 Subordinated notes due 2029, 4.875% per annum until May 15, 2024, 3-month LIBOR +2.5% thereafter May 15, 2029 4.875 % 125,000 123,195 123,132 Subordinated notes due 2030, 5.375% per annum until June 15, 2025, 3-month SOFR +5.170% thereafter June 15, 2030 5.375 % 150,000 147,830 147,764 Total subordinated debentures $ 335,000 $ 330,726 $ 330,567

Earnings per Share (Tables)

Earnings per Share (Tables)	3 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
Schedule of company's unaudited earnings per share calculations	The following tables set forth the Corporation’s earnings per share calculations for the periods indicated: Three Months Ended (Dollars in thousands, except per share data) March 31, 2022 December 31, 2021 March 31, 2021 Basic Net income $ 66,904 $ 84,831 $ 68,668 Less: dividends and undistributed earnings allocated to participating securities (685) (876) (665) Net income allocated to common stockholders $ 66,219 $ 83,955 $ 68,003 Weighted average common shares outstanding 93,499,695 93,415,304 93,529,147 Basic earnings per common share $ 0.71 $ 0.90 $ 0.73 Diluted Net income allocated to common stockholders $ 66,219 $ 83,955 $ 68,003 Weighted average common shares outstanding 93,499,695 93,415,304 93,529,147 Diluted effect of share-based compensation 446,379 491,187 564,497 Weighted average diluted common shares 93,946,074 93,906,491 94,093,644 Diluted earnings per common share $ 0.70 $ 0.89 $ 0.72

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
Schedule of Company's financial instruments measured at fair value on a recurring basis	The following fair value hierarchy table presents information about the Company’s financial assets and liabilities measured at fair value on a recurring basis at the dates indicated: March 31, 2022 Fair Value Measurement Using (Dollars in thousands) Level 1 Level 2 Level 3 Total Fair Value Financial assets AFS investment securities: U.S. Treasury $ — $ 13,990 $ — $ 13,990 Agency — 375,777 — 375,777 Corporate debt — 595,065 — 595,065 Municipal bonds — 415,284 — 415,284 Collateralized mortgage obligations — 855,256 — 855,256 Mortgage-backed securities — 966,723 — 966,723 Total AFS investment securities $ — $ 3,222,095 $ — $ 3,222,095 Derivative assets: Interest rate swaps $ — $ 42,972 $ — $ 42,972 Equity warrants — — 1,908 1,908 Total derivative assets $ — $ 42,972 $ 1,908 $ 44,880 Financial liabilities Derivative liabilities: Interest rate swaps $ — $ 4,241 $ — $ 4,241 December 31, 2021 Fair Value Measurement Using (Dollars in thousands) Level 1 Level 2 Level 3 Total Financial assets AFS investment securities: U.S. Treasury $ — $ 57,866 $ — $ 57,866 Agency — 432,135 — 432,135 Corporate debt — 453,861 — 453,861 Municipal bonds — 1,089,913 — 1,089,913 Collateralized mortgage obligations — 676,643 — 676,643 Mortgage-backed securities — 1,563,446 — 1,563,446 Total AFS investment securities $ — $ 4,273,864 $ — $ 4,273,864 Derivative assets: Interest rate swaps $ — $ 10,100 $ — $ 10,100 Equity warrants — — 1,889 1,889 Total derivative assets $ — $ 10,100 $ 1,889 $ 11,989 Financial liabilities Derivative liabilities: Interest rate swaps $ — $ 5,263 $ — $ 5,263
Schedule of reconciliation of fair value of equity warrants	The following table is a reconciliation of the fair value of the equity warrants that are classified as Level 3 and measured on a recurring basis as of: Three Months Ended March 31, December 31, March 31, (Dollars in thousands) 2022 2021 2021 Beginning balance $ 1,889 $ 1,895 $ 1,914 Change in fair value (1) 19 (6) (3) Ending balance $ 1,908 $ 1,889 $ 1,911 ______________________________ (1) The changes in fair value are included in other income on the consolidated statement of income.
Schedule of quantitative information for level 3 fair value measurements	The following table presents quantitative information about Level 3 fair value measurements for assets measured at fair value on a recurring basis at the dates indicated. March 31, 2022 Range (Dollars in thousands) Fair Value Valuation Technique(s) Unobservable Input(s) Min Max Weighted Average Equity warrants $ 1,908 Black-Scholes Volatility 30.00% 1.63% 5.50% 35.00% 2.45% 16.00% 31.16% 1.82% 13.56% December 31, 2021 Range (Dollars in thousands) Fair Value Valuation Technique(s) Unobservable Input(s) Min Max Weighted Average Equity warrants $ 1,889 Black-Scholes Volatility 30.00% 0.39% 6.00% 35.00% 0.97% 16.00% 31.14% 0.52% 13.61% The following table presents quantitative information about Level 3 fair value measurements for assets measured at fair value on a nonrecurring basis at the dates indicated. March 31, 2022 Range (Dollars in thousands) Fair Value Valuation Technique(s) Unobservable Input(s) Min Max Weighted Average Investor loans secured by real estate CRE non-owner-occupied $ 8,590 Fair value of collateral Collateral discount and cost to sell 7.00% 7.00% 7.00% Commercial loans Commercial and industrial 25,279 Fair value of collateral Collateral discount and cost to sell —% 7.40% 6.35% Total individually evaluated loans $ 33,869 December 31, 2021 Range (Dollars in thousands) Fair Value Valuation Technique(s) Unobservable Input(s) Min Max Weighted Average Investor loans secured by real estate SBA secured by real estate (1) $ 937 Fair value of collateral Collateral discount and cost to sell 10.00% 10.00% 10.00% Total individually evaluated loans $ 937 ______________________________ (1) SBA loans that are collateralized by hotel/motel real property.
Schedule of Company's financial instruments measured at fair value on a nonrecurring basis	The following table presents our assets measured at fair value on a nonrecurring basis at the dates indicated. March 31, 2022 (Dollars in thousands) Level 1 Level 2 Level 3 Total Financial assets Collateral dependent loans $ — $ — $ 33,869 $ 33,869 December 31, 2021 (Dollars in thousands) Level 1 Level 2 Level 3 Total Financial assets Collateral dependent loans $ — $ — $ 937 $ 937
Schedule of carrying amount and estimated fair value of financial instruments	The fair value estimates presented herein are based on pertinent information available to management as of the dates indicated, representing an exit price. At March 31, 2022 (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Estimated Assets Cash and cash equivalents $ 809,259 $ 809,259 $ — $ — $ 809,259 Interest-bearing time deposits with financial institutions 2,216 2,216 — — 2,216 Investment securities held-to-maturity 996,382 — 886,050 — 886,050 Investment securities available-for-sale 3,222,095 — 3,222,095 — 3,222,095 Loans held for sale 11,646 — 12,622 — 12,622 Loans held for investment, net 14,733,755 — — 14,623,169 14,623,169 Derivative assets 44,880 — 42,972 1,908 44,880 Accrued interest receivable 60,922 — 60,922 — 60,922 Liabilities Deposit accounts $ 17,689,223 $ — $ 17,685,458 $ — $ 17,685,458 FHLB advances 600,000 — 598,334 — 598,334 Subordinated debentures 330,726 — 338,603 — 338,603 Derivative liabilities 4,241 — 4,241 — 4,241 Accrued interest payable 5,115 — 5,115 — 5,115 At December 31, 2021 (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Estimated Assets Cash and cash equivalents $ 304,703 $ 304,703 $ — $ — $ 304,703 Interest-bearing time deposits with financial institutions 2,216 2,216 — — 2,216 Investment securities held-to-maturity 381,674 — 384,423 — 384,423 Investment securities available-for-sale 4,273,864 — 4,273,864 — 4,273,864 Loans held for sale 10,869 — 11,959 — 11,959 Loans held for investment, net 14,295,897 — — 14,392,684 14,392,684 Derivative assets 11,989 — 10,100 1,889 11,989 Accrued interest receivable 65,728 65,728 — — 65,728 Liabilities Deposit accounts $ 17,115,589 $ 16,057,316 $ 1,058,822 $ — $ 17,116,138 FHLB advances 550,000 — 550,093 — 550,093 Other borrowings 8,000 — 8,000 — 8,000 Subordinated debentures 330,567 — 350,359 — 350,359 Derivative liabilities 5,263 — 5,263 — 5,263 Accrued interest payable 2,366 2,366 — — 2,366

Derivative Instruments (Tables)

Derivative Instruments (Tables)	3 Months Ended
	Mar. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of derivative instruments in statement of financial condition and statements of income related to cumulative basis adjustment for fair value hedges	The following amounts were recorded on the consolidated statement of financial condition related to cumulative basis adjustment for fair value hedges as of the dates indicated: Line Item in the Statement of Financial Position in Which the Hedged Item is Included Carrying Amount of the Hedged Assets Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets (Dollars in thousands) March 31, 2022 December 31, 2021 March 31, 2022 December 31, 2021 Loans held for investment (1) $ 1,160,779 $ 1,194,702 $ (39,221) $ (5,298) Total $ 1,160,779 $ 1,194,702 $ (39,221) $ (5,298) ______________________________ (1) These amounts include the amortized cost basis of closed portfolios used to designate hedging relationships in which the hedged item is the last layer expected to be remaining at the end of the hedging relationship. At March 31, 2022 and December 31, 2021, the amortized cost basis of the closed portfolios used in these hedging relationships was $3.47 billion and $3.61 billion, respectively, the cumulative basis adjustments associated with these hedging relationships was $(39.2) million and $(5.3) million, respectively; and the amounts of the designated hedged items were $1.20 billion and $1.20 billion, respectively. The following table presents the effect of fair value hedge accounting on the consolidated statements of income: For the Three Months Ended (Dollars in thousands) Location of Gain (Loss) Recognized in Income on Derivative Instruments March 31, 2022 December 31, 2021 March 31, 2021 Gain (loss) on fair value hedging relationships: Hedged items Interest Income $ (33,924) $ (4,271) $ — Derivatives designated as hedging instruments Interest Income 32,257 3,451 —
Schedule of derivative instruments	The following tables summarize the Company's derivative instruments included in other assets and other liabilities in the consolidated statements of financial condition: March 31, 2022 Derivative Assets Derivative Liabilities (Dollars in thousands) Notional Fair Value Notional Fair Value Derivative instruments designated as hedging instruments: Fair value hedge - interest rate swap contracts $ 1,200,000 $ 38,734 $ — $ — Total derivative designated as hedging instruments 1,200,000 38,734 — — Derivative instruments not designated as hedging instruments: Interest rate swaps contracts 130,444 4,238 130,444 4,241 Equity warrants — 1,908 — — Total derivative not designated as hedging instruments 130,444 6,146 130,444 4,241 Total derivatives $ 1,330,444 $ 44,880 $ 130,444 $ 4,241 December 31, 2021 Derivative Assets Derivative Liabilities (Dollars in thousands) Notional Fair Value Notional Fair Value Derivative instruments designated as hedging instruments: Fair value hedge - interest rate swap contracts $ 1,100,000 $ 4,874 $ 100,000 $ 33 Total derivative designated as hedging instruments 1,100,000 4,874 100,000 33 Derivative instruments not designated as hedging instruments: Interest rate swaps contracts 132,056 5,226 132,056 5,230 Equity warrants — 1,889 — — Total derivative not designated as hedging instruments 132,056 7,115 132,056 5,230 Total derivatives $ 1,232,056 $ 11,989 $ 232,056 $ 5,263 The following table summarizes the effect of the derivatives not designated as hedging instruments in the consolidated statements of income. (Dollars in thousands) For the Three Months Ended Derivatives Not Designated as Hedging Instruments: Location of Gain (Loss) Recognized in Income on Derivative Instruments March 31, 2022 December 31, 2021 March 31, 2021 Interest rate products Other income $ 1 $ — $ 7 Equity warrants Other income 19 (5) (3) Total $ 20 $ (5) $ 4

Balance Sheet Offsetting (Table

Balance Sheet Offsetting (Tables)	3 Months Ended
	Mar. 31, 2022
Offsetting [Abstract]
Schedule of financial instruments eligible for offset in consolidated statements of financial condition	Financial instruments that are eligible for offset in the consolidated statements of financial condition as of the periods indicated are presented below: Gross Amounts Not Offset in the Consolidated (Dollars in thousands) Gross Amounts Recognized Gross Amounts Offset in the Consolidated Statements of Financial Condition Net Amounts Presented in the Consolidated Statements of Financial Condition Financial Instruments (1) Cash Collateral (2) Net Amount March 31, 2022 Derivative assets: Interest rate swaps $ 42,972 $ — $ 42,972 $ — $ (25,345) $ 17,627 Total $ 42,972 $ — $ 42,972 $ — $ (25,345) $ 17,627 Derivative liabilities: Interest rate swaps $ 4,241 $ — $ 4,241 $ — $ (172) $ 4,069 Total $ 4,241 $ — $ 4,241 $ — $ (172) $ 4,069 December 31, 2021 Derivative assets: Interest rate swaps $ 10,100 $ — $ 10,100 $ — $ — $ 10,100 Total $ 10,100 $ — $ 10,100 $ — $ — $ 10,100 Derivative liabilities: Interest rate swaps $ 5,263 $ — $ 5,263 $ (4,377) $ (886) $ — Total $ 5,263 $ — $ 5,263 $ (4,377) $ (886) $ — (1) Represents the fair value of securities pledged with counterparty bank. (2) Represents cash collateral received from or pledged with counterparty bank.

Leases (Tables)

Leases (Tables)	3 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Components of lease expense	The Company’s lease expense is recorded in premises and occupancy expense in the consolidated statements of income. The following table presents the components of lease expense for the periods indicated: Three Months Ended (Dollars in thousands) March 31, 2022 December 31, 2021 March 31, 2021 Operating lease $ 4,738 $ 4,756 5,012 Short-term lease 490 353 507 Total lease expense $ 5,228 $ 5,109 $ 5,519
Schedule of supplemental information	The following table presents supplemental information related to operating leases as of and for three months ended: (Dollars in thousands) March 31, 2022 December 31, 2021 Balance Sheet: Operating lease right-of-use assets $ 60,819 $ 64,009 Operating lease liabilities 69,151 72,541 Three Months Ended (Dollars in thousands) March 31, 2022 March 31, 2021 Cash Flows: Operating cash outflow from operating leases $ 4,959 $ 2,000
Schedule of minimum contractual lease payments and other information	The following table provides information related to minimum contractual lease payments and other information associated with the Company’s leases as of the dates indicated: (Dollars in thousands) 2022 2023 2024 2025 2026 Thereafter Total March 31, 2022 Operating leases $ 14,779 $ 19,163 $ 17,111 $ 11,400 $ 5,731 $ 9,541 $ 77,725 Short-term leases 320 — — — — — 320 Total contractual base rents (1) $ 15,099 $ 19,163 $ 17,111 $ 11,400 $ 5,731 $ 9,541 $ 78,045 Total liability to make lease payments $ 69,151 Difference in undiscounted and discounted future lease payments $ 8,574 Weighted average discount rate 5.51 % Weighted average remaining lease term (years) 4.6 ______________________________ (1) Contractual base rents reflect options to extend and renewals, and do not include property taxes and other operating expenses due under respective lease agreements.

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	3 Months Ended
	Mar. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Summary of variable interest entities	The following table provides a summary of the carrying amount of assets and liabilities in the Company’s consolidated statements of financial condition and maximum exposure to loss as of March 31, 2022 and December 31, 2021 that relate to variable interests in non-consolidated VIEs. March 31, 2022 December 31, 2021 (Dollars in thousands) Maximum Loss Assets Liabilities Maximum Loss Assets Liabilities Multifamily loan securitization: Investment securities (1) $ 77,939 $ 77,939 $ — $ 81,103 $ 81,103 $ — Reimbursement obligation (2) 50,901 — 338 50,901 — 338 Affordable housing partnership: Other investments (3) 65,861 82,732 — 68,765 85,994 — Unfunded equity commitments (2) — — 16,871 — — 17,229 Total $ 194,701 $ 160,671 $ 17,209 $ 200,769 $ 167,097 $ 17,567 ______________________________ (1) Included in investment securities AFS on the consolidated statement of financial condition. (2) Included in accrued expenses and other liabilities on the consolidated statement of financial condition.

Significant Accounting Polici_3

Significant Accounting Policies (Details)	3 Months Ended
	Mar. 31, 2022
Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Weighted average useful life (in years)	6 years
Maximum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Weighted average useful life (in years)	11 years

Investment Securities - Amortiz

Investment Securities - Amortized Cost and Estimated Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Jan. 01, 2022	Dec. 31, 2021
AFS investment securities:
Amortized  Cost	$ 3,394,924		$ 4,278,589
Gross Unrealized Gain	2,367		46,232
Gross Unrealized Loss	(175,196)		(50,957)
Estimated Fair Value	3,222,095		4,273,864
HTM investment securities:
Amortized  Cost	996,423		381,696
Allowance for Credit Losses	(41)		(22)
Net Carrying Amount	996,382		381,674
Gross Unrecognized Gain	96		4,398
Gross Unrecognized Loss	(110,428)		(1,649)
Estimated Fair Value	886,050		384,423
U.S. Treasury
AFS investment securities:
Amortized  Cost	14,930		57,708
Gross Unrealized Gain	0		614
Gross Unrealized Loss	(940)		(456)
Estimated Fair Value	13,990		57,866
Agency
AFS investment securities:
Amortized  Cost	406,654		440,183
Gross Unrealized Gain	0		2,081
Gross Unrealized Loss	(30,877)		(10,129)
Estimated Fair Value	375,777		432,135
Corporate debt
AFS investment securities:
Amortized  Cost	612,647		451,621
Gross Unrealized Gain	702		6,096
Gross Unrealized Loss	(18,284)		(3,856)
Estimated Fair Value	595,065		453,861
Municipal bonds
AFS investment securities:
Amortized  Cost	445,537		1,061,985
Gross Unrealized Gain	58		32,209
Gross Unrealized Loss	(30,311)		(4,281)
Estimated Fair Value	415,284		1,089,913
HTM investment securities:
Amortized  Cost	747,887		368,344
Allowance for Credit Losses	(41)		(22)
Net Carrying Amount	747,846		368,322
Gross Unrecognized Gain	0		3,834
Gross Unrecognized Loss	(101,757)	$ (6,900)	(1,649)
Estimated Fair Value	646,089		370,507
Collateralized mortgage obligations
AFS investment securities:
Amortized  Cost	874,382		680,686
Gross Unrealized Gain	1,606		2,012
Gross Unrealized Loss	(20,732)		(6,055)
Estimated Fair Value	855,256		676,643
Mortgage-backed securities
AFS investment securities:
Amortized  Cost	1,040,774		1,586,406
Gross Unrealized Gain	1		3,220
Gross Unrealized Loss	(74,052)		(26,180)
Estimated Fair Value	966,723		1,563,446
HTM investment securities:
Amortized  Cost	247,050		11,843
Allowance for Credit Losses	0		0
Net Carrying Amount	247,050		11,843
Gross Unrecognized Gain	96		564
Gross Unrecognized Loss	(8,671)	$ (16,200)	0
Estimated Fair Value	238,475		12,407
Other
HTM investment securities:
Amortized  Cost	1,486		1,509
Allowance for Credit Losses	0		0
Net Carrying Amount	1,486		1,509
Gross Unrecognized Gain	0		0
Gross Unrecognized Loss	0		0
Estimated Fair Value	$ 1,486		$ 1,509

Investment Securities - Narrati

Investment Securities - Narrative (Details)	3 Months Ended			12 Months Ended
	Mar. 31, 2022USD ($)investment_security	Dec. 31, 2021USD ($)investment_security	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)investment_security	Jan. 01, 2022USD ($)
Investment Securities
Net carrying amount of securities transferred from available-for-sale to held-to-maturity	$ 618,678,000		$ 0
Unrealized loss on securities transferred from available-for-sale to held-to-maturity	110,428,000	$ 1,649,000		$ 1,649,000
Investment securities pledged	56,500,000	130,700,000		130,700,000
Accumulated other comprehensive income (loss), net of tax	(144,233,000)	(7,862,000)		(7,862,000)
Investments held-to-maturity, allowance for credit losses	41,000	22,000		22,000
Investments held-to-maturity, provision for credit losses	19,000		0	11,000
Allowance for credit losses on debt securities, Available-for-sale	0	0		$ 0
Available-for-sale securities, provision for credit losses	$ 0	$ 0	0
Available-for-sale and held-to-maturity securities in nonaccrual status | investment_security	0	0		0
Available-for-sale and held-to-maturity securities purchased with deterioration in credit quality | investment_security	0	0		0
Available-for-sale and held-to-maturity collateral dependent | investment_security	0	0		0
FHLB stock	$ 17,300,000	$ 17,300,000		$ 17,300,000
FRB stock	74,600,000	74,500,000		74,500,000
Other stock	25,100,000	25,700,000		25,700,000
Amount of stock repurchased by FHLB	0	0	$ 0
Impairment loss on investments in FHLB, FRB and other stock	0
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Investment Securities
Accumulated other comprehensive income (loss) before tax amount	(172,800,000)	(4,700,000)		(4,700,000)
Accumulated other comprehensive income (loss), net of tax	(123,500,000)	(3,300,000)		(3,300,000)
Municipal bonds
Investment Securities
Securities transferred from available-for-sale to held-to-maturity	386,800,000
Net carrying amount of securities transferred from available-for-sale to held-to-maturity	379,900,000
Unrealized loss on securities transferred from available-for-sale to held-to-maturity	101,757,000	1,649,000		1,649,000	$ 6,900,000
Accumulated other comprehensive income (loss), net of tax	(20,800,000)
Mortgage-backed securities
Investment Securities
Securities transferred from available-for-sale to held-to-maturity	255,000,000
Net carrying amount of securities transferred from available-for-sale to held-to-maturity	238,800,000
Unrealized loss on securities transferred from available-for-sale to held-to-maturity	$ 8,671,000	$ 0		$ 0	$ 16,200,000

Investment Securities - Investm

Investment Securities - Investment Category and Length of Time (Details) $ in Thousands	Mar. 31, 2022USD ($)investment_security	Dec. 31, 2021USD ($)investment_security
Less than 12 Months
Number | investment_security	242	204
Fair Value	$ 2,134,779	$ 2,302,658
Gross Unrealized Losses	$ (124,586)	$ (35,173)
12 Months or Longer
Number | investment_security	62	51
Fair Value	$ 608,615	$ 477,926
Gross Unrealized Losses	$ (50,610)	$ (15,784)
Total
Number | investment_security	304	255
Fair Value	$ 2,743,394	$ 2,780,584
Gross Unrealized Losses	$ (175,196)	$ (50,957)
U.S. Treasury
Less than 12 Months
Number | investment_security	1	3
Fair Value	$ 13,990	$ 47,235
Gross Unrealized Losses	$ (940)	$ (456)
12 Months or Longer
Number | investment_security	0	0
Fair Value	$ 0	$ 0
Gross Unrealized Losses	$ 0	$ 0
Total
Number | investment_security	1	3
Fair Value	$ 13,990	$ 47,235
Gross Unrealized Losses	$ (940)	$ (456)
Agency
Less than 12 Months
Number | investment_security	9	19
Fair Value	$ 72,300	$ 278,078
Gross Unrealized Losses	$ (6,489)	$ (5,634)
12 Months or Longer
Number | investment_security	26	16
Fair Value	$ 303,476	$ 119,750
Gross Unrealized Losses	$ (24,388)	$ (4,495)
Total
Number | investment_security	35	35
Fair Value	$ 375,776	$ 397,828
Gross Unrealized Losses	$ (30,877)	$ (10,129)
Corporate debt
Less than 12 Months
Number | investment_security	44	17
Fair Value	$ 449,423	$ 166,563
Gross Unrealized Losses	$ (10,400)	$ (849)
12 Months or Longer
Number | investment_security	3	3
Fair Value	$ 52,241	$ 57,274
Gross Unrealized Losses	$ (7,884)	$ (3,007)
Total
Number | investment_security	47	20
Fair Value	$ 501,664	$ 223,837
Gross Unrealized Losses	$ (18,284)	$ (3,856)
Municipal bonds
Less than 12 Months
Number | investment_security	85	36
Fair Value	$ 397,687	$ 277,564
Gross Unrealized Losses	$ (30,158)	$ (4,079)
12 Months or Longer
Number | investment_security	1	2
Fair Value	$ 1,444	$ 6,596
Gross Unrealized Losses	$ (153)	$ (202)
Total
Number | investment_security	86	38
Fair Value	$ 399,131	$ 284,160
Gross Unrealized Losses	$ (30,311)	$ (4,281)
Collateralized mortgage obligations
Less than 12 Months
Number | investment_security	32	26
Fair Value	$ 320,962	$ 226,763
Gross Unrealized Losses	$ (10,317)	$ (3,738)
12 Months or Longer
Number | investment_security	23	15
Fair Value	$ 165,246	$ 121,185
Gross Unrealized Losses	$ (10,415)	$ (2,317)
Total
Number | investment_security	55	41
Fair Value	$ 486,208	$ 347,948
Gross Unrealized Losses	$ (20,732)	$ (6,055)
Mortgage-backed securities
Less than 12 Months
Number | investment_security	71	103
Fair Value	$ 880,417	$ 1,306,455
Gross Unrealized Losses	$ (66,282)	$ (20,417)
12 Months or Longer
Number | investment_security	9	15
Fair Value	$ 86,208	$ 173,121
Gross Unrealized Losses	$ (7,770)	$ (5,763)
Total
Number | investment_security	80	118
Fair Value	$ 966,625	$ 1,479,576
Gross Unrealized Losses	$ (74,052)	$ (26,180)

Investment Securities - Schedul

Investment Securities - Schedule of Allowance for Credit Losses on Held-to-Maturity Debt Securities (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Balance, December 31, 2021	$ 22
Provision for Credit Losses	19	$ 0	$ 11
Balance, March 31, 2022	$ 41		$ 22

Investment Securities - Inves_2

Investment Securities - Investment Securities by External Credit Rating (Details) $ in Thousands	Mar. 31, 2022USD ($)
Debt Securities, Available-for-sale [Line Items]
2022	$ 341,830
2021	1,621,739
2020	1,725,986
2019	328,743
2018	51,998
Prior	148,222
Total	4,218,518
Investment securities available-for-sale
Debt Securities, Available-for-sale [Line Items]
2022	341,830
2021	1,369,820
2020	1,002,372
2019	319,877
2018	48,474
Prior	139,722
Total	3,222,095
Investment securities available-for-sale | U.S. Treasury | Aaa - Aa3
Debt Securities, Available-for-sale [Line Items]
2022	0
2021	13,990
2020	0
2019	0
2018	0
Prior	0
Total	13,990
Investment securities available-for-sale | Agency | Aaa - Aa3
Debt Securities, Available-for-sale [Line Items]
2022	0
2021	22,827
2020	282,195
2019	23,967
2018	33,635
Prior	6,603
Total	369,227
Investment securities available-for-sale | Agency | Baa1 - Baa3
Debt Securities, Available-for-sale [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	6,550
Total	6,550
Investment securities available-for-sale | Corporate debt | Aaa - Aa3
Debt Securities, Available-for-sale [Line Items]
2022	39,946
2021	0
2020	0
2019	0
2018	0
Prior	0
Total	39,946
Investment securities available-for-sale | Corporate debt | Baa1 - Baa3
Debt Securities, Available-for-sale [Line Items]
2022	34,267
2021	52,711
2020	92,122
2019	25,664
2018	0
Prior	9,789
Total	214,553
Investment securities available-for-sale | Corporate debt | A1 - A3
Debt Securities, Available-for-sale [Line Items]
2022	74,565
2021	203,779
2020	62,222
2019	0
2018	0
Prior	0
Total	340,566
Investment securities available-for-sale | Municipal bonds | Aaa - Aa3
Debt Securities, Available-for-sale [Line Items]
2022	0
2021	43,333
2020	222,497
2019	136,748
2018	0
Prior	12,706
Total	415,284
Investment securities available-for-sale | Collateralized mortgage obligations | Aaa - Aa3
Debt Securities, Available-for-sale [Line Items]
2022	173,442
2021	260,990
2020	229,588
2019	74,720
2018	14,839
Prior	101,677
Total	855,256
Investment securities available-for-sale | Mortgage-backed securities | Aaa - Aa3
Debt Securities, Available-for-sale [Line Items]
2022	19,610
2021	772,190
2020	113,748
2019	58,778
2018	0
Prior	2,397
Total	966,723
Investment securities held-to-maturity
Debt Securities, Available-for-sale [Line Items]
2022	0
2021	251,919
2020	723,614
2019	8,866
2018	3,524
Prior	8,500
Total	996,423
Investment securities held-to-maturity | Municipal bonds | Aaa - Aa3
Debt Securities, Available-for-sale [Line Items]
2022	0
2021	116,523
2020	622,498
2019	8,866
2018	0
Prior	0
Total	747,887
Investment securities held-to-maturity | Mortgage-backed securities | Aaa - Aa3
Debt Securities, Available-for-sale [Line Items]
2022	0
2021	135,396
2020	101,116
2019	0
2018	2,942
Prior	7,596
Total	247,050
Investment securities held-to-maturity | Other | Baa1 - Baa3
Debt Securities, Available-for-sale [Line Items]
2022	0
2021	0
2020	0
2019	0
2018	582
Prior	904
Total	$ 1,486

Investment Securities - Realize

Investment Securities - Realized Gains and Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Amortized cost of AFS investment securities sold	$ 658,505	$ 267,114	$ 172,320
Gross realized gains	13,637	4,723	4,237
Gross realized losses	(11,503)	(1,138)	(191)
Net realized gains on sales of AFS investment securities	$ 2,134	$ 3,585	$ 4,046

Investment Securities - By Cont

Investment Securities - By Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Amortized Cost
Due in One Year or Less	$ 0
Due after One Year through Five Years	500,669
Due after Five Years through Ten Years	1,391,429
Due after Ten Years	1,502,826
Amortized  Cost	3,394,924	$ 4,278,589
Fair Value
Due in One Year or Less	0
Due after One Year through Five Years	481,351
Due after Five Years through Ten Years	1,312,217
Due after Ten Years	1,428,527
Total	3,222,095	4,273,864
Amortized Cost
Due in One Year or Less	0
Due after One Year through Five Years	0
Due after Five Years through Ten Years	44,774
Due after Ten Years	951,649
Total	996,423	381,696
Fair Value
Due in One Year or Less	0
Due after One Year through Five Years	0
Due after Five Years through Ten Years	42,509
Due after Ten Years	843,541
Total	886,050	384,423
Amortized Cost
Due in One Year or Less	0
Due after One Year through Five Years	500,669
Due after Five Years through Ten Years	1,436,203
Due after Ten Years	2,454,475
Total	4,391,347
Fair Value
Due in One Year or Less	0
Due after One Year through Five Years	481,351
Due after Five Years through Ten Years	1,354,726
Due after Ten Years	2,272,068
Total	4,108,145
U.S. Treasury
Amortized Cost
Due in One Year or Less	0
Due after One Year through Five Years	0
Due after Five Years through Ten Years	14,930
Due after Ten Years	0
Amortized  Cost	14,930	57,708
Fair Value
Due in One Year or Less	0
Due after One Year through Five Years	0
Due after Five Years through Ten Years	13,990
Due after Ten Years	0
Total	13,990	57,866
Agency
Amortized Cost
Due in One Year or Less	0
Due after One Year through Five Years	271,342
Due after Five Years through Ten Years	97,419
Due after Ten Years	37,893
Amortized  Cost	406,654	440,183
Fair Value
Due in One Year or Less	0
Due after One Year through Five Years	254,013
Due after Five Years through Ten Years	88,539
Due after Ten Years	33,225
Total	375,777	432,135
Corporate debt
Amortized Cost
Due in One Year or Less	0
Due after One Year through Five Years	192,589
Due after Five Years through Ten Years	405,058
Due after Ten Years	15,000
Amortized  Cost	612,647	451,621
Fair Value
Due in One Year or Less	0
Due after One Year through Five Years	190,794
Due after Five Years through Ten Years	389,354
Due after Ten Years	14,917
Total	595,065	453,861
Municipal bonds
Amortized Cost
Due in One Year or Less	0
Due after One Year through Five Years	0
Due after Five Years through Ten Years	18,061
Due after Ten Years	427,476
Amortized  Cost	445,537	1,061,985
Fair Value
Due in One Year or Less	0
Due after One Year through Five Years	0
Due after Five Years through Ten Years	16,806
Due after Ten Years	398,478
Total	415,284	1,089,913
Amortized Cost
Due in One Year or Less	0
Due after One Year through Five Years	0
Due after Five Years through Ten Years	44,774
Due after Ten Years	703,113
Total	747,887	368,344
Fair Value
Due in One Year or Less	0
Due after One Year through Five Years	0
Due after Five Years through Ten Years	42,509
Due after Ten Years	603,580
Total	646,089	370,507
Collateralized mortgage obligations
Amortized Cost
Due in One Year or Less	0
Due after One Year through Five Years	36,738
Due after Five Years through Ten Years	243,674
Due after Ten Years	593,970
Amortized  Cost	874,382	680,686
Fair Value
Due in One Year or Less	0
Due after One Year through Five Years	36,544
Due after Five Years through Ten Years	231,495
Due after Ten Years	587,217
Total	855,256	676,643
Mortgage-backed securities
Amortized Cost
Due in One Year or Less	0
Due after One Year through Five Years	0
Due after Five Years through Ten Years	612,287
Due after Ten Years	428,487
Amortized  Cost	1,040,774	1,586,406
Fair Value
Due in One Year or Less	0
Due after One Year through Five Years	0
Due after Five Years through Ten Years	572,033
Due after Ten Years	394,690
Total	966,723	1,563,446
Amortized Cost
Due in One Year or Less	0
Due after One Year through Five Years	0
Due after Five Years through Ten Years	0
Due after Ten Years	247,050
Total	247,050	11,843
Fair Value
Due in One Year or Less	0
Due after One Year through Five Years	0
Due after Five Years through Ten Years	0
Due after Ten Years	238,475
Total	238,475	$ 12,407
Other
Amortized Cost
Due in One Year or Less	0
Due after One Year through Five Years	0
Due after Five Years through Ten Years	0
Due after Ten Years	1,486
Total	1,486
Fair Value
Due in One Year or Less	0
Due after One Year through Five Years	0
Due after Five Years through Ten Years	0
Due after Ten Years	1,486
Total	$ 1,486

Loans Held for Investment - Com

Loans Held for Investment - Composition of Loan Portfolio (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020
Loans Held for Investment
Loans held for investment	$ 14,733,755	$ 14,295,897
Allowance for credit losses for loans held for investment	(197,517)	(197,752)	$ (266,999)	$ (268,018)
Loans held for investment, net	14,536,238	14,098,145
Loans held for sale, at lower of cost or fair value	11,646	10,869
Net deferred origination fees (costs)	3,900	3,500
Unaccreted mark-to-market discount	71,200	77,100
Total unfunded loan commitments
Loans Held for Investment
Loans held for investment	2,940,370	2,507,911
Investor loans secured by real estate
Loans Held for Investment
Loans held for investment	9,162,188	8,987,628
Investor loans secured by real estate | CRE non-owner-occupied
Loans Held for Investment
Loans held for investment	2,774,650	2,771,137
Allowance for credit losses for loans held for investment	(35,974)	(37,380)	(45,545)	(49,176)
Investor loans secured by real estate | Multifamily
Loans Held for Investment
Loans held for investment	6,041,085	5,891,934
Allowance for credit losses for loans held for investment	(54,325)	(55,209)	(79,815)	(62,534)
Investor loans secured by real estate | Construction and land
Loans Held for Investment
Loans held for investment	303,811	277,640
Allowance for credit losses for loans held for investment	(5,219)	(5,211)	(13,263)	(12,435)
Investor loans secured by real estate | SBA secured by real estate
Loans Held for Investment
Loans held for investment	42,642	46,917
Allowance for credit losses for loans held for investment	(3,050)	(3,201)	(5,141)	(5,159)
Business loans secured by real estate
Loans Held for Investment
Loans held for investment	2,844,717	2,700,579
Business loans secured by real estate | SBA secured by real estate
Loans Held for Investment
Loans held for investment	68,466	69,184
Allowance for credit losses for loans held for investment	(5,195)	(4,866)	(6,451)	(6,567)
Business loans secured by real estate | CRE owner-occupied
Loans Held for Investment
Loans held for investment	2,391,984	2,251,014
Allowance for credit losses for loans held for investment	(31,891)	(29,575)	(41,594)	(50,517)
Business loans secured by real estate | Franchise real estate secured
Loans Held for Investment
Loans held for investment	384,267	380,381
Allowance for credit losses for loans held for investment	(7,977)	(7,985)	(10,876)	(11,451)
Commercial loans
Loans Held for Investment
Loans held for investment	2,641,715	2,506,733
Commercial loans | Commercial and industrial
Loans Held for Investment
Loans held for investment	2,242,632	2,103,112
Allowance for credit losses for loans held for investment	(38,598)	(38,136)	(43,373)	(46,964)
Commercial loans | Franchise non-real estate secured
Loans Held for Investment
Loans held for investment	388,322	392,576
Allowance for credit losses for loans held for investment	(14,304)	(15,084)	(18,903)	(20,525)
Commercial loans | SBA non-real estate secured
Loans Held for Investment
Loans held for investment	10,761	11,045
Allowance for credit losses for loans held for investment	(490)	(565)	(890)	(995)
Retail loans
Loans Held for Investment
Loans held for investment	85,135	100,957
Retail loans | Single family residential
Loans Held for Investment
Loans held for investment	79,978	95,292
Allowance for credit losses for loans held for investment	(233)	(255)	(822)	(1,204)
Retail loans | Consumer
Loans Held for Investment
Loans held for investment	5,157	5,665
Allowance for credit losses for loans held for investment	$ (261)	$ (285)	$ (326)	$ (491)

Loans Held for Investment - Nar

Loans Held for Investment - Narrative (Details)	1 Months Ended	3 Months Ended		12 Months Ended
	Dec. 31, 2016USD ($)	Mar. 31, 2022USD ($)arealoangrade	Mar. 31, 2021USD ($)loan	Dec. 31, 2021USD ($)
Loans Held for Investment
Servicing rights retained from guaranteed portion of SBA loans sold		$ 3,700,000		$ 3,800,000
Accrued expenses and other liabilities		219,329,000		203,962,000
Unpaid principal balance for loans and participations serviced for others		542,400,000		565,800,000
Secured loans limit to one borrower		823,300,000
Unsecured loans limit to one borrower		494,000,000
Aggregate outstanding balance of loans to one borrower of secured credit		$ 235,500,000
Number of areas where the entity's credit quality is maintained and credit risk managed | area		2
Number of pass scale grades | grade		6
Individually evaluated loans		$ 55,300,000		31,300,000
ACL attributable to individually evaluated loans		$ 1,200,000		1,500,000
Number of TDR loans | loan		6
Total recorded balance of loans modified as TDR		$ 16,900,000		17,300,000
Premodification TDR			$ 0
Number of loans, subsequent default | loan			0
Total nonaccrual loans		55,309,000		31,273,000
Loans 90 days or more past due and still accruing		1,800,000		0
Consumer mortgage loans collateralized by residential real estate, foreclosure proceedings in process		0		0
Financial Asset Acquired with Credit Deterioration
Loans Held for Investment
Loans held for investment		542,400,000		567,600,000
Discounted Cash Flow Approach
Loans Held for Investment
Individually evaluated loans		11,800,000		12,400,000
Underlying Value of the Collateral
Loans Held for Investment
Individually evaluated loans		$ 43,500,000		18,900,000
Multifamily Loan Securitization, Liability | Variable Interest Entity, Not Primary Beneficiary
Loans Held for Investment
Maximum loss, percentage of loans		10.00%
Multifamily Loan Securitization
Loans Held for Investment
Unpaid principal balance for loans and participations serviced for others		$ 75,900,000		78,100,000
Multifamily Loan Securitization | Variable Interest Entity, Not Primary Beneficiary
Loans Held for Investment
Accrued expenses and other liabilities		338,000		338,000
Multifamily Loan Securitization | Opus Bank
Loans Held for Investment
Proceeds from sale of loans receivable	$ 509,000,000
SBA
Loans Held for Investment
Unpaid principal balance for loans and participations serviced for others		343,900,000		365,600,000
CRE owner-occupied & Commercial and industrial
Loans Held for Investment
Total recorded balance of postmodification TDR		$ 5,100,000		5,200,000
CRE owner-occupied
Loans Held for Investment
Number of loans modified | loan		3
Commercial and industrial
Loans Held for Investment
Number of loans modified | loan		1
Franchise non-real estate secured
Loans Held for Investment
Number of loans modified | loan		2
Total recorded balance of postmodification TDR		$ 11,800,000		$ 12,100,000

Loans Held for Investment - Int

Loans Held for Investment - Internal Risk Grading System under ASC 326 (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	$ 1,074,728	$ 4,696,852
Fiscal Year before Current Fiscal Year	4,657,598	1,736,838
Two Years before Current Fiscal Year	1,608,350	2,322,876
Three Years before Current Fiscal Year	2,154,680	1,254,797
Four Years before Current Fiscal Year	1,121,305	1,143,567
Prior	2,873,255	2,014,563
Revolving	1,241,092	1,121,488
Revolving Converted to Term During the Period	2,747	4,916
Total	14,733,755	14,295,897
Investor loans secured by real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	690,589	3,088,930
Fiscal Year before Current Fiscal Year	3,083,122	1,320,289
Two Years before Current Fiscal Year	1,208,893	1,681,360
Three Years before Current Fiscal Year	1,546,339	865,841
Four Years before Current Fiscal Year	775,029	717,023
Prior	1,848,076	1,304,033
Revolving	10,140	10,152
Revolving Converted to Term During the Period	0	0
Total	9,162,188	8,987,628
Investor loans secured by real estate | CRE non-owner-occupied
Financing Receivable, Credit Quality Indicator [Line Items]
Total	2,774,650	2,771,137
Investor loans secured by real estate | CRE non-owner-occupied | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	176,426	708,560
Fiscal Year before Current Fiscal Year	670,633	269,944
Two Years before Current Fiscal Year	257,088	393,097
Three Years before Current Fiscal Year	403,482	387,923
Four Years before Current Fiscal Year	348,314	218,388
Prior	870,240	730,736
Revolving	9,354	9,353
Revolving Converted to Term During the Period	0	0
Total	2,735,537	2,718,001
Investor loans secured by real estate | CRE non-owner-occupied | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	16,166
Three Years before Current Fiscal Year	0	7,682
Four Years before Current Fiscal Year	7,633	0
Prior	2,245	0
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	9,878	23,848
Investor loans secured by real estate | CRE non-owner-occupied | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	25,777
Three Years before Current Fiscal Year	25,780	0
Four Years before Current Fiscal Year	0	0
Prior	2,955	2,998
Revolving	500	513
Revolving Converted to Term During the Period	0	0
Total	29,235	29,288
Investor loans secured by real estate | Multifamily
Financing Receivable, Credit Quality Indicator [Line Items]
Total	6,041,085	5,891,934
Investor loans secured by real estate | Multifamily | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	465,994	2,260,708
Fiscal Year before Current Fiscal Year	2,279,374	952,127
Two Years before Current Fiscal Year	871,658	1,199,505
Three Years before Current Fiscal Year	1,082,386	444,904
Four Years before Current Fiscal Year	399,926	479,029
Prior	940,701	554,067
Revolving	286	286
Revolving Converted to Term During the Period	0	0
Total	6,040,325	5,890,626
Investor loans secured by real estate | Multifamily | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	543
Four Years before Current Fiscal Year	0	0
Prior	760	765
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	760	1,308
Investor loans secured by real estate | Construction and land
Financing Receivable, Credit Quality Indicator [Line Items]
Total	303,811	277,640
Investor loans secured by real estate | Construction and land | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	46,203	119,532
Fiscal Year before Current Fiscal Year	132,985	97,721
Two Years before Current Fiscal Year	79,651	40,556
Three Years before Current Fiscal Year	28,556	12,415
Four Years before Current Fiscal Year	9,027	3,857
Prior	7,389	3,559
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	303,811	277,640
Investor loans secured by real estate | SBA secured by real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Total	42,642	46,917
Investor loans secured by real estate | SBA secured by real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	1,966	130
Fiscal Year before Current Fiscal Year	130	497
Two Years before Current Fiscal Year	496	6,259
Three Years before Current Fiscal Year	6,135	9,074
Four Years before Current Fiscal Year	6,847	12,070
Prior	18,215	9,198
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	33,789	37,228
Investor loans secured by real estate | SBA secured by real estate | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year		0
Fiscal Year before Current Fiscal Year		0
Two Years before Current Fiscal Year		0
Three Years before Current Fiscal Year		957
Four Years before Current Fiscal Year		0
Prior		544
Revolving		0
Revolving Converted to Term During the Period		0
Total		1,501
Investor loans secured by real estate | SBA secured by real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	2,343
Four Years before Current Fiscal Year	3,282	3,679
Prior	5,571	2,166
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	8,853	8,188
Business loans secured by real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	281,024	1,015,804
Fiscal Year before Current Fiscal Year	994,405	312,168
Two Years before Current Fiscal Year	306,308	352,224
Three Years before Current Fiscal Year	342,773	218,944
Four Years before Current Fiscal Year	192,883	259,808
Prior	722,605	533,240
Revolving	4,719	8,099
Revolving Converted to Term During the Period	0	292
Total	2,844,717	2,700,579
Business loans secured by real estate | CRE non-owner-occupied | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year		1,015,804
Fiscal Year before Current Fiscal Year		312,168
Two Years before Current Fiscal Year		352,224
Three Years before Current Fiscal Year		218,944
Four Years before Current Fiscal Year		259,808
Prior		533,240
Revolving		8,099
Revolving Converted to Term During the Period		292
Total		2,700,579
Business loans secured by real estate | SBA secured by real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Total	68,466	69,184
Business loans secured by real estate | SBA secured by real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	6,107	6,379
Fiscal Year before Current Fiscal Year	7,452	2,364
Two Years before Current Fiscal Year	2,357	7,331
Three Years before Current Fiscal Year	7,133	9,125
Four Years before Current Fiscal Year	4,760	10,734
Prior	32,189	24,627
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	59,998	60,560
Business loans secured by real estate | SBA secured by real estate | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year		0
Fiscal Year before Current Fiscal Year		0
Two Years before Current Fiscal Year		0
Three Years before Current Fiscal Year		0
Four Years before Current Fiscal Year		0
Prior		62
Revolving		0
Revolving Converted to Term During the Period		0
Total		62
Business loans secured by real estate | SBA secured by real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	2,062
Four Years before Current Fiscal Year	1,888	2,690
Prior	6,580	3,810
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	8,468	8,562
Business loans secured by real estate | CRE owner-occupied
Financing Receivable, Credit Quality Indicator [Line Items]
Total	2,391,984	2,251,014
Business loans secured by real estate | CRE owner-occupied | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	250,202	853,044
Fiscal Year before Current Fiscal Year	830,646	273,469
Two Years before Current Fiscal Year	263,304	287,249
Three Years before Current Fiscal Year	279,071	161,636
Four Years before Current Fiscal Year	143,848	187,130
Prior	597,055	464,271
Revolving	4,719	6,738
Revolving Converted to Term During the Period	0	292
Total	2,368,845	2,233,829
Business loans secured by real estate | CRE owner-occupied | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0
Fiscal Year before Current Fiscal Year	0
Two Years before Current Fiscal Year	0
Three Years before Current Fiscal Year	0
Four Years before Current Fiscal Year	764
Prior	0
Revolving	0
Revolving Converted to Term During the Period	0
Total	764
Business loans secured by real estate | CRE owner-occupied | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	4,673	2,553
Three Years before Current Fiscal Year	2,516	6,074
Four Years before Current Fiscal Year	5,140	2,966
Prior	10,046	5,592
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	22,375	17,185
Business loans secured by real estate | Franchise real estate secured
Financing Receivable, Credit Quality Indicator [Line Items]
Total	384,267	380,381
Business loans secured by real estate | Franchise real estate secured | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	24,715	156,381
Fiscal Year before Current Fiscal Year	156,307	36,335
Two Years before Current Fiscal Year	35,974	55,091
Three Years before Current Fiscal Year	54,053	40,047
Four Years before Current Fiscal Year	36,483	56,288
Prior	76,735	34,878
Revolving	0	1,361
Revolving Converted to Term During the Period	0	0
Total	384,267	380,381
Commercial loans
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	103,115	591,794
Fiscal Year before Current Fiscal Year	579,752	104,142
Two Years before Current Fiscal Year	92,930	289,238
Three Years before Current Fiscal Year	265,527	169,961
Four Years before Current Fiscal Year	153,352	164,717
Prior	245,541	107,053
Revolving	1,198,751	1,075,204
Revolving Converted to Term During the Period	2,747	4,624
Total	2,641,715	2,506,733
Commercial loans | Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Total	2,242,632	2,103,112
Commercial loans | Commercial and industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	77,907	425,683
Fiscal Year before Current Fiscal Year	417,259	79,635
Two Years before Current Fiscal Year	68,739	200,234
Three Years before Current Fiscal Year	185,229	117,471
Four Years before Current Fiscal Year	105,770	123,345
Prior	180,774	70,789
Revolving	1,171,092	1,032,053
Revolving Converted to Term During the Period	2,747	3,371
Total	2,209,517	2,052,581
Commercial loans | Commercial and industrial | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	339	146
Three Years before Current Fiscal Year	0	0
Four Years before Current Fiscal Year	0	0
Prior	142	152
Revolving	530	14,814
Revolving Converted to Term During the Period	0	178
Total	1,011	15,290
Commercial loans | Commercial and industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	963	1,772
Fiscal Year before Current Fiscal Year	2,317	0
Two Years before Current Fiscal Year	0	14
Three Years before Current Fiscal Year	12	2,683
Four Years before Current Fiscal Year	1,365	863
Prior	1,621	1,150
Revolving	25,826	27,684
Revolving Converted to Term During the Period	0	1,075
Total	32,104	35,241
Commercial loans | Franchise non-real estate secured
Financing Receivable, Credit Quality Indicator [Line Items]
Total	388,322	392,576
Commercial loans | Franchise non-real estate secured | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	23,582	163,865
Fiscal Year before Current Fiscal Year	159,709	23,943
Two Years before Current Fiscal Year	23,309	85,206
Three Years before Current Fiscal Year	76,734	45,061
Four Years before Current Fiscal Year	41,700	23,672
Prior	43,597	31,163
Revolving	661	0
Revolving Converted to Term During the Period	0	0
Total	369,292	372,910
Commercial loans | Franchise non-real estate secured | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	1,589
Three Years before Current Fiscal Year	1,550	3,627
Four Years before Current Fiscal Year	3,517	13,346
Prior	13,963	1,104
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	19,030	19,666
Commercial loans | SBA non-real estate secured
Financing Receivable, Credit Quality Indicator [Line Items]
Total	10,761	11,045
Commercial loans | SBA non-real estate secured | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	663	474
Fiscal Year before Current Fiscal Year	467	564
Two Years before Current Fiscal Year	543	1,292
Three Years before Current Fiscal Year	1,861	666
Four Years before Current Fiscal Year	756	2,806
Prior	4,752	2,148
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	9,042	7,950
Commercial loans | SBA non-real estate secured | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	681
Three Years before Current Fiscal Year	66	114
Four Years before Current Fiscal Year	0	0
Prior	0	0
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	66	795
Commercial loans | SBA non-real estate secured | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	76
Three Years before Current Fiscal Year	75	339
Four Years before Current Fiscal Year	244	685
Prior	692	547
Revolving	642	653
Revolving Converted to Term During the Period	0	0
Total	1,653	2,300
Retail loans
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	324
Fiscal Year before Current Fiscal Year	319	239
Two Years before Current Fiscal Year	219	54
Three Years before Current Fiscal Year	41	51
Four Years before Current Fiscal Year	41	2,019
Prior	57,033	70,237
Revolving	27,482	28,033
Revolving Converted to Term During the Period	0	0
Total	85,135	100,957
Retail loans | Single family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Total	79,978	95,292
Retail loans | Single family residential | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	313
Fiscal Year before Current Fiscal Year	309	211
Two Years before Current Fiscal Year	194	0
Three Years before Current Fiscal Year	0	32
Four Years before Current Fiscal Year	31	2,008
Prior	55,677	68,759
Revolving	23,721	23,920
Revolving Converted to Term During the Period	0	0
Total	79,932	95,243
Retail loans | Single family residential | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	0
Four Years before Current Fiscal Year	0	0
Prior	46	49
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	46	49
Retail loans | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Total	5,157	5,665
Retail loans | Consumer | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	11
Fiscal Year before Current Fiscal Year	10	28
Two Years before Current Fiscal Year	25	49
Three Years before Current Fiscal Year	37	19
Four Years before Current Fiscal Year	10	11
Prior	1,310	1,394
Revolving	3,761	4,113
Revolving Converted to Term During the Period	0	0
Total	5,153	5,625
Retail loans | Consumer | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	5
Three Years before Current Fiscal Year	4	0
Four Years before Current Fiscal Year	0	0
Prior	0	35
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	$ 4	$ 40

Loans Held for Investment - Del

Loans Held for Investment - Delinquencies (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Loans held for investment	$ 14,733,755	$ 14,295,897
Current
Financing Receivable, Past Due [Line Items]
Loans held for investment	14,690,104	14,276,402
30-59
Financing Receivable, Past Due [Line Items]
Loans held for investment	25,332	1,395
60-89
Financing Receivable, Past Due [Line Items]
Loans held for investment	74	0
90+
Financing Receivable, Past Due [Line Items]
Loans held for investment	18,245	18,100
Investor loans secured by real estate
Financing Receivable, Past Due [Line Items]
Loans held for investment	9,162,188	8,987,628
Investor loans secured by real estate | CRE non-owner-occupied
Financing Receivable, Past Due [Line Items]
Loans held for investment	2,774,650	2,771,137
Investor loans secured by real estate | Multifamily
Financing Receivable, Past Due [Line Items]
Loans held for investment	6,041,085	5,891,934
Investor loans secured by real estate | Construction and land
Financing Receivable, Past Due [Line Items]
Loans held for investment	303,811	277,640
Investor loans secured by real estate | SBA secured by real estate
Financing Receivable, Past Due [Line Items]
Loans held for investment	42,642	46,917
Investor loans secured by real estate | Current
Financing Receivable, Past Due [Line Items]
Loans held for investment	9,150,170	8,975,806
Investor loans secured by real estate | Current | CRE non-owner-occupied
Financing Receivable, Past Due [Line Items]
Loans held for investment	2,762,632	2,760,882
Investor loans secured by real estate | Current | Multifamily
Financing Receivable, Past Due [Line Items]
Loans held for investment	6,041,085	5,890,704
Investor loans secured by real estate | Current | Construction and land
Financing Receivable, Past Due [Line Items]
Loans held for investment	303,811	277,640
Investor loans secured by real estate | Current | SBA secured by real estate
Financing Receivable, Past Due [Line Items]
Loans held for investment	42,642	46,580
Investor loans secured by real estate | 30-59
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	1,230
Investor loans secured by real estate | 30-59 | CRE non-owner-occupied
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Investor loans secured by real estate | 30-59 | Multifamily
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	1,230
Investor loans secured by real estate | 30-59 | Construction and land
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Investor loans secured by real estate | 30-59 | SBA secured by real estate
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Investor loans secured by real estate | 60-89
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Investor loans secured by real estate | 60-89 | CRE non-owner-occupied
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Investor loans secured by real estate | 60-89 | Multifamily
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Investor loans secured by real estate | 60-89 | Construction and land
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Investor loans secured by real estate | 60-89 | SBA secured by real estate
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Investor loans secured by real estate | 90+
Financing Receivable, Past Due [Line Items]
Loans held for investment	12,018	10,592
Investor loans secured by real estate | 90+ | CRE non-owner-occupied
Financing Receivable, Past Due [Line Items]
Loans held for investment	12,018	10,255
Investor loans secured by real estate | 90+ | Multifamily
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Investor loans secured by real estate | 90+ | Construction and land
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Investor loans secured by real estate | 90+ | SBA secured by real estate
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	337
Business loans secured by real estate
Financing Receivable, Past Due [Line Items]
Loans held for investment	2,844,717	2,700,579
Business loans secured by real estate | SBA secured by real estate
Financing Receivable, Past Due [Line Items]
Loans held for investment	68,466	69,184
Business loans secured by real estate | CRE owner-occupied
Financing Receivable, Past Due [Line Items]
Loans held for investment	2,391,984	2,251,014
Business loans secured by real estate | Franchise real estate secured
Financing Receivable, Past Due [Line Items]
Loans held for investment	384,267	380,381
Business loans secured by real estate | Current
Financing Receivable, Past Due [Line Items]
Loans held for investment	2,839,375	2,695,186
Business loans secured by real estate | Current | SBA secured by real estate
Financing Receivable, Past Due [Line Items]
Loans held for investment	68,025	68,743
Business loans secured by real estate | Current | CRE owner-occupied
Financing Receivable, Past Due [Line Items]
Loans held for investment	2,387,083	2,246,062
Business loans secured by real estate | Current | Franchise real estate secured
Financing Receivable, Past Due [Line Items]
Loans held for investment	384,267	380,381
Business loans secured by real estate | 30-59
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Business loans secured by real estate | 30-59 | SBA secured by real estate
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Business loans secured by real estate | 30-59 | CRE owner-occupied
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Business loans secured by real estate | 30-59 | Franchise real estate secured
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Business loans secured by real estate | 60-89
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Business loans secured by real estate | 60-89 | SBA secured by real estate
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Business loans secured by real estate | 60-89 | CRE owner-occupied
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Business loans secured by real estate | 60-89 | Franchise real estate secured
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Business loans secured by real estate | 90+
Financing Receivable, Past Due [Line Items]
Loans held for investment	5,342	5,393
Business loans secured by real estate | 90+ | SBA secured by real estate
Financing Receivable, Past Due [Line Items]
Loans held for investment	441	441
Business loans secured by real estate | 90+ | CRE owner-occupied
Financing Receivable, Past Due [Line Items]
Loans held for investment	4,901	4,952
Business loans secured by real estate | 90+ | Franchise real estate secured
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Commercial loans
Financing Receivable, Past Due [Line Items]
Loans held for investment	2,641,715	2,506,733
Commercial loans | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Loans held for investment	2,242,632	2,103,112
Commercial loans | Franchise non-real estate secured
Financing Receivable, Past Due [Line Items]
Loans held for investment	388,322	392,576
Commercial loans | SBA non-real estate secured
Financing Receivable, Past Due [Line Items]
Loans held for investment	10,761	11,045
Commercial loans | Current
Financing Receivable, Past Due [Line Items]
Loans held for investment	2,615,424	2,504,453
Commercial loans | Current | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Loans held for investment	2,216,983	2,101,558
Commercial loans | Current | Franchise non-real estate secured
Financing Receivable, Past Due [Line Items]
Loans held for investment	388,322	392,576
Commercial loans | Current | SBA non-real estate secured
Financing Receivable, Past Due [Line Items]
Loans held for investment	10,119	10,319
Commercial loans | 30-59
Financing Receivable, Past Due [Line Items]
Loans held for investment	25,332	165
Commercial loans | 30-59 | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Loans held for investment	25,332	92
Commercial loans | 30-59 | Franchise non-real estate secured
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Commercial loans | 30-59 | SBA non-real estate secured
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	73
Commercial loans | 60-89
Financing Receivable, Past Due [Line Items]
Loans held for investment	74	0
Commercial loans | 60-89 | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Loans held for investment	74	0
Commercial loans | 60-89 | Franchise non-real estate secured
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Commercial loans | 60-89 | SBA non-real estate secured
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Commercial loans | 90+
Financing Receivable, Past Due [Line Items]
Loans held for investment	885	2,115
Commercial loans | 90+ | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Loans held for investment	243	1,462
Commercial loans | 90+ | Franchise non-real estate secured
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Commercial loans | 90+ | SBA non-real estate secured
Financing Receivable, Past Due [Line Items]
Loans held for investment	642	653
Retail loans
Financing Receivable, Past Due [Line Items]
Loans held for investment	85,135	100,957
Retail loans | Single family residential
Financing Receivable, Past Due [Line Items]
Loans held for investment	79,978	95,292
Retail loans | Consumer
Financing Receivable, Past Due [Line Items]
Loans held for investment	5,157	5,665
Retail loans | Current
Financing Receivable, Past Due [Line Items]
Loans held for investment	85,135	100,957
Retail loans | Current | Single family residential
Financing Receivable, Past Due [Line Items]
Loans held for investment	79,978	95,292
Retail loans | Current | Consumer
Financing Receivable, Past Due [Line Items]
Loans held for investment	5,157	5,665
Retail loans | 30-59
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Retail loans | 30-59 | Single family residential
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Retail loans | 30-59 | Consumer
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Retail loans | 60-89
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Retail loans | 60-89 | Single family residential
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Retail loans | 60-89 | Consumer
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Retail loans | 90+
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Retail loans | 90+ | Single family residential
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Retail loans | 90+ | Consumer
Financing Receivable, Past Due [Line Items]
Loans held for investment	$ 0	$ 0

Loans Held for Investment - Non

Loans Held for Investment - Nonaccrual Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Nonaccrual [Line Items]
Collateral Dependent Loans	$ 43,530	$ 18,858
ACL	1,152	1,455
Non-Collateral Dependent Loans	11,779	12,415
ACL	0	0
Total Nonaccrual Loans	55,309	31,273
Nonaccrual Loans with No ACL	47,693	23,657
Investor loans secured by real estate
Financing Receivable, Nonaccrual [Line Items]
Collateral Dependent Loans	10,816	11,192
ACL	1,152	1,455
Non-Collateral Dependent Loans	0	0
ACL	0	0
Total Nonaccrual Loans	10,816	11,192
Nonaccrual Loans with No ACL	3,200	3,577
Investor loans secured by real estate | CRE non-owner-occupied
Financing Receivable, Nonaccrual [Line Items]
Collateral Dependent Loans	10,243	10,255
ACL	1,152	1,455
Non-Collateral Dependent Loans	0	0
ACL	0	0
Total Nonaccrual Loans	10,243	10,255
Nonaccrual Loans with No ACL	2,627	2,640
Investor loans secured by real estate | SBA secured by real estate
Financing Receivable, Nonaccrual [Line Items]
Collateral Dependent Loans	573	937
ACL	0	0
Non-Collateral Dependent Loans	0	0
ACL	0	0
Total Nonaccrual Loans	573	937
Nonaccrual Loans with No ACL	573	937
Business loans secured by real estate
Financing Receivable, Nonaccrual [Line Items]
Collateral Dependent Loans	5,476	5,541
ACL	0	0
Non-Collateral Dependent Loans	0	0
ACL	0	0
Total Nonaccrual Loans	5,476	5,541
Nonaccrual Loans with No ACL	5,476	5,541
Business loans secured by real estate | SBA secured by real estate
Financing Receivable, Nonaccrual [Line Items]
Collateral Dependent Loans	575	589
ACL	0	0
Non-Collateral Dependent Loans	0	0
ACL	0	0
Total Nonaccrual Loans	575	589
Nonaccrual Loans with No ACL	575	589
Business loans secured by real estate | CRE owner-occupied
Financing Receivable, Nonaccrual [Line Items]
Collateral Dependent Loans	4,901	4,952
ACL	0	0
Non-Collateral Dependent Loans	0	0
ACL	0	0
Total Nonaccrual Loans	4,901	4,952
Nonaccrual Loans with No ACL	4,901	4,952
Commercial loans
Financing Receivable, Nonaccrual [Line Items]
Collateral Dependent Loans	27,230	2,115
ACL	0	0
Non-Collateral Dependent Loans	11,779	12,415
ACL	0	0
Total Nonaccrual Loans	39,009	14,530
Nonaccrual Loans with No ACL	39,009	14,529
Commercial loans | Commercial and industrial
Financing Receivable, Nonaccrual [Line Items]
Collateral Dependent Loans	26,588	1,462
ACL	0	0
Non-Collateral Dependent Loans	0	336
ACL	0	0
Total Nonaccrual Loans	26,588	1,798
Nonaccrual Loans with No ACL	26,588	1,797
Commercial loans | Franchise non-real estate secured
Financing Receivable, Nonaccrual [Line Items]
Collateral Dependent Loans	0	0
ACL	0	0
Non-Collateral Dependent Loans	11,779	12,079
ACL	0	0
Total Nonaccrual Loans	11,779	12,079
Nonaccrual Loans with No ACL	11,779	12,079
Commercial loans | SBA non-real estate secured
Financing Receivable, Nonaccrual [Line Items]
Collateral Dependent Loans	642	653
ACL	0	0
Non-Collateral Dependent Loans	0	0
ACL	0	0
Total Nonaccrual Loans	642	653
Nonaccrual Loans with No ACL	642	653
Retail loans
Financing Receivable, Nonaccrual [Line Items]
Collateral Dependent Loans	8	10
ACL	0	0
Non-Collateral Dependent Loans	0	0
ACL	0	0
Total Nonaccrual Loans	8	10
Nonaccrual Loans with No ACL	8	10
Retail loans | Single family residential
Financing Receivable, Nonaccrual [Line Items]
Collateral Dependent Loans	8	10
ACL	0	0
Non-Collateral Dependent Loans	0	0
ACL	0	0
Total Nonaccrual Loans	8	10
Nonaccrual Loans with No ACL	$ 8	$ 10

Loans Held for Investment - Col

Loans Held for Investment - Collateral Dependent Loans by Collateral Type (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	$ 43,530	$ 18,858
Office Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	133	148
Industrial Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	442	441
Retail Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	500	513
Land Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	5,143	5,197
Hotel Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	10,316	10,679
Residential Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	8	10
Business Assets
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	26,988	1,870
Investor loans secured by real estate
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	10,816	11,192
Investor loans secured by real estate | Office Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Investor loans secured by real estate | Industrial Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Investor loans secured by real estate | Retail Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	500	513
Investor loans secured by real estate | Land Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Investor loans secured by real estate | Hotel Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	10,316	10,679
Investor loans secured by real estate | Residential Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Investor loans secured by real estate | Business Assets
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Investor loans secured by real estate | CRE non-owner-occupied
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	10,243	10,255
Investor loans secured by real estate | CRE non-owner-occupied | Office Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Investor loans secured by real estate | CRE non-owner-occupied | Industrial Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Investor loans secured by real estate | CRE non-owner-occupied | Retail Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	500	513
Investor loans secured by real estate | CRE non-owner-occupied | Land Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Investor loans secured by real estate | CRE non-owner-occupied | Hotel Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	9,743	9,742
Investor loans secured by real estate | CRE non-owner-occupied | Residential Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Investor loans secured by real estate | CRE non-owner-occupied | Business Assets
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Investor loans secured by real estate | SBA secured by real estate
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	573	937
Investor loans secured by real estate | SBA secured by real estate | Office Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Investor loans secured by real estate | SBA secured by real estate | Industrial Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Investor loans secured by real estate | SBA secured by real estate | Retail Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Investor loans secured by real estate | SBA secured by real estate | Land Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Investor loans secured by real estate | SBA secured by real estate | Hotel Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	573	937
Investor loans secured by real estate | SBA secured by real estate | Residential Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Investor loans secured by real estate | SBA secured by real estate | Business Assets
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Business loans secured by real estate
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	5,476	5,541
Business loans secured by real estate | Office Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	133	148
Business loans secured by real estate | Industrial Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	442	441
Business loans secured by real estate | Retail Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Business loans secured by real estate | Land Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	4,901	4,952
Business loans secured by real estate | Hotel Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Business loans secured by real estate | Residential Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Business loans secured by real estate | Business Assets
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Business loans secured by real estate | SBA secured by real estate
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	575	589
Business loans secured by real estate | SBA secured by real estate | Office Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	133	148
Business loans secured by real estate | SBA secured by real estate | Industrial Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	442	441
Business loans secured by real estate | SBA secured by real estate | Retail Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Business loans secured by real estate | SBA secured by real estate | Land Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Business loans secured by real estate | SBA secured by real estate | Hotel Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Business loans secured by real estate | SBA secured by real estate | Residential Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Business loans secured by real estate | SBA secured by real estate | Business Assets
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Business loans secured by real estate | CRE owner-occupied
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	4,901	4,952
Business loans secured by real estate | CRE owner-occupied | Office Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Business loans secured by real estate | CRE owner-occupied | Industrial Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Business loans secured by real estate | CRE owner-occupied | Retail Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Business loans secured by real estate | CRE owner-occupied | Land Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	4,901	4,952
Business loans secured by real estate | CRE owner-occupied | Hotel Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Business loans secured by real estate | CRE owner-occupied | Residential Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Business loans secured by real estate | CRE owner-occupied | Business Assets
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	27,230	2,115
Commercial loans | Office Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | Industrial Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | Retail Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | Land Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	242	245
Commercial loans | Hotel Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | Residential Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | Business Assets
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	26,988	1,870
Commercial loans | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	26,588	1,462
Commercial loans | Commercial and industrial | Office Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | Commercial and industrial | Industrial Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | Commercial and industrial | Retail Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | Commercial and industrial | Land Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	242	245
Commercial loans | Commercial and industrial | Hotel Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | Commercial and industrial | Residential Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | Commercial and industrial | Business Assets
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	26,346	1,217
Commercial loans | SBA non-real estate secured
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	642	653
Commercial loans | SBA non-real estate secured | Office Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | SBA non-real estate secured | Industrial Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | SBA non-real estate secured | Retail Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | SBA non-real estate secured | Land Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | SBA non-real estate secured | Hotel Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | SBA non-real estate secured | Residential Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Commercial loans | SBA non-real estate secured | Business Assets
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	642	653
Retail loans
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	8	10
Retail loans | Office Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Retail loans | Industrial Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Retail loans | Retail Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Retail loans | Land Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Retail loans | Hotel Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Retail loans | Residential Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	8	10
Retail loans | Business Assets
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Retail loans | Single family residential
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	8	10
Retail loans | Single family residential | Office Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Retail loans | Single family residential | Industrial Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Retail loans | Single family residential | Retail Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Retail loans | Single family residential | Land Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Retail loans | Single family residential | Hotel Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	0	0
Retail loans | Single family residential | Residential Properties
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	8	10
Retail loans | Single family residential | Business Assets
Financing Receivable, Past Due [Line Items]
Collateral dependent loans	$ 0	$ 0

Allowance for Credit Losses - N

Allowance for Credit Losses - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Provision for Loan and Lease Losses [Abstract]
Increase (decrease) in ACL during period	$ 235	$ 1,000
Net charge-offs	446	1,300
Provision (recapture) for credit losses	211	315
Allowance for off-balance sheet commitments	27,500	32,800	$ 27,300
Provision for credit losses for off-balance sheet commitments	$ 218	$ 1,700

Allowance for Credit Losses - A

Allowance for Credit Losses - Allocation of Allowance for Loan and Lease Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Allocation of allowance as well as the activity in allowance
Beginning ACL Balance	$ 197,752	$ 268,018
Charge-offs	(2,299)	(1,952)
Recoveries	1,853	618
Provision for Credit Losses	211	315
Ending ACL Balance	197,517	266,999
Investor loans secured by real estate | CRE non-owner-occupied
Allocation of allowance as well as the activity in allowance
Beginning ACL Balance	37,380	49,176
Charge-offs	0	(154)
Recoveries	0	0
Provision for Credit Losses	(1,406)	(3,477)
Ending ACL Balance	35,974	45,545
Investor loans secured by real estate | Multifamily
Allocation of allowance as well as the activity in allowance
Beginning ACL Balance	55,209	62,534
Charge-offs	0	0
Recoveries	0	0
Provision for Credit Losses	(884)	17,281
Ending ACL Balance	54,325	79,815
Investor loans secured by real estate | Construction and land
Allocation of allowance as well as the activity in allowance
Beginning ACL Balance	5,211	12,435
Charge-offs	0	0
Recoveries	0	0
Provision for Credit Losses	8	828
Ending ACL Balance	5,219	13,263
Investor loans secured by real estate | SBA secured by real estate
Allocation of allowance as well as the activity in allowance
Beginning ACL Balance	3,201	5,159
Charge-offs	(70)	(265)
Recoveries	0	0
Provision for Credit Losses	(81)	247
Ending ACL Balance	3,050	5,141
Business loans secured by real estate | SBA secured by real estate
Allocation of allowance as well as the activity in allowance
Beginning ACL Balance	4,866	6,567
Charge-offs	0	(98)
Recoveries	0	0
Provision for Credit Losses	329	(18)
Ending ACL Balance	5,195	6,451
Business loans secured by real estate | CRE owner-occupied
Allocation of allowance as well as the activity in allowance
Beginning ACL Balance	29,575	50,517
Charge-offs	0	0
Recoveries	10	15
Provision for Credit Losses	2,306	(8,938)
Ending ACL Balance	31,891	41,594
Business loans secured by real estate | Franchise real estate secured
Allocation of allowance as well as the activity in allowance
Beginning ACL Balance	7,985	11,451
Charge-offs	0	0
Recoveries	0	0
Provision for Credit Losses	(8)	(575)
Ending ACL Balance	7,977	10,876
Commercial loans | Commercial and industrial
Allocation of allowance as well as the activity in allowance
Beginning ACL Balance	38,136	46,964
Charge-offs	(2,179)	(1,279)
Recoveries	1,841	601
Provision for Credit Losses	800	(2,913)
Ending ACL Balance	38,598	43,373
Commercial loans | Franchise non-real estate secured
Allocation of allowance as well as the activity in allowance
Beginning ACL Balance	15,084	20,525
Charge-offs	0	(156)
Recoveries	0	0
Provision for Credit Losses	(780)	(1,466)
Ending ACL Balance	14,304	18,903
Commercial loans | SBA non-real estate secured
Allocation of allowance as well as the activity in allowance
Beginning ACL Balance	565	995
Charge-offs	(50)	0
Recoveries	2	2
Provision for Credit Losses	(27)	(107)
Ending ACL Balance	490	890
Retail loans | Single family residential
Allocation of allowance as well as the activity in allowance
Beginning ACL Balance	255	1,204
Charge-offs	0	0
Recoveries	0	0
Provision for Credit Losses	(22)	(382)
Ending ACL Balance	233	822
Retail loans | Consumer
Allocation of allowance as well as the activity in allowance
Beginning ACL Balance	285	491
Charge-offs	0	0
Recoveries	0	0
Provision for Credit Losses	(24)	(165)
Ending ACL Balance	$ 261	$ 326

Allowance for Credit Losses - C

Allowance for Credit Losses - Commercial Real Estate and Commercial Loan Segments (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	$ 1,074,728	$ 4,696,852
Fiscal Year before Current Fiscal Year	4,657,598	1,736,838
Two Years before Current Fiscal Year	1,608,350	2,322,876
Three Years before Current Fiscal Year	2,154,680	1,254,797
Four Years before Current Fiscal Year	1,121,305	1,143,567
Prior	2,873,255	2,014,563
Revolving	1,241,092	1,121,488
Revolving Converted to Term During the Period	2,747	4,916
Total	14,733,755	14,295,897
Investor loans secured by real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	690,589	3,088,930
Fiscal Year before Current Fiscal Year	3,083,122	1,320,289
Two Years before Current Fiscal Year	1,208,893	1,681,360
Three Years before Current Fiscal Year	1,546,339	865,841
Four Years before Current Fiscal Year	775,029	717,023
Prior	1,848,076	1,304,033
Revolving	10,140	10,152
Revolving Converted to Term During the Period	0	0
Total	9,162,188	8,987,628
Investor loans secured by real estate | CRE non-owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,774,650	2,771,137
Investor loans secured by real estate | CRE non-owner-occupied | 0% - 5.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	176,426	654,823
Fiscal Year before Current Fiscal Year	651,475	233,718
Two Years before Current Fiscal Year	250,051	375,691
Three Years before Current Fiscal Year	369,190	392,892
Four Years before Current Fiscal Year	339,561	193,762
Prior	791,623	682,357
Revolving	9,354	4,022
Revolving Converted to Term During the Period	0	0
Total	2,587,680	2,537,265
Investor loans secured by real estate | CRE non-owner-occupied | >5.00% - 10.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	37,931
Fiscal Year before Current Fiscal Year	8,632	22,965
Two Years before Current Fiscal Year	1,141	9,174
Three Years before Current Fiscal Year	718	2,713
Four Years before Current Fiscal Year	16,386	23,559
Prior	54,229	23,707
Revolving	0	5,331
Revolving Converted to Term During the Period	0	0
Total	81,106	125,380
Investor loans secured by real estate | CRE non-owner-occupied | Greater than 10%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	15,806
Fiscal Year before Current Fiscal Year	10,526	13,261
Two Years before Current Fiscal Year	5,896	50,175
Three Years before Current Fiscal Year	59,354	0
Four Years before Current Fiscal Year	0	1,067
Prior	29,588	27,670
Revolving	500	513
Revolving Converted to Term During the Period	0	0
Total	105,864	108,492
Investor loans secured by real estate | Multifamily
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	6,041,085	5,891,934
Investor loans secured by real estate | Multifamily | 0% - 5.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	461,776	2,242,420
Fiscal Year before Current Fiscal Year	2,251,232	929,964
Two Years before Current Fiscal Year	865,755	1,174,859
Three Years before Current Fiscal Year	1,057,766	442,410
Four Years before Current Fiscal Year	398,127	470,107
Prior	926,880	548,156
Revolving	286	286
Revolving Converted to Term During the Period	0	0
Total	5,961,822	5,808,202
Investor loans secured by real estate | Multifamily | >5.00% - 10.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	4,218	13,226
Fiscal Year before Current Fiscal Year	23,077	7,393
Two Years before Current Fiscal Year	5,903	24,646
Three Years before Current Fiscal Year	24,620	1,807
Four Years before Current Fiscal Year	1,799	8,922
Prior	14,581	6,676
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	74,198	62,670
Investor loans secured by real estate | Multifamily | Greater than 10%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	5,062
Fiscal Year before Current Fiscal Year	5,065	14,770
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	1,230
Four Years before Current Fiscal Year	0	0
Prior	0	0
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	5,065	21,062
Investor loans secured by real estate | Construction and land
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	303,811	277,640
Investor loans secured by real estate | Construction and land | 0% - 5.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	45,018	110,545
Fiscal Year before Current Fiscal Year	106,397	81,029
Two Years before Current Fiscal Year	62,442	23,030
Three Years before Current Fiscal Year	15,840	8,321
Four Years before Current Fiscal Year	5,618	3,857
Prior	7,389	3,559
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	242,704	230,341
Investor loans secured by real estate | Construction and land | >5.00% - 10.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	1,185	5,500
Fiscal Year before Current Fiscal Year	23,088	14,264
Two Years before Current Fiscal Year	13,821	9,931
Three Years before Current Fiscal Year	4,815	4,094
Four Years before Current Fiscal Year	0	0
Prior	0	0
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	42,909	33,789
Investor loans secured by real estate | Construction and land | Greater than 10%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	3,487
Fiscal Year before Current Fiscal Year	3,500	2,428
Two Years before Current Fiscal Year	3,388	7,595
Three Years before Current Fiscal Year	7,901	0
Four Years before Current Fiscal Year	3,409	0
Prior	0	0
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	18,198	13,510
Investor loans secured by real estate | SBA secured by real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	42,642	46,917
Investor loans secured by real estate | SBA secured by real estate | 0% - 5.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	1,966	130
Fiscal Year before Current Fiscal Year	130	497
Two Years before Current Fiscal Year	496	6,259
Three Years before Current Fiscal Year	6,135	12,374
Four Years before Current Fiscal Year	10,129	15,149
Prior	23,213	11,572
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	42,069	45,981
Investor loans secured by real estate | SBA secured by real estate | >5.00% - 10.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	0
Four Years before Current Fiscal Year	0	0
Prior	0	0
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	0	0
Investor loans secured by real estate | SBA secured by real estate | Greater than 10%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	0
Four Years before Current Fiscal Year	0	600
Prior	573	336
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	573	936
Business loans secured by real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	281,024	1,015,804
Fiscal Year before Current Fiscal Year	994,405	312,168
Two Years before Current Fiscal Year	306,308	352,224
Three Years before Current Fiscal Year	342,773	218,944
Four Years before Current Fiscal Year	192,883	259,808
Prior	722,605	533,240
Revolving	4,719	8,099
Revolving Converted to Term During the Period	0	292
Total	2,844,717	2,700,579
Business loans secured by real estate | SBA secured by real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	68,466	69,184
Business loans secured by real estate | SBA secured by real estate | 0% - 5.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	6,107	6,379
Fiscal Year before Current Fiscal Year	7,452	2,364
Two Years before Current Fiscal Year	1,596	6,040
Three Years before Current Fiscal Year	5,785	8,986
Four Years before Current Fiscal Year	3,459	8,718
Prior	22,774	16,947
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	47,173	49,434
Business loans secured by real estate | SBA secured by real estate | >5.00% - 10.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	761	1,291
Three Years before Current Fiscal Year	1,348	139
Four Years before Current Fiscal Year	1,302	2,006
Prior	9,414	7,681
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	12,825	11,117
Business loans secured by real estate | SBA secured by real estate | Greater than 10%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	2,062
Four Years before Current Fiscal Year	1,887	2,700
Prior	6,581	3,871
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	8,468	8,633
Business loans secured by real estate | CRE owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,391,984	2,251,014
Business loans secured by real estate | CRE owner-occupied | 0% - 5.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	250,202	853,044
Fiscal Year before Current Fiscal Year	830,646	273,469
Two Years before Current Fiscal Year	263,304	287,249
Three Years before Current Fiscal Year	279,071	161,635
Four Years before Current Fiscal Year	143,848	187,130
Prior	597,055	456,170
Revolving	4,719	6,738
Revolving Converted to Term During the Period	0	292
Total	2,368,845	2,225,727
Business loans secured by real estate | CRE owner-occupied | >5.00% - 10.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	0
Four Years before Current Fiscal Year	764	0
Prior	0	8,101
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	764	8,101
Business loans secured by real estate | CRE owner-occupied | Greater than 10%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	4,673	2,553
Three Years before Current Fiscal Year	2,516	6,075
Four Years before Current Fiscal Year	5,140	2,966
Prior	10,046	5,592
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	22,375	17,186
Business loans secured by real estate | Franchise real estate secured
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	384,267	380,381
Business loans secured by real estate | Franchise real estate secured | 0% - 5.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	24,715	154,009
Fiscal Year before Current Fiscal Year	152,674	36,335
Two Years before Current Fiscal Year	35,974	55,091
Three Years before Current Fiscal Year	54,053	37,559
Four Years before Current Fiscal Year	35,233	53,519
Prior	73,922	33,635
Revolving	0	1,361
Revolving Converted to Term During the Period	0	0
Total	376,571	371,509
Business loans secured by real estate | Franchise real estate secured | >5.00% - 10.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	843
Fiscal Year before Current Fiscal Year	1,245	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	2,488
Four Years before Current Fiscal Year	1,250	2,769
Prior	2,813	1,243
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	5,308	7,343
Business loans secured by real estate | Franchise real estate secured | Greater than 10%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	1,529
Fiscal Year before Current Fiscal Year	2,388	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	0
Four Years before Current Fiscal Year	0	0
Prior	0	0
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	2,388	1,529
Commercial loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	103,115	591,794
Fiscal Year before Current Fiscal Year	579,752	104,142
Two Years before Current Fiscal Year	92,930	289,238
Three Years before Current Fiscal Year	265,527	169,961
Four Years before Current Fiscal Year	153,352	164,717
Prior	245,541	107,053
Revolving	1,198,751	1,075,204
Revolving Converted to Term During the Period	2,747	4,624
Total	2,641,715	2,506,733
Commercial loans | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,242,632	2,103,112
Commercial loans | Commercial and industrial | 0% - 5.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	75,796	417,780
Fiscal Year before Current Fiscal Year	410,671	77,755
Two Years before Current Fiscal Year	67,470	192,478
Three Years before Current Fiscal Year	178,211	114,593
Four Years before Current Fiscal Year	101,951	120,869
Prior	177,185	67,194
Revolving	854,129	680,662
Revolving Converted to Term During the Period	1,247	3,380
Total	1,866,660	1,674,711
Commercial loans | Commercial and industrial | >5.00% - 10.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	2,111	8,349
Fiscal Year before Current Fiscal Year	6,964	1,880
Two Years before Current Fiscal Year	1,608	7,757
Three Years before Current Fiscal Year	7,018	2,878
Four Years before Current Fiscal Year	3,819	2,476
Prior	3,589	3,595
Revolving	317,797	375,829
Revolving Converted to Term During the Period	0	341
Total	342,906	403,105
Commercial loans | Commercial and industrial | Greater than 10%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	963	1,326
Fiscal Year before Current Fiscal Year	1,941	0
Two Years before Current Fiscal Year	0	159
Three Years before Current Fiscal Year	12	2,683
Four Years before Current Fiscal Year	1,365	863
Prior	1,763	1,302
Revolving	25,522	18,060
Revolving Converted to Term During the Period	1,500	903
Total	33,066	25,296
Commercial loans | Franchise non-real estate secured
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	388,322	392,576
Commercial loans | Franchise non-real estate secured | 0% - 5.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	23,120	155,064
Fiscal Year before Current Fiscal Year	158,940	18,370
Two Years before Current Fiscal Year	15,289	64,503
Three Years before Current Fiscal Year	62,490	39,389
Four Years before Current Fiscal Year	36,456	21,483
Prior	35,717	21,524
Revolving	555	0
Revolving Converted to Term During the Period	0	0
Total	332,567	320,333
Commercial loans | Franchise non-real estate secured | >5.00% - 10.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	462	8,801
Fiscal Year before Current Fiscal Year	769	5,573
Two Years before Current Fiscal Year	8,020	20,703
Three Years before Current Fiscal Year	14,244	5,672
Four Years before Current Fiscal Year	5,244	2,189
Prior	7,306	8,840
Revolving	106	0
Revolving Converted to Term During the Period	0	0
Total	36,151	51,778
Commercial loans | Franchise non-real estate secured | Greater than 10%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	1,589
Three Years before Current Fiscal Year	1,550	3,627
Four Years before Current Fiscal Year	3,517	13,346
Prior	14,537	1,903
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	19,604	20,465
Commercial loans | SBA non-real estate secured
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	10,761	11,045
Commercial loans | SBA non-real estate secured | 0% - 5.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	663	474
Fiscal Year before Current Fiscal Year	467	564
Two Years before Current Fiscal Year	477	1,088
Three Years before Current Fiscal Year	87	370
Four Years before Current Fiscal Year	266	732
Prior	2,451	1,636
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	4,411	4,864
Commercial loans | SBA non-real estate secured | >5.00% - 10.00%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	66	205
Three Years before Current Fiscal Year	1,775	410
Four Years before Current Fiscal Year	490	2,074
Prior	2,301	512
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	4,632	3,201
Commercial loans | SBA non-real estate secured | Greater than 10%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	756
Three Years before Current Fiscal Year	140	339
Four Years before Current Fiscal Year	244	685
Prior	692	547
Revolving	642	653
Revolving Converted to Term During the Period	0	0
Total	1,718	2,980
Commercial loans | Total commercial loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	103,115	591,794
Fiscal Year before Current Fiscal Year	579,752	104,142
Two Years before Current Fiscal Year	92,930	289,238
Three Years before Current Fiscal Year	265,527	169,961
Four Years before Current Fiscal Year	153,352	164,717
Prior	245,541	107,053
Revolving	1,198,751	1,075,204
Revolving Converted to Term During the Period	2,747	4,624
Total	$ 2,641,715	$ 2,506,733

Allowance for Credit Losses -_2

Allowance for Credit Losses - Amortized Cost of Loans by Estimated LTV and FICO Bands (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	$ 1,074,728	$ 4,696,852
Fiscal Year before Current Fiscal Year	4,657,598	1,736,838
Two Years before Current Fiscal Year	1,608,350	2,322,876
Three Years before Current Fiscal Year	2,154,680	1,254,797
Four Years before Current Fiscal Year	1,121,305	1,143,567
Prior	2,873,255	2,014,563
Revolving	1,241,092	1,121,488
Revolving Converted to Term During the Period	2,747	4,916
Total	14,733,755	14,295,897
Investor loans secured by real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	690,589	3,088,930
Fiscal Year before Current Fiscal Year	3,083,122	1,320,289
Two Years before Current Fiscal Year	1,208,893	1,681,360
Three Years before Current Fiscal Year	1,546,339	865,841
Four Years before Current Fiscal Year	775,029	717,023
Prior	1,848,076	1,304,033
Revolving	10,140	10,152
Revolving Converted to Term During the Period	0	0
Total	9,162,188	8,987,628
Investor loans secured by real estate | CRE non-owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,774,650	2,771,137
Investor loans secured by real estate | CRE non-owner-occupied | 55% and below
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	80,360	366,617
Fiscal Year before Current Fiscal Year	370,848	141,752
Two Years before Current Fiscal Year	138,963	184,553
Three Years before Current Fiscal Year	182,092	171,879
Four Years before Current Fiscal Year	166,633	130,679
Prior	592,412	533,990
Revolving	9,854	9,866
Revolving Converted to Term During the Period	0	0
Total	1,541,162	1,539,336
Investor loans secured by real estate | CRE non-owner-occupied | >55-65%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	88,510	277,092
Fiscal Year before Current Fiscal Year	238,821	91,539
Two Years before Current Fiscal Year	90,596	155,908
Three Years before Current Fiscal Year	154,776	86,933
Four Years before Current Fiscal Year	54,175	79,043
Prior	250,482	172,713
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	877,360	863,228
Investor loans secured by real estate | CRE non-owner-occupied | >65-75%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	7,556	64,619
Fiscal Year before Current Fiscal Year	60,735	36,653
Two Years before Current Fiscal Year	27,529	58,350
Three Years before Current Fiscal Year	56,266	131,975
Four Years before Current Fiscal Year	130,804	5,662
Prior	27,166	25,446
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	310,056	322,705
Investor loans secured by real estate | CRE non-owner-occupied | Greater than 75%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	232
Fiscal Year before Current Fiscal Year	229	0
Two Years before Current Fiscal Year	0	36,229
Three Years before Current Fiscal Year	36,128	4,818
Four Years before Current Fiscal Year	4,335	3,004
Prior	5,380	1,585
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	46,072	45,868
Investor loans secured by real estate | Multifamily
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	6,041,085	5,891,934
Investor loans secured by real estate | Multifamily | 55% and below
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	111,585	397,562
Fiscal Year before Current Fiscal Year	409,021	226,129
Two Years before Current Fiscal Year	197,947	285,520
Three Years before Current Fiscal Year	256,819	181,826
Four Years before Current Fiscal Year	169,113	197,276
Prior	449,182	279,880
Revolving	286	286
Revolving Converted to Term During the Period	0	0
Total	1,593,953	1,568,479
Investor loans secured by real estate | Multifamily | >55-65%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	209,094	932,115
Fiscal Year before Current Fiscal Year	944,247	416,712
Two Years before Current Fiscal Year	367,310	510,840
Three Years before Current Fiscal Year	466,705	219,710
Four Years before Current Fiscal Year	194,097	185,773
Prior	348,010	198,802
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	2,529,463	2,463,952
Investor loans secured by real estate | Multifamily | >65-75%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	142,824	906,910
Fiscal Year before Current Fiscal Year	896,113	306,272
Two Years before Current Fiscal Year	303,401	391,686
Three Years before Current Fiscal Year	353,096	41,174
Four Years before Current Fiscal Year	36,716	94,142
Prior	134,308	67,964
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	1,866,458	1,808,148
Investor loans secured by real estate | Multifamily | Greater than 75%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	2,491	24,121
Fiscal Year before Current Fiscal Year	29,993	3,014
Two Years before Current Fiscal Year	3,000	11,459
Three Years before Current Fiscal Year	5,766	2,737
Four Years before Current Fiscal Year	0	1,838
Prior	9,961	8,186
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	51,211	51,355
Investor loans secured by real estate | Construction and land
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	303,811	277,640
Investor loans secured by real estate | Construction and land | 55% and below
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	46,203	116,575
Fiscal Year before Current Fiscal Year	129,135	95,293
Two Years before Current Fiscal Year	79,651	26,501
Three Years before Current Fiscal Year	10,675	4,172
Four Years before Current Fiscal Year	4,155	3,857
Prior	7,389	3,559
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	277,208	249,957
Investor loans secured by real estate | Construction and land | >55-65%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	2,957
Fiscal Year before Current Fiscal Year	3,850	2,428
Two Years before Current Fiscal Year	0	5,095
Three Years before Current Fiscal Year	8,916	6,650
Four Years before Current Fiscal Year	4,872	0
Prior	0	0
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	17,638	17,130
Investor loans secured by real estate | Construction and land | >65-75%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	8,960
Three Years before Current Fiscal Year	8,965	1,593
Four Years before Current Fiscal Year	0	0
Prior	0	0
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	8,965	10,553
Investor loans secured by real estate | Construction and land | Greater than 75%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	0
Four Years before Current Fiscal Year	0	0
Prior	0	0
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	0	0
Investor loans secured by real estate | SBA secured by real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	42,642	46,917
Investor loans secured by real estate | SBA secured by real estate | 55% and below
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	1,966	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	632
Four Years before Current Fiscal Year	1,469	693
Prior	2,908	2,159
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	6,343	3,484
Investor loans secured by real estate | SBA secured by real estate | >55-65%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	2,399
Three Years before Current Fiscal Year	2,392	1,950
Four Years before Current Fiscal Year	1,941	1,903
Prior	4,307	3,595
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	8,640	9,847
Investor loans secured by real estate | SBA secured by real estate | >65-75%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	130
Fiscal Year before Current Fiscal Year	130	0
Two Years before Current Fiscal Year	0	2,767
Three Years before Current Fiscal Year	2,654	3,630
Four Years before Current Fiscal Year	3,113	4,444
Prior	7,158	4,346
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	13,055	15,317
Investor loans secured by real estate | SBA secured by real estate | Greater than 75%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	497
Two Years before Current Fiscal Year	496	1,093
Three Years before Current Fiscal Year	1,089	6,162
Four Years before Current Fiscal Year	3,606	8,709
Prior	9,413	1,808
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	14,604	18,269
Business loans secured by real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	281,024	1,015,804
Fiscal Year before Current Fiscal Year	994,405	312,168
Two Years before Current Fiscal Year	306,308	352,224
Three Years before Current Fiscal Year	342,773	218,944
Four Years before Current Fiscal Year	192,883	259,808
Prior	722,605	533,240
Revolving	4,719	8,099
Revolving Converted to Term During the Period	0	292
Total	2,844,717	2,700,579
Business loans secured by real estate | SBA secured by real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	68,466	69,184
Business loans secured by real estate | SBA secured by real estate | 55% and below
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	1,040	4,333
Fiscal Year before Current Fiscal Year	2,508	590
Two Years before Current Fiscal Year	589	1,821
Three Years before Current Fiscal Year	1,646	1,123
Four Years before Current Fiscal Year	962	4,512
Prior	17,411	14,850
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	24,156	27,229
Business loans secured by real estate | SBA secured by real estate | >55-65%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	452
Fiscal Year before Current Fiscal Year	724	555
Two Years before Current Fiscal Year	555	199
Three Years before Current Fiscal Year	199	954
Four Years before Current Fiscal Year	1,454	1,524
Prior	9,264	8,497
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	12,196	12,181
Business loans secured by real estate | SBA secured by real estate | >65-75%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	1,082
Fiscal Year before Current Fiscal Year	1,178	328
Two Years before Current Fiscal Year	327	3,478
Three Years before Current Fiscal Year	3,465	5,208
Four Years before Current Fiscal Year	647	4,853
Prior	7,823	2,793
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	13,440	17,742
Business loans secured by real estate | SBA secured by real estate | Greater than 75%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	5,067	512
Fiscal Year before Current Fiscal Year	3,042	891
Two Years before Current Fiscal Year	886	1,833
Three Years before Current Fiscal Year	1,823	3,902
Four Years before Current Fiscal Year	3,585	2,535
Prior	4,271	2,359
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	18,674	12,032
Business loans secured by real estate | CRE owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,391,984	2,251,014
Business loans secured by real estate | CRE owner-occupied | 55% and below
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	121,356	400,857
Fiscal Year before Current Fiscal Year	401,001	95,504
Two Years before Current Fiscal Year	109,427	107,766
Three Years before Current Fiscal Year	104,982	87,779
Four Years before Current Fiscal Year	79,468	134,184
Prior	450,860	347,926
Revolving	4,719	6,738
Revolving Converted to Term During the Period	0	292
Total	1,271,813	1,181,046
Business loans secured by real estate | CRE owner-occupied | >55-65%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	59,295	214,798
Fiscal Year before Current Fiscal Year	202,766	67,639
Two Years before Current Fiscal Year	52,624	60,192
Three Years before Current Fiscal Year	63,290	32,283
Four Years before Current Fiscal Year	29,886	35,513
Prior	107,522	80,347
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	515,383	490,772
Business loans secured by real estate | CRE owner-occupied | >65-75%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	60,334	188,022
Fiscal Year before Current Fiscal Year	190,253	78,589
Two Years before Current Fiscal Year	105,172	112,217
Three Years before Current Fiscal Year	103,746	41,874
Four Years before Current Fiscal Year	35,344	12,241
Prior	32,545	25,460
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	527,394	458,403
Business loans secured by real estate | CRE owner-occupied | Greater than 75%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	9,217	49,367
Fiscal Year before Current Fiscal Year	36,626	31,737
Two Years before Current Fiscal Year	754	9,627
Three Years before Current Fiscal Year	9,569	5,774
Four Years before Current Fiscal Year	5,054	8,158
Prior	16,174	16,130
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	77,394	120,793
Business loans secured by real estate | Franchise real estate secured
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	384,267	380,381
Business loans secured by real estate | Franchise real estate secured | 55% and below
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	17,475	32,189
Fiscal Year before Current Fiscal Year	39,481	16,889
Two Years before Current Fiscal Year	16,725	8,954
Three Years before Current Fiscal Year	14,418	12,469
Four Years before Current Fiscal Year	12,385	9,163
Prior	23,380	14,552
Revolving	0	1,361
Revolving Converted to Term During the Period	0	0
Total	123,864	95,577
Business loans secured by real estate | Franchise real estate secured | >55-65%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	47,521
Fiscal Year before Current Fiscal Year	45,789	3,603
Two Years before Current Fiscal Year	11,986	10,270
Three Years before Current Fiscal Year	3,995	7,442
Four Years before Current Fiscal Year	7,313	4,749
Prior	12,726	9,349
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	81,809	82,934
Business loans secured by real estate | Franchise real estate secured | >65-75%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	1,792	39,409
Fiscal Year before Current Fiscal Year	33,932	13,991
Two Years before Current Fiscal Year	5,426	32,743
Three Years before Current Fiscal Year	32,540	11,289
Four Years before Current Fiscal Year	9,235	29,641
Prior	35,728	9,768
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	118,653	136,841
Business loans secured by real estate | Franchise real estate secured | Greater than 75%
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	5,448	37,262
Fiscal Year before Current Fiscal Year	37,105	1,852
Two Years before Current Fiscal Year	1,837	3,124
Three Years before Current Fiscal Year	3,100	8,847
Four Years before Current Fiscal Year	7,550	12,735
Prior	4,901	1,209
Revolving	0	0
Revolving Converted to Term During the Period	0	0
Total	59,941	65,029
Retail loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	324
Fiscal Year before Current Fiscal Year	319	239
Two Years before Current Fiscal Year	219	54
Three Years before Current Fiscal Year	41	51
Four Years before Current Fiscal Year	41	2,019
Prior	57,033	70,237
Revolving	27,482	28,033
Revolving Converted to Term During the Period	0	0
Total	85,135	100,957
Retail loans | Single family residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	79,978	95,292
Retail loans | Single family residential | Greater than 740
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	313
Fiscal Year before Current Fiscal Year	309	211
Two Years before Current Fiscal Year	194	0
Three Years before Current Fiscal Year	0	0
Four Years before Current Fiscal Year	0	1,446
Prior	30,820	40,605
Revolving	18,657	17,553
Revolving Converted to Term During the Period	0	0
Total	49,980	60,128
Retail loans | Single family residential | >680 - 740
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	32
Four Years before Current Fiscal Year	31	103
Prior	5,410	7,602
Revolving	4,278	5,579
Revolving Converted to Term During the Period	0	0
Total	9,719	13,316
Retail loans | Single family residential | >580 - 680
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	0
Four Years before Current Fiscal Year	0	450
Prior	6,651	6,989
Revolving	755	756
Revolving Converted to Term During the Period	0	0
Total	7,406	8,195
Retail loans | Single family residential | Less than 580
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	0
Four Years before Current Fiscal Year	0	9
Prior	12,842	13,612
Revolving	31	32
Revolving Converted to Term During the Period	0	0
Total	12,873	13,653
Retail loans | Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	5,157	5,665
Retail loans | Consumer | Greater than 740
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	7
Fiscal Year before Current Fiscal Year	7	28
Two Years before Current Fiscal Year	25	32
Three Years before Current Fiscal Year	26	19
Four Years before Current Fiscal Year	10	9
Prior	929	944
Revolving	1,847	2,196
Revolving Converted to Term During the Period	0	0
Total	2,844	3,235
Retail loans | Consumer | >680 - 740
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	4
Fiscal Year before Current Fiscal Year	3	0
Two Years before Current Fiscal Year	0	17
Three Years before Current Fiscal Year	11	0
Four Years before Current Fiscal Year	0	2
Prior	330	431
Revolving	1,852	1,859
Revolving Converted to Term During the Period	0	0
Total	2,196	2,313
Retail loans | Consumer | >580 - 680
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	5
Three Years before Current Fiscal Year	4	0
Four Years before Current Fiscal Year	0	0
Prior	51	54
Revolving	46	42
Revolving Converted to Term During the Period	0	0
Total	101	101
Retail loans | Consumer | Less than 580
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0	0
Fiscal Year before Current Fiscal Year	0	0
Two Years before Current Fiscal Year	0	0
Three Years before Current Fiscal Year	0	0
Four Years before Current Fiscal Year	0	0
Prior	0	0
Revolving	16	16
Revolving Converted to Term During the Period	0	0
Total	$ 16	$ 16

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Sep. 30, 2021	Dec. 31, 2020
Goodwill [Line Items]
Goodwill	$ 901,312	$ 901,312	$ 900,204	$ 901,312	$ 898,569
Purchase accounting adjustments to goodwill	0	0	1,635
Net intangible assets	$ 65,978	69,571	81,364
Estimated amortization expense for remainder of fiscal year		14,000
Estimated amortization expense for 2023		12,300
Estimated amortization expense for 2024		11,100
Estimated amortization expense for 2025		10,000
Estimated amortization expense for 2026		8,900
Minimum
Goodwill [Line Items]
Weighted average useful life (in years)	6 years
Maximum
Goodwill [Line Items]
Weighted average useful life (in years)	11 years
Core Deposits
Goodwill [Line Items]
Net intangible assets	$ 63,400	66,900
Core Deposits | Minimum
Goodwill [Line Items]
Weighted average useful life (in years)	6 years
Core Deposits | Maximum
Goodwill [Line Items]
Weighted average useful life (in years)	11 years
Customer Relationships
Goodwill [Line Items]
Net intangible assets	$ 2,600	$ 2,700
Opus Bank
Goodwill [Line Items]
Purchase accounting adjustments to goodwill			$ 1,600

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Goodwill Roll Forward (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Goodwill [Roll Forward]
Beginning balance	$ 901,312	$ 901,312	$ 898,569
Purchase accounting adjustments	0	0	1,635
Ending balance	901,312	901,312	900,204
Accumulated impairment losses at end of period	$ 0	$ 0	$ 0

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets - Finite-Lived Intangible Assets Roll Forward (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Gross amount of intangible assets:
Beginning balance	$ 145,212	$ 145,212	$ 145,212
Additions due to acquisitions	0	0	0
Ending balance	145,212	145,212	145,212
Accumulated amortization:
Beginning balance	(75,641)	(71,761)	(59,705)
Amortization	(3,593)	(3,880)	(4,143)
Ending balance	(79,234)	(75,641)	(63,848)
Net intangible assets	$ 65,978	$ 69,571	$ 81,364

Subordinated Debentures - Narra

Subordinated Debentures - Narrative (Details) $ in Thousands	Mar. 31, 2022USD ($)note	Dec. 31, 2021USD ($)
Debt Instrument [Line Items]
Subordinated debentures	$ 330,726	$ 330,567
Subordinated notes
Debt Instrument [Line Items]
Number of notes/securities | note	3
Subordinated debentures	$ 330,726	$ 330,567
Weighted interest rate (as a percent)	5.32%	5.33%

Subordinated Debentures - Summa

Subordinated Debentures - Summary (Details) - USD ($)	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Carrying Value	$ 330,726,000	$ 330,567,000
Subordinated notes
Debt Instrument [Line Items]
Face amount of debt instrument	335,000,000
Carrying Value	$ 330,726,000	330,567,000
Subordinated notes | Subordinated notes due 2024, 5.75% per annum
Debt Instrument [Line Items]
Fixed interest rate (as a percent)	5.75%
Current Interest Rate (as a percent)	5.75%
Face amount of debt instrument	$ 60,000,000
Carrying Value	$ 59,701,000	59,671,000
Subordinated notes | Subordinated notes due 2029, 4.875% per annum until May 15, 2024, 3-month LIBOR +2.5% thereafter
Debt Instrument [Line Items]
Fixed interest rate (as a percent)	4.875%
Current Interest Rate (as a percent)	4.875%
Face amount of debt instrument	$ 125,000,000
Carrying Value	$ 123,195,000	123,132,000
Subordinated notes | Subordinated notes due 2029, 4.875% per annum until May 15, 2024, 3-month LIBOR +2.5% thereafter | LIBOR
Debt Instrument [Line Items]
Variable rate (as a percent)	2.50%
Subordinated notes | Subordinated notes due 2030, 5.375% per annum until June 15, 2025, 3-month SOFR +5.170% thereafter
Debt Instrument [Line Items]
Fixed interest rate (as a percent)	5.375%
Current Interest Rate (as a percent)	5.375%
Face amount of debt instrument	$ 150,000,000
Carrying Value	$ 147,830,000	$ 147,764,000
Subordinated notes | Subordinated notes due 2030, 5.375% per annum until June 15, 2025, 3-month SOFR +5.170% thereafter | SOFR
Debt Instrument [Line Items]
Variable rate (as a percent)	5.17%

Earnings per Share (Details)

Earnings per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Basic
Net income	$ 66,904	$ 84,831	$ 68,668
Less: dividends and undistributed earnings allocated to participating securities	(685)	(876)	(665)
Net income allocated to common stockholders	$ 66,219	$ 83,955	$ 68,003
Weighted average common shares outstanding (in shares)	93,499,695	93,415,304	93,529,147
Basic earnings per common share (in dollars per share)	$ 0.71	$ 0.90	$ 0.73
Diluted
Net income allocated to common stockholders	$ 66,219	$ 83,955	$ 68,003
Weighted average common shares outstanding (in shares)	93,499,695	93,415,304	93,529,147
Diluted effect of share-based compensation (in shares)	446,379	491,187	564,497
Weighted average diluted common shares (in shares)	93,946,074	93,906,491	94,093,644
Diluted earnings per common share (in dollars per share)	$ 0.70	$ 0.89	$ 0.72
Weighted-average shares of anti-dilutive RSUs excluded from diluted EPS computation	0	0	0

Fair Value of Financial Instr_3

Fair Value of Financial Instruments - Hierarchy Table on Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financial assets
Investment securities available-for-sale, at fair value	$ 3,222,095	$ 4,273,864
Derivative assets	44,880	11,989
Financial liabilities
Interest rate swaps	4,241	5,263
U.S. Treasury
Financial assets
Investment securities available-for-sale, at fair value	13,990	57,866
Agency
Financial assets
Investment securities available-for-sale, at fair value	375,777	432,135
Corporate debt
Financial assets
Investment securities available-for-sale, at fair value	595,065	453,861
Municipal bonds
Financial assets
Investment securities available-for-sale, at fair value	415,284	1,089,913
Collateralized mortgage obligations
Financial assets
Investment securities available-for-sale, at fair value	855,256	676,643
Mortgage-backed securities
Financial assets
Investment securities available-for-sale, at fair value	966,723	1,563,446
Level 1
Financial assets
Investment securities available-for-sale, at fair value	0	0
Derivative assets	0	0
Financial liabilities
Interest rate swaps	0	0
Level 2
Financial assets
Investment securities available-for-sale, at fair value	3,222,095	4,273,864
Derivative assets	42,972	10,100
Financial liabilities
Interest rate swaps	4,241	5,263
Level 3
Financial assets
Investment securities available-for-sale, at fair value	0	0
Derivative assets	1,908	1,889
Financial liabilities
Interest rate swaps	0	0
Recurring
Financial assets
Investment securities available-for-sale, at fair value	3,222,095	4,273,864
Derivative assets	44,880	11,989
Recurring | Interest rate swaps contracts
Financial assets
Derivative assets	42,972	10,100
Financial liabilities
Interest rate swaps	4,241	5,263
Recurring | Equity warrants
Financial assets
Derivative assets	1,908	1,889
Recurring | U.S. Treasury
Financial assets
Investment securities available-for-sale, at fair value	13,990	57,866
Recurring | Agency
Financial assets
Investment securities available-for-sale, at fair value	375,777	432,135
Recurring | Corporate debt
Financial assets
Investment securities available-for-sale, at fair value	595,065	453,861
Recurring | Municipal bonds
Financial assets
Investment securities available-for-sale, at fair value	415,284	1,089,913
Recurring | Collateralized mortgage obligations
Financial assets
Investment securities available-for-sale, at fair value	855,256	676,643
Recurring | Mortgage-backed securities
Financial assets
Investment securities available-for-sale, at fair value	966,723	1,563,446
Recurring | Level 1
Financial assets
Investment securities available-for-sale, at fair value	0	0
Derivative assets	0	0
Recurring | Level 1 | Interest rate swaps contracts
Financial assets
Derivative assets	0	0
Financial liabilities
Interest rate swaps	0	0
Recurring | Level 1 | Equity warrants
Financial assets
Derivative assets	0	0
Recurring | Level 1 | U.S. Treasury
Financial assets
Investment securities available-for-sale, at fair value	0	0
Recurring | Level 1 | Agency
Financial assets
Investment securities available-for-sale, at fair value	0	0
Recurring | Level 1 | Corporate debt
Financial assets
Investment securities available-for-sale, at fair value	0	0
Recurring | Level 1 | Municipal bonds
Financial assets
Investment securities available-for-sale, at fair value	0	0
Recurring | Level 1 | Collateralized mortgage obligations
Financial assets
Investment securities available-for-sale, at fair value	0	0
Recurring | Level 1 | Mortgage-backed securities
Financial assets
Investment securities available-for-sale, at fair value	0	0
Recurring | Level 2
Financial assets
Investment securities available-for-sale, at fair value	3,222,095	4,273,864
Derivative assets	42,972	10,100
Recurring | Level 2 | Interest rate swaps contracts
Financial assets
Derivative assets	42,972	10,100
Financial liabilities
Interest rate swaps	4,241	5,263
Recurring | Level 2 | Equity warrants
Financial assets
Derivative assets	0	0
Recurring | Level 2 | U.S. Treasury
Financial assets
Investment securities available-for-sale, at fair value	13,990	57,866
Recurring | Level 2 | Agency
Financial assets
Investment securities available-for-sale, at fair value	375,777	432,135
Recurring | Level 2 | Corporate debt
Financial assets
Investment securities available-for-sale, at fair value	595,065	453,861
Recurring | Level 2 | Municipal bonds
Financial assets
Investment securities available-for-sale, at fair value	415,284	1,089,913
Recurring | Level 2 | Collateralized mortgage obligations
Financial assets
Investment securities available-for-sale, at fair value	855,256	676,643
Recurring | Level 2 | Mortgage-backed securities
Financial assets
Investment securities available-for-sale, at fair value	966,723	1,563,446
Recurring | Level 3
Financial assets
Investment securities available-for-sale, at fair value	0	0
Derivative assets	1,908	1,889
Recurring | Level 3 | Interest rate swaps contracts
Financial assets
Derivative assets	0	0
Financial liabilities
Interest rate swaps	0	0
Recurring | Level 3 | Equity warrants
Financial assets
Derivative assets	1,908	1,889
Recurring | Level 3 | U.S. Treasury
Financial assets
Investment securities available-for-sale, at fair value	0	0
Recurring | Level 3 | Agency
Financial assets
Investment securities available-for-sale, at fair value	0	0
Recurring | Level 3 | Corporate debt
Financial assets
Investment securities available-for-sale, at fair value	0	0
Recurring | Level 3 | Municipal bonds
Financial assets
Investment securities available-for-sale, at fair value	0	0
Recurring | Level 3 | Collateralized mortgage obligations
Financial assets
Investment securities available-for-sale, at fair value	0	0
Recurring | Level 3 | Mortgage-backed securities
Financial assets
Investment securities available-for-sale, at fair value	$ 0	$ 0

Fair Value of Financial Instr_4

Fair Value of Financial Instruments - Reconciliation of Fair Value of Equity Warrants (Details) - Equity warrants - Level 3 - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 1,889	$ 1,895	$ 1,914
Change in fair value	19	(6)	(3)
Ending balance	$ 1,908	$ 1,889	$ 1,911

Fair Value of Financial Instr_5

Fair Value of Financial Instruments - Quantitative Information for Level 3 Fair Value Measurements (Details) $ in Thousands	Mar. 31, 2022USD ($)	Dec. 31, 2021USD ($)
Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable, fair value	$ 14,623,169	$ 14,392,684
Recurring | Level 3 | Black-Scholes option pricing model
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Equity warrants	$ 1,908	$ 1,889
Recurring | Level 3 | Black-Scholes option pricing model | Volatility | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Equity warrants, input	0.3000	0.3000
Recurring | Level 3 | Black-Scholes option pricing model | Volatility | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Equity warrants, input	0.3500	0.3500
Recurring | Level 3 | Black-Scholes option pricing model | Volatility | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Equity warrants, input	0.3116	0.3114
Recurring | Level 3 | Black-Scholes option pricing model | Risk free interest rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Equity warrants, input	0.0163	0.0039
Recurring | Level 3 | Black-Scholes option pricing model | Risk free interest rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Equity warrants, input	0.0245	0.0097
Recurring | Level 3 | Black-Scholes option pricing model | Risk free interest rate | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Equity warrants, input	0.0182	0.0052
Recurring | Level 3 | Black-Scholes option pricing model | Marketability Discount | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Equity warrants, input	0.0550	0.0600
Recurring | Level 3 | Black-Scholes option pricing model | Marketability Discount | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Equity warrants, input	0.1600	0.1600
Recurring | Level 3 | Black-Scholes option pricing model | Marketability Discount | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Equity warrants, input	0.1356	0.1361
Nonrecurring
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable, fair value	$ 33,869	$ 937
Nonrecurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable, fair value	33,869	937
Nonrecurring | Level 3 | Fair value of collateral | Investor loans secured by real estate | CRE non-owner-occupied
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable, fair value	$ 8,590
Nonrecurring | Level 3 | Fair value of collateral | Investor loans secured by real estate | CRE non-owner-occupied | Collateral discount and cost to sell | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable, input	0.0700
Nonrecurring | Level 3 | Fair value of collateral | Investor loans secured by real estate | CRE non-owner-occupied | Collateral discount and cost to sell | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable, input	0.0700
Nonrecurring | Level 3 | Fair value of collateral | Investor loans secured by real estate | CRE non-owner-occupied | Collateral discount and cost to sell | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable, input	0.0700
Nonrecurring | Level 3 | Fair value of collateral | Investor loans secured by real estate | SBA secured by real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable, fair value		$ 937
Nonrecurring | Level 3 | Fair value of collateral | Investor loans secured by real estate | SBA secured by real estate | Collateral discount and cost to sell | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable, input		0.1000
Nonrecurring | Level 3 | Fair value of collateral | Investor loans secured by real estate | SBA secured by real estate | Collateral discount and cost to sell | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable, input		0.1000
Nonrecurring | Level 3 | Fair value of collateral | Investor loans secured by real estate | SBA secured by real estate | Collateral discount and cost to sell | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable, input		0.1000
Nonrecurring | Level 3 | Fair value of collateral | Commercial loans | Commercial and industrial
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable, fair value	$ 25,279
Nonrecurring | Level 3 | Fair value of collateral | Commercial loans | Commercial and industrial | Collateral discount and cost to sell | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable, input	0
Nonrecurring | Level 3 | Fair value of collateral | Commercial loans | Commercial and industrial | Collateral discount and cost to sell | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable, input	0.0740
Nonrecurring | Level 3 | Fair value of collateral | Commercial loans | Commercial and industrial | Collateral discount and cost to sell | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable, input	0.0635

Fair Value of Financial Instr_6

Fair Value of Financial Instruments - Narrative (Details) - Discount Rate	Mar. 31, 2022
Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other real estate owned, input	0.07
Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other real estate owned, input	0.10

Fair Value of Financial Instr_7

Fair Value of Financial Instruments - Hierarchy Table on Nonrecurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Level 1
Fair Value Disclosures
Collateral dependent loans/Impaired loans	$ 0	$ 0
Level 2
Fair Value Disclosures
Collateral dependent loans/Impaired loans	0	0
Level 3
Fair Value Disclosures
Collateral dependent loans/Impaired loans	14,623,169	14,392,684
Nonrecurring
Fair Value Disclosures
Collateral dependent loans/Impaired loans	33,869	937
Nonrecurring | Level 1
Fair Value Disclosures
Collateral dependent loans/Impaired loans	0	0
Nonrecurring | Level 2
Fair Value Disclosures
Collateral dependent loans/Impaired loans	0	0
Nonrecurring | Level 3
Fair Value Disclosures
Collateral dependent loans/Impaired loans	$ 33,869	$ 937

Fair Value of Financial Instr_8

Fair Value of Financial Instruments - Fair Value Estimates (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets
Investment securities held-to-maturity	$ 886,050	$ 384,423
Investment securities available-for-sale	3,222,095	4,273,864
Derivative assets	44,880	11,989
Accrued interest receivable	60,922	65,728
Liabilities
Derivative liabilities	4,241	5,263
Level 1
Assets
Cash and cash equivalents	809,259	304,703
Investment securities held-to-maturity	0	0
Investment securities available-for-sale	0	0
Loans held for sale	0	0
Loans held for investment, net	0	0
Derivative assets	0	0
Accrued interest receivable	0	65,728
Liabilities
Deposit accounts	0	16,057,316
FHLB advances	0	0
Other borrowings		0
Subordinated debentures	0	0
Derivative liabilities	0	0
Accrued interest payable	0	2,366
Level 1 | Interest-bearing time deposits with financial institutions
Assets
Cash and cash equivalents	2,216	2,216
Level 2
Assets
Cash and cash equivalents	0	0
Investment securities held-to-maturity	886,050	384,423
Investment securities available-for-sale	3,222,095	4,273,864
Loans held for sale	12,622	11,959
Loans held for investment, net	0	0
Derivative assets	42,972	10,100
Accrued interest receivable	60,922	0
Liabilities
Deposit accounts	17,685,458	1,058,822
FHLB advances	598,334	550,093
Other borrowings		8,000
Subordinated debentures	338,603	350,359
Derivative liabilities	4,241	5,263
Accrued interest payable	5,115	0
Level 2 | Interest-bearing time deposits with financial institutions
Assets
Cash and cash equivalents	0	0
Level 3
Assets
Cash and cash equivalents	0	0
Investment securities held-to-maturity	0	0
Investment securities available-for-sale	0	0
Loans held for sale	0	0
Loans held for investment, net	14,623,169	14,392,684
Derivative assets	1,908	1,889
Accrued interest receivable	0	0
Liabilities
Deposit accounts	0	0
FHLB advances	0	0
Other borrowings		0
Subordinated debentures	0	0
Derivative liabilities	0	0
Accrued interest payable	0	0
Level 3 | Interest-bearing time deposits with financial institutions
Assets
Cash and cash equivalents	0	0
Carrying Amount
Assets
Cash and cash equivalents	809,259	304,703
Investment securities held-to-maturity	996,382	381,674
Investment securities available-for-sale	3,222,095	4,273,864
Loans held for sale	11,646	10,869
Loans held for investment, net	14,733,755	14,295,897
Derivative assets	44,880	11,989
Accrued interest receivable	60,922	65,728
Liabilities
Deposit accounts	17,689,223	17,115,589
FHLB advances	600,000	550,000
Other borrowings		8,000
Subordinated debentures	330,726	330,567
Derivative liabilities	4,241	5,263
Accrued interest payable	5,115	2,366
Carrying Amount | Interest-bearing time deposits with financial institutions
Assets
Cash and cash equivalents	2,216	2,216
Estimated Fair Value
Assets
Cash and cash equivalents	809,259	304,703
Investment securities held-to-maturity	886,050	384,423
Investment securities available-for-sale	3,222,095	4,273,864
Loans held for sale	12,622	11,959
Loans held for investment, net	14,623,169	14,392,684
Derivative assets	44,880	11,989
Accrued interest receivable	60,922	65,728
Liabilities
Deposit accounts	17,685,458	17,116,138
FHLB advances	598,334	550,093
Other borrowings		8,000
Subordinated debentures	338,603	350,359
Derivative liabilities	4,241	5,263
Accrued interest payable	5,115	2,366
Estimated Fair Value | Interest-bearing time deposits with financial institutions
Assets
Cash and cash equivalents	$ 2,216	$ 2,216

Derivative Instruments - Narrat

Derivative Instruments - Narrative (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Derivative [Line Items]
Derivative assets, notional	$ 1,330,444	$ 1,232,056
Derivative assets	44,880	11,989
Designated as Hedging Instrument
Derivative [Line Items]
Derivative assets, notional	1,200,000	1,100,000
Derivative assets	38,734	4,874
Designated as Hedging Instrument | Interest rate swaps contracts
Derivative [Line Items]
Derivative assets, notional	1,200,000	1,200,000
Not Designated as Hedging Instruments
Derivative [Line Items]
Derivative assets, notional	130,444	132,056
Derivative assets	6,146	7,115
Not Designated as Hedging Instruments | Interest rate swaps contracts
Derivative [Line Items]
Derivative assets, notional	130,444	132,056
Derivative assets	4,238	5,226
Not Designated as Hedging Instruments | Equity warrants
Derivative [Line Items]
Derivative assets, notional	0	0
Derivative assets	$ 1,908	$ 1,889

Derivative Instruments - Cumula

Derivative Instruments - Cumulative Basis Adjustment for Fair Value Hedges (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Carrying Amount of the Hedged Assets	$ 1,160,779	$ 1,194,702
Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets	(39,221)	(5,298)
Derivative assets, notional	1,330,444	1,232,056
Designated as Hedging Instrument
Derivative Instruments, Gain (Loss) [Line Items]
Derivative assets, notional	1,200,000	1,100,000
Designated as Hedging Instrument | Interest rate swaps contracts
Derivative Instruments, Gain (Loss) [Line Items]
Derivative assets, notional	1,200,000	1,200,000
Loans held for investment
Derivative Instruments, Gain (Loss) [Line Items]
Carrying Amount of the Hedged Assets	1,160,779	1,194,702
Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets	(39,221)	(5,298)
Loans held for investment | Designated as Hedging Instrument
Derivative Instruments, Gain (Loss) [Line Items]
Amortized Cost used in hedging relationships	3,470,000	3,610,000
Cumulative basis adjustments associated with hedging relationships	$ (39,200)	$ (5,300)

Derivative Instruments - Summar

Derivative Instruments - Summary (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Derivative [Line Items]
Derivative assets, notional	$ 1,330,444	$ 1,232,056
Derivative assets	44,880	11,989
Derivative liabilities, notional	130,444	232,056
Derivative liabilities	4,241	5,263
Designated as Hedging Instrument
Derivative [Line Items]
Derivative assets, notional	1,200,000	1,100,000
Derivative assets	38,734	4,874
Derivative liabilities, notional	0	100,000
Derivative liabilities	0	33
Designated as Hedging Instrument | Fair value hedge - interest rate swap contracts
Derivative [Line Items]
Derivative assets, notional	1,200,000	1,100,000
Derivative assets	38,734	4,874
Derivative liabilities, notional	0	100,000
Derivative liabilities	0	33
Designated as Hedging Instrument | Interest rate swaps contracts
Derivative [Line Items]
Derivative assets, notional	1,200,000	1,200,000
Not Designated as Hedging Instruments
Derivative [Line Items]
Derivative assets, notional	130,444	132,056
Derivative assets	6,146	7,115
Derivative liabilities, notional	130,444	132,056
Derivative liabilities	4,241	5,230
Not Designated as Hedging Instruments | Interest rate swaps contracts
Derivative [Line Items]
Derivative assets, notional	130,444	132,056
Derivative assets	4,238	5,226
Derivative liabilities, notional	130,444	132,056
Derivative liabilities	4,241	5,230
Not Designated as Hedging Instruments | Equity warrants
Derivative [Line Items]
Derivative assets, notional	0	0
Derivative assets	1,908	1,889
Derivative liabilities, notional	0	0
Derivative liabilities	$ 0	$ 0

Derivative Instruments - The Ef

Derivative Instruments - The Effect of Fair Value Hedge Accounting on the Consolidated Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Gain (loss) on fair value hedging relationships:
Derivatives designated as hedging instruments	$ 20	$ (5)	$ 4
Interest Income
Gain (loss) on fair value hedging relationships:
Hedged items	(33,924)	(4,271)	0
Derivatives designated as hedging instruments	32,257	3,451	0
Other income | Interest rate products
Gain (loss) on fair value hedging relationships:
Derivatives designated as hedging instruments	1	0	7
Other income | Equity warrants
Gain (loss) on fair value hedging relationships:
Derivatives designated as hedging instruments	$ 19	$ (5)	$ (3)

Balance Sheet Offsetting (Detai

Balance Sheet Offsetting (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Derivative assets:
Gross Amounts Recognized	$ 42,972	$ 10,100
Gross Amounts Offset in the Consolidated Statements of Financial Condition	0	0
Net Amounts Presented in the Consolidated Statements of Financial Condition	42,972	10,100
Financial Instruments	0	0
Cash Collateral	(25,345)	0
Net Amount	17,627	10,100
Derivative liabilities:
Gross Amounts Recognized	4,241	5,263
Gross Amounts Offset in the Consolidated Statements of Financial Condition	0	0
Net Amounts Presented in the Consolidated Statements of Financial Condition	4,241	5,263
Financial Instruments	0	(4,377)
Cash Collateral	(172)	(886)
Net Amount	4,069	0
Interest rate swaps contracts
Derivative assets:
Gross Amounts Recognized	42,972	10,100
Gross Amounts Offset in the Consolidated Statements of Financial Condition	0	0
Net Amounts Presented in the Consolidated Statements of Financial Condition	42,972	10,100
Financial Instruments	0	0
Cash Collateral	(25,345)	0
Net Amount	17,627	10,100
Derivative liabilities:
Gross Amounts Recognized	4,241	5,263
Gross Amounts Offset in the Consolidated Statements of Financial Condition	0	0
Net Amounts Presented in the Consolidated Statements of Financial Condition	4,241	5,263
Financial Instruments	0	(4,377)
Cash Collateral	(172)	(886)
Net Amount	$ 4,069	$ 0

Leases - Components of Lease Ex

Leases - Components of Lease Expense (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Leases [Abstract]
Operating lease	$ 4,738	$ 4,756	$ 5,012
Short-term lease	490	353	507
Total lease expense	$ 5,228	$ 5,109	$ 5,519

Leases - Narrative (Details)

Leases - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Leases [Abstract]
Rental income	$ 125	$ 175	$ 175

Leases - Supplemental Informati

Leases - Supplemental Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Leases [Abstract]
Operating lease right-of-use assets	$ 60,819		$ 64,009
Operating lease liabilities	69,151		$ 72,541
Operating cash outflow from operating leases	$ 4,959	$ 2,000
Operating lease right-of-use asset, statement of financial position [Extensible List]	Other assets		Other assets
Operating lease liability, statement of financial position [Extensible List]	Accrued expenses and other liabilities		Accrued expenses and other liabilities

Leases - Minimum Contractual Le

Leases - Minimum Contractual Lease Payments and Other Information (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Operating leases
2022	$ 14,779
2023	19,163
2024	17,111
2025	11,400
2026	5,731
Thereafter	9,541
Total	77,725
Short-term leases
2022	320
2023	0
2024	0
2025	0
2026	0
Thereafter	0
Total	320
Total contractual base rents
2022	15,099
2023	19,163
2024	17,111
2025	11,400
2026	5,731
Thereafter	9,541
Total	78,045
Total liability to make lease payments	69,151	$ 72,541
Difference in undiscounted and discounted future lease payments	$ 8,574
Weighted average discount rate	5.51%
Weighted average remaining lease term (years)	4 years 7 months 6 days

Variable Interest Entities - Su

Variable Interest Entities - Summary (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Variable Interest Entity [Line Items]
Investment securities available-for-sale	$ 3,222,095	$ 4,273,864
Accrued expenses and other liabilities	219,329	203,962
Other assets	242,916	260,204
Assets	21,622,296	21,094,429
Liabilities	18,839,278	18,208,118
Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Maximum Loss	194,701	200,769
Assets	160,671	167,097
Liabilities	17,209	17,567
Variable Interest Entity, Not Primary Beneficiary | Multifamily Loan Securitization
Variable Interest Entity [Line Items]
Investment securities available-for-sale	77,939	81,103
Accrued expenses and other liabilities	338	338
Variable Interest Entity, Not Primary Beneficiary | Multifamily Loan Securitization, Asset
Variable Interest Entity [Line Items]
Maximum Loss	77,939	81,103
Variable Interest Entity, Not Primary Beneficiary | Multifamily Loan Securitization, Liability
Variable Interest Entity [Line Items]
Maximum Loss	50,901	50,901
Variable Interest Entity, Not Primary Beneficiary | Affordable Housing Partnership
Variable Interest Entity [Line Items]
Accrued expenses and other liabilities	16,871	17,229
Other assets	82,732	85,994
Variable Interest Entity, Not Primary Beneficiary | Affordable Housing Partnership, Asset
Variable Interest Entity [Line Items]
Maximum Loss	65,861	68,765
Variable Interest Entity, Not Primary Beneficiary | Affordable Housing Partnership, Liability
Variable Interest Entity [Line Items]
Maximum Loss	$ 0	$ 0

Variable Interest Entities - Na

Variable Interest Entities - Narrative (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Variable Interest Entity [Line Items]
Accrued liabilities and other liabilities	$ 219,329	$ 203,962
Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Maximum Loss	$ 194,701	200,769
Variable Interest Entity, Not Primary Beneficiary | Multifamily Loan Securitization, Liability
Variable Interest Entity [Line Items]
Maximum loss, percentage of loans	10.00%
Maximum Loss	$ 50,901	50,901
Variable Interest Entity, Not Primary Beneficiary | Multifamily Loan Securitization
Variable Interest Entity [Line Items]
Accrued liabilities and other liabilities	$ 338	$ 338

Subsequent Events (Details)

Subsequent Events (Details) - $ / shares	Apr. 22, 2022	Mar. 31, 2022	Mar. 31, 2021
Subsequent Event [Line Items]
Cash dividends declared (in dollars per share)		$ 0.33	$ 0.30
Subsequent Event
Subsequent Event [Line Items]
Cash dividends declared (in dollars per share)	$ 0.33